Str*pper Exposed On Financial Audit

26:22Is he in the picture? Diabetes now? No. Are you getting money? No. Why have you not tried to get it legally? Because then he's going to— Does he even know? Yeah. Oh, yeah. He lives in the same city. I heard he moved away again. Okay, period. Better not. Why not go to the court? Get money. Well, because then he would— He busted the load. He would try to be in my son's life, and him and his wife are like, the f*** out. And they don't need me. Why were you a f***head? That was her type. She likes ugly men and men that have issues. Just serious issues. At the time, I felt like I could fix him. Girl, your life is completely broken.

27:05I was 18! He's not even on the birth certificate. No. Bro, I really don't get it. This is such a f***ing mess, and you're just breaking every bound you know to a man. You want to start a f***ing mess. She's not in favor of that, but you want her to join something she's not even in favor of. It's like everything here is broken. I do not understand what you're doing to self-satting. You're hurting yourself. You're like self-inflicted hurting yourself. I really don't get it. And I bet there's a connection to the kid. I bet that's pulling some weight as well. Absolutely. But raising a kid for her because she's a f***ing failure is kind of gross.

27:38Does not raise him for me. I do homework with him every day. Well, no. You don't work with him. She does not. He begs to do it with my mom a lot. So whenever she has time. We live in a house where it's four generations of us. We did get approved for the apartment yesterday, though. So we will be moving out. Yes. Yeah. Oh, my goodness. I couldn't imagine the absolute chaos. Yeah. Yeah. I have a lot of paperwork in front of me. Whose fault? What's going on? I definitely have the majority of the debt. Okay, so there we go. So it's life abuse. It's financial abuse. It's everything. You're carrying down the relationship.

28:13Why are you there? Why? It doesn't make sense anymore. It doesn't make sense anymore. The sex is good. Is it? I love her. I was told the drive is completely different. She has a libido of Andrew from Big Mouth. I do. Or like Jay. I could go all day, every day. And you? Like a rabbit. Not you? In the beginning, like, I was definitely a lot closer to matching it. But I definitely feel like, like, the repressing my sexuality was affecting things. And especially because when we first got together— Repressing being into men, like, which is pretty normal. Well, when we first got together, like, one of the first conversations we ever had, she was like, yeah, I don't care if you have, like, a boyfriend on the side.

29:04And then, like, a week later, she was like, yeah, never mind. Yeah, because I could understand how that would be leading to jealousy, especially if emotions are being developed on the other side. Keep in mind. She was like, no, I'm very monogamous, like, when I said that. Hey, when was the last time you took a dick?

29:23Answer truthfully. Yo, I'm being truthful. Do you want to talk about it? We had a menage a trois. Yeah. So you can't be against that, then, if you participated. I participated because I love her and I wanted— How long ago?

29:44Last summer? So you haven't independently been with someone in a while. You're just sending images and photos. Yes. Yeah. No, I didn't hook up with nobody. And if you would just go hook up with a guy, then what? Well, we would talk about it. Yeah, yeah, yeah. Like, I would tell her. It definitely wouldn't be anybody that she's texting like this. It would have to be like strictly a hookup and then like. Hit it, quit it. Yeah. Not this emotional shit. I definitely agree with that. Okay. So what's our future looking like? You're a bartender, you're a stripper, and then family's helping you out on something.

30:18You're going to love this. Family helps for more. Family does help me. But I'm in school. Like I said, I had my degree in psychology. I'm now pursuing civil engineering to give. her even more of a princess life. And that's what you want to do. You want to enable her even more, the one who has drived this down with all this debt. What's the household debt? What do we think the household debt is? I know mine. I'm like... Household. Guys, we've been engaged. I have no debt, so it would be all hers, and I would guess... Like$72 ,000. I guess like$45 ,000. $70 ,000. With like school. $72 ,845. Can you repeat that?

31:00is$72 ,845.

31:05And this princess treatment is only leading us deeper in the hole. The household brought in$8 ,000 last month, which doesn't align with the numbers you gave me. It's lower than that. But even still, out was$10 ,800. Oh. Yeah, that goes up. I'm being told, yes, you want to do civil engineering to make more money, but Jade wants you to do civil engineering so she can stop working. No. I want to pursue... You're not going to like it. I'm teaching myself tattooing right now. So I want to be a tattoo artist. But I also am about to finish my degree. And I want to go to grad school so I can be a researcher.

31:47In? Psychology. Oh, for fucking sake, guys. What are we doing? You're going to research psychology. Yeah. And tattoo. I'm going to kill myself. What the fuck are we talking about? I'll be able to help you. I always say that she's a jack of all trade and a master of none. She just floats around to whatever idea she's on. She's passionate about it. And then it fizzles out and she's on to the next thing. Yeah, I would say so. As in the next person as well. You guys were supposed to get married this summer. I will say that that was kind of rushed on both ends. More so, I think, out of fear of losing each other and just wanting to lock it in.

32:22What? Getting married would make us lose each other. So we don't. So we don't. Like, lock that shit in. You know what I mean? No, I don't.

32:36How often do we fight, guys? Especially on all this shit. I assume, I mean, you have to be afraid of the$72 ,000 of debt that would come into this marriage. Her spending. Everything you're supporting. I'm not the only spender. She's not going into debt for it, though. No. I mean, I do love Klarna, but I mean, I pay that shit off. She did just open her credit card. Okay, is she going into debt? Well, there's like$2 ,000 on there. I have credit cards. Okay. Well, is that a balance? Is that balance being paid off? Yes, yes. Like a full balance. I've been putting like$150 to$200 every time I can. She said it's$2 ,000.

33:11It is. So you're not paying it off. I'm making payments towards it. Oh, fuck. That's not. No, no, no, no, no. You put$2 ,000 on, you pay$2 ,000. Oh, you're going down the same hole as her. Okay. What are we doing? We did want to go on a cruise this summer. so I just like put it on the corner corner. Because I'm graduating. But I paid off a good bid. From college. With what bachelor? Psychology. Oh my, what is with you guys in psychology? I already said it. No, you said you wanted to go into research in psychology. I didn't know you were graduating like right, I didn't know you were in school, psychology right now.

33:49What are you guys getting such a worthless degree? Well, I want to go to grad school, so it won't be worthless after. Okay. And I wasn't aware of how much schooling and money it takes. So as soon as I didn't get into the master's program, I gave that up. What school are you at? UNO. It's about to become LSU. We got bought out. Okay, your school just got bought out. That speaks enough for what kind of school you're going to. It's so bad. It's not that bad. No, it is. Schools don't just get bought out. For my department, it is very bad. I'm just trying to picture you in the classroom. Right. They love me.

34:23They might enjoy your personality, maybe. I don't even know. Are the, you know, TAs enjoying you? I have no right. He doesn't hate me for sure. He loves me. He loves you. It's a woman. Still. I do love her too. A woman professor, definitely a lesbian. I don't think she is, but I don't really know. Would you like to see my bald pussy? Okay, that's the cat. Okay, funny. That was good. That was wonderful. You like that home. Okay. What was the last conversation we've had financially? I wanted to start helping out paying for our son's school. At least you say our. $10 ,000 a year. What? But my mom pays half of it.

35:14Why? Do you know the education system in Louisiana? I'm sure there's good public school districts and bad public school districts. Correct, yes. Okay, the good ones are still at the bottom of the entire country. It's not good. It's better. I went to public school. Are there charter schools? She went to private. We ended up in the same class for the same degree. Are there charter school options? Yes, there are other options, and she doesn't want to make him upset by moving him to a new school. Okay, I also— Bruh, he's seven. He doesn't know what the f*** is going on. No, but I want to give him as many resources as I can.

35:45Like, there's better, you know, teacher-student ratios. They offer all kinds of different, like, programs and stuff. They have like a pool on campus and shit. No, they just, they do little theater things every week that we have to go to. I'm like, are they even learning anything in class? Okay. So the conversation is you wanted to provide to that? Even though you're kind of against it? I've been against it for so long. But you want to provide to it. So make this make sense to me. I want to start helping. Why? I feel like you do everything. She does have a lot of bills. I have no bills. Yeah, because she just, because she takes on everything.

36:19Because her parents help her with her school. They help with her car insurance. I'm on my own for all that. Guys, you're 25 and 27. Why are we still doing bachelor degree bullshit? Okay. Well, I got knocked up my first semester. It took a while. Yeah, don't do that with crackheads, freak. And I didn't do it again. Are you on birth control? For what? You take dick sometimes. Once wrapped. And it was wrapped. Well, that's good. Yeah. Glad to hear that. Can y 'all cut that? No. You're slurping? No, I spilled a little. Thanks. Okay. And how did that conversation go, though? Anytime that we talk about finances, like, that's the only calm fights that we have.

37:04Really? Yeah, she did the math on it because obviously I make significantly less than she does. It rounded up to about me donating, about, like, contributing$400. Why is there no issues there in financial conversations? Because we both like spending money. So we both agree on doing poorly. Correct. Is anyone going to step up and be the adult for the future of your relationship? Am trying. For the future of the seven-year-olds? You're trying. Is she trying? I'm not going to apply. Who's trying? Both? Do you guys agree on trying? Okay. We agree on trying. I'm the one that says, no, let's not go to Target.

37:40She will be like, let's go to, there's a store called Tiny Buffalo. It has like little boo-boos and shit. Yeah. She'll be like, let's go to Tiny Buffalo today. let's go to Target let's go to the Pokemon store and I'm like let's not because I know that I have no self control I also like I don't look at price tags like if I see it and I want it I'm getting it she'll be like should we get this one or this one I'm like well this one's$2 this one's $24 let's get the cheaper one but again that's why I try to avoid like going in there period so how did the conversation go if she wants to go you don't want to go.

38:20What happens? We go. Yeah. So why? Why does she win? Why does the irresponsibility win? She has to win sometimes, doesn't she? Yeah, but if it's winning only in the financial negatives for us, why is it always a win on her side? I pay for stuff too, though. No, no, no. But if you're saying no, we can't afford it. Why does she always win? It might not be always. She might tell me no, like, one out of ten times. I've seen my ground a couple times. We did not go to Tanya Buffalo the last time she asked. No, we didn't. Okay, Okay, so one time. I'm glad the financial conversations are a little better, but it's because you guys are aligned on being shit.

38:53Who's trying to change more quickly? I think it's you. Are you going to hold back the relationship? Are you going to hold back the finances at this house because your parents are the ones funding everything? So you've never had to actually realize, sacrifice, and budgeting and understanding money? Correct, yes. There is that. Yeah. So that's not fair to her. Buy shit when I'm sad. Well, you're sad all the time because she's horrible. Correct, yes. So, I mean, I don't think I'm horrible. But it's also discouraging when I do, like, put in efforts, and she's like, oh, I just— And then I'll say, like, well, I've been doing this and this, and she's like, oh, that's true.

39:28I acknowledge your efforts. It's like a hindsight acknowledgement. Yeah, no, no, no. I mean, I get that, too. I get that, too. I, you know— And it's hard to keep momentum like that, you know? It is. No, no, no. The girlfriend I love to the end of the world is, you know, similar to you in that regard, and I'm more similar to you. I'm not— but like I am similar where it's, it's less of my natural instinct to be like that. And the other person wants it. So it can be a little discouraging when you, you know, hear only the negatives and you want to do better. So I do get that. You got, you just have to be more, more supportive of what she's at least trying to do because she's trying to do it for you.

40:02She's not doing it for her. She's doing it for you. Late in the game. Like it's shit. Okay. Do you want it to never happen though? Like what? Like what's the, what's the, what's the alternative? It just, it just feels like a little, like a sprinkle of what I've been asked. asking for. You can accept that there's positive movement. You can leave or you can hope that nothing ever happens. Okay. Which one are you going to do? I'll go with the first one. I'm not leaving. Yeah, I think would be the only fair option. Right? Yeah. And you just got to keep stepping up and doing better. Yeah. You really do.

40:30Yeah. But actually. You have to keep the momentum up and you have to help her by not disencouraging her. I planned my last date. And putting that pressure on. When it's all pressure, it makes it hard. And then I paid for it. Okay, I bought us a 200. She bought her friend a$200 dinner. Did you not eat? Did I not contribute towards the bill? Voluntarily. I told you not to give me money. But I'll tell her not to do these things. And she's like, I want to. And then I don't, but I still get like put down for it. Even though she said it's what she wanted to do. So how often are you guys fighting? If finances isn't one of the biggest fight things, how often are we fighting in this relationship?

41:08It's been more recently that we've been fighting. Really? What's it ramping up because and for why? Just the lack of communication. Like, I cannot bring up anything. Like, I'll bring up a boundary or I'll bring up something that bothers me. Give me an example. Texting all day. Like, she'll ignore me or our son. No. Yes. Don't. To text whoever the fuck back. And I'm like, you know, I'll bring it up. And it's just instant, like, raised voice and, like, just pissed off. shuts it down immediately. And like, it used to not be like that. Like we used to have really good conversation and communication skills.

41:51And now it's just, she shuts down immediately. My thing is just, it's just all the time. So it's just, it's hard. It gets overwhelming. And it's all the time because the reassurance that I get, well, she just started giving it to me. So it's been easier to not have to feel insecure and like bring it up constantly. but before it was like nothing. So I'm just constantly in my head. So I want to talk to her about it and she just makes it impossible. What? That seems pretty important. I don't know. I just, I disagree. I feel like I try to give her reassurance but like there are times where I'll say something and it's like not exactly what she wants to hear.

42:33And so she'll tell me what she wants to hear and then she's like, but I don't want to feed you lines. Because I don't. You're an adult. you should be able to but what I say isn't good no no there is a certain this is difficult because I feel like I've been there sometimes too so I do understand it in her brain it's not it's more complicated some people just need that extra guidance because it's just not in their just natural sphere and I've given the guidance for two and a half years and I also lead by example I mean that's fair if I f*** up I mean it's it's a an hour long deep felt apology and like, you know, what I'm going to do differently next time, like why it's not going to happen again.

43:14And her, wait, her, it's, I'm sorry. I love you. And like, that's it. That's it. And I'll be like, can you think of anything to say? I do need to be reassurance. I tell you, I want to be here. I want to be with you. Not immediately after the fight. That's all just for fun and shits and giggles. 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. It'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.

43:50So go build your dream team today with Indeed. Get a$75 Sponsored Job Credit at Indeed.com slash podcast. Terms and conditions apply. After the fight. It is. So I have BPD. So a lot of times, like, she wants an immediate, like, emotional, like, thing out of me. But, like, when my emotions are really high, like, she wants me to coddle her. But, like, I'm also upset. So, like, I need to cool down before I'm able to, like, have clear thoughts. She is—you are fully capable of asking for a minute. Does she ever say that? No. I have to be like, do you need a minute? Absolutely a liar. There have been times where I'm like, I'm going to go sit in the office for a minute.

44:32And she's like, you're going to walk away from me. And if we can't get to a place of any kind of communication in a healthy way, what kind of feature is there here? You have to be in the middle ground in some kind of communication style. Calm. I stay calm. Calm is hard. I used to get— Yeah, but you bring a lot of emotions. You do emotional versus logical. That's fair. No, that is actually correct. Which isn't necessarily helpful either. It's okay to be emotional in an argument. Well, and like having an emotional feeling and being able to communicate because of that. But it can't only be from emotions, especially when the other person's also a little more volatile, which she is.

45:11It's just difficult to handle when I'm so sensitive. So how do these end? Do they ever end with any productive? Yeah. Yeah. Eventually. Now, why do we think it's ramping up? I think I get really overwhelmed really easily. Again, like, do you know what BPD is? Yes. Okay, cool. Yeah, so like instead of getting like crazy manic, I get like rageful. So it's just hard. She rages on you? She might throw a fan here or there, but it's never on me. Okay, one time. I just threw it on the ground. Not even toward her. Have you ever been to a rage room? If you know, yes, if you know you're getting to the point of rage, ask for five minutes.

45:54Ask for five minutes to go calm down. She didn't give it to me. Why won't you give her time? Because my anxiety is so bad, I want to like fix it now. I get that. I mean, I'm closer to that as well. I, you know, I try to fix the situation, but you have to. You have to give that space for her to calm down or else it just doesn't work. It won't work.

46:18I didn't get my whip. And I assume there's a lot of pressure here too, especially with the kid being brought in. And August says to Colton that she feels like she's carrying the entire, entire finances of this entire relationship. That's crazy. And she literally got a job to help try to pay off your debt. I gave my credit. Well, you just want to be a princess. I mean, I do. And she's not being spoiled at all. And she would love to get spoiled even just once. Well, she is in control of the relationship. She's paying for all the dates. She's paying for everything. Everything. thing and she got the job to pay off the debt.

46:54I pay my car insurance. I pay his tuition. I pay for majority of our groceries. Yeah, she pays when we go out to eat, but mostly that's because she's the one that wants to go out to eat. And don't forget, I want you to be on the next episode of Financial Audit. So go to CalebHammer.com slash apply or click that link in the description below. You'll have a great time and I'm going to roast the f*** out of you. Starbucks is bulls*** and a waste of money and you already know that by making your coffee at home and invest in the rest. So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving.

47:32And 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 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 used to be a really good meal prepper and then she'd be like like she's the person she can't like think her meals ahead of time because if she's not craving it in that moment She will not eat it. I go to Walmart like every f***ing day.

48:12Is what she said true? Is what she told us in the pre-interview a lie? Are you not the one that is carrying the weight of this financial relationship? Absolutely am. Do you pay my car note? I don't pay your car note. I don't have your bills, but I do take care of us. Those are like, you know, your bills. Yeah, most of our dates. It's also hard for me to— Just dates, that's it? Just taking care of dates isn't— I buy her so much shit. Not that she asks She doesn't like a trinket She hates a trinket Because she's a minimalist I'm a maximalist It is so easy A shop for me It would be nothing For her to go to the store And just pick up One half of Pokemon But buying Bullshit like that Is not carrying The financial weight Of a relationship That's not the That's not That's just buying shit That's not taking care Of bills, utilities, debts Shit like that The tuition That's not taking care Mind you She does put herself A bit in the hole You want to talk about Your Your squishmallows are your littlest pets?

49:09I mean, not really, but I will. Oh, she did cash flow it at least out of her savings. How much out of her savings? I mean, when and how much? When and how much? Maybe a little over a year ago, and it was only like$10 ,000. No, it was not. It absolutely was. $10 ,000 from your savings? We have 14 bags of squishmallows in our attic. Can you sell them? No. Why? I don't want to. Oh, so you can sell them. You just don't want to. Dude, 24, maybe even 23 years old at that point, with$10 ,000 in savings is awesome. Better than the average person. And you f***ed it all for squishmallows? This is insane.

49:52Have you ever laid on a squishmallow? Have you ever had a child? Wait, the answer is yes. How about you take care of them? He is well fed, well groomed. He is very spoiled. In a private school, he's in soccer. Yes, but you could be setting him up for so much success, like college in the future, all these different things. I have a sub account for him. Also, the most important thing is as well is a little bit of space, a little bit of independence. And if you guys are going to go into an apartment together and you will just drain your savings for$10 ,000 of squishmallows, what's going to happen?

50:22You won't do it again. You got to build up to it. And you spend more than you make and you're dead at$72 ,000. Shut the fuck up. If we are in financial hardships, all of a sudden no savings means bye-bye apartment, which happens to Americans all day across this country, every day, every second, constantly, and you're not unique. And you'll have to start doing special favors to not do that. And we don't want you to do that. I don't want you to produce yourself if you don't want to. I don't. Yeah, well, there you go. Okay. So, hold on. Guys, what do we think our household, pretend we're combining, we kind of know that big number, our household financial score is zero to 10, zero being the absolute worst, 10 being the absolute best.

51:00What do we think? I'm going two. I was going to say two as well. If you want your Hammer financial score, take the assessment. It is free at CalebHammer.com. Just takes a few minutes to see where you stand in the world of money. Thousands of you do that daily, so you should too. CalebHammer.com. And also, tens of thousands of you are active members of the DollarWise budgeting app. Tens of thousands, almost 100 ,000, because it is incredible. People are changing their lives, and you can download it and start a free trial to see if you like it. And if you do, guess what? Most people sign up for the annual version because it saves almost 50%, and you get my personal 30-day budget meal plan signed by me, just like I did with this one, which you guys get.

51:36I will sign it and I'll mail it directly to you. So no more meal prepping, confusions, not being able to do shit. I lay out every meal, every snack, every drink that you can do for 30 full days. And then you just repeat that ongoing and switch it up, do things around. Well, you want the cookbook too? I was about to say, I was expecting like a hardcover. Well, it's not being offered anymore, the cookbook, but you can have it. limited edition. The meal plan is just more, this is better for what people in the financial situation. Because the cook works good because you can cook a few individual meals, but the meal plan gives you the detail throughout a whole month.

52:09We do like to cook a lot. Big part. You're rubbing me. Sorry. I have a checking account first, which is very rare, which means something's f***ed here. Who has a checking account with$6 in it? That would be odd. You? I carry the weight of the finances on my shoulder and I take care of everything. That's why it's so low. No, bullshit. But then when you said about it, it was just going out to eat and bullshit and buying her trinkets. She also buys a lot of Pokemon. That card is more for my funsies. Your funsies? Yeah. eBay. I do like eBay. Nearly$6 ,700 of funsies. In a month. And food. I don't know.

52:50Is that not funsies? I don't know what I spend my money on. You don't know. Why haven't you plugged into something like DollarWise or a budgeting app of any kind? It's so easy. It's automated. Literally, you literally connect it. It takes like two seconds and it's automated and it tells you everything. I'm never like dying for money. You know what I'm saying? Okay, you have$6. What happens when that minimum payment is owed? I put my cash back in the bank. It just happened to be at$6 when I sent it. Now you're gathering minimum payments because you decided to open a credit card and not pay it off.

53:19What happens when that payment hits? I'll tell you. Either overdraft or return payment fee. I have like$400 remaining on that balance. So it's like right there. It'll be done. We'll see. Depends where your money is. Now with$6 done by the end of the month. Who knows? Who knows if drinks slow down. Tourist season. When is tourist season in New Orleans? Because it's getting hot. Exactly. Yeah, I know. We're dead in the summer. So it comes dry. Hurricane season a-coming. What happens when a big storm hits New Orleans and you're down for a few weeks? You going to make that minimum payment anymore?

53:52Travel. I'll travel dance. She'll go travel. What? Is that a thing? Yeah. You didn't know that? I did not know that. The more you know. There are a lot of girls. What do you mean? Like you literally just go wherever you want. You audition. You get a contract. You have to audition though and they have to accept it. She's hot. Up in smoke. We both like to vape. What is wrong with everyone your age? Everyone your age is a vaper. I was on pills to quit. I was on pills? Yeah. But - Vape? Smoking vape pills? Yeah. Cessation. Yeah. Cessation pills. I don't know. I've never heard of this. Okay. You were.

54:33Are you? No. Why does it even matter? Okay. Well, so my mom switched jobs. I'm still on her insurance for just a little bit longer. So when she switched jobs, I lost insurance for a brief period. So I couldn't get a refill. And then I was too embarrassed to ask my doctor for like a fourth restart. It's a doctor. Yeah. Doesn't give a f***. Yeah, well. Was it working? You have no shame. A little bit. Was it working? It definitely helped me decrease my usage a lot. How much do you guys smoke? She would literally fight against a pill. She'd be like, oh, it's making me nauseous and then still smoke.

55:14Which, I mean, I like to be. I didn't throw up, though. But if I did, skinny legend. Are you skinny? I mean, not really. You seem fat. You don't seem fat. She's not fat. I wouldn't even call her like... I have body dysmorphia, but... Oh, no. I wouldn't have even said you're pudgy. So you think I'm skinny? Thanks. Well, how do you not beat her? I think she's so cute. She is? Yeah. How do you not beat her? She's obnoxious. You get used to it. How much are we spending on vaping? A lot, probably. Two a week at$16 for one. Per person? Yeah. So 16 times two times two? 16 times four? Times four. Wait, let's do that monthly.

55:56She also just overdrafted, by the way. Well, that's exactly what I just said would happen if you have$6. Last night. For what? Okay. Here in Austin? Okay. How? I went to buy her something. $3 ,328 a year. You lose a month's worth of income on your household's vape. Okay, that's actually foul. No. Yes. An entire month that you work goes to the vapage of the house. Okay. That is an issue for sure. If you look, all of a sudden you figure things out. But the overdraft has been fixed. I did put money back on the card. But you overdraft. You head to exactly where I said you're going. You're already there.

56:31That's only going to get worse. It was on my debit though. Yeah. It wasn't on the credit card. It was on my debit. That's where overdrafting is. Dude, listen. What is it by miss a payment on the card? The credit card. Late fee? Okay. Miss payment? Listen, the thing is, I've seen people entering your position and I've seen how it ended years later. You're going down a dangerous path and you have no idea. you are at that point where you might be able to stop. Okay. Just had your overdraft, you are headed into slow season and eventually storm season, even worse. I mean, I do have backup jobs. Like I never like burn a bridge.

57:04So I do have bosses that will take me back. I hope so. But I know you guys are in the middle of New Orleans. Yeah. There's only so much that you can do in your type of industry, backup jobs and all these different things during slow season. I plan on going to Florida, like pentacola to dance over the summer. That's if. Just away from her? That is if she can build trust, which I doubt it. Trust with who? You? Yeah. She's not going anywhere. You're going to leave your son? Oh, she already has. You went on a week. You were going for like two weeks. I was going for a week and a half to work and he does spend weekends with my mom and he loves going to his lolly is what he calls his grandma.

57:45But he likes going to her house. So like when he's hanging out with her anyway, I'll go work. Yeah, you're talking three months. No, not the whole time. Like I wouldn't stay out there for a whole three months. Like Pensacola is, yeah, Pensacola is like three hours. Yeah. Like I can literally go for a weekend and come right back. Why go there? Because they're busy in the summer. Who doesn't go to Florida in the summer? Well, I mean some people, but a lot of people do. I thought that's when you shouldn't go because that's when it's humid and disgusting. But, okay. Beaches? Yeah, everybody goes out there.

58:21Get in the water. Cash app sending$50 out, where'd that go? To her? Or does it say to her? I don't know. No, it's you. No, it's blacked out. This is your account, but you sent out$50. That was going out? Yes, out. I don't know. I would never tell you in. I don't know. I make a lot of cash app payments. Two for what? Sometimes to her. Sometimes she'll get her nails done and be like, yo, can you send my nail person? She gives money for it. Bro, look at those. What the fuck did that cost? Those are shit. Oh! Good back scratches, but shit. They're cunty. No. Yeah. No. They're not her best ones. They're ghetto.

58:54They're not my fave. Oh! Ew. Those nails pick up EBT. Okay, short king. I'm fucking weak. Anyway. What? I'm 5 '9", the American average. How tall are you? Short king. I'm not a short king. Okay. So why would that even matter? It's the American average. So proud of being average. I am proud of being average. Also proud of not having a kid at 18. Good for you. Anyway, these were like 115. No, they were not. What's up? I'm not paying for them. Jimmy John's. Yeah, good shit. I do like Jimmy John's, but she probably can't afford it. I mean, the money was in the account. You just overdrafted the other day, retard.

59:37Literally yesterday. The day before coming on Financial Audit, you overdrafted. Shut the fuck up. Cash shop, about$40. Walmart, that tracks with you guys. I don't even know if that was groceries, though. It's not really expensive. You went inside, got some bullshit. What are you getting at the gas station? Probably pizza and a drink. Gas station, you're getting pizza. Epanadas. Yeah, racetrack. Racetrack has great pizza. They have good empanadas. They do. Thanks, bud. Am I getting too privileged? Am I getting too privileged for this to gross me out thinking about? Ew, it's good. Mark? You're poor.

1:00:13Am I getting too privileged? Why don't you pay him enough? Uh, I don't know. Okay, a salad I don't know. Okay. Oh, he'll get there someday, Mark. He'll get there someday. Give that boy a raise. When he meets his annual review performance. Yeah, absolutely. You got this, Mark. That's what everyone does now. That boy's pizza. I bet that's actually good pizza. I would actually say racetrack is better. What the fuck is wrong with you? And that was for our son. Like, he likes pizza from there. So it's like this big. Do we have racetrack near here? Y 'all have like 7-Eleven. Well, that's everywhere.

1:00:55It's not. We don't have it. Yeah, we don't have that. I guarantee you have a 7-Eleven in the city. No, not in the city. Because I know racetrack. I think we have that in Michigan. To be fair, y 'all's canes out here. sucks so could be different pizza out here so you guys came to a city with lots of good food and got canes it was 3am what do you want us to do break in yeah okay I might ship no we don't have racetracks they're up in Dallas I like Dallas why they have a meow wolf huh they have like cool art stuff they have a meow wolf there's this place called rainbow vomit that was cool I'm just plugging everybody surprisingly do not have a 7-Eleven okay well never mind I was going to get some racetrack pizza from the post show, but we can't even get that.

1:01:41Cash app out, 50 bucks. Again, Walmart. I doubt this grocery. This is probably bullshit. eBay for$72. eBay for$11.66. What? A keychain. It's a Tyranitar keychain. What? I don't know what that is. Did you just call me a slur? Oh, yeah. She's got it. That's him. It looks like a member of the KKK. That's crazy. It does it not? No. As someone that does not look like Pokemon. He kind of looks like Tommy's little dinosaur guy. Rectar? Yeah, something like that. You have a young gravy tattoo too? Yeah. We're not showing that one. Why? It's on my ass. Right under the cheeks. Right under the cheeks? Under the cheeks, but cheeks is fat.

1:02:25It's an autograph too. By him? Uh-huh. On a piece of paper. He did it personally? He did. He is a fan of the show, right? I love you. Is he? Hey, baby. Hey, Ari. What? What's your alarm for? Hey, Matt. Well, look at it in the post show. Behind the paywall. Okay, period, yeah. Yeah, period. I also have Baby No Money's name tattooed, but I'm waiting to get his. Why are you, why? Just why those two? Those are my boys. I love them. Okay. I love, Baby No Money's a really great person, and I love how unserious they are. Whoa, she fully fell for it. Like, I'm sure he's not a bad person. Alex is awesome.

1:03:02I'm sure he's not a bad person. He's vocal about, like, issues. Exactly. That's what you fell for. Because he just goes on to whatever the next thing is. He just posts about it. I don't hate him at all. Again, he wanted to come on the show. We've texted. He's a good— He's probably a good dude. He is. But he's literally the classic online, whatever the next thing is. No, whatever the next thing is, he's an advocate for. So it's like you just kind of fell for it. You played right into his thing. And I will every time. It's good. So keep doing your thing, buddy. You're making money. I appreciate it.

1:03:31Love you, Alex. Alta. Okay, you don't— I self-tan. It's a little light right now, but... In the sun? No. I can't tan. Like, I just get sunburned. Marshalls. New wins. Got some bullshit from Racetrack again. Yeah. You get energy drinks there, too? Yeah. Okay, no longer. You are now using... Gamer Supps. It is 40 cents a serving. It tastes better. It's really good. It's so good. 40 cents a serving using my discount code. link in the description below. Get your free samples to figure out which flavor you like and then either get the energy drink version or the electrolytes non-energy drink version.

1:04:12It's up to you. There's even melatonin versions as well. Check that out. 40 cents a serving. Make your energy drinks at home just like your coffee now. How many times you go to racetrack? Five below. PetSmart. Great, we have pets to take care of. Fantastic. Amazon. Walmart. The rabbits are in my life too. Avian and exotic animal. $100. Yeah, we had to snip them. Snip what? The rabbits? Yeah. They had two litters. Yeah. Dick's Sporting Goods, Amazon, bullshit, up in smoke again, McDonald's, raising canes. You can't say the financial weight of the household is on you when you're just spending it all on literally just pleasuring yourself.

1:04:51I mean, I buy it for her too. Raising canes, which I do not know how a corporate chain like that, even one state away, has such a disparagement. Like, I don't really get that. The seasoning. That doesn't make sense. You know that ship from a factory somewhere, right? No, I'm telling you. It may have been some shitty workers at 3 a.m. It may have been some shitty workers at 3 a.m. But like, even like, you can look at the ticket. It was different. That doesn't make sense. eBay,$18 again. Discount Zone, bullshit. eBay,$40. Wingstop. Ooh, we love Wingstop. Going in and getting some bullshit. Apple Cash, Cash App, Cash App, Cash App, Cash App.

1:05:34Hundreds of dollars up in smoke. Drinks. So get off the strip, go to another strip? Maybe, yeah. Why? It's a strip club, right? That's where I work. And then you spent money there where you work again. How do you not just get a drink? Why are you looking at me? Why aren't you allowed to just get a drink? I was off the clock. I just want to go hang out with her. You go to— You're such a fucking— No, you were just afraid she was getting inserted. I have friends there, too. I like double layer. Yeah, she does double layer. What? You don't go naked on the strip? Oh, no. First of all, it's illegal where we are.

1:06:12You can't titty out? No push. Titty out. I mean, I still nip. Nip's for tits. Oh, well, there you go. That's nudity, but okay. But yeah, she definitely can't do anything. The one we went to as a Hammer Squad once was full. Oh, hello. No, not this pussois for free. It was nice. I like it. But in the lap dances. No, still no. Really? Doubled up. It's kind of crazy. Also, thank you, chat. At the moment of filming this episode, we just hit 3 million subscribers. You see, P. Thank you, chat. Your hand is cold. Your hand is hot. That's weird. Yeah. I have to use dry hands at work. You just got sweaty ass hands.

1:06:49Like liquid chalk. Okay, McDonald's, crawling seafood, getting some bullshit, raising canes, Appleville, McDonald's. You can't complain about her. When you're spending all this money, dumbass, Amazon Prime, Discount Zone, the Where You Work Again, Amazon, Crawl and Seafood. I also missed a shit ton up here. I like seafood. Cutie Pie. You okay? Cutie Pie. Cutie Pie. Cutie Pie. And Klarna TikTok Shop. Chronic migraine is 15 or more headache days a month, each lasting four hours or more. Botox, onabotulinum toxin A, prevents headaches in adults with chronic migraine before they start. It's not for those with 14 or fewer headache days a month.

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1:08:00Don't receive Botox if there's a skin infection. Tell your doctor your medical history, muscle or nerve conditions, including ALS Lou Gehrig's disease, myasthenia gravis or Lambert-Eaton syndrome, and medications, including botulinum toxins, as these may increase the risk of serious side effects. Why wait? Ask your doctor, visit BotoxChronicMigraine.com, or call 1-800-44-BOTOX to learn more. Far in a TikTok shop. Exotic animal thing again. For one. Going in and getting some bullshit. This is insane. It still goes on. You're a f***ed problem. You're going to hold back the entire relationship because your parents have spoiled your entire life.

1:08:34I don't think you're being enslaved. I don't think you know what the f*** you're talking about. Okay, at that point, you just demand a lot. You just demand a lot, and you can't accept any progress that's been done. It doesn't make any sense. And you're not doing enough, most likely, but even still, continue making that progress. But this bullshit at the beginning, like, I wanted to come on because my girlfriend treats me like a slave. No. I agreed to be here. I didn't sign us up. Uh-huh. That's the note I had. Yeah. Exactly. Cheesecake Factory,$100. Walk-ons. Hulu Plus. Jimmy John's. Cash App 27.

1:09:08Cash App 50. Cash App 50. Domino's. Chegg's study? Going to eat some bullshit. Getting some bullshit. She didn't even know about Chegg. Yeah, I got to cancel that. What is it? Chegg. It's like, it basically helps you like do your homework and stuff. Cheating. Yeah. We're not going to call it that. I don't cheat. Of course not. It just helps me do my homework. Uh-huh. Yeah. The Break Room, DoorDash Dash Pass, Taco Bell, Klarna TikTok Shop, getting some bullshit, Apple Bill, bullshit, Go City Tours, Uber, Discount Zone, bullshit, bullshit. Henry's Esquera. Oh, it keeps going. Dead on Decor. Dead on Decatur.

1:09:57Decatur. Yeah. That was like our little we do shit. Oh yeah, we did go out. We had a cute date. So as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner. I actually own stock and I'm an investor. So why did I partner with Course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt.

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1:11:08Just look at graduates like Nemeso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work, and Course Careers guided him every step of the way. And what truly sets Course Careers apart is that it's not just about learning skills, It's about landing a job. Their curriculum is designed based on what employers actually need, and their network of industry coaches will guide you through the entire process, from learning the skills to interviewing, resume help, and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give Course Careers a try.

1:11:41Start with their free intro course linked in the description to explore your options, and when you're ready, use the link in the description for$50 off the full course. Your future starts right now, and Course Careers is here to help you shape it. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated 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. That's a promise. Do you text her this shit too? I mean, text her. Like, oh, I need more and all this stuff.

1:12:15Oh, no. Your little fights? We're always together. Yeah, we're always together. I'm going to review that in the post show. We'll see. Reverend Zombie House. Guys, you spend so much money. R.A. Shop. Going into bullshit. Raising canes. Bullshit. Bullshit. Vet. Pet Smart. Walmart. I think bullshit. Crawling Seafood. Pocanola. That's a Pokemon shop. $48? $48. You don't have money. You just overdressed for the first time yesterday. F*** you. The theater. Bullshit. Theater. Bullshit. Bullshit. Up and Smoke. Bullshit. J &J Seafood. Sally Beauty. Tootie Tootie. Frozen. Raising Cates. Klarna. ATM a draw.

1:12:5640 bucks. Who knows where that went. Thank. It's done. That's insane. Klarna's paid off. I am surprised. Congratulations. It took four payments. Glad that happened automatically without any self-restraint. And then you just overdrafted yesterday. So shut the fuck up. I had the money. I'm surprised that is your first time. Okay. Now all the debts are yours. Yeah. Which means you have an Alta card. I do. What's going on with this? I opened it in 2022-ish. Something like that. It was the first card that gave me like a big credit limit, which they never should have. No, you never should have signed up for.

1:13:37Of course they want to. They're making money. What are you talking about? It was like a$5 ,000 limit when I opened it. They dropped that. What? What is what? What's in your purse right now? Do you want some?

1:13:53What is that? What do you think it is? I'm actually thinking sugar from the look at it from here. It's salt. The claymerton. She just likes to pull it out as a joke. Okay. Speaking of, I know you hate this, but can I go to the bathroom? No. $1 ,873.69, so a$65 minimum payment. You got a bedpan? This takes eight years to pay off. I pay more than the minimum. A little bit, but we'll see how long you can while debt is going up other places. Like, yes, you can in a month. It's like, we'll see. 30.9%. No, no, no. Most of the interest is, okay, 26, and then some is at 30. It's insane. Dollars? Percent interest.

1:14:40Percent interest, baby. Okay, you have a freedom card. What's going on with this? You're spending money on this. Spending money on an interest agreement card that you do not fully pay off and takes two years if you don't spend. Yeah. That has my Amazon Prime subscription. And so like every time we like rent or buy a movie, it goes on there. How about you pay off the cards and use the checking account? Listen, I'll let you use the mine card, debit card that builds credit. I'll allow that. I'll get you both this course career certification when you make no money with your bachelor degrees. Because people in the audience have used them to get six-figure jobs.

1:15:14Yeah. Are you in that now? No. Exactly. you. I'll hear it when I hear it. Amazon, Amazon, prime, prime, prime, prime. Do you have a shared Amazon account? No. Pull up your Amazons. Fine. $80 in fees. Wait, do you want like? Fees. Okay. You've had late fees this year. Two. Yeah. Yeah. Yeah. I pay, I pay more. I pay more. Then next account, two late fees this year so far, three months in. You, you've missed two out of three. You're f***ing at. I'm screaming, my bad. Do you not care about that? I care. August. She's had two of the three months late this year. Are you actually? Dude, that purse is cute.

1:15:55Yes. She's talking about the damn purse. Yes. Do we not give a s***? I mean, obviously. I give a s***, but that's. Then what are you going to do? What are you going to do? That's your wife. That's your almost wife. You were about to be your f***ing wife. You don't give a s***? Are you guys going to combine accounts? Where are you going to combine accounts? I don't. She wants to combine accounts. I've kind of been against it. What? $429 couch? We're moving out. You can't afford that. Go to Facebook Marketplace. You don't have any money. We actually have a couch. There you go. Smells like dog. I don't give a shit.

1:16:28You have dogs. I don't have dogs. Okay, fuck off. You don't have money. It was a free couch. Exercise mat. Don't have money. Oh! Kink bed frame. You don't have money. Sleep on a mattress. You poor motherfuckers. Become not poor. by not being dumbasses. You guys actually make six figures a year combined. Yeah, like we're not poor. Yes, you are. That's what I'm trying to say. You don't need to be. You shouldn't be. I'm not asking people for money. I have the money. No, you don't. You overdrafted yesterday. Are you? Money went back onto the card, though. Yes, no shit. After you overdrafted, you don't have money.

1:17:03I just saw you checking the account. I ain't doubt it. Shut up. Endless charging cables, a dumbass purse, clothes for days, carpet cleaner. That one's actually fine. Metal tough feeder for rabbits. Okay, I'll accept. Lego floating shells for your Lego bullshit. Fuck you, it's stupid. Blankets, you don't need it. Dog pee pads. Why do we have that? Is that for the rabbits? Yeah. You need a clipboard folder. You need multiple clipboard folders. You need a thousand clipboard folders and notebooks. You need that fucking Pokemon backpack. No. I got a different one. Shut the fuck up. Spray things. Flexible tripod.

1:17:37What are you doing? When you like to know. Yes, what are you doing? I actually don't know why that's in there. You purchased it for$20. I didn't buy it. No, it's in the cart. It's in the cart. Oh, I'm looking at the cart. Why is it there? Is this for the OF? Maybe. So you're actively doing this? No, we're not actively doing it. But you're buying it for it? It's been a conversation for a long time. So you guys are doing it. You guys are going to do it. We're talking about doing it. And where do you stand on this? I'm never disciplined. We've been talking about it for like a year. Where's our opinions?

1:18:07I need more trust in the relationship. I don't know. For what? Do you want me to get out of my cart? I don't think you'll ever get trust, though. From both ends, I don't think she's ever going to do what's required. And I also don't think, I think your goalpost will always move. So I don't think you're ever going to have it. I mean, we did have it until, like, the lying's been more recent. Yeah, lying. I mean, you were cheating, essentially. You were doing something behind the back that the boundary was said no.

1:18:36Yes. Okay. And you ask her why and like you can't even get an answer for it. I don't like card compost. You're getting Funko Pops and all this bullshit in your purchases. It's so stupid. You have 33 things in your cart. Can you go to my... I'm being abused. Legos in her carts. Oh, okay. You have about a trillion Legos in your carts and stupid shit. Let me see your purchases. Let me see your purchases. Shut the fuck up. Okay. This is bullshit. Okay, the t-shirt was for our son's school fair thing. Beats Bullshit It's just Endlessly It's just It's just Stacked with bullshit This is so stupid What a waste of money Your entire life Is a joke Okay What is this True Accord Outstanding amount Of 277 I don't know What this is for Uh That's my Klarna It's in collection Oh Yeah I It was so long ago Though I forgot what it was for Your It couldn't have been That long ago I don't know.

1:19:38$277.07. How'd you even get approved for this apartment? My credit score isn't that bad. What's your credit score? It's like 670-something. I have credit card mail. Mid. Can you look at it? I actually got an email yesterday that my score went up. What's your score? I don't have a credit score. You just opened a credit card. I just opened it, but I don't have... You put that much on a credit card you just opened? Yeah. That's so f***ing stupid. Okay, what's this? Affirm, right? Is that me? Yeah, I don't have a firm. Klarna. Your Klarna. My Klarna. Because eBay is over and over and over again. Now you paid it off, but it's just still.

1:20:12It's money you are spending. Instead of your future. eBay, eBay, eBay, eBay, eBay, eBay. Then your new credit card. Yeah. Was to$2 ,000. Brought it down to$400. But even still, it's aggressive. It is interest accruing. It is bad. Not for 15 months. Oh, my. What's your minimum? Probably like$25. I don't know. it's set up on auto with a full balance no obviously not no it's not she makes minimums and she's gonna get so just headed down that path I don't make minimums I've been paying it off a little more but even still you're not paying off the balance a little more the only way you are allowed to take out a balance is if you pay it off what what do you want I just opened that card I put it on there and now it's already down to 400 I feel like that's pretty good but it's not down to zero you cannot purchase it's not a credit card this is just it just shows how the behavior is going to go into the interest accruing period.

1:21:06You cannot open a credit card if you cannot fully pay it off. That is the entire way. Can I just close it when the interest sets in? No, I would just put gas on it once a month and pay it off immediately. That's what I would do. 30 %? It will be. Isn't that the goal? What? No. Because this is going to be accruing interest. You want to be under that. No, no, no, no, no, no. Shut the f*** up. You want to be under that or else it's a f*** credit. Okay, fine. But you can still keep it at$0. You'll be fine. Just spend gas once a month on there. Okay. What? What is your issue? I'm bad with self-control.

1:21:39Then you shouldn't have access to the abilities to spend money you don't have. There you go. Take away the tools. Discover it. Almost paid off. Yeah. That one's on auto-pay for the full balance. I'm going to cross it off. Yeah, I see. But it's still money you do not have that you're just purchasing. And it's on the bullshit that I just saw. Prime Video, Etsy, Prime Video, Prime, Prime, Prime, Prime, Amazon Prime. This is stupid. Yes. Is that not the one that our kid was spending? I thought those were on the chase. No, you have no idea what's going on. Ever. About anything. That's crazy.

1:22:27Do I pay for two? Two what? Amazon accounts? Yeah. Because are there ones on there? Chase Auto, what is this? At a 12.74 % interest rate. What's your car? That's my new car. New car? What did you get? I have two cars. What did you get? I got a 2025 Chevy Trax. Why? $33 ,129.97. Always the strippers that get a car they can't afford. $679. Going into the slow season, your income fluctuates way too much. And it's already worth only 21 ,000, you're underwater by 12. 12 ,000 that you just got on a car. You're underwater by 12 ,000. Well, my other car had like something wrong with it. Doesn't matter.

1:23:09Give him 10 ,000 an hour car. Something. You don't even know what it was or what the cost would have been? I'm a girl. No, I don't know. Take it to someone that does. Bring the butch one with you. God damn. Masks. Mask lesbian. Yes. I'm not butch or dyke or any of those other things. Well, I wouldn't call you that. It's just a little offensive. You'll be okay. I'm not butch. You can cry to her about it later. Like if I looked like you, it'd be butch. Yeah, yeah. No, bear. No, that's a gay man. Exactly. I'm a man. If you looked like me, you'd be a bear. No, you don't know what twink means. Twink is skinny.

1:23:49I'm sassy. You don't have to be skinny to be a twink. Yes, you do. Yes, you do. Oh, he's saying yeah. Yeah, trust the gay. Fine. Fine. Fine. You don't know what you're talking about. Fine, Chunker. You're like, you have one of those. Whatever. Yeah, no, no, no. Bear. Chunkers, yes, bear. I always thought of it like a bear. What am I? He's not a bear. Put me into something. Put me into a category. A tubby custard. If I had to, it would be like. A chubby twink. Cub bear. Cub bear. Okay, a little cub. Little transition, cub. Cub. Whatever. I'm a cub. Put those away. No, right. What? Your whiskers.

1:24:26You don't like them? No, I'm a lesbian. You don't like them? Uh, no. What a bitch. She likes them to look like babies. You like what? Huh? I don't, I don't. It like gives like brush burp. It's like a trim or something. Huh? I don't like her lips hair either. I do shave. Yeah. Okay, dude. This is a minimum payment that in the slow season terrifies me. Of$679.61. And I do still pay my other car too. So I'm paying like almost$1 ,000. A month. What? For cars. Okay, I was by my, like, salesperson. Oh, shut the f*** up. You don't get f***ed by a salesperson. You fell into getting sold. But he convinced me for whatever reason.

1:25:11What do you think a salesperson is? Not trade in my other car. He convinced me to sell it myself. Because what do I know? I'm a girl, Caleb. I'm just a girl. So girls are re-f***ing. Congratulations on the day we hit. I'm a young ho. Today, because of your logic on May, no, no, no. March 26th is national something, I don't know, payday. You know what that means? No. This is for the last calendar year, apparently, for the math that what men made from January 1st to January 1st, you guys now finally made from January 1st of last year to now. It took you an extra three months to catch up. And you're advocating for that because you're saying women are rich.

1:25:53Don't deserve money. I don't think women are rich. Well, you owe 70 cents on the dollar because of you. You're bringing down your entire marketplace. I'm sorry, girls. I'm just a girl. It's an excuse for everything. F*** you. Your fault. No, I'm your birthday. And I'm happy you cost less. Unfortunately, it requires your family keeping you at a job even though you're not qualified for it and you'd be fired if your family wasn't there. So what do you owe on this old car? I think it's like 7 ,000. Oh, next page. Oh, it's this. It's the one on. Ew, it's under seven. Oh, you guys deserve to get it.

1:26:32$6 ,707 at a 10.46 % interest rate. Are you not Jewish? Huh? Are you Jewish? No. So you can make that joke? I can make jokes about anything I want. Whether or not someone chooses to be a friend it. Period. Huh? You look like a small and wide little dickie. What's a little dickie? You don't know a little dickie? Hi, I'm Dave. Huh? You know, white crime, shit like that. Is it L-I-L, dicky? Yeah. How do you spell dicky? With a Y? Dick Y? Really? I mean, he's like full, like afro. It's a perm. Okay. Oh. I love that you claim it, though. That's a choice. Yeah, I don't care. Why? Does it not look good?

1:27:13It's a little fallen. Yeah, yeah, I don't know. It's time to re-perm. We all want to know, what makes people tick? How will they make decisions? handle feedback, and work as a team. The Predictive Index Behavioral Assessment reveals how employees actually think, work, and thrive, like how Marcus fits in a role with structure, and Margo's strength is collaborating with others, because when we understand each other, work just works. Take the Behavioral Assessment today at try.predictiveindex.com. Today didn't work out very well. It was actually kind of weird. But, like, I don't know what happened.

1:27:51That's also not good for your hair. It's okay. I take finesse right. I'm fine. Trying to see the hairline? It's fine. I got a big forehead, but the hairline's good. Yeah, that's pretty good. Yeah. No, I'm not Jewish. Okay. Would you care if I was? No, I'd feel better that you made the joke. I actually have a friend who loves a Jew. Oh, yeah, we do. I would have put her on. $358 a month, so that's on top of your previous car payment. You have a child. Why did you get this car so expensive and so stupid? So that I can safely drive in places. What? Do you think every car before 2025 was immediately you get in it and you die?

1:28:32No. You're a stripper. Okay, but also I'm not good at taking care of cars. And this one comes with the app. So it tells me when I have to take care of it. You were engaged to the most people I've ever born. Not engaged. I said you were engaged. It tells me when I need oil change. It tells me my entire posture. Helpless. It tells me stuff. Literally go kill yourself. In Minecraft and not literally. I actually die in Minecraft a lot. I don't play anymore. It's a kid's game. I don't have the dexterity. Dexterity. It's a kid's game. Yeah. I'm good at Mario. You're dating a broken individual. Okay, you have 39 ,000 hours of suit alones.

1:29:1629 ,000 hours of suit alones. Oh, really? that's not good you're not done $29 ,865 the minimum thing is going to be like $250 $300 $350

1:29:33on top of all your other debt that you really can't pay off so does that mean this Chase checking account is yours $329 well better than her I don't have a checking or with Chase I don't have a checking with Chase so you have two yeah what the fuck well I keep one okay went from$200 to$300 Now, Jadier, you're transferring things back and forth. Yeah. And you had an overdraft fee actually the other day. So not even just yesterday. So you've actually had multiple overdraft fees. So you actually have no idea what you're talking about. So shut the f*** up. Do not defend your financial position in any way whatsoever.

1:30:03You're broken. You have no idea what's happening. You're broken. You have no idea what's happening. Shut up. Mm-hmm. That's me. Okay. You have like a thousand different accounts. I don't fully understand why. So one of them, I have a sub account for. What? I'm so confused how you're the one that is doing better. Like kind of. I mean, you have more debt and the car is. Do you actually have 7 ,000 in savings? Yeah. Well, that is. How is the literal one doing better than you? Because that's for her kid. Part of that is like already like put to the side because I pay. So my mom, like I said, she pays like half of his tuition.

1:30:42so 5 ,000 of that next year is going straight to a tuition. Tattoo supply, real skin USA, nails, Amazon, Amazon, getting fucking vending machine bullshit, Amazon bullshit, Amazon, Amazon bullshit, where you work, discount zone. I think we have one of those here unless they use that name for a lot of places. Is it a chain? Yeah, it is. Okay. Never been, but I've driven past it. Avian and exotic animals again. So you guys go there every second of your life. Vaping, Chinese, cash app, cash app, up in smoke again. Bullshit. Going to work. Amazon, up in smoke. Fucking the boutique again and withdraw and withdraw.

1:31:32Yeah, withdrawing,$679. Who knows where that went? Vaping, cash app, cash app. That sounds like it was my car. Cherry kitten, apple cash. Oh, okay. Starbucks, bullshit. Nails again. Ideal market. Well, bullshit. Cash app out. Uber Eats. You don't have money. I think that was what I was saying. Parking, I think. Cash app, cash app. Apple bill. Vaping. Southern images. That was my son's school pictures. Don't start an OnlyFans. Why? Because your kids' friends will find it. at some point. It's going to be very embarrassing. And one of you would be decent to masturbate to, and you do not want your son's friends to masturbate to one of you.

1:32:22To be fair, you have not seen me when I'm at work bartending. Body is T. That waste is ridiculous. Are we going to budget as a householder independently? Because we should do as a household at this point. I think so, yeah. Okay, so household income.

1:32:41Okay, let's get your debt monthly payments. I am, um, I did get a planner for it. Good, proud of you. It was free too. Wonderful. That's where I was. How many guys are you texting like this? How many guys is she texting like this? Two and a half. Three. What is in a half? Two and a half. One of them's kind of falling off a little bit. Why? I mean they all live far away Yeah they do So he fell off or you fell off Why are you texting them If you're not getting anything Why are you texting them Companionshipy Oh wait what the What do you mean What do you mean You read the text Okay we'll continue that in the post show I'm going to look at all of them Here we go Okay What's your rent 14 Oh New rent The soon to be rent Yes Utilities Estimated It's included Okay Okay, is that including the internet?

1:33:40Gas and electricity? Yeah, all of it, yeah. Good. Okay, debt monthly payments,$1 ,167.61. Student loans will go on top of that unless you go to grad school, but then even knows who knows what we're doing. Phone bill? Mine's like 71. Okay. Mine's paid for. Okay, 71. Gas, vroom, vroom, drive, drive. I would put it high up there because we both drive to school. Well, tell me where high up there is. Maybe 50 a week for me. Okay, so 200 for you. Yeah, let's just put it in that as well. How much for car insurance? I pay mine six months in full, so. What is it? I think it's like 14 for the six months.

1:34:23Okay, 233, you? Mine's taken care of. I don't understand how you're f***ing all this up. You are the issue. Yeah. Kind of. I mean, you're getting worse. So 233 a month for you, 234 we'll call it. Groceries, well, kid and everything. We should be able to do about 800, follow the meal plan. They got to do meal prep. It's pretty good, so you're okay. TP food, anything else for you guys to survive? Rabbits. Tampons, morning after, all that good stuff. $250. $80 for the rabbits. Okay, yeah, I'll put that in the pad. Okay,$80 for rabbits. Medical health care, their co-pays and shit on a monthly basis.

1:34:58Ongoing. I do get sick a lot, so probably like$20. Okay,$20. Subscriptions, I'll put$50. Okay, anything else that needs to be in this budget? I need to know now. My nails and hair? Like maintenance? Oddly enough, actually, it might be justified for your work. Okay. So here's the thing. I'll give you$1 ,000 for whatever. Are you a contractor? What do you mean? Okay, go. In Minecraft. Oh, I am a, yeah. I'm giving you$1 ,000 for whatever. You put it towards fun, you put it for anything. It doesn't matter. And yet, even still with that, you have an extra$5 ,000 left. so be easy you guys just control your spending you guys are absolute morons 72 ,845.65 yeah it is you guys are stupid of even needing to be on this show minus student loans 42 ,000 mark minus okay let's just call it uh 42 ,000 dollars of what's left by five thousand dollars literally takes eight and a half months and you get a fully funded emergency fund call that an extra eight months or whatever a year and a half you guys have a fully funded six-month emergency fund and everything and then you save up for retirement you guys will be fine that was the easiest world shut up you guys are just control your spending a budget budget together shut the up children we'll get back into that crazy shit and go through everything that's going on in the post show so make sure you stick around for that let's get their hammer financial score first together spending in a budget over uh zero out of ten because you overspent debt there's collections zero out of ten emergency fund, but that savings for the kids.

1:36:32Okay, there was like $2 ,000 also additional. $2 ,000, so 2 out of 10. Retirement, I didn't see anything. 0 out of 10. Real estate, 0 out of 10. You need to start saving for retirement now. In a year and a half, you'll be able to. You'll be able to actually have a pretty good retirement together. So, Hammer financial score 0.5 out of 10. Get yours at CalebHammer.com. Join Hammer Elite by clicking that join button. Join us for an extra 20 minutes of this in the Financial Auto Post Show and three premium shows posted every single day, six days a week. See you guys there. and thanks for 3 million subs.

1:37:00Bye-bye. At the end of that conversation, you said, no, for emotional and extra shit. Yeah, what the fuck do you mean by that? I mean, not emotional. Please, go into it. Tell, because she's not happy about this. We've had those talks. What are you getting out of this? I like to flirt. So you want to watch him jack off? I like to look at it. Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated 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.

1:37:31That's a promise.