Str*pper Stormed Off Financial Audit

26:59It's a repeated cycle. oftentimes, and you're bringing someone into that before you're even ready? Again, it's not much. You just pay off your debt before you've run out of emergency fund, then, yeah. Knock it up. No, I understand. Stick it in the bottom towel, then. I understand. Right? I personally don't like it up my ass. Okay. I do like to try. Okay, okay, okay. You want to start fighting? So it's an interesting time to bring a kid in again because you're bringing it into a repeated cycle. Seems pretty selfish. What's the best way to break a repeated cycle than with a completely unexpected thing to help you realize what the f*** you're doing?

27:39Um, you've been pregnant for... How many weeks was that again? Uh, almost 20. Yeah. I have your spending just a couple weeks ago. And a lot of it is what? Bill's, right? He's got the chart. He's got a pie chart. How much wind going out to eat? Last statement, last month. Oh, you can blame her on that. Well, how can I have a number? Perhaps? Let's see. We probably went out twice, maybe. So, $150. Okay. How much? What do you think? Come on, you were there. I don't know. What do you think? What would you think? Just based on what you experienced. Just a guess. A guess, lady. $100. Very good. It was$1 ,000.

28:23So, you guys are f***ing, yeah, you guys are f***ing. That plus your mortgage and you're way over. Yes, that was literally going out. Like restaurants? Yes. Yes, you f***. You absolute t***. What? Yes, you f***. Welcome to Numbers. I know you also seem to blame her a lot. Does he blame you for all the debt? He does blame me for some of the stuff. I don't blame her for the debt. It kind of does feel like a lot of this is my responsibility. Why? I don't know. Whenever I was stripping, it felt like all my money was pretty much just going out the f***ing window. For his debt? For your debt? Yeah. I mean, whenever I was working in Louisiana, I was making like$800 to like$1 ,000 a night.

29:11Still don't understand it, but that's good. Like, I don't know. Like, it's a shitload of money that should like last like a while. Like, I don't know. But like, it was just like gone. Like that. Gone. and then it would be like the end of the next week he'd be like oh you gotta go stripping again and like make all this money up he said that well she would go it was always like be like a she went like we're gonna be like really bad if I don't make anything she went like two whole months this is gonna be insulting but when I'm curious about something I'm curious about something so I'm unfortunately a filterless person what the f*** do people like what do you mean what do people like I don't know I would just talk them up I would just chat them okay it's the flirt yeah cause I guess you're young if people are into that.

29:59Specifically 22, that's right. Yeah, it would usually be I don't understand. What is there? What's going on? I don't know. What do you mean? You just look like a person. This is like just a very normal basic average person. I would just like be like really bubbly and cute like the entire time. I guess the rooms are pretty dark. Also, I know how to throw that. I know how to throw it back. She does have it. She makes up for it in the back Yeah, yeah, yeah, yeah, yeah Especially now with her getting pregnant You have to It has gotten bigger Well, that happens Those have gotten bigger They were smaller If you can believe that That's possible, okay Yeah, yeah, they were a lot smaller Let's see I'm gonna go 3, 2, 1 And on point I want you guys to give me At the exact same time What you think your financial score is For the whole household Both of you combined 0 to 10 0 being the worst 10 being the best, okay?

30:53We get it? Same time Three, two, one. Zero. Zero. We did not understand the same time, but I appreciate it. If you want to get your financial assessment, take the Hammer financial score quiz at calebhammer.com. It is free. See where you stand, where you're doing well, where you need to improve, where you completely. Take it. And then make sure, if you don't want to be like a guest who ends up on this show, sign up for the DollarWise budgeting app. There's a free trial. And if you like it, you can save a lot of money by switching to the annual version. And when you do, I will sign my budget-friendly cookbook and mail it directly to you.

31:28Learn more about DollarWise, the brand new updated DollarWise at DollarWise.com. All right, let's get into these documents because there's quite a few. Quite a few. Lots of paper lately. I'm getting lots of applicants with lots of debt. You're welcome. It's exciting. For$2 ,000 a month, it's very scary. We don't know how your income converts. I'm going to guess it's probably going to be an additional 15. You know, what are you on the calendar for, the schedule for? How many hours a week? She don't know. I don't know. They haven't told me anything. But you don't know your schedule? No, they haven't said shit.

32:08What if your schedule's right now? That's my exact same question. I'm joking. Really? I told them I was going to come here. Because I wanted to obviously make a budget too. because obviously I have no idea how I spent$1 ,000. Well, speaking about not knowing how, I do have a note here. This debt, you don't even know about. He sent this in and you don't even have a clue, apparently. If you've Googled learn how to code more than three times this month, it is time to stop searching and start training. There's a reason you keep bouncing around. Most programming courses just teach theory, leaving you to figure out how to practice on your own.

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34:07Let's talk about student loans. I know it's something we all avoid talking about. but if your private student loans are crushing you, Y-Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number. Interest rates, under 6 % guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill and even a co-center release program so your mom and dad can step off the hook. Y-Refi is known for their personal service.

34:46No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Y-Refi wants to help you climb out of debt, not push you further into it. Check them out at yrefi.com slash hammer. that is y-r-e-f-y dot com slash hammer or call 888-973-3978 that is 888-973-3978 break free from the high interest trap and get your finances under control once and for all i mean i know he's in debt i just don't know the first ones here are the ones she does not know about no why doesn't she know about these well so like the first main one um i kind of didn't want her to pay for all of my debt and so i kind of wanted to hide a little bit of it yeah she can't be aware and not pay at the same time i i mean i guess i mean he asked me to help him with his debt but like this is unknown this is unknown he didn't tell me a number so i started to get tired of her being, I guess, scared or paranoid about the money.

36:05Were you? Yeah, it did put me in a mood. How'd that go? Tell me about it. I mean, so, I mean, we got into a few arguments, of course. There were times where, like, I would come home and I'd ask, like, hey, what are we having for dinner? And she really wouldn't know because we wouldn't have anything.

36:31I just don't want her to be doing everything for me are you? I mean for a while kind of was why? why was she doing everything for you? well so whenever we first started talking and we got together she helped me out getting like my money together and she helped me out with a little bit of her money to get a truck. I gave him$1 ,000 for that truck. Have you ever done anything yourself? Sorry. It's okay. What's going through his head right now? Don't grab his dick. We're not in the strip club. I was grabbing his leg. What's going through his head right now? I don't know. He doesn't like to discuss this stuff with me, I guess.

37:20He's always kind of deflected from these conversations. Is that fair to her, though? If you guys are engaged, she's pregnant. She has full not converting child. Like, this is important times for her to be informed on the situation that a baby's about to be born into. Yes, that is true. She should be informed on everything. But I also don't want her to be worried about every little thing. Like, I don't want her. because no matter what, like, look, I know it's horrible to say, but if I have to miss a mortgage payment and them yell at me for 15 days, 30 days, while I keep the electricity and the water on so that she seems okay, and if it comes to the point where we lose the house and we go back to my parents, I don't want her that whole time being stressed out about it.

38:17Then why the fuck did we spend a thousand hours going out to eat? I would be on your side I would shed a tear with you I'd even give you a tissue you spend a thousand hours going out to eat that's unacceptable if we are a$1 ,300 a month mortgage on$2 ,000 net income right now a thousand hours going out to eat already pushes over our entire budget and we're complaining about not keeping the utilities on you can't spend almost your entire mortgage which is already way too much of your money you can't spend half of your income going out to eat and then cry about a mortgage and then cry about utilities You can't.

38:49I mean, I'm not even crying. I'm not crying about that. Don't say I'm crying about that. I'm crying about the state that I'm putting her in. Okay. Then why the f*** are you doing it? Because that thousand was spent. To try and keep her f***ing happy or something, I guess. I don't know. What are you? To keep up the f***ing illusion. Are you a dog? You have to spend on bones to keep her happy? A thousand dollars a month when we can't pay our bills? She's going to be a mother of a child in a house that is financially unstable. I think that is what's going to provide more unhappiness than anything else.

39:18That's a fair point. That's, I mean, I hear you there. I mean, I would have much more respected honesty and been like, hey, we need to go on a budget plan. Like, we can't go out to eat, like, as often as, like, you want to. Well, if that's the case, I've told you that many times. I mean, he didn't really, like, fully put the brakes on. And so I didn't know where the stopping point was because, again, I wasn't fully and I guess I wasn't fully informed on like what the was going on because he kept on telling me everything was OK. I would tell her everything is OK. Then we wouldn't do anything, though.

39:55So, I mean. Well, how do you feel about the fact that he did lie, even with positive intent, potentially? He did lie. Thoughts? I'm I'm I'm a little stunned. Like, I don't know. She's in the blank right now. Yeah. Well, here's one of, by the way, two debts that you've never even heard of or known that have existed, by the way. So let's start with number one. Yeah. Yeah, exactly. Zapple. $9 ,057.18 with a minimum monthly payment of$271.49. By the way, on the$2 ,000 income, what are we at? That's like 15, 12, 12.5 % of our income to one minimum payment. One minimum payment. And you didn't even know about.

40:42What the fuck is this for at a 24.2 % interest rate, by the way? Horrendous, disgusting. My credit cards were at a 32. That's better. Oh, you're telling me it's a consolidation. It is. I knew he was doing consolidation loans. I just didn't know it was that bad. Where do consolidations lead us? May anyone please tell me. Yes. You have credit card balance. You drain it to fill the consolidation, but all of a sudden now there's a big old money we can spend, and then you spend it, and then we're in double the debt. This is how it always works. Every time, either through bankruptcy, consolidation, credit card transfers, you name it.

41:21Those are incredible tools. Incredible tools, but only after you change your behavior. And I get, I mean, I just saw a thousand dollars going out. Okay. Okay. Hey, what was the outflow last month? Outflow includes interest accruing. But what was the outflow last month? We know what came in. It was nothing. Outflow was probably about$3 ,500. Dude, your payroll was literally$1 ,254 last month. Oh, okay. $1 ,200 was paid. Were you stripping it this time? No, yeah, I was. I was. How much did you make? I think she was just finishing. How do you pay? You put it in the ATM? I usually kept it cash. unless he was paying bills.

42:05If he was paying bills, then he put in his bank account. I don't know then. What was the outflow? Inflow is probably like 3 ,000, 4 ,000. Yeah, that's why I said 3 ,500. For the inflow? Well, no, the outflow. What do you think? Outflow, 3 ,500. What do you think? I know it's a guess, but what do you think? Come on. I don't know. You see the life around you. What do you think it's spent on a monthly basis? This was the entirety. Come on. I don't know. Dude, just picture your life. I need you to have some kind of reflection.

42:37$5 ,891.06. Bringing a kid into that? What a joke. What a joke. What are we doing? You guys aren't ready to be parents. You might be loving, but you're not ready. Like, for some reason, I still feel like it's my responsibility. I mean, you're already on the right track because you have a job now. It's not going to bring in much. I know it's not, but it don't help. hours. Like, this is confusing. In a lower income, lower cost of living area, it's not going to be money. It's not going to replenish the stripping. It's not going to replenish the stripping. He kept on telling me everything would be okay if I had to quit my job.

43:17Like, I was, like, fully thinking everything was going to be okay. And you fully believed it. Why would you tell her this? That was when I still had the car wash job. Okay, which brought in$3 ,000 a month instead of two. Four. Four. Okay, you still spent$6 ,000 last month. How would that have still worked? Well, I wasn't in debt at that point in time either. When? When did we not have debt? At that point in time, I did not have the Zabble or the One Main. Oh, but the other debt we had. So you still had debt. It was mostly gone. It was mostly gone. When? When was this? I've paid this debt off at least two or three times.

43:50When was it? That job. When were you fired? In March. Of this year. You have accumulated, besides the mortgage, approximately... I'm going to do the math. You have accumulated since literally March $51 ,000 of bad debt. $51 ,000. That's outside of the mortgage, ladies and gentlemen. $51 ,000! So, so, you knew all this and you still wanted me to get you a PS5 for Christmas. And you got a$3 ,000 computer. Shut the f*** up. You told me it was going to be okay. You could pay for that. Is your credit good? Is your credit cards good? Yeah, but I still have$700 on my Discover card. You told me you were going to give me the money back and I would have that paid off.

44:46I still don't. The previous... I never said I would pay off the PS5. I never said that. You told me you'd help me with it. I have had zero help with it. You have given me no money for that. and whenever I was stripping, you barely gave me any money to really pay that. I said that I would pay for the gun that we bought on your card. Did I not give you money for that gun? Yes or no?

45:16She's laughing because she knows I'm right. I never said I would help pay for that PS5. Not once.

45:29November 29th and get$5 off your merchandise purchase of 25 or more from December 6th through December 24th. Plus, Burlington is donating 50 ,000 new coats to help those in need nationwide through our partnership with Delivering Good. We've been keeping you warm for over 50 years. We'll see you at our coat event. Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details. The gun? Yes, I will agree to that. Okay, well, you didn't like help me help myself, I guess. Because every single time I got money... Help me help myself. Every single time I got money, like, it all went to you.

46:05Like, every single... Okay, correction. Us. It went to us. It went to us. It went to us and you. Like... Yeah. I could have paid off my f***ing card for one night stripping. Like, I could have. Would that have fixed our situation? No, not really. Okay, thank you. But I would have had less debt. Your debt is not the problem here. I know it's not. But I could have helped you. I don't know. Some. You can, what the, you can still help. Are you, are you that special? I just hate having$700. I understand. I hate having$27 ,000 in debt. That I didn't need to take on. Like, I, like, I, like, nothing gets spent on me.

46:44Like, ever. $1 ,000 worth of f***ing restaurant money went towards you. The f*** are you talking about? I would have rather it have been something else. I don't know. Okay, then don't ask for sushi every f***ing day. I'm pregnant, so. F***ing make it. We're on WIC now. You can f***ing buy that f*** and make it. You're going to fill out the snap or the tan or whatever the f*** that format? You're going to fill that f***? Are you going to answer a yes or no question when it's an open-ended? Yeah, she asked me a yes or no question and didn't know how to f***ing answer it. Sorry, you can't. Wait, wait.

47:18We are in Texas, right? Mutual combat does count, right? Okay, that, um... Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year, because that is where my passion is. We finally did it, and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff, and finance all the way to the advanced stuff.

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48:36How much comes in with WIC? What does that go to? Uh, WIC is strictly for the groceries. Uh-huh. How much? We get... What is it? It divvies. Uh, they give you, like, basic... They'll give you bread, milk, cereal. They'll give you? No, okay, correction. They'll not give you. You can go shopping. Yeah, but how much can you get a month? What can I contribute to the grocery budget? It's separated, so there's like a fruits and veggies budget that they give you. I think it's like$47 that we get. Yeah, it was$47 a month. And if you don't spend it all, then it just goes out the window. And then we get X amount of pot.

49:10I don't know the exact that we get. I want to be able to contribute to the grocery buses so we can put less cash towards it. Well, the computer was bought with the Zabalon. It was... Wait, what? So, it was... It was a gaming computer? I built it, yes. The hers? Her little$3 ,000? Oh, now that you've calmed down, it's ours. Well, I mean, she wanted it, but do I use it? So, it's gone down to ours. It's become ours. Streaming? No, she plays this game called Planet Zoo. You never... I can't play it anymore, because, you know... What do you mean? You can't play it anymore. I'm never f***ing home, and if I am home, I'm focused on other things.

49:54Maybe you shouldn't have a tattoo apprenticeship. You can have more time at f***ing home. Oh, okay, so I shouldn't strive for my career. You don't f***ing make any money in it. You don't make money for a f***ing while, but once you get the clientele, you can make some money. Now here's the most important question. is are you going to get that clientele?

50:23I'm just saying, like, you can do all this drawing, but, I mean, you're not even doing anything on skin. You're not doing anything on fake skin. Yeah, because I don't want to f*** anyone up on real skin. I understand. Because that's kind of, you know, a little bit permanent. How often do we communicate like this? Oh, no, we usually b**** at each other at this point. Oh, this is communication. Yeah, no, this usually goes down the... Yes, I'm asking how often. Oh, um... We have a lovely conversation at least once a week. Once a week? I'm surprised it's that little. No, it's more like twice a week.

51:01Oh, okay, maybe. Yeah, the women are better remembering, typically. He usually starts the b**** bit because she can't calm the fuck down. She'll remember that, but she won't remember anything else. Well, no, no, no, women, yes. Women, you, yes. You guys do better remembering arguments. He forgets them and I'm just like... We move on. Actually, I remember the important parts of the arguments, the fundamental parts of it, but okay. He's always right. No, there are many times I've said that you are right.

51:32I can't even count on one hand, okay, how many times you have said that. Did I... You are bullshitting for the camera. Did I not... You were a bullsh-t for the camera. Did I not blame the government for asking a stupid question? Yeah, after we had a whole b**** bit, and you called me a f****** ass. Because you asked me a yes or no question, and you told me that you didn't know how to answer it.

51:58Yes, no. No, yes.

52:04I will agree that I do get, you know, heated at times, and I do get loud. but if you I don't know look past that Levi's always right Levi's always right that's all I need to know and Pixie's always wrong

52:22I will say from a debate tactic you do shut down and stop yeah I do and he knows that he knows that if we're strategically trying to win which I don't think that's not necessarily how we should be having these conversations I'll just say and then Mr. Levi you do get a bit personal yes I do which

52:46isn't necessarily best for these type of conversations I will also say fair yeah I agree with you I agree with you I could work on my tone of voice and how I come out and Colton just texted in here and this is why his conversation with you guys was four hours long before he came here. Sorry.

53:12Oh, he enjoyed it though. I'm sure he did. I'm sure he did.

53:19Slowly turns next page. It's just like... Sorry, microphone. And you're telling me the conversations outside of here are even less effective than that. Because it just gets pettiest. Oh, yes. Oh, yes it does. What is the pettiness it turns into? Well, he calls, he usually like ends up calling me a dumbass because my mother has a mental disability. And so he starts saying because she's a dumbass that I'm a dumbass. No, that is not true. That is not true. That has happened before. Just because your mom is a dumbass. I'm exposing his narcissism, okay? So that's how it ends up. You call each other names.

53:57He calls me names and I just shut down. She shuts down before I start with the names, actually. So she sets down, that triggers you, and then you bring out the names. Yes. Why don't you, well, no, I don't want you. Oh, no, he'd get more pissed. No, no, see, that's the thing, that's the thing, is I would love for her to, like, get some fiery back. I would love for it. Why? It would show me that she's not alive. What a violent person. No, I'm not telling you to be violent. That's not what I'm saying. No, if I get angry, I get violent. I would just love, I would love for you to just use your words and not shut down to the point to where I do yell.

54:34Y 'all are going to see this on the news? Did hear it from me?

54:41You'll hear it from me. Sorry. He's going to be dead in a ditch. Do you not like your mom? Oh, no, I do not. I do not like her immediate family really at all. The rest of her family, though, I do like them. but her mom and dad I truly believe that they have failed her. Oh yeah they didn't teach me about any kind of financial. What does she have? Uh she is missing part of her brain. It was taken out? No she was born that way. Yeah she was born with How is she? Scale of 1 to 10. Okay she's at some point she was smart and able enough to, like, want to become a nurse. And then she had gotten pregnant, and then she married my dad, and I guess she just f***ing gave up on that.

55:35She's been a stay-at-home mom, like, my entire life. That's all I've ever known. Could she legally consent to that? To what? The sex? Yeah, yeah. She's not that... I don't know. I'm going off of... See, I question that, too. She just has really bad memory issues because her brain's overcompensating for what's missing. It's just memory. That's it. Oh, it's thought process too. Oh, yeah. And motor skills. Yeah, she has zero motor skills. No, she can move though. She can walk around and move. She's literally missing the part of your brain that controls like, what's the word?

56:22Like all your motor functions, all of them, all of them. Like if she's about to face plant, she has to like physically think about it. Instead of just like having. Gravity won't do it? She won't have the reflex. She doesn't have the reflex. She has to like actually think about what the f*** she's doing. She got no Abdullah Oblongata or whatever that thing is, right? Medulla Oblongata. Is that what it is? Or is that? Alligators have that. Right? Waterboy? What was the$8 ,723.79 one main financial at a 25.5 % interest rate? minimum payment$268.66. What the f*** is this possibly? This is the second one you don't know about.

56:59That's right. Guess what? We're nearing$20 ,000 of debt you didn't even know about. How much stripping is that? How much butthole being gazed into is that? Uh,$20 ,000. So that would be less than a year, actually. You show your butthole to people. No, she doesn't. She might have flashed it. I'm not a... I mean, if she wants to give a little wink to them... Have you been? Let's have her answer. No, I did not take off my underwear. Very well done. Okay, good. That makes me happy. That makes me happy too. $20 ,000 a debt you did not know about. All at like that 25 % interest rate. Minimum payments now equaling a fourth of the household income.

57:40Why did we get a house? Because we had two dogs, two birds. We could have lived with your mom. Two dogs, two birds. My mom was mad at you because you kept doing laundry in your goddamn underwear. All right. We were stuck in a house with three other people. Okay, I didn't know about that. What's wrong with a woman in underwear? My mom don't want to see that and her husband don't want to see that. It's just underwear. I would literally wear clothes. It's the same thing you'd see at the beach, right? I mean, panties bent over. I mean. No, I would wear shorts. I remember like I would never step out of your room without shorts on.

58:21Okay. Well, I mean, if it wasn't really that, then okay. Okay. We couldn't live with mom because hole was slightly showing, which apparently we don't show, but kind of around house maybe. I don't know. It's a mother. Interesting. We had to buy a house and you bring up these dogs and birds and what? We were, we were living with my parents in a small room. I already had a dog. We ended up getting a bird for some reason. Why? She said, f***ing ask her. Okay, why? He didn't tell me f***ing no. She kept asking. Okay, I really wanted this kind of bird for like a really long time. But like, I was fully okay with like bringing it to my house and then like going to f***ing take care of them.

59:03You never went to your house to take care of your first bird. You stayed at my house. Your father and mother would take care of your bird. Ladies and gentlemen, if you want a solid 6.5 out of 10 to impregnate them, just go to the south and get them a bird. Yes. And then you can do anything. So, you're about to make a trade based on a friend's text. But which you do you listen to? Is it, we could buy a house in Tulum? Get optioning those options. We could lose everything. or let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at FINRA.org slash trade smart.

59:52Yes. So she asked, why did we get a house? And still, your answer was we got a bird? No, okay. And we lived in a small room? We were cramped. And that happens, but I don't understand why that equals let's get a mortgage instead of rent. Pitbull, Mississippi. Can't rip. Don't have a pit bull. Thank you. What? Okay. Damn. That's my baby. Well, that didn't work out very well. Okay, well, I honestly think we have way too many dogs at this point. How many dogs do you have? We have four. For every pit bull, the f***ing... Three, I thought we were full. And then we got another one. That's her fault. What's the percentage the child makes it to one with every pit bull we add?

1:00:38Oh, 100%. Haku would defend, yeah. Haku's very, very protective. He's a good boy. Great. One out of four. Extra value meals are back. That means 10 tender, juicy McNuggets and medium fries and a drink are just$8. Only at McDonald's. For limited time only, prices and participation may vary. Prices may be higher in Hawaii, Alaska, and California, and for delivery. Two out of four. This is my thought process. And the other 50 %? Levi's always right. Haku's the alpha. Haku's the alpha. And he has... He's a little dog. He's a little... I thought he was a female when I first met him. How many times did you leave the bunny out and Haku...

1:01:18There's a bunny! There was a bunny. I got rid of him. And then the pit bull ate it. No, we sold it. Because the pit bull was going to eat it? No, the pit bull would protect that thing with its life. It's mostly because I got pregnant and like all the animals... Let me... Let me... Hold on. Let me... Let me say something real quick. How many animals are there? Right now? Seven. What are they? Three birds and four dogs. Good guys. What are you doing? You're bringing a child into this. Look, a pit bull will not eat a dog unless you treat it poorly. A dog? I said that wrong. A pit bull will not eat a baby unless you treat it wrong.

1:01:57You know what's interesting? No one else has to say that about any other dog breed. A poodle will eat your baby. Yeah, a poodle will. A chihuahua will. Out of jealousy. A Staffordshire pit bull will not. Interesting that they're the only ones that have statistical probabilities of... They are nanny dogs. They are actually really low on that list. Thank you very much. I would love for you to research that, actually. Okay. You may know credit cards and whatnot, but pit bulls are not dangerous. I think you're being a... I think he's being a... Towards pit bulls and generalizing them. I think they're what?

1:02:33I think... They're what? Rank 23, 24? I think we are assholes for owning three of them and having no time for any of them. Especially the baby. The baby dog. You wanted the baby dog. Because I was like, holy ****, that's ****ing cute. And then now you ****ing hate him. You told me it was going to be chill. You were going to take care of the dog. You were going to train the dog. Now you have no time to train the ****ing dog. This dog misbehaves and he's just a ****ing asshole. The other three are good. Like, I honestly, like, kind of want to get rid of him. Like, low-key, I do. Give me time. I mean, we can sell him for a decent amount.

1:03:13He is a pure split. I have given you all of the time I fucking have. I'm a very patient person. My mom is disabled. I have been taught patience, bitch. Hey, we got rid of your bunny. I will make a deal with you, and I will get rid of one of the dogs.

1:03:30If you want to get rid of Chunks, since you got rid of your bunny, I will get rid of Chunks. See now she's sad Because she doesn't want to get rid of him Also pit bulls only make up 60-70 % Of all fatal child Dog related accidents in the United States He's also the only one that has Bit you, do you want to show people your thumb? That's chunks Yeah he bit you Not Haku Yes I guess it's the good 30 % Also you gotta put that in context One of the good ones You gotta put that in context Two of the dogs were fighting okay and I was stupid that's the context for 70 % of all fatal child attacks okay you asked me to look it up until I did I was more specifically wanting you to look up 70 % of all child fatal dog related incidents in the United States okay yeah okay small children yes you're right when they're easier to just yeah literally like a f***ing infant that we're gonna have at our house.

1:04:35I love dogs. I actually don't care about pit bulls. I pet every pit bull I f***ing in. I love dogs. I lived with one for a bit. I am fearful. It was actually the worst dog I've ever lived with. I'm gonna say that. But that's okay. I don't think it was the pit bulls fault. I think it was the owner's fault. See? See? It took piss and s*** in front of my door every day I woke up. Either way, 70%. You can research that 70 % and I bet out of that 70%, 80 % of those people are horrible dog owners. You guys are insane. And the fact that, again, according to you, this is considered one of the more productive conversations y 'all have.

1:05:10I think that's because there's a third person there. That's why it's productive. I'm barely involved. Navy Federal Credit Union. Okay, she knows about this one. Did you know it's over maxed out? You look like you just woke up from my... What happened? Did I? What? I don't know. As you pulled up back to the mic. No, I have never done... Hi, Alyssa in here, Financial Audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Webull.

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1:06:31Five, if T-Mobile is good in your area, switch to Helium and get a literal$0 a month phone plan for the same exact service. But most importantly, go get your free Hammer Financial Score and see where you stand in the world of finances. Take the assessment at calebhammer.com. You will not regret any of these. Change your life today. Navy Federal, did you know you were maxed out? He didn't tell me he was maxed out on it. How much is it? $2 ,015.63. It's a$2 ,000 credit limit. Sorry, sorry, sorry. What do you think about that? It'll get paid. He keeps on telling me I don't know about money, but I'm starting to think he doesn't.

1:07:13Well, I agree. That probably neither of you know. At one point, it was good. Does that matter? If it weren't, if you didn't murder anyone, but then you did, is your defense? Well, I didn't murder people up until now. Like, it doesn't matter. This is what's happening. I also wouldn't judge you if you were a piece of s*** 10 years ago. I'd judge you for what you're doing now. That's good. That's good. Yeah. Now's all that literally matters and the future. Passed on as much. That's what's heinous. I like that. I like that. Okay. Great. So stop bringing up that argument. $66.21 of purchases. Are we summoning something to the child?

1:07:55What was that? Her palms are sweaty. Knees weak. Arms are heavy. Hold it out. Ugh, okay. $66.21 of purchases. Why? On a credit card we can't pay off that is not accruing interest. Or that is accruing interest that we can't pay off. That is over the limit, even. I don't know. That's probably my longest running credit card right there. Oh, good. Wonderful. How long does this take to pay off if we do not purchase? Which you're incapable of, and we only make minimum payments, which is all you do. Probably four years. Four years is, your kid will be four. Yeah, he would be. How long do you think? Okay, your kid will be 13, actually.

1:08:36Oh, f***. That's if you don't purchase, but yeah, always do. 13! That would just be minimum payments, though. 13 will be, yes, minimum payments without purchases. Okay. Yes, you put a little extra towards minimum. It doesn't make any difference, though, because you purchased well beyond what would have been considered net minimum anyway. 13, middle school, right? I think. Yeah. Yeah. Kids in middle school. And this is finally getting paid off. That's not fair. Almost high school. That's not fair? No, that's not fair. In what way is that not fair? That's not fair to them. To who? To the kid. I agree.

1:09:09So why the f*** are we purchasing on it? What did we do? Spotify. Peacock. Peacock? Why Peacock? Come on. I'm meant to cancel that. Prime, something on Prime. You went into a gas station, got some ****. What you getting? Kickstarts for the morning. Kickstart? What's that? Is that energy drink? Yeah. And that's why, this is literally why I approach these guys to be our **** things. Have you heard of Gamer Stops? Well, you should. Dude, you buy the **** tub. You buy the tub. It's 40 bucks, but you get 100 servings. That is 100 of your kickstarts every morning. That is 25 cents per energy drink instead of you going and spending$8.30.

1:09:46Is it as good? Yes, dude, it's f***ing incredible. Yeah, do it. Seriously, we've tasted them all. This is great. I don't know if I've had this one. Good is my favorite. It's cherry. Yeah, you like that dino fart, don't you? That does actually taste pretty good. Dude, it's f***ing fire. I'm not going to lie. It's literally, they're like the only people I reached out wanting a sponsorship because it's so good. That's pretty good. We got that link below. You know what to do. But either way, 25 cents, 25 cents, 25 cents for your wake up thing instead of this$8. This is like the most budget. I always tell people to buy in bulk.

1:10:19This is it. It's 25 cents instead of$8. Like that's budget to its core. 25 % off with my link. But even their way. I have bought energy drinks in the past in bulk to save money. Even better, dude. Get the powder. Put it in the shaker. It's just as good. I do have a whole bunch of Gatorade Zero powders that I do also. Yeah, I mean that works. I mean, come on. Look at this. We're going in and getting$9. We're pushing it over the credit limit. It's just unacceptable. McDonald's and then Hungary's. $178 of interest and an 18 % credit card. Who has the Amazon on their phone? Pull it up. Start a screen recording.

1:10:58We'll black out private information. I don't really make purchases. I better not see an 8-inch dildo on there because I saw that yesterday on someone else's Amazon. And seeing how it's only yours, I would be concerned. What are you, homophobic? I wouldn't buy a dildo off of Amazon. I'm not afraid of them. I would be classy and go to Bad Dragon. get one of those. Local establishment? Shout out. What are we going to? Amazon. Yeah, I know, but what are we... Amazon! Just start a screen recording and I'll navigate. I'll drive. I'll drive. You won't drive? Okay. I can't be offended with a man whose mustache is going over his lips and his hairline is halfway to the back of his head.

1:11:32It's impossible physically impossible for me to be offended. There are plenty, and I mean plenty, of great men in the world that have this hairline that were also born with it. Yeah, but they're not also going all the way down. They don't look 40 at 24. I like my hair. I can put it up in a nice ponytail. It's curly. It's beautiful. It's soft. I mean, girls love it. It's fine. You look like you were born in the sewer. You collect pizza in the sewer. Why don't we have a Nissan truck transmission$325 thing in here and then a universal 4mm. This isn't in the cart ready to purchase. $400 worth of shit.

1:12:09Oh, that's just been staying in there. Well, it needs to because what the f*** is going on? I meant to put that into the safe for later. You know, I hear at low calories for a much better cost, this does grow back hair, allegedly. Not confirmed. I really don't need those air hoses. Okay, so this is also my thing. He always, like, is ready to make another purchase, but whenever I will— Like a trip to Turkey? What? No, like bringing my s*** to, like, the shop and fixing it or fixing her thing or... Yeah, and like he always gets what he wants. But the instant that I want something, it's like, oh, shit.

1:12:47Is this true? I would say it's 50-50. I would say it's 100 % true as the person who never really spends money on themselves. You got tattoo stuff. You got some clothes. You got a computer. You got... Most of my closet, I've had it since high school. Yeah, yeah. Have we not gone shopping, though? Yeah, to f***ing Walmart and got one item for me. Okay, and you didn't want to go to any other f***ing store. You don't know where to shop, okay? So I've told you many times, take your f***ing money that you make and go to the goddamn store with either my mom, your mom, if she can navigate that well, and buy it.

1:13:39You already know whenever I go out with my mom, I'm going to drive. I know that you're going to drive because your mom can't drive. I'm surprised that she makes it to this goddamn house. That's hilarious, actually. Also, that's not the same hairline. That's going to be your hairline whenever you get up there in age. Yeah, 25. So one can have hairline and still have that hair.

1:14:08Rinse takes your laundry and hand delivers it to your door, expertly cleaned and folded. So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. Mmm. Or this tea time you. Or even this tea time you. Said you hear about Dave. Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. Sometimes women like to be spoiled. My girlfriend likes getting gifts and whatnot. It's fine. That's not her love language, but she still likes it. I feel like you probably don't get that.

1:14:49She gets sushi. What's your love language? Do you know what that is? She responds to dick well. Yo. See, that's what a guy thinks a woman only wants. I don't know. I haven't treated myself in a very long time. Well, what do you like to be treated? There's quality time. there's touch there's gift giving acts of service and words of affirmation I don't know I just want this dude to give a f*** about me I don't know huh? oh you want him to give a f*** about you yeah I don't know um but in which ways which qualities do you find to be the most important to you because I feel like you're just not getting them I don't know what to expect no what do you want what in your dream world would you get I would like to get my nails done like I know that's expensive but like okay Okay, so him gifting you going and doing nice things.

1:15:41Yeah. Okay. Well, how does it feel that you're not receiving any of this? I just keep on thinking, like, I come around the corner, but... Do you ever bring it up and talk? I do, and then he... I don't remember the last... Be-Fi's always right. I don't remember the last time that you asked to get your nails done. Yeah, because I stopped and asked. Okay, that had to have been a while ago then. Do you want me to go get some nail polish? I'll paint them for you. I was making stripper money, and I still never got my nails done. You got your nails done many times while you were a stripper. What the f***?

1:16:17Once, dude. Yeah, and then you complained that the nail tech f***ed your nail. And then you said I'm not... Yeah, I know who the f*** go to now, but, like, I can't f***ing go to him. I mean, do you always have to put her in her place to be shut down? You have to own the lib? I would love for her to answer back. But that's just going in an unproductive circle forever. Because she just says the same thing that doesn't counteract my thing. I'm literally trying to communicate and then... She's saying she does not feel like she ever gets treated. Yeah, I hear that. She wants to be treated. Yeah, I hear that.

1:16:57But your response is, no, you did all the time. Or you haven't brought that up in a while. Yeah, as far as the nail painting, yeah. She hasn't brought that up whatsoever. But does she bring up sushi? Does she bring up wanting to go places? Yes. Yeah, because I usually get those things if I f***ing ask. Okay. So. If I ask for other s***, that's like too much. What else have you asked for besides nails? Clothes. Just to go out and do something else. I don't f***ing know. And we have tried to go out and buy you clothes. but every single thing that I pick out, you're either like, no, not that. Or you're like, I wish it would be like this.

1:17:35I wish it would be like this. You can't keep wishing without, like. I like what I like. I'm not going to force myself to. Like, I'm not going to buy. Like, I'm not going to force you to spend money on. I know I'm not going to like or know I'm not going to wear. Okay, then find what you want to wear and we will buy it. We could have been on here. We could have been on this exact show. And instead of him saying$1 ,000 going out to eat, he could have been like, you spent$1 ,000 on clothes on whatever the fuck. I don't know if you want. What do you want? What do you want? I don't know what. Okay. Okay.

1:18:20At this point.

1:18:24Then what are we even doing here? That like. I don't know. What the f*** are we doing here, dude? Like, in reality, I never thought I would even be on this. I wish, I actually wish I would have been on this show with actually good debt. Well, no debt's good. Correction. With minimal debt. Too f*** bad, dude. Like, you done f*** yourself. You weren't f***ing honest with me the entire f***ing time. I've been paying your f***. Like, I know, like, some of that stripper money definitely went to f***ing you. Yeah, it did. You're selfish as f***ing. Uh, I mean, you could say that, yeah. Did I... I'm done.

1:19:04Did I get you out of your parents' house? Did I get you your own house? Did I... Well, let's give... Okay, let's give her a moment. Why take it so far? Take it so personally. She started going personal too there, dude. Life's personal. Not with your significant other. You have to be real, though. No, that's not a productive. Listen, I understand. That's not the best way to have a productive conversation in a relationship where things get so hyper emotional. Okay. I guess Lindsay will talk to her and maybe we can get her back on. She'll be okay. Okay. Yeah, well, how often do you put her in this kind of position, dude?

1:19:49Come on, how often does that happen? More than I really wanted to. We've barely even gone into this money, dude. More than I wanted to. More than you wanted to, yet that's how you have the conversation. I would wish for her to actually give me points back. Like, I would love for her to actually... You're pushing her to just fight. You just want her to fight because you want the fight. You're not trying to resolve it. Come on. If you want her to give you the actual points, you're just saying you want her to fight. You want to have the fight. because otherwise she will literally just shut down from the very beginning.

1:20:29Do you understand why? You will have an opportunity that you haven't had before, and that is to watch back this conversation and see how you act in these situations. It's not healthy. Okay, okay, I'm going to check on her. I'm going to try to corral her back. Sit, think.

1:20:51This is Financial Audit. eventually you okay she's back grab some hydration okay feeling good feeling okay it got heated it got heated good okay what's going through our head right now guys this is my usual response I just I just try and just like forget that's happening so that would be what you said would probably be the answer just giving up, yeah. What are you thinking about while you went and got your Gatorade, talked to Lindsay, had your pregnancy pee, which we collected for later? What are you thinking about? What are you going to do? Sell it? It's what fuels me. Ew. Okay. What's up with the Synchrony Care card?

1:21:45Is that care or car? Car. Car, okay. The Synchrony Car card was essentially just going to be one of those cards that we were going to use in case we needed to do any major... Why not have a funded emergency fund instead of having a car preemptively just in case? Like, you didn't even get it for an expense? He said that we were getting that for in case, like, the Camry had problems or, like, any of the other cars had problems. I've never heard of someone get a card for a just-in-case very specific category. So, so... This is why we have emergency funds for just in case. Yes. So I was thinking that if it was more than what the card would be, or if it was more than what we had at that point in time, we would use what we had to use on the card, and or for like gas, because you can use it for gas too, and it traditionally is a 0 % unless of course you go over the 3 months to 6 months, and then they This episode is brought to you by State Farm.

1:22:53Listening to this podcast, smart move. Being financially savvy, smart move. Another smart move, having State Farm help you create a competitive price when you choose to bundle home and auto. Bundling, just another way to save with a personal price plan. Like a good neighbor, State Farm is there. Prices are based on rating plans that vary by state. Coverage options are selected by the customer. Availability, amount of discounts and savings, and eligibility vary by state. But, I mean, it was for our vehicles. What are these fees? Bullshit fees. What fees? Late fees? Yeah. Late fees! You know he's late on his debt?

1:23:31He's late on your bills. He's late on your bills. Just a credit card bill. Minimum monthly payment of$76. 76! Late on 76. He didn't tell me that he was late on any cards. I was under the impression that they were being paid. What do you think? Minimally. So that is, the late payments are 100 % on me. I was debating on whether or not to do one of those bulls***. What's that main one? That national debt relief or whatever the f*** it is. Okay. I was thinking of doing that bulls***. Again, the third time. Like that's worked so successfully. I know. So you're just going to let it die? That's why I ended up.

1:24:18But you wouldn't communicate that to your fiance. We did communicate that actually. She's saying she doesn't. We didn't do it. I told her that I was like, I didn't tell, okay. I didn't tell her the debt that I was in, but I did tell her, hey, I have a little bit of debt. I'm thinking of doing this to get rid of it. You remember this? He did tell me about it, but again, I didn't know how much debt he was actually in. So I didn't really get like the full picture, if that makes sense. She got the overview, not the details. Yeah, he's not ever completely 100 % honest with me because I think he's just scared that I'm going to get actually angry with him, which I never really do get pissy with him.

1:25:04It's usually he gets angry at me. Really? Okay, I get mad at you for f***ing up real life simple. Okay? This is real life. Simple. Okay, as in like taking two hours to do 30 minutes of f***ing dishwashing. Like, f***ing... What? You're getting angry at her for 30 minutes of dishwashing? Okay. What the f***? Okay, I... No, no, no, not 30... No, no. She will take hours to do a 20-minute job. But what's that getting angry at? I have continuously told this man. I have ADHD. I will start a task and be like, oh, wait, I was supposed to go do this other thing. I'll stop the task, go do whatever the f*** it is, finish whatever the f*** it was before, and be like, oh, f***, I didn't finish this.

1:26:01Let me come back. And that's just like how I work. That's just like I'm ping-pong. Whenever I was still working at the car wash and I was making enough money for everything, quote unquote, I essentially just wanted her to become a housewife and still continue her apprenticeship because I could allow her to do that. Because you could allow her to do that. Is that what you wanted? what i want slash wanted was to start my apprenticeship not really worry about money like he told me not to worry about it so i i was under the impression i could start my career um doing this and then like everything would be fine like it didn't matter if i made money like straight off the bat or not like i would be able to have time to get my together and I don't know, everything will be fine.

1:27:02That was my impression, at least. Do you guys even know the special thing that's happening with this credit card? The care card? What do you mean? So that's a no. And I know you definitely don't know, right? The balance, 1 ,516. Oh, are you talking about the interest accrues on the whole thing? Deferred interest. Yes, yes. I understand the deferred interest and everything, yes. Yeah, wonderful. When does it hit? It's probably already hit, actually. It hits in four days. Four days, you will have an immediate$300 that hits. $300, it'll push it well beyond its limit. I mean, you're going to get f***ed here.

1:27:42$300, you're about to lose. Hey, someone's going to come to you and take$300 in three days. They're just going to come take it. If I had it. Because he didn't manage this. He didn't pay this off in time. Are you going to say something or just look at me, stupid? I don't know how to f***ing respond to that. Fair. Like what? I mean, how many times? Months ago I was telling you to get a job. Months ago. Why didn't she? I was applying to jobs and I was trying to get a job. They just weren't calling back. And or I would go to the f***ing interview. This is one time at like F***ing Subway. I went to the interview.

1:28:24The f***ing told me I had the job and like everything was good. I was going to be on the schedule next week. And, like, I was under the impression that that was what was going to happen. She ends up just fucking ghosting me and not telling me when to come in. And then I end up texting her and being like, hey, like, when do you need me to come in? Like, I'm ready to work. And then she's like, oh, well, actually the person that was supposed to be, like, quitting decided, like, not to quit just yet. That happens. I believe that she just fucking lied to me to not hurt my feelings. Maybe. Well, I know.

1:28:55I mean, it makes sense. Oh, guys, this is at a literal, literal 35 % interest rate. That's as bad as it gets. It doesn't get worse than that. Yeah, I know. That's f***ed. For credit cards at least. Talking about her job experience, though, I will also say that she did have a job at Lowe's, but she quit. When? This was back in March, I think. Why? I was still a stripper. Like, I was still... Barely. Shut the f*** up. Shut up. I mean you don't go for three months Okay so like whenever I went in for the job Um like they weren't training me But they just gave me a f***ing broom And Then just f***ing walked off And then I was just like I mean if they give you a broom you should know what to do right I mean I was sweeping up But like where the f*** did this lady go She's supposed to be like telling me what the f*** to do She quit the first day She quit the second day I think Actually

1:29:56do you quit I feel like you're someone that maybe doesn't how long are you going to last at Domino's if you're not getting that instant return that you're seeing well maybe you will though because tips but I feel like if you're not seeing that instant return that you get in stripping I don't know this is a crazy debt what even went on this that was the truck that I sold actually it went towards the truck that I sold then you sold it and didn't pay it off I paid off I actually paid our mortgage that month with what I... Oh, guys, this house situation is ridiculous. You guys aren't ready for a kid.

1:30:27You're not ready for a house. One of this kid's first memories... No, actually, it's going to happen before he forms memories. This is going to be a foreclosure. You guys are going to get pushed to that point. It doesn't have to end in foreclosure. Technically, I mean, we could sell the house. Maybe. Not the best market. No. That is not what I wanted. It is worth more than what we bought it for, though. That's not what she wanted. This is not what your future wife wanted. No, it's not. She loves our house. We're guys together. Why? It doesn't seem like the healthiest of all the relationships I've ever witnessed.

1:31:04I don't know. I love her. I care deeply about her. Well, she's just giving her a shrug. Why are you still in this? It's probably, is it because of that? No, I love him. Like, I genuinely do. Okay. I just think things will work out for some reason. Well, that's deeply optimistic based on nothing. Okay. Discover it. This one's maxed out$998.20. So this is another maxed out card. Oh, all of them are maxed out, sweetheart. Oh, yeah, sweetheart. Let's just get that out of the way.

1:31:41I've never had someone call me sweetheart. Yeah, who the f*** is? It's 2025. I've never heard someone audibly say that. They should just smack the **** and they're like, yeah, and then you walk off. I got to go to this trip club. $988.20. Let Brandon know when you're back on the pole. He'll take a trip to Louisville.

1:32:02Tip her well. Okay, he's supportive. Okay. Oh, he won't.

1:32:10$988.20. $43 minimum monthly payment. $22 ,000 purchases. Well,$22.61 of interest accrues. This takes four years to pay off. Why are we purchasing on this possibly? Who has access to the cards? The majority of them are actually in the safe. Well, they're all being spent on so far. Who has access to these? You don't. Okay, so you have all the cards that you were deflecting towards her in the beginning. Why the f*** are you purchasing? Last card was all bulls*** purchased on. What about this? I'm probably also bulls***. Why? Why? Some of it's probably her Amazon stuff. To deflect to her. No, it's checkers.

1:32:49It was a few hundred dollars, dude. Checkers, she needs to eat on her way to work, man. Huh? Checkers, you gotta eat on your way to work. Yeah, but I definitely gave you that f***ing money. Is it checkers money? Yeah, like, I was making f***ing money. I was definitely giving it to you. Like. Yeah, every money, all the money that you gave to me, went towards other bills.

1:33:21At any point, I could have paid for this. Not with$400 or$500 of f***ing... Oh, boy. Two late payments this year so far, by the way. Two late fees. Two late fees this year so far on this card. This is what you're in that you don't know about. We got a saver card. I guess it means at least this is never dry, huh? All right. Nah, she licked it before. Okay. No one wants to picture what a balding dick looks like. $968.54 with$34 minimum payment. This one takes seven years to pay off. $38 to purchase. That's the first time I've ever touched a stripper. I need hand sanitizer. Hey, I ain't got AIDS.

1:34:13I did not accuse of this. I don't think you get AIDS from a pole. Lots of bacteria. I feel like you could, though. Can you? If the fucking licks it and rubs her fucking wet coochie on it, I guess. Guys, that's not how AIDS gets spread. Wet coochie maybe a little. Yeah, I mean, isn't it bodily fluids, though? So, I mean, like, if a girl is grinding up. Okay. Which means girls, you wipe it down with alcohol. I want all y 'all to chill. Alcohol. Chill out. If she cooch touches a cooch, yeah, maybe a bit. But blood's the big one. And semen. $968.54. Zodan here. This one's close to max out, about$100 away.

1:34:56$25 of interest,$38.74 of purchases, meaning well beyond our minimum of the payment. It was woos. Just accrued up. Yeah? Great. Well done. You're not credit card people. you're not sorry this this makes me burnt man use the fist card debit card that builds credit doesn't let you spend what's not in your checking account and listen I'll get you a course career certification as well so you can get into the actual f***ing workforce at some point people in the audience have used that to add to their resume and they actually go get increases in jobs or pay so I'll get you guys that okay thank you thank you yeah I mean on this card it's Amazon and Netflix great necessities fly I haven't had one necessary purchase yet I want to be clear.

1:35:40I've gone through one, two, three, four, five. Five accounts so far. Not one necessary purchase. Oh, we've had a late fee this year. Yay. Another 50 bucks down the drain. 25. Oh, I figured it would be 41. There's another car that charges 41. There's no nonchalant about it. You have a child coming. Yeah, I know. When's it due? February 7th. Just going to answer this for me? Yeah. Do we know gender? Male. I can't answer these f***ing questions. Sorry. I have the little dude just wiggling around, and me and you over here just answering all the questions. Yeah, he kicks you, too. I'm sorry, go ahead.

1:36:19I wish he was kicking. He'll have to try harder than that. You weigh like 140 pounds. I'm not saying... I weigh 125. I can lay on you. And I can pick you up. No. What do you weigh, 200? 250? You weigh more than that? No! Oh. Damn, that was about to... Like 215-ish. Okay, I can bench you. I can pull more gravity. I highly doubt that. He hasn't worked out in a very long time. Okay. He just recently started working out. He's, yeah. I lift kegs on a daily basis. Her arms are thicker than yours. She's 5 '1". I haven't been stripping for a minute. Look at this shit. Okay, Gulf Coast Federal Credit Union.

1:37:02Visa Platinum. What's going on with this? I don't know. That's probably like my least used card. Which is why it's maxed out. Yeah, I know. At one point it wasn't. And that's why we purchased 55 to... Strip club calling? No. Not listening to... Debt collector? No, I'm joking. Not listening to... They calling me. I want to go through... You know what? Based on your guys' arguments, I haven't done this in a while. I want to go through your guys' text messages in the post show. Oh, no. No. Oh, yeah. Oh, Jesus Christ. Common's going to be calling me some names. Is it that bad? Oh, yeah, 100%. Oh, I really have to.

1:37:40There's nothing spicy in them, right? No, we don't text any spicy s*** to each other. Snap. We get home and do that. Snapchats. Oh. Oh, yeah, she'll send me nudes on Snapchat all the f***ing time. There it is. I'll be at work and I'll f***ing be like, God damn, what the f***? Okay, 941, 27 on this card. Again, maxed out. Do you want to rub your hand again? Another one? Yeah, I literally told you every single one of the cards that he's going to pull out is either right there or right at it. 109 minimum fee payment. Oh, it's past$255 currently. Yes, yes it is. Okay, great. All done. Thank you. Dude, what are you even doing?

1:38:22Yeah, it was a return payment fee because you didn't have enough money. Sucking nuts and fucking butts. That's what we're doing. Did you hear what happened? Yeah, I did. You did not have enough money in your checking account, so it bounced, meaning he got an extra fee for not having enough when it tried to pull the minimum monthly payment.

1:38:41Yeah, just throw that shit. Yeah, we've already hit a late fee this year. That interest, this is just horrible. It's not even that high of an interest rate for credit cards. I mean, it's 17th, but come on. Care credit for the pets? Yes, sir. Okay. Which pit bull hurt which pit bull? You ever change jobs and totally forget about the 401k you left behind? Yeah, well, so did literally millions of other people. In fact, over$2.1 trillion now sits in forgotten 401ks. That's almost 25 % of all 401k dollars just floating around like socks in the dryer. Except these socks could have been compounding interest.

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1:39:53No faxes, no paper checks, no stress. So roll over your old 401k today. Hit the link in the description or go to highcapitalized.com slash Caleb. Your future self and your net worth will thank you. Uh, no, that one actually was, so the newest one. Don't tell me it's for a f***ing bird. No, it's for the dog. Well, actually, we brought one of the birds. Here? Emergency vet. Oh, no. That was Yababa. That cost 50 bucks. Okay. And, okay, that's not, that's not the big spender on that. The big spender on that is our newest dog, Chunks. We had taken him to the vet to get his first round of vaccines. It cost$150.

1:40:34It was completely fine. We got home. He seemed perfectly fine. Everything was going great. Then around 10 o 'clock, he started to throw up a lot of blood and shit. Yeah, that sucks. I'm sorry. Yes, that is a good way. That's why we would definitely take a dog to the vet. He was very lethargic because he's been a guy. amount of pets. Yeah, I know that sucks. You guys shouldn't have pets. You can't afford, you can't even pay your mortgage. Should you have pets? No. Why'd you keep accumulating them? You can't afford them. It's selfish. You can't take care of them. They're happy. Dude. The dogs are definitely happy.

1:41:09They're living a miserable life. But, um, in my opinion, I think the dogs are living kind of a miserable life, like a little bit. Yeah.

1:41:22I know. I know. I know you're mad. I'm sorry. They have a backyard. They're fed every day. They have plenty of toys. They interact with each— Why are they miserable? Yeah. We're always working or doing— So, like, they're, like, a good majority of the day, like, they're locked up. Like, whenever we are home, they're outside. They're, like, playing and stuff and, like, in the backyard, tearing up our backyard. um I don't know I just think we have too many of them I think three was like the max then why did you want the fourth why you're the one who suggested it you're the one who found the Facebook post and was like oh my god he's so freaking cute and I was like oh my god and you just should not have showed me a baby dog did I show you that post?

1:42:16yes you did I was like oh my shit I must hold him. It's selfish. You must hold him. You must. That's selfish. You guys can't take care of these dogs adequately. When emergencies happen, I mean, this has a limit of a thousand. If another emergency pops up, how are we paying to keep one alive? It's not fair to them. And you can't afford pet insurance. I guess you guys can't afford to live with your current mortgage. Like, this doesn't make sense. You can, if he is going to die, you can save him by making it happen as quickly and painless as possible. Yes, but that is unfair to the dog that you're the one who's like, let's get more and more and more and more and we can't afford to keep them alive.

1:43:02They are being fed. They have a nice home. Okay. Did you not hear my argument? You don't have to repeat that. We all know that. Do you understand what I am saying? Levi's always right. Is that the catchphrase around the house? That's her catchphrase, I guess. Well, do you understand why? Yeah. Because you didn't, you didn't, you said your point. And then I brought up something counter for you to potentially listen to, to challenge your own point of view and recognize, okay, maybe that's not right. And then instead of even acknowledging it, you went back to your original point. Like, that's how you do.

1:43:37That is Levi is always right. If one of the dogs get into a situation where they quite literally will die and we can't afford to save them, God forbid a 9mm will solve that real quick. It's as simple as that. Yes, that sounds horrible. That is horrible. Does it sound horrible? If the dog can't be saved, then it can't be saved. It can't be saved because you chose to adopt them and you can't afford to take care of them. That's the only reason they can't be. That's why it's selfish. Levi's always right. I'm more on Pixie's side here. Me and my girlfriend are going to adopt a stripper and take her away.

1:44:26You're too big for her. I said we're going to adopt her. Yeah, that doesn't mean they're taking my fucking clothes off. Jesus. We would have, but I'm kidding. Oh, we don't go for sixes. Boom. Roasted. Discover it. What's going on with this? Says the four. Boom. Roasted. Every zero you add to your net worth adds a number though. So that's what's lucky. That's why I am statistically pushed to an eight out of ten. So you can pull a ten that'll take all your money? Prenups. Ah, yeah. There we go. $745.59 is on the Discover it card. What's going on with this? Which one is that? Also, at least you can see my f***ing lips.

1:45:07I trim. I care about my appearance. I usually curl it up. I will defend the mustache. You will? I love... It's raddish. I don't... Okay. Okay. Mississippi. 440... What's going on with this card? The first card we didn't have purchases on still takes three years to pay off. That's her card, right? Yes, that's my card. Wow. The first card that didn't have purchases was her card. Yeah, because I don't allow her to use them. That's insane. I'm just here, man. I'm just here. I mean, if I let her use them, we'd be in even a horrible position, no? Hold on. Okay, you meet, you love, I get it. But what the f***?

1:45:49That's the dynamic you want in your relationship, I'm just going to say? No. Then what the f***? Huh? What the f***? What the f***? What are you doing? I don't know. I don't know, man. uh I I uh uh what would I say you're doing accepting and coping and it's insane I don't know why the f*** you're dealing with this not saying you're bad in all instances I don't know but what the f*** is that because I don't let her and then you hate that dynamic and you're just accepting it and having a baby with it what that's what you're committing to for the rest of your life not trying to break you guys up I want you guys to break up necessarily, but what the fuck is that?

1:46:30That's crazy. I don't want us to break up either. But why would you not want that? Because that is kind of one of the craziest, most controlling things I've ever heard in my life. I don't know. Dude, that's concerning for me to hear. Straight up, that's concerning. And you just accept it because you've compromised. You've accepted and you've settled. Are you afraid you won't find anyone? You're afraid that you're pregnant. I'll let her speak freely and I'm going to the restroom so that I don't even know what she's saying and she can fully speak to my mind. watch it back, dude. Yeah, I will. I will.

1:47:01I will. No doubt. Yeah, I'm gonna watch this whole episode to be honest. But I do really gotta go pee, I'm sorry. Go pee, dude. Have a pee. Okay, now I'm nervous. I don't know. He got mad at me for spending on that. Looks like normal hair when you see it from the back. He got mad at me for spending on this card whenever I did it. Well, he spends on all his cards. Yeah, but I didn't know like he was maxed out on all of his other cards. Is this a controlling relationship? I mean, I guess you could call it that. Well, come on. Is this a controlling relationship? I mean, he does like... Colton, you want to sit in?

1:47:38He sails the boat. Colton talked to you guys for a few hours and we're just... This is a... I'm committing to the financial audit, the movie, the sequel. Colton. Hi. Is this a controlling relationship? Engaged Colton, by the way. Very experienced in the dating world. Hi. He goes more for, you know, the gay side, but he's still, you know, relationship. Is this controlling? Because what the f*** is happening here? It seems very much like it is, at least with, especially purchases, like the fact that he won't let you use any, like, cards, or the fact that he, what I don't like is that he's kind of telling you, like, what I noticed was, like, oh, you use this card for, like, a gun that, you know, I wanted to get you and then was telling you like, oh, but I got you this, but I want you to use your card for it.

1:48:32And then it's like coming on here and saying like, oh, but now you are owing on that gun and you need to make purchases on it. I don't like that. And then he specifically sat here and said for this one, yeah, I won't let her. Yeah. This is red flags galore. I'm not saying he's inherently across the board a bad person. I'm not. But this dynamic's weird. and the way he talks to you is fucking weird. How? Have you not seen these conversations that have happened in this episode? The dude goes for insults and he will not give an inch and he seems very controlling and manipulative. You just nod your head?

1:49:14Did he wash his hands? I don't think that's possible with how quick you were and the distance that it was from - I ran. Okay. you want to smell them yeah he washed them thoughts um I think you're right I think you are right and you will just accept it and stay with it forever I feel like every single time I try to communicate it just ends up being a show exactly Levi's right so what can you do then you're just gonna accept it forever no I'm just hoping that we can communicate our way out of the way That doesn't just magically happen. That's not how this works. That's not how any relationship has ever worked in the history of the world.

1:50:00Nothing just magically happens. You holding on to that is a cope extreme. Huh? You can't just, uh, that? This is your life. I don't know. Oh, I don't know what to do with that. I don't know what the fuck I'm doing. I don't know what the fuck I'm doing. Well, here's the reality. If we can be completely honest, compared to even 10 years ago, especially 20, 30 years ago, you at 22 are about the mental and life maturity as people back 10, 20, 30 years ago were at about 16, 17, okay? People are maturing less today. Like pretty much every polling and survey that's been done on this shows that people are just maturing less.

1:50:45A lot of it had to do with the COVID generation. You're kind of a part of that. I don't know if you're mature enough to be in this type of situation and committing to what you're committing to right now. I mean, I don't want to blame my parents at all, but like they kind of did just keep me underneath the rock and told me never to get a credit card because all of them are bad. You're just accepting this forever. And your hope is a magic fix? I don't know. I'm just afraid to look back at this conversation in 10 years when you're 32. I was hoping by the time I was 30, I'd have my own tattoo shop.

1:51:19But yeah, financially, you don't look like it. That's not the point here, dude. That is not the point here. Lowe's. What's happening with Lowe's? Lowe's. We got that to expand our front walkway. Why is that critical out of everything that's happening in our entire life to expand a front walkway? $503.29. Minimum monthly payment,$41. Why the f*** is that even considered remotely important? We needed a distraction, honestly, from what the f*** was going on in life. What the f*** was going on? I got this approximately a month before I got fired. Still don't know why this was the important, critical purchase.

1:52:04She kept yelling at me about not having a f***ing life. About the walkway? I was just making complaints. Like, I wasn't, like, putting my foot down and saying we need it to f***ing happen. If he hears a complaint about something long enough, yes, he will probably do an action to do it because it's a signal that you want something to be done. I complain about other s*** and I don't get it. So I don't know why the f*** this was like a compromise. I mean, that's on him. Like this could have waited, but we didn't. I mean, it is interest-free period for a second. 31.99 % is what it will be. They also closed that account.

1:52:44Oh, that's... Yeah. Okay, interesting. This interest kicks in in, you know, mid next year. Amazon? We're affirming Amazon at 36%. What? What the f*** is this? What the f*** is this? What the f***? I truthfully don't even remember what was on that Amazon purchase. Oh, good. I truly don't. Wonderful. I'm thrilled. I can't even. Oh, I don't even. What's the minimum on it? I don't even know, dude. Oh, great. $30 minimum. It's at$184.73. It just keeps on getting deeper. Yes. Yes, it does. And you had no idea about how much of this? How much of this did you know about? Just straight up know about? I knew about him consolidating, like, the loans and everything.

1:53:38Dude, you know you're marrying into this? You know, this is the father of your child. This is the finances that your child grows up in. I kind of feel dumb. Dumb for what? I don't know. Not knowing all this. Why wouldn't you let her know? Doesn't seem fair to me. Is it fair to you? Is it fair to you that you are not informed of this before you accepted an engagement? I mean, I would have accepted it either way, but... Oh, she loves me. She does love you. I love her too. Great. Wonderful. Is it fair that before being engaged that she would not know? Then why the f*** would you not tell her? $305 for this AutoZone, another 36 % interest.

1:54:23What's the minimum on that? I don't even know. I'll say$30. That AutoZone was actually off for her. That was for her car. Very quick and happy to say when it's for you, by the way. Yeah, I am. almost thrilled to do so. I mean, it was my first transmission, filter change and fluid flush. It went smoothly. Car runs great. Harbor Freight, what's going on? Fees. Fees, there's a late fee. Yeah. Late fee. How many late fees have we had that we've talked about so far? Five? Four? Late! All your bills. Why don't you just write this down? So the reason why a few of those were late is because I was thinking of doing the national debt bullsh - A reason one of them was late is he literally didn't have the money in the checking account.

1:55:15It bounced. Yeah. Yeah, that is wrong. So you just don't have enough money to even pay your f-ing bills, by the way. But that Harvard Freight was to purchase a few things for the mobile detailing. Oh. Oh. Great. Wonderful. Yeah. $488. and then is$72 minimum monthly payment. What the f*** are we doing here? Didn't you tell me that you've made back the money that you spent for the details? And it went towards the mortgage and the lights. We shouldn't be having a kid if the conversation we're having is keeping the lights on. I'm sorry. We would be using rubber. It's too late, obviously, but you guys should have been much more cautious.

1:56:03God forbid a freak accident happens. It's not a freak accident if you're not using protection, you dumb tit. If cum is inside of you and you do not have a pill or whatever other variety you would prefer. Yeah, believe it or not, babies come from that. Yeah. So freak accident? What are you talking about? I forget what I said.

1:56:33Capital One. Platinum card. Now what? What's going on with this? All right. $231.02 is owed on this with a minimum monthly payment of$25. Oh, yeah. Oh, yeah. It keeps going. Trust me. How many more papers do you got? This is the normal stack of paperwork that most people come into the studio with. That's what's left. Yeah. I got like nine, ten credit cards, three loans. She doesn't even know this. This is wonderful. This is so, what a relationship. What an incredibly ran relationship we have. I don't want to know what this drive back is going to be like. Oh, 10 hours of fun. They drove. Hey, got to save the money.

1:57:21Oh, fuck. Yeah, except we literally like give enough money to cover the flights and everything, but that's okay. See, but less, that would be less. I get it. I get it. Yeah. I understand. This is going to be horrible. What is the drive back going to be like? Because I want to know how this goes after this. How does this go post-conversation? I mean, if he wants to have a bitch fit, I guess we can have a bitch fit. Or... Is that what you call them? Or I can just be quiet. And you can shut the fuck up until we get home. And then we can just fucking choke each other. There's no mutual combat in Texas, though.

1:58:07Let's have a conversation here. No, I'm chum - I do not condone hitting women ever. Sorry, I had to say that because I'd be joking about that too much. Women don't have rights. How do you think this conversation is going to go on the way home 10 hours? Probably not much conversation. I'm going to Kermit the Frog all of a sudden. What the fuck happened? Probably the cat. I'm from this. It lavers the throat. Continue. How does it go? Probably. it's either gonna go where there's no conversation the whole way. 10 hours, that's crazy. Or we're gonna argue for a little bit. I'll tell her to shut the f*** up.

1:58:51And she might, she might not. And then however it really goes from there. Why would you tell her to shut the f*** up? You're the one who's got us deep into this. Hold up, hold up. It's dangerous to drive and have arguments and discussions. We could pull over and fight each other. Only in Texas. Pull over anywhere. Any state. I don't give a... Yeah, but it's legal in the other states.

1:59:21So no answer. Okay. That's essentially what I got from that. I gave you two answers. No, it sounds like it's going to be completely unproductive in every way possible. Probably. Because we refuse to change our communication style and work on ourselves. Probably. This cash app,$150, went out. Let's see. I gave him some of that money. Well, it's all gone. Yeah, I went towards the dogs. I don't know to what. I went to the dogs. They had been a good minute since they'd been groomed. You can really afford that. Oh, we have a motorcycle. Why the f***? Why the f***? No, why the f***? This is unacceptable.

1:59:57How can you possibly allow yourself to have this when you can't pay our mortgage? I told Levi this was a terrible idea, but he convinced me on the first purchase. I convinced you on the second purchase. No, you convinced me on the first and second purchase. Let's get that correct. Okay. That this was going to be a great thing. He said that he was going to teach me how to ride motorcycle but that never happened. We got the$300 because I didn't have a vehicle at that point in time. Great, but you do now sell it. What's it worth? I don't know. Yeah, we didn't get the value, but you owe$5 ,276. Minimum of the payment of$167.

2:00:51Is that the$300? Yes. It's probably worth$5 ,000. Sell it! You cannot afford$167 minimum monthly payment. You can't. Especially when it's bouncing. We're already done. And you need to bounce in on Dick as soon as possible to pay off all this debt, except not really. I mean, do you really want to be a stripper? So I'm curious. How would I even really go about selling that vehicle if I don't own it? Listed on Facebook Marketplace and credit. But I don't own it, though. I don't have a title to it, so how would I really go about that? Usually you do the exchange at the end. There's legal paperwork and whatnot.

2:01:29Oh, okay. I mean, state to state, there's different rules. Okay. You're just going to have to look. All right. I'll do my research. But to suggest you can't sell it, this is ridiculous. I can definitely sell the 300. I'll agree with you there. Good. Sell it. You just can't afford this minimum payment. It doesn't make sense. He does drive the 500 every day. Does he have a car as well? No, he has that. Well, the 500 is even worse. It's a pathfinder. He could drive my Camry some days if I wasn't working. Okay, so if you're working, there is nothing besides this for him. Yes. Drive the 300 because this one's more expensive and sell this one.

2:02:07It would be a whole lot safer for me to drive the 500 than the 300. Is that a cope? No, no. It quite literally would be safe. I have to drive on the interstate and it is significantly safer for me to drive the 500. Why? Speed. Huh? If I have to get out of a dangerous situation. How fast does the 300 go? 85. Oh, shut the f*** up. People drive 100 on that road every day. Go right lane, dude. Right lane. They will not see you. The amount of accidents that happen. Well, yes, you should have a motorcycle anyway. It increases your risk of death by like 80%. My mom called me the other day because someone died.

2:02:45Who? My mom called me the other day. She figured out how to use the phone? Yeah. Shit, that's what I'd be wondering sometimes. Well, actually, she can't even text. She has to use, like, the text-to-speech whenever. There it is. Yeah. She has no hand-eye coordination. Yes, no, I wouldn't have this. It saves a lot on gas also. No, again, I'd keep the$300 and stop your dumbass cope. Sell the$500. The$500, you owe. It's$40 more. It's only$40 more. No, it's$8 ,669. Yeah, I understand that. The total loan that you have to pay is substantially higher. I don't want to hear it. All right. $217 is the minimum fee payment.

2:03:21What's the interest rate on this one? What's the interest rate on the other one? 9.99. Both? Yes. Oh, they're horrible. Get rid of this one. I'll get rid of the$300. He's going to get rid of my motorcycle. Of course. Well, technically it was supposed to be my motorcycle. You'll learn on the$500. It's easier anyway. What is this? This looks like something in the world of real estate, but I don't know. So that's the Mississippi Home Core. So that's an FHA loan, essentially, a down payment. This is a loan for your down payment? Yes. Oh, man. You were not in a position to get a house. That's what MHT is for, though.

2:04:00Huh? That's what they're for there. No, dude. Instead of 2 % interest, it's not horrible. But if you have to borrow for a down payment, you can't get a house. And I know for a fact that you didn't have a fully front-on emergency fund, meaning you can't afford a repair if it happens. $74.35, minimum repayment, you owe$9 ,568. This is f***ing moronic in every way. That's what insurance is for, though, for a repair. Shut the f***. Dude, insurance, depending on what? If your washer and dryer breaks? Oh, it did. We bought a new washer. There it is. So we... If your dishwasher breaks? We don't use it.

2:04:33No, we don't use our dishwasher. If your fridge breaks? We don't use it. We just buy a new fridge. Uh-huh, exactly. That will break again at some point. Roofs have to be replaced here and there. It's a brand new roof. Uh-huh, and that has to be replaced here and there. Has warranty. warranty based on what though I'm not actually exactly we don't know buddy there's insurance is a beast to deal with a beast we got a 5.59 % mortgage rate to not anticipate the cost of housing dude and you've already had to replace things like don't be a moron also it's not 1300 it's literally 1381 it's closer to 1400 for your income that's insane in 19 cents you owe a total of 179 ,447 and 95 cents.

2:05:17Woo. Type in your address. I'm going to have you type it because he looks greasy. I'm the one with clean hands. So we owe to O on the house $190 ,000 with both loans. It's worth$216 ,000. We'll see. Oh, it's currently down. Huh. Huh, what did you say it was worth? Oh, it was. It was. Fuck you,$194 ,000. And by the way, Zillow's very generous. It is. So you would actually lose money if you sold the house because you would have to come up with closing costs. You'd have to come up with all the fees. The realtor, 6 % for both ends. Splitting. Would you lose like, what,$60 ,000? I don't know about that much, but you'd be out of pocket, I'm guessing, about$20 ,000,$25 ,000, maybe$30 ,000.

2:06:05Yeah. And you said, oh, we'll sell it. That's what he said earlier, right? Remember that? Remember when he said that? That was interesting. That was curious. Play that back. Technically, I mean, we could sell the house. Yeah, I don't think that's going to happen because you guys would be f***ed and you're f***ed if you keep it. Good luck. $10 in that checking, but then also$1 ,000 in this checking. It's a bit weird. Going in, getting his energy drinks again. F***ing camera subspan, 25 cents a serving. What are we doing? I like Graham Stephan and his wife coffee. This is even f***ing cheaper. McDonald's, Hungry Llama, Chick-fil-A, Raising Cane's, Winning, got an energy drink.

2:06:44Hungry Llama, energy drink. Amazon, Dunko. Hungry Llama, energy drink. McDonald's, energy drink. McDonald's. See, we roll. Sushi? Sushi. Oh, wow. Guys, hey, she had one out of ten. The Hungry Llama is... You always want to push things onto her. I'm not pushing that onto her. Come on, you just get so excited when it's her and not you. I mean, I was just about to explain the Hungry Llama, though. Hungry Llama, energy drink, checkers, energy drink, Hungry Llama, Raising Canes, Auntie Anne's, Domino's. You're supposed to be getting money from Domino's. Uh-huh. Energy drink, energy drink, Hungry Llama, energy drink.

2:07:29Huh? Some nights I don't feel like cooking. That's not an option. You can't afford your life. And also, he can cook, too. I cook most nights, actually. You work 38 hours a week. I don't want to hear. Water coffee, energy drink, energy drink, energy drink, Sonic, Icebox, energy drink, energy drink, Michael's Stores, Hungry Llama, Domino's, energy drink. Affirm, paying for Taz something. Energy drink, this is insane. Golf sport, well, that's utilities. That's okay. Dunco, Sparklight. This is fucking insane. Sparklight's internet. Yeah. Okay, that's fine. This is insane. $5 in the savings while we're really f***ing in the world.

2:08:07I'm almost headed to retirement.

2:08:13Energy drink, energy drink, energy drink, energy drink, energy drink, Sal Beauty, Sally Beauty, McDonald's. That's her. Oh, wow. She got one again. He's so excited. Shut the fuck up. Salon, McDonald's. I spent on my hair. That's what I was for. Yeah, I wish she did, and I'll be honest. I thought she didn't get any. I thought she didn't do anything. You got mad at me whenever I did that. I got mad at you way after the fact because you changed it again. My hair's f***ing grown out. I literally just bought color to put back in my f***ing hair. That's literally all I did. You can't stay natural? You can't just have a beautiful brown head of f***ing hair?

2:08:54It's growing the f*** out. What the f*** am I supposed to do with this? Nothing. Wow, it's going to be an interesting 10 hours. Saucer, Checkers, energy drink, McDonald's. Again, I've seen like 50 ,000 energy drinks in here, but we're freaking out about her doing one thing. And neither of you should do either of these things to be clear, but your level of freak out on her doing one thing when you're out going insane, what the f*** are we doing? I don't know. No, you also got$150 immediately spent on a Red Bull beverage before that flavor went out of stock as well. You just blew it. Hey, he did ask me about that first.

2:09:28Yeah, but you don't know anything about the money. I didn't know anything. You asked about the hair thing, right? No. No, I did not. I didn't think I should have to ask. ATM would draw. No, but it's good to communicate while we're budgeting, trying to get out of debt. Well, he didn't communicate with me, so. I agree. I agree. You're both. But it's really silly how angry he is about it when he does the same amount of insanity, if not more. Energy drink. Energy drink. Energy drink. Cash app. Cash app. Return item fees twice this year. What do you have return item fees on?

2:10:04Well, no, that actually makes me curious because she doesn't spin on anything. So why would she have a return item fee? Guys, what are our thoughts? Give me your thoughts while I'm adding up the math. What do we think? We just went through all the depth. Oh, I know we're fully in the negative by like a good thing. Pixie, I want to hear your thoughts because you didn't know what was going on. We just went through everything. What do you think? I'm disappointed. Give me more than that. I'm adding up numbers.

2:10:28I don't know. I wish I knew like the full picture before we even got here. That would have been really nice because now I have to mentally process this for like the next week or so. So that's nice. $1 ,589.17 are our debt minimum payments, not including the mortgage, which is$1 ,381.19. Well, there we go. Our budget's already over. We lost. The debt payments and the mortgage, it's gone. Like, we're done. That's it. I mean, let's assume maybe you bring in an additional 2 ,000. Where are we at currently? And that's hopeful because we don't know how many hours you're working. We don't even know what's happening at this job.

2:11:18No. So we're already at 3 ,000. Let's see. Let's keep going. Utilities, internet, all that stuff combined. Into the mic. How much? The electric bill actually has gone up. How much? It's not like$160,$170. Gas? Like vehicle gas? No, gas for the house. Is there no gas? Like$30. Okay, there'll be more in the winter, but that'll supplement from the electricity. Internet? It went up to$80. I am canceling it and trying to find a different one, though. Utilities for now,$271. Phone bill? I don't have one. Parents. Either? No, no. My parents pay for my shit. When you get your own, do helium. 15 bucks a month for each line.

2:12:07If T-Mobile's good in your area. Uses the same towers. Gas, vroom, vroom, drive, drive, both combined.

2:12:15I don't really pay for my gas all that often, so. I buy her gas. All combined in a month. Let's see. Best guess. Come on. 120. Car insurance combined? Her mom pays for her car insurance. My mom just informed me that... How much is it? She said it was$69. You're going to have to pay for that soon? She paid for it the last two months. Okay, how much is yours? The motorcycles are... They're paid for the year$180. $180 for a year, not six months? A year. Divide that by 12 plus your$67, you said? Okay, so car insurance,$82. It was like$200, but I had full coverage, so. Oh, you're not going full coverage.

2:13:06Okay. Yeah, I went. $600 for groceries. Use the budget-friendly cookbook and the meal plan we give you in the budgeting class. Total fine. You just got to warm up, cook a few times a week, and then warm up. TP fund, anything else to survive? We should be able to do 150. Toilet paper, tampons, all the goodies. You probably don't need those right now anyway, right? Isn't that how that works? Medical healthcare, co-pays. Other co-pays. I mean, you're not going to the doctor? I'm going, yeah. There's no co-pays. I'm underneath my parents' insurance. And there's no co-pays? There's no co-pays. Is there a gym?

2:13:37I'll pay. We don't go to the gym. Okay. Subscriptions. I want to. 30. Okay. Well, I'll bucket in that bucket. I'll write in gym 30 bucks. Nobody needs a gym membership. No one. Go on. Your body is free. I feel like a flabby and flapjack. Nobody needs a gym membership. $30 for gym. For her. $30 for subscriptions if we can. Pen insurance, good the fuck. Pet. Food, how much? We don't know that number. $80 a month. Yeah, for the dogs. It would be for the dog. I'm going to say$100. No, the dogs, we have to buy them food multiple times a month, I would like to say. Because we got four. Well, even if you bring in an extra$2 ,000, we're still under.

2:14:23So currently, in order to survive, you need$4 ,348.28. cents. Yeah, you bring in$2 ,000 and even with her additional$2 ,000 if we're lucky you're f***ed. This one, listen, one, you're going to sell the bike preferably the more expensive one. You probably won't. This is f***ed. Here's the reality. Maybe we change our behavior and learn how to budget for a couple months and then you can do bankruptcy, but I'm going to pay for you to sit down with one of our finance people, Reed. I'll pay for the session. He's going to go through this. He's going to analyze before and then give you guys a plan because you just need extra help.

2:15:00I think bankruptcy is the only way to help it. That doesn't even help our mortgage situation. Would we leave the house? No, but again, that doesn't solve your issue because your house is way too much. This is just crazy. I'm sorry. This is just... I don't even know, guys. I'm sorry. I don't even know. I'm going to pay for that session. At this point, I mean, I'm burnt out. This is... I'm sorry. It's fine. This is your life. So I'm sorry. Oh, fuck. Okay, I'm not going to spoil what it is. Oh, my goodness. There's something that Levi doesn't know that she's been doing that we're going to talk about on the post show.

2:15:40Sorry, big guy. It's weird, too, and juicy. Okay. We'll do that on the post show. Let me get the Hammer Financial Score, and then we'll go into the post show. Click that Join button. Hammer Financial Score. Spending in a budget, 0 out of 10. Overspent. Debt. I mean, it's impossible. It's a 0 out of 10. There's not even collections or IRS and it's a zero out of 10. Like that's insane. Emergency fund. There was nothing zero out of 10 in retirement. There's nothing zero out of 10 in real estate. It's a break even house. Three bed, two bath. Hmm. 1 ,300 square feet. I'd rather it be 15 for resale, but three bed, two bath is at least helping.

2:16:11Okay. With the break even, not in a perfect spot. Interest rate. Well, you got double debt on five out of 10 because at least you're in the market. So Hammer financial score for the household, one out of 10. Guys, join Hammer Elite. Click that join button. We got three premium shows we post every single day, Monday through Friday. including an extra 20 minutes of this episode in the Financial Out of Post show. I will see you there right now where we are going to expose Pixie for something Levi doesn't even know. Get ready. Someone from the strip club is still sending her a lot of money through cash up.

2:16:38I text him every other day. Oh, every other day. Oh, that's my favorite one. God, I love you. I know you're getting married and having a baby, but I will always love you, boo. I just wanted you to know. You were doing this behind his back. One of them. I've actually never seen this photo. I want you to answer truthfully. Have you ever done anything with him? Exclusive members content? Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.