"Islam Is The Most Feminist Religion" | Financial Audit

25:32Shop now at palmolive.com.

26:02Easier. Easier because you just accepted it? Well, I think we're making better decisions because— Of doubt? No, we're trying to buy a house now, so. Can you guys—wait, on this income? Can you guys buy a house? Well, that's not— With the$50 ,000 of— No, no, no, that's not everything. Okay, what's everything? I'm 80 % disabled, right? So I was in the Navy. Yeah. Wow, in the Navy. Yeah, Muslim guy in the Navy. Muslim Arab guy in the Navy. Why are you bringing up the Muslims? I don't care about Muslim serving. well you kept bringing it up so I thought I would no based on what she said I love people that are Muslim I have had people that work I've had friends that are Muslim I love I don't really care I just no to be very clear all the things I talked about was because she said it was a feminist religion when it just goes against everything I know that's specifically it yeah and that you're practicing it literally so I had to well I mean yeah because people are dying but no absolutely I don't give why would I care if you're in the name Okay.

27:01All right. I like your religion just as much as I like Judaism, as much as I like Christianity, as much as I like religion. Which is not a lot. I get it. No, I like religions when people do it peacefully and well. I don't like it when people shove it down their throat and then like beat women in the streets. I don't either. Or throw gays off roofs. I do not either. Good. Just so I'm going to just. Well, that's good. This is the last time. Okay. Just so you understand the whole dynamic when we were seeing each other. Her mom actually thought I was going to beat her. She's like, oh, honey, don't marry him.

27:27He's going to beat you. Have I ever hit you? No. Have I ever touched you? No. Touched? Touch her. Touch her, man. No. He meant in an aggressive way. You know what I mean? Well, unless consented. But listen. Oh, dominant. Okay, so you're 80 % disability. What does that come down to? 1 to 500. What happened? What happened? I have to always ask now because we've had so many people that have gotten disabled outside of the military that end up getting disability from the military. What happened? Yeah. Why are you disabled? Insomnia. And my neck. Did that come from the military though? Yes. Insomnia?

28:02Insomnia. And anxiety disorder and depression, yeah. Gosh, but everyone has those already anyway. I mean, Exhibit A, right? And Exhibit B for what it's worth. And I certainly didn't serve them a faff. But, I mean, I'd sink the ship. Damn. Thank God you didn't. You weren't on it. That's what I'm saying. That was a really old ship. But listen, how can you track insomnia to that? The VA has its ways. Okay, so an extra$2 ,800 comes in, but how the f*** are we having a conversation about, first of all, houses in San Diego, what is that, like a minimum$800 ,000,$900 ,000? But not only that, how the f*** are we doing that when we're$50 ,000 in statute debt plus many more thousands of dollars into more debt, and she doesn't make dick of income.

28:42Also, it's a seven-year-old. You made it sound like you were taking care of a one-year-old, and that's why you can't work. It's a f***ing seven-year-old. He's special needs. He has golden heart syndrome. Huh? Golden heart syndrome. Heart? Golden har. Har, tell me. I do not know this one. So essentially it's a congenital birth defect disease. So the best way to explain it in layman's terms is parts of his body are either in the wrong spot or they're... Where's his arm? No, no, no. Like internally. Okay. Where's his heart? His heart is where it's supposed to be. But like, for instance, he has a right pelvic kidney and usually your kidneys aren't towards the back.

29:19Okay. So how does this affect them though? I mean, we just recently went through like spinal surgery. He's had five. He's had already five surgeries. Wait, why does this prevent you from working though? I do get the surgery thing. No, it doesn't because I was a single mom before I married him. Hold on. You guys have been married for a while, seen each other for a while. Why are you working 30 hours a week now? That just happened recently. That was - What was happening? I was working 40 hours. I started school to be - Oh, that's right. So what are you doing in school? Marriage and family therapy.

29:55there's good money there and of what values will you be teaching those marriage values i mean i'm not teaching any values because in therapy no a therapist has their own values yes okay so what is your account right now so uh right now it's seven it's 1700 but usually it's around uh okay can may i just ask may i just ask if they if if a man and a woman comes in and a man has hit his wife because she spoke up to him what will you say in therapy dang that's an interesting scenario i mean certainly is yeah no i mean i would definitely make sure she's safe and provide her resources and and whatnot no that's not a good situation to be in but if the client is saying that she wants to make it work my job is to help them work that through.

30:47My job, the client is the relationship. Okay. So what price of homes are we looking at today? Between, I think$650 and$750 is like kind of the range of what we've been looking at. We were pre-approved for more, but that's kind of where we Yeah, they'll pre-approve you for something way beyond what's acceptable and that you'll never be able to afford. I know. That's what happened with my credit cards. They approved me. I said, oh, yay. Now I could buy a bunch of statues. Uh-huh. But what are you doing with them? They're just in storage units. What are you doing? That's for posterity when I have the house.

31:21I'll have a statue room. You want your house covered in statues? We're one statue room. So what are you going to do in a statue room? I'm just going to show my friends. It's all my childhood stuff. I want them there. Your childhood stuff? Yeah. Most of us don't have rooms for our childhood stuff in adulthood, especially if it f***s the entire household and puts your childhood room above your kid and future kids. No, no, no. We'll have what it literally does. But it literally does. No, no, no, no. But the finances objectively are prioritizing statues over the kids. I mean, I honestly think it's too soon for a house.

31:55You guys disagree about the house. So what are the conversations here? Are you walking away from those two? Which, by the way, I've not gotten the answer I wanted to, but go ahead. No, no, because a house is, that's future. That's right. That's family. I mean, yeah. State stability. But I genuinely don't think we're ready for a house. Hmm. It makes me nervous. It makes me nervous, too. Lots of things that are worth it in life make you nervous. I mean, but that's the same thing with the car, too. I wanted you in a safe, reliable car. That's not going to break down on you like the other one did.

32:37What? Isn't that good? I mean, yes, it is. Okay, that's way better than statues, okay? But a house and a reliable car are different. But we can't get those things because of your statues. Okay. I'm so confused. Guys, okay. So she sits down, tries to make a budget, and you just walk away. How the f*** can you possibly have a house if you can't sit down and have a conversation with your wife about budgeting? I come back. And then what? I'm asking how these conversations go. She says you walk away. So now you're saying you come back? What is this? What actually happens? I need a little insight into how the finances are conversed, how things are managed in this house.

33:18I need something, please. I mean, we just make sure that our minimum debts are paid, and then we have enough for rent, utilities, groceries. The conversations. I mean, between us, that's what we talk about. We talk about those things. But you said he walks away. He comes back. And then? And then we talk about it. How? Are we fully aligned? Do we disagree? What is happening? What's the dynamic? We disagree sometimes, but what are we disagreeing on? Well, like food and eating out. Who's having what perspective? I think we eat out a lot. I don't. Well, yes, you're the one eating out. No. we eat out together most of the time but usually when i go to work i gotta go straight to class and then i'm the one who picks up and drops off my son so i sometimes it's convenient to go and pick something at least i don't door dash it caleb yeah but you're the eater of it so is he I mean, that's not when you're at work or school.

34:32That's maybe for dinner. Okay, it's because you don't know how to say no to me. You're a pussy? You do seem like a pussy a little. Yeah. If you're walking away from the tough conversations, I know you say you come back, but she's saying you can't say no. Are you a pushover in this relationship? Are we doing like Muslim reverse? I mean, I think he just needs to hear it from you, Caleb. Hear what? I'm still trying to determine what's even going on. I think that he doesn't fully grasp our financial situation. He thinks that we are able to, you know, do these things like buy a house, buy a new car and all these things.

35:12And I want to make sure you're good. I mean, that's why I got you that phone. But I didn't need to get that type of phone. Like, I'm grateful for it. Don't get me wrong. But like literally I had to go to the doctors recently because of all this stress.

35:34What? What? My body just freaks out. Like I get itchy. I get muscle spasms. Like I'm chronically stressed. Lose weight. I'm trying to. Okay, look. As a woman. Oh, here we go. Oh, hey, don't degrade women when they're talking about their issues. Oh, I will.

36:02As some. OK, fine. Some individuals, they have a hard time losing weight when they are stressed. Eat less calories than you burn. You go out to eat every five seconds of your life. I've been doing a lot better. Oh, because I'm a woman, I have to stop for my food on the way home. What are you talking about? What the f***? That's not a woman thing. Listen, if you're pregnant or if you just had the cancer, seven years ago, eight less calories than you. Concern, you're not going through menopause. Are you at 29? That'd be weird. Okay, what the f*** are you talking about? I just have other diagnoses that affect my weight and my hormone fluctuations.

36:43And what are those? Official diagnoses now from TikTok. Premenstrual dysphoric disorder. Uh-huh. Huh? Unspecified generalized anxiety. Okay. It's anxiety. I have a panic disorder. That is not why I'm an obese individual. It's because I eat more calories than I burn. It is a simple math. There's a very few specific things that will some people. It doesn't sound like you got them. I mean, it's a lot of it. Girl, you eat. Girl, you eat. You can't control yourself. Come on. Neither can I. My doctor has told me that I need to eat frequently. Your doctor has enabled you. Eat frequently, healthy, in less amounts.

37:26That can still be a thing. It is still a caloric intake versus output. It is still the math in the end. Regardless of the time you're eating, it's still the quantity of calories. Come on, dude. It's pretty basic shit. I'm not saying it's like specifically like, look at me. I'm not perfect in this. I'm with you here. But I know what it is. And here's the reality with a lot of the disorders that you likely have and with the anxiety, with the work, with the energy, everything magically becomes better. You know, no longer fat. It's weird how that works. I believe that. But to be fair, to be fair, I mean, OK, I weigh 145 pounds.

38:06Yeah, you got a good metabolism. Exactly. So I eat just as much as she does. I eat probably more. You have a good metabolism. She doesn't, dude. So some people. Some people have better metabolisms. Most people have like your metabolism. That's us. Welcome to America. And we're obese. You just got to consume less calories than you spend. I don't think it's a calorie intake thing. Okay. No, I genuinely don't. We would save a lot of money. Okay. Yes, you would save a lot of money, but also like - Lower calories is lower money. Of course it's calories. What are you on about? It's not. What? That's not possible.

38:40That is like actually not possible. That's a fat coat. fat cope. No, it's trauma. Your body holds on to trauma. And then what are you talking about? It's trauma. Oh, oh, she lives on TikTok. You married a tick. You married TikTok. That's actually true. Where are you? What social media are you on? I'm not. I'm not. She's on her phone. Even in bed. Yeah, shut the up. You're on something, dude. I'm not. What? That's not possible, first of all. Just everyone is. And he lives with you. And he sees it. So shut up. He forgets everything. He doesn't even know what he's talking about half the time. Okay.

39:26In this dynamic, it is a bit weird. Insomnia's not... Sorry. Go ahead. I have a note from Colton that... Oh, insomnia. That shit's real, man. It is. That's scary. I feel so bad for you. That's absolutely horrendous. I am so sorry you deal with that. That is like one of the worst things out there. I'm just, I'm just, whew. Oh, I don't want to live with that. So, but she said in her pre-interview that he needs to hear financial advice from a man because he won't listen to a woman. It's what she's told Colton. Did you say that? No, I said you are more open to advice when it comes from your male friends.

40:06So I thought that kind of in my head was like, maybe Caleb. That doesn't mean a man. My friends who are male have been around. You don't have female friends. Oh, exactly. So they're all men. Yeah. You want them to have female friends? No.

40:25See? The only female friends he has are my friends. Like we hang out in groups, like couples and stuff like that. He told Colton, you overthink. You told Colton, he's reckless. You also said talking to him about money is like talking to a brick wall. is it? I'm a brick wall to you? When it comes to finances, yes. We eventually get there. You just got to break the wall down. I already do that on day, like day to day with the individuals I work with. I don't, I don't want to do that at home. Like, I mean, the common factors, you guys are all veterans, but I don't, I don't, I, I deal with their stress because they're dealing with homelessness.

41:10I don't want to deal with that at home. I have to deal with their PTSD, their anxiety, their depression, all of that. She's talking about her job. Yeah. I got that. So? Is that an excuse for eating? I don't think so. But again, I feel like I'm not actually getting the insight, and that's actually kind of what's upsetting to me in this conversation about what the financial conversations are like. I'm getting so much just different information. We all have that dream trip we've been wishing we could go on. But too often, life, or usually price, gets in the way. That's why Priceline is here to help you turn your dream trip into reality.

41:48With up to 60 % off hotels and up to 50 % off flights, you can book everything you need for your next adventure. Don't just dream about that next trip. Book it with Priceline. Download the Priceline app or visit Priceline.com and book your next trip today. Go to your happy price. Priceline. especially from you guys your pre-interview versus right now versus you walking away versus coming back versus he just won't listen to me versus what the f*** who's running so you're running the finances yeah okay why aren't you involved pussy I am involved just not to the degree that you think I should be well I think and that I want to be you want to be so why not do it I don't understand the thing of wanting but not doing do do if want.

42:36Okay. Yoda's advice. Try. We got it. We understood. Okay. I thought it was funny. God, if you want to, why are you not doing it? Actually, it's still scary because I know I have a habit of when I get into something, I start spending. Okay. If you see the numbers, you'll start spending? No, no, no. Like if he has like available income, he will start spending on things. Do you not spend regardless? No, no. So let's say she budgets, right? She does it and I'm there with her. And then she's like, oh, look, we have some extra money. I sometimes take that like, oh, we can go spend this money out. Like we don't have much of a savings right now.

43:26And so, yes, talking about finances is kind of scary. Okay, it's real stuff. That's all I'm saying. And it's like with the house, right? We pay$2 ,500 in rent, right? $2 ,500 in rent. I'm not getting a cheaper mortgage than that. It's$2 ,250. Certainly not getting a cheaper mortgage than that. No, I know. That was before I got my 80%. And then once I got my 80%, I was like, oh, now we can afford. You guys are like basic middle class, maybe a little in San Diego. It's a little brutally expensive city. Now, household income right now with your 80%, when did you get your 80 %? October, November. Okay.

44:07I mean, you guys are at 9 ,700 net on a monthly basis now. Well, San Diego is still just an absolute brutal city. They don't build things. They don't permit things. It's a complete failure of things and bringing down cost of living. Yeah, she gets some. Ah, yes, from the penis. How much? 484. Yeah, okay. Well, that's something. What does he do? Let's not make much. And then the SS. He was unemployed when they did that, and I didn't ever. Seems to be the case every single time. And there was something else? My son gets social security. How much? He gets$9.15 a month. Okay, well, these are helping.

44:45Still, a mortgage payment that you guys can afford is maybe like$3 ,000. How the f*** are you getting that? That's all we can afford. $3 ,000,$3 ,500, starting to stretch at about$45 ,000. No, no, right? Five, five? That's why I... Five? Yeah, we were paying$2 ,500 about for rent and utilities and all that. And then now I got the 80%. No, no, that's not it. $2 ,250 is the rent. And then electricity is like$120. Like there are other things. You just don't see them. Guys, this is an insane amount of paperwork. Like in what way is a house a thing? Well, she's against the house. So what are the conversations like when it comes to actually getting the house?

45:22I mean, I go with him to go see the houses. I like the houses, but then... Well, they're fun to go view, but you're against the purchase, right? Yeah. So what happens in those conversations? Because this is the one thing he's actually trying to do. I freak out and I shut down. Is that what you both do? That seems to be what you both do. You shut down. We need time to process and then we come back and have the conversation. Yeah. And then what happens? And then we take action, Caleb. Well, but you guys disagree. So if you guys disagree, you come back, then what happens in that conversation? They can't answer this question.

45:55I, it's cold feet. That's what I tell her. I'm like, okay. What do you say? I say that I don't think it's cold feet and that you're not, you know, it's not the reality. And then what happens? You say you have cold feet. She says, I don't. Then what? Then we say, I mean, I ask her, I say, are we still okay? And you say, yeah, it's fine. Yeah, but on the topic of the house, guy, that's what I'm saying on the house. Are we still okay? She says, yes, you're okay. I mean, the house? I feel like it's part of me that like, like fawns into it. Like I. She keep pulling out fawn language. Oh my goodness.

46:33Are you sure you're not TikTok diagnosed? Dude, what are you talking about? Oh my. You're broken. What's fawn language? Like people pleasing and like. Oh my God. I hate you. Such a baby. Nothing is just on you. No. It all has to be these micro diagnoses. Stop. Now, advocate for yourself. Be an adult. So what? You give them that okay to get a house? She goes back and forth. So it's like one day she'll be like, So where are we today? We're going to get a house. Right? Yeah. Baby, what? Bro. Yes, Caleb, we're going to get a house. Right, baby. Where's your percentage on that? 100 % being I want to buy a house, 0 % I don't.

47:19I mean, like 80%. What? You do not seem that high. Are you afraid of the striking? What's happening? You do not seem that high. Because I understand the value of like what a house is. It's an asset. Okay, guys. So what are we doing? San Diego, California, three bed, two bath, three bed, three bath, 1 ,686 square feet, probably on the complete edge of civilization, 680 ,000. Are we okay with that? And it doesn't look great. Yeah, but it's doable. It has a really nice backyard. And it's lower than... So you guys know this house? Yeah, we visited this house. Yeah, we see this house. You like that?

47:55You want to get that? It's on the list. This one's absolutely gorgeous on the outside. Love that little Spanish style. Three bed, two bath, 1441 square feet. $739 must be a little closer to town. Yeah. Yeah. How far away is this from San Diego? That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to$350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Auto and get free money at the same time.

48:37Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for Chime. Get that$350 right now in your checking account. If budgeting apps make you feel like s***, this is for you. Most people who struggle with budgeting are irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts, and try tracking. But within a few days, it feels like a homework assignment they're failing. Too many categories, too many rules, too many red alerts screaming at them about what they did wrong. So, of course, they stopped opening it.

49:10Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't coming from your spending. It's coming from having zero clarity and using tools that turn money into a failing grade. Have you ever thought, I just wanna know where my money's going without being judged for it? You're not alone. That's exactly what we built DollarWise. If you wanna calm and clear away to see where your money is going, try DollarWise. Download the app today and get a three-day free trial. No setup nightmare, no manual tracking, no pressure to be perfect. Just connect your accounts, see where your money's actually going, and decide if it works for you.

49:48Click below to download DownloadWise and see if this helps you feel more in control without distress. And if it's not a fit, cancel any time. I mean, it's in San Diego, but it's - Yeah, but from San Diego. So it goes from like, these are - How far? This one? Well, it depends. Are you talking about like going towards like downtown? Yes, the city. Maybe like 20 minutes. Maybe like, yeah. 20 minutes, yeah. But we're looking at it mostly for our work, right? We want to find one that's close to where we're going. Well, how far is that to work? This one? 25 minutes, I would say. I don't remember exactly which one is which, but we have like a limit of like, it can't be more than 20 minutes.

50:23La Jolla is where I want to live. Ah. La Jolla is nice. I don't blame you. La Jolla is really nice. Okay,$735 ,000. We want to live there too, but we can't afford it. Well, I can't either. Four bed, two bath, 1 ,400 square feet. Oh, that one's my favorite. Really? Yeah. Okay. This one's honestly shitty. Please don't get this, and it got a price cut for a reason. 675, two bed, two bath, 858 square feet. It's a piece of shit inside. That looks horrible. Do not even consider that. I won't even allow you. Why? What's so bad about this one? That's going to be hard to resell. Look at the price drops.

50:55I mean, it's just, look at the tile inside. It's micro dick size. It's not very good. That's a hard resell. This is a hard resell too. It's a two bed, one bath, 908 square feet, 749 ,000. Hmm. But the orange door, it's cute. Okay, yeah, paint your next door orange. Listen, I'm being told you put in multiple offers recently, but you got denied. Yeah, it's turn. For this one. Well, I mean, it's becoming a, it's like a bidding war. It's a bunch of bidding wars out there. Still bidding. Oh my gosh, okay. So are you guys combined on finances? We do have a joint account. But are you combined on finances other than just that joint account?

51:34What does that mean, combined? You guys run everything out of combined finances? Is everything integrated or do we have separate accounts? What are we doing? Separate accounts and rent and... Our share bills go through the joint account. I'm being told that's why you're stressed about him hiding debt. Yes. Because there's a separate account. So what's your fear with him hiding debt? Because I don't know what he's actually spending on. And you don't want her to? No. I just think... Because she told me a joint account is going to be good because we can all track each other's expenditures. I could track hers, she could track mine.

52:11Keep each other accountable, you know? Yeah, but I didn't just to know the budget. But I didn't want to combine that with all the debt that I'm paying now. Hold on, are you guys not married? Are you not a partner forever through life? Through all of the 42 versions and all? Don't you get to share them? Like, yeah, we're together. but I don't want to, it feels like I'm passing like a burden on. I don't want to share an account with my debt. It's my debt, right? I see it as my responsibility to pay it. So I don't want to share an account. Well, how do you view it? I feel like he's hiding it. Like, I think he's embarrassed.

52:53Are you? No. Because I'm not hiding anything. I then then show me then you you haven't shown me so I feel like you're hiding it because you haven't shown me if she asks to see and you don't that is kind of hiding I mean I don't think you've ever asked to see like can I see your bank statements right now I look at your I ask to see your account all the time really yes okay okay I'll show you next time what the that's so weird that is weird I don't Why aren't you doing it? She asked multiple times. I didn't hear it that way. How'd you possibly hear? Can I see your bank account? How else do you hear that?

53:38Those words? Maybe not those exact words, but I say, you know, like, what's going on with the account? Like, do we have enough money for this? And then he hears, oh, that's 50 % of the value of money. I mean, I just, like, I feel that, like, we don't go item by item. That's a lot of work. Well, it is a lot of work. It's supposed to be, especially at first to get it all under control under one roof. What the f***? It's a lot of work. Do you not put a lot of work into things that are important? You have to. You have to put a lot of work into the marriage, a lot of work into your job, a lot of work into a degree, a lot of work into the household, a lot of work into finances.

54:20That's how things work. You had to put a lot of work into those ships. Right? I assume. I don't know. You're doing something. I don't know if you're bottoming in the showers or what, but I don't know what they do in the Navy. Gross. It's gross. Told you they're homophobic.

54:39Wait, what did you say? What did you say? Bottom feeder? What did you say? Should gays get married? They choose to. That's what they— Do you support them getting married? Here in this country, yeah. Yeah. What? It's crunch time at work and you need to bring wings to your workday. Visit RedBull.com slash getting it done and answer a couple questions about your work style to get a Spotify customized playlist tuned to your productivity. Plus, score a can of Red Bull on us while you go from to do to done. And remember, Red Bull gives you wings. Supplies are limited. Terms apply. Visit the website for more information.

55:18Every country does things differently. I'm not going to go - You don't advocate for them to be able to get married everywhere? Should I? For freedom? I should advocate for them to get married? No, I'm asking you. You don't. You do or you don't? I don't advocate for them to get married everywhere. Like you're saying right now? Like do I do it? Yeah. Are you down with making sure every country allows two gay guys or women to marry each other? I don't know. It's a good question. You're talking about me specifically? Well, I'm asking you. Sure. I mean it's not my job to judge and it's something that if they choose to Cowardice answers I'm just saying Caleb it's not what I do with my life is different from other people's You don't stand up for people That's not true Well I'm asking you to stand up or stand down I mean You stand up or stand down Some people don't even want to get married If a gay person wants to get married in Pakistan, do you think they should be forced to allow it?

56:22Forced? Yeah. Forced? Yeah, sure, why not? Freedom is, okay. Well, not freedom of state, freedom of people. Yeah. People should be able to do what they want to do. I just would recommend to just get married somewhere else. That should say something, by the way. All right, what do you guys think your financial household score is? Zero being the absolute worst, 10 being the absolute best? Two. Two. Okay, if you want your hammer financial score, take the assessment. It is free at Calebhammer.com. Just takes a few minutes. You get to see where you stand in the world of money, where you're doing great, where you're doing poorly, what you need to do to improve your life.

56:54And if you don't want to be like guests on this show, remember when they were doing that manual shit with every dollar? Download the DollarWise budgeting app at DollarWise.com or just download it in the app store. Take the free trial and see if you like it. And then most people do. And most people usually stick around it. If you want to stick around for 50 % off, most people take the annual version and you will get my budget meal plan. It splits out every single day in a detailed meal plan, how to make food and everything. I will sign that and mail it directly to you. Check that out, dollarwise.com.

57:21Links in the description below. Let's get into these numbers. Alrighty, my friends. who has Navy Federal Credit Union insane balance on a credit card who possibly has that we both do who has$23 ,592 that's mine you're saying it's all his fault what are you talking about that's horrendous that's horrendous it's my only credit card that has a balance and it's horrendous well what it's horrible what are you talking about it's justifiable how in what possible potential way how is that possible I mean how do you take this think this takes to pay off minimum monthly payments if you do not purchase anything which I know you're incapable of because you just purchased 260 bucks but how long do you think it takes to pay off no purchases minimum payments only maybe like 40 years no 33 years 33 years You're going to be in retirement If I can retire No probably not Because you're just purchasing Interest is accruing $215 Just hitting the card in interest While you're purchasing$260 Basically maxed out Yeah it essentially is Bro this is absolute insanity What do you think of this Seeing this balance This is disgusting Did you know about this?

58:53I knew it was high. Yeah. Did you know it was that high? That's horrible. But you know, I'm not worried about you hiding what you're spending it on because I actually don't know how it got this high. How did it get this high? What the f*** is wrong with you? I was, so before I moved to California. When was that? Like a few years ago. Like a year before we met. So years ago. Go ahead and tell me why this is at$24 ,000 today. I was homeless for a few months. My mom is kind of homeless. Okay. So years ago, tell me why it's a 24 ,000 hours max out was spending on it today. My facials and skincare.

59:35Okay, Frogan. Listen. But I mean, there are other things too. Like during when he was unemployed, I helped him out. We used some credit cards at that point. When were you unemployed? After I graduated. So I graduated December 2023. Why is it maxed out today? Asshole. What the f***? I was paying for rent. I can't pay. Oh, I can't. You're not today, though. On a credit card. Are you? No, not on the credit card. What the f***? Why would it be maxed out? It makes no sense. Bro, what's the veiled? I consolidated everything onto the veiled. Veiled? It's my clothes. Muslim clothes? Yeah. Yeah, I've never heard of it.

1:00:20Yeah, actually, it's pretty shocking. So sometimes I'll walk up and she doesn't tell me, by the way, I'll walk up to the house and there'll be packages there. Of hijabs? Of all sorts of stuff, dresses and everything. Hijabs too. And then I, you know, I'm like, hey, baby, what is this? Yeah, I ordered this again. Is it okay? It's already here. I mean, you can return it. Return it. Yeah. No, I'm saying return it. I can't. What? I thought you just said I can return it. I meant like I can like. Did you spend up to 400 hours a month on skincare? Yes. What is wrong with you? Caleb, it was. It's not you literally just look your age.

1:01:02No. This isn't even doing anything. No, it's, it's, I had like breakout. Like I was like full. Yes, because you're morbidly obese. No. You eat horrendous food. It has nothing to do with my diet. What? Listen, here's the thing. I may have permission to be sexism for a second. Okay. Hey, this is a Western secular nation. You can't be sexist here. What? I could be sexist, just not based on a religion. Go ahead. I'm sexist based on myself. Don't take away his first amendment, right? We like Western values here. We can say things. Listen, here's the thing. Every single morbidly obese man on this show, I just tell them, and they're like, yeah, I'm a fat f***er because I eat too much.

1:01:48and then every time I talk about a woman's weight, she's like, no, it's not my diet. It's my fucking, all this shit. It's my stress. It's my trauma. It's like, why is it only women that like they mathematically, the caloric thing and what they're eating doesn't lead to their skin for women, but every man will just accept it. Like me, myself and I, I know I'm a fat fuck cause I eat. I don't want to break out and sit cause I'm fucking eating fucking McDonald's. You, it's just nothing is your fault. Why? Why? And why is it every fat woman on the show? The fat men just own it. They're disgusting. They're fat.

1:02:21They're nasty. Like myself, I own it. I probably got some fucking sweat underneath my stomach roll in between my dick flap. I don't know. Whatever's going on down there. We can hardly see it these days. Am I right? Well, you can't see yours anyway because it doesn't exist. Yeah, well, not that. No. But listen, why can't you just accept it? What is happening in the women brain right now? It's not anti-women, but to be clear, every single woman on this show that is morbidly obese, it is becoming a trend like the disability thing. But it's just, the women cannot acknowledge that as calories. I mean, it is, yes, calories are important, but I genuinely don't have the time to like go to the gym or do anything to take care of myself.

1:03:06Okay. Yeah. But time, time doesn't indicate you have to eat fast food though. It really doesn't. You can be meal prepping quick food. Again, we're going to get you our meal prep, okay, and our cookbook and all that stuff. So I'm not saying you have time to go to the gym, which by the way, yes, you can fit in a 20-minute cardio workout a couple times a week. Absolutely, you can, by the way. Just at home or something. Just jump rope. But even still just diet. You can't work out a bad diet regardless. No, that's true. So it doesn't even matter with that. You're just eating like shit and you're breaking out like shit.

1:03:37You're eating like shit. Yes, not anymore. and now you spend$400 on skincare when we can't afford to f***ing live. It's important to me. I'm not saying it's not, but I don't think you need to be at 400. I mean, it did the job. I can show you a photo of like before and after. Okay, are the fries in the background? No. There's no French fries. Actually, that's part of the skincare routine. Not to eat certain foods. Whoa, that's crazy. Almost like that's probably the primary issue. It's not.

1:04:19Hundreds of interest. Okay, so does that mean this is yours at 15 ,527? So almost as bad. What the f*** is wrong with you? Right? Is that true? Yes, that's his. So I feel like it was a little racist to name you Muhammad. Who did that? Oh, you did. You're racist. It was between that or McLovin. And you landed on McLovin. Yeah, I was between that and Muhammad. Well, I mean, that works. Okay, listen. Okay, so what's going on with your Navy, Federal? Um, that's... All right, listen, I'm just going to cut to the chase with you, Caleb. All of my... All of that debt is from statues and collectibles and...

1:05:04So additional collectibles. What are these additional collectibles? Shoes and watches. I'm not even wearing oh wait yes you are I'm wearing a badge what is it this is a Hamilton khaki what I thought it was like from Amazon how much is it how much is it this one was my most inexpensive one this one was I think 200 or 300 dollars I have one that's 4 ,000 so oh that's why her family thought you were gay hmm hmm that's interesting information what can't take it back now It's because you're so well-dressed. A man can't be well-dressed? I didn't say it. My family did. Stone him.

1:05:49Wow. No. Well, you had more shoes than her, so. They're really nice shoes, guys. But the fact that you have more. Like, I bought him a whole, like, shoe organizer so that he could put all of his shoes in the closet. It's pretty awesome. Thank you for that. No, I'm pro. Oh, I'm pro. Look good, dude. I'm pro. But it's just like, hey, maybe you just got a homophobic family. Look, they're from the Midwest, so I don't know. I don't know what that means. I'm just saying like, it could be, you know, the people who are in that. The Midwest is Chicago. The Midwest is Iowa. That means nothing. But hear it this way, okay?

1:06:25Okay, I'm listening. The watches. Yeah, this is$15 ,000 of watches, shoes, and statues? Hear it that way, asshole. 29 years to pay off your watches, shoes, and statues, asshole. $232.06 a month in interest is being accrued on watches, statues, figurines, shoes, asshole. Huh. Huh. Curious. I never looked at it that way. That's why I brought you here. $385.06 a month in minimum payments for 29 years on not any future statues or shoes, but the ones you already got. In storage. They're all in storage? Even the shoes and shit? No. No, no, no, not the shoes. Just all the statues and collectibles and stuff.

1:07:09But yeah, here, here, check out my shoes. Yeah. They look like shoes. I mean, I don't know. How many do you need? Buddy,$3 ,000 of interest accrued just in a year with 18 % interest rate. It's not even, as far as credit cards go, it's below the median in this country at 20 % for households. And yet it's still$3 ,000. Dang. Oh, my God. Why do you guys not follow the debt rule, though? I'm sorry. I know I was kind of memeing on you early, but like actually question like genuine curiosity. Why do you not follow the debt rule? Because it is an actual rule. What's the debt rule? You shouldn't have debt in Islam.

1:07:43Oh, yes. Well, that's. It's tough when you want when you want something. But that's like saying the same thing for any other rule. Like let's pull from the Christian one for a second. It's like, oh, man, it's just tough not to murder. So I guess it's OK. Like what? Just because it's tough means you don't have to follow it. I didn't say I don't have to follow it. I am sinning right now by doing that. Yes. But continue actively.

1:08:12Lindsay, you're not in here right now and you're in the post show says she's never met a straight man that wears your go-to shoe brand, Allen Edmonds. Huh. Nice. Colton the gay? Colton, you want to leave your fiance? Stop it. I'm sorry, baby. I'm leaving you. He kind of looks like a more bearded, older version of your fiancé. They're just both brown. That's all I got. I don't know. Okay. I'm classified as white here. It's weird. In this country, yes. I'm Middle Eastern, North African, European ancestry, considered white. What country is your family from? Iraq. Oh. Yeah. They call that white? It's curious.

1:09:00Okay, USAA, I think this is a, no, this is another credit card. Whose credit card is an additional USAA of$7 ,629? That's mine. What the f*** is going on here, man? It was statues. More statues? More statues. Okay, so these numbers. You know these numbers so far? Most of them, yeah. 26 years for this one. Well, interest is accruing like crazy. What's the most expensive statue you've purchased? $4 ,000. $1 ,000? Are you serious? The predator one. It's one third scale. It's three feet tall. It looks incredible. It was only three feet tall. I thought it was like human height. That would be cool. No, it's one third scale.

1:09:37What's the point then, dude? Bro. Okay. So she told Colton that she wants you to write a will. Yeah, I don't know. Which sounds insane to Colton. I don't know what's going on with that, but apparently that's a topic. Yeah, no. She wants to off me. I do not want to off you. I just want you to have a will. Well, as a married couple, you should probably have a will. right it's not like he has anything to pass on statues and statues yeah well she would have to essentially settle those yeah for any assets well the car is in your name yeah in the house eventually so well that's gonna be in our name so you know so well we have to get an offer first or accepted yeah okay I mean another 1500 in interest accrued and that's another at 18 % Military star.

1:10:29I'm going to assume this is you. You have an additional$5 ,827 in a credit card? That was for watches. Dude, you're just brutal. You're just endlessly going into credit card debt for your entire life. Like, what the f***? Like, it's not just hard you not doing it. You're just endlessly doing it. You don't even think. Minimum fee payment on this is$124.45. I didn't get the previous minimum fee payment. On the last Navy Federal, the minimum fee payment was$195. I mean, these are stacking up. How can you afford a mortgage? He's already stacking up over$1 ,000. We're over$1 ,000 already. Well. About 10 % of our net income.

1:11:05I'm going to come in with the payments and I'm not even close to finished. Like I said, we could afford about$2 ,500 for rent and now I got the 80%,$2 ,500 extra. So now I think we can afford a$5 ,000. Afford, you're only going further into debt. How can you say you're affording if you're going further into debt? That's not affording. Your lifestyle is taking you further into debt. You're not affording. You don't know what you're talking about. What is afford? Never heard of the word afford in your life. Hmm. What are you on about? You can't tell me you're affording. Fuck you, affording. What do you mean?

1:11:34I mean, we have extra money, so. And we didn't have it before. Why are you going into debt if you have extra money? You mean the disability. You're just going to spend more. Okay, so this was watches. So not any future watches. You still owe about$6 ,000 on past watches. $124.45 a month on past watches. $66.84 a month in interest accruing on past watches. I paid no tax on them. Yes, I did. What's your thoughts on all this? You married into this. I did. You will have to settle this if you want any of the assets.

1:12:12$888 of interest accrued at a 13.99 % interest rate. The interest rates even compared to many on financial audit are actually not the worst, but they're still horrendous. And you're just losing so much money still, even with those more favorable interest rates. That's how far.

1:12:30Uh-huh. And you don't care? No, I do care. I just— What are you going to do about it? What have you talked about it? What have you said? Well, that's also another disagreement that we have in terms of how— Tell me. So, like, I like to use the snowball. What do you mean you like to use the snowball? You were spending on your credit card. You're not snowballing. You snowballing. You look more like a snowball than you actually enact. Starbucks is bullsh** and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well.

1:13:09Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is Gamersupps. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10 % off your order at Gamersupps.gg or click that link in the description below. Type in code Caleb. I am so excited for you guys to finally get your hands on what I've been working on for a year. The brand new DollarWise budgeting app. And listen, I get it.

1:13:46The first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use, but let's be honest, that was on me. So I put my money where my mouth is. And after investing millions of dollars and hiring dozens of people, we've completely rebuilt DollarWise and it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time or trying it again after you used the shitty version last year. But these deals only last through March 31st and then they're gone forever. Download now, take your free trial to test it out, and get the monthly plan at a 33 % discount for three months.

1:14:25Or take the annual plan for an insane 50 % discount. And with the annual, you get my budget-friendly cookbook signed by me and my brand new 30-day detailed budget meal plan signed by me as well. Both of them mailed directly to you. But after March 31st, the cookbook is gone forever, so this is literally your last chance to get it. And if you're feeling extra sexy, become one of the Founder 500 purchasers to get my Founder box featuring a bunch of goodies. This episode is brought to you by Indeed. Stop waiting around for the perfect candidate. Instead, use Indeed Sponsored Jobs to find the right people with the right skills fast.

1:15:02It's a simple way to make sure your listing is the first candidate C. According to Indeed data, Sponsored Jobs have four times more applicants than non-sponsored jobs. So go build your dream team today with Indeed. Get a$75 sponsored job credit at Indeed.com slash podcast. Terms and conditions apply. Plus lifetime access to the premium version of DollarWise. Don't miss this opportunity of a lifetime. Download DollarWise and start your free trial. Go to DollarWise.com or click those links below. Anyways, he prefers the avalanche method. You aren't doing either. What are we talking about here? Why is that?

1:15:38How is that even the conversation? That's what you guys disagree on? You're not doing either of them. You're spending on the credit cards. Morons. What the fuck are we talking about? Disagreement between avalanche and snowball. And I don't even care. They finish it about the same time anyway. Avalanche a little quicker, but snowball more consistent because you see the wins early. But that doesn't matter. That's not even the conversation. You guys are spending on your cards you're not doing either. No, no. What are you talking about? I mean, we're trying to put right now the extra towards. No, you're not.

1:16:05You're spending on it. You're not snowballing. You're not avalanching. You're not doing either of them. You guys are doing the IED method Nice Very nice Can't stop me today I'm gonna roll Nice Do you know what they call a Shirley Temple in Iraq? A Shirley Mosque

1:16:33Took me a while to come up with that one We gotta reconquer that one again We gotta We gotta take them out again if that's the shit that's coming out of that country. Whoa. Get back in there, boys. Okay. Okay, so Navy Federal, we have something for 18%. I think... How much is it? It looks like a consumer loan, personal loan. Yeah. Who? No, because we each have one. Oh, okay. Great. $13 ,122. I think that one's mine. What the f*** are you doing? Let me guess. That was to consolidate other credit card debt that I used to buy statues. What is wrong with you? How are you okay with this? Why did you marry into this?

1:17:19Well, how much aware of this were you? I wasn't aware of it until like a few months in our relationship. Oh, our relationship. Yes, but not marriage. Why'd you want to marry into this? It's horrible. Because I love him. Yes, I love. Yeah, sure. Love each other. That's great. But figure this shit out and then get married. Well, I mean, like, I'm just a very optimistic person. What's one of the leading causes for divorces in this country? Even though you guys technically aren't a lot too. No, we are. Oh, are you? Yeah. Oh, I just assumed that one. I didn't look that one up. Wait, what is the leading causes?

1:17:52Well, one of the leading causes. Finances. Finances. Oh, okay. So$760 minimum payment. Add that on top of what we're trying to do here. No, you're not making it. It's an 18 % interest rate. So this must be yours then. the$8 ,684. Yes. What is this for? Celeste. That was also to consolidate. And then you guys racked them all right back up again. As usual, then doubling the debt. You guys did not change your behavior, which means you do not get to take out personal loans, open new credit cards, do a transfer, do bankruptcy, because then you end up right back here again, if not worse. I'll let you use the mine card.

1:18:31It used to be the Fizz card. It's a debit card that builds credit, only lets you use what's in your checking account. That's the way to do it. I also get you a course of career certification so you can hopefully find a better job, get a better income. A lot of people in the audience have improved their income dramatically with the course of career certification. This is just so stupid. You guys are just f***ing it all in every way whatsoever. Okay, another Navy Federal who has a personal loan of$7 ,901. That's mine. Oh, no, the last one is for your car. Apparently, I'm being told. Yes, I have a personal loan through Navy Federal.

1:19:03And that was the previous one. Yeah, and then I also have one. I paid off my... So it wasn't Celeste. It wasn't her consolidation. It was Muhammad's car. So I... Your personal loan for the car of$8 ,684 for a car that's valued at$6 ,600. Yeah, now, when it was... When I took out that collateral... Yeah, now! When I took the collateral loan out using my car as collateral, it was... Why don't you give a fuck about that? It's worth less than you owe now. What? I don't give a f*** about then. Now! I took it out to pay off more to consolidate credit card debt. Of course you did. This is so f***ing stupid.

1:19:44What even is the car? It's a Honda Accord. Is that what you said? Yeah, it's a Honda Accord. I don't know. I don't know if I heard it or not. Okay, that means this is your personal loan for your consolidation. Yes. This is such a mess. okay this is seven thousand nine hundred one dollar and fifteen cents with a minimum monthly payment of eight hundred and sixty two dollars and ninety seven cents but so stupid at a sixteen point three five percent interest rate i'm like what is this even doing what is this even helping oh yeah yeah what a mess love sack not the seat place the beanie seats yeah it's great i love my love sack it's the best couch ever you look like a love sack You dress like one too Okay so what did you get?

1:20:29We got a What is it? Four seats? Yeah With one has like A storage Beanbag storage It's a couch It's a couch Okay It's a transformer couch We love the transformer couch Okay$67 a month And you owe a total of$1 ,901.99 On this transgender couch Okay 19 years to pay this off That's wonderful I'm deferred interest $1 ,808. Oh, shit. That's not until November. Yeah, we're going to pay it off before then. Yeah, sure. Uh-huh. I believe it. Not with the payments you guys are making. 100 bucks a month is what you're doing. No, you're not. F*** you. You don't have extra money. Good luck. You're going to get a more expensive mortgage.

1:21:09Yeah, that's nice and comforting in your brain to say I'm going to. No, you're not. F*** off. In no way are you. I don't want to hear it. We're going to. You need to. It's not a f***ing option, but you haven't put in the behavior to do it. You're only putting$100 towards it a month. Well, that's because we prioritize other things first. Well, you guys can't agree on how you prioritize Avalanche Snowball. But it would be$250 a month before it would hit. So if that's true, about eight months to do it. Yeah. Well,$240. Yeah. Okay. Okay. And you better, but you're not. You've made$100. You made$100.

1:21:43And you had a late fee on this. So it's just like,

1:21:49You're paying it off before it hits? No, you're not. You don't know what paid off is. You've never heard of paid off in your life. A late fee on this love sack? Yeah, it was because it was only a day later. Do it. Do it. Fulfill your destiny. You know what you need to do? Well, fulfill the stereotype. No. No, it was just one time. It will never happen again because we're going to pay it off. it'll be fine it's fine Caleb it's fine it's fine dude the deferred interest that has already accrued is 1800 bucks it's gonna be like 3000 hours by the time it heads that's our priority then we're gonna yes it is but guess what you're not paying off anything quicker anyway it's just like nothing makes sense you're putting money on debt I don't think what do you mean this is your priority your priority is currently spending and putting in offers for a house that is gonna quadruple your minimum payment on living fuck you priority you don't that does not align with anything we have seen in this conversation.

1:22:47You can't just say that. You can't just say that. That's so stupid. We will do it. Upgrade. Upgrade? No, no, no. What is this? That looks like a firm. What are you affirming? You didn't even know. No. You didn't even know a firm exists. Great. Those look like the comedy shows that we went. You borrowed money for the comedy show? Why the fuck are you affirming comedy? It was for your birthday. Yeah, but you're affirming it, asshole. I get overwhelmed with big, large payments. That means you can't afford it. No. No? No. No. It's... Life is short, Caleb. Oh, shut the f*** up. $419.21 with a minimum fee payment of 58.

1:23:39What the f***? It's going to take forever. What the f*** are we doing? There must be more things on it. Oh, there's multiple Stubhubs. Yeah. She fucks it. Oh, yeah. Stubhubs, Stubhubs, Market Shop. What the f*** are we doing? What the f*** are we doing? Etsy? She's Etsy-ing. Oh, that was for the ring for his birthday. I returned it, though. Because he didn't like it? No, he loved it, except for that it had in greenies. So you took away someone's birthday present? Yeah. It was his birthday present. I just didn't like it. I'm sorry. I thought you said you, you told me you liked it. I liked it. I just didn't know what, I didn't want.

1:24:17Well, yeah, that makes sense. But you said you liked it. Didn't like what? It had like a certain engraving on it that I didn't care too much for. Oh, Caleb, I have to answer this. No, you don't. We're fucking filming. What are you talking about? No, this is my realtor. All right, take your call. Oh, for fuck's sake, your realtor. No. Can you call it back? Maybe we'll call it back in the post show and hear what that's about. Okay. Can we do that? Okay. We'll call her realtor in the post show. I swear it better not be an offer expected. I'm going to kill you. I'm going to kill you. I'm going to kill you.

1:24:49The minimum fee payment is probably$105. Oh, Costco. Who has the Costco card? That's mine. Okay. You're becoming the problem. It's really starting to stack towards your direction. $402.05. Purchasing. Minimum fee payment,$41.

1:25:11I thought it was going to be more groceries. It's Team Mug's Teriyaki House. There's Costco. Arco, Harvest International, Honey Bee Family, Fry Mix, Salty Lemonade. Something at the markets. The farmer markets are life. I like going to the farmer's market. Good. I like you being able to fucking pay off your debt, asshole. You're spending money on debt. You're making debt go up. There is no avalanche or snowball. It ain't a thing. Oh, guys, I'm sorry. What the fuck are you going to do? You're considering... She might tell us an offer is accepted in the post show. I'm going to die. You're going to need to back the go.

1:25:47You can't afford this shit. You're only going further into debt. Oh, okay. Okay. Actually, the last one is Klarna. This one's a firm. Oh. West and Gold Aesthetics. West and Gold Aesthetics. What are we doing? Dude, she's spending like insane. That was... Those are my facial. You know what happens when you walk away from a conversation? You have no idea what the is going on. You need to hold her accountable. not in the traditional way in like the American way with good conversations and budgeting okay not the 1950s American way either dang that's less of a slap more of a fist oh my god they're for my facials your skin does look great thank you it looks okay what it's a little greasy just like mine and you look your age like that's it I told you.

1:26:39You got to see the before pics. I don't give a shit. You just look your age. It's fine. Yeah. That's got to slow down. Huh? That's the facial. It's got to slow. It's got to. Are you retinoling? No, I'm saying it's got to. Okay. That's good. Sunscreen every day? Absolutely. Okay. You're doing the two things that actually matter then. And a moisturizer. Most of the shit is like, honestly, just like fake science. Hmm. Well, a lot of it just has so many conflicting blah, blah, blahs. And every esthetician has their own opinions. It's his esthetician. I introduced you to her. Yeah, that's true. She does my eyebrows.

1:27:19Marjorie, I'm going to do payment on this. It's probably like 80 bucks. I don't know. I just got to keep going, man. Amazon. Who? That's not mine. Amazon Chase Card? Yeah. That's mine. Finally, back to Muhammad. Here we go with... Well, again, he doesn't seem to be the issue. $193. I mean, it's not good. Yeah, it was some 4K movies, that's all. Okay, die. $35, your minimum fee payment. That's stupid. Amazon, Amazon. I thought you paid that all. Hmm? I thought you paid that all. Oh, it's$193. Maybe he did before. No, because I bought her. Some movies during Black Friday. Oh, wait, this is a Honda.

1:27:54Oh, wait, is this another loan on this? On the same car? No, it's a different car. Different car. Another Honda? Big Honda fans. Huge minimum fee payment. So this is your car? Yeah. What is it? It's a CRV. It's a 2026 CRV. Why do you get that at$1 ,000 a month that you make? $1 ,700. What the f***? You have a literal$773 three-cent minutes of payment, even though you make$1 ,700 a month. What is wrong with you? What is with Americans? You know, speaking of cultures and how Western culture is a superior culture in this world so far, we have failed at this. Endless highway building and endless car dependency, and then you thinking you need a new car that is half your income.

1:28:33What the f*** is wrong with you? A$40 ,000 balance? $539 ,000 as well? What's the value? What's the value? This is crazy. Told me we're$34 ,000. Told me we're$34 ,000. A 2026 CRV? $34 ,000. We clocked in her VIN, dude. Wow. Mm-hmm. I'm being told you thought you haggled on it, like a classic Middle Eastern. And usually you think you're the best hagglers. Usually it's like watches in the mall, but I got it for pretty good. Well, no. It's worth 34. What's the interest rate on this? 4.99. He pays on that one, not me. I don't pay that one. Oui. Oh, right. I think you got haggled. Oh, sir, I have such a good deal for you.

1:29:20Brother, this is such a good deal. I promise. Just take this, sir. Sign right now. It's so good. I got it brand new. Yeah, that's usually not good. Really? Yeah, it's the quickest depreciation. Okay. Wait, is there a Chevy Spark as well? No, it's a Sonic. That's the one that broke down. Old car? Yeah. The engine seized up, so I had to get her in the car. Wait, what is this Honda Accord loan? $8 ,000. Oh, okay. So this is a separate loan. You have$1 ,600 still owed on this broken car? Yeah. Yeah. We got to get the title before we can sell it. But if you weren't spending on so much bullshit, you'd just pay this off immediately.

1:30:01$409.10. a month. And this is, okay, so this is Muhammad's, right? No, that's my old car. Oh, and it's worth $1 ,500. So just about. Well, it's broken. So it probably is not worth anything. Who has student loans? We both have student loans. Who's advantage? He is. Okay. Well, that's chunky. What was your degree? So those student loans actually came from a previous degree. Yeah. You went to film school, film and television production. We're both into that nerd shit. We'd probably be good friends outside of financial audit. But buddy, the way you're doing it is insane. Yeah. It's insane. Did you ever do anything with that degree?

1:30:45No. Exactly. No. I went back to school after the Navy. You sure did. Oh, for fuck's sake, like 6.8%. So minimum fee payment 406.39 right now. And then yours is 56 ,000? It's actually 66. 26. That's. It's gone up? It's gone up. Oh, my. Because you're continuing to borrow for school. That's right. For fuck's sake. Yeah, I'm in my second semester. Oh, you're going to be there forever. It's my second degree. Well, stop. Third degree. Go get a fucking job, dumbass. Okay, I'm so fucking done here. There's$5.26 in savings. Checking account down from$2 ,600 to$1 ,800. Is this joint? This federal joint?

1:31:28Okay. Sportsplex, Burrows and Fries, Disney Plus. Mementos, Mementos. Mementos. It's a restaurant. Olivares, maybe that's parking. I don't know. Barnes & Noble, Hana Sushi, Barnes & Noble, Chuckle Membership, Children, International Children. $30. Oh, it's a donation. I donate to. Donate to your own child by paying off your debt, dude, and then give more. Jack in the box, vending machine, go in and say getting some bullshit. Man. Where's like the halal food? I love that shit. That shit's so good. You got to come out to San Diego, man. Dude, I'd love it. Is that where all the... Well, you got to go to Michigan.

1:32:09That's where all your people are. Yeah, when my family came here, they went to Michigan first, but it was too cold. It is too cold, but man, let me tell you, the Middle Eastern food there is crazy. I can't find any of it down here. It kind of sucks. I stopped it for Mexican food, but that's okay. In Texas barbecue, so I'll accept it. Apple Bell, Chick-fil-A, Robert V. Battery, Chuck E. Cheese. Pedophiles. Chuck E. Cheese. We have a son. We have a son. Amazon. So good. So good. So good. Spring styles are at Nordstrom Rack stores now, and they're up to 60 % off. Stock up and save on Rag & Bone, Madewell, Vince, All Saints, and more of your favorites.

1:32:50How did I not know Rack has Adidas? Why do we rack? For the hottest deals. Just so many good brands. Join the Nordiclub to unlock exclusive discounts, shop new arrivals first, and more. Plus, buy online and pick up at your favorite rack store for free. Great brands, great prices. That's why you rack. Oh, here we go. Al Fanar Restaurant. That sounds a bit... There we go. That's bomb. That is a really good Syrian place. Ooh, Syrian. Yeah. Okay. Best beef kebab I've ever had. We love it. We love it. That's very good. They currently don't have a government, but at least they can still make food. Taco Bell, Primo Water, Primo Water.

1:33:30That's what we do here. I don't know why you guys need to do it at your own homes. That's what we do it in our office, Primo Water. Grossmont Cinema, Baskin Robbins. Grossmont Cinema, Shanna's Burger. Mementos again. Bullshit. They have really good chilaquiles. So good. What the f*** did you call me? No, I said they have really good chilaquiles. It's a dish. The dish. It's a Mexican dish. Why'd you say it like I'm Mexican? Are you Mexican? What are you? I'm Filipino and white.

1:34:02Damn, girl, you got colonized. Famous footwear. Venmo. Venmo. Fashion value. Arusa.org. Grubb.com. I don't even know what these things are. Those movies grew. It keeps going. Barnes & Noble. Arizona might be okay. Go to the library. Spot free rent. Spot free rent. Spot free rent. Spot free rent. doesn't sound free to me. Spending a lot of money there. Dilly's ice cream. Chuck and Cheese. Bullshit. Public Square. Mementos. Bullshit. Amazon. Mira Mesa. Lanes. More Amazon, Amazon, Amazon, Amazon. Jack in the Box. Netflix. Harvest International. Rose Donuts. Barnes and Noble. Then we know money. You're equal spenders.

1:34:45You're not snowballing. You're not payoffs. Hey, guys, where's our savings in investing? This is it. $5 ,400? That's all we got? What? Where's you? I don't have... Dude, you're f***ing 40. You're a boomer. That's why I... I don't... You're a f***ing boomer and you got nothing. Am I a boomer? I'm not a boomer. To me. Okay, let's try to make this budget. I can't wait to hear what this realtor says. I hope it's that your offer was not accepted. Because, please, it can't be. It just can't be, guys. Oh, yeah, yeah. Guys, this is horrendous, these minimum payments. Good luck. Put an extra dollar. Each one.

1:35:27Each one? Yeah, it'll go down fast. That does not make that much of a difference. All right. Our minimum fee payments is literally$5 ,127.10. What the f***? Your rent's$25, you said? Yes. $2 ,250. Okay. What about utilities, internet, all combined?

1:35:49Let's say like$190. $190. That's not bad. Okay, gas, vroom, vroom, drive, drive. How much? $250? For each of us, yeah. Together? Yeah. No, no, no, like$250,$250. Car insurance? $250? No. Yeah, well. Your work is like five minutes down the street. Oh, yeah, yeah, yeah, yeah. So maybe like$150 for me. So$250 total? $350. We'll do$350. Car insurances? No. Did that go down? Well, no. It went up because of the CRB. Hold on, hold on. I think it's$13.65 for six months. So what is that? Every month? $13.65? Yeah. I think so. For six months? Yeah. Okay. Good. $227.50. Yeah, that sounds right. I have to speed up because I have to go on Fox News where they hate people that look like you.

1:36:40Phone bill, how much? $250. Food? $750. Should be fine. Meal prep, meal plan. Use our resources. TP Fund, anything else you guys need to survive? $200. That's your facials. That all fits in that. It's a toilet paper. Dildos, whatever you need. Medical health care. Monthly basis. How much? $25 a month for me. And co-pays are probably like, we'll say$30, so$55. Okay,$55. Subscriptions, I'll charge you$50. You have any pets? Yes, one. We have a cat. One cat. Okay, I know you guys are anti-dog, right? We are not. Not anti-dog. Really? Someone in New York City was just... I love... the fact that they can't have dogs.

1:37:25Okay. Yeah. Okay, well, 50 bucks for pet insurance. Pet food, how much? 30. I would say like 15 bucks a month. Okay. Anything else that needs to be in this budget? No, I think that's it. All right. Needed to survive. Yeah. I don't know how you're going to fucking, yeah, increase payment. Good the fuck luck. Just needed to survive on a monthly basis and paying off that debt before that back deferred interest hits is$9 ,471.60 and your total income is$11 ,099. Guys, you're renting. Stay renting. With this call, I am honestly nervous to hear, but you essentially have$1 ,500 left on a monthly basis.

1:38:07I mean, that's pretty much it. Even with that, all this debt? We'll get rid of the student loans, but you guys have a total of$235 ,266.02. It's crazy, but let's minus the$56 ,000,$6 ,084. Then let's minus the additional$56 ,263.91 because you have minimum payment for student loans until they're paid off. That brings bad debt to$122 ,995.27. Horrendous, disgusting, my life. I mean, that's horrible. With your$1 ,500 left on a monthly basis with no fund spending, it still takes 81 months to pay off. I might be considering... Nah, no, you don't need to do bankruptcy. You need to go make more money.

1:38:50Bring in an extra few thousand dollars and you'll pay off this debt quicker. Right now, it's six years. I think you can pay it off in three and then you guys can get a house. But you have to go get a job now. He's already working. He's doing fine. You need to go double your income. I don't think you need to go get this other degree. Go bring in money. Pay off the debt. Get it the other degree later. Double your income now and you can pay off the debt quicker. All right. We need to call the realtor back and I have to go because this episode went very long. But let's get their favorite financial score and then join us in the post show.

1:39:18Spending in a budget. Oh, he's overspent. Zero out of 10. Debt? No collections. This is basically, we just saw the numbers. It's basically horrendous. One out of 10. Emergency fund? Zero out of 10. It wasn't a full thousand. Retirement? Horribly for our age. It was about a one out of 10. Real estate? Zero out of 10. Really bad, guys. Really bad. Hammer financial score, 0.5 out of 10. Round it up. Get yours at CalebHammer.com. Now click that join button. Join Hammer Elite for three premium shows posted every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. Join us for the post show.

1:39:48See you there. Do you have a second? I just, I have some really big news for you guys. Okay, yeah. Guess what? You guys closed. Congratulations on your new home. How much? Okay, I'm so done. Don't forget to download the new DollarWise budgeting app. This is officially now the best budgeting app on the market, and I'm giving you a special deal to download, but only through March 31st. Take a free three-day trial to test it out, and then you get the monthly plan at a 33 % discount for the first three months, or the annual plan at an insane 50 % discount. And with the annual, you get my budget-friendly cookbook and my brand new 30-day detailed budget meal plan signed by me and mailed directly to you.

1:40:22After March 31st, the cookbook is going away forever, so this is literally your last chance. Don't miss the opportunity of a lifetime. Download DollarWise to start your free trial. Go to DollarWise.com or click the link below. Thought sweet green was just salads? Think again. There's a new way to do sweet green. Wrapped and ready. These handheld wraps pack bold flavor and 40 plus grams of protein into something hearty, satisfying, and built for life on the go from craveable sauces to satisfying textures. They're designed to keep you going without slowing you down. So put that fork down. Try the new wraps today in app or at order.sweetgreen.com available at participating locations only.