The Biggest Losers In Financial Audit History

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27:21What boundary are you talking about? Well, she likes to control everything, whether it's financially or... Well, you're a failure so far. But I was before I met her. I've never been in debt. When I met her, she was the one in debt. I had zero in debt. I will say that's true. Yeah, I've never had debt. Well, then why are you the one to manage the household finances? Are you managing the household finances? He suggests so. Yes, I am the one managing the household finances. Okay, that makes no sense. If you were the one in debt, he's the one that's never been in debt. Why the f*** are you managing it?

27:51What track record do you have? Well, I do have a control issue, and that's because I did trust people in my past, and it ruined me financially. This is your guy now. F*** your past. I don't care about your past. Go to therapy. I've had to. I don't give a s***. To file bankruptcy because of other people in my past. Wait, wait, I cry, cry. Why are you putting the burden on him? The burden of your past. That's not fair. Why tank this relationship? Because your other relationship sucked. Well, it's not that I control the whole relationship. It's I control the finances. How are the finances managed right now?

28:26I'm the one that handles everything. Okay. How does he spend money at all? He has an allowance. Oh, my. You pathetic bitch. do you not stand up for yourself? Oh, I do. That's why I mean. Well, clearly hasn't done shit. You have an allowance. An allowance at 38. That's what she thinks. That's what she thinks? She gives an allowance. Tell me. No, you know, I do my side work, and I mean, I get my own stashes here and there. I'm not going to give them all. I put towards the bills, and once I put towards the bills, yeah, I put cash aside here and there that I know, hey, if I want to do something, I'd go do something.

29:06So it's not an allowance? The allowance that I'm talking about is my paycheck covers all the household bills, and I also put some away in savings. When he has his jobs, he can keep a certain percent of it, and it depends on how much he makes is how much he gets to keep. So he can use that as his what we call walking money. That way he can buy his drinks at the gas station, his nicotine, stuff like that. because what was it last year or the year before? I took a look at how much he was spending at the gas station on nicotine and drinks and I'm like, I'm not supporting this habit anymore. We could be doing so much more with this money.

29:45I'm not putting my hard-earned money towards your habits any longer. So if you want this stuff, you have to pay for it, which means you need to work and make it happen. Okay, it's not insanely unfair, especially if we're putting like the kids, should be our top priority, right? and you don't really contribute to the house? No, I contribute. How do you contribute? I mean, I give like 75 % of anything I bring in. I do give to her. We have better months sometimes. I mean, we can go back to what was it? 2022. I mean, it was me that if it wasn't for me, I brought in more than she would have in that year.

30:24I mean, I paid for everything in the household while she was off trying to run her dream. I fully supported that. I buckled down. I paid every single bill and yeah, it was fine. I stepped up when I needed to. I went outside of the agreement and did what I needed to 100%. I mean, there's no way you can deny that. No, I can't deny that. But then I went back into the workforce and that stopped. Well, no, you went back into the workforce and I went back to doing the films. And then I actually had that extremely successful film, which unfortunately got shut down. That was right around the COVID time.

30:59they were trying to charge me$40 ,000 for COVID officers, whatever that meant. And that was, that was our entire budget. So, you know, it's a little bit out of, I mean, you were, you were a part of that project. So you saw what happened with that. And again, that goes back to, you can make things happen. And I have, and I want to continue to. But you, you no longer are. Push your limits, train with precision, see the results. At Equinox, that's high performance loving. Iconic spaces that inspire. Personal training backed by real data. Unlimited group fitness classes from yoga and Pilates to strength and conditioning.

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31:52I know. Listen, I hear you guys. But the thing is, in the end, you have to just step up and be a father because you're a father regardless of how you call yourself and call them. You gotta. That's it. Have you ever looped her into a business? Have you ever brought her with you on a journey on one of your endless journeys? Because you're certainly pulling down the household, right? In terms of, despite what you say, you don't contribute. Has he ever looped you into anything? No. The only project business that I've been a part of was one of his film projects. I assisted with the food and schedule on that.

32:33And then on top of that, the only thing I've done outside of that is we did own a business together. Isn't that what I just asked? Well, yeah, it wasn't his idea. Did you own a business? I owned a business. And then he came into that? Yeah. This came into it, someone who f***ed up every business he's ever had? Oh, great. Well, that's probably why you didn't tell me that's your f***ing job today. It's because he got involved. What was your business? It started out as a restaurant, and then we eventually, that came, that transformed it to a coffee shop. You had a whole f***ing restaurant and coffee shop?

33:11Yes. What happened? So a friend of mine approached me in 2019 about buying her restaurant. Oh, that's a great time to buy a restaurant. Well, we thought so. We thought so. You wouldn't have known. And then, you know, a couple months later, March of 2020. How much did you buy the restaurant for? It was$60 ,000 or$65 ,000 that we bought it for. What the f***? Okay. It was in a small town. Most of them, that's like nothing. Yeah. For a restaurant. It was only doing$37 ,000 to$4 ,100 a week, but it was enough to sustain us. Not in profits, right? Not profits, but salary. I could have kept up with my salary.

33:51Okay. You don't owe on it still? No. Okay. Then I don't really care. So he didn't f*** it up. No, it was quite the opposite. I mean, we could have continued with it. Maybe. I had to go back into the workforce February 2022 because our finances were not great between the business and our personal household so i went back on him that time she's missing a step here i can't say that was entirely what step no okay so yeah things were failing it was during covid it was all getting up okay i i feel bad i'm like this is her dream look i just i was actually doing pretty successful at the time because i had to maintain all the household builds i was i was out there i was hustling every day voiceovers music drumming everything the next thing i know is I'm like a fry cook or making grilled cheese and taking orders at this restaurant and this, you know, suburb of St.

34:50Louis. No, and it turned in from one day a week to two days a week to, oh, you basically managed this whole restaurant. I don't know anything about a restaurant. I don't know anything. I can't stand it. Didn't you just brag that you were the business guy? You could have done anything? Behind the scenes. Like when it comes to, you know. Not doing work? Okay. Making things happen. No, when it comes to, you know, getting together. What the fuck does that mean? Contracts, getting the ideas together. Oh, the ideas. I'm an idea man. I thrive on enthusiasm. Don't take the wind out of my sails. Yeah, I get them together.

35:19You know, I've consulted with people. It's like, look, I can help other people do stuff. Maybe I haven't done things. No, you can't do shit yourself. What do you mean? What are you talking about? You can't execute shit. Well, I did at her restaurant. I mean, you know, I'm working there seven days a week. Clearly not. It failed. Well, not because of me. I mean, I was just a cook there. I had no idea. She didn't want me messing around with the invoices, the employees, any of that stuff. Why would you say it failed? Probably because we didn't get out of the first contract. Why would you say it failed?

35:47Multiple reasons. Summarize. The time that we bought it was not great because of COVID. And towards the end there, yes, he was working there full time. I was not. And that's not his dream. That's not what he wanted to do. So he would close early on days or not open at all on days when we would say that we were open. so that affected our customer base as well. Well, that wasn't the first one, though. That was like when we were burnt out two years later. No, that was the coffee shop. Yeah, I mean, I'm still talking about the first one that I was roped into to be whatever I was doing there. Yeah, but at the end of all of it.

36:24Going back to where this started, the allowance thing, why do you feel that's the best way to treat your husband? Because I don't feel like he is very responsible with money. Because when he does have money. You're the one in debt. Yes, but I keep my debt under control and I don't buy unnecessary things. How do you keep your debt under control? What do you mean? No, you don't. I pay on it. Okay, a minimum payment when you still put money on it does not keep it under control. What are you talking about? Dude was never in debt his entire life. Or lottery tickets and necessary things. Okay. Is buying stuff at T-Rex necessary?

37:06I would rather at least get something that's not - Is nicotine and drinks at the gas station necessary? No, of course not. But what's T-Rex? It's like a big bin store. You can - Okay. They buy stuff from Amazon returns. At least he's buying stuff and not lottery tickets. That's what I say. Buying stuff that sits in my garage because he's gonna sell it. You shouldn't do either. Let's be clear. But a lot of - We're gambling? What the f*** are we doing? You have children. What are the ages of the kids? I didn't even get that. 12 and 14. Okay. See, then are you guys going to have any more? No. We had thought about it at one point, but we decided.

37:41Well, they just said no. I mean, you've basically, except you had an agreement of taking on another child. Yes. When you got married. We did. And we both decided that it wasn't for us. You give him an allowance like a child. Because I don't feel like he spends money responsibility. Yes, but that makes sense why you guys didn't have another one. Sits in our garage and does nothing. Okay. So why didn't you guys have another kid? That was actually my main reason was I said, let's get financially set before we do that. But her whole thing was, well, I don't want to have a kid after 30. Or was it like 32 maybe at the time?

38:15At the time, or at first it was 30. And I'm like, okay, let's get 32. Your exact words were, you shouldn't wait to get financially responsible for having a kid. That's not how it works. Because you'll never be financially ready to have a kid. I will stand 10 toes down. You will never be financially ready to have a kid. Kids are expensive. House, two cars, all that. If we had all that and paid off, yeah, you could have a kid. We had a house. We had a car. Yeah, had. What happened? The coffee shop. That's what happened. That took it all? We took, in order to open the coffee shop, we took out a loan on the equity of my house.

38:51Oh. And we sold the house to pay back that loan. Okay. Yeah. So, I mean, you still lost something even if you don't own it today. Yeah, I mean, it's worse than the loss. But then we end up paying$2 ,000 a month in rent when the house payment was$600. Clear resentment from him on not being able to live his dream and having to take care of the kids and all that good stuff. Do you feel like she has resentment over you with this coffee shop debacle and losing the house and the car and everything like that? We didn't lose the car. Just the house. Much bigger. If she did have resentment, I would be pretty offended by that because, I mean, I did do everything.

39:28So you're saying no, she doesn't? I don't think she does. Do you? I don't have a resentment over that. People make stupid decisions. We made that stupid decision. We were lucky enough that we don't have to. On that one, yes. Okay. Now, where do we stand today? Because, again, his agreement with you is coming to an end. Now we've got six months. So what now? More like four months. So what now? He has four months to figure it out. And then what? He has to go work at a job that he hates. What are you going to do? What am I going to do? Like he agreed to that, but what if he doesn't? Then what? Then that's going to be a different conversation.

40:08What does that conversation lead to? A conversation that we have not had. This is a realistic thing to consider because guess what? This is his passion. This is what he's been doing since forever. In four months, there's a reasonable assumption that he might not go and get the job. What's that conversation? Conversation could have ultimatums in them. Go on. This is an actual thing to think about because this is literally right around the corner. And it is reasonable. And if he chooses not to get a job, we're going to have to have a real discussion about our future. Oh my goodness. Yeah. Go on?

40:41Yeah. A real conversation. Hey, let's have the discussion. Because I do eventually want to retire. I don't want to live the rest of my life. Uh-huh. So if he's not going to help me financially reach those goals, then we're going to have to Oh, have a conversation? Yeah, let's have a conversation. Give some ultimatums. Let them know what's coming around the corner, woman. If you don't have something going on in four months you're going to have to get a job. What, like McDonald's? I mean, what? I'm not going to go get a job at McDonald's. If he doesn't get a job, then what? It doesn't matter what job that you get but if it doesn't happen then things will have to change in ways that you're not going to like.

41:23Well done, buddy. You're going to leave me? No, actually, she literally just answered the question. She's never going to do anything. You can do whatever you want. She'll roll over. She doesn't give a shit. No, I care. And I won't roll over because I have goals. This is four minutes of me trying to get you to literally say what might happen in four months. Reasonably might happen. If I didn't think there was a chance he wouldn't get a job, then we wouldn't even talk about it. But there's a good chance he is not going to get a job. this is a reasonable thing to think about right now tell me tell him if a job doesn't happen then yes i would have to move on so because i have goals in life that i want to reach and if you're not willing to help me meet those goals then we're we'll never be on the same page about anything.

42:18Well, you have to look to, uh, I've always, I've always made it work in my life. I've, I've never had the, the nine to five, I know. And I wanted to, you know, that's not a lazy thing. I've never just sat on the couch and be like, I'm not getting a job. I'm going to play video games. I've never been that guy. And you know, I've never been like, I don't, when have you seen me sit around and play video games, except for maybe once or when a new thing comes out for what two days or something out of six years the thing is i've always sustained myself i mean i've i've made large amounts of money you know before i met you and i know i'm not making it now yourself you haven't sustained a family for more than a couple of months right and that was the agreement figure out how to help me sustain us for years so we can eventually retire and do what we want to do.

43:09Right now, you're not even doing what we need to do. You're doing what you want to do. Not what we want to do, what you want to do. I've always done what I wanted to do. I know, and that's the problem. You've always done what you want to do. Who cares about the consequences or how it makes anybody else feel? That's where that trap comes in because always doing what I want to do. I want to do things my way sometimes. And I really feel like, though, if I do things my way, that I always have done them since I've been literally 14, 15 years old, that doesn't work for you either. Cause you know, oh, well you'll be gone here, this or that or the other.

43:47I just, I feel like that I'm still trapped to where I, you say that I can do whatever I want, but at the end of the day, I can't though. Well, you do what you want to do already. You just won't put that attitude towards doing what you need to do to make things happen. so we can work together on a financial level. I mean, I made it happen before. You have made it happen. So why haven't you made it happen in years now? What's his track record with jobs when he gets jobs? Not great. Not great. The few normal jobs that you've had. That was one, and it put me in the hospital. And I made number one at the company in two months.

44:29What was it? And two months quit. Okay, well, go get another job. That's not timeshares. That's all that. He was in sales. Yes, I've always told him. Put him in the hospital? He could do great at sales. And in the town that we are in St. Louis, timeshares. Yeah, he's able to convince himself that he's an entrepreneur. You can convince anyone into anything. Exactly. He can convince anybody into anything. He can make money when he wants to make money. So I've always told him he'd be a great salesman, go into sales. He chose timeshare sales. I've been involved in timeshare. I told him he would absolutely hate it Because it's very deceptive Guess what?

45:04I was right He lasted all of two months And then he was over it And yes, he ended up in the hospital With a medical condition from the stress of it all Okay, dude, go put fries in the back Do that, just contribute In four months, what are you going to do? It comes down to it Are you seriously just not willing to just go get a f*** down? We're in an office I make more though. Make cold calls. Like, you don't have to sell time chairs. There's other opportunities. There is, but I mean, looking at, you know, okay, the fries in the bag thing. I mean, I do make more with my contracts than that. Make$600 average a month, she said.

45:43Well, that's just off of the security. I mean, I play drums for different places as well. Okay, what is he bringing in total average on a monthly basis? Manager of the house. On the high end, I'd say$800 to$900 a month. Okay, that's pathetic. 12 to 15 is pathetic too. Put the fries in the bag. She told me, in our whole deal, she told me that all I need to do, she set the bar, she said, all I need from you, like 500, if you only bring in 500 a month, we'll be perfect. That's her work. For that down payment on the house, not for bills. No, you've said that for years. That if you only, all you have to do is work on your jobs, do whatever you want, if it takes you 10 years to build up your major film, if you can just bring home 500 a month, we'll be fine.

46:23You agreed to that. That's her work. 10 years. That was, no. That was not the agreement. That was not the, the contract started out at five years. I gave you a three. Did you sign something? No, we call it the contract. Okay, go on. But no, it was a verbal agreement. And it started off with five years. I extended it three years because yes, you let for two and a half years, you let me do my dream. What is this minimum$500 a month? If he brings in$500 a month, he can do anything. No, we can put it into savings. They can do it? Not contribute towards bills or anything. What was the disagreement here?

46:51The disagreement comes from he doesn't actually do it on a consistent basis. Yeah, it may be$500 one month or$1 ,000 another, but then there's been plenty of months where it's just enough for him to have his allowance or his walk-in money. What's his allowance? It depends on how much he makes. Like, if he goes makes$100 that night on a security job, he'll give me$50 to$75 of it. Yeah, look, at the end of the day, I'm not going into fast food. I don't mean it like that. We need our fast food workers. But, you know, I've worked hard and not go into debt to pay for a degree, which has done nothing for me.

47:28But at the end of the day, I mean, this security company, I've built it up. I'm trusted by the local, I mean, by our whole county. You know, I'm the one that they call in for search and rescue. I'm the one that they call in when they need a drone guy. So I'm not just a mall cop, you know. But you do that for free. Yeah, it's helping, but. Well, you know, I get to write it off. You haven't turned it into a paying gig, consistent paying gig. I did have a really good weekly contract. Yes, that their restaurant shut down, their whole club shut down. That was a major hit. I mean, things were more, it was, it was like 1200 to 1500 just on that one a month.

48:02And then with the extra ones, that's all I had. Oh, well then I, you know, I had the drumming job with the, with the church. I mean, that was, that's all you had with drumming. Now it's gone. Yeah. Now all that is gone. So Once you got one contract, it's like you just stopped looking for other ways to fill it in. I mean, it's just that at the end of the day with the way, do I need to buckle down? Yes, I will agree with that. I absolutely do. I've absolutely slacked off. There's not denying that. But I'm not going to go work a nine to five when I know I've. You refuse. I'm refusing only because what I've made in my life, I've never needed to do that.

48:41I mean, I've made I've I've made a lot and then I'm not doing it now. I understand that. I understand how that looks. Well, you're not making it now. And I want to get that back, though, more than anything. I want to I want to prove to her to everyone. Hey, I'm going to get that back. I don't know what's happened with me in that time. It's kind of my cross to bear right now, but I'm going to bring that back. And I mean, I what I tell you, I've said, hey, every time I've told you, don't worry about something. I mean, and you worried. Well, I was right and ended up being OK. right for things that you've wanted well no i mean for things you wanted to like hey we need to go we i need a vacation before i die we don't have the money you know what my wife and the kids they need a vacation i could give a shit if i go on a vacation but you know what let's make it happen hustle hustle hustle boom yes again with things you've wanted yeah has it i have i benefited from Yes, I have.

49:35The vacation to Colorado and stuff like that. But we both want a house. Right. Been saving for a down payment for a year now. I'm content where we're at now. It has a yard. You're content. I'm not content. It's a great place. It's a great place. Guys, okay. F*** me. Here's something I hate seeing people do. Buying crappy clothes that they have to replace all the time. Let's say you buy a$12 t-shirt. By wash number four, it's shrunk, piled, and the collar looks like a lasagna noodle. So you buy another one, then another, and by Christmas, you've spent 60 bucks on shirts you wouldn't wear on a midnight 7-Eleven run.

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52:42I have one in high school. There you go. And she has her career there and it's a good career. It is. Like what the f***, guys? What future is there possibly? That's what concerns me. Where do you feel like you guys deviated? When in your relationship did it just split? Because clearly you guys are not aligned. We shouldn't really get married with someone we're not aligned with. So it must have come post-marriage, I want to assume. You guys aren't answering some questions, kind of, but like. The coffee shop. Yeah. So that was the start of the mess. Yeah. And that was three and a half years in. Did the allowance start after the coffee shop?

53:24Yes. See, and if it wasn't his fault, why hold him to an allowance like a child? Because he started spending outrageous amounts. Only after the coffee shop? Yes, because he was giving himself his own allowance at the time before the coffee shop to spend on gas station runs and whatever else he wanted. I wasn't seeing that until he no longer had his own income. And you just went along with it. You didn't have a pushback. I, you know, I, at that point. If you're good with it, then be good with it. You know, I'm good with it. You said earlier you weren't, dude. To an extent, I was good with it. I'm not, I'm not anymore.

54:05I guess I'm, I'm not anymore. But again, I got to this point to where I just, I feel stuck. I don't know. I just don't know. You feel stuck? What the fuck do you mean? You got, you can't say I feel stuck with four months left of what you agreed on. and she gave you years of grace. So the reality is, here's the thing. Maybe you would be right to push back on the allowance if you actually contributed to the household. But the thing is, you're always chasing the next big idea. They all fail. No shit she resents you for that. No shit she doesn't trust you for that. Show some actual responsibility.

54:35Show that you're able to contribute. Show that you're on a path of responsibility of being an adult. Maybe she wouldn't have to treat you like a child. Guys, what do you think your financial score is 0 to 10? 0 being the worst, 10 being the best. Together. Together or separately. Household, guys, you guys are a married couple with kids. Come on. Four. What is wrong? Maybe you are. If you want to figure out where you are in the world of finances, take the Hammer Financial Score assessment at CalebHammer.com. It is free and it only takes a few minutes and you see in detail in each important category where you stay.

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55:38And so check that out, calebhammer.com. And if you don't want to be like a guest who ends up on the show, make sure you download the DollarWise budgeting app. take a free trial. So if you like it, most people do, and they end up taking the annual version because it saves nearly 50 % on your money. Plus you get the physical version of my detailed 30 day meal plan signed by me mailed directly to you and you get the digital version of the cookbook as well. So check that out.

56:08One read that I do kind of have here is that, especially as we're going into this and his first credit card is hers but the goals of the house and everything she says her goals but her goals are for the household for you guys as a couple for the kids for retirement for everything like that where your goals are me me me me me me i wouldn't say that you being successful in this this this this where her goals are for y 'all your goals are for you for me in a way that i i want to make what i'm doing successful yes but at the end of the day you want to be successful in what you want to do. You could be successful in a lot of things that contribute to the household, but you only want to put in the work of what you want to do.

56:50I'll agree to that part. Selfish. Be a man. Be a father. Be a partner. Contribute. Step up. Get a job. Get qualifications. Contribute. You'll do anything, right? To pay for the house. You went into hospitality. You own your business. Because I have kids that need to be taken care of. Exactly. I could see you going all the way to assistant manager at McDonald's if you worked hard enough. Higher than that? I don't know. Nah, that's, I mean, that's just, I... I'm f***ing with you, but you could get another job. It doesn't have to be an acting. He could do a lot. Well, I don't know. He's not very smart at business.

57:31He's literally never been successful once in his life. No, I... You made a student film. No, no, I... Clap, clap, clap. Yeah, it was a lot more than that. I mean, no one's ever had SAG-AFTRA in our area. I'm the one that helped with the Missouri tax incentives to come in. I mean, I was like the front runner on that. It's doing great for everyone else, apparently. It didn't do well for me. No, I got some returns on that from the losses on the film. Enough to actually contribute for the household on a sustainable basis? No. One-time thing. Sustainable, no. One-time thing here, and it wasn't even a big thing to be able to stretch out over months.

58:08Yeah. So I got a USAA card from you. What's going on? That card was open recently and... This is recent? Yeah. Okay, so Uno reverse card. Maybe he should be the one managing the finances. He can't run a business, but he wouldn't go. He wouldn't open a credit card. You make good money. Even if he doesn't contribute, you do okay for the household in the area. Why the f*** are you opening this recently, asshole? I need something to help build my credit. Okay, well, you certainly the f*** did because now you have a maxed out damn credit card. Like, what the f*** are we doing here? I mainly use it.

58:45Interest is accruing. That's not a, I'm just building my credit. That's not an, I'm just building my credit. You don't interest accrue on an, I'm just building my credit credit card. I mainly use that for groceries. Congratulations. You don't pay it all the way off and interest is accruing. So go f*** yourself. You put immediately on it. No, you put more on it than you put your payment while interest is accruing. I don't care if it's for groceries. I don't care if it's for getting dicked down. It's nothing. It doesn't matter. You're f***ing it up. So what does that have to do with anything? Congratulations.

59:16You used it for groceries. You want a stamp? You want an award? You want a sticker? You want a trophy? Can I have one? No, you're f***ing up the entire house. You say you have retirement goals. This pushes you further and further away from your retirement goals. Make this make sense. What's your logic here? When did you open this? You said recently. I believe it was May.

1:00:05Yeah, it was that recent. Definitely bullshit. Some kind of restaurant there. Probably bullshit. Maybe groceries. Wingstop, Wingstop. Is that groceries? Wingstop groceries? Was that groceries? That's interesting. Is that where you get your milk from? I didn't eat at Wingstop. No, that was when I had to take to the doctor. I used that card to get his lunch. That's what she wanted to eat. Because we had to go to the doctor. She can fuck off and eat the hospital food. She can get the jello. She can go home. You got Wingstop at home. It's called Tyson. Fuck you chicken strips. I always say that too.

1:00:36I'm always like, hey, why are you guys stopping and getting that? Just like they have shit there. So you push back on this. I do. How does that conversation go? I don't need to ask food. Why is he the one getting the allowance that makes no f*** up? How does that conversation go? Tell me. We're going to stop and get wing stopped. That's like 60 bucks for the two of you. Well, yeah, but it's just the easiest thing and our kid wants it. Okay, but we have food at home and there's food at the place you were just at. But she was hungry. Yeah, well, but she was hungry. I'm not going to let my kid go hungry.

1:01:04That's it. Do you want anything? No, I'll eat the food that's in the refrigerator. I mean, that's what I say. I'm just like, well, do what you're going to do. And I'm going to do what I'm going to do. Oh, do what you're going to do so you're passive about it. I am passive. So you're not going to hold her accountable. You're not going to do anything. So you don't care. No, I care, but then I look and it's like, we make it work. Do we? Look, you guys are here. It's not working. No, you don't. Objectively, no, you wouldn't be here. You can't say you make it work. Why the f*** are you spending money going out to eat constantly and getting bullshit every other day at a minimum putting money on a credit card that you cannot pay off that you spend more money on than you put towards it that is accruing interest and takes 18 years to pay off Why are you doing that when you said your big focus is retirement You have goals?

1:01:53Goals? What goals do you have? Goals? Are these going to your goals? Goals Yeah, I have goals. I want to buy a house I eventually want to retire Which you spend more on a credit card? But it's sometimes more convenient to go out to eat. Sure, there's convenience and then there's owning a house. Which one do you want? Both. Congratulations, that's not going to happen. So choose. You like convenience. You like it more than buying a house. You like it more than retirement. If that's what you choose. I don't know if I like it more. Well, you are actively choosing it in your day-to-day when you are able to make a choice.

1:02:25Yes, that's true. But when you're raising two kids and working 15 hours in a week, sometimes convenience is worth it. 50. Yeah. No, it's not worth it though when it puts off your goals. You know why you're working 50 hours a week? Because you have to pay for all your convenience. You're spending more money because you're tired, because you're working hard, but you have to work hard because you're spending all your money. It's an endless loop that you're never going to get out of. Look at the$2 ,000 that you put towards that. $2 ,000 that you spent on this credit card when you make$5 ,200. $5 ,200.

1:02:59What is that? A month? Like a week and a half? A week and a half? But my bills are paid. Kind of. You're putting all your money towards your credit cards of where you're spending this. So your minimum bills are paid on your checking account. Sure. But all you're spending is just going towards ballooning your credit cards. You're just pushing your money in a different area. You're still spending more than you make. So you can't say that. I pay my bills. When do you want to buy a house? You're not buying a house. When are you buying a house? I have money and savings for the house. When are you buying a house?

1:03:26I would like to have a house by March. Okay. No. I mean no way your credit card is going up up up up up up up savings is a thousand three hundred dollars you're not buying a house go yourself buying a house by March what are your thoughts on this the savings makes no sense to me because I mean we we had a lot more in there and I don't know where that went to because I was contributing to a lot of the savings to that I mean I was I'm so our rent's low it's great right now I am I mean I take care of that I give her the money that covers that. I thought we had like$6 ,000 in our savings and all of a sudden I'm looking at it too and I'm like, why is there, there's like$1 ,200.

1:04:08Oh, well, we had this and we had this and we had that and I wanted to pay this off. Yeah, you're not getting a house in March. I'm sure the median home price there is a little cheaper. What is it,$250? Yeah. Yeah, okay. See, beautiful, wonderful, very good. No, you haven't got$50 ,000 saved up. What are you talking about, a house by March? March, you know, he secretly told us behind your back that he's thinking of getting a loan from a like pay loan shark place that's the conversation we're in for the for the down payment i don't know for what he's just saying he's what are you going to a loan shark for have you that's all right no so one of the business i worked on there was a i i can't be specific on the guys but one of the guys he's he's from a place where things are a little different.

1:04:55We'll leave it at that. It was a bad business deal. Well, he ended up getting out of his bad business deal with a ton of money from this other guy. And he told me, Hey, you know, anything about this? No, I haven't told her anything. This is as specific as you can be. No, no, I'll get more specific. So you know who I'm talking about as an owner of a certain gym that rode in a motorcycle club. You definitely don't do not like this guy. He recommended me to No, I don't like him. Why don't you like him? He's a narcissist and he can't be trusted. Okay, go on. He owned a gym and it's been burned twice.

1:05:31Like he has ran it into the ground twice. One time it was actually set on fire, so we won't get into that. Okay, well, I didn't know anything about that. I don't want to know. No, he recommended me to one of his guys, a guy that knows a guy that knows a guy. And I mean, I actually considered it. I mean, I met up with this guy and he told me, he's like, I can give you 20, 25 ,000. For what? That's where I kind of backed out because look, I, I come from a life way back in the past where things are a little gray area too. What? You sold drugs? Fatality. Johnny Cage wins. I just, I was. What are you talking about?

1:06:09I was just in more, when I was younger, gambling, things that are gray area, you know, leave it at that. and this guy, he said, you know, 20 ,000, 25 ,000, basically whatever I needed, you know, up to a certain amount. And I asked what the payments were. And it was like 3 % after a couple months, but it was 3 % weekly on top of this principal payment. So they call it the VIG, you know? And I mean, by the time I was looking at it, you know, I would be paying back maybe like 28 ,000 on a 25 ,000 loan. That's way better than any bank's going to give. I mean, a bank's not going to give me anything.

1:06:43But then I did. But were you going to use this for our down payment? It was a plan. I had it in my mind. I'm like, I could come home and just drop this down, never tell her a thing about it. But a down payment, we don't have to pay back. Well, a loan shark, we do. Right, right. Well, a down payment, we'd have to pay the bank back like 40 times more. On the loan that we're using the down payment for. Right. That lowers the amount the loan is. It was a thought. It wasn't something that, you know, obviously I didn't go through with it. I talked to this guy because then I started thinking, I mean, I did ask him, I said, what happens if I don't pay you?

1:07:13And his exact words, he looked at me in the eye and he said, pay me. And that's all he said. And I was like, I don't know if I should considering it. Cause you know, that world, you know, the consequences. So why were you even considering it? Why didn't you tell me? I just, I've hit a weird, a weird moment. I don't know, man, And the past year has just been. Oh, shut the f*** up. No, seriously. It's been a total just. It's been different for me. Everything just kind of failed. Like you said. Everything. I'm not. I'm not used to failing. You're a failure. No, but I'm not used to that. You have nothing to show for anything.

1:07:45You were a failure your whole life. No, no. That's absolutely not true. Okay. Then where is anything? No. Now. Yeah. I have nothing now. That means nothing now. I have nothing now. If you were a success at one point, there'd be something to show for it. I mean, I own a property in another country that I have no access to. If that. How. What does that mean? I could buy a lot of land in South America for four pennies. What are you talking about? No, a condo. I have no access to it. It doesn't matter. Very good. You bought one of the timeshares you were selling. Proud of you. So, was it a timeshare?

1:08:15No. Oh, you didn't respond. I was very scared. What the f*** is your successful thing you've done? Well, I was a very successful musician at the age of nine even. So, everyone knows your name? At one point, I started growing. I mean, I did start. I was getting up there. So I'd know your music? If you looked at some stuff, I've done a lot of session work for some pretty big groups. Biggest? Well, I did play. I played with Vince Gill. I played with Tim McGraw on a couple things. We know Tim. August Burns Red. I worked on. I just did a few drum tracks with August Burns. But this is also stuff that Brent Davey would say he did.

1:08:55He'd say that everyone would know him. A historic guest and financial audit. Oh, okay. I mean, but no, I got paid well for the session work. I mean, I was in the Grand Ole Opry at like age nine. I worked hard. Anything past the age of. Yeah, I went on to cruise ships. I mean, I worked. Well, first of all, here we go. At least I can speak of this because I did music school. Cruise ships is where everyone goes who can't make it on the mainland. I would disagree with that heavily. I wouldn't because I was in that world. That is where people go to pay their bills because they can't make it on the mainland.

1:09:26I wasn't the Filipino bands, though, so I was the guest entertainer band. We did the big— No, buddy, I know people that make careers off of it. Like, I personally know it. I went to school with them. I get it. I know. You can make a living off of it. Yeah, and it was his career for four years, and he made great money at it. Yeah, you can make good money. And it's what people do who can't make a good career on the mainland. Well, it was when Nashville, some of the sessions started tanking, because I was in Nashville at the time, and they just— they weren't paying as well as they did, so I ended up going on a ship doing this— Bullshit.

1:09:54McDonald's going in and getting some bullshit. Probably groceries. Probably bullshit. Probably groceries. Definitely TJ Maxx. Freddy's and Ross Store. That was still shopping for the kids. TJ Maxx. Okay, great. She got one out of like 30 bullshit purchases she did on her credit card. That's not all groceries. You said it was all groceries. It's all for my kids. That doesn't matter. If you're going out to eat, you can't just say, oh, it's my kids and it's okay. when you're racking your debt up, you're draining your savings down. You're not getting a house in May. You know the conversation we're having now?

1:10:28A conversation where he talked to a loan shark. That's the conversation we're having. You're talking about getting a house in May? No, you have$1 ,000 in your savings. F*** you. Savings are going down. Credit card debt is going up. What the f*** are you on about? You're delusional. You're not getting a house. And if you do, you're going to put yourself in a worse position than you're in now. Delusional. I don't want the house that we're living in. I want a lot of things. I don't get it if it's dumb. Stop. You're a moron. Okay, here's a credit one. Quicksilver, whose? Probably mine. Okay. Okay, well, what's going on with it?

1:11:04The balance that we have on that is for his therapy appointments. Okay, now is it going to be like last summer? You said it's groceries, and then it's like 95 % not groceries. No, there might be one other charge on there from recently that wasn't supposed to go on there. But the last two charges should be his therapy appointments. Well, you probably need a lot of it. Also, one did, yep, there's a counseling service, but then the rest was like, I think car insurance, then getting some bullshit, and then getting some bullshit. Okay, so shut the fuck up. Let me speak. Three or four purchases were not therapy.

1:11:39Nope, the car insurance, yes, because my car insurance did not accept Discover. Doesn't matter to me. You are putting everything, even therapy is good. I recommend therapy. I advocate for therapy. I give therapy. You're putting it on a credit card. Your credit cards are going up. Your savings are going down. You're over budgeted everywhere. You're spending money on bullshit. It doesn't work. But it's for good things. But on a bad card. It's for mental health and for my kids. Like those things are important to me. I want to make sure they're covered. So honestly, I mean, I do think you should get a job.

1:12:14But the reason you're going to have to get a job is to pay for all her misbehavior. her inability to budget, she's going to use your money for the down payment because she can't manage a really good salary for the area. Yeah. So that's it. You want to use them for the money. I've told him I want him to work to contribute to the down payment. Yeah, but the contribute is all of it because you spend all of your money on bullshit. Mental health is some bullshit. It's secret that my salary only covers the budget. But it doesn't only cover the budget. It would cover the budget and more. You spend it all on bullshit.

1:12:49You can't say it only covers the budget. It doesn't cover the budget. What are you talking about? You don't know what you're talking about. You don't know what you're saying. I mean, bullshit at a minimum was like$800. Yes, but you spend more on them than you put towards them. So that doesn't matter. Your logic is broken. You spend a minimum$800 on bullshit. It was closer to probably$1 ,500 on bullshit. Okay? Some months, yes. The month I have, moron. Guys, you've known me since the beginning, and the fact is I just love building products that help people, and we're continuing to do that with the Caleb Hammer Financial Services.

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1:14:34Code Caleb still gets you 10 % off your entire order. And there's still a shot. One out of every 10 that your tub comes with my face on it. All you need to do is head to gamersubs.gg slash Caleb or click the link in the description below. Like what the f***? Not every month. Every month's a little different. Doesn't matter. That's what you spend while you're begging him to get a job. He should get a job for multiple reasons. But he shouldn't have to get a job to deal with your bullshit because you have no ability to manage your money. That is the one reason he shouldn't get a job. Okay? There's a thousand reasons he should, but that's not it.

1:15:15$25 minimum there. Home Depot, who knows? But I'll tell you what, there's been fees and shit, which is late payments. That means she's not even on time on paying her minimums. So you say you always make your payments? you not on time she's late not on purpose oh great oh you're excused what do you want from me well i'm not intentionally missing the payments because i can't afford to make so i missed the deadline she was late twice on the previous card too so she goes to you she controls you she owns you and you're all cucked about it but then she's late on everything how does that make you feel what does that make everything i was late on one thing two two things Sorry.

1:16:00We've talked about two. We've talked about two and you're late on both of them. One of them multiple. I brought it up. Shut the up, you dumb. I brought it up before. I've said when I see the alerts pop up, I'm like, why is that late? Why is that late? Why is that? Because you're controlling the finances. Yeah. But I mean, but you are in control of this and I'm the one like backing off saying, well, okay, you're in control. I'll do this. That's fine. I contribute this because we already have this saved and that's going to be paid off. And then, yeah, then it's late, late, later. Well, let's pay off dental bills right now.

1:16:32Let's pay the full amount off or I don't know. Whatever ends up happening. I don't know. Push your limits. Train with precision. See the results. At Equinox, that's high performance loving. Everything you need to lock in and unlock your potential at Equinox. Start today at equinox.com. I don't know where anything goes to. It is a blame because I'm focused on so many other things. I don't see where anything goes to. though. You have access to all of this. Yeah, and I look at it and I'm going, what the f***? And you don't talk to me about it?

1:17:11If you have a problem, talk about it. I've asked several times to say, hey, I want to be more involved in this. I want to be more involved in this. I want to be more involved in this. And then what does she do? Yeah, we'll talk about it. You can be more involved. Why would you include them? I literally have text messages that tell you, I I paid this this week, I paid this this week, and this is how much went into savings. Well, what are you asking for? I'm just wanting to know where everything goes to, whether it's a dentist or therapy or kids or this. I just want to know where everything goes.

1:17:41Okay, why don't you guys have a joint budgeting app with DollarWise or something and sit down with it on a weekly basis? She's supposed to report every purchase as it happens? That doesn't make any sense. That is not a way to manage. It's a horrible expectation to put on someone. Why should she have to think about reporting to you? Like she's your child all of a sudden. Like what are you talking about? I thought you meant like including you like sit down, talk about the budget, talk about the household finances. No, that's what I mean. Absolutely. No, you said you want to report of every purchase.

1:18:09No, I can see those, but I wanted to sit down and talk how we can make things work better. And you've said that like once. It's been more than once. and I tell you I have text messages where I have told you I'm not consistent on it on what I have done with the money that week okay now here's the thing he has in collections$1 ,005 from First Premier and Fortiva for$605 this is the interesting thing to me and how we know your communication is absolutely f***ed up when you guys were having the onboarding call with Lindsay and everything like that he immediately jumps in and says Oh, it was fraudulent.

1:18:49It was all that when you were there. It was fraudulent. It was open fraudulently. I remember that. And then he sends a secret text immediately the next morning, which is today. Here's the text. I'll read it aloud. Also, I remember those credit cards. And honestly, I just forgot to pay them. I got them. I lost a contact I had. I was so depressed about it, that Fortiva card with$1 ,000 balance on it. Why is he lying about it in front of you? Like, why are you lying? No, so, okay, I was... He says there were dark times, blah, blah, blah, blah, blah. Please explain to me, please. Yes, all that aside, the dark times aside.

1:19:32Wait, this is crazy. Hold on, I didn't even read this. Told my wife I was going to work out of town for a weekend and just stayed in a hotel alone for three days. What is that? what are we doing in a hotel alone wait hold on hold on hold on I love her so much and would never cheat never have even considered it but I hide away sometimes I don't believe you wouldn't no that's absolutely true I would get to the hotel by themselves and then lies about it she can back me up on that I've done it before multiple times one time that I knew of and now I'm finding out more so please do explain so i i the credit cards i had no intention on using they were sent to me i left them dormant you told her in front of her the other day that they're open fraudulently you were hoping them to go hide from her yes alone and i i i forgot about them i mean i put them away i don't know that's probably the worst i've never had credit cards in my life and then Finally, I opened these.

1:20:38No, it was a loan. I went. Well, why'd you lie to her yesterday? I was just thrown off, thrown off guard. I didn't just. So what's up that takes you by surprise? You lied to her? No, not to, no, that's. What would you have thought if you knew he was going to do this so many times? Staying in hotels, motels alone. No, there's just this once that she didn't know about. This was the only time that's happened. And what does that make you think? How does that make you feel? I immediately know what's going through my head. Yeah, it makes me wonder, one, why he did it. to what made him feel why he needed to do it and what actually happened while he was there.

1:21:11Which, by the way... So please tell me... Answer these questions, please. Well, I should let you know as well. On top of it, he's pretending like this is a forever ghost. Many of these cards are open in 2026. That's this year. No, this was this year. That's not dark times a long time ago. So what weekend were you gone that you had to work? So the original intention, I was supposed to be shooting a documentary at this really cool hotel. And no, it was a paid thing. Like everything was set up. It got pulled. Yeah. I do remember this. It did. It did got pulled there too, didn't it? No, no, no. So I do like to recluse.

1:21:46I like to just kind of be in solitude. Go into a room. It was. Take a shower. It was. I did. It was a great place. Go for a walk. Where did you go? This makes no sense. No, it was when I was supposed to be shooting that in Eureka Springs. Arkansas. Went down there. It's a cool little town. It's like a little getaway. And no, I stayed in a room for three days. In Eureka? Three days. Why didn't you tell me? Because you've done that before. For what it sounds like the same reason. So I don't understand why you lied about it this time. So, you know, I had my own reasons. I mean, I didn't feel great about it.

1:22:27Why the lie? Unless there's something more being hidden. What's the point at the lie. If you did something similar before, but you told her why lie this time, you know, that was a really good contract. And once again, I go, Hey, I just failed at something else. This is wonderful. I still shot some footage while I was there. I did my own thing. This is not answering the why lie. You see how he's dodging this. Yeah. So I was walking around it because of the financial reasons. Cause I usually don't do the credit card thing. I didn't want to, you know, I just said, Hey, I'll pay this back. It's not a big deal.

1:22:56I'll pay it back. Close down the cards. Well, you can't tell me by the way that you've never had debt before when I I have$605 ,000. This is the first time. And then we have active right now, not in collections,$420 ,000 with a$25 ,000 minimum fee payment. Who even knows what's getting spent on that because you didn't send me statements? I only have a formal credit report. So I don't even know. You're hiding your spending in the middle of this episode. You're a liar. You're not trustworthy. You're not a reliable source. Maybe I don't believe you on that scam thing with the restraining order. No, no, no.

1:23:22I can tell you what both of those are. Please do. Your wife would like to know, buddy, including this active one, capital one another capital one with a by the way they're all over maxed out over maxed out last one had a balance cap of 300 he's a 420 this one has a balance cap 300 this one's at 382 probably a 20 25 minimum as well yeah go on tell her she wants no dude yeah so i had these uh this was i don't know if you kind of remember april through may um i had i had lost i mean it was like it was it was the last straw for me yeah I I once again remember things started picking up they're really great I was telling you hey I've got all these contracts again things are coming in three of them yeah I remember and every single one just I got one call from a producer hey we're actually we're not going to shoot this well I'm still getting paid for it right uh not the full amount what's not the full amount it was like a half day stipend which was like 80 bucks and I okay, I still got two other contracts.

1:24:30The next thing it was like, oh, hey, we're not coming into town. We're not shooting this. It'll be next year before we shoot this. Okay, I need to tell you something. The way this man talks and tells stories when he's like, you remember, you remember, you remember. And then he goes around and tells the story. He's like, well, actually, it wasn't even that much. That's how gaslighters speak. When they tell stories that way, that's exactly how liars speak. There's no other person that speaks that way. And knowing his background and his swindling and all that shit, I'm not surprised either. But no one talks that way unless they are telling a lie.

1:25:04I've never swindled or scammed anybody. I mean, and I've never lied to her about anything. You lied about this. You are right now, and this is huge. I mean, it is. No, no, no. No one speaks the way you just spoke if they're not gaslighting. It's embarrassing. I feel guilty. I feel awful that I had this, but it was for personal, selfish reasons just for myself, though. I've been on my own. I like to recluse. I needed time. I didn't know. Okay, I'll be honest. I wasn't sure. Well, no, I was honest. No, really. I didn't know if I was going to go back home. I had no idea. I was on a motorcycle. And you didn't think that warrant a conversation?

1:25:43Well, no, because genuinely when someone. So what did you do? Pull out these credit cards to pay for things? I didn't know. I didn't know. I had no idea. I didn't know where I was going, when I was going. I didn't know if I was coming back. I had no money. You have all the money. You have everything. I'm going, okay. Well, you could get a job, but. Well, no, and I didn't know what the next step was going to be. I didn't know if I was going to ride until I just. Indeed.com. And why no? The next step. LinkedIn, perhaps. I've actually, I've submitted the past, I don't know. I've submitted so much on there the past three months.

1:26:18How much? Over 300. 300. I mean, I can bring that up and show the application history. I'd be happy to show that. I'll get you a course career certification so we can actually get you some experience and things on your resume that matter. People have converted those course career certifications and gotten paid in careers$100 ,000 a year or more. I'll get you that. But right now, you're a joke. You have collections, 632. Then on care credit, you have$5 ,876 in here. you're spending more than you put towards a gun. Why? It's actually more now. Oh, great. How much more now? I had to put another$1 ,800 on it two weeks ago.

1:26:59Yeah, two weeks ago.

1:27:06For both my girls' braces. It's their dental bills for that. Oh, my fuck. What are we doing? See, what's the point? Interest. Fees. You had a late fee again. This is crazy. and it's not even fixed at 20%. It's not even good. And you got purchases. You purchase on here at 40 % interest. What the f*** are we doing? That's worse than any credit card. This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks.

1:27:43Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses, setup required, compatibility and availability varies 18+. Okay, then you have credit one. That's the worst you can get. Okay, well, they are zero dollar balance. You pay it off, which is good. But there's late fees as well. But you're late. So what's even the point? You're paying, even if you pay it off on time without the interest accruing, which you're doing late. So you're paying for the privilege of using this card. Moron. And on the next one, it's the annual fee and late fee.

1:28:20Like, what the f*** are we doing? You're paying for the privilege of having the card. What is this that you owe$33 ,842 on at a 15.4 % interest rate of death? Huh? Oh, it's funny. That's our car. What do you have? What kind of car? A 2023 Ford Explorer. Couldn't get a 10 ,000-hour car, huh? I am very picky when it comes to you. I don't give a fuck. Picky? Fuck you. Why does your opinion matter? What does your opinion possibly matter? This is$756.17 a month at a 15.4 % interest rate. What the fuck is wrong with you? We need a new vehicle. We need a new vehicle. Congratulations. You owe$33 ,842 on it.

1:29:07What do you think it's worth, this new vehicle? I know what it's worth. It's only worth$23 ,000. 20. Take three away. 20. 20. 20. You. You're underwater. $14 ,000. Well, you're always going to be underwater on a new car for the first couple years. Don't get a new car then. On an interest rate and a minimum payment you can't afford. Well, I can't afford it. You're always going to be addicted. So that means it's okay to take it. What are you talking about? What kind of logic is that? Go f*** yourself. You don't care to change. You sound, you say the right things when you say, I have a goal for retirement.

1:29:46I have a goal for buying a house. You don't do anything to get there. And you don't give a f***. And you'll defend everything. You'll be justified until your dying days. You're never going to get a house again. F*** you. You prioritize your pickiness of a car. And Wingstop. Well, I'm spending a lot of money on it. Of course I'm going to be picky. You didn't have to. Get a$10 ,000 car. Don't exist in this economy anymore. That's a complete lie. The$2 ,000 car certainly doesn't. The$10 ,000 absolutely shut the f*** up. We did make that decision together. We ended up walking off on the lot because we couldn't get anything.

1:30:18The guy did chase us down, and he said, you know,$0. So that's why we got that card. He said, I can get it$0 down. Great, you gave to a salesman. You're f***ing pathetic. I did. $1 ,056 in your collection. Oh, you have another one. $1 ,058 this time. Those are medical bills, one of which is his. Oh, student loans. Okay. You paying on it? No. They'll garnish your wages. It's in deferment. Oh, okay. It's in deferment. Why is it deferred? Can't afford the monthly payment on it right now? I mean, yes, you can. You decided to choose an$800 car payment. You chose that. You're choosing to get Wingstop.

1:30:55Why should we, the taxpayers, defer you? Because having a car to get to and from work is more important. You didn't need a$40 ,000 car. You're so stupid. How are you managing the household finance? You're a moron. What the f*** am I supposed to do with you who can't? a$20 ,000 car is cheaper than$40 ,000. You're choosing We Can Stop overpaying student loans. Why should we subsidize you? Go f*** yourself. I hope they don't accept your deferment anymore for the rest of your life. $17 ,600 for what? What degree did you not get? I have an associate's degree in business and marketing. All that for an associate's degree?

1:31:27F*** off. Are these more student loans or are those detailed? That is the details of the student loan. Okay, well, here's a checking account. Checking account,$216. Let's see, what are we getting? Venmo, Venmo, Amazon, Cash App, Microsoft. It looks like a subscription. Amazon, a purchase of bullshit, gas station. What do you get at the gas station all the time? That's typically cash now, but if that was me on there, then it's like nicotine, you know, nicotine pouches. I don't know, is this any nicotine pouches? Maybe the gas station charge on there is the, on Friday mornings, we stop at the gas station and get my kids a drink and a dad.

1:32:10But she can't afford her student loan payment, so you, the taxpayer, have to subsidize it. Go f*** yourself. Seriously, f*** off. Yeah, you got some bullshit, bullshit, bullshit, cash app, bullshit, door dashing Panda Express, but she can't pay her student loans. Domino's, but she can't pay her student loans. Taco Bell, but she can't pay her student loans. McDonald's, but she can't pay her student loans. Cash app, money out. Getting pizza, but she can't afford her student loans. getting some bullshit, convenience store, um, bullshit, Country Mart, Amazon, convenience store again, getting some bullshit, bullshit, Sirius XM, but she can't afford to sue the loans, she's getting serious, go f*** yourself, went to a restaurant, but can't afford to sue the loans, got some bullshit with the guests, she can't afford to sue the loans, Taco Bell, but can't afford to sue the loans, Amazon, Google Gossip Harbor, that's a game that I play, f*** your games, ha ha ha ha, Go f*** yourself.

1:33:03Amazon got some bullshit. Dollar General, Domino's, can't afford a student loans. IMD Pro. You're a loser. You're never going to be successful in your life. Bullshit, bullshit, bullshit, bullshit. Bullshit. It's all bullshit. Amazon, McDonald's, Jimmy John's, but you can't afford a student loans. Get in some bullshit. Go fund me. Go fund paying back your student loans, you f***. Taco Bell, Subway, books a million. Bullshit, Amazon. Savings drained. It's down. This is so pathetic. You guys suck. You guys absolutely suck. Let me see if I can budget this. But that lie we caught him in that you didn't know about?

1:33:48Guess what? There's another one he lied to you about that we caught him in. Yeah, you don't even know, but we're going to expose his ass in the post show. Get ready. Let's get your budget first. Yeah, you better give him that look. You're going to freak the fuck. Dude, we got your ass. We know everything. And we got your ass. Minimum fee payments,$1 ,102.17. What's your rent? $500. You can't afford that. You guys, listen. No, you should just give up on life. Like,$500 of rent making$5 ,200 and you're not even surviving. Go fuck yourself. What's your utilities? Gas, electric, internet, all that combined.

1:34:28Electric ranges from like$180 to this month. It was almost$400 with the heat wave. We'll call it$250 because there's always a heat wave. Go on. And then trash, water, all that's included in the rent. What about internet? Internet is with our cell phone bill. What's your cell phone bill? We'll do utilities$250. It's$289 for four lines of internet. Do helium. Get off that shit. 15 bucks a line. Just a good service. Gas, a vroom vroom drive drive. How much? We probably spend about$70 twice a week. So what is that? $140? Oh, twice a week. Okay. 1052 divided by 12. All right. $607. Car insurance. Is$163, and that includes renter's insurance.

1:35:20You should be able to do the grocery budget on about$850. Meal prep, meal plan, warming up. not everything's a fresh meal. And we've talked to them about that. Oh, I'm glad you talked about it. You door dash every second of your life and you get Panera every three hours. Shut the f*** up. I don't give a shit what you've talked about in your life. You've talked about a lot of things. You're all talk non-delivery. That's your life. Shut the f*** up. TP funded anything else for you and your kids to survive. That is their clothes. That is tampons. That is toilet paper. That is, you know, you name it.

1:35:48School supplies. All that good stuff. Changes every month, but 250 is what we put towards that. Medical, healthcare. What are our co-pays on a monthly basis? I know he has therapy. That is$150 once a month, and then we have medical insurance of$180. Does that come out of your paycheck? No. Okay,$180 plus$150. Okay, that's fine. Direct care. What else? Then we have dental insurance, which is$155, and critical care insurance, which is$60. Okay,$554. $545, sorry. Subscriptions, I'll give you$50. Do you have any pets? It's about$60 for subscriptions. No, it's not. It's$50. You cut it. Dude, she's broken.

1:36:23Shut the fuck up. What is it? You have pets? Yes. How many? We have two dogs. $100 pet insurance. How much for pet food? We spend about, I think it's$70 a month in pet food. Anything else that needs to be in this budget that I did not put in? No. You still have room even with all the... Your minimum fee payments,$4 ,737.17. It's not a massive amount of wiggle room, but it does give you... I'm going to round down to$400 to be conservative. I'm going to take your$65 ,673.20 of debt, but we are going to minus your student loans. $17 ,70. Minus your student loans. You'll minute the payment until it's paid off once that deferral ends, which will take money away from this, but yes, that happens.

1:37:13That auto loan has f***ed you in every way possible. Some of the collections, I don't need to freak out about. I'm going to minus about$3 ,000 for that. still brings us to$44 ,000 because of that car, which is$33 ,000 of it. Did you just fart, you freak? You're disgusting. 112 months. That is nine years all thanks to your car. Because you fucked up. I tried to trade in the car, borrow the difference, get a cheap car. That'll bring you down to like$25 ,000. It's better than$33 ,000. And then you'll be able to pay off your debt in seven years. Other than that, you guys are fucked up. Not really though, because you need to just go get a job and be a big boy and grow the f*** up And if we work on this budget, congratulations You guys should be able to pay off debt in about five years if you don't trade in the car You should pay off the debt in about two and a half years That's what I would do Then save up a fully funded emergency fund and call it a three and a half year total Or six and a half years if you don't trade in the car You guys are f***ing Unless you get a job and unless you trade in the car I don't care about your dream car, you have a dream to buy a house You're not buying a house in March or May or whatever the f*** you said you're buying a house in 10 years.

1:38:20Maybe. And maybe at that point you shouldn't because you need to take advantage of investing in the market so you can retire. You guys are f***ed. Get a job, downsize the car, and you'll be fine in a few years. That's the answer to the solution in budget! Does it even matter anyway? We'll find out because this dude's been lying and we're going to expose him for his all-shit in the post-show. Get ready. Let's get your hammer financial score first. Spending in a budget. Overspend. 0 out of 10. Death is collection. 0 out of 10. Emergency fund. Draated down to$1 ,000. 1 out of 10. Retirement. I didn't see retirement.

1:38:53You got retirement? No. You want to retire and you're 40 and no retirement? You're done. 0 out of 10. Real estate. Nothing. 0 out of 10. Hammer financial score. Round it up to 0.5 out of 10. Get yours at calebhammer.com. Now join us for what is going to be an incredible post show plus three premium shows every single day, six days a week. That's why there's over 130 ,000 monthly active members to our network, Hammer Elite. It is incredible. Seriously, you don't don't even understand what you're missing, check it out by clicking that join button or link below, or you can go off platform at the Hammer Elite app or hammerelite.com.

1:39:22It's the same membership either on YouTube or at Hammer Elite. We want to give you just more options. We'll see you in the post-show. What do you even think we're talking about? That was probably Pokemon related. We have a reality. He is spending$1 ,000 on Pokemon cards. How did you pay for this? I mean, I put away, You know, the walking money that we set or some of the some of what I don't give to you. That's the down payment on the house. Yeah. I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday.

1:40:04Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise. I want you to be on the next episode of Financial Audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out.

1:40:34Go to calebhammer.com slash apply or click that link in the description below.