The Biggest Losers Ever On Financial Audit

24:30because it's way too complicated to use. So you go to every dollar, that's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they wanna sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise. built by these people just like you for people just like you.

25:04No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollawise.com, link in the description below. On the photography shit? No. Very good, so you're making thousands of dollars. It is entirely outcome driven. I think that it could be supplemental income for now. I'm not planning to start a whole business. Maybe, how are you getting clients? And what, what kind of photography? What are you doing? Portrait photography, family photography. Okay, yeah, there's definitely none of that in the entire, huh? I've done it in Steiner Ranch before, neighborhood pages, post as a photographer.

25:34I've gotten money from that. And everyone's doing that. I know. But I'm saying, it's that or like, I need to do something. I need to - If you're able to do that, why can't you do something else? Well, because in that specific instance, I might be able to take medication for a shoot, but being able to consistently maintain a job with how the flares are and how severe they can get, that's hard. That's why I was struggling so much in my job. Yeah, potentially, but you're discounting the amount of work it takes just to even get a f***ing shoot on an ongoing basis. That's what I'm saying. I don't think it's ongoing.

26:05I think it's supplemental. If you literally can't move when you're flaring, it's like, okay. Yeah. So, okay, you're getting shamed for not doing the dishes even though she doesn't do anything all day. Rip. You. Your life sucks. Are you going to let him say that I don't do anything all day? No. She does do a lot. Oh, wow, you're pussy whipped. You're pathetic. Yeah, but she actually does do shit. The dishes specifically, these soaps that we use, flare her hands and cause blisters and shit. She can't do anything. No, that's what I'm saying. I really can't, and it drives me. What are you going to do?

26:44What are you going to do? What are you going to do in life? Like, just, it's like time to give up that nightgust. I don't know. I have nothing for you. If everything in this conversation is, well, my flares. It's like, what the f***? Why'd you come to financial audit? This isn't flair audit. I can't help you with your flares. I know. Your body's... That's not my... I can't fix it. I think it's ridiculous. My parents have offered to help us, like, pay for medical for me to go to Mayo Clinic. That is our next referral. And we're going... I know. Okay, well, what can I do? The problem is that during, like, this time, this is the first time in three years I haven't been able to work.

27:16And I'm not entirely sure that he will maintain us. I can't work very much. And I'm... Guys, you literally told me you're not meal planning and meal prepping. We plan... We meal plan. I'm not like meal prepping breakfast, lunch, and dinner. Why? If we're crying about not having enough meals a day when with the unemployment, you guys do make enough and you'll get food same soon. And he smokes cigarettes all day and you're paying for Chad GPT and all this shit. Yeah, your little addiction, by the way. Why the f*** aren't you meal prepping? Thank you, guys. She has a real medical thing. This is how I'm reading it now, just with their arrogance and how they're not willing to cut back on things and just how they're doing and then they complain about the meals.

28:02If you guys haven't picked up on this, I am now. She has a real medical diagnosis, but she's using that to be a victim in everything in life. Oh, absolutely not. Well, you're having this conversation so far, so prove me wrong. It took me seven years of dealing with this. Oh, here we go. To get to a point where I could even get to not working. Cool. I don't see how the, how does that make up for you being a victim of not meal prepping? I'm not playing victim. I don't want to deal with this. I don't want to. No, but you're using it to play victim and everything. I can't. So far. Meal prepping. Oh, here we go.

28:39Oh, I hold people's hands when they cry, but a little bit of pushback on you not meal prepping and it brings you to tears. Meal prepping. Meal prepping. It's meal prepping. Guys, it's meal prepping. I'm sorry. I can't have sympathy for tears for meal prepping. It's not about the meal prepping. It's that I do everything in our house nonstop with this, and I'm being called the victim, and you don't do anything. You work. He's working. You finally got a job after three months of us wasting the$12 ,000 we had in savings. If he didn't have a job, I'd be kicking his ass that he's not helping around the house.

29:12But he has a job. You don't. Why is it on him to deal with the dishes? I'm sorry. If that's the big thing that was back from meal prepping. He says that it's on him to deal with the dishes and he hasn't done them in like six months. So I don't understand how that's his job. Okay. Okay. He's pathetic for not doing it, but I'm sorry. If someone's not doing the dishes for six months, I just step up and do the dishes. I do them. That's what I - Then why are we crying about not being able to meal prep? Right now, I can't like, I can't manage our finances well enough to have money. Shut the f*** up.

29:45I'm talking about meal prepping. I didn't bring up finances yet. I'm talking about meal prepping. You literally pulled the victim card immediately five minutes into the episode about, oh, we can't even get three meals a day. It's because you walked through the dishes. Dishes. I can't have sympathy for that. I have sympathy for your flare up and not working. That's why I haven't pushed back on that. I didn't say go get a job. You haven't heard me say that because that's real. I have sympathy for that. Do I have sympathy of running some a dishwasher? No! I am doing that. I'm not saying it's going to...

30:25Then why aren't we meal prepping? It's hard for me to manage all of our finances and try and figure out where we can get money to do that. Meal prepping's time! Meal prepping's time! What do you mean? That's why we're here, so we can get your budget notebook and all of the things that are supposed to help. Oh my goodness, no offense. Yeah, it's nice. The 30-day meal plan's nice, but you know how to f***ing meal prep. You're not individuals. Guys, spaghetti and meatballs and sandwiches. I can't eat half of that either. Oh my gosh. Why am I even talking to her then if she can't do anything? What can you eat?

31:04It's kind of limited. Hey, what can you eat? Well, that's the question that you'll be answering. Thank you. We have like a set list of - Hey, what can you eat? I'm trying. I mean, there's a lot I can't eat. Okay, let's talk about what you can eat. Okay, I can't have tomatoes. I can't have any nightshades. Hey, hey, I said can. Can, do you know what the word can is? Let's try can. Okay, so like chicken noodle soup. Hey, let's have her answer because like I don't trust you. You're a little, you're dumb. It depends on how much I'm flaring, but I can have things like soups. I can have like chicken.

31:35Easiest meal prep. That's the easiest meal prep. Soup. That's what we've been doing. What? You just said you haven't been meal prepping. We only, only, what, two meals a day. We can only have two meals a day. I'm sorry. Your tears are fueling me this episode because they mean nothing. They mean nothing. When there's actually something sad that happens in an episode, I'm sad with the guest. Your tears are pathetic right now. I have a hard time with this conversation because— Of not meal prepping. No, not of not meal prepping. Well, that's all we've been talking about for 20 minutes. That was disgusting.

32:12Control yourself. Um, it's just that like, yes, there's a lot that I can't do and it sucks right now. And meal prepping is part of it. Can we meal prep soup? You said you can have chicken? I'm not. You said chicken. Yes, we are meal prepping like for a couple of days, but it's not like, like a week of like stuff that. Unnecessary food. You spent$800. I can get you$600 at H-E-B with the meal plan and the cookbook for meal prepping for a month. So shut the f*** up. trying to come in here and cry, baby, that you can't have three meals a day. When you spend$800 a month for two people on food. Oh, she's going to cry about that too.

32:53Okay, what are we doing? What are we fucking doing? Am I the only one who's going to talk in this conversation or not? No, I'll talk too. I just got told to shut up when I was talking. Okay, here's the thing. For all three years of our relationship, I've been the main earner. I've worked...

33:16Congratulations. Here's your reward. This is the best I can do for a gold star. No, I don't. What's the point? My point is I'm tired of it. Like, I have, like. Okay, well, congratulations. You're tired of it worked because now you don't work. And he does. So it doesn't matter. Your dream came true. No. My dream, do you mean? I don't know. Like, I was on your side until all of a sudden you started talking about things I actually do know. And then I realized you were just arrogantly being victims, which makes me just not, unfortunately, trust what you're saying about the medical, but I'm not informed enough to push back.

33:49So I don't really care. So we had 12 grand from the inheritance that I got or tax return I have or whatever, and savings when I lost my job. He just didn't apply for jobs. So we spent all of that 12 grand during that time when I was actively clearing in and out the hospital. Right, yes. He now has a job. Guys, do you hear me in this show? I've said multiple, multiple times, I don't give a fuck about what you have done. I care about what you are doing. What you are doing now is he has a job. You do not, I'm not going to criticize you for the job part, but I'm going to criticize you for what you do with the money that comes in.

34:26And what that is, is I mean, you spent nearly 66 % of the money you spent getting groceries you all spent going out to eat. you're going to cry and bitch and moan pathetically about not being able to eat three meals a day, yet you go out to eat? Guys. Most of that's my fault, honestly. This is first world problems. This is beyond first world problems. Complain about not getting enough meals on the table, yet you go out to eat? We don't go. What conversation are we... Oh, hey, woman, you go out to eat. You can't say that. But y 'all don't say that. shut up. You literally can't say that. Most of that is me getting food.

35:09Hey, you're a part of it. No, like we don't go out on date. When are you going out? It doesn't have to be a date to go out to eat. Hey, is McDonald's going out to eat? Is Chick-fil-A going out to eat? Is Starbucks going out to eat? Is getting DoorDash of$359 going out to eat? That was groceries. Not all. We'll see. Yeah. Pizza Hut? Is that groceries? Is that going out to eat? No. I don't know. I feel like Pizza Hut, if I'm not mistaken, is not actually being made at home. I might have to be fact-checked on that one. I thought you meant like restaurants. McDonald's, did you make those fries at home?

35:42Or was that ingredients you got from a store called McDonald's? So you want to come in here and look sad and get the sympathy of the audience and me for not being able to have three meals a day, yet McDonald's, Chick-fil-A, Starbucks, DoorDashing, and Pizza Hut are happening.

36:05Oh, yeah, there you go. Most of that is me. No, you just got called on your shit. Sorry, you can't be victims when there's proof of you guys not being actual victims. I know that's a card you seem to have played your entire life so far. You're saying no, yet you just did it for 35 minutes. That is not a card I played my entire life, and that's not how I operate. What? That's how you've operated in at least multiple parts of this conversation so far? Yeah. Yeah, I'm in the part of my life for the first time I can't figure it out myself. I'm not criticizing the medical thing, but you're a victim.

36:36You're a victim on the food prepping. You're a victim on the budget. You're a victim on the income coming in. And I'm talking about the unemployment differently at the job you got fired from, but you still got unemployment anyway. You're a victim talking about not having enough meals, yet you spent enough for three people on groceries, and you also went out to eat for an additional$600. Yes, you absolutely did. Don't try to pretend like you didn't. And we'll not let that slide. There will be nothing productive that comes from this conversation if you are not able to accept that you are being a victim.

37:06If you are not willing to accept that part of your behavior being called out, then you'll never improve ever in your life. And then what the f*** am I doing? Right. Uh-huh. Speak, boy. On what? Something. She said you're not speaking, so there must be something there. In fact, unfortunately, when I look at you, I can tell there's nothing. Honestly, I don't know. I told you, there was nothing. Okay, so you're the breadwinner. How much money were you making? 65 to 70, depending on where I was working. Now, you were telling pre-production that you had your last job for 10 months and you were stressed all the time, which led to the flare-ups.

37:52But you were in, I mean, no offense, and I have some of them here and they have the least stressful jobs. Marketing. Marketing is not stressful. The boss that I had was like crazy. Wait, multiple people were going to the fucking ER from this marketing job? From the boss that we had multiple people on my team all went to ER for stress-related incidents, yes. What? Okay. Yeah, and we went to HR. Make sure you never hire anyone from that team. Sounds like a bunch of pussies. Oh, no. No, no, she was a bitch and I never spoke to her directly. Did you work there? No, but I did. Shut the fuck up. What?

38:31I work from home, so he witnessed it. She worked from home. What did your boss do? Took her credit. Well, not only did she take credit for everything. That's our, we went to the ER because we lost the credit? No, no, no, no, no, no, no, no, no, no. She not only is working other jobs, like, while supposed to be maintaining this job. That gave you the stress to go to the ER? She had another job? I'm not saying. Okay, continue. We picked up her whole workload. We had no training when I started. Okay, these are basic job things that everyone has experienced out there. Continue. Okay. I'm waiting for the...

39:07She would constantly push off all of her work on us last minute. You've all experienced this and so have I.

39:17I've experienced it. I'm not saying that it's like not normal. You're saying everyone went to the ER. ER. I'm waiting for the thing that sent everyone to the ER. It was constant. It was like, it's not like, it wasn't like a boss. Like if I dealt with a boss, that's fine. I mean, she was like pushing off projects, telling us we had one day to do them when it was like a two week project to make a book, like a whole thing to print and produce. Right. I mean, it sounds like a shitty job, but we've all been in this position before. Yeah. It was a horrible job and I kept it and I did it anyway because we had to, as you said, right?

39:51I think you guys were enabling each other. I really do in this victim mindset shit. I really do. No, my team member who worked under me went to the ER for, she was in for a week and a half. She was admitted for, like, she had some stomach thing. They were saying if she doesn't cut back stress in her life, she's going to have to surgery. Okay, she had a stomach thing. She needed to cut, cutting back stress is a thing that is oftentimes given as a prescription to multiple things. That doesn't mean she was given that due to high stress. But you want to cut back on stress through a lot of things that happen to your body.

40:24Yes, that is very common. Blood pressure, blah, blah, blah, all of it. Cut back on stress. That doesn't mean stress caused it though. Well, from my understanding. Oh, fuck. You guys can never have a job. No, her previous job, she held down for like multiple years. What's multiple years? Four or five years. Okay. I was working as a contractor. So I worked full time for Canon, VMware, a marketing agency called Innovatus and a couple esports teams. So why didn't you leave the job with your Nazi boss? Because I didn't have clients anymore. My main client did not fulfill. No, why didn't you go get another job?

41:08I was applying the whole time I was there. I just I couldn't find anything that like I would go through interviews, multiple like interview processes, get to the final point. and they would say, you know, we would have selected you. See, this is what's concerning for me. With the notes that I'm giving and what you talked about, the little side stream of income, that you want to keep being an entrepreneur, you want several streams of income, and you want to make businesses out of hobbies. I don't think you realize you having a bad boss, that was stressful. You will never experience stress like running a business.

41:36I know. It is the stress, most stressful. If you ever get employees, if you ever get anything, you will never experience stress higher than that. I've aged like 10 years and two years. I'm doing something about my flares. Like I have to pursue it. Oh, also when it comes to her doing what she wants to do, she can do something about her flares. But when it comes to her working a job, she can't work a job because of her flares. I'm doing something about the flares regardless. That's why, like, right now when I'm not working, that is what we're doing. I'm on the second month of a new treatment that we're trying.

42:05I'm supposed to go to Mayo Clinic in July. I start with a new specialist next month. Okay, so it's time to get a job after that then. Right. And that's my concern is like, we're blowing through savings like crazy. This job, like I appreciate - Why are we going out to eat? Why was our going out to eat spending$500?

42:23Right. Because it needs fixing. Let's cry about it.

42:33Yeah, keep touching. That's going to make this go better. I think you guys got called in your shit for the first time in your life because no one around you is willing to.

42:44Yeah, I don't really have very many people in my life, especially to call me out on my shit aside from her. And she does call me on my shit most of the time. Yeah, like not doing the dishes. Not doing the dishes, keeping a job, buying for jobs. You should probably just be a f***ing adult. Yeah, that would be nice. I don't think that's her nagging or her being on your ass. I think you should just get a job and take care of the house like a f***ing adult. Yeah. And it's pretty pathetic not to. You guys said you have kids, right? Is that what I heard? Yeah. They don't live with those kids. How many kids?

43:17Two. Five and six. No, you said you have kids. I have kids, yes. You have kids. Five and six? You provide child support? Yeah. Roughly 200 a month. Does that? Not anymore, though. Yeah. Why? Because the child support is to my mother. My mother has custody. Yes. When I lost my job, her and I sat down with our budget, and we were talking about not doing it in the meantime while we figure out what's going on. how do we even communicate in this house because I feel like you probably just like we don't yeah I bet if you hammering shit down you'll be like I'm not thinking about anything he just won't talk to me ever like we'll sit down to look at our budget and he'll look at it and be like I'm too tired to have this conversation right now and then you yell and cry out no we just stop we actually don't fight very often at all we just don't talk at all either which is why we're not fighting well I don't know if he's capable but I mean I'm being told to primarily talk about your relationship through sending each other TikTok videos anyway neither of us watch them that's a whole thing about it well I don't think that's a way of communicating it's like a passive aggressive type thing because it's oh it's because you're both basically

44:31it's just frustrating I feel like I've ran our household by myself for so long and he He has a ring, and I'm like, I don't know if I'd say yes tomorrow. Oh, you're not married? No. Oh, thank goodness. Both of you run from each other. Hey, you dated in high school. That's great. Guys, no offense. I mean, I don't want to. If he's leaving, it's not like leaving someone that just got like, like, stage five cancer, right? Right? Right? Right? Like, it would be bad if he left there. Probably it would look bad. It'd probably be less stressful, actually. Huh? It would be less stressful. He would be less stressful?

45:17No, no, no. I think it would be, like, if we were to break up, it probably would be better on my flares and less stressful. Oh, yeah, that's what I'm saying. I think both of you would be much happier. I don't know why you guys are together. Like, well, what is keeping us together? Love. Huh, sounds like it.

45:41Is she going to cry the entire hour and a half? No. I just launched the brand new Hammer Elite app available on every major platform. You'll get three exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30 % off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. but it's limited to the first 1 ,000 people to purchase. For a one-time payment of$500, you'll get our entire Hammer Elite catalog for life and a limited edition Hammer for Life box packed with limited edition merch you can't get anywhere else.

46:19Plus, you'll get access to our exclusive four-hour Hammer Elite Day livestream on June 27th. Download the Hammer Elite app by using the link in the description or pinned comment below. This is the best membership you'll ever join, and that's a promise. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits.

46:57The recent historic verdict underscores the consequences of those decisions. Now Morgan & Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over$1 ,000.

47:16Don't lie to him, probably. I'm just, it's like all, like we've never been able to talk about it or like sit down. I can't get him to have a conversation. All right, let's have the conversation now. This is the first time that we've sat down and it's just all coming out. So what have you wanted to say to him? Tell him. one, I don't know if I'd say yes if you propose tomorrow. I love you and I've loved you for like so long, but you don't help around the house. You don't apply for jobs. You don't contribute to our finances. You have no motivation in life to have goals. I want to accomplish something.

47:48I hate that I'm in a position where I can't right now. And you have watched me at home, still doing everything I can. I've gone through our whole house, which you failed to mention. Like I am actively door dashing. I'm the first person who's fixed our car, which that was a whole surprise. And like$1 ,300 we did not need to spend had you done what you had told me we're going to do. I feel like I spend all the time being in charge and undoing what you just like, if you don't do it, it becomes a problem and I undo it. and right now like now that we're in a position where it's like I'm not making money then what like do we lose our apartment next or do we figure this out because I don't know you know well how much do you make in commission I don't know you forgot to pick up your check for a week and a half like that's like you're getting paid why would you not want money like like pick like just take your check from him you don't do anything you just forget but your last job you worked four hours a day watching YouTube all day and then um and then you went to like home and played video games for eight hours a day and still weren't helping around the house so it's like this isn't like a new problem where it's like oh you know you're not cleaning while I am home but so that's fair I can admit I was a lazy piece of shit for the first three years of our relationship didn't help, didn't do.

49:17Wait, I believe that's the all of it? That's all of it. But continue, please. Our three-year anniversary was in April. Sorry, I don't want to interrupt you, except I just did. Continue. That's fair. Anyways, I have been a lazy piece of shit. I haven't helped out. I haven't done anything to support the relationship. But I feel like I am starting to try to help out. You're showing up to your job. and I would argue that that's a pretty basic adult skill that needs to be done, right? But I would say that I've heard you say that you recognize that it's wrong and that there's a problem and that you recognize that like the stress is like clearly having an issue.

49:57Let's let him keep responding because you said a lot. I haven't done anything. Yeah, I haven't. I am working on being more, not open, open's not the right word, but communicative? I don't think that's a fucking word. It is a word. Okay, we'll bet. I'm trying to actively be more present in the relationship. I haven't done the greatest job of it. Is he? He's saying he's working. Is he working? He is working. Okay. He's doing that. No, no, no. He says he's working on all of that. Is he working on all that? Or is he just pushing it off? So he went on a business trip for a week this last week. He's been gone the whole week.

50:43He had four days off before he left. And I said, before you leave, I need you to do these three things that I can't do before you go. I need you to fix the litter robot that you like deprogram so it's working while they're gone. I need you to do the dishes that you have your special cast irons that you wash a specific way and whatever. And what were the other ones? One more. Should have been. Either way. There's two more. But they were like very simple like things and he had four days to do them. And I told him at the beginning of the four days. So he had plenty of time. When he left, he left the little robot unplugged, didn't fix it, didn't do the dishes, didn't help with like any of the four things I had asked him to do.

51:25There was actually something that caused a problem. I'm trying to remember. It was a little robot. It was. Yeah. He had left it like completely unplugged to the point where like I didn't find out until like a couple days in. Why don't you do anything? Also, what the f***? Business trip two weeks into this job? A week into the job? They go to Tulsa once a month to go sell there because it's a better market, but that was not our experience when he went. Yeah. What the f***? Tulsa, they just need more keys? Yeah. No, but they just don't have a van up there. Everybody needs keys, man, I guess. Why doesn't someone start a van there if it's such a good market?

52:02Because my boss is now covering it. Open your phone and give it to me. Oh, thank f*** it's an iPhone. They both are. What do you need? Whatever I want, boy. How is it that you are four years younger than me and look 40 years older than me? A lot of what I was doing, not good shit. You also don't have a chin.

52:28He's not wrong. Damn. We've talked about that, though. Yeah, I have a lot. He needs dental work. Ask him about his insurance. Oh, it's a dental thing? Oh, ask him about his insurance. Oh, that's fine. I don't know if that changes you having a chin.

52:47Type in your passcode, freak.

52:51Do you not know your passcode? Wait. It's like a pin, not like your passcode, passcode. Yeah, it should be... Bring it back up. I don't know what you did.

53:06Okay, you will eventually lock your phone. Free failed passwords, bro. How do you not? Trying to look at a screen time, which is for some reason password protected. What the fuck is wrong with you? I have no idea what that passcode is. Would it be our anniversary? That's what I tried. Brother. Uh-huh. He doesn't know his bank password either. So she has to take care of everything for you.

53:37Do you want me to try?

53:42He's not hiding. No, he's not hiding shit. I'm just a little slow sometimes. Oh, so she got your health insurance for you because you're pathetic. She knows your bank logins because you're pathetic. Why can't you do shit? it? Um, just a lazy piece of shit and I'm relearning shit. He answered it. Well, just leave. You might love him, but your life will be so much better without him. You guys haven't bred yet. You're not married. Leave, leave. Why? Why? Yes, you love, you'll love someone else. There's a lot of life. You're 27. Leave. I told him that if this isn't something that we can resolve, then this isn't just something though.

54:28This is the finances I'm talking about. He leaves his job every five seconds. He's only excited because he just went on a trip to Tucson. But that, he doesn't do his like custom dishes that he needs to do. He doesn't do the kitty litter. He doesn't do anything. Bro won't get health insurance. Bro won't do anything. Doesn't know his bank login. He can't even burp like a normal adult that's on camera that you need to leave this man. I'm sorry. like I don't know what does he provide for you besides that you love him which is important but you will find love yes you will no no no to answer your question he I mean he does show up in ways that like if I'm flaring and I need help like he will help he's there like you know but but financially or like in terms of having goals or motivations in life, like, no, that's not something that he seems to like.

55:34I couldn't be with someone like that, even if I love them. I can't either. Even if it was Sydney Sweeney and she didn't have. I could be with Sydney Sweeney if she was like, I'd make her my housewife. I'm not going to lie. It'd be fine. Nevermind. She can have no ambition or everything like that. Yeah, yeah, yeah. But listen, he ain't a 10 out of 10. I just, I know that like he's capable of it. I've seen it before. Or like we've been friends for so long. When? When he does it for like a month? No. He didn't used to be like this. Like years ago. Like when we've. What happened? He went and made some poor choices.

56:07I mean, that's fine. But the poor choices are done, right? Right. So why is he not bouncing back? I don't think he feels capable. He might not be. He's a fucking man with him. This job for the first time, like I think the reason he's so excited is he feels like he is doing something. Okay. But for what it's worth, he's excited that he's been at a job for three weeks. One week was on a paid trip to the desert. Like, he's too... We're all excited a couple weeks into it first. Dude, I was excited a couple weeks into when I worked at a pop-pop place. That place ended up sucking. Yeah, I worked at a garden center.

56:38I was super excited, and then I hated that job. Exactly. That's how it all starts. So that means nothing that is exciting. Right. I just... I want to give him the support to have whatever career path he wants, but I just don't know how to do that when he doesn't even know what he wants. Go to settings. I don't think because for what it's change screen time turn off screen time passcode I might know it you gotta wait 4 minutes oh you can do forgot passcode and then your Apple do you know your Apple password buddy if you don't know your Apple password I'm gonna and I actually believe it I believe it if you make kids with him They're going to have like triple downs.

57:24You can't. Don't read with this man.

57:31It hasn't been tracking. So we can't even see because it's been off. I will say you won't see anything on there anyway. He doesn't spend a ton of time on his phone. He spends it all on his computer. Even at home when she needs extra help? Yeah, like eight hours a day. Doing what? Oh, gaming, she says. Apex. Okay. How many hours a day? It was pretty constant. It was? I'm talking about now. I introduced it to him like maybe two years ago. He has about 4 ,000 hours on the game already. Okay. I mean, that's a lot. And I know people with even more, right? 4 ,000. Yeah. How many did you have on respiration?

58:095 ,000? Okay, it's a lot. It's a lot. Yeah. Okay. Yeah, that's a lot. Okay, but how much now though? From the time he gets home until he goes to bed. So probably about four or five hours a day. And then on his days off, it's all day. You just started streaming again too. See, if you're able to stream, if you're able to do the photography. I've streamed twice. But even still, let's pretend you make it as a streamer and you make it full time. You wouldn't be able to handle a cancellation. The first cancellation you get, your body would literally inflate. I've been a streamer before. Yeah, big enough to get a cancellation?

58:41Yes, I was making about two grand a month as a streamer. Okay, so not big enough to get a real cancellation. Not like a, no. If you ever made a substantial enough living off of it to get a real cancellation, your body would literally explode. If your stress from a marketing job because your boss handed you a last-minute project was enough to flare up, dude, you would die. You would actually die. Your organs would shut down. You couldn't handle it. I don't think I can handle not working either, though. I have always worked. Oh, fuck off. No, like— Okay, what do you guys think your hammer financial score is for the household?

59:11Zero. Zero being the worst, 10 being the best. Zero. you were able to get there all on your own proud of you appreciate it get yours for free calebhammer.com take the assessment just takes a few minutes to see where you stand in the world of money where you're doing poorly where you're doing great how you can get to the place of doing great and a good way to get there unlike the guests on this show is to download the DollarWise budgeting app take the free trial see if you like it most people do and if you do sign up for the annual version it saves almost 50 % that's why most people do it and then you also get the signed version of my 30 day meal plan Thank God I'll sign it and mail it directly to you It comes with the digital version of the cookbook for all the recipes Appreciate it Uh-huh That's for all snacks drinks and meals Huh?

59:56No If you're a good boy I'll sign it Say less Visa Well, Best Buy All of the credit cards Well, you're a nerd too So, oh Okay Why are you going into credit card debt? Because we have to pay bills So when I Like in the times Why don't you go out to eat$500 last month? Doesn't make sense. Miscellaneous bullshit, also$500. Doesn't make sense. So you spent on bullshit minimum$1 ,000 last month. You can't use the excuse because it's the paid bills. You've been spending bullshit. He just got this job. You're unemployed. Unemployment's about to run out. Food stamps hasn't kicked in yet because it takes like 30 days.

1:00:31Why$1 ,000 on bullshit then? I guarantee you all the credit cards going up was not$1 ,000. You spent$260 on here. If I turn the page, will it all be necessities on the best buy card? The best buy card, no. Then how can you tell... See how she tried to be a victim there. She tried to look good. She tried to do it again. No, you're right. Why is the credit card's up? We had to pay the bills that we couldn't afford. I asked the cards, and I obviously said the best part. Buy card. Oh, we couldn't afford... I had to make sure the food was on the table so we could live. Okay, okay. Like, what are you talking about?

1:01:11$216.49 spent. Well, interest is accruing. Well, you only made a$30 minimum payment, which is higher now. It's up to$51. $51 is your new minimum. Yeah, you owe$1 ,929.04 on a$2 ,000 limit. What do you know about the finances of this household, my friend? Honestly, not shit. I know... Do you know shit about anything, my friend? I know shit about car keys. I can tell you that our average... Is he even good at Apex? He's okay. Oh, 4 ,000 hours to be okay. What are we... 4 ,000 hours to be okay. He was almost a Masters player. Put the fries in the bag. He won't work fast food. I don't do fast food anymore.

1:01:59That's not what I'm saying, but also, yes, you will. You are the prime suspect for fast food. No offense to fast food workers, but... No, he was a full-on make-shape manager and everything for fast food. He was, like, excelling in that. He just won't do it. I won't do it. Well, that's pathetic. Leave him. If he won't do something, leave him. Are you flaring now? You're getting red. It's because I cried. Does that equal flare? Are you going to break? No. My skin, you'll see it. Is it disgusting? No. You saw the video. I mean, it's just going to look really red. I'm going to be able to draw on my face like we can play tic-tac-toe.

1:02:36Well, why didn't you like fast food? Was it the clientele? Not necessarily the clientele. It was the work. He worked at KFC. He did? I ran that KFC. Who's the slimy little communist shit twinkle-toed cocksucker down here who just signed his own death warrant? Oh, just like you're going to ran the van. I know. I was using your word. I was being a silly goose. But yes, I'm going to own that van. With rent. You're going to rent it. With a permanent rent forever. Right. Okay. So let's see what this Best Buy card was spent on. That is basically maxed out, by the way. Maxed out, by the way. Maxed out.

1:03:25Okay. Oh. That is a problem. Yes, I understand. We've had a late fee this year. Yes. Why? Why? Before she says what she says,$1 ,000 on bullshit in a month. Yeah, no. I'm trying to remember what the late few was for. I don't remember, candidly. I have, I think, three total. I don't know. Your eyelashes falling off your red eye. Inside corner. Oh, it was last month. Best Buy. Interactive software? What'd you buy a Best Buy for$216.49? sense. We replaced his controller and returned it. Yeah. No, we returned it, though. Yeah. Okay, we didn't need to replace a controller. I'm glad you returned it.

1:04:14I'm sure you'll spend it on something else next. $30.74 % interest rate, which, by the way, the deferred interest, not that long from now for the first one. So much interest is going to hit this card, it's going to boost way above the limit. It hits in January. It's$300 in January. Oh, if it is in a nice old Affirm, Klarna. What are those? Oh, Klarna. She's a Klarna girl. What's your Klarna, Klarna girl? I'll tell you what it is. Amazon, Amazon. Affirm. TPW? Fishing license. Do we need a fishing license if we're complaining about not being able to put food on the table? Is that what the food on the table you're going to get is?

1:04:51Fishing? No, but we have caught fishing. Guys, you're in Austin. Where are you fishing? Lake Travis? Everywhere. Lake Travis. Do you need a fishing license to fish on Lake Travis? Yes. You need a fishing license to fish anywhere. Is that true? Yes. I've done a lot of... No, I haven't. No. That was a long time ago in Michigan anyway. And all water passes about 40 bucks each. Okay. This is a hobby, correct? Okay. Why are we doing this if we can't put food on the table? Because if you get a fishing license, you can put food on the table. And that's not why that happened. It's not why it happened.

1:05:27We were on a trip with my parents to Corpus, and he had a buddy from high school who wanted us to go fish with him. He's a commercial fisherman, required us to have licenses. When you couldn't put food on the table. Any chance$500 poles came with it? Yeah. The answer would be yeah. Pathetic. What is wrong with you? That was... You said, oh, the credit cards are going up because we can't afford... We're just putting our necessities on it. We're putting our necessities on it. $500 in fishing. The poles were actually inherited from her grandfather who passed away. How did you spend$500 on poles, though?

1:06:00So we fixed his rods, and then we bought him. Do we do that when we're unemployed and we're dying? We weren't unemployed. Yeah. We had gotten the inheritance, and it was like the week that I lost my job. What, the pole fix? Yeah. Yeah, so we fixed my grandpa's poles, and then we got him fishing rods. And then the logic, which rightly or wrong was that. The logic is you go to Lake Travis now and use these poles and get some fish on the table. The logic was we have something we can do together when we're broke. Carp? Not necessarily tasty, but it's everywhere, and it is still protein. Yes, exactly.

1:06:33There's also catfish in there. We also grow a lot of our food, too. What the f*** are we talking about? You're backing further and further away from what you're— I'm trying—so we spend a lot on bullshit. That's part of the problem is, like, I try and— What's your growing? How much land do you have in Austin? We have a petio. We have a balcony, and I grow a f*** ton. No, but it's a 20-foot balcony. Whoa! How much food are you growing? What are you growing? So we have tomatoes, jalapenos, onions, potatoes, blackberries, blueberries. Potatoes, I can actually do something. The rest of that is not going to produce much.

1:07:00Carrots. Carrots, maybe. Okay. And we have a community garden in our complex. Yeah, that has like apples, pears, plums. I better eat it all. It's fucking nuts. Okay, listen. That's just an upcoming payment. Pull up your affirm for me. That's Klarna. Do you want a firm for Klarna? Yeah, Klarna. Great. So I know a firm's coming. Yeah, it is. It's worse. Okay. Why is your screen so nasty, creature? Eh. Eh, just what are you doing, lady? Can't you just fucking like, eh. Have you seen my skin? That's an impossible battle. What? What's happening? It just. You shedding? Pretty much. Use lotion. I do daily for three hours.

1:07:45We have three hour routine. Yes, it's like a whole fucking thing. Okay, you're broken. Why are you with her? Because I love her. Okay. It wasn't like this six months ago either. Yes,$319.83. Looks like you're monthly. Oh, because you got them all in like the 32 % interest plan. $32.25. Fuck your... Fuck your... Oh, so I'm just touching all your skin right now? This is nasty. Amazon, Walmart, TikTok. TikTok! TikTok! Huh? I said, and you said I'm a pussy. It's just dry skin. Touching other people's dead skin? It's not a choice. That's being a pussy? Yeah. Putting it on my fingers. Yeah. Other people's dead skin.

1:08:28Yeah. Moving on to, I'd rather be yelled at by TikTok. So that purchase specifically, I can only wear certain fabrics and stuff. Of course you can. We got them from, if you look at it, it's all shirts from this one company that, like, it's a certain, like, fabric that we know that I can wear. And so it's all that. I'm just brushing around the skin right now. You want me to wipe it off for you? That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to$200 in bonus cash right now. When you sign up for the checking account that I use, Chime.

1:09:11Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. stop bleeding out money making minimum payments across multiple high interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of lining some bank's pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18%, or oh my goodness, a payday loan charging you triple digit interest rates, you need to hear this.

1:09:48If you've already cut up the cards and build better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal, this isn't a magic bullet. If you refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate.

1:10:30Check out the link in the description below to see your personalized offers or go to calebhammer.com. And remember, you still got to do the work. But do you need this many shirts is the question because you are getting that. Because I'm, yeah, you're getting a lot of shirts and also paddle boards all shirts all shirts paddle boards well that was you don't need paddle boards no i agree with you um well you agree with me then you're good as i got some sage does that make your skin better that was vanilla bean are you cutting off your skin there's an air pump gotta get it for the paddle boards probably and then a lot of shirts do you need all that Well, your Amazon.

1:11:07Yeah. The shirts are the one that you see on Klarna, though. Yeah, how many do you need? Go through them pretty quick. One thing in the cart. What's she thinking about? You don't need more fake jewelry. I didn't buy it. It's in the cart. It's a dangerous place. Okay, well, you got a lot of makeup shit. A lot of makeup. A lot of makeup shit. Injection pain relief. It's for when I get my treatment. that one's actually fair cat stuff that's fair you got a fish oil aren't we fishing already guys what are we doing that was cancelled thank goodness gloves for the skin yeah okay it's for the cats okay now there's too much cat stuff you're getting too many toys if you can't afford to put food on the table we're not getting that many toys way too many things guys we're getting how many gloves do we need a lot what why you don't need kitchen aprons I think that you're back past...

1:12:05You don't need kitchen aprons. No, I agree. I think you're back past when I lost my job. Even still, this is insane. You guys didn't have a fully funded emergency fund. We do. We did at the time. Not fully funded. 12? 12 was enough? I don't think so. If you're not able to survive right now for$4 ,000, then 12 was not enough for a fully funded emergency fund. That math's not mathin'. Your rental loan's$1 ,800. Which is crazy, by the way. Yeah. He wasn't working that entire time, and you're allowed to have a$1 ,800... Well, I paid all of that myself fine. Also, why do you say it's a three-hour routine to make it sound worse when you told pre-production earlier that it was an hour routine?

1:12:39Well, I do it multiple times a day. So three times a day? Are you going to do it in the post show? Please don't. No. Okay, give me that affirm, which is where all the Amazons, which was honestly mostly bullshit. If I'm being honest, there was a couple things. The medical thing was good. Cat food, I understand. Endless amount of gloves and cat toys and aprons and bullshit and bullshit and bullshit. The gloves are for my skin. $1 ,289. I know. You have like 1 ,000 pairs. This is bad. $1 ,289.95. Okay. And I'm trying to figure out the minimum. Ew. Stop it. Do you want me to wipe it off? Why didn't you do it now?

1:13:15Because I forgot. We're just. I'm trying to figure out. You can tell I don't use these apps. Shit, man. The only times I do is on the show. I'm afraid if you touch it, it'll get nastier. Okay, I'm trying to get to like your purchases or something. Okay. Wait, wait, wait, wait. It's at the bottom on the homepage. It would be under like manage. Manage? Yeah. That makes sense. Okay, and your minimums. Okay, okay, okay, okay. $231.13. Okay, good. Oh, we have an Amazon card on top of it. Great. Why do you have all the credit cards and he has nothing? He doesn't have credit. His credit was a four according to Lindsay.

1:14:04I found that out before the show. What is wrong with you in life? You suck. Yeah. You suck. Go live in a cave. He'd probably love that. Yeah, he has the brain of someone who lives in it. Honestly, I would prefer to live in the woods. You couldn't have your apex there though, buddy. That's fine. I could have real life apex. Oh, is it then? Go work a second job. Why would I work a second job if I'm living in a cave? For more money because you're on unemployment and you're maybe in the future wife can't work. That's why I'm trying to own a business. Oh, fuck, buddy. Owning a business means money and shit, dude.

1:14:37Oh, he's... I got a long way to go. That just meant he is so fucked if he thinks that's his way out. Businesses take forever to actually be able to bring home a decent profit. Forever. I'm saying my boss says he's been at it for a year and a half and he's bringing home like 200 grand at the end of the year. That's why it sounds like an MLM, because everyone has all these sales techniques to try to get you to do it. Then the commission thing is kind of weird. And it's weird that it was$1 ,300 when you first started, and now it's like, well,$500 on bad weeks. It's like, well, that doesn't help me manage the budget.

1:15:11Yeah. Okay, so$1 ,474.84. Minimum monthly payment,$80.31. $33 of interest. Fees being added, why? Why? Purchasing on a car that we can't pay off that takes seven years to pay off. We had to put the car on it. Huh? Your vehicle from Vroom Drive Drive? Not the whole purchase. No, it was Prime Video, Prime Video. Oh. We're at the movies and getting Prime Video when we can't put food on the table according to you. Huh? Huh? Someone please inform me. Inform me. I must be. Because I'm confused. This better be entertained and broke than just broke. but you wouldn't be as broke if you weren't spending as much money on entertainment.

1:15:54Also, you already have Apex. So it's free. That's fair. We also have all of our family's subscriptions to every other platform. Buddy, stop. You guys suck. And being told you're resentful about his job situation. Why? And that you want to go back to school or fund one of your businesses, which again, I don't think you can handle either of those. I do that on the side of a full-time job. that that's not like what's your resent though when we were on our like interview thing he had said that we didn't know that it was rented he hadn't asked his boss he was saying that there was a down payment and like we would pay for a ban and I was like out of all the things like I've designed my own card game like I've we've done a lot that I would love to invest in that we've talked about investing in and we're not and then it's like I love that you finally found something but I mean And it's not like you've been attempting to have a business this whole time.

1:16:52And it's, I want to support you, but I also want you to support other things too. Not now when we don't have money, but like, you know, for the last three years, you've watched me try to start businesses. And basically like that was just not an option of something you participated in, you know, or like wanted a part in or invested in with me or anything. So I am a little, I want to support you no matter what. I want you to be successful because I need you to be successful so we can have a future. But also, yeah, it kind of sucks that I'm going to full support you in this. And of course I'm going to.

1:17:27And it doesn't go the other way. What if the resentment builds and builds and builds and blows up though? Because that's a new resentment. He's only just found this thing. Then we end up on financial audit. No, because that hasn't happened yet. This resentment's barely started. If you want to start a thousand businesses, you have your card thing that you talked about. You had a plant selling thing, a stained glass company. No, no, it wasn't. You're doing everything that everyone already does. Why can't you do something new in the marketplace that hasn't been done? It's a new card game every 30 seconds.

1:17:59It's like a journaling. It's supposed to be to help with therapy. I actually designed it to get him to help, like, to talk, for us to be able to talk. No, he hasn't played it. We haven't played it at all since it was produced, actually. Oh, baby's not good business then. A child, you're in debt child support. Yeah. What the f***? Yeah, there was a good solid four years that I was f***ing off and not doing shit. But I have started paying it down and back. Oh, what's the monthly requirement for this? I think the monthly requirement. That's what we agree with with his mom. No, no, no. From the court.

1:18:40The one on his credit from the court. I think it's like a hundred and something Brother But I typically have been paying two Well let's just do the minimum That doesn't make sense to do more He owes and back child support 12 ,891 You're a degenerate piece of shit Yes What the fuck is wrong with you? What's wrong with him? There was a brief period of time You keep alluding to it I'm not going to ask questions So say as much as you'd like to about it I was just doing a lot of bad things with a lot of bad people. Okay. It's as deep as you'll go? Okay. Well, you still spend$250 a month at the convenience store on cigarettes and energy drinks.

1:19:21Yeah. Yeah, maybe that should go to your back child support. Your failure. Yeah. I have paid off a lot of it to my mother. Great. Well, I hear about this one on your credit. I talked to your mom yesterday, and she said that that's already been deducted from this total. minus the like thousand that like we've paid from the budget that I made. Yeah, the lump sum payment that you've been telling me about that apparently is already out of that amount. Wait, what do we owe our parents 8 ,595? Is that that? No. That's part of the car. It's additional? The car? What car? So I had a car when I entered the relationship that was paid off.

1:20:07He got T-boned by a driver who ran a red light in the car. It was an insurance total. Why are you with this f***ing guy, dude? No, it wasn't his fault. They were drunk or sleeping or whatever. Still, everything else is, though, which is insane. But we tried to get it as close to the insurance payout as possible. We were about two grand off, so my parents let us loan it from them versus a bank with interest and stuff to help us out. Good, yeah. So do you have a minimum for this$8 ,595? No. They said they would love progress on it, and they know we're here and like the goal is to come up with a plan that we can present to them.

1:20:42A plan to present. We've paid off. You spent a thousand on bullshit last month. Like it doesn't work. Then that's why we're here. It's just, yeah. So two grand of it is bills. There's a line item somewhere. Bills. Good shit. Well, you spend a thousand hours a month on bullshit. The car bill is the two grand. This is so stupid. It's so pointless. You didn't need to be in the situation. At least not as bad as you are now. And you should work two jobs. And yes, you should go back to fast food. If you need to get another job, be pathetic, warm. Tax guy. $350? I got a three. You didn't bring him up front?

1:21:19You owe him in the back? No, yeah. It's back. You have minimum with him? Or is this lump sum? It's just$350. Dude, why didn't you pay him? It was for three grand. It's due now. You hired his services. Why didn't you pay him? Yeah, it's due now. Why do you need a tax guide, W2? Because I have a lot of things that are written off from the contracting and stuff. What contracting? So like any marketing clients I pick up or anything like that. How much money did you make from that? Last year, probably maybe 10 grand. It wasn't bad. Okay, well, more of that. Yeah, I'm working on that. I have all my own.

1:22:01And then you have a payday loan, Mason. Yes. from like eight years ago. Is it in our collections? I have no idea. It's from eight years ago. Would it be? What, you just said it? We didn't see it? No, yeah, I have. He said it in the phone call yesterday. I have never heard about it before. But we've never seen it. Yeah. It didn't show up in his credit either. Your credit score is actually four. Yeah. I didn't know that was possible. I didn't either, honestly. What? But that's insane. You suck at everything involving life. Yes, I can agree to that. But not everything. I still think I'm a pretty decent ace-a-f*** player.

1:22:46Take that off again? No. What? Take it off again? What? No. Oh. Shit. Okay. Yeah. Literally everything except Apex. I'm not sure you're as good of a - I was just saying, Dad's thinking about it, but it's time to finish your thinking and do it. So much worse. It is not. We have done it before. It is worse. It is not. It feels worse. It is not. You guys are just used to that. That could be true. It is not. It is actually four. That is an actual screenshot. His credit score is four. That's crazy. I've never seen that before. That is crazy. That is crazy. How did you fix that? I didn't even know I had that.

1:23:30Yeah, I'm going to make you call the parents in the post show, and I want to hear their perspective here. This is f***ing insane. Then here's the checking account. It's all bullshit spending. Who's Wells Fargo? Who's Wells Fargo? What the f*** is wrong with you? If you're the one crying to me... All of our money comes out of my account. So, I can f***. If you're the one crying that you can't get foot on the table, crying that you're blowing through the 12 because of life's necessities, f*** you! Half-price books? Go f*** yourself. No, I sold those. Don't give a f***. You spent the money regardless.

1:23:59You're the one that chose to like the card. Shut the f*** up for a second. Netflix, Amazon, DoorDash and Subway. It was all groceries, she said earlier. I said we'd see$50 to DoorDash Subway. Uh-huh. Home Depot,$27. Michael Storrs, you have to do that$25? F*** you. Home Depot, Home Depot, DoorDash. There was actually groceries,$50. Paying extra for it, by the way, to do that. UltraHuman, Home Depot, going there all the time. DoorDash, double. double, double place, 150 bucks, looks like a restaurant, Apple Cash 10, pink cherry nails. We're going and getting our nails did when we're training our emergency fund.

1:24:44That's actually a necessity. No. No, yes, it is actually a necessity. Hey, go kill yourself in Minecraft. That, you're, that's not, she can do a little. No, I can't. It'll turn my nails green. We did that. Okay. You don't need nails then. You're unemployed. Shut the fuck up. No. This is not an emergency for survival. You know what emergencies are? Survival. It is a necessity. It's not what you're really thinking. When she doesn't have nails on, she will gouge her skin open because of her skin being as fragile as it is. Then stop edging! I can't! Yes, you can. No. No. I can't. Oh my gosh. Dude, people with OCD get their behaviors under control with coping mechanisms.

1:25:25You are not the only person in the world that has that struggle. That's what the nails are. It's a coping mechanism so it doesn't tear her skin up. Could it be cheaper? Absolutely. Yes. Wear gloves all day. I don't know. You're not the only person that deals with the bad habits. It's not just, it's the skin. I know. Isn't it bad to scratch it regardless? Yes. So stop. I'm trying. It's hard. You need acrylic, but you don't need the fancy designs. That is true. So stop with the stupid spending. You're in emergency mode. Amazon, Amazon, DoorDash, DoorDash, and Chick-fil-A. Oh, it was all for groceries.

1:26:06F*** you. Amazon, Amazon, Amazon, Ring Multiplan. Maybe. We had a bunch of break-ins in our complex, though. Well, great. You're spending$1 ,800 for that? Move. Yeah. DoorDash, Randles again, but you're paying a premium for it. DoorDash, Chick-fil-A. Amazon, Prime Video, TikTok Shop. Oh, and there's more nails getting dead. Pizza Hut, TikTok shop, Prime Video, Uber in. That was to the vet for an emergency. It's all bullshit! Except for that. It's all bullshit. You, are you Chase? We're both Chase. Yeah, we're both. $86 in here. That's probably mine then. We're getting like, I don't know what this change thing is.

1:26:49It's highlighted though. It's our savings. So he didn't actually know. The only way that I. We're at Brightcom. Oh, wait, bringit.com. Bridget. That was like a short-term loan, but we don't use that anymore. Oh, I hope not because that just happened. And we're overdrafting multiple times this year so far. No shock. I don't know why we would have money going into savings if we're overdrafting. Stupid. And is this the savings? No, but this checking account ended with negative$4.74. but we went to Jessica Hollis Park and we went to McDonald's and Academy Outdoor Sports, $100 when we're literally negative in the checking account.

1:27:30Ordering Inc. Ordering. Ordering? Ordering. No, cancel the membership. I have to have one. No, I don't have to have one. It was recommended by my doctor and we tracked my flares through it. He wanted one. And so he got it. Cancel that one, you dumbass. It's not even active. He just wears it. Good. Then what's the point? Etsy. That's not necessary. Bullshit, bullshit. Chick-fil-A. That's not necessary. That's not Docker recommended. Stopping inside, getting a bullshit. Apple. Shell. Yeah, you're stopped and got some bullshit. Etsy. Audible. Open AI. Chat GPT. Parchment University Docs. It might be, but no one's in school.

1:28:08That was for me looking into going back to school. Just looking into it? I needed my... Oh my gosh. Goodwill. Stopping in, getting some bullshit. Your energy drink bullshit. Stop. Gamer Subs. GamerSubs, 40 cents a serving with my discount code. That one's free. Get your free samples. Figure out what flavor you like with code Caleb. Then get that GamerSubs for free. Well, for 40 cents a serving. Instead of stopping in and getting a bullshit like he did for$3.89. $3.89 at Starbucks. Bullshit. Bullshit. Bullshit. Apple Cash. Bullshit. Piece of shit. $14 in this. What's savings at? I don't see savings.

1:28:48What's retirement? More savings. I don't see shit. We don't have savings left over, like, after we've lost our jobs, like, in our actual accounts. But this is— What do you have? Just tell me a number. I'm looking at it. I'll get you both course career certifications, so you can definitely get on a better career pass. I don't know what his is at because I just set it up on his phone, and I haven't looked at it, but mine's at 330. In retirement? I have one 401k that was active for three months, and I haven't gotten it from— You guys are so— Yeah.

1:29:23$544.69 is your minimum. There's no car payment, correct? No. Okay, your rent's$1 ,800? Mm-hmm. All utilities plus internet? Combined, how much?

1:29:36Maybe$380. Gas, vroom, vroom, drive, drive. Well, with his new job, probably about$200. For both? We only have one car. Car insurance, how much? $130. Car bill? Phone bill? We don't pay our... No, that's on our parents. Six... Should be able to do actually 500 groceries. You got to cut it tight. Co-pays, monthly basis, anything? 120 for him. You? 60 for me. And the rest, my parents are helping me cover for the flares. Subscriptions. Try 20. You got to cut it to basically one. You have pets? Yeah, you have cats. How much? How many? We have three. Three? No, it gets worse. We have four snakes, three cats, and a fish tank.

1:30:20Okay,$150 for the cats for pet insurance because you can't afford an emergency. We have$90 pet insurance for all three of them. Is it good enough? Yes. It covers all three of them. $90, how much for cat food or pet food across the board? $74 every two months. And all across the board, then it would be$50 for the snakes each month. Is it on top of that? On top of the$74 every two? Yes. Okay, I'll just call it$74. Call it like 85. Okay. Okay. No, let's call it 90.

1:30:53So anything else that needs to be in this budget that I have not done?

1:31:03Like gym? No, we have a gym thrower complex. I'm pulling up my budget. Hold on. Okay. We have. Okay, well right now obviously you make$2 ,500 a month which is nothing. Oh, his health insurance and my health insurance, not the copays. His health insurance is$95 a month. Mine is$130. My dental is$12. His got canceled. Okay, so I think your budget is likely going to be around$4 ,200 a month then. That's right, yeah. With insurance, unemployment. I mean, you technically don't only break even, stop shaking your leg. You have an extra couple hundred bucks, 300, but that's done in two weeks. So food stamps will help cover the food bill, but that's not going to be enough to actually, your rent's way too expensive.

1:31:59Just hopefully if you're actually disabled, which again, I'm just not even going to comment on. If you are, hopefully they approve you because that's what it's for and you make enough to make break even. But you guys just need to focus on breaking even, and then you can go through bankruptcy or something. I don't know, because right now, once the unemployment's done, and if you don't get on disability, you guys will just be negative completely, and it's not really a thing. So the reality is, you need to go get a second job. You're working on 80 hours a week minimum, because bills have to be paid, and you're doing DoorDash as much as you can.

1:32:34And that's it. And you might just want to declare bankruptcy. You need to stop spending on the credit cards, but if you guys don't double your income, which is pretty much the only path, which means you double working or getting better at sales or you doing something you can do, but I'm just not going to comment on it because it makes it impossible. There's just nothing.

1:32:57So meal prepping, meal planning. Yeah, we're on a tight budget as quick as possible, but you need to go work two jobs. You need to work as much as you can in between flares. Are you? I don't know. But I can't comment on it. That's just it. That's just it. Sorry, and bankruptcy might be a good thing, but only if you change your behavior for a few months and prove it, or else you'll end up back in the situation in a few months. It won't knock off my parents either, huh? Nope, but that one doesn't have a minimum fee payment. Your minimum fee payments are why you can't survive right now. Okay. All right.

1:33:32Listen, we're going to call the parents to get their perspective in the post show, but let's get the same connection first. We'll get you all the resources, again, to try to help with all this, but listen, right now, you just need to go work. That's it. You got nothing. For you, just, well, I can't even comment, so I'm not informed enough. Spending in a budget. You overspend. Zero out of ten. Debt. Family debt. Collections and shit. Okay, zero out of ten. Emergency fund. Nothing anymore. Zero out of ten. Retirement. Definitely nothing. Zero out of ten. Real estate. Nothing zero out of ten. Hammer financial score.

1:34:03Zero out of ten, as you predicted. Get yours at CalebHermon.com. Now click that join button. Join the best membership on YouTube. Three premium shows. posted every single day, six days a week, called Hammer Elite, where you get to watch an extra 20 minutes of this episode where we're going to call the parents, get their perspective, called The Financial Auto Post Show. See you there. Call the parents. Going through? They don't know what? Any of this. They're struggling, right? They're struggling. You have to help, right? No. So - I heard mom say no in the background. Have you ever f***ed up in your life?

1:34:30With my choice in men. That's crazy. That's actually a crazy f***ing answer. Are you really at your breaking point where you might leave this relationship? I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30 % off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. But I'll only have a thousand available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pinned comment down below.

1:35:08This is the best membership you'll ever join, and that's a promise.