I Kicked Off His B*tch Wife | Financial Audit

21:32Anthrax, China Spitting soy sauce in each other's mouth I don't know They're doing some crazy shit Indians cook with their feet? I mean, come on, dude. Yeah, TikTok. So I guess let's do meth. But every time I was on the boat, I was... I'm moving on, dude. Moving on. That's what I am. No, no, no. Go, go, go. No, no, no. I wanted to say I'm proud of you for getting off. Wash, but what does meth do? It keeps you up. You have to stay up. I know. But watch this. There's no time to go to sleep on the boat. Are you defending meth? No, I'm defending the fact that because they're on the shipping boat, and if you watch TVS Catch, they're literally working all day long and all night and get like 30 minutes.

22:01What are you arguing against? I'm arguing against that. She's defending me. It's not. He did it. I was complimenting him for getting off of that. Me too. And it's a thing. But the reason why he did it too on the boat. It doesn't matter. To catch more sugar and make more money. Oh shit. So he could spend it all on meth. Yes. He did it. Exactly. Or meth horse. One of the two. The mustaches. Anyway, whatever. So you got thick in jail. Usually people get fit in jail, right? Isn't that the stereotype of these? But here's the deal. You didn't join the whites? The woods. I got a lot of friends that are Even outside like in the free world Yeah but no I'm like solo Solo I don't get down with gangs That's just like the point of that is to Tear you down Oh okay Anyway yeah I make$26 or$23 an hour Packing What again?

22:50Kratom Kratom? Yeah Should you be around kratom? Actually it got in my lungs And I was in the hospital for like I went to the hospital three times And so like I used to make 40 hours but now I'm only making 24 because... There's a Kratom factory in Hutto, Texas. It's actually 15 minutes away from here on Cameron. Making Kratom. They ship it in from Indonesia. Pack it, make it into pills. Before I was putting it in bags and shit and mixing it and stuff, but it got in my lungs and it made me really sick where I can breathe, dude. I was too weak. And so I ended up... Quitting. I ended up quitting and then I was like, wait a second, I can't do that because my wife doesn't have a job.

23:28I was texting my boss. I'm like, hey, can I have my job back? He's like, yeah, but we're not going to put you in the clean room. We're just going to put you shipping. So Wednesday, Thursday, and Friday, I'm just putting shit in envelopes, boxes, da, da, da. That's good. But I do have an interview for UPS or an orientation for UPS on the 13th of like in two days. Do you have a felony? Yeah. Do they care? They don't because it's seasonal warehouse work. So it's seasonal. But I have to do something. You know what I mean? I have to find another way to make more money. But you're away from the inhale, so are you okay?

24:01Yeah, but there's not enough shit for me to do if I'm not packing that powder. So that's why I'm cut down to 24 hours now. Look, private student loans can make you feel like you're one missed payment away from selling your grandma's heirlooms. We miss you, Grandma. Y-Refi says, chill out. No more sacrificing the family jewels. They don't reduce you to a credit number. They actually want to see if you actually plan on paying them. And by the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle. I mean, some lenders want to charge so much that you'd swear they're putting your firstborn on layaway.

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25:45It shows you exactly where your money is going every single month. spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get six to try for free plus three months for just$9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started. Oh, you see what I'm saying? So I have to find another part-time or another job completely because I don't have enough money right now. He can work for 40 hours. He can get there, but he's only going to do like packaging Kratom for like just on a Monday.

26:20So if he can minimize that, then he would be okay. So what is your account, like$2 ,000 a month? Dude, it's probably, like I think the past two checks I had were like in the threes, bro. $3 ,000 a month? $3 ,000 a month? Like, because I get paid every week. Exactly. And then like I pay into my 401k with 4%. I'll say$1 ,500 for now, hoping we get a little back. But okay, so that means the house, why didn't you have a job? He had to go back because you didn't have a job. Why didn't you have a job? Because that doctor asked me over. Yeah. And she literally— I saw a note somewhere. It popped up. You've been just— You've been blabbing so much that I miss them sometimes.

26:58Oh, you've had— Since he met you a year ago, essentially a year and a half ago, you've had 13 jobs. Yeah. What a dog. That's an understatement. That was dramatic. I said that, but she's probably had— Is it an understatement or dramatic? It was dramatic. She probably has literally— If you count them, it's seven. I've done it before. Yeah. Seven jobs in a year and a half. F***ing crazy. I've had one. I've had one. You could never build a career off of that. Of course, but I'm not going to deal with doctors who don't appreciate a hard worker and they say that they're going to compensate me. That's interesting that it's happened seven times in a year and a half.

27:27Almost like it might be on you. It is on me because I don't take no shit. Right. Very employable. Very doable whenever you do have the money and bonuses that you like to back on. I was a treatment coordinator for, my sister was actually my boss, for braces. No, it is good. We're awesome. We're like super tight. But yeah, it wasn't good at the end. That's why I'm not there. But anyways, we were making money hourly. Like$28 an hour plus$1 ,000 on each five offices that we worked at. And we literally killed it and was making$1 ,000 on top of that. Yeah, so I was being good. Why are you leaving jobs every two months?

28:05No, I was actually there for like more than that. I just don't take nobody's shit, period. If you can treat me like B-I-T-G-H whenever I am doing a good job. Yeah, but what do you consider as being treated as a bitch? I don't care. I see your personality here. I feel like you think almost anyone's a bitch. But I am too, and I have that face too. Well, we know that, and that might make you not long-term employable, but how the fuck are you ever going to— That's not your goal, to be able to take care of the bills. No, my goal is to be a financial freedom, financial aid, but I have goals to be out of that.

28:38Wait, wait, wait, what? What did you just say? I want financial audit, right, to help me, budget. This. It's a budget. We can't budget off of a lack of income because you leave every two months. Exactly. But I have goals that I'm going to get to eventually. Okay, what are your goals? At first, I have, like I said, my business. I can make five doctors working back for them. It's $25 ,000 a month that I can make, okay? I have that business. Has she done that yet? I have a Wix account. I've got my own cards. Wix account? You're talking Wix, like the website building? Yes, I did that. I have business cards.

29:13I've actually done everything That's not legal in the state, though? Yes, it is. I have my LLC and everything. I went for that. But that was during COVID. And I worked for that for a couple months. But I haven't gone through it because I haven't had a savings to be able to actually put my whole work. And I can't get a loan because my credit. A loan? A loan for what? For the business? Yeah. Okay. Well, hang on. I don't have knowledge. You do. Okay. You're going to help out. Dude, we've never tried to budget. We've never tried to budget. We've never monitored our spending. We never, we never. Why not at least try?

29:45Because neither of us care. We don't love and we got money. You don't care. Then what the f*** are we doing? No, no. That's why we're here. Because we want to care. I've never had anything in my life. So when I have money, I just f***ing blow it on whatever I want. So much. And mostly it's her. I love the dental field because I'm very knowledgeable. I'm in there since like, what, 21 years in the dental field doing all types of stuff. 23 years of no more than three months at a time. But yeah. Whatever. You don't know the rest. But I have been front desk. It's going off your words. What's your website?

30:11My website is, it's virtually, well, it's off now. It's like, I haven't done it. We have a call from you. When it comes to this, you and your work, slavery is over. What the fuck does that even mean to you? Oh, I don't want to be engaged from nine to five. That's why I started a business. But then, what? Oh, good fuck. How are you ever going to pay bills? The one that she is talking about specifically. Caged or chooksing? Listen, the one that she is talking about specifically, because she doesn't remember what she said. She was working making salary, but she was working like 13 hours a day. She wouldn't come home until like, you know what I mean?

30:44And so that's what, yeah, exactly. People do that all the time. I don't give a f***. Paying bills or not. You're taking kids or not. What I'm saying is though, you asked a question and that's specifically what she was talking about when she said slavery is over. Choosing to work a job that you chose and accepting that contract that you chose. But she left that thing that she chose. Yeah, but you're not without something else lined up. Did you have something else lined up? I don't think. Yes, I do. What? He had to go back to work at Kratom. Okay, but watch this. I have so much experience. My resume is like top notch.

31:13Okay. Because of all my experience. Oh, I have your website. Okay, cool. There you go. Look at it. I did that my whole self. I did all that by myself. Yes, I'm very glad we have.

31:30Dentalconsite.com forward slash website. Well, I got to perfect it and I did. I am very witty on that. That's something easy to call out. Yeah. But, yeah. Okay. Eliminating stress from dental, dentist since 2015. Yeah. Wow, you have a whole plaque and everything you made. Oh, I did all that. I'm super witty. I'm graphic designer, editor. And it says that you didn't even pay for it because, oh my gosh, there's something in my nose. It says this website was built on Wix. That's permanently at the top of your website. Well, because I haven't made it my domain yet. Because I can't. I have to pay for it.

32:05Monthly. I put that aside because I just had a two-year-old. Who we are? We are a Christian-based religion. Virtuous. Virtuous. I was virtuous. That is religion. Exactly. Christian is religion. So we're Christian, and I want them to know, whatever, religion, no. I want them to know that I am true, faithful. Sure, but you're very much limiting your... Exactly. Clientele, you want to limit your clientele? No, I don't, but I haven't worked at it because I don't have... We can help your practice grow. operations, leadership development, staffing, marketing. Wait, you do that? I do it all. Remote billing, which for some reason is in bold.

32:40The rest were not. Yeah, because I couldn't do your whole billing and your whole accounting. Really wanted to focus on that by bolding it. Yeah, because so they can know that I'm a beast at getting their money that wasn't paid for. Even though it just mostly looks like an error. Okay, well, I can unbold it. Technology, a book your free personalization, one-hour assessment. How often do people click that book now? Well, I haven't utilized that. Our partners, Do you have partners with all of the... What is it? All the dental... Very dental thing in the world? No, it's called Open Dental. Like Open Dental on Facebook.

33:10It's all the softwares that you use. About? That I know how to use. You mean our founder and CEO and one employee. One employee? I don't even know what that is, but I'm the one employee for now. Oh, that shouldn't even be on there. Yeah, we need to edit that. Uh-huh. Okay. I'll be using it, have you? It's on my phone, yeah. I sure haven't. I'm just confused again, though, because how the f*** are we going to get anywhere if you cannot hold down a damn job? And we know this isn't paying the bills. That's not paying the bills. I feel like that's a part of what I need to do, though, too, as well.

33:44As soon as I left one job, I have a job the next day. No, no, what I'm talking about is maybe I should— You had to go back because you didn't have a job. This is only for this year. Well, guess what? There's no reason my wife should be making more money than me is what I'm saying. What do you mean by that? Why do you care about that? Are you f***ing? No, I'm saying if she wants to f***ing leave the job, I should be mad enough to just be able to at least pay our f***ing bills, dog. I don't think that has anything to do with you having a dick. No, no, I just feel like in my own heart, though, in my own heart, though, like, I'm not a macho man.

34:09I'm just saying, like, in my own heart, like, because, like, a lot of the times that she did leave her job, I was like, f***ing leave because I was tired of hearing her say, I want to quit, I want to quit, I want to quit. I'm like, f***ing leave, you know what I mean? I agree, she's annoying. I want to be a stay-at-home mom. I mean, she is, but she's beautiful. Look at her, man. I mean, how do you not? The thing is, we live in a dual income society today. It's not the 1950s. When we moved into the apartment, we were supposed to split it down the middle. And now I've borrowed to pay. But then I was one paying for everything and I got the apartment by myself.

34:39But she did. I gave him a car. I gave him 15 watches whenever he got out of prison. Was this a competition? No, but I just wanted to know that he is taken care of. And if he don't got it, I got it. If I don't got it, he got it. There's nothing that is bad about me paying all the bills. just because she didn't have it, right? Okay, I'm supposed to be there to back it up, but that's not what we agreed on. My dream is to have Bia stay home while I'm 19 kids. My 19 kids and counting. On the amount of money that I'm making now, I can still pay my half of the rent. So he needs to go to Alaska to be on the Bering Sea.

35:09If y 'all can hear that right now. Yeah. That's true. What the f*** is going on? He's going to make tons of money. There are millions. They usually got 14 ,000. Okay, so you guys have absolutely... Okay, you guys... Okay. You're a mess. and that is what's destroying you. Come on. Let's be honest. You cannot stay... I'm someone who gets excited about things and I pursue them. That is one of my flaws. But at least I... At least 90 % of the time do them and do the work that is required to get there or at least give them my all. If I fail, I fail. No, you bounce around your... This is my dream. Your job, people.

35:43This is my dream. You've been trying it for years and you have a Wix.com unpaid for site. And I'm going to get a domain if I want that. If he can make more money to support me. Okay, and how can you with felony. Because he can get it expunged. What are you doing to get it expunged? I don't need to get it expunged. I need to get my Twit card so I can go to like a towboat or something. He wants to be in the sea, period. But we have just moved in together in June, so like we're... My guy, we live in a hoodo. He is going to a hoodo. We're not on the ocean. We will be soon. No, no, no, but like... We're moving to the ocean.

36:14Dude, listen, listen. She's saying, listen to me. What about the kids? She's saying, listen to me. You're coming with us. Mute yourself. Only one. Babe, hold it down just a notch, please. Okay, yes, baby. You also want to have three with him. Look, I grew up on boats, so that is my passion. Technically, it's fishing and shrimping, right? But since I came here, it hasn't been lucrative, and it came between us. F*** that off in order to go, like, because I've never been anywhere except for where I was from. This will be sexist. Does that not make you nervous? Exactly. Yes. No, and that's— Being back in the environment?

36:46Exactly. And that's why I don't do it. But here's the deal. So if I get my TWIC card, both of you, if I get my TWIC card, I can go to Houston and get on a tow boat and then just go down the intercoastal waterways and they're drug testing me. This is all like, uh, I'm going into federal or, you know, international ports and shit. You can't around on that type of shit. And so, and I'll be making, starting out like 30 something an hour. Then you move up through the company, you get your tanker man. Then now you have your six packs license where you're driving the boat and just, you know what I mean?

37:16That is the path that I need to take But we just got together And I just got out of prison And I haven't had You know what I mean You see what I make on paper I can't How My Twit card's gonna cost like But I would buy that How much I forgot exactly how much But the application's like 100 And then it's Like And then it's a couple like I think it was like 600 Or something like that The Twit card was cheaper But the other thing So you're gonna move to Houston No No I No listen Well Crystal Beach Listen She would drop me off in Houston And I would get directly on the boat She would pick me up in two weeks Yeah yeah because I would stay in Hutto.

37:46What, even on the, just up and down the canal is like a two-week mission? Exactly. Like, say, we'll go from Houston, then boom, we'll hit Port Arthur, and then we'll go all the way back to, say, like, South Texas, like Brownsville or whatever, and then we'll come back. Like, it's just, you're just, it's like a, the best way to explain it is like an 18-wheeler in the water. I gotcha, I gotcha. You know, the captains that do, like, party boats on Lake Travis make a lot of money. I've applied to that, and I have enough. He ain't seen acid titties all day. I have enough seat time. They don't get naked.

38:17I have enough seat time to, I've applied to all those jobs on Deed. He doesn't go to Strictly. She is very insecure. I have a lot of jobs that I've applied to on Deed for that, but there's so much trust in that that my background flunks me every time. I shook hands with the guy and he hired me. Boom. And I was going to have access to boats and it was going to be a part-time weekend gig making$1 ,500 a week. How do we get it expunged? I can look into it. It's easy. Money, yeah. How much? $5 ,000,$6 ,000. I talked to a lawyer I don't have a lawyer I'm on probation right now You have to pay for that I just got off of parole I got out of prison on probation and parole But you're still gonna expunge How long is parole?

38:52Parole's over Probation 28 February 28 It's not bad Yeah But that's money too I owe them Yeah Yeah I mean that's hard Obviously You did the thing that I mean you You got your punishment It's fine And I I think we should punish people And I think if You do it At least two more times we should probably lock you away for life. Oh my God, no. Two more times. No, stop. Hey, we should do it now. It's because like 80 % of crimes committed by people that have been arrested for crime three times or something like that. So it's like, if you lose it, I'm done. I went to prison for eating a bag of weed. Well, okay, I wouldn't lock you away for that.

39:33But you said you were like on a big thing because you were messed up. So I thought maybe you were violent. No, no, I wasn't violent and I wasn't stealing or anything like that. I was just doing drugs and having drugs on me and being with different women. That was it. Huh? And being with different women, that was it. Being different women? Being with. B-E-I-N-G. Stick it in. I love it. No, that's over with. Now it's over. We have a ring. No, he's not available. Off the market, so I might buy. That's fake, isn't it? Of course. We're broke, dude. Hey, but I got a gold one that's nicer, but I'm silver.

40:06I'm matchy. So yeah, I go with what I'm wearing. because you were gold, I can go to my bank. Dude, yeah. So what's going on? What are we dealing with today? Dude, we are like, I'm only in debt a little bit. I thought like originally we came on financial audit because I thought that I needed an audit, but technically my wife needs financial exorcism. Do you guys not have it together? We're not, no, no. Finances together, finances. Like we're not joint in anything, but like we know of everything about everything. Why? Because we don't have it. What's the point of being joint when your account's negative?

40:37You can still write down, I did have, I wanted to get that budget book that I saw on TikTok, but I never did. So we do. There's like a budget book that you can like budget. You get the premium version of our DollarWise budgeting app forever. I used to have that or whatever. And so I was going to start doing that. But then we're like, okay, we know how much we make. Let's just bill it. We just pay the bills. We just live page it to make it. And dude, I'm like. Sounds thrilling. It is. How much debt does the household have? I have like$1 ,500. She has like almost$9 ,000. How much debt does the household have combined?

41:07Probably almost like, well, if you include the people that I owe individually, probably like$15 ,000 to$16 ,000. Yeah. You'd say that as well? Yes. $27 ,823.53. Oh, wow. The household income ranges from$4 ,000 to$4 ,500 a month. Oh, my gosh. Wow. That's, the ratio's f***ing. Yeah. Like, we're done. And then our rent, that's our rent. You know our rent and everything's on there, too. So what can, on the debt? No, I'm just being like, on what you calculate. We know what we're paying out and shit. Well, I haven't even said that yet. We'll get... How much would you make from being this toer? The 18-wheeler of the seas.

41:44I'm going to say probably starting out about five a month. Okay. But like my buddy, like my good buddy of mine, he probably makes like 150 a year. And he can get me on immediately. Boom. Yeah. So I just need to... Do you know what I mean? And does he do drugs? He doesn't. Okay, good. He's a very young blood. I really don't want to see you get back in that environment. He's not. I really don't want you to go back down the aisle. That's not an option. I'm way beyond that. I agree. I agree. It's in Houston, not in Crystal Beach. Crystal Beach is somewhere it is. Well, Crystal Beach has the word crystal on its name.

42:14Exactly. It's not going down like that. My dad used to say he's the deacon of the Crystal Methodist Church. I will literally not be with a man that does that because I'm not. Yeah, exactly. I agree. I agree. Yeah. So it's not happening. So what the f***? So you said there's only one kid to move, but you have. It's just one kid. There's a shit kind of kid. We have one kid in the house. Where are they? One was with her parents. I just told you earlier. One is with her parents. Two. No, two is with her parents. One is 21. She's by herself. And the 15-year-old is with his grandparents. 16-year-old is with his grandparents because the dad just went to prison for a year because he got caught from the FBI.

42:47Oh, my. Doing what stuff? The FBI? Dude. Human. Human trafficking? No. Drugs. It doesn't matter. Never human trafficking. Not human. It's drugs. Drugs. And passing drugs. Kids? No kids. Immigrants. I thought you said kids. I said, wait, what? Oh, immigrants. That is kids. That's human trafficking. No, no, it's not. It is in a way. That's sexual. That's bad. It's still trafficking humans, isn't it? Mexicans. I was transporting Mexicans. Mexicans aren't humans? It's not good. You know what you're talking about. You were transferring Mexicans. I did a whole bunch of shit. What the f***? The only other time I've heard that in my life was literally last week that I filmed.

43:25Literally, I was Reina del Su. Literally, my dad is the right-hand man of Chapo. El Chapo. It's on the news. Anyways, that's over with. Shut that down. Am I going to stay alive in the coming weeks after this conversation with all the gang talk and chapel talk? We're new people. Bro, you are good. This is gone. In 2009, when I had my son, I stopped all that and got into dental field. And you can't stay in it. Okay, so. I have my legs. I'm sorry, what? Okay, but here's the deal. I think when I met her and she was working with her sister, how long were you there? I don't know, like eight months or nine months.

43:56Okay, never mind. Never mind. Yeah, it was more than that. So what do the finances look like in the household when we have conversations, when we have, I know we don't budget. Okay, what do the conversations look like finances in the house? Just paying bills. Yep. We owe this, this, and this. Let's pay this. So we sit down? Nope. Nope. We're just like, hey, this is due, this is due, this is due. Get this, get this, and we just pay it. Okay. I usually, usually how it's done, like, okay, in the past, in the past month, okay, last month I did borrow my whole f***ing amount. Okay, but the month before that, when I was paying it by myself and she wasn't working, I would just Apple pay her, boom.

44:28and she would just pay because I was having to pay it weekly. My whole check was going to it. Boom. No conversations are done though. No. We don't even talk about finances. Usually when we do, what about spending outside of the bills? Do we not talk about it? We just spend, he spends because we just don't care. Because we're not like, it's... We just spend because we want to spend. If I want this, this is Sheen. Our conversation... Sheen, you're bragging about Sheen? Caleb, our conversation will be like, well, we need to pay this, but we also want a f*** cheeseburger. And we're like, it's okay because you're going to get paid on Friday.

44:58And the next thing you know, we spent half of the rent money and I'm not going to even make the other half on the Friday. But they're lenient at my apartment, so it's their fault that they have a bill so we can pay payments. That was a terrible thing to say. Guys are in huddle. It's not an expensive place. Dude, I disagree. Huddle's not... Okay, objectively nationwide, huddle's not an expensive place. Okay, yeah, yeah. But you're going off some geographical shit. Well, it's like 15... What? Our rent fluctuates to$1 ,500 to$1 ,900 for a little bitty modern house. How does your rent fluctuate? Our water bill is included.

45:32Sewer, and then they add all this crap. That's not rent, that's utilities. And then trash. No, but it's included in our rent. Yeah, it's not totally right at all. I literally want a barn. But what's your portion of rent outside of the utilities? What do you mean? What's the rent number if we took away water and everything? It's like, it's for a house. No, a two-bedroom apartment that our daughter lives in the closet of. I thought you said house. No, no, I want to barn a Minium house. She wants a house. This is also the second time I've ever heard this word. I swear. People just come on and they have the same brains.

46:02Me and him just got together. We moved in barely June 13th together. Whoa, whoa, whoa. We got married in August? August 18th. Is that not moving a little quick? Super quick. I'm going to be 40s. When you know, you know. I mean, what the fuck? So it's for the baby. When you know, you know. You've known four times previous. It's okay. They all wanted something. They all had to be over. But here's the deal. I'm going to give a man a chance who says they want to be this and do this. Yeah, but you're committing to a lifetime commitment of a child. I need to ask her a question, though. Okay, what he's saying is, like, you've committed four times.

46:32But don't you agree that this is different? Exactly. Why? Because when you know, you know. We're both on the same page. She didn't know? In the past, maybe not. What I'm saying is, like, anyway, moving the f*** on. No, no, no, no. If you've done. I'll F up a bunch. but if a man, I don't know, like I'm with this guy, I'm thinking he's going to be amazing, right? That's what I'm saying. Listen, so who wants to be lonely? Who wants to know? I'm not saying be lonely, but you got married after a month of moving in. No, but we had known each other for a while. We had got engaged. I don't care who he was.

47:09We got engaged like. Oh, you haven't had that yet? Love at first sight? At first sight? Yeah. I've had f*** at first sight. Well, this is love at first sight different. Was that men or women? And it was that too. it was love at first sight and love that that same too because i surprised him we met on facebook dating i just had just got out of prison and we met like and then it was just like we never wanted to be away from each other blue-eyed guy just like him because i went in high school i was like oh my god as soon as he messaged me i was like you're my dream and he was like all right let's go and i called him yeah and we very weird you have a mexican last name but you're the whitest person i've ever met exactly um to be honest with you you should look see a picture of my dad he's like way darker than her.

47:48You just got full white DNA. And Irish. Well, guess what? That's me. I'm not complaining about it. I still have the same that I'm saying. That's why I said I'm Guchero's and I'm like, I'm Mexican again. I'm Mexican again. Well, like, there's a portion of me that is Hispanic. But it's only like, my dad's half, so technically I would be a quarter. A quarter. You're so cute. We haven't done the whole thing about like What do we think? I'm gonna go three, two, one, point. On point, I want you guys to give me what you think your household financial score is zero being the absolute worst, 10 being the absolute best.

48:20Okay? Does that make sense? Yes. You'll say it at the same time when I point to you. Three, two, one, zero. Okay. If you want your hammer financial score, get it for free at CalebHammer.com. Take the assessment, see where you stand in the world of money, where you need to improve, what you need to do to improve it, and where you're already doing pretty okay. Just takes a few minutes, and again, it is free at CalebHammer.com. And if you don't want to be like a guest who ends up on this show, make sure you download the DollarWise budgeting app. new features being launched every single week. It's incredible.

48:47Tens of thousands of subscribers for a reason. Check out the free trial. See if you like it. And if you do, sign up for the annual version and I will personally sign this cookbook and mail it directly to you. This is a budget-friendly cookbook. Great for your budgeting. Okay, so dollarwise.app for that. All the links are in the description below. Why do you think it's a three out of 10? He thinks you guys are dead. Like a zero. Why do you think it's a three? Remember that doctor's appointment you were supposed to make like 11 months ago? yeah, the one you said you'd handle after the holidays, then something happened, then summer, and now it's peppermint latte season again, and you're still dodging that dentist.

49:21ZocDoc makes it stupid easy to knock this off your to-do list before the year ends. It is a free app and website where you can find in-network doctors, see actual appointment slots, and book one before you finish wrapping your third gift. Need a dermatologist to look at that zip before your mom points it out, or a mental health check before your in-laws arrive? ZocDoc has you covered with over 100 ,000 doctors across every speciality and appointments that usually happen within 24 to 72 hours, sometimes the same day, which is crazy. It is what I'd use if I needed to book a doc fast. Stop putting off those doctor appointments and go to ZocDoc.com slash Caleb to find and instantly book a top rated doctor today.

50:00That is Z-O-C-D-O-C.com slash Caleb. ZocDoc.com slash Caleb. Let's get back to the show. It's a win-win. You get money, and i get money these are called affiliates and you get that sweet sweet cash for signing up for some amazing products the first one is chime this is a checking account that i personally use and you get up to a 350 bonus with a new chime checking account and earn up to 3.5 apy on your savings and second my investing apple choice these days is weeble and get a two percent match on all of your money that you transfer over and finally sign up for automated investing with acorns Typically, the sign-up bonus is only$5, but with my link, you get$20.

50:42Ladies and gents, you get money. I get money. Enjoy. Links are in the description below. Because we do manage to stay afloat. We're borrowing to manage. Huh? We kind of manage to stay afloat. Okay, I have overdo and overlimit on multiple accounts. I'm just saying, we're not on the streets, and we don't limit a tent. For now? Yeah. We're never going to. That's what everyone says until they do. People get put on the street every day. I've been on the streets. I was on the streets for years. Exactly. It happens. That's not how that works. I mean, I could be on the streets. I could literally lose everything somehow.

51:17Exactly. There's always a way. Right. Not a year. Guys, we know how much comes in on a monthly basis. What went out? Well, actually, no. What came in last month was two. No, because that was cash advance. That doesn't even count. What came in last month was 1 ,500. Yep. And our rent is that. I mean, more. But guess what he has in awesome. How much was spent last month? If you include our rent and stuff. Yeah, it counts. We spent all that on bullshit. I think number-wise. Like, I probably spent, like, if you include our rent. Yeah. Probably, like, I would say, what,$2 ,000 plus the$15, right, you said?

51:58Which is about. So about$3 ,500. What do you think? More. Actually, more. It's probably$4 ,500. Probably almost$5 ,000, I guess. What the f*** is wrong? And you accept that. You're okay with that. What is it? Can you tell me what it is? I don't care. 3 ,095. So I was right on with - You don't care? So what the f*** are we doing? We're doing this because that's our problem. But if you don't care, why do I? Well, I'm just saying, well, why do you - Oh, wait, so - Okay, okay, okay. I care in a sense, but like, if he wants something and I want something. You're a mother! I am. I'm a great one. You should care.

52:27I do. This doesn't indicate great. Okay. I'll be honest. No, it's horrible. Totally understandable. That's why we're here, Caleb I know why you're here Okay, you spent 60 % of your income Not spending 60 % of your income On Miss Laney's bullshit I told the producer that Going out to eat was 17 % 17 % of your income All what we have that can barely set up a life For our children outside of What other people are doing So You're right so my four in the house will be good too but like huh I'm gonna have well I have one I want three from him and so it'll be four so the four after he does all his he'll be on the ocean don't get me wrong listen I mean it sucks for them but we do need you since we have a collapsing birth rate keep sticking it in he will you're doing it for us um okay take two just stop it Walgreens after this and not in a cup.

53:30And then get a turkey thing and for what? To what? Oh, he's saying to check your sperm. For what though? To see if it's fertile. It is going to be because we believe in God and God's going to give his baby per period. If not, I will literally do in vitro right now. But if my sperm is not producing babies. We'll check it soon. Oftentimes, overweight people have less sperm count in their cum. Very oftentimes, obese people and pretty much more than none morbidly obese people. You're in the morbid obese. There's like 3 million. Jelly girl has kids, bro. There's 3 million fat kids, bro. It can still happen.

54:05We'll check it soon to be on the insurance. It makes it less likely. I mean, yeah. And it makes it harder. Okay. All right. But yeah. Thank you for that. You just have to wait two days. I did this as an experiment. I've been telling her that, though. I did it and my cum is fantastic. But all you have to do is just wait two days between nuts, nut and a cup, slurp it up in a thing. Yes, you can. We're not there yet. We're not there yet. No, no. Wait a day. Wait a day. I'm not going to have kids before. I'm saying we have, I mean, I'm just saying. He's talking about his nut, lady. My goodness. No, but I can't get a kid before 42, so I don't even know if it's good or not.

54:37Him waiting a day will not prevent that. So I can get my body done. Yet it will perfect me. What, does that help you convert people better? Yeah, no, but it's, I'm his playground for his entire life. You guys do speak in tongues, don't you? Yes, we do. I do not speak in tongues. I pray in tongues by myself. It's not beneficial to just speak in tongues in front of people like you or her or whoever. I speak in tongues only with the Lord because he downloads exactly the English word I'm saying. That is the spirit of you. That's the spirit of you. You know what you're saying? Not in that moment. No, only God knows.

55:03It is God speaking for you to himself. It's the spirit's connecting. Because he knows what you need to pray for. That is the spirit inside of you crying out. When you cry and weep. When you don't know what to say. Listen, shut it down. When you're overwhelmed. No, because you don't know. Because I know more of that. It's like God knows. Sometimes you don't know what to pray. You're like, oh my God, I'm so overwhelmed. There's so many people that I got to pray for. You speak in tongues. I stood down and brought this up. And he knows this. And so that's when he's like, I'm going to take care of it.

55:27Now, whenever I'm speaking in tongues, sometimes he downloads in English what I'm actually speaking. Great. He's an iPod. Got it. So then I'm like, thank you, God. That's exactly what I was thinking. So you're real. And you're cool. Anyways, moving on. Out. Audit. Aid. You read the Bible soon and you'll know the whole story. You don't think I've read the Bible? I'm sure you have. But then there's treasures and mysteries. I was born in America. I'm sure everyone's read the Bible. Exactly. That's not true. Well, not true. But some tells me you have. We'll see. Did you go to college? It depends there twice.

55:59Yes. Then you probably read the Bible in college, like for like philosophy or something. Okay. Well, no. Okay, cool. You never took that class? Like psychology, philosophy? They don't make you read the Bible in psychology. In philosophy, they do, brother. Maybe? I don't know. World religions. The study of world religion. So, I mean. I love learning about religion. It's fascinating. I love it. It is. But like the lady, specifically the lady would say, hey, you need to read from this passage of the Bible or this passage of the Muslim book or whatever. So that's why I said it. No, it's fine. I mean, I believe in God.

56:30I don't know. I've always struggled with it. I don't know if I attach myself to a certain religion, but I mean, you guys are a bit interesting. Yeah, we struggle too. Do you believe in Jesus though? Well, it kind of goes with the full package, but either way, you guys are - It doesn't go with the full package. It depends what package you're subscribing to. We don't have self-control. You show up to parks on MLK Boulevard where they scream at white people playing tennis. That's what happened once, by the way. Actually, we talked to everybody. And you try to convert them. We don't try to convert them.

56:57It's their choice. They just want to have a nice barbecue and yell at us playing tennis. In hindsight, though, we did pass out chips and drinks, and they loved that, and donuts. Listen, we're there to preach the gospel and give the word and tell them to forgive and repeat. If they want to come, which they all come, because they want to receive Jesus in the life they come. Were you there with the loudspeaker? Yes, sir. With microphones and everything. Hey, I sang a song. I love when people disturb the peace. I sang a song that I wrote I did too when I went to Miami I was like I want to go to these clubs And they're like oh god Jesus And I'm like oh my god It's all like Jesus like dude And it was annoying there too And it was crazy because I knew that I wouldn't Dude we went to a haunted house For a Hammer Elite stream the other day And there were people That I'm assuming are like you Outside protesting it Oh yeah And so that gets annoying Are you anti-Halloween?

57:37Yes I am Because the history behind it Is demonic Who gives a f*** We're dressing up as Are you lukewarm? says that God will spit you out of your mouth if you're neither hot or cold. Dude, it's fun. It's candy and costumes. Are you... No. It's Michael Myers. They kill... Michael Myers. The villain in the movie. You want to hear something funny, though? I love Chucky and all that stuff going on. We had a shitload of Halloween candy at my house because we did celebrate Halloween this year. Because it was his fault, and he wanted to do it. Halloween's fun. It's a kid's holiday. It is. And the kids got scared.

58:11Who cares what the... It's called Luke Worm. Even if the origin was... Which I don't even know. It doesn't even matter. Do you think people are celebrating the origin? Some people are. You don't know. Oh, I'm sure there's a couple weirdos that sit around a fireplace and like... Yeah, do witchcraft. Get all excited like you guys can afterwards with a gift that we're providing you. Oh, thanks. Yeah, give that to me. I'll play it when I was little, the Ouija board. What the f*** is that, bro? It's a Ouija board. I want you to communicate. Yeah, but anyways, we're not going to do that. Matt's actually going to go back to you and I touched it, so get your germaphobe thing out of my face.

58:39I'm not a germaphobe, but I don't like touching people I don't know. What the f*** is that, Caleb? You touch it? I don't know. Let me see that. It's a Luigi board. I'll put it when you're little. You can talk to spirits, whatever. But they're demons. This is like the Timu version, though. Yes. Are you that f***ing deep? Yes. You see the curls on the top of my head? We rebuke that in the name of Jesus, by the way. Absolutely. Amen. A game. So Halloween, candy and kids. You want to play games with God? He'll play games with God. Are we talking about finances or spirits? People just literally move it to f*** with each other, right?

59:08And it's literally a demon and a portal that opens up for you to, yeah. Keep cussing. We're trying our best to keep cussing. I'm not. You called it a Luigi board, if I'm not mistaken. No, Ouija. Ouija. O-U-I-J. It's not Luigi. I love Luigi, though. We do. Mario. Welcome to Mario Kart. Oh, wow. Okay. Oh, good. Yeah, that's great. Okay. Anyway. Just how much time are you committing to loudspeaker? You guys must have annoyed me when I was walking out of ACL, and you guys were sitting there just like, Oh, rap music is Satan Oh, no, we go hard for Jesus I know you do Yeah, yeah Yeah, I heard the white girl rap Oh, and the couple were annoyed But then they were like We know this because they know the word Because their grandfathers So you were there annoying me Yeah Yeah If you were annoyed by it Everyone was If you were touched by the Holy Spirit You would have came to me And you were the heck No, I was touched by audio I didn't consent to On streets that I was walking Here's the deal Here's the deal It's not for annoying people It's just to show people that hate Except it only annoys people Whatever God calls us to do No, yes it is Okay, no, but here's the deal.

1:00:14How come on Sunday there was people coming up to us and begging us to pray for them? How come there was a whole— Were they annoyed? Were they annoyed? They were already religious. They're already religious, dude. How come she has protesters? She's squirming and saying, Geneva, Geneva. She's tripping out, has demons in her. She's not safe. How was it not annoyed for LGBTQ? She was smoking meth. How does one become annoyed when they're begging for your help? Listen, watch this. Others that are annoyed that are trying to enjoy their day probably have relaxation in the park. Look at the park. It's beautiful.

1:00:42Probably that we get that. You don't go there, do you? Oh, yeah, we will. That big old dome. You go there, don't you? I have a whole team. No. It's literally a concert there. Yes, yes. ACL. ACL, last time there was actually... Do it. I will call the police on you. Go ahead. Actually, no, I will snipe you from my house. Oh, you don't know I'm the sniper of all snipers, bro. I'm the American sniper that was on that actual movie. No, if you are actually serving the peace from all the nice, peaceful children... No, it's a band that could be there at any time. We just have to book it. Oh, thank goodness.

1:01:10I can get HOA to not let you. Oh, yeah. You can try that. I got a lawyer, too. As a part of it. Yeah, I guarantee you my lawyer owns your lawyer every day. You wouldn't even know the day. Are y 'all in like a pitching contest right now? No, you literally wouldn't. I mean, I actually would. No, you wouldn't. Okay, anyways. I actually would. Okay, that's cool. And we would actually rule that out because God is sovereign and he's in control. I would say the HOA decides who goes. Exactly. And are you that HOA for houses, too? Okay. Hey, Wells Fargo card. What's going on with it? Is that the$1 ,500 one?

1:01:45Or just your car in general. Credit card I have. That's the only one I have ever had. And I got that because... Oh, it's over maxed out. Oh, yeah. Over maxed out. It is. By like 20 bucks or something. So, yeah. And I would do it again in a heartbeat because we kind of honeymooned on that. You went on a honeymoon on this? A little... I mean, well, like, we went on a honeymoon. A team of one. Where? You set up a loudspeaker? We actually went back home. In someone's neighborhood where they tried to have a good day. We actually went back to Crystal Beach and hung out with my dad. Yeah, yeah. Nice hotel.

1:02:16The beach. We had the kids with us too, so it wasn't like formal honeymoon. But like, and honestly, I had spent all my money on that. And then I got the credit card when I got back. And that's how we paid our bills. But it was for the honeymoon. You know, here's the interesting thing about that neighborhood. And we're bleeping the name of the neighborhood so we don't dox myself. But here's the interesting reality of it. Even though, you know, I believe in God. Okay, cool. I guarantee you because I know the voting demographics and everything in that neighborhood. No one there, including the HOA, actually.

1:02:44They're all atheists. They are never going to let you set up. You're destroyed. I don't care. No. Do it until they get out of there. Yeah, because security is patrolling 24 hours a day there. They will arrest you in five minutes. But we're controlling God's and controlling. What does that have to do with Wells Fargo? We are protected by God. If God calls us, we're protected. So we're going to do what the LGBT community does, right? In front, does. I've never seen them set up in this neighborhood. Dude, they just had a whole protest for the king thing or whatever. That was downtown in front of the Capitol.

1:03:13That's where people protest every day. Exactly. I can go to the Capricorn protests too. Yes, you can. We expect that. Not in a nice, peaceful neighborhood. I don't care. Well, you should because you're being a dick. Okay, that's cool. I am a dick. But the thing is, is that - Great. Why embrace being a piece of shit that ruins everyone else's life and community? If God calls me to go to that place and preach the gospel - You're just wanting to do it and you're using that as an enablement to do so. No, God uses me and when I am called, I go. And so wherever he calls me to go, I'll go because of stuff.

1:03:41Bro, you named that neighborhood. He told me to go wherever I need to go. I named that neighborhood. I'm not going to go there all the time. Wherever I need to go, I go, and someone will hear. He wants me to go there because he knows someone's going to be saved in that date, period. I am glad that we are able to tell the security of that neighborhood that if they see a person's face that they have on their phone to kick them out. That's hilarious. So we will make sure we implement that. I'll put a wig on, and you won't even know it's me. They will hear you. Okay, well, I will talk about it. Trust me.

1:04:08I got so many voices. I can literally be the country or... Oh, that did not change anything. Okay, your minimum payment is$25. Why are you over the limit? Say that one more time. Your minimum payment is$25. Why are you over the limit? I couldn't tell you why I'm over the limit. Because they let me? I don't know. My last person... You spent it all. No, I spent it all. I'd say it's because you weren't making your payment for a second and the interest pushed it above the limit. He did miss my payment. I'm 76 back now. What? You did... Because I... Huh? Huh? What does that mean? You didn't let me finish.

1:04:42I don't know what that means. He's making payments on the... I'm 76 back? I'm$76 behind in my payment. My payment is$14. I missed two months. What happened? She lost her job. Lost? You got fired? Well, no. She quit from the... Whatever happened. I don't know what happened. What'd you... It was... I lived in... Why? Because you were being a slave? She didn't want me to go to my wedding on the day that I went... So not only are you not a productive member of society, Do you go ruin the neighborhoods of those who are? I have a serious question because I'm really trying to figure something out here.

1:05:12So she loses her job. I barely make enough money to pay the bills and pay my rent. What do I do? Do I pay my bills and my rent or do I pay my credit card? I'm not complaining about that. I'm asking you. Always roof over head. Okay, thank you. But I'm complaining about her losing her job and calling herself a slave for something she agreed to. Yeah, I don't give a damn if there's a **** that's going to **** me over. Oh, ****. So seven times in ten months? She even F'd me over because she was like, oh, you should get with this guy. He has like 18 months. He has this much money. Seven times in 18 months.

1:05:42I mean, I'm with him. At the same time, it's whatever. I'm not taking nobody's shit, period, because I have this and I have another thing. Have you ever been on government benefits? Yeah. Let's make sure that never happens again because she is choosing this. I am Republican, so no, I won't be. But when I have to be, I will be. Knowledge. Unemployment, food stamps, blah, blah, blah. And I go to food branches too. But after this. Governor Abbott, if you are listening, make sure she is never able to qualify for any benefit again because one, she probably never pays into the system. Two, she chooses to leave.

1:06:10She chooses the life that she lives. Now you're just being a little crazy. What? She leaves jobs every couple months. And I agree with that, but also at the same time, she goes and gets another one. Yeah, for what it's worth, paying$28, no income tax state, she doesn't pay into the system. Whatever taxes she contributes are so beyond minimal. She gets more than she gives. I barely started getting that again. Including from federal. Especially with all your kids, you get way more than you've ever contributed. She doesn't claim them. because I only claim one. Even still, with your income, you likely get more.

1:06:45With standard deduction plus child tax credit, listen, you're a part of the population that, and I'm not complaining about this, but if we're being real, only contributes 1 % of the income tax in this country. The bottom 50 % of earners. Now that's fine. That's progressive. That's okay. But don't complain about it. Don't complain that you're paying taxes. Don't complain. Oh, you shouldn't get the benefit though. So you are not paying into the system and you choose to quit. Now, if you get fired and you lose and you're paying into the system, then yes, get it. Because I want you and your kid to be good.

1:07:12I want you guys to be good. But if you're leaving jobs every couple months, f*** you. I agree. Well, f*** her. I agree. For being a bitch and saying, oh, when I'm in love with my man to marry this guy that came in with billions of dollars, that's, what about you leave your man? He's FBI, but you're with him because he's ugly as f***. He's an FBI agent. So you're going to be a f***ing goat digger? I'm not a goat digger, sorry. I could have had that billions and times, but I'd rather be in love than be with an ugly-ass, old-ass, Hugh Hefner-looking-ass, bunny-ass b**** inside of a mansion. He was dead.

1:07:42Yeah, well, he's dead now, but he had the whole nine yard back in the day. And that's not me. I'm the real Hugh Hefner. No, okay, yeah. Well, I was going to say that. I forgot his name. Anyways, okay. Okay. Well, I just had purchases or balance transfers at 630. $630. I was joking. What does that mean? I didn't even hear what you said. Wait, what? I had purchases or balance transfer of$630.01. What the f***? What is that? I was hoping you'd tell me. Where are you pulling that from, I'm asking? The statement of your card that we're talking about. That probably went to bills. That was for bills.

1:08:21Oh. Let's see. Can I see it? Yeah, I went to Dairy Queen stopping in the gas station and getting something. Stopping in the gas station and getting some bullshit. Stopping in the gas station and getting some bullshit. Top notch. The restaurant, Whataburger, and built rewards card. Right. And then, actually gas once, potentially groceries once, and then internet once. Other than that, it was all bullshit. Hey, when you stop at the gas station and you get something for a few bucks, what are you getting? It's not a few bucks. It's like 40 bucks. No. No, no, no, no, no. That would be gas. When he stops in and gets something for$5.92.

1:08:52I'm usually on my lunch. What are you getting, though? Energy drink. Well, stop it. Listen, okay. I have to do this every single time. Do you go to Starbucks or do you make coffee at home? I make coffee at home. There you go because that saves money. I make instant coffee. Well, you don't need to do that, but here's the thing. You're now making instant energy drinks. This is 25 cents a serving. Gamer Supps, it is so good. And it tastes better. I guarantee you. We did a blind taste test and it tastes better. It is so good. 10 % off. Walk a bully fart? Yeah, it's very goony. 10 % off. Link in the description below.

1:09:25Use code Caleb or get the free samples just like this. Free samples to see which one you like. Make your energy drinks at home for 25 cents a serving. Instead of this bullshit, stop into the gas station, get into bullshit. 25 cents a serving, 10 % off link in the description below. That's your future. A lot of the times, too, just to be honest, I'll go to the gas station because I'm bored. Get a hobby. I have hobbies, but I'm saying instead of sitting in my car. Because I will bring my lunch most of the time. She'll pack my lunch or whatever. That's good. But I'll just go to the store just to f*** off on my lunch break.

1:09:57Through a park. Walk. Truth. Yeah. But at the same time. Make your energy drink, dude. 25 cents to serve you. Yeah, no, I agree. You cannot afford this and it'll push you above the limit. You're stopping it and getting into bullshit endlessly. Yeah. Listen, and I'll set you guys up with the Fizz card because you want a card that builds credit, right? Right. But at least that acts as a debit card. You can't spend more of this in your checking account because this unlimited ability to spend is f***ing you. So it's meant for people like you. It's okay to not be a credit card person. You don't need to have one.

1:10:27It is not like a woo, yay. Like you don't need to. Who cares? Yeah, we just want credit to be able to, yeah. Now you have debts to other people. Oh, you both do actually. So James, you owe$2 ,600 to someone. What? What is this? He paid by rent last month. And like we don't, let's not do names, but like what's the relationship? No names. We believed it. What's the relationship? I met him on the neighbor's app and he. So it's a neighbor. I work for him. So this is an employer? Through the neighbor's app. He needs, like, he bought a whole toy store inventory, and he has it in these. You get gigs from the neighbor's app.

1:11:04Listen, shush. He has it in these storage units, and that's what, he's, like, selling it. So I go and help him move shit. Now, why the fuck do you owe him$2 ,600? He paid my rent last month. Oh, why would he even do that? He loves him. Because he told me that, because I'm like, you haven't, like, he told me when I first started working for him like I've been where you're at you're a hard worker he's like and people have helped me out and so that's why I'm helping you out the way that I am because he would always overpay me I'm like are you sure man and so he's like now when you get on your feet and you're able to help other people it's your turn so that's the only reason I even felt that's nice and kind that's the only reason I felt comfortable enough to ask him we ain't baring for people period but when it's crunch time and we do bad things what was I supposed to do though to get this way I mean, he could have said no.

1:11:51We have lifelines. And when you said you will never lose your house, here's how close you are, barring someone. We were. The moment, no, no, no, and still are. And you will leave this job. No way you don't. Come on, batting average, let's go. You have no idea who I work with now. So here's the reality. I don't give a f***. It doesn't matter who. Here's the reality. This is how close you were. And it only takes so many times until people will not lend you money. Then we're talking payday loans. Then you're not even able to do that. And then you're gone. Then you're done. You're closer than you think.

1:12:18And the fact that you don't know that roof trying to bring three more? No, that's why we're here. That's why we're here. Well, then tell me everything! You tit! How can I give shit if I do not know the full picture, you fuck? Tits, because it's two. I don't have one. But anyways, the thing is, if we were to do that, I mean, it's crutch time. We'll move in with the sister. We'll do what we have to do. Move in with the sister. I don't want to do that, but whatever we have to do to keep it flat, we will. Yeah, get enabled by that. Shout out, by the way. Yeah, and... Yeah, anyways, so when it's crunch time...

1:12:52And what does sister think about this? That she is the backup plan. She probably... She's not a backup plan, and she probably would tell me no. Good. But at the same time, no, because that's how she is. Well, you spent 18 % of your income on literal going out to eat, and what was it, 60 % on miscellaneous bullshit outside of that? So minimum about 80 % of your income was spent on bullshit last month. Good. I hope she says no. You need to learn your damn lesson. I know You want us under a tent Over there at HOA I'm gonna park it right there You're a Republican Isn't that personal response To the court Well now Because they changed the laws But yeah I will literally put a tent Just for you Since you're trying to like Say you're What are you talking about I don't know He wants us to budget And pay our bills And save money No he's saying His sister says no If something happens He's saying enabling is wrong Yes Right I know that But I'm just saying Because you said that I will literally put a tent Right under But here's the deal Can I see something, Caleb?

1:13:48I'll leave. Babe, can I see something? Yeah, sure. You asked for it, and I'm delivering a way to connect the dots to see how the stuff we talk about applies to you, your money, your debt, and your goals. The wait is over because Master Your Money, my all-in-one personal finance platform, is finally live. Inside, you'll get access to all of my courses, budgeting templates, calculators, a community of like-minded budgeters, exclusive content, weekly tips, and free access to the DollarWise Premium budgeting app. Learn everything from budgeting to investing, tune in weekly for Behind the Budget, a Master Your Money exclusive, and join members' monthly challenges to celebrate your wins.

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1:15:34So I don't see that as a wrong thing. It's just like an eye-opening thing. But it is wrong because we shouldn't barb with people. We should be able to manage our money. I understand. Should I be able to? You should not to. Shut the fuck up. Do you owe money to a minimum payment to this guy? I'm going to pay it out through work. But he said— So is there an agreed-upon minimum monthly or like what is it? No, no, like I'm going to pay it out through work. What did he tell you? He told me. And he told me that at the end of the day. He's like his son. Like, because, look, look, I tried to establish.

1:15:59But we are integrity. Hold on, man. Let me talk. No, but he said we don't have to pay it back, but we are because we are those people. Shut your mouth. Okay, I'll shut up. His turn. I tried to set up. They're both on the show. Shut up. God bless. I tried to set up a monthly or weekly plan to pay him cash, and he absolutely said no. We'll just pay it through work. Okay. Through work. So you doing labor. For him, yes. Okay. So it's a long-term gig with him that I'm going to pay it back throughout my time. You owe someone$500. What's your relationship? That is my grandmother. Okay. Why did you do this in one?

1:16:35She bonded me out of jail. Um, probably... What was that? It wasn't that long ago. I mean, a couple months ago. You went back to jail? Yeah, we're not going to talk about... No, no, no, no, no, no. Why'd you go back to jail? I was drunk and disorderly. And I didn't f*** with your... I don't know that. You're still in court for it. I don't know, bro. You're in court for it. I got court on the 17th. It's going to be dismissed. Why? I have a good lawyer, and he said 99 % dismissal on the charge that I have. That's his rate. Public defender? He is a pro bono, but at the same time, that's not what he really is.

1:17:09I got a good pick. I got blessed on that. He said that— And you wanted to think your lawyers were going to be better than mine. He will do what I say, and I've already won a case before. Oh, do what you're saying? Good. That's a horrible lawyer. She doesn't even have a f***ing lawyer. It's Keith Taniguchi by the way Shout out to Keith He's an amazing lawyer Anyway Anyway look him up He's cool He's Chinese Okay so$500 to my grandmother She bonded me out We did agree like That I was gonna pay her But then again She lost her job and stuff And so I Your grandmother lost her job No she lost her job And I wasn't able My grandmother My grandmother is retired But Here's the deal We're fixing to pay off our phones And my grandmother's phone just broke So I'm gonna give her my phone for the$500 Why'd you go into drinking?

1:17:51What happened? It was a one weekend thing and I... Well, actually it was two weekends in a row. What fell you into this? Her ex-husband came to my house on her son's birthday and got hammered drunk and I beat him the fuck up. And then the next weekend I was like, oh, this sounds fun. Let's do it again. And he loves to fight. Why are you accepting drinks? Knowing your addictive personality. I'm no longer doing that. I know, but it was a few months ago. Because this dude was trying to bully me in my house. So I got on his level so I could get on his level. I don't know. It was a stupid mistake. But at the same time, I wouldn't take it back.

1:18:23He's an idiot. He likes to fight. Yeah. So is there agreed upon minimum to grandmother or what does this look like? I already paid some of it back. But when she lost her job, I wasn't able to do that or I would have missed my rent. My grandmother just wants it back as soon as possible. I agree. Okay. Who do you owe$1 ,800 to? That's my brother. For what? He took care of me the whole time I was in prison. Is there agreed upon minimum monthly payment? Absolutely not. I mean, he's a f***ing... He fell off the wagon now. He was nine years sober now. No, no, no, no. Yeah, so he lost his job. He was making f***ing...

1:18:56No, no. Mm-hmm. I know. I don't know what this means. Sorry, brother. Anyway, it's... It means a lot. Yeah, because you roll it. Yeah, because it... You roll... We're not going to get into... I'm sorry. I don't want to go down to this. You can smoke it. You can smoke it. You can shoot it. I've just never seen this before, so I do that now. Yeah, yeah. The s*** smokes when it hits the cool glass, So you heat it up and then you put it on the cool glass. Okay. Yeah. See, that's what worries me. Don't ask questions if you don't want to know the answer. No, no, no. It's okay. I just don't want you to be thinking about it all the time.

1:19:24I don't know how it works. I don't. Look at, I think about her. That's it. Whatever. That's what we're here. But the fact that he went from eight years sober to getting. Ten. No, no. And that's what I want. Sorry. I just don't want you to, I don't want you to go down these benders on a weekend basis because what if drunk you accidentally picks up a pipe? But here's the deal. Exactly. My whole life, the examples I was given is what not to do. And some things I did not take heed to. But by him doing that, he's teaching me a lesson in itself. So is he a f***er? Yeah, no. Dude, he's a journeyman plumber.

1:19:57He was making like$40 an hour. They bought him a whole set of trucks and tools and everything. He had everything he wanted, insurance. He just got a mortgage with his wife and he f***ed burned off. And he wrecked his truck when he burned off. he's been asking me for money no details, we don't want to dox him he's been asking me for money and stuff and I have done it I had done it because dude it's my brother and I don't care if he buys a cheeseburger or if he buys a 20 sack it's my brother and I love him so everybody else has cut him off as far as my sister and his wife what's his way back? his way back is to go home, his wife loves him he might want to, he was 10 years sober I hope so, it was an accident right?

1:20:38that. Like, I assume there's a bigger... He has mental health issues, and they put him on Adderall. He started abusing his Adderall. They put an addict on Adderall. Listen, though, he went in there and told him everything. I'm a addict, my parents are a addict, put him on Adderall. He started abusing his Adderall, and that's what took him to the place that he's at. That's insane. He also moved in a friend into his house that he didn't know was on drugs, and he was getting it ordered in through the mail. Exactly. Yeah, shoot him. Kill him. Plus my mother dying. He doesn't know how to deal with shit like that.

1:21:05Yeah, that's hard. That's where we gotta I keep extra caution around, you know, people with addictive issues, obviously. But, like, me and him are two totally different people. But my goodness, the fucking Adderall thing's insane. I agree. I'm surprised he even, like, accepted it. No, well, like, I mean, when you're down, I don't, I've never been in the place where his mind is because he doesn't process shit the same way. But Adderall, I mean, it's like, fuck. No, it's, Adderall is the most purest form of meth you can get. Trust me. Moving on. Forget that. So, no, no minimum payments to him. Yeah, never.

1:21:37Because that would be bad. Yeah, definitely. But like, you owe$5 ,000 to someone. Who? My mother, because I needed a Camaro, because I had a car that wrote down my sister. And I wanted it. And I wanted that. But you wanted it! Because it's fast, and I'm a fast driver, and I want to be in the woods somewhere and go like 200 miles an hour. I hope next time you're racing somewhere to set up a speaker in a peaceful neighborhood, you crash into a tree. Heck yeah. I rebuke that. Because I don't die. I love it. I rebuke that too. Yeah, me too. Me too. It's okay, but I love adrenaline, and I will literally get on every ride skydiving in the world, and I don't care.

1:22:07So your mother gave you$5 ,000 for you to be a selfish cunt. Heck yeah. Okay. Great. So that's wonderful. She loves me and I love her and I'm her favorite. Sorry about that, sister. She does? You're her favorite? She is. But she does. Be quiet. Let's not keep going with the favorites. They might see that they can get upset. They know. No, but she's everyone. Where possibly are you anyone's favorite? Her mother enables both her and her youngest. Has been for years. Do you have an agreed upon minimum repayment with mom? Nope she doesn't care when I pay her Of course that's great and this speaks to why you are Where you are today But I do have notes that she's on my list to pay her Because I don't care if she says no I'm still gonna do it Because that's the person that I am Are all your kids black?

1:22:50No just the last one Half and half I just saw on there Which is not a bad thing I just didn't want you fulfilling stereotypes No this is my man right here No gorgeous kid My other kids are super white We're not race judging I'm Irish and Hawaiian and I want this baby so yeah I was just curious if you went to literally the whitest man possible because of I'm just saying because yeah I love it so$5 ,000 you owe to someone else too what is that for? that's for a car yeah my car that I have now the father of my daughter not the Camaro? she doesn't have the Camaro I put that back my daughter didn't fit in the front so you owe$5 ,000 to your mom for a car you don't even have and now we have another$5 ,000 for a different car that you do have and guess what that$5 ,000 doesn't even have my credit which is crazy what are you showing him?

1:23:34No, because my daughter, my... Not that daughter. Yes, this daughter did not fit in the car seat of the Camaro. It's a Camaro! It's not a motherly car. I had to get another car, cash car. My daughter's dad will never leave me in the streets and will never let me be without a car. That's her first daughter. Yeah, but he is a nice guy, so he's like, here,$5 ,000. She thought this was for a French Bulldog. Oh, I have that one, too, but there's another$5 ,000, right? There should be$5 ,000. She didn't borrow money for the Frenchie. She put her gold... That I got. Huh? Wait, you what? You pawned your dog?

1:24:07No, she pawned her gold to pay for the dog. She borrowed$5 ,000 to pay for a car two times. Okay, so who do you owe this$5 ,000 to? My daughter's dad because he paid it so that I can have a car. That was just like three months ago. And an income tax. This just happened? Yes, bro. And I give it to him when I give my income tax. I will pay it all off. When you get your income tax as in the check that I write. That's great. All right, cool. I'm so happy we're doing this. I'm so happy our society is like this. You know, by the way, fun fact for all of you out there, even the most progressive European countries have a less progressive income tax system than we have in the United States.

1:24:45They just have value-added taxes. That's how they pay for everything, which is basically a flat tax, which would impact people like you more than anything. So we are subsidizing them, her, and the choices she makes more than any other European country.

1:25:00Well done, us. All that went over my fucking head. Anyways, next question. I don't even care. Dude, when I pay for taxes, I'm like, oh, you know, I don't really care. I love this country. But then when I see this, I'm just like, what are we doing? Okay, baby daddy,$5 ,000. Huh? You're going to fix it? Huh? Hey, what? Huh? Anyways, we're here to fix it. You owe him a minimum monthly payment. I don't owe him no minimum monthly payment. Well, that shit. Okay, why are you defensive? Okay. And then you owe$50 to who? I'm going to be broke. You owe$50 to who, lady? My brother, I needed something because I spent money on something, and I was like, I need to just survive until Friday.

1:25:38What was it for? Oh, actually, my sister F'd me over, and so she owed me 50, and he was like, I'm going to pay that so you can have your money back. And so that's what, yeah, because he's my brother. Okay, who do you owe$3 ,000 to? That was from a long time ago. For the rent. Oh, yeah, when I was like 18. So two rents. Two rents are owed currently. Okay, one from a neighbor. That was from when she was 18. Do you still owe it or not? Yes. Yeah, of course. Well, there you go, so it counts. It does count. And I love her. And she's so sweet. She bought me a friend's one. We're going to talk soon. Balance?

1:26:08I'm Gusto. Gusto's a payroll service. I know. Why is there a balance? I have a spending account that I borrowed through. The Gusto? Yeah. Yeah, they opened that up. It was new. You want to see it? Oh, you owe a babysitter 100 bucks as well. For f***ing sake. You want to see it? Do I want to see your Gusto account? Yeah. No, dude. It's really cool, actually. I'm okay. All right. Well, don't ask about it. Babysitter 100. Listen, dude, I'll get you a course. I'll get both of you course career certifications so you can actually go get like higher paying real career jobs. You just have to actually stick with one.

1:26:38People in our audience have used them. They've increased their income. They've gotten better jobs. I will do that for you. I think that's why I'm here. Thank you so much. That's awesome. What? Career? Yeah, like I just felt opportunity from this. You want to be on a boat though. But it doesn't matter at the same time. You're here because you saw a place to apply and you clicked it. I saw opportunity though. Yeah, there's opportunity and I hope you guys get your shit together and we'll give you a lot of free things. All of our classes, everything. Certifications and a lot of shit. But if you don't follow a budget, if you guys don't actually do shit, then there's no point of anything.

1:27:09Oh my gosh! In your payroll spending account, we got Transfer Transfer. Going and getting some bull... Dreamers Lost Amigos Restroom. Hey, he wants fun in the... Come on, man. What is it? What are we talking about? It's a novelty store. What? What is? Dreamers. Sex store? Novelty store Novelty store Hey Oh my god We can have Dress up time Am I criticizing I'm asking what it is Yeah I just told you It's a novelty store Yes Okay it's a sex shop A novelty store You're asking if you know what it is Well one you can't afford it You fuck Who cares Huh Who cares Who cares Get the fuck off my show If you don't care Well don't go to strip clubs If you want to see some crazy shit Huh What I don't know Did you go to a strip club Yeah I hate strip clubs I've never I've been to a strip club one time and it smelled like armpit.

1:28:00I like strip clubs. I've learned. They're fun. It's your problem. Okay, but guess what? I think that's what she was trying to say. That's how when my body gets done, I can get the pool in the garage. Yeah. I don't want to go to that club. Okay, you don't need to. You're not invited. I'm his playground. I'm taken. Taco Moore. ATMV out of network. Going in and getting some bulls**t. McDonald's, Apple Cash, Apple Cash. Transfers, Apple Cash, transfers. To me, to me, to me. Transfers, transfers. Great. He's transferring like$450 at a time. Yeah, because of your bills. If I transfer$450, I think the one that says$450 is when I actually borrow the money.

1:28:37It charges me$450 to transfer. I got you. Okay, Sonic. Oh, so you're paying fees up the dick. That's great. Sonic Drive-In. And I mean, I have to ask you this because you use this as an excuse for you guys to do everything that is bad for everyone else around you. But did you hear a little message to do this? Hey, f*** your life. No, never. Maybe from her. I don't know. Because I get it together and we're like, okay, what, baby? I want this. Sure. She does it a lot. Like, in the middle. Like, no, I'm not going to blame it on her. Bullshit. Apple cash, apple cash, apple cash. Energy drinks, apple cash, apple cash.

1:29:11Bullshit, bullshit, bullshit. F*** off fees. Nails, lashes, nails, lashes. Uh-huh. So you owe through this payroll service, and it's going to be revolving, I assume, but currently$291. Better not. Yeah. No, it's not. We need to quit the revolving gusto stuff. No, it's going to be hard to do that though right now. Listen to me. We're doing this. He's going to help us. No, I don't fix shit. I give you a budget, but if you actually do it, it's up to you. He's not gonna. Then why am I sitting here? That's not the truth. She doesn't know what the fuck I'm here for. Okay, all right. What? Tell me. Dude, I wouldn't have came here if I was going to take your fucking advice.

1:29:54I hope so. Why is she saying this? Exactly. I don't want to keep on borrowing from Gusto. Dude. You just get paid. Story, if I don't get a better job or get this. You have to do it. Yeah. Listen, I'll be real with you. Doesn't even matter. Because even with the income you brought in, you spent 78 % of it on bullshit. So go quadruple your income. You'll still spend 78 % of it on bullshit. Because that's your behavior. Your income is not a solving. For me to not borrow, I'm going to have to make more money a week. Yeah, that'll be a part of it, but also not blowing 80 % of your money on bullshit.

1:30:31You're just taking in for the last month when she didn't have a f***ing job. And so, like, before that, all my money was going to bills and shit. If you look at my other statements. Not with as many payments that we've had this year so far. Lots of transfers from this other account were overdue on... What is this? A firm or something? No, that's Cash App. Cash App, you're overdue on Cash App? You're overdue. What do you mean overdue on Cash App? You owe Cash App money. You're doing the revolving thing too You tit Exactly I don't even know Tits That's your cash app How much you know I didn't know I owed cash app What is wrong $5 or what That's all I see What do you see $308.68 Oh yeah that's true I borrowed Yeah Yeah yeah yeah And I lost my job So I get direct deposit So usually direct deposit For Roku and Apple And some other shit Oh f*** What are we doing What is this That's me sending her money Lovey bird, yeah, that's me.

1:31:26Okay, so you sent her money for some bullshit, going in and some bullshit, some McDonald's, some bullshit, bullshit, bullshit. We're just bullshitters. Lovely bird, lovely bird. What's lovely bird? That's her. My mom, we were really being lovey birds. Bullshit, bullshit, bullshit. Oh, this is just so stupid. Bullshit McDonald's, going in and some bullshit. She's just giggling about everything. I'm losing hope here. Oh, what is this, collection? That's her, not me. Oh, yeah. You have collections? Yes, only$8 ,000. I'm so glad my taxes are going to you. Oh, thank you. And guess what? It used to be like way more than that, but seven years it drops off.

1:31:58So I was like, thank God. Do you even give a fuck about this? I did actually call the$1 ,000 one. Do you now? Yes, I do. I've always cared. And I know I actually do that by myself. Why do you have so much in collections? This is crazy. That isn't even half of what I used to have. So I'm actually doing better. I'm asking why you have it. Can you listen to a question? Because I haven't called them and actually. No, what made you get into them in the first place? He's saying, what is the bet on? Well, I don't know what that one is really, but. The$1 ,000 ones, I do know, which I don't know where the$1 ,000 one is.

1:32:26Anyways. Dude, she got like it's apartments. No, it's not even evicted, but I got a penalty because I left three bags of trash and I couldn't renew my lease because my daughters had her friends over and they were stealing in the apartment complex, but they're not my kids, but they came out of my apartment. So I had a violation, so I couldn't renew my lease. So I had to move. And so I left three bags of trash and they charged me a thousand. Jefferson Systems. Oh, these were my daughter's braces. Lost my job. so I couldn't pay anymore. People should never lend you money. Yeah, okay. And then I see systems.

1:32:56You owe$8 ,050 in collections. Exactly. That's way better than$25 ,000. Yeah, great. So that makes it okay. Shut the fuck up. Does it? I will. Not.

1:33:08Oh, what are you? His wife. She's nuts. Poor man. She's very nuts. You love me. I do love you very much. I'm going to love you. But that doesn't excuse the fact that you are nuts. I don't care I know I am nuts and I know it and I own it and I accept it and I love it this is gonna keep you sober? this is not the I haven't had a problem yet really 59 cents in someone's checking account that's hers probably oh you're getting some bullshit my shit's negative some bullshit ATM withdraw my shit's negative no I got$5 and actually I haven't used it in my Wells Fargo the account my checking account for Wells Fargo is negative because I well it probably is now but it was 194th us and you're getting Etsy, Apple Cash Apple Cash, Only Cloud Smokes Sesh, Starbucks, Apple Cash, Santa Rita, Canteen or something, selling our money, McDonald's, Melrose, Apple Cash, going bullshit, bullshit, bullshit.

1:34:00Apple Cash, El Taco Rito, Sonic, Taco, this is hers? Taco Palenque, Taco Palenque, stop eating some bullshit. You didn't have a job while you were doing this, you cunt. I had a buddy in my account and I was hungry. Subs, subs, Golden Chick, Urban Beauty. Am I starving? Eventually. $25 is your minimum payment because everything else is just f***ing stupid and owed to people. Just absolutely insane. Family.

1:34:28Rent, utilities, all that combined, what's your average payment that happens? On rent? No, average on utilities It's over two bands. Yeah. Because like our light bill's three, then the Wi-Fi, and then the phone bill. All the little cheap things. I don't know if you're counting on it. Excuse me. Yes, sir. Can you stand up? Sure. All the way? Yes. All right, okay. Get the f*** out of my studio. Really? Yes, you're too annoying to have a conversation with. I am not kidding. I want to make him a budget and I hope it works. No, she's gone. Here, babe. I cannot, I can't have a conversation with her.

1:35:03I want you to have a budget and you can communicate this to her or she can watch this back. I'll bring her back for the post show. Yeah. So 2 ,000 is average. Yeah? Yeah. Hold on, that kind of mixed me up. For rent, utilities, and all that good stuff? Can I just explain it out like how I can explain it? So$1 ,600 for the rent, then you got the light bill is going to be three-something, maybe a little lower, maybe a little higher. So I would say about$22, man,$22,$23. Okay, does that include internet? That does include internet because we have a bundle with our thing that makes it$25. Phone bill?

1:35:40Phone bill is a$200. Oh, my gosh. Okay, I would definitely do helium. Once your phone is paid off, it's just a third-party phone service that is the same towers as T-Mobile. The phone bills have to be paid off. That's what I was doing before. Good. I was going through Telo, though. It was$25. And you need to advocate for yourself. Helium, I think, is$15. I do, but you see what happens. Exactly, which is why.

1:36:06I honestly, I'm so sorry to tell you, I do not have hope here. I really don't. I have to be honest. I agree, but... It's because of this. Well... Okay, gas, room, drive, drive, both of you guys combined. When we had two cars, because we don't now, I was spending 50 a week, she was spending 50 a week. But now that we're carpooling, it's still 50 a week, but just one set. So I guess, what's that, 200 a month. Okay, 200. Car insurance?

1:36:38Car insurance? Fernando pays that, to be honest. Who's that? That's her first baby dad. Her first baby daddy pays it. Can you come to the mic, please? It's because the car is in his name. Okay, that's okay. Oh, fucking weird. Okay, groceries. This is you two and one kid, right? Right. Okay, you can do... How old's the kid? Two. She'll be three in February. I'll do$6.50. You're meal prepping. You're warming up meals. You're following the budgeting thing and the budgeting. You're using the meal plan that comes with the budget course that you get for free and use the budget from the cookbook to cook them as well.

1:37:13TP Fun, anything else you and the kids need? $175, medical, health care. Anything, any co-pays on a monthly basis?

1:37:22No, neither one of us have any type of insurance right now, and I've never had insurance, but, like, she'll get it through her job, but I don't know how much that'll be, and it has to be after 90 days, and then you know what happens there. Is there a gym? We have a gym at our apartment complex. Okay, good. Subscriptions, I'll try$40. Do you have any pets? Two pets, great parentese. Ages and health Five and three One has heartworms Super bad But I inherited him From my mother man What do I do Hundred dollars in pet insurance You get that And you get him taken care of Right Cause you can't afford shit Hundred dollars for pet insurance How much for pet food Uh We just got the other dog So double it I mean Probably fifty Okay Anything else that needs to be In this budget That I have not put in there Um This is a minimum survival budget Yeah I understand What about like, I need to fix my car.

1:38:15Does that go in there? Well, that's kind of in the TP fund. It's anything else you need to survive. It's tampons, it's whatever. So I put in$175, and you just put that towards it on a monthly basis. Let's see if we have anything left over. Okay, we technically do. If our income is$4 ,000, if you follow this minimum survival budget, which is a hard budget, I'll be honest, you still get$385 left on a minimum monthly basis, okay? So with that, you might have to put that towards your car one or two months. Yeah. But that gives us the ability to take that and throw it to debt outside of when we need to take care of the car.

1:38:47And honestly, the only debt I need you to take care of is the Wells Fargo's, the emergency, and Wells Fargo is$15 ,14 ,85,$3.85. You pay that off in just four months. That's fine. Get a one-month emergency fund before that. So what you need is this$3 ,700 saved up. Nah, shit. Okay, maybe let's pay off the Wells Fargo first, then a one-month emergency fund. Can you elaborate on the one month? Yeah, it's what you need to survive for one month, which is what? $3 ,700. Oh, so that way I don't have to borrow from that man. Yeah,$3 ,700 is what you need. Then you pay off your Wells Fargo. That gets rid of your$25 minimum payment.

1:39:22Close it because you shouldn't have access to debt. And then other than that, listen, the weird thing with this debt that you owe back, it's weird. Collections, we can just leave them for now. We can negotiate them at some point. Paying people back, we want to do it. But I would just do it low and steady and make sure you guys are actually just putting money towards savings until you have just about, honestly,$22 ,000 in savings because that is a fully funded six-month emergency fund. So there's no more freaking out when people lose jobs. What we're doing outside of that is, yes, you are hyper-focusing on a new career.

1:39:53I love this towboat thing. And maybe you can fund that with this extra money. Listen, if it goes towards funding that instead of paying off the Wells Fargo, I would even prefer that. But there is no point of you going and getting a new income and a better income if we do not learn our behavior. Your behavior needs to, at minimum, follow this budget strictly as a householder, which means her on board for a couple months before we start making any big moves. Because then if you bring in more income, you're going to end up in a worse spot. Yeah. But use that money. Get a one-month emergency fund.

1:40:25Pay us the Wells Fargo card. Get that certification or whatever it is that you need for the towboat. Do the towboat thing. your guys' income will double. And then with that, we start stuffing money aside to get$22 ,000 in an emergency fund. Then we start paying off these individuals, highest priority first. You determine that based on relationship and who needs their money. And then from there, we start making sure we're at least contributing 20 % to investing on a monthly basis. But that's going to be a couple years down the road at that point because you're going to be paying off people for a couple years.

1:40:55And that's okay because you don't need to rush that hyper. I need you to get that fully funded emergency fund first. And that's going to take a little bit of time. When you double your income, that will help. There's no point in doubling your income if right now you do not follow this budget together, locked in, appropriate communication for at least a couple months proving you can do it, okay? All right. So that's what I think. I agree. But like nobody's ever sat down and explained this to me because my parents were horrible. Yeah, and that's okay. So that's why I'm here. I agree. So this right here, I'm going to follow that.

1:41:23I hope so. But she needs to as well. And here's what I recommend. But if I can follow that in my own account and do my own accord, and hopefully she'll just follow it. Because apart, listen, the vast majority of the income right now is actually coming from her. I know that. So we can't do this unless we're not combining it on the same page and our relationship will not last and we shouldn't even have kids if we can't do this as a combined goal. So next step that I recommend right after this, and no one likes classes, but we have five classes. I love classes. However, I need you to take them together, take the quizzes together, the debt class and the budgeting class.

1:41:58Budgeting class first, then the debt class. I need you to take those two. Eventually, you guys will do the real estate investing, all those courses, but you need to take those so you guys learn your debt skills, what's good debt, what's bad debt, what debt you should pay off, what kind of debt you should take, and budgeting. It is a nitty-gritty multi-hour how you budget and build it for your life. Take it, go through it together, and see if you guys can be aligned, okay? How much does that cost? It's free for you. It's free for you. How do I schedule that? No, we'll send you an email. Okay, cool.

1:42:27Yeah, you get full access to everything, including dollar-wise, premium, course career certifications, FizCard, Helium, all that goes on. Everything, we give it to you. So you have all the tools. Now, it is your choices to take the tools and do what you want with them. I just hope it's for the best. The way that I see it, Caleb, is... And I know that you don't have this hope, but I think that I can make... You have the hope. I think I can make her do anything that I do. I hope so. We'll talk about that in the post show. That's what we're going to go do right now. But let's get the Hammer Financial Score first.

1:43:00What's the post show? Oh, it's an extra 20 minutes. And we're going to bring her in and the producers. And we're going to debrief. And you're going to have to convince her, man. That's going to be the big goal. Because now we have the plan. Now you need to convince her. Are we going to intermission before that? Because I really have to pitch. We can. But Hammer Financial Score. Spending in a budget. You guys overspend. Zero out of 10 for that. Debt. You have collections. Zero out of 10 for that. Emergency fund, nothing in savings, 0 out of 10. Retirement, nothing in retirement, 0 out of 10. Real estate, 0 out of 10.

1:43:23I nailed it then. Hammer financial score, unfortunately, 0 out of 10. Get yours at CalebHammer.com. Now click that join button. Join us for what I assume is going to be an insane extra 20 minutes of this show and every other post show and three premium shows posted every single day, Monday through Friday by joining Hammer Elite by clicking that join button. I'll see you guys there. We did not discuss one of the deaths. What now? We bought some furniture last week. How much? It's a badass couch from TikTok. I'm sorry. What happens after six months? If you guys don't pay it in six months. Oh, it doubles.

1:44:00It doubles. Camera Elite is the best YouTube membership on the platform, and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join, and that's a promise. Thank you.