I Exposed His Hidden Affair | Financial Audit

22:10Yeah, when I'm game. And when do you say it? When he asks me, his friends will come up to me. Oh, she'll just let it rip anytime. Don't even believe her. No, I will not. It's whenever your friends come up. Oh, don't sit here trying to act like you're all innocent all of a sudden. You just called us blackies, nigga. What the f***? I'm going to be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans, and collections. Whatever. Your interest rates are different. Your payments are different. Your life is different.

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25:15Same with Robert. Robert's cool, too. You're not Robert? No, I'm just saying he's cool. How did you know the COO? Why do you call black people blackies? It was just a joke. It just rolls off the tongue. I don't know. Hold on, hold on, hold on. Pause, pause, pause. You're okay. Rolls off the tongue? I mean, what would you prefer? Black people? People? Person? That's two syllables. It's like harder to say. How the f*** is people harder to say than blackies? People? You can't say people. It's a longer word. Nigga, you can't say people. People. I can't say people. I'm a person. What am I? You are a person.

25:47You gonna call me a blackie? I mean, she did it for me. Call me a blackie. Call me a blackie. I got permission? Call me a blackie. What's going to happen? I don't know. Find out. All right, good. I'm glad you didn't do it. Why the f*** are you calling people blackies, bro? It's a joke. I don't give a f***. Oh, you guys are saying the N-word at your house. That's not a joke. I don't give a f***. You act like you don't. I don't. I've never said the N-word. I just feel like you do. I've never said the N-word. You always pull Tyler over to say it for you. Yes, because I love jokes. But I call him over to say it for you.

26:17Yeah, when you say it as a white man, it's not really a joke. Oh, my gosh. And I'm not very SJW f***ing woken. We made the word. Why can't we say it? That's wild. That's wild. That's out of pocket? Okay. They were being racist before we started filming. What did they say? I came in and I looked at him and said, you guys are like the whitest people that have ever been in the studio. And then he said, that's better than being black. I mean, can you blame me? And I said, I guess that's kind of true because my life was easier. But then that's not why they said that. Yeah. Isn't it easier to be white?

26:50That's true. Okay. Thank you. There's some DEI stuff that was helping you guys for a few years, but we kind of rolled that back.

26:58Are you on my side or their side? I'm on the judge by talent side. Okay, judge by talent. Okay, appreciate that. Also, carnival's not even bad anymore. They don't play black people music anymore. It's not the music. That's not what I'm seeing online. It's the people. No, it's— Then what? They, like, steal stuff. Like, you see— They literally changed their policy because they were stealing stuff and they were causing problems. What else would you say? Yeah, the group of people. There we go. On Carnival. You say it. Group of people. The group of people. There you go. Thank you. Thank you. Thank you.

27:27Thank you. Good job. Everyone on Carnival. I'll be honest. You guys, okay. You guys are in the deep suburbs of Dallas in the white area. You guys are racist. Just own it and it's, well, it's not fine, but just own it and we'll accept it and move on. I do make fun of everyone though. Yeah. I do too, but I don't call people the N word. You're black. I don't call them. What the fuck is blackie? Why do you say it at your house? That's not calling them that. Not at all. Guys, I love jokes. Saying the Edward around the house is not a joke. You're saying you've never let it rip once. No. Come on. I don't believe you.

28:02I've been friends with Robert since elementary school. He backs me up. He knows I've never said it. Have I dreamed it? Of course. Who doesn't? But I've never said it. No, it doesn't make it okay to actually call the people. You wouldn't call a retard a retard. Exactly. No. Exactly. You don't do that. I'm just saying, like, you can say the word, but you don't call the... Not a mentally challenged person. Yeah, not an actual mentally challenged person. Yes, that's what... Like Brandon, yes. You wouldn't say that to someone. Like, you wouldn't say the N-word... No, no, no. You wouldn't say the N-word to Tyler.

28:35There's people who would. You would call me a blackie. You might as well. Yeah, blackie is crazy. You called me a blackie. And I would call white people white people, like Cracker... Crackers. What the... False, false, false, false. White people. Whitey. What about black people? You didn't say whitey. You said - I would say whitey. I would say whatever the fuck. I'm calling white people. What the fuck are you calling me a blackie for? Whitey, I don't care. Cracker, I don't care. I'm on your ass. What'd I do? Shut the fuck up. What? You need help. You need help. Don't say no fucking blackies before you get your ass beat.

29:06Somebody go beat your ass. I'm so serious. She's the most like 1920s conservative woman ever born. I don't give a fuck. Go to the diner then. She can't be fixed. She can't be fixed. She's gone. She cooked. Don't leave Dallas. She's going to make racist little kids. I mean, they're a cute couple, but they're just… Generational. I want to put my hands on this dude. What did he say? He said generational. I mean… Guys, if you're racist, just embrace it. I make fun of everyone. You make fun of everyone. Do you guys like black people as a collection? Sure. Some of them. I'm being honest. Dude, the stereotypes are there for a reason.

29:44Just like how white people have stereotypes. Yes, continue. I'm not going to go list them, but I'm not going to go name any, but you know. I think you should name any. I think he knows too. No, name some. No, no, name some. We just want to see how informed you are. I'm pretty informed. No, I'm not going to do that online. Smaller shovel, smaller hole. So do you like black people? Yes. How did you? That wasn't a great answer. I don't like the way she said that. Come on, you wouldn't. if your school that you were sending your kids to were even 30 % black, you would not be sending them there. Oh, hell no.

30:21Your kid's good. I want a homeschool, so then they're not in public school. Why? Why? Because of how the world is going. How's the world going? Have you heard of the litter boxes in schools? That's the second time this week. Is this a news story going around? It's been a thing. It's been a thing. It was all made up. That's the admission from Joe Rogan. Years ago, yeah. No, no, don't get me wrong. Yes, there was some... This episode is brought to you by Palmolive. Family time isn't just the big moments. It's weeknight dinners. Sitting around the table, everyone talking all at once. So when the plates are empty and the sink is full, use Palmolive Ultra.

31:02Palmolive's most powerful formula removes up to 99.9 % of grease, leaving your dishes sparkling clean. And the new convenient pump makes cleaning even easier, so you can spend less time tackling dishes and more time together. Shop now at palmolive.com. Weird performative politics, but isn't that kind of done, especially in Texas? Okay, what else? What else is going on? What else is going on? Or how the teacher sometimes will molest the kids. That happens in church, too. Are you sending them to church? No. You're going to go to church. You're not religious? No. I just have the values. What's your values?

31:39clearly they don't like black I never said that he hesitates to say it it's okay but when we say it because I don't call people that you said black people he was hesitant you're good don't worry about it you need the validation you had to give him the validation I'm not talking to you can I get some validation I hate you more than I hate her that man is poison She's all right. She's okay. She said my name. That's how we schooled. What's your values? What's my values? Just more conservative. Well, conservative doesn't necessarily mean eating black people or anti-school. There's normal conservatives, normal liberals.

32:24No, I just don't want anything to be shoved down my kid's throat. What are your values? You just say you're conservative. I need to hear the values. I mean, all of the kids, like, I do want the border. Not because I'm racist, but because there's a lot of human trafficking that comes through the border and drug trafficking. I think everyone wants a strong border these days. Also, every country has a strong border. Everyone likes a strong border these days. Most of us don't have to say not because I'm racist. Well, because you were insinuating that I'm racist when I don't give a f*** about anyone.

32:54When she said blackies. Blackies was crazy. What other values? Don't shake your head. Like, that's not crazy. You guys say anything like saying f*** is technically crazy. Exactly. Not today. No, to a good amount of people. Blackie, your example, you already showed your example. I just don't think you understand. I understand. I hear you. You called me a blackie. You didn't say black person or black people. You said, yeah, just like I would. You've never said cracker or whitey. No, I don't call people cracker. I say nigger. Also, cracker is not the one. No one gives a shit about cracker. I know, but it's like the same thing.

33:26It doesn't have the same impact. I don't give a fuck, but it's the same thing. I'm the furthest from woke you can get, but we know it doesn't have the same impact. I get that because of all that. But it's the same thing. What are your values? My values? I don't know. I don't think you have any. I really don't. Who do you watch? Who do I watch? What do you mean? What content? You guys are picking up things. Watch you. Okay, but I don't go around doing that. This isn't a racist show. No, you make fun of everyone. Yes, but I don't call them blackies. I don't understand why it's so bad. If you make fun of everyone Same Is bad It's like the same thing It's like Family Guy No but the only people that are offended by Today are like the crybaby freaks So we don't really care about them You ever seen Family Guy?

34:15Yes It's like that They make fun of everyone And it's funny It's allowed They're gonna stick That's gonna be their talking point To get them out of what they did I mean come on I feel like you guys are just a little nervous Of embracing it now Now that you've realized That you're on camera I knew I was on camera There it is There it is He just said I'm on a live show. It's not live, but... That's why you won't say it right now. No, because I don't... Am I... We make jokes off camera all the time. Have I ever called anyone actual racial slurs? I've never called anyone that. You guys are throwing ends in the house.

34:44I mean, come on. Just that alone. Yeah, I'm only his translator, bro. I can't do that. Sorry. Yeah, that's crazy. Can't do one? We don't say ends. We don't say ends. Well. As someone who's a big joke guy, I go to the Comedy Mothership. Lots of white comedians there. I've never heard them say the N. And they're like the edgy comedians. Yeah, but you don't call someone that word is what I'm saying. Trust me. Otherwise, it's just a word. Tyler was the only black guy in the audience. They wouldn't be calling anyone that. I'm just saying. Okay, thank you, Tyler. If you take away the meaning. You say this on the day his mother visits the office.

35:20Your mom's here. Yeah, and you won't see her. You're going to f***ing lynch her. Whoa. It's crazy. I'm protecting her. I'm protecting her. He's the bad man. I'm the bad man she said it

35:36what how am I at fault here that's a nude egg I won from my game I'm not in trouble at all okay thank you Tyler we love Tyler am I wrong Lindo real Lindo I am Lindo on Twitch okay you guys are racist just embrace it it's okay come on like you're not Come on like you're not. Come on. Be real. I don't think I am, actually. What? Actually, I know she is. Yes, thank you. I don't think I am. We both are. Because I make fun of everybody. She's trying to cope with jokes. She's trying to cope with jokes. You guys are racist. You guys live in the deep white suburbia of Dallas. You guys are racist. It's not that white, though.

36:19I mean, it's fine. I'm allowing it. You ever been to Dallas? I don't embrace it. Yeah, a few times, but... It's not a lot of white people anymore. Yeah, not in Dallas. Frisco. I'm sure in Greenville. In Greenville? Well, I don't know. Okay. I mean, I don't know how to get you guys to honestly being able to afford this thing. I really don't. This doesn't make sense. It doesn't make sense. Don't do this honeymoon. We need to. Please, you don't need to. We do. I don't want to talk in circles around this. I'm all for going on a honeymoon, but 20K is ridiculous. That's ridiculous. Same with the wedding.

36:52You can do. I don't want to pay for that shit. with your guys's income I don't know if you'll be able to trad wife but you can have a lot of really nice vacations in the rest of your life you can avoid all the minorities you want you can go to the whitest places Northern Europe it's just absolute peace and quiet

37:10no interesting counterpoint I don't know what to do then I don't know what to do then guys because if you're not willing to back off that I can't get you to trad wife-dom stay at home on this income and 20 ,000 notification. Yeah, because he needs to make more. That's what I try and say. He needs to be the man. Yeah, but we established even plumbing. It'll take like five years for him to get to that full income. So we don't get to do the 20K now. Can we do a 20K trip in the future? Do a smaller honeymoon now? Because listen, the thing... Then we will have kids and I don't want to take kids on a trip like that.

37:46No, get your grandparents to watch them. I don't know if they would do that. They wouldn't? Your parents don't love you guys? they won't love your grandparents? Are you guys not close to them? I think they would watch them. You would. Won't they? Maybe for, I don't know, a week. And then they get racist later. It happens every time. I'm almost asexual. Like, if anything. Well, I'm just saying, you're saying that, but I'm like, I'm closer to that. I'm sorry, buddy. Then. I mean, we still, still do it. Rarely? No, I'm just saying, you're saying. Like, maybe once, twice a week. Yeah. Oh, okay. No, but I'm just saying, you're saying I'm getting railed.

38:19Okay, I was f***ing with you. Calm down, bitch. My goodness. Freak. Because I'm anti - Okay. Anti-everything like that. Anti-what? Okay. Rip. To you. Do you watch porn? No. At all? No. Ever? No. At least a human trafficking. Before. Maybe, but. I don't think every. A lot of it. They're getting human trafficked. Yeah, there's probably some bad stuff, but I don't think every. Maybe not every single, but it's really bad. Ones that just a creator themselves makes. I don't know. I'm not saying you should pay for it either. I mean, it can be damaging and unhealthy for many people, many men especially.

39:00But like there's also okay consumption if you can manage it just like anything, just like you at the casino. So you recommend paying for... No, I just said probably not paying, but... Well, you said like, because you said for people who created themselves. My phone? Uh-huh. Why? Give me your phone. Why? Let me see it. Why? Because I'm going to snoop. You can see her phone. No, I want to see your phone. Guy that doesn't watch his… I don't. Okay, give me your phone. No, you can see hers.

39:29Where are you hiding? Yeah, why wouldn't you let me look at your phone? Why the f*** are you not giving him… I just don't want that. I don't want that right now. Don't want that right now? What the f*** is wrong with you? I don't want it right now. Why are you not giving him your phone? No, not right now. Maybe… What f*** is wrong with you? Yeah, that's… Dude, that's sketch. Maybe later. No, give me your phone. No, not right now. Why? Because… Give me a good reason. A good reason? Yes. I mean, I guess there's no good reason. Because you watch. No. Come on. I don't. I'm not going to look for anything else.

39:59Only. Only. Yeah. And if you don't watch, then you don't have to be worried. I mean.

40:08Sure. Good. Enough pressure. Enough caving. Yep. Now, Android not as familiar. Good. And just if he watches, doesn't mean he's a bad guy. Just going to let you know, okay? Oh, he would be. That's like almost cheating. She's like not a big fan at all. Okay, why don't you go ahead and log in since there is an email address associated with only... It's your Hotmail email. Which email? Never mind. The password auto-filled. It didn't do like a face ID. What email? Leave this. Stupididiotmoron at hotmail.com. That is my email. Yes, that's why it auto-filled. So, it's auto-filled. That's actually crazy.

40:54Why'd that happen? Are you sure that tab's not old? It's not old. I went to the website. But it auto-filled. What do you mean, auto-filled? Your login information. Are you logged into an account? I don't even have an account. I really don't. And if there is one, I don't know the password. Uh-huh. That's wild. Sure. I'm being for real. He's being for real. Are you in an account? I'm clicking around and learning things. We're just, you know, looking. So far, the Reddit is clean. I'll give you the clean bill of health on Reddit. Not on the f***s, though. Okay, besides the f***ing thing, the rest was relatively clean.

41:37I'll look at a search history in the post show just to be extra safe. Thoughts on the f***ing situation? I really didn't. If you actually have an account, that's going to be a problem. Well, yeah. It's probably old. If it's old, that's okay. But not before you guys were together. I don't think it's going to autofill three years later. I mean, that would be pretty... It might. Like cookies and cash? Come on, I don't know. That's a brutal one. It's got to be old. That's crazy. So honestly, to read the situation with what you're doing, I know you guys are getting married. You've been together for a while.

42:12You seem more interested in turning him into the man you want instead of actually finding the man you want. Seems like you're trying to construct him into someone. Why not? I don't know. You'd probably be a weird incel loser without her. So maybe that's why you're afraid of leaving. I don't think I'd be an incel. Loser? I feel like you would. Huh? Possibly. I think maybe. No way. You were a loser when you were living with your brother. I mean, being a pothead, playing video games all day, the brother pushing for unemployment. I was never going to do that. I'm just saying. That's not, you didn't have a job.

42:46But me playing video games, chilling. I mean, I'm being told his family thinks he's completely changed and that you blame him or they blame you for changing him and ruining him and that you've made him give up almost everything he likes to become the man you want. Like that's kind of weird, man. He needs to be successful in life. Sure, but he's allowed to also enjoy some video games and friends and stuff like that. Well, he doesn't have friends here. They're in Colorado. Yeah, they are. Okay, so maybe he wants to game with them. Exactly. Is that what it is? He does? I don't get a lot of that anymore.

43:20Like one or two days a week. Aw, that's it? Why do you control him so much? And what is he allowed to do in those one or two days a week? He games all night. Not all night. And you've banned his brother and sister-in-law from the wedding as well. What? Sister-in-law? No. Yeah. No, I love the sister. Oh, sorry. Brother and sister. Okay, but brother? I do have brother. Oh, I mean. And his wife? Not his sister, like the brother's wife. Yes. How do you feel about this? She's like owned you. She's changed your life. She's banning family. It's gotten a lot better. How's it getting better? She's banned your brother.

43:55I mean. He tried to sue him. Yeah, he did. He tried to sue him. I'm not too big of a fan of him anymore. Okay. Well, maybe that one's the best then. About the other stuff, I do wish I had a little more freedom. For sure. I don't think freedom is good. Not when you're smoking a bunch of weed and baking. Sure, but allow him to have some fun. And also like hitting a joint here and there. Like I don't do it if it makes me anxious, but I'm not like horribly opposed. Is he baking all day? Then yeah, that would be bad. I just think weed is horrible. That's why I drink that. I mean, it smells gross, but...

44:25Yeah, so you're okay with him drinking? Yeah. What? Okay, make that make sense then. I used to never drink. Come on. Then I quit weed and now I drink. Make that make sense. There's studies that are coming out that like smoking weed is so bad for your brain. Yes, but also there is not one actual real scientific study that says any amount of alcohol is good for you. I know, but I'm just saying. Like it's all, it's just there's one drop is bad. If you have an addictive personality, it's not good. So you put them on alcohol? One of the most addictive substances on the planet? Well, obviously I want him to drink less.

44:54Yeah, she thinks I drink a lot. Oh, she does. Great. Oh, wonderful. How much is being drank? I don't know. I'll have, if I'm gaming, which is usually like Tuesdays and Fridays, I'll have like seven, eight beers. What the f***? That's crazy. Crazy. So you actually might be right then. Yeah, that's a lot. On two days of the week? Pretty soon we're going to be calm in this country. That's an insane amount for a single sitting. What's normal? For a single sitting? A couple of beers? So you go out to the bar and you have what? Two beers? I don't drink, but a couple of beers would be normal. Yeah, if you're getting shit-faced, that's insane.

45:24I'm not getting shit-faced. Because it's tolerance. Eight beers. It's over the course of a little bit. Eight beers is insane. But it's also his tolerance is so high. It's not getting shit-faced. Because he drinks so much. Yeah. Well, if I could smoke a little weed, I wouldn't drink as much I just think Maybe he is a loser Why can't try to Construct the dream man What is he providing That you seem To really want To construct him into Versus you going And like I think I don't know I mean show me your Instagram I don't really have Followers on there It's not about that I don't care Okay Cause you got tits But I can't tell If you're fat or not Okay you're not fat you're not fat you could probably go get yeah there's a bathing suit picture she's attractive you could probably go get most men like she's brought it up before the ugly I have not brought that up yes you have yes you have oh that I could get someone better my girlfriend's friends in town she's been on Bumble for a week here she got 4 ,000 likes like you guys have the ultimate W in the dating pool now everything's been engineered for women yeah but I've heard that dating is so bad now it is but you could seriously with the selection you have find the dream man you really could But why put up with, you are a loser, a loser.

46:38Why try to construct them into something? I don't think I'm a loser. Like you're genuinely a pretty attractive person. I, you know, I, it doesn't matter if it's not my type. That's whatever. But I can tell you would do well. Okay. I could tell you would do well. You got tits and you're not fat. And honestly, men want based women today. It just kind of is where it is. So why? I'm confused why you want to do this. Because I love him. Why? Well, why? What are you seeing? His personality. What about it? The personality, everything you've complained about. He's lazy. He has no ambition. He drinks. He smokes.

47:14He's a loser. What's the personality like? I don't know. He's goopy. It's actually a good question. No, you know what it is? I'm being told you wanted marriage at 18. You're just rushing in like the first dude to pick you up because you have this dream of this ultimate trad lifedom. That's what you want. and you've rushed into a dude that honestly might be a loser. I do feel like you kind of robbed me of my early years. Okay, that's going to hold resentment over your long life. What the f***? That's insane. I mean, I do feel like we're going fast. That's why I worry. I mean, we're going to get married next year and I mean...

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49:47Why? Why are you f***ing trying to change someone instead of finding someone that is better for you? I know you've been with him a while, so you probably have some, like, sunk cost. But what do you love about his personality? Hold on. Huh? Hold on. Huh? Oh, cry? I can comfort you or yell at you once I know what you're crying about. It's just very real, what you're talking about. Well, yeah, it's your life, dude. he is a loser. I'm not trying to get people to break up, but maybe you guys aren't the match. And honestly, I, it's not that I, I'm not advocating for you guys to break up. Cause I don't know you enough for that yet.

50:23But with everything you're saying you want and everything you're saying he is, you guys are 23 and 21. If there's a time to figure out that maybe you guys aren't to get ready. If you guys aren't the match for life, that age is kind of the best age you do. At least you're not doing it. Mid fifties. Yeah. Why don't you rather figure that out now? Especially before a$30 ,000 marriage? I don't know. I feel like we're both scared to leave each other. And why? I don't know. Okay. If you're going to drop that, you have to give me some insight. Failure. Failure. Being alone. Being alone. Failure. Okay.

50:58Neither are you going to be alone. You're both attractive. And you're both successful, relatively. You're both going to be fine. You're both going to do well in the dating market. You won't be single. Trading at Schwab is now powered by Ameritrade. Unlocking the power of thinkorswim. the award-winning trading platforms loaded with features that let you dive deeper into the market. Visualize your trades in a new light on Thinkorswim Desktop with robust charting and analysis tools, all while you uncover new opportunities with up-to-the-minute market news and insights. Thinkorswim is available on desktop, web, and mobile to meet you where you are.

51:33It's built by the trading obsessed to help you trade brilliantly. Learn more at schwab.com slash trading. Go for one. Okay, easier for you because you're a woman, which is how it is right now. but you'll be fine too so that's our is that what's preventing someone from making a move I mean I never think about it but you are now when things get real I mean it is real this is the rest of your life I've thought about it why tell me I mean it's just it's scary I don't know if I could give her what she wants I don't know if I could be the man she wants do I want that really Do I want to be married early?

52:14I don't think he wants it. And that's okay. He doesn't have to. But you guys shouldn't force each other into the lives that each other demand. Yeah. Like that's not healthy. That's not healthy. Yeah. I'm sure you guys enjoy some things together. I'm sure you have some things you do mesh on. I'm sure you enjoy the travel together. I'm sure your guys' families are okay together. But if you're trying to reconstruct each other to fit a perfect mold, it might not be the right match. And that's okay. You don't have to be. Maybe you guys are great friends. I think that's why we travel so much. Because it's paradise.

52:57It's hard to be mad at each other. It's hard to… How often are you guys mad at each other? Not really often, but… We also don't talk about anything real. So it's like when can you… To avoid that conflict? I mean, maybe. I don't know. because I feel like he's just getting resentful and it's like I've always known what I want and I've always told him what I wanted. But he's not that. So why would you make that him? And why would you stick around for that? I'm sorry. Why would you just allow resent to build and then waste their time? I mean, I feel like it'll be a more fulfilling life than what I would do.

53:29Sure, but you don't do anything and also you're resentful because you just want to game with the boys and down A beers. I'm not resentful. Dude, you're game with the boys and down A beers. You are resentful. You don't want to do this other job. Like, I've taken away your young years, which I don't even think. It's just a thought. It's just a thought. Yeah, but if you're thinking it, you're just not saying it. I mean, you have never thought of anything? No, because I want to get married. I want to settle down. I know, but you've never thought about it might be better? I mean, sometimes, because I'm like, maybe I wouldn't have to push so bad for someone to excel.

54:00Yeah, she shouldn't have to be. Like, a little push here that is okay, but if she's having to relentlessly push you to try to have any kind of ambition, that's someone who's never going to have ambition. That's what my mom says.

54:16That's... How does that make you feel? And your mom's right on that, by the way. And that's okay. Also, you don't have to have ambition. That's your life. If you don't have a bad job, if you want to settle at that job, that's okay. There's nothing wrong with that. But again, maybe it just means you guys are not a match. And that is okay. I mean, it's nothing I don't know. like her mom. I know she feels that way. I think she likes me to some degree, but... Does she? I mean... She likes how much he's grown, yes, and she sees the potential. But all through your push? Probably, yeah, because I've pushed for everything.

54:53Okay, yeah, I guess her mom has a lot of opinions, so we might call in the post show and see what she actually thinks about Mr. Scott over here. Guys, like, I don't know. I guess I'll do the financial audit for the house, but I think we're learning something big here. I'm not advocating for the breakup. I just think as fast as we're going. Come on, you guys have been together for three years. That's not necessarily fast. Oh, but then right after having kids and you don't have the income for it. What? No, you guys have the income for it. No, but she wants to be a trad wife, which is cool. Okay, you guys might not have a perfect income for that.

55:26I know. I would want to work from home until you build up to that because I know with plumbing. Well, there you go. Are you working from home now? Hybrid. Okay. Would they let you? Possibly, yeah. Okay. Okay. Because, yes, you objectively make enough to have, like, a 10-kid household happily. 10? 10-kid's wild. No, it's wild. I'm not saying that. I'm saying your financial situation. Yo, people are doing 10-kins on the farmstead. Homesteads. Making nothing. They were starving. Times are different now. Yes. Are you saying right now? Your time is you make$120 ,000 a year. They're going to live a good life.

56:08That'll be cut in half. How many kids do you want? Just two. No, she said she's working remote until you build up. Well, right. And do three so that you're actually adding to society. Three? Yes, please. Because of the baby decline. People aren't f***ing enough. Yeah. We need kids. Or else we've got a lot of more brown people, which is really going to upset you. I bet he has opinions on H-1Bs, especially in Dallas. Am I a guy? Oh, yeah. I wish I could get him to talk. I'm so curious. Uh-oh. She said the magic word. What'd you say? See? She said Frisco. Oh, yeah. Frisco, Texas. Well, H1Bs. That's Frisco.

56:43Oh, yeah. I don't go there that often. I don't like that place. I love Frisco. Isn't Frisco super nice? Frisco's really nice. It's super nice. It's overrun. I love Frisco. It's where the soccer stadium is. That's where the Cowboys HQ is. I would live in Frisco. Have you been there recently? No. But also, listen. Okay. Hey, what about it? Come on. What about it? Look up Frisco Test. They're not dangerous. They're not dangerous. So why not go there? Get yourself some tikka masala. Oh, I love that. I don't really like the food. Yes. Okay. She has. Okay. She's gaining. She's winning me back. Well, I got him to try Thai food yesterday.

57:21You've never had Thai food at 23? Well, he won't eat the curry usually. Thai food's incredible. It's pretty good. What? Thai food's so good. It's so good. I figured that out. Figured that out. Buddy, okay. You're actually racist. You won't eat Indian food. She may have been joking. I don't eat a certain food. She may have been joking. Dude, you won't go to Frisco. I get it. We can have complaints about maybe September. I don't like going to Frisco. Like some cultural things. We can have complaints about H-1B visa process. We can have complaints about border processes. We can get that. But objectively - I'm sure you avoid certain areas in Austin.

57:50But not places like Frisco. Frisco is objectively a nice place, a safe place. It's nice, sure. And it's safe, yes. So why avoid? That makes no sense. I don't avoid it. I'll go there. I'm not a fan of it. No, he said avoid. He said avoid. No, I didn't. Yes, he did. Did he say it? I heard it. I think he did. Did he say it? Yes, everyone's saying yes. You said avoid it. My bad. I will go there. I'm just not a big fan. He's like OCD about being clean. Why aren't you a big fan? OCD, probably, like about being clean. There's a whole lot of people, a lot of population. It's such a clean area. It's a clean area.

58:19It is a clean area. It's walkable clean. Some walkable. Clean. I'm sad about like Texas not being walkable though. Hold on. She's winning me back here. The architecture is ass. Girl, marry me and my girlfriend. Join us. We will provide you babies and everything you want. And we're rich and not losers. He sucks. We live in a walkable area. Okay. We got your life. And yes, you know what? I invite some black people over to my house. You'll just have to hide for that. And then it'll be okay. Okay, I do want to head into the money part. Honestly, I really don't know if you guys should actually be together.

58:57I'm being candid in that. Like, okay, we're joking a lot. I'm sure you guys actually really like each other and love each other and have good things and get along and enjoy the travels. And, you know, life won't be horrible. But if there's resentment building, and if you're having to reconsider, you do not have the same life paths in what you want in life. Just be very clear on that. And that's fine. and you might have gone along with it, but I think you guys might be good friends. It might be an okay match. I don't think you guys are maybe the right match because if you guys are not together in what you want for life and you have to endlessly push each other to be someone that you're not, that's not a forever life match.

59:38And that's okay. That is not a bad thing. That's fine. And that doesn't mean you guys don't love each other. It doesn't. But it might mean there's just a better match out there and now is the time to figure that out. okay it's not a bad thing that's not a bad thing doesn't mean you guys hate each other okay I just need to be very clear on that I want you to run to the extreme side and think I'm saying you guys are just horrible for each other but you guys might not be life partners and that's okay just read it as I see it probably have to talk on the way home for sure long three hours it's like five hours yeah we should we should we should

1:00:20Mark can we go get a GoPro

1:00:51Yeah, yeah, yeah. financial score is 0 to 10, 0 being the worst, 10 being the best? Two. Together is hard. Together. Now we're not married, but we're going off together. Like one. Okay. Ladies and gentlemen, if you want your hammer financial score, get it for free. Get it for free. It just takes a few minutes at calebhammer.com. You can see where you stand in the world of money, where you're doing great, where you're doing poorly. And if you don't want to be like guests, you'll end up on the show because this is a lot of debt, let me tell you. Download the DollarWise budgeting app. Start a free trial.

1:01:18See if it works for you. Most people sign up for the annual version after the trial because it saves almost 50%. And you get my 30-day budget meal plan signed by me, mailed directly to you, along with the digital version of the cookbook. So there you guys go. No more meal prepping. If you're going to stay at home, stay at home and cook. I do. Every night. Really? Yeah, I do every night. Besides like random things. Besides the goalposts that's being pushed. No, you're right. I mean, you guys spent a lot of money on bullshit, but I wasn't going out to eat. Yeah. It's just other things. Now, another concerning thing here on just like that previous topic, and we are going to move forward, but this is on the income side.

1:01:51Like, dude wants to be a streamer. And you flipped out on the phone when you were learning that. On the phone, you were flipping out. Because I just think that's not going to happen. Exactly. I don't think you guys are aligned. Because you're not aligned on life. Like, so many people try to stream and they make no money and you have to do it for so many hours. Do it as a hobby until you blow up. Clip it. Post it on TikTok. But she wants you to go out there and make more money to provide for the house so she can be a stay-at-home wife mom trad. And that would be a good avenue. Make a lot of money.

1:02:21No, it's not. As a hobby after work. Barely anybody blows up. And then you're spending so much of your time. It's like insane. I'm also concerned what the f*** you're afraid of me finding on your phone still. What hits your account currently? I didn't get that number. On a monthly basis. Monthly, 36. No, you make less than her, but you bring in more. It's like 1 ,800. Well, it's because I have a lot going into my 401k and then also health benefits. Should you? And the 401k, if you have this much debt? Or is this all him? Is that an other thing? He's not only a horrible match for you. It's definitely not on mine.

1:02:58But he's bringing in all the debt. Then why are you contributing so much to your 401k? You should only be contributing to the match. Half of that is from trips. Why are we doing that? What other trips did you do this year? We got the two cruises. She's going to Italy. She is going to Italy. She said you went to eight so far. Well, the rest are just like weekend trips. Like mostly to see family. Still, that's money, lady. That's fucking money. Yeah. You can't afford that. Yeah. Who's the Sapphire preferred? Me. What the f*** is wrong with you? You want to be a stay-at-home wife, but it has a balance of$5 ,364?

1:03:29That's Italy. No, that's just Italy. Does that mean it's good? No. Then why the f*** are you trying to say, oh, but that's just Italy. Like, what the f*** are we doing? How do you, why do you think you are allowed to spend$5 ,000 to go to Italy? In what world do you think you are entitled to do that? It's our last, like, me and my mom are going for our last big trip. She can pay for it. She can pay for it then. Because if you want to be a trad wife, you don't get to have both. If you're trying to survive off of a piece. Yeah, but I have to work for a while before he could even do that. But you're pushing that while even further because you're spending so much money on things that don't matter.

1:04:06Matters to me. She thinks it's the last because of the kids. Well, okay, but which one first? Because, hey, listen, if you're financially closer to travel the world, I'll structure this around this. But so far, it makes it sound like the trad wife-dom is more important. So I'm structuring this conversation around that. It's more important, but he is not there yet. So what's the point of even trying to do that? Because you're making it further and further and more and more he has to make to get you there. I'm going to pay off my debt before I even quit working. But it could be going towards an emergency fund that is fully maxed out and paying off his debt as well, which gets you there quicker.

1:04:39Italy doesn't sound like more important. If it is, we can focus your conversation on more travel. But it sounds like Tradwife is more important. So that's why I'm structuring the conversation around. Am I right or wrong? Both are important. Which one's more? Choose, choose. Sounds like tricks. If you're a fucking gun to your head, choose. And I'll go get one. I have a 3 ,000 shotgun ready to blow someone's head off if they're breaking in. Because of him. If he was making strides to make more. No, no, no. Yes. No, no, no, no, no. Choose one. Trad wife. Choose one. Okay. There you go. So that's where the conversation is going to go.

1:05:13Massive minimum payment comes with the card,$1 ,267.58. Yes. That's the minimum? Yes. So I don't get interest off it. Fees accruing. Well, you are getting interest. Interest. No, no, no. Well, there is interest accruing on the credit card. Yes, there is. $28 a month. Oh, because of the balances that accrue interest. payment plan for the huge balance. Which is why the minimum payments are so high, but you're still accruing interest. And fees. The fees are from the payment fees most likely. Yes, the plan fee, plan fee, plan fee, plan fee. Norwegian Cruise, American Airlines, probably American Airlines, Chase Travel, Norwegian Cruise again.

1:05:52So you've paid for fees,$318 this year so far, just to get these extra bullshit. But I think it's less than the interest, right? Yeah, but it's still fees. It's still bullshit money that you can't afford. You can't have taken away from you right now in this financial position. You really can't. And what are you doing? Of course, apartments.com. You're paying for that? Oh, apartment. That's our rent. That's our rent. For fucking$31? No. Oh, that was our application fee. Oh, you had to. Oh, DoorDash. DoorDash and Culver's. You have good taste. Again, join me and my girlfriend. Leave that man. We'll have Culver's every day.

1:06:26My girlfriend will give you babies. This guy. No, the DoorDash is bullshit. I only do it like two times a month. I agree. Why are you? Wait, wait, wait. Didn't you just say you cook every day? No, no, that's lunch to the office. Every day. Fuck you. Pack lunch. I know. Come on. Your trad wife, pack lunch. That's like your job. I would. You would. They do. You don't. You aren't. You saw that I don't eat out often, so it's like. Well, Culver's Jersey Mike. Oh, Jersey Mike's was together. You were. Huh? Jersey Mike's was together. Great, but you still are. You still are adding to a balance that is accruing interest.

1:06:57That is preventing you from your f***ingness and even traveling. There is the, well, DoorDashing Gold and Golden something Chick. Oh, Golden Chick. Yep. And then American Airlines. Have you had Golden Chick? Yes, it's fine. The biscuits are incredible. Oh, it's so good. Did you get the spicy? The spicy's good. All right. She likes Thai food. She's spicy. I get her. She's not that white.

1:07:17Fees like crazy, man. $174 in just a month with your payment plans. Like, this is insane. So, no, spending money on that shit doesn't make sense in this situation if you're trying to get to that goal. Listen, if this is the life you want to live, that's fine. Would you rather do a payment plan or the interest? I'm actually curious. Neither of these purchases. No, no, no. But if I were to make the purchases, do you think the payment plan is smarter? But it still doesn't. That's an impossible question. It's an incorrect question because the correct answer is neither because it doesn't align with your goals.

1:07:45Okay. So stop. Stop.

1:07:52You're being spoiled. Think you deserve everything in this world. You don't. That was just one card? Yeah, that was one card. Wow. Who's blue cash every day? Me. You're f***ed. Dude, you are so f***ed. It has interest for you currently, but it won't be forever. Oh, that one, it's because he owed me money on that one. What? And my wedding dress was on there, but he owed me. What are you talking about? Yeah, I owed her like$1 ,500. Like$1 ,700 he owed me. So then that was all put on that card plus my wedding dress. Dude, you put whatever, you put less on it than you spent towards it. It takes 11 years to pay off minimum monthly payments only without any purchases.

1:08:30Your kids will still be zero years old because you're never going to get to your goals. Probably. Yeah. Rip. 11 years is not that bad, though. It is if we're trying to get to your goal. But I don't do minimum payments. You can see that, right? You're right. You actually purchase more on it than you put towards it. So it doesn't even matter. Let's see, you're actually doing even worse than just a minimum monthly payment without purchases. So what the f*** are you trying to tell me? Huh? My wedding dress is on there. I don't give a s***. Why do I care about your dress? I don't give a fuck about your dress.

1:08:57Fuck your dress. I don't care. It's pretty. No. It's pretty. No. Yes. Well, you're going to have to return it because you guys shouldn't be together. Blue cash. And I actually mean that genuinely, by the way. Not because I hate you guys, but because I think we've all known couples that are trying to make the other person be who they are not. And it does not end up well. Even if you guys love each other. It does not end up well. Good luck. $53.69. It's your minimum payment. Of course. Spending more on it than we're purchasing. It's at$2 ,684.52. What are we getting? Getting some bullshit. Verizon Wireless, like$2.

1:09:39Was that like a fee? What are we doing? Getting gas? Shit. $2. I had a gift card and that was just the remaining. Okay. Netflix. Bullshit. Potentially. Maybe groceries. I don't know. Where do you get groceries? It's different every time. Where do you get groceries mostly? Walmart, Thrive Market, Trader Joe's sometimes. Disney Plus. There's a bunch of places. Maybe bullshit, maybe groceries. I don't know. That's hard to tell. If it's Walmart, it's probably groceries. But you're still putting it on a card that will be interest accruing. That one's not interest yet. Will be interest accruing. But it's not yet.

1:10:11That's what I was saying, and you're not paying it off because you're purchasing on it. Okay. Oh, you have a balance without travel insurance? Wait, what is this? What is this balance on this cruise thing? You still have to pay this? Where is this? We canceled the cruise. Are those the flights? No, no, no. We canceled the cruise because of the plumbing thing, but then we just spent the$17 at Choctaw instead. Yeah. What? At what? Choctaw. That's where we're at. What is that? The casino. I hate you guys. So the money's already gone. You don't owe it. It's on a credit card. It's on my freedom. I'm going to kill me now.

1:10:46I'm going to kill me now. Is that a different card in here? Yeah. Is that a f***ing me now? What are you doing? You spent$1 ,700 at a casino plus the money you actually spent at the casino. We saw a movie. We swam in. Wow, that's crazy. We played bingo. It did count the stuff that we spent, the money that we spent gambling. Dude. So it's no more than that. The lifestyle you guys are trying to live in your early 20s because you've been blessed with an incredible income is going to destroy your life. That's why we're here. You guys are f***ing up everything. We're trying to learn. You guys are f***ing up everything.

1:11:16Trying to learn. This isn't trying to learn. You're doing this now. You're doing this now. And you lost$825 on the flights because they were non-refundable. Well, now I've been booking non-refundable. Huh? Oh, now after you lost$825? Yeah, good learning lesson. Yep. You see how you're never going to end up to your goals? You're just losing money left and right with insane stupid behavior. Insane stupid behavior. At least I get to see the world before I'm a parent.

1:11:48Huh? Who? Before I'm a parent, before I'm a mom, I can see the world.

1:11:56That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to$200 in bonus cash right now. When you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Stop bleeding out money making minimum payments across multiple high interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of lining some bank's pockets.

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1:13:14If you refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to CalebHammer.com. And remember, you still got to do the work. My parents are seeing the world. Yeah, but then they're probably old when they're traveling, right? Like 50. I don't know. I want to travel when I'm young and then have kids and settle down.

1:13:47When do you want to have kids? When we can. I mean, when? Put a timeline on this. If you're saying you have to travel the world before then. Like two years. Okay. I don't think you can travel the whole world in two years. No, but I can get my travel itch out and then settle down. No, you'll never get it out, dude. You'll never get it out. I can do a cruise once a year. That's affordable. Yeah. I mean, that's fine. But that's not like, that's not, I wouldn't hardly consider just, it's not like traveling that much. So you're going on a cruise. I guess. But then you can pick the one that you go to a bunch of locations.

1:14:17I guess once a year it wouldn't be the worst thing if we could do that. But that's not what you do. That's not what you do. I don't have kids yet. You've gone on two cruises this year so far. I know, but you're trying to in two years. You're not going to be able to if you're doing this lifestyle you're doing now. That's why I wanted to, you know, delay some things. Do you guys talk about money? No. Sometimes. Not really. Two very different answers. What do you mean sometimes? we'll have a conversation every once in a while say we're spending too much or I think we're buying some dumb ass shit like those clean paper towels we just bought yeah I got bamboo toilet paper cause did you see the plastic detox on Netflix so now I'm trying to go clean like this is 100 % caught in I'm trying to like avoid all the because it helps with fertility because people are having really big problems with fertility yeah they're usually fat no not necessarily the six couples in there, three were able to conceive.

1:15:12Oh, in the documentary specifically about that topic? That's interesting. Well, I'm just saying. Who would have thought? That's interesting how that works. It helps with a lot. We're talking about the paper towels, though. Are those bamboo? Yes, those are bamboo paper towels. Because all we use them on is to clean up dog shit. It's still good to get rid of toxins in the house. I don't agree with that. You don't agree with that? I mean, it's fine, but I wouldn't be spending a shit ton of money that we don't have throwing away our lives for it. I'm not. Like slow transition. What do you mean? Yes, you are.

1:15:39Not for the f***ing paper towels. Buddy, everything is stacking up. The second she saw that, it was a complete 180. And that's most things that she does. It's like she sees it, she wants it, she does it right then and there. Like that f***ed camera. And you control everything. Yeah. I sold the camera though. She bought like this$1 ,000 camera. The G7X, I wanted it. Literally like two days after seeing it. But then I got it for$900. For what? Why do you need it? She didn't even use it. She didn't use it one time. Your iPhone takes good photos. No, I know. And then I sold it for$1 ,200. so I got a profit.

1:16:09Okay, you got lucky. Yeah. Not even one time. You got lucky. I saw that it was selling for a lot of money. So I was like, if I don't like it, I can sell it. And I did. Are you a cuck in this house, man? I don't think so. It doesn't sound like you can stand up for things. Say, hey, no, let's not get a cuck. I'm getting 2B1'd. What do you mean today? That's with you being racist. Other than that. No, no, no. With her mom. Anytime I bring up something with her, she asks. No, he brings up my mom. What does this mom judge? I mean, her mom read the situation right, where if she has to push you endlessly throughout your life, you're always going to be someone that has to be pushed.

1:16:44I don't tell my mom about everything. There's some times where I know I'm right, and her mom definitely thinks so, but she always sides with her. Wait, what? Tell me. I don't know right now. Mom, tell me that I'm being stupid. Huh? My mom will tell me that I'm being stupid. Like, with the trip, she was like, stop doing that, and that's his stance. So I'm like, I don't know why you think that my mom will just not agree with you if you're right. I can't come up with one on the top of my head right now. Because she does. she's pretty neutral. I need an example if you're going to allege that, man.

1:17:09I don't know. I just think she's pretty like if I'm being stupid, she tells me. She's the first one to tell me. About all these trips, she thinks I'm really stupid. Maybe that. Because it is stupid. Okay. Who has the ideal card? That's the ring. Is that the ring? But it's in my name. You have it on? No. Okay. Engagement ring. But it's lab grown. So it's not. How much was it? It's like 3 ,000? Well, the set was 3 ,000. So we have the money bag. So you are going to return it, right? I don't know if we can. That's crazy. I don't think we can. We are going to sell it? They don't sell it? I mean, they don't sell for a lot.

1:17:45You're going to sell it? They don't sell for a lot. You guys aren't staying together, right? We have to talk. I don't know. That would be crazy, guys. You are just not a match. I'm sorry. This is the reality. I'm really sorry. I do feel bad about it. No interest accruing. That's fine. But it's going to take forever to pay off. The deferred. Look at the deferred. Yeah, when does the deferred end? It's like July. Yeah. But it's him making the payments. I need one more payment. It was$4 ,000. In July, I need one more payment. No, you made the minimum only. What are you talking about? You have to pay$1 ,500 like now.

1:18:21Huh? How much is it? $1 ,500 you f***ed. That's one payment. You paid$55. Maybe for like two. Two of them. That's what you paid the last month. I understand that. But that's one more payment. That's an easy one more. Yeah, except you guys blew all your money, so maybe not. We'll see. And so how much goes on there if July hits?

1:18:47Hundreds, almost like a thousand. Oh, so it's like two payments. Dude, you want to be with a… Literally, your kids are going to be so stupid. I'm not even kidding. That's not even a joke. Two payments? Who's the city double cash? I think that's me. You think or you know? That's me. Okay, well, interest is accruing. Why aren't you making large payments on it if you can make such big payments? I'm paying off another card right now. What do you mean? What are you talking about? There's another card, the Discover. Well, you better prove that when I get to it. Right now, this is accruing interest. It's at$1 ,000.

1:19:18No, sorry. It's at$994.42, minimum payment$41. What did you get? Why? What's up with this card? Why is it so high? Oh, he's had a late fee this year. So yeah, he's really making it. A late fee? A late fee is crazy. He said a late fee. That's what you want to marry. Again. What? It really sounds like I'm running a campaign to break you guys up, but you guys should probably break up. No way. Yes. $41 has a late fee. That's crazy. Where does it say it? Wait, wait, wait. It's under fees. $41 is a late fee. I'm being told that's his CSGO card. Yeah, that is. That's crazy. You think about it? So he has a late fee for buying skins for his guns.

1:20:03That's insane. It's the cases. You know them. Stupid. Yes, of course I do. You're okay with it and him being late on this. No, I'm not okay with it. He's going to keep doing it. I made the money back. You were late. I mean, that's… Interest is a grain. Is interest a grain on the money that you made back? Why don't you have auto pay? I don't use the auto pay because I pay it beforehand, but I have it just in case I forget. I'm worried that it's going to overdraft. He does$100 once or twice a month for this shit. That's it. And that on top of everything against stacks. Not 100 or 200. I thought it was just randomly like a random purchase.

1:20:42It is random. Not if it's like one to 200 a month. It's randomly when I'm feeling it. That's random. I don't like that. Bro, you guys are so... Discover it. Who's this? That's my card, but he uses everything on there. I don't do anything. You spent$1 ,088 on there? On the Discover? It? Yes. Yeah. He took out of his 401k. What? It was a lot worse. To pay off. It was like$3 ,500. He took out of his 401k and paid off, and then now it's back to$1 ,000. And again, you kind of know things about finances. You're the fan of the show. You are that person. Yeah. You are, I'm sorry for running this campaign, marrying someone who's spending this much on an interest on a card that is going to fuck you, and he took out of his 401k for it.

1:21:22There's like$400. Well, he spends hundreds on CSGO a month. You're okay with someone that pulls out his 401k for that. But I'm thinking it was way more interest. You know, it's actually kind of pathetic. You got to understand. It's kind of pathetic to go along with that. There's necessities on there. It is kind of pathetic. It's kind of pathetic that you can't stand up. Can't stand up. And you'll just accept it. Failure. Who gives a shit, dude? You'll get a success. You'll find someone else. I'll matchmake you. I'll matchmake you myself. I'll matchmake you myself. Wes, he's handsome. He's tall.

1:21:55He does well. He's successful. He's who I've been trying to matchmake with people. He kind of looks like him, just a little balder. But he's much better. He's probably going to bald. Yes, he absolutely is. Look at him. Look at that shit. No one puts their hair like that. No one with a hairstyle like that keeps it for long. I mean, my dad's just bald. He's going to age horribly. That white skin. Good luck, dude. I think I look good bald. You don't think so? Can you grow facial hair? Yes. I have to shave it. She doesn't like me growing it out. Okay, then yeah, you might look okay. I said he could grow it out.

1:22:29You might look okay, but no, no, no. You're going to age. She made me shave it for the show. I don't care. You're going to age horribly. Well, because it was like little pube hairs on his skin. He's going to age horribly. It would have grown though. It was like little pube hairs this morning. He had to shave it. It would have grown out. It didn't look bad. I think it looks good. $35 a month owed$822.21. What did you spend$1 ,000 on? But there's like breaks on there. There's food probably. Yeah, I'm about to go through that. I'm just like, you asked. So, but you don't have to. You can go to the, you can use your debit card.

1:22:56You went to the pet store, but it could have been a debit card. Beltos. I don't even know. IHOP. Marshalls. Buffalo Wild Wings. Definitely some bullshit from Walmart because that's$3.75. That was not a necessity. What are you getting? Energy drinks or something? Yes. Of course you are. I get a lot. Congratulations. We make it at home just like you got to make your coffee at home with Gamersupps. Find out the flavor you like by getting the free samples. Gamersupps.gg. Link in the description below. Type in code Caleb. of, get your free samples, and then get your pack at 10 % off with my code, and you'll be able to make your energy drinks at home.

1:23:28They taste better, and it's good for meal prepping. 40 cents a serving. So there you go. Some energy drinks. Rivera's, Salvadoran, Brahms, Taco Casa, Amazon, Bolsa, Seven Brew Coffee, Sirloin Meat Company. Sirloin Meat Company, hundreds of dollars. Oh, butcher. We get meat from a butcher. Yeah, hundreds of dollars. You guys can't afford it right now because you guys have f***ing up everything. That's what I'm saying. bullshit it's like 15 pounds of meat a month for 240 from a butcher that's actually good yeah and then you guys go out to eat constantly on here or he does at least Rockwall Rockwall Modern and then Record Center Record Center I don't know probably the new album the vinyl it's stupid guys you're never gonna be able to hit your goals never with this kind of spending this is insane and then the freedom card comes up next and you brought that up earlier yeah okay Well, it's not a big O.

1:24:22It looks like this one's paid off every month, so I'm not going to write it down, but it is still money that is being spent. Well, that one's the one where the$1 ,700 is going on because of the casino. Okay. Yeah. $1 ,700. Yep. Minimum will be like$40, because that's what it always is on here. Listen. Okay, yeah. So, yeah, it's gone up substantially. It's over$2 ,000 at the casino. Okay, listen, this makes no sense. Even if you did pay this off, it is still money that is being spent that could be going towards other things that are important. So it's still bad even if it's a paid-off every month credit card, which it's no longer anyway.

1:24:53So interest will be accruing. It's fucking stupid. And what are we getting on here when it wasn't even high? Energy drinks there, genius. Energy drinks. Or probably, I don't know, you went to Walmart for groceries, but then you went back inside and you got some bullshit. You got something to do. Oh, it's probably groceries, though, because I don't go in and buy any drinks. We'll see. Genesis Thrift Store, Alan Ash and Rose, Mochi Antique Gallery, East Fork Mall, Chili's Town, East Fork Mall. Oh, I hung out with my aunt. Some bullshit. Starbucks, Ram Fitness, Hway's Coffee, Rockwell Modern, bullshit TikTok shop, Goodwill.

1:25:28Yeah, she shops a lot. Yeah, you do. And you've had some fees this year too. A lot. Fees? Yep. Better not be lay fees. I never have missed a payment. No, it doesn't look like a lay fee. I can't tell what it was for$10. I was about to say. Who's the Apple card? Mine. Guys, you have so much debt, so much cards. It's so stupid. $239, minimum fee payment$25. I don't think there's any purchases, but you guys are just carrying credit cards and balances. She's got a new puppy for$900. Of course you are. You shouldn't even be together. I love that baby. Depot, Starbucks, One Quince, Real Paper, a real paper, McAllister's, Marshall's, Bullshit, Bullshit, One Quince, Donald's, Marshall's, TikTok Shop.

1:26:07That one I pay off every month, though. It's bullshit. It's bullshit. Gap, Gap, this is bullshit. Okay, I'll cross it off for paying off, but it is still hundreds of dollars. That one has$500 now. I'm going to kill you.

1:26:23Okay, probably like a$40 payment. But I'll pay that off next month. Oh, we'll see. It's just stupid, man. Even if you are paying it off, it is still money that could be going towards an emergency fund or retirement instead of him pulling it out. Instead of you guys going in debt to the family for the wedding. Instead of you going, having to do a$20 ,000 travel bullshit. for your honeymoon. Capital One Saver only made the minimum. Who's the saver? That's me. Interest free for now. It won't be long. $2.8946. Minimum with the payment,$25.

1:26:58Interest accruing. I can't even spend a lot on that one. It's like$300. Thank... That's what you want? This is so pathetic. Capital One. Who? That's me. Interest is accruing, only making the minimum. This is the one you said you're making progress on. No. that's the discover. But that's because you pulled out of your 401k. Yes, I did do that. Oh, so it's not actually making progress. It's pulling out of your retirement. Shut up, you pathetic worm. $234,$20,$25 minimum payment because you pulled it. I needed to buy breaks. So it went up. After you pulled out of your 401k to pay it, that's why we don't do that, man.

1:27:29It was the meat in the breaks. Listen, we have personal loans to apply for on CalebHammer.com, but it's only when you have changed behavior. And then you can do it or else you end up with credit card debt again after you already pulled out of return. Those were necessities. We had to eat and I had to do my breaks. You want me to crash? We are legally obligated to answer no. But either way, number two. What about the food? It's not just that. You guys spend so much money on bullshit that instead of pulling from retirement, that could have gone towards the necessities instead. Shut the f*** up. It was food, groceries, and bricks.

1:27:55Shut the f*** up, Amazon. Yes, but you'd be able to afford that if the money wasn't going to bullshit. Thousands a month. Amazon is me. Oh, it's$0. So I don't have to worry about that. That one has$95 on it. Okay, well, that's fine. I'm not going to freak out about that. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Okay, student loans. Who's$18 ,000? That's me. For a two-year degree. Yeah. You have that too. No, but he doesn't use it, and I have a two-year degree. What's your degree? It's networking and systems. Okay, why don't you get, I can get you an IT certification through course careers, get into a higher income field.

1:28:26A lot of people have done that. That's why I wanted to go into the military to get that paid for. Why, buddy, you're just doing plumbing. Oh, like the plumbing is to have something on the side in the reserves. Okay, monthly payment$122.26. Yeah, I pulled out extra loans at the time. because I wasn't working much. I'm sure you did. He's never going to change. Federal Student Aid CRI, is that you? Yeah, it is. Okay. $36 a month. $36.71. Minimum monthly payment,$3 ,301.20. Okay.

1:29:02That one. Fuck, this is still more. This is collections, isn't it? What even is that? It never went to my actual collections, because they messaged me right before. Like, it went to a collection agency, but they messaged me. There's not. There is. No. Yes. Before I paid it, before they contacted me. Late fees, right there. But now I'm on a payment plan. Late fees,$100. Yeah, before. How much? No, before when? Before when? Before I set up the payment plan, before they contacted me. It's$50 a month. I think it ends. $50? Yeah. So it's$986,$87,$50 a month. I've been paying it since 2024. Well,$50 a month for that$900.

1:29:35Fuck me. So that's all the student debt. Yeah. All right, that's all the debt. Good. Checking account. Who's Wells Fargo? That is me. Yep, there it is. Energy drink. Mr. J's. Specs. Gotta get the beer. Do you drink? Occasionally, like maybe once or twice a month. Dude, eight beers in a sitting is crazy. Have you ever had a Coors Light? Yes, it's disgusting. That shit is the best. What? Or a banquet? I've never had that. I don't know what that is. It's a Coors Banquet, like the original. What? No. Delicious. I don't like beer Carl you have to please let me I can get you I can find you someone even a gay man would be better lavender marriage yes I would like that he would probably give you more babies than he's able to energy drinks steam games Mr.

1:30:26J's Mr. J's steam games steam games steam games steam games Mr. J's is energy drinks Pokemon Go Pokemon Go energy drinks energy drinks bullshit Pokemon Go energy drinks bullshit ATM would draw$205, went to the strip club, had some fun. Say what? No. What is that? What did you say? Bro has an OnlyFans login. I don't. I know, that's crazy. That had to be old. Chase, that's you? Yeah. You started with$53 and ended with$94? Yeah. You suck too. That's all payments. So far, just money transferring back and forth. Okay, and then apartments go, apartments go, apartments go, zelen. Okay, that's not horrible.

1:31:00Savings is held steady at$1 ,300. She's going to be the only reason you might have money. And this one, in your savings,$0.08. Are you guys getting the relationship yet? 295 infidelity. Who's that? That one is me, but it's up to 1 ,700. So I'm putting it. That's fine. Charles Schwab, who's that? Mine. That one's actually good at 35 ,000 at your age. It's the only thing that's going to give you guys kind of fit. And it was 33 when I put it in. So it's been growing. Okay, and then you obviously have nothing because you're pathetic. Gross. That sucks. I had it actually before we met. Are you going to say it's her fault?

1:31:38No. It's actually my brother's. I had like... That you pulled it out? Huh? That you chose to pull it out? Oh, no. This is just savings that he was talking about. Yeah, I had like nine grand saved up. Yeah. Okay. Do you now? No. And do I care? I mean, you should. Net income, no. $7 ,080 a month. Good. Good income. Listen, the Sapphire Preferred won't normally be that high of a minimum payment. Don't even factor it in. No, I'm going to factor in normal, which is like... Yeah. What, like 200? How much is normal? Normal would be low because I'm just paying off those and then it will be completely done.

1:32:19Well, there are some smaller purchases on there. Those I pay off right away, but I think it goes to the payment plan. No, there was interest accruing, so that's not true. No, but I think the payment plan goes to the payment plan. I'm going to add 50 bucks. Minimum fee payments, outside of that, which will quickly wrap up, $571.66. What's your rent? $1 ,500. $1 ,500. Okay. Utilities, gas, electric, internet, all combined? Internet, gas, electric,$400. Okay. Phone bill? We're separate, so I'm 62. And I pay$50. Hey, helium's good up there, guys. $15 a line. Same towers as T-Mobile. Transportation, gas, vroom, vroom, drive, drive.

1:33:04How much? I spend$200 a month probably on gas. I probably spend$300. Maybe a little more,$350. $500. A little more,$550. Okay. Car insurance. $370 for both of us. Okay, necessary food,$600. Meal plan, meal prep, easy peasy. TP fund, anything else you guys need to survive,$200. Tampons, makeup, toilet paper, all that good stuff. Toothpaste, TP, medical healthcare. Any co-pays on a monthly basis? I do mochi, which is like the semi-glutide. For weight loss? Yeah. Were you fat? Not really. I was just 170, and I lost 14 before I started semi-glutide. How tall are you? 5 '4". I just want to lose like— I was in a picture.

1:33:49She's not fat, but 170 is kind of heavy for that weight. But that was 170. But it's probably your tits. I mean, I just want to lose like 10 more pounds. I mean, that's fine. There's nothing—it's okay. I mean, I technically don't need to be on it. I lost 15 before I got on it. So I was down to like 155. Okay, how much does it cost? 155 a month. I hate that shit anyways. I'd be happy if you got off of it. Why? I think it's stupid. Think about like the... I don't think she needs it. Think about the long term. What's that... What's that... Is doing to you? Do you know the long term effects? No, but who does?

1:34:20Who does right now? But also diabetes. It's too new. People have been using Ozempic for years and years. For diabetes though. For 20 years almost. It's hard to say. Yeah, that is true. For diabetes. Yeah. for the actual reason. If you have any pets, you just got the dog. Yes, we pay$110 for pets' insurance. $110? Yeah. How much for pet food? I don't know how much he's... I do the dogs, he does the cats. So I think I pay like$80 a month for dog food. And you? Probably$100. Yeah, factored in litter and... Anything else that needs to be in this budget that I've not put in? No. In a budget as a household, honestly I'm just going to emphasize it again just one more time and I do apologize if it's too much but I really don't know if you guys should be together as life partners I don't think you guys are bad people except for the racism but besides that I think you guys are okay and you will find a better match and it doesn't mean you guys are horrible doesn't mean you failed doesn't mean you're losers okay listen,$4 ,800 essentially to live I'll give you$200 to fund, round it up to$5 ,000 to live.

1:35:28Okay? I'll give you$280 to live. So you have$2 ,000 left on a monthly basis. So your debt is$30 ,822.27. But we're going to minus the student loans. So mine is$18 ,805.36. Then minus yours at$3 ,301.20. So$8 ,000. Okay, that's perfect. You're paying off debt in four months. Easy peasy. High income earners, I swear. They're so privileged. They're so spoiled. and it's the easiest situation in the world. You guys are fully funded, emergency funded in a few months, and then you can trade away. It's so easy, guys. This is actually four months to pay off debt. One of the easiest in the show, if not the entire show.

1:36:09What the is wrong with you guys? Leave each other. Get better partners. Because you guys aren't it. We have to talk. And that's fine. Yeah, talk about it. Someone's going to manipulate someone, and then you guys are going to stay together, and then there's going to be resentment, and just not the right partnership, but that's okay. Happens every day. I'm going to call the mom in the post show and see what she thinks because I bet she agrees with me. But let's get the Hammer Financial Score first. I'm going to look through your search history as well. And you all have text messages. There's always shit in there.

1:36:37Okay, spending in a budget. Zero out of ten you ever spend. Debt. That collections thing technically would bring it down, but it's not hitting your collections. I'll give you a one out of ten being generous. Emergency fund. One out of ten because you have like a thousand retirement. Good for you. but if we're going together dramatically brings it down five out of ten real estate zero out of ten hammer financial score get cheers at calebhammer.com you guys are 1.5 out of 10 join us in the post show click hammer elite you'll see their uh drive home we'll edit it down to see what the conversation actually ends up and see who manipulates who how they still end up together who knows how but they will sadly for them join hammer elite three shows a day Six days a week.

1:37:22Stay there. Let's see what your mom thinks. Everything you said, I've kind of said as well. If they end up getting divorced, they have to pay me back for the wedding. I've lived through that with resentment, you know, being in relationships with that resentment, and it's not good. And so it is a big fear of mine. But I want to tell her now, your mom's right. I have an exclusive offer just for you. But there's only one week left to purchase. you'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Plus, I just launched the brand new Hammer Elite app available on every major platform.

1:38:00To celebrate the app launch, I'm offering 30 % off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise. This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome? That's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense?

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