The Biggest Losers I've Ever Had On Financial Audit

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24:32Go to that link or click the link in the description below or scan the QR code on screen to start earning 3.75 % APY. Don't put this off, sign up today and actually make your money work for you. Let's get back to the show. You suck with money. So you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because 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 want to 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 dollar wise built by these people just like you for people just like you.

25:23No 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. I mean, I'm okay with putting in a chunk of my money that I get paid every two weeks into an account to cover the household items, you know. Yeah, but that's you transferring money into it. Not all the money goes into it and you transfer a little out for fun on separate. That's different. I mean, it could be the other way around. Yeah, he does the opposite. Okay, so my first marriage— Well, she shook her head, and I know that's not true from the notes of the phone call.

25:54That is a walk back because you're on camera. Right? Right? I like to have a little play around. So what's happening? What's a little play around money, though? I mean, to the point where I don't have to make a call and be like, hey, honey, can we check the bank account, make sure there's like$7 or$10 so I can get a six-inch Subway sandwich? I don't want to do that. That's demeaning. No, it's less about that. It's more about we have conversations at the beginning and end of every single month after we go through the budget and see what happened and know what can be allocated to things like six-inch sandwiches.

26:23I don't know why the fuck you're going to Subway over all places, but even still you are, and that is an agreed-upon conversation at the beginning and end or mid of every single month. It's not for every single purchase, but if they're separate accounts and money's going who knows where and not budgeting as a household, we can't agree on where money should be going and properly allocated in different places. I mean, I would still like a bit of money to be allocated towards my hobbies, and I support her hobbies as well. But I don't mind cutting back on that, but I still want to be able to do that.

26:54Well, you guys had a tense conversation a couple weeks ago. Yeah, yeah. Tell me. Just about this, yeah. Tell me, what happens? Well, you know, basically what we just did, but with his idea, he said, you know, I would put in a chunk of money into a joint account. He would put a chunk of money into the joint account and pay the bills, and he said, whatever's left over is our fund money. I said, but you make double what I make. Don't you see that causing some tension somewhere along the way where you have twice as much fun money as I do and, you know, stuff like that? And he said, well, it wouldn't be exactly 50-50 going into the joint account.

27:30You know, obviously, his words, obviously, he would put in, you know, a higher percentage of the bill since he makes twice as much as I do. I have no issue with that. But I don't know how that works. Well, how was it a tense conversation then if you have no issue with it? What the f*** are we talking about? Every piece of information we have is you were not okay with that, and you are not okay with that. Now you sit here and say you are okay with it? I'm so confused. I feel like that's not helpful when this conversation is done because that is a tone change immediately. I'm not trying to have a tone change.

28:03She had to walk out of the room. She had to walk out of the room in that conversation. She stormed off. Now you're just sitting here saying you're okay with it? I mean, I'm not trying to be controlling about my money. I mean, I am— No, I think you're changing your tune on camera. No, I'm not trying to change my tone on camera at all. Okay, then why was it completely different until you were on camera? Lindsay asked if you guys came to an agreement. She said no. Well, I told Zoe that I would be happy to put a good chunk of my money into the joint account. It's just that I would like to have some play around money.

28:40It doesn't really matter. How are we defining sum? Because you guys did not come to an agreement and she walked away. Tell me. Yeah, I mean, I think. What happened, Zoe? I summoned part of greed to draw three additional cards from my deck. Go ahead. He's asking you. I mean. You were there. You're the one that told. You told Lindsay that you guys did not come to an agreement. Tell me. We'll come to an agreement when it comes to that point. When is ever that point then? Well, that is what we have to determine. I mean, we— Oh, you guys want to have more kids? Yeah. What the f— Well, you're kind of getting a little backwards.

29:18I mean, I know I'm 50. She's 37. Well, I mean, she's in the twilight years, right, of being able to conceive. Do you want to have more kids or not? I have a note that you want to. Then what the f— are you trying to tell me? I'm just saying the likelihood of us conceiving is pretty low. Okay, well, she just ripped out the IUD. Well, that's right. Yep, we yanked that sucker out. So are we wanting and trying to have more kids or not? Because again, I feel like you're doing the thing that just happened in the last three conversational points where you're literally backing out of the exact topic that we had in your pre-interview where you guys are trying to have kids and now you're saying, well, I know I'm old.

29:54That wasn't the conversation. You told them. You aren't trying to have kids. You want to have kids. What are you doing here, man? I'm just saying. Why are you giving this like, why are you doing this looking like a good guy on camera when this has absolutely nothing that has happened in the pre-interview and will not be applicable to anything that happens after this. Why is he acting this way? You're saying the things you know that make you look good, but not the things that apply to anything that happened before this or anything that will happen after this, meaning this is no longer a productive conversation if you're going to bullshit.

30:26I'm not bullshitting. Okay, well, that was not the information you gave before. We are of the mindset that if it happens, great, but we're not going to be going into any like fertility doctors or anything like that to make it happen. So we're actively trying. We're just not going to pay extra medical shit. Correct. Should we bring a child into this? You guys are preparing for a child when she can only, you guys are actively dumping cum in there for the sake of children. While she only stays with you every other week. I visit her too. I don't think, I mean. Okay. While she only stays with you every other week.

31:01While your dad is still there. Well, you have nothing to speak for for retirement 10 years away from retirement. In fact, even less so if we're talking like Roth accounts, 401k, Roth IRA. You have nothing to speak of as far as I know. You guys are completely f***ed up lives. No room for the current kids. And we're banging to have more? What the f*** are we doing, guys? I feel like this is literally the most irresponsible thing. Why aren't you moving in with her? We've talked about that. Well, it sounds like we've talked about a lot and agreed on nothing ever because no conversation is productive because we just say what makes us look good.

31:36He says he likes his space. Space is good. I do like my space. I agree. You can have space in a same house. We've also talked about that. I'm glad we talk about things. What did we come to when we talked about it? Well. Have you ever talked about something and concluded? Followed through with it? Yeah. Well, according to her face, no. But yes, you go ahead and say yes. I mean, I would like to follow through with that. I mean, so our discussion about that was if my youngest daughter ever decided to move back home to her old room that I'm currently staying in. Why would she? Well, if something happened to her relationship.

32:13She has a turbulent relationship. Turbulent relationship? Turbulent relationship. It's a little off and off. So do you, guys. But if she were to ever move back home, I had discussed with Zoe that, you know, I would, since I work from home, I would, you know, after work, go to her house, hang out, and go back to work the next day. So you're acting like you're in high school. This is so weird. And you're trying to bring a kid to this. You won't even combine finances. Well, I know the likelihood of bringing a kid in. It doesn't matter. It can happen. Robert De Niro has done it many times. Well, and I'm sure he spent a lot of money to do that, to become a father.

32:44No, dude's just dropping loads, man. Well, then he must be very filled. What are you? You're the same age as Elon. Dude's busted nuts left and right popping out kids. Elon's older than me. I'm sure he's paying. Well, there you go. He's paying something to pump those kids out. You just look older. And he's actively, well, yeah, for some, but for some, he's just busting out. First of all, I mean, you're 50. You can bust. You're fucking going crazy. It's her. It's her that we're concerned about. And she's on that edge. And then other things as well. Sure. Okay? But it can still happen. And I'm prepared for that.

33:13I mean, I would cut out. Are we? Are we prepared? I would cut out all the bullshit tomorrow. That's my point. I would do that. Hey, if you could, then why aren't you? Would be my question. You weren't willing to for the sake of your dad. You're not willing to for the sake of her. You weren't willing to for the sake of the last ex and the ex before that. So why the f*** would this be different? You weren't willing to for your other kid. You weren't willing to for the other kid besides that kid. Why is all of a sudden it is different for this? This is the man who says the good words, who promises the good things, who does the good talk but never does the f***ing walk.

33:44We've seen it time and time again. Every woman has seen it in a relationship. every woman has said in a relationship it will always happen tomorrow never comes tomorrow never comes but yet you keep doing that and her and a child might come into this situation that is completely and i don't think you'll change anything you're a broken record your pattern is relentless of never changing anything and you're willing to promise her that hey if you birth out a kid then i say i have a note that she doesn't even want for what it's worth you don't even want a kid. Why do I have that? No, I wouldn't have that note if there wasn't something.

34:24No, I, I, I mean, I have my boy, I have my girl. They are of the age where they can take care of themselves. So, yes, finally. So, you know, I wasn't super, you know, I wasn't super eager of having another kid, you know, to and done kind of thing. But he, you know, really wants, you know, especially a boy. He'd be happy with a boy or a girl. There you go. You actively want. I mean, it would be nice to carry on the family name. The family? Me, right? I mean, shit. He's the last male in the family. Well, fuck you a little. What's your family? You're not a dynasty. Who cares? We're not in the Middle Evil era.

35:07What are you passing on? I mean, my family is from that timeframe, but I mean, but, you know, just every family's from that timeframe. Welcome to the human history. Right. But like family name, what legacy are you? What legacy are you trying to push on? I think I put pressure on myself to carry on the family name because it ends with me. Like if I don't have a son. And will the world be disappointed? The world will carry on. The sun will rise in the morning. Sure. That's, but. What will we lose? I mean, to answer what you were saying a couple of minutes ago, I think it's about selfishness. I mean, and maybe a little entitlement because, I mean, to give you some context, you know, because I said earlier that my dad has always been bad with money.

35:51You know, this is going to date myself, but we owned a video store in the 80s and 90s. It's a good time to own one. Well, it was, yes. It was a boom time for videos and VHS and all that. And my dad would be the reckless spender. and my mother would be the one that would put the flames out and try to make numbers meet and tables. Wow, so I need to impregnate a woman who doesn't want to have a kid while everything is f***ed and I've never changed behavior once because my dad owned a video store in the 80s. What the f*** are you saying? But what I'm saying is that the pattern of his reckless spending, he hasn't changed.

36:20He's still the same. Oh, so that means you should not change. What the f*** are you saying? I don't give a s*** about your dad. Well, I mean, the byproduct of what's happening right now is because of that. And I'm very grateful for that. He's being your mortgage. I know, and I'm very grateful for that. What the f*** is he saying right now? It may not look like I'm grateful for it, but I am. No, just like literally, what's your point? I would love, I loved being pregnant. I love babies and toddlers. I love all of that, and I think he would be a great father. You loved being pregnant? Yes, I am one of those.

36:49Some women don't, but Zoe does. What is being loving being pregnant even? I just, I felt strong and powerful and beautiful, and I don't know. it's the one time in my life I actually liked my body you know I don't I don't know it's hard to explain it I mean you make life until you you know you feel the baby and you know you just it's great I mean you're making life that's beautiful oh yeah no it is beautiful I just typically don't really hear that I didn't have a lot of help when my babies were babies. So that's another reason why I was like two and done. And you think you're going to have help now?

37:35Dude doesn't fix his shit for what it's worth at all and you guys only spend a week at a time together. He is super hands-on and helpful. Hands-on in what way? I mean, I was getting up at 2, 3 o 'clock in the morning, you know, taking care of my kids when they were little. I mean, she never had that help when she had her kids when they were little. And when they're participating in sports and wanting to learn at 10, and you're 61, then what? Yeah, at this rate, I will not make it probably to 70. Oh, very good. That's what you want to hear when you're about the birth of a kid and that's when they're graduating high school.

38:10You like hearing that? No, I definitely don't like hearing that. He is, you know, along with the finances, we are both working on being healthier. Eating cleaner. The last two months or stuff, we've been... Okay, that means nothing. I know. Tell me when you've done something for six months. Right. I have your most recent statements. It's all f***. That means nothing to me. Your food spending is ridiculous. Shut the f*** up. This is f***. When you're absolutely, when you're really bad, but just because it's slightly better than being even worse doesn't mean you're really bad right now is okay. It doesn't.

38:48$500 going out to eat. Unknown spending,$1 ,113. Guarantee a lot of that was going out to eat. Miscellaneous bullshit. Stopping in and getting some bullshit. Energy drinks, whatnot. Another 500 bucks. So now going out to eat in one hour is probably about$1 ,200. Other large purchases, we don't know. This could be food. One month. Jesus Christ. This is an additional$4 ,220. I'm assuming. Yes. Because mine doesn't like that. It does not suggest being better financially. It does not suggest eating better. And no, that is not your dad's fault for having a video store in the 80s. That is you swiping your card.

39:25Getting those points. Uh-huh. getting those points. He likes those points. Drop my dad on the floor before 70 before your kid has graduated high school. If we had a new kid. Which there is a chance. And I know right now, you also admitted to getting to the point where you're kind of dependent on him financially. That's what you said. You're dependent on him financially because he spoils you. You sucker him into spending money so that you can go out to eat and just further go down that hole. Well, to be fair, I... Getting a head shake. I'm getting an agreement. Finally, he agreed with something that was said before you guys came on.

40:04Ouch. Yeah, well, I make enough to support myself and my kids, and I was getting by without him perfectly fine. I just... Now you're dependent. It's very close. Both of them immediately change their tune when they come on the show when the point that the other one said before coming on is against them. In fact, she was the one that said, I feel dependent on him because he spoils me. And now she's on camera, changes her tune. Chat, never come on the show if you're like these people. Well, I mean, if we were to break up tomorrow, I would, I mean, financially, I would be okay. I make enough to support me and my family, and I did.

40:43Why did you tell Lindsey you feel dependent on him because he spoils you? Your words. Well, I mean, yeah. You said. Life certainly wouldn't be as enjoyable without him, for sure. because I can't, I mean, I can't afford anything extra. After everything is paid, you have like$5 left to your name, if that. Exactly. And if there's one deviation from an electric bill, a water bill, you're f***ed. I'm screwed, yeah. You're f***ed. Yeah. That doesn't sound like you'd be able to be independent. I mean, I was for almost two years. You was, but now you're not. I mean, it was different because you were living in an apartment.

41:19Now you have your own house. I mean, that is true. What? How could you not bring that up in the context of you saying you'd be fine? What the f*** is wrong with you? No shit that's different. It's a lot different. What the f*** is wrong with you? I swear, both of you just wanted to say the right thing. Oh my goodness. I mean, the house is that much more expensive than the apartment. You know what that means? You guys are actually worse than the average guest that comes on and says bad s***. Because you guys are just f***ing hiding it. Meaning you're not willing to take accountability for one single thing in your f***ing lives when you're in the wrong.

41:52Not one thing, meaning you guys are going to be, the average guess changes their life after this. You guys are going to get worse. Not willing to take accountability for one thing that is happening. Not only that, the things you just said before coming on. It's disgusting. Good luck, brand new kid. What do we think the household financial score is as a combined household today? Zero being the absolute worst, 10 being the absolute best. I'm going to go with four. Two. All right. If you want your Hammer Financial Score, get it. Link in the description below or at CalebHammer.com. Just takes a few minutes.

42:28Just takes a few minutes and it is free. See where you stand in the world of money, where you need to improve, what you need to do to improve, and where you're already doing great. And if you don't want to be like the guests that end up on this show who clearly don't know their numbers, download DollWise. Start your free trial and you'll immediately see once you connect your accounts where everything is going, you'll get incredible insights and how to change your life. Check it out. Most people after the free trial take the annual version if they like it because it It saves 50%. And then you get my personal 30-day budget meal plan signed by me.

42:57This one's already signed. Sign in boxes. It is a detailed meal plan for every day of the week, snack, drinks, all the good stuff. So you no longer have an excuse that, oh, cooking's hard. Oh, I can't budget on a low budget. It's all there. It's all wonderful. And then the only way to get it is by getting the annual version of DollarWise. I'll sign it and send it directly to you. DollarWise.com or the App Store. Let's get into these finances. Citi Personal Loan. Is this the consolidation? That is a consolidation, yes. This is the consolidation at a 13 % interest rate, essentially. Man, I thought that was pretty good.

43:32I mean, I - Why is that good? I mean, I'm sure it's better than a 30 % credit card, but why is that good? Honestly, I thought it was like 9 or 10%. I didn't realize it was 13 point something. Then why, when you heard it, did you say, well, that's pretty good? I mean - If you thought it was lower. I mean, it's better than 17 or 20, right? But yeah, I - Oh, that makes it good. if I only smoked once a day versus three. What are you talking about? It was just to pay off debt. It was to go - It's not paying off debt. I know, it's just transference of debt. Yes, it's moving debt. I realize that. Which, by the way, before change of behavior, which we know you did not, via the statements here with only$50 ,000 in retirement at 50 years old, dying on the Walmart floor, the fact is you're just going to hurt yourself.

44:10You may have been good for a month, which, no, you actually haven't been because regardless, maybe a little better, but not good. You are going to end up in the same exact position. because it has happened every single time in the history of this show that guests have come on that have done this or bankruptcy or credit card transfer or a debt consolidation program. They end up in a worse position because now they have that debt and then they build up their other debt. Okay, maybe you haven't built it all the way back up in one month, but you will because you bullshit, because you cope, because you blame everything on your f***ing dad even though he's paying your mortgage like a weirdo.

44:42You're about to have the expenses of a children, a child potentially, if it happens, which it might, and there's a halfway decent chance for what it is worth. And then you consider this actually paying off debt. Just having that mindset alone suggests that it will build back up. And this doesn't terrify you to get into. This doesn't terrify you in every way whatsoever. It does consume me. Well, good thing I wasn't asking you. I was asking Zoe. I was looking at her, but she wasn't looking at me. I don't know if she was looking for a donut somewhere, but. I didn't hear the question. Oh, good. Wonderful.

45:15Okay. Us reading the notes. The smell of the bagel shop downstairs is really filling the room. I mean, this may be difficult for you to believe, but I have changed. I mean, for example, I just— Hang on a second. Shut the f*** up. No, I just—

45:32I mean, but you're spending more than you make, so that's not going anywhere. I don't know what the f*** we're talking about. And I would also be worried of AI debt. Yeah. Or AI. I mean, I would be in a position. Yeah, absolutely. You're not really doing anything to get you there. A couple thousand hours and 50 ,000 in retirement. At 50, it's not really changing your life and spending thousands more than you guys make on a monthly basis. And having 412 ,000 hours in debt. Yeah, that ship has sailed, I think, as far as 401k is concerned. Okay, yeah, it's not just 401k. It's retirement and savings.

46:02It's being able to survive. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to$350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for Chime. Get that$350 right now in your checking account. If budgeting apps make you feel like s***, this is for you.

46:40Most people who struggle with budgeting are irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts, and try tracking. But within a few days, it feels like a homework assignment they're failing. Too many categories, too many rules, too many red alerts screaming at them about what they did wrong. So, of course, they stopped opening it. Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't coming from your spending, It's coming from having zero clarity in using tools that turn money into a failing grade.

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47:47And again, the only reason you've been able to save a couple thousand dollars is because you sold something, not because you changed behavior. The only reason you were able to save a couple thousand dollars isn't because you changed behavior, because your dad is paying your mortgage. If you weren't able to sell something, which, ooh, what a big man, he sold something he thought he wasn't going to sell. You just made one adult decision in the first time in 50 years. Yeah, he's - Well, dad still pays your mortgage. If you had to pay your mortgage, and now there's not another, and now you can't sell that car again, you will not be there.

48:13That's not progress. That is the same mindset as the consolidation. No, I do not want to shit on you for selling the car. That was good. But you viewing that as making a big change in life is a failure because the consolidation isn't. Selling something, yeah, you made the decision. I'm glad you did that. But you didn't change behavior that actually cut spending and saved the money. You sold something and your dad took care of the mortgage so you didn't have to put the money there instead. So I don't want to f***ing hear it. And to be fair, part of his emergency fund is selling the car and his income tax refund.

48:43And about$3 ,000 of that is insurance that is— Still sitting in my bank account that I have to pay to the insurance company for my daughter's recent car accident. Yeah, so it's not his money. Yeah. So it's about$17 ,000, not$20 ,000, but it—yeah. And part of it was income tax and your bonus stipends. A little bonuses, yeah. Yeah. So I just, I don't know. In the end, it's not a behavior change. It's really not. Really not. And what happens when you all of a sudden have to start paying your mortgage? I don't know. I feel like the emergency fund is going to be dipped then. Okay, we've talked about that.

49:17I mean, basically the eating out is going to— We've talked about that too. Okay, the eating out is going to have to stop. Do we get to talk about it? Yeah. That's exciting. The eating out is going to have to stop. Like, I mean, maybe once a week. Hey, guys, congratulations, Chad. I don't have to push back on that because the eating out is going to stop. Never has, is not, but it's going to. So guess what? I guess the conversation's over. He's definitely going to change that for the first time in his entire life at 50. What do you want me to do with that, man? Seriously, think about it from my perspective.

49:48Sit on my side. A guy that's never done anything right in his entire life comes here and says, I'm going to change that. We talked about it. What do you want from me? Am I going to say congratulations, shake your hand, you're on your way, you're going to change, everything's perfect? Yeah. Like, fuck you, man. I will never understand that. I'm getting more and more of those answers on this show. It makes no sense. You cannot come in here with this indication of behavior and the lack of changing it, bragging about a consolidation and selling a car, and then say, well, Caleb, it's okay because we talked about it, and we will, at some point in the future, change it.

50:24What do you want me to do, man? That's why I'm here. That's why I need help. Oh, that's why he's here. He's hitting them all. I need help. He's hitting them all, ladies and gentlemen. I need help with a budget. He has nothing. He has nothing. Why can't you budget? Why do you need Caleb Hammer, a f*** who's fat and eats McDonald's all the time, can't even get his own weight under control, to make you a budget? How f*** are you in life where you can't do a single thing by the time 50 that you need a 31-year-old fat f*** to make a budget for you? Huh? I use a notepad for a monthly budget. I just, I go by what the notepad shows.

50:59I pay my bills on the Thursday. He said how's that been working? I'm just basically flying by the situ to my pants.. Sebzit not right now. He couldn't work?

51:17He tenurebile medida, he said five-year-old.

51:28So, fun! IPO - night sometime. like, shit, this is not working. Yes, that was my question, actually. Maybe you might have an answer. I mean, for the last six or seven years, it's basically just been paying off debt with tax refund, with bonuses that I would get from work, paying down the debt as much as I could, and then recharging it back up. That was the only way that I could afford to pay my bills, to pay by groceries. Okay, that's not mean bills. You're just going in debt and replacing it with other debt eventually, and then you budget on paper. Why do you need that 31-year-old Caleb Hammer with no college degree or credentials to make you a budget when you have been trying a notepad for seven years and didn't realize that at least year five, it wasn't working?

52:19Dollar-wise is great. You guys get it for free forever and that will change your budgeting habits. But guess what? Even before it came out, there were other ones. what the fuck is wrong with you? That's why I'm here and we're going to change it? Fuck you. You're 50. You've had children. They're all out of college now. We're in college. Why haven't you done a single thing and the only answer you have is that's why I'm here and I'm going to change it? I want to know why you haven't changed a single fucking thing and the fact that you haven't been able to give me an answer means no accountability has ever been taken and no accountability ever will.

52:52Just selfish cope. I mean, it's as simple as that. Selfish cope. Why? What are we trying to do? What is it? Live in life? Who do we not care about? Clearly her. I don't give a fuck about her. I do care about Zoe. Okay, which is why you're continuing your selfish behavior. I mean, there is a method to my madness. I mean, the things that I buy. Please explain it. Yeah, the things that I buy, which is, you know, sometimes it's collectible racing helmets. I try to buy them for cheap and then, you know, keep them for six, 12 months and then flip them and resell them. And the going out to eat? The going out to eat.

53:22You flip it and sell it in your shit? I mean, yeah, the going out to eat has been kind of crazy. That's interesting. What's the method to our madness there? We like to go out to eat. Okay, no method. It's literally just you can't control your behavior to save your life. So is meal prepping. Congratulations. You get one of those. That would be helpful. I mean, I don't mind cooking. I mean, I like to cook. I think I'm a pretty decent cook, but for a guy. Well, then maybe do it. We have started cooking more at home. Oh, good. Guys, it's the same four answers. Oh, we've started doing things better for the last two weeks, Caleb.

53:54Give us a high five. Guys, by the time I knew I was going to come on Financial Audit and get yelled at, we started changing the moment we applied. Like, fuck off. That means nothing. I mean, I've always cooked at home for me and my kids. It's sporadic. It's just on the weeks when I'm with him. Oh, good. That's indicative of a great future together when we're together all the time.

54:16Uh-huh. So this personal loan is$13 ,500. Yes. with a whole minimum monthly payment of$1 ,200.85. That was intentional. I knew what I was doing with that. You knew what you were doing with it. Yep, you thought the interest rate was 8 % and not 13%. Well, I knew what I was doing with it. I get a half a percent interest deduction with auto pay. A half a percent. Yeah, to like 12 something. Well, what a f***ing king. You really got to pass on that family line. You're so smart. Half a percent. We got to keep that gene pool around. I mean, it's half a percent. It's not bad. Could be worse. Could be worse.

54:57There's a cope. Thoughts on any of this? I advised him against the consolidation loan before he got it. Or against it. I don't know if I said against. But yes, I was against it. You didn't say that. I did try to tell him. Because, as you may have known, we do watch your show a lot. and we like to say, what would Caleb say? And, you know, I was telling him before the consolidation loan that, you know, he needs to try to not spend on his cards for several months before doing the consolidation. And next thing you know, he's like, well, I did it. It's like, okay, we'll see. In hindsight, it was a dumb move.

55:41I should have sold the vehicle back then, but a few months ago, I still wanted to keep it and I changed my mind and recently got rid of it. But yeah, it was a bit of a bonehead move. But$1 ,250, I mean, it'll be paid off at the end of this year. Says who? Says the papers. I mean, I intentionally did it for 12. Yeah, if you make your payments, if your dad doesn't, and then all of a sudden you have to make your mortgage. Yeah. Like, this is a lot of ifs and hopes and dreams. It's not like I'm incapable of paying a mortgage. You're right. If nothing absolutely happens, you'll be fine. But something always happens.

56:12You're also obese at 50. Something always happens. AI is happening. Something always happens. yeah and that's that's why i've been working on you know this emergency fund i've been working on it for the last couple weeks before i knew i was coming on financial audit stop repeating the same bullshit over and over again it means nothing it means nothing you selling a car not changing behavior means nothing it means i will give you a high five for the one correct decision you made your entire life but other than that you did not change progress you did not cut spending your dad is paying your mortgage you are given every blessed opportunity imaginable Do not give yourself a high five for saving up a couple thousand bucks, buddy Do not!

56:52And stop trying to use it as a get out of pushback free card Like my goodness, what the f*** do I do with people like you? It's impossible, man. You make this conversation impossible. if you just fall back on the same bullshit that we've already established is not valid. PayPal, what's going on? Bullshit spending. So this is you. Yeah, that's me. I thought you said, oh, don't you know, mate? The debt consolidation was my only f***ing card. That is the one that I use basically for anything. I thought you said the consolidation was your only debt earlier. I don't remember saying it was my only debt.

57:34Maybe I misheard that. I mean, I think I told Lindsay it got paid down to like maybe$1 ,500, maybe$1 ,000, and it's gotten back up since that conversation. So what's even the point? I have this balance. It went down since the conversation, and it went right back up to this balance now. Oh, it's even higher than it is now. See, so you're going to— And you brag about your behavior. You brag about saving a couple thousand dollars, but this one's even higher than it is now. In what world? In what world will I ever listen to you that I'm going to stop eating out? You spent$26 ,000 on eBay last year alone.

58:09Yeah, I added it up kind of as a joke just to see. Humorous. I mean, it was birthday gifts, you know, Valentine's gifts, bullshit spending, you know, buying stuff for myself. I mean, yeah. He goes to eBay before Amazon. Yeah, yeah. Like anything you would normally just go to Amazon or Walmart for, he'll go to eBay. Yeah. But yeah, he also buys a ton of helmets. and some of them are to keep some of them are to flip and I do sit on them for a little while my problem is that I buy one and then it arrives and I unbox I'm like shit this looks really good I'm going to keep it and not sell it like I intended that's one of the issues that I have I buy it to intend it to flip it and I'm like damn that's really cool I'm going to put it on the display I just wish your dad bought one before you dropped as a child so what is the balance now?

59:01Yeah, because I think on that it's like maybe eight. Oh. On that, it goes up and down. It ebbs and flows. Oh, my goodness. $8 ,000. What's the minimum monthly payment? I think it's like$125 ,000,$140 ,000. It wouldn't be lower. That doesn't make any sense. It's probably like$200 ,000. Yeah, the interest is like$100 on that. Oh, yeah, and it takes 20 years to pay off. He'll be dead. Yeah, 20 years, yeah. Based on his health, at least. He'll be around 70, maybe. Just lose some money and you'll be around for a while. You got good genes with your dad. Just lose some weight. And I got to do the same thing.

59:33I get it. He's been smoking for 50 years and he stole a spring chicken. Some people get those extra lucky things. And maybe you'll get lucky with the obese thing as well. But let's just put statistics on our side. Like, it's not great that I'm like this at 31, but certainly can't be like it at 50. You just can't. That type 2 diabetes sucks. Okay, show me. Show me the card. Bring it up. You got diabetes? Type 2, yeah. That's it. freaking sex. You're trying to have kid? You have f***ing diabetes? Type 2? Not type 1, but it's the shittier one, but it's still shitty. Yes, it's the one you can get rid of.

1:00:10Do you want me to do a screen record? Why are you saying type 2? I know. If it was type 1, I wouldn't be criticizing you. It is type 2, and you're trying to have a f***ing kid? I think he's trying to say type 1, isn't that something you can pass on to kids, maybe? I don't know. Is that genetic? Type 2 can be reversible from what I understand. Yes, and you You have it. You're trying to have a kid.

1:00:36Are we not understanding what I am saying here? I am understanding what you're saying. Are you going to make it to 70? I mean. How many insulin shots do you give yourself a day? Well, you don't own insulin with type 2. He doesn't do insulin. Type 1. At all? Don't you? Type 1's insulin. Yep, most people are. Yes, type 2, absolutely. I just have some special medication for it to like. Okay, okay. Yeah. Do I need to screen record? He takes medicine and controls his sugar intake. This is controlling your sugar intake? It's sugar-free. Yeah, sugar-free. So it's fat then. You consume fat. Probably. Probably.

1:01:12I mean, I like a good steak every now and again with the fat. Okay, well, there you go. I mean, I love steak too. I get it. Shouldn't be doing it. Shouldn't be doing it. Shouldn't be doing it. Okay. I mean, we got$227 there,$214 there,$93 there,$228 there,$37 there,$25 there. What's this Tenso? Oh, it's a service company where they buy something off of an auction site in Japan and they're like the middleman that packages it up and sends it from the seller to the shipping place. It's an expensive hobby. It's an expensive hobby. Yeah, so maybe don't do it. Or cut it backed by 75%. Instead of a helmet a week, get a helmet a month.

1:01:55Yeah, I mean, I buy, you know, three or four a month on average. Oh, my. Yep. And that's not working. Oh, but I look at it like a nest egg. Like, I'll give you an example. I bought one from Japan, like, for$450. I could sell it tomorrow. This is not an exaggeration for, like, two or three grand. And you're probably going to be like, do it. I have good news. Yes, do it. And I'm sitting on it. Well, then it's not a good nest egg if you're not willing to sell it. Tell them about the one you just sold. Oh, you're right. Yeah. I just sold one for$500 and now the buyer's not very happy with it and he's wanting to send it back to that.

1:02:28He's wanting to repay. Can I? Yeah, I was going to tell you I made$1 ,000 on eBay this month but now it's only$500 because the guy's not happy with it. So why do you only tell me the good thing and never the bad? Well, I mean, it's a bummer. I mean, I didn't see that. I didn't see that. Good response. Why do you tell me the good and never the bad? Oh, it's a bummer. Wonderful. You will never accept responsibility for anything. I am capable of accepting responsibility when I think that I'm in the wrong. Okay, not being able to take care of a new kid, not being able to take care of your current kid, she can't move in with you because you don't have enough space.

1:03:00Your dad's taking care of your entire life. You've drained hundreds of thousands of dollars from him, essentially. And the only thing you've had to brag about is that you sold something you already owned, which, yippee, yay, proud of you. $50 ,000 for retirement. Please tell me. My kids can rely on me. I mean, I joke with them. Not financially. I mean, I joke with them. I mean, sometimes I'm the bank of debt, But, I mean, when I bail them out, I'm going into debt. Haven't you only been bailed out endlessly in your 50 years? What? That's the only reason you got— I mean, I have had bailouts from my family in the past.

1:03:32Like, you know, 2010 was like$5 ,000. Oh, my— 2017, maybe like$3 ,000. And then dad paying the mortgage. I didn't know about those. What? No. Are you serious? I only know about— Oh, my— So you've been bailed out on average every four years, and she didn't even know she's getting into this. I mean, there's some context to that. What's the context? No, I don't even care. I don't even care. All I know is you just bailed out, honestly, and you just took out a 401k loan as well. Yeah, that was just... And I bet to him, that's progress. No, that was just me feeling guilty for the bullshit spending in 2025.

1:04:09Yeah, I mean, I felt guilty about it, and I got... So we borrow against our 401k, which if we get laid off with AI, it becomes due like that, which means taxes and penalties because you have to sell in order to get there and you're also not getting the market gains which kind of sucks actually because we're in a down market right now and we really want to take advantage of those market gains as much as we can but instead you're just like oh I'm paying myself back with interest and it doesn't even compete at all with market gains. So that's your guilt? It's better than the withdrawal. You have to punish yourself?

1:04:33I mean last September I just went off the rails on eBay and spent like four or five grand. That's not many months ago. And you're trying to tell me this entire conversation that we've changed and only a few months ago you just spend five grand on eBay? Yeah. I'll just go kill myself. What the fuck are we doing, guys? What are we getting at Walmart when we go there? Because that's not usually like grocery prices in that kind of range because it's not spending that much. It's probably groceries and coloring books. And, oh, coloring books. Zoe likes to color and coloring books to relax. I get them at Walmart.

1:05:07Sometimes we do. I've gotten one or two books at Walmart. Usually it's on Amazon. I am judging you a little, but I'm trying not to. You do what's fun. I like the color. It's calming. It's relaxing. I like the color by numbers. No, no, no. I'm trying to, I'm accepting it. Is that the PayPal at Walmart? I guess that would be normally groceries. Yeah, so I mean, sometimes I do the PayPal at Walmart just to get the points. Oh, Guadalajara, everyone's favorite destination, Mexican Grill. You must see that a lot. Oh, it's so good. Yeah. It's a great Mexican food. That's our favorite restaurant. Oh, and it's so good for you guys.

1:05:48Clearly. I mean, Mexicans are like the fattest people on earth. So I think it's the most obese country. Yeah. I think, right? It might be. I think so. But they're pretty awesome. Well, yeah. But you keep eating their food, you're going to look like the most obese country. Yeah, we go there at least. It tastes good for a reason. Yeah, we go there at least once a week. Oh, that's good. That's our cutting back, ladies and gentlemen. Once every other week. Oh, shut the f***. I don't even believe you. Subway, there's the, we're getting healthy. Subway, eat fresh. And go for the same age gap as Jared.

1:06:19Dairy Queen, F1.com. Yeah, streaming service. Waffle House,$60 at Waffle House. Waffle House is cheap. What do you have to eat to consume$60 at Waffle House? That must have been before I went out with the kids. Yeah, probably was. Okay, yeah, actually was. Okay, but even still, this is money we don't have. Okay, this is$4 from Walmart. That's not groceries. you get your zero calorie energy drinks, right? Yeah. Well, there you go. Okay, no longer. You, little friend, you are not going to interrupt my pitch. Thank you. Are you using GamerSupps from now on? GamerSupps, delicious. This right here is 40 cents a serving.

1:06:57So this is what the pack looks like with the GamerSupps. But you guys can actually get free samples using my link in the description below and typing in code Caleb. So this is absolutely delicious. It's caffeinated. It's an energy drink. It's wonderful. You shake it up. It's delicious. You make it the strength you want. It's awesome. There's also the hydration versions if you don't want caffeine. Check it out. 40 cents a serving. Make your energy drinks at home like you make your coffee at home. Get your free samples to figure out what flavor you like. Gamersubs.gg. Link in the description below.

1:07:23Code Caleb. Okay, now you can interrupt me. Oh, I was just going to say, as far as I know, you don't really go anywhere and like buy energy drinks. Not like just one off. You get the packs. Yeah, I'm looking forward to trying it. Who knows what we got there? But no, seriously, do it. Any chance to save some money? Oh, you can try it right now. Yeah, I would like a drink. Mark, can you go get a bottle of water? Oh, all right. She's thirsty too. I've been meaning to ask for some water. Okay. Here. Yeah. Let me make it. While I keep going through this, here. Take a big swig of this to give us some room.

1:08:03Senior tequila. That's what we need. Our health is already so good. Guadalajara Mexican again. Waterburger. We like Mexican. Okay. Copper Penny, Copper Penny, Macalester's Landing Flea Market, Waffle House again. It's the same place over and over again. Bullshit, bullshit. Sending money, 1 ,233 spending. Oh, that was - I'd put a full scoop in there and just start with that with a good shake. Yeah, that was a mistake. Oh, that was a mistake. I commissioned somebody to paint something for me, and yeah, the tariffs kicked my ass. I mean - Oh, fuck you, the tariffs. No, it's— I mean, just, like, don't do it.

1:08:41It was, like,$100 to ship it there. I had to pay— Also, when? The tariffs were struck unconstitutional recently. Well, you're still having to pay for them right now. I spent$500— I'd give it a— I spent$500 in tariffs a couple of days ago with some recent purchases from Japan. $500 in tariffs and shipping, but the majority of it was tariffs. Okay. It's ridiculous. See, if it's strong enough, you might need to do an extra scoop. It's up to you for what flavor you like. I also don't even know what flavor that is. They have, like, 1 ,000. Yeah, probably another scoop. Scoop it up. Let's go. Okay. Yeah, I commissioned somebody to paint something for me, and it just— All this while your dad is taking care of your mortgage, mind you.

1:09:23Yeah. I'm well aware of that. That's why I got the debt consolidation loan. Oh, that's going to be strong. She wanted more. Oh, you did the whole thing. Oh, you're about to— You only did like half, right? Half the thing is going to— Where'd the lid go? interest accruing like crazy at least no late payments that's good it's about that paperclip way down there alright alright what are we talking about the lid fill okay so what is this of savings plan oh is this your 401k loan yes it's like okay and you're ready to return shit you're paying yourself back but you better not give so this goes again okay what is this $50 ,000 in retirement anyway this is like 37 38 and then you're borrowing against it anyway.

1:10:09Okay, I checked it a couple of days ago. The market's gone up. The stock for my company went up like... Well, that's good, but for the$10 ,000 you're borrowing against, you're not reaping that reward. I mean, I'm probably going to regret asking this. What should it be at my age, like my 401k, like$200 ,000,$300 ,000,$400 ,000? What's your annual income? Probably, I mean, before or after taxes. Before? Before. Probably like$83 ,000. Oh, dude. I know. Shut up. I don't like this number. Did you try it? I don't know. Not yet. I've tried it before. We got the sample pack. It was awesome. Oh. Oh, see?

1:10:44Did you want to try that? Yeah, sure. I mean, I think at minimum, if I'm not mistaken, it's supposed to be somewhere around like$581 ,000. Boy. Free income. Yeah, I'm cooked. I'm cooked. Yes. Change your behavior. You're not doing that. Including, what is this? Staple. Oh, that's Steeplechase. That's my apartment. Why do you owe three... Why do you owe$3 ,048? Um, for breaking the lease? Why? For f***ing why? Starbucks is bulls*** and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving.

1:11:38And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10 % off your order at gamersubs.gg or click that link in the description below. Type in code Caleb. I am so excited for you guys to finally get your hands on what I've been working on for a year. The brand new DollarWise budgeting app. And listen, I get it. The first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use.

1:12:18But let's be honest, that was on me. So I put my money where my mouth is. And after investing millions of dollars and hiring dozens of people, we've completely rebuilt DollarWise and it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time or trying it again after you used the shitty version last year. But these deals only last through March 31st and then they're gone forever. Download now, take your free trial to test it out and get the monthly plan at a 33 % discount for three months or take the annual plan for an insane 50 % discount. And with the annual, you get my budget-friendly cookbook signed by me and my brand new 30-day detailed budget meal plan signed by me as well.

1:13:03Both of them mailed directly to you. But after March 31st, the cookbook is gone forever. So this is literally your last chance to get it. Don't miss this opportunity of a lifetime. Download DollarWise and start your free trial. Go to DollarWise.com or click those links below. Uh, so my lease was up in December, um, and I started looking at houses in August or September and, um. Reasonable time to start looking. That's not bad. Right. Um, and we closed on the house November 1st when my lease was up December 1st. And the way I was explained. Pay the last month. I know. That's what I'm saying. So the way I was explained is, you know, the breaking the lease amount was equal to one month's rent.

1:13:51So I was like, okay, so I could either pay November's rent or I could pay the exact same amount for breaking the lease. So I moved out November 1st thinking I would just pay that month's rent. Is that what they agreed upon in writing? That's the way I understood the contract. What? I should say. Your understanding? Who gives a fuck about your understanding? Did you ask them? They just told me that the last month's rent would be due

1:14:20Did you ask them? Did they say yes or no? No, she did not Why would you just assume things? I mean, I thought they did tell me that You thought they did tell you that? Dude, this was a couple months ago You thought they did tell you that? They just told me that that last month would be that I would owe it. And so I just thought it was that or that. Why haven't you paid the$3 ,048? She doesn't have it. Simple. She doesn't have it. Well, for one thing, I don't have it. But also, that's not the full expenditure. They also are trying to charge me like$600 in damages. Yeah, did you take pictures and everything before you left and before you started?

1:15:04We didn't think about doing that. Oh, my gosh. Have you guys ever lived somewhere? I mean, it's been well since I've lived in an apartment. That was, I never. I mean, we just cleaned it really good. We did like a deep clean. There were like some pinholes in the walls. Before you move in, you take pictures. And when you move out, you take pictures. That's the first apartment I'd ever lived in. I've always owned a home. No one ever gave you that advice? Like, listen, I don't even come from like good advice. At least I knew that. I don't have any family. I don't have relatives. So what's your plan here?

1:15:28You're just hoping it goes away? So they were charging me all these damages. And they gave me a checklist of, before I moved out, I gave them lots of notice that I was moving out. They gave me a checklist. This is what we're going to look at, and this is what we're going to charge you if there's damages. And then after I moved out, they sent me this invoice for like$600. Yeah, don't get me wrong. They're shitty. That's why you have to do the due diligence. Well, then I asked. I was like, well, can I get a breakdown? What exactly are you charging me for? And they sent me the same list, but I compared it to the one they gave me a month prior, and everything had doubled.

1:16:02Everything. Okay. Like if they were charging$30 for this damage, they're charging$60. I asked them. You don't have any proof. you have nothing to do. So just pay it. Well, I mean, I have both firms. I have the one they gave me that said this is how much the damages cost. You're going to go to a lawyer? I don't know yet. I'm dealing with other legal things right now. Trust me, I'm on your side, but it's like, I also don't want you to get even more hurt by having this f*** your credit. I know. And I have been considering going - Okay, this looks like a mortgage. Who owes$147 ,793.96? So that is - Not much.

1:16:34Chase, that is the mortgage with my ex-husband. Yes. Are you on this? Yes. With your ex? He will not remove me. Why? How long have you guys been? Almost two years we've been divorced. Well, in court right now. It is in court right now. We're in court right now. And? And so far, nothing. Who pays? He pays for it as of right now. Hopefully he doesn't miss anything. Yes. But yeah, it's been almost two years. Well, how are we in court? He has not done anything to get my name off of it. Well, yeah. I mean, he kind of wants to fuck you over, which again, I'm on your side. But what are things looking like?

1:17:09So he was supposed to go before a judge at the end of January to tell him why he should not be held in contempt of court for not doing his stuff. And because of that big snow and ice that came through at the end of January, it got delayed. They said, we're going to postpone it. And so far, there's been no date set. But you guys want to buy this house anyway, I'm being told. So for an investment property, you guys think you're getting into landlording? You just got to buy one. You don't even know what happens. So, yeah, Jimmy has, I mean. Jimmy, 50 ,000 hours in retirement. Yeah, let's hear how you should be a landlord and get into that game.

1:17:45I mean, if it came to it, I would, you know, I'd be open for an investment property. And that would be. You guys are going to get so. So we just. It's so much more expensive and less. It's just like. And also, how are you buying? What money are we buying this with? I mean, believe it or not, my credit score is like 830 right now. So leverage. Yeah. And, you know, we were just kind of toying with the idea that if he can't get my name off the mortgage any other way, then I'll just buy out. Okay, does he want you to? No. Oh, my ex? Oh, God, no. Oh, then what the fuck are we doing? How is that our plan if he's not going to sell?

1:18:21He would still want us. They need to want to sell. The court would force him to sell the house if he can't get my name off the mortgage any other way. Because the court said that is what we're trying to fight for. That's what my lawyer has said would be the end result. Potentially, if they win, if you win. Yes, yeah. If he won't assume the mortgage, if he can't refinance it. Okay, who has a Ford Edge? Me. All right, Zoe, what's the interest on your Ford Edge? 17%. What the fuck are we doing here? I know. Yeah. You know. Then why are we still spending bullshit money instead of paying this off if we know?

1:18:57That's even worse than ignorance. I'd rather you be ignorant. I'm not even going to say it. Huh? I'm not even going to say it. Say it. We've talked about it. Oh. And where have those conversations led to? Well. So I was actually going to ask your opinion on some of it. Good. Pay it off. Well, yeah, I don't have the money. Well, you would have more money if you didn't spend thousands on bullshit. I don't. I was looking at getting like a six. You don't spend anything. When we look at your accounts, I'm going to see no spending.

1:19:29This is worth$8 ,000. It's worth$8 ,000. Okay. So we have a game plan because I've bought a couple of vehicles for my kids over the last, you know, four or five years and I've financed them through a local bank. The interest rate is like six and a half, maybe 7%. If you know, you give them the VIN, you talk up like the features and everything. They're like, oh, okay. You know, we'll give you like eight or nine grand loan. And then we're wanting to use that money. And, you know, obviously if it was what the balance was on the vehicle, pay it off and then have a lower interest rate because they'll get it from 17 that she's paying now down to six or seven.

1:20:00And I know it's six or seven because that's what I've done with previous loans with my credit score. Are they booing me? No, they're saying boo-erns. Okay. Well, you don't think that's a good idea? Potentially. I mean, I feel like what happens with what you just did with your personal loan, you let your foot off the gas because you thought you made progress, and this is going to be another example of it. Technically, mathematically, sure. But I feel like this is going to prevent us from pushing hard, and we're going to continue our bullshit spending. What is this? $40 ,682.13. Interest rate of only 4%.

1:20:33That is the solar panels on my ex-husband's house. And? Again, he hasn't taken my name off of it. And it is in court. What's the solar panels? I don't even know. Do you have the legal fight on this one? I don't even know. Yeah, it's in our divorce decree that he's supposed to remove my name from it. Oh, if it's in the decree, then there you go. Okay. Yeah, he's supposed to remove my name from the, from, well, from everything. So$227.88 on a monthly basis. But let me mark these as an ex because he is paying those for what it's worth. Their decree is pretty airtight. Interest rate's not bad, though.

1:21:09Okay. And other mortgage. Is this finally yours? That's my mortgage on my new house. What the fuck are you doing? You have three... Okay. That's my new house? Yeah. I've had lots of houses in the last few years. That's great when we can't afford our bills. Okay. $178 and$328.96. with a minimum monthly payment of$1 ,360.56. Okay. Yeah, I mean, it's below 6%. Minimum monthly payment's chunky for your income. It's already half. I don't know how the... Well, yeah, they'll overqualify you like crazy, but this is insane. Yes. What if your mortgage? So the mortgage rate... So, of course, they throw on the extra taxes and the...

1:21:58Yeah, fuck you. It doesn't matter. You agree to this minimum monthly payment or right around it, and it's 50 % of your income. This is horrible. This is a horrible decision as a mother. Right. What I was going to say is before they threw on the home insurance. What do you mean? You would know the minimum of the payment. They projected to you. Also, this is not your first house. I'm saying. You do not get to play. I'm such a judgy little. You are. Same as what I was paying at the apartment is what I was getting at before they threw on the home insurance. You know that there are home insurances.

1:22:30You moron! This is your second f***ing house! And what my lender told me my home insurance rate was going to be was half of what it actually ended. Even still, okay, hold on, okay. Escrow and everything. That's taxes and insurance, and the insurance of that is probably like$150, so half was$75. So it went from$75 to$150. That extra$75 did not make or break the fact that this is 50 % of your f***ing income. So don't bullshit me! These are the bullshit champions. I have never been bullshit more than these two people. Oh, my. You have barely any equity, if anything at all. Why also get child support, too?

1:23:067%. You haven't thrown that into the income. Well, you didn't tell me that with your income, so why would I? Well, you didn't ask. You asked what my income was. And then you could have, but I also get child support. That's what everyone else does in the history of this show that you watch. So what's your child support? They always throw it in later. What's your child support? I think I know my own show. What is your child support? It's$198 every two weeks. Wow, that really makes this mortgage affordable. $198 every two? Wow, millionaire status. Login. Okay. It was also about the cheapest house I could get in my town.

1:23:46That's not necessarily a good thing. I know. Also, you don't need to own. Like, why do you feel like you had to? You owe$216,$625. No, that was the original. What is it now? It should be like$190 something. Okay. It's$190. $190 ,362.

1:24:06And he's making all payments? Currently, yes. That's ridiculous. Look, when he came to live to America, he's like, I'm going to make your life better. And I'm like, well, you know what? I'm going to make my life better. What a sugar daddy. I know. Well, what a coat. It's just like, make your own life better while he's paying for this. You're just not. I don't understand. Okay. with$1 ,816 on a monthly basis. And you do have equity in this house. Yes. And he's paying for it. About$140, I'd say, in equity. Okay. Best Buy. Who owes$600 on Best Buy interest-free currently? That's me. Bought a dryer.

1:24:43New dryer. The other one almost caught fire. What do you mean almost caught fire? Yeah. Three years to pay off. It's a long story. No interest until a long story about how a dryer almost caught fire. So my washing machine wasn't spin-drying clothes properly and wet towels would go in the dryer and lint build up and yada, yada, yada. You take the lint out? Well, yeah, but it was like collecting at the back where you couldn't really get to it. Okay. Deferred interest is accruing. It needs to be paid off. 20, 27, 5, 20, 27. Okay. Who has Capital One Quicksilver? That's me. Okay, this one's paid off every month, so I'm not going to freak out about this one.

1:25:19But there is still spending, and the spending is spending regardless. That spending could be going to other things. $280,$48, and$173 to Walmart. That could have been one of the times that I, you know, bought the groceries that month. And this one's paid off every month, too, so I'm not freaking out about it, but Saver card. It's still spending, though. Amazon, Amazon, Zaxby's, Amazon. That's your daughter's. Yeah, okay, yeah, yeah. So I got a credit card for my youngest daughter to help build up a credit score, and I'd charge it up every month and then pay it off. You? Well, I mean, I'd talk to her, of course, and, you know, she's like, Yes, but you, the guy that happens when your dad all of a sudden, again, isn't making a payment.

1:25:58You're going to f*** your kid. She's 21 and she's got a 744 credit score. That's not too shabby. For now. You were on this until you f*** it. Look what you've done your entire life. It's a cycle of f***ing unfuck, right? I mean, I never really thought of it like that, but. No? Technically, I have that card in case of emergencies. Yeah, so she's currently. Oh, Greg, this is already getting messy. What are we doing, guys? You're going to destroy your... So stupid. I'll let you use the mine card. It's a debit card that builds credit. It used to be called the Fizz card. It's the mine card now. Mine card now.

1:26:28And I'll also get you a course career certification so you can use it. I would love that. Get into a career path like many people in the audience have with course careers and improve your income situation dramatically. Okay, this card's also paid off. An NTT online. Is that the ice card stuff? Okay, who has a balance of$217 in this checking account, of which I can't even see the name of what bank it is? no this is a balance due what is this someone tell me what this is

1:27:00oh this is my lawyer stuff okay you owe 210 uh no i'm oh like 1100 actually now do you have a minimum monthly payment as of yet no um they send me an invoice every month but i already told them or asked them if i could wait until after the court stuff because if you're gonna get a sum of money? Well, if we win, then he has to pay all of the legal fees. His and mine. But, of course, if I lose, I have to pay all of mine and his. There's a lot riding on this. I'm going to assume this one's you. Yep, that's me. Okay. Yes, the balance has gone off. That's good, but it rotates like crazy, so I'm not going to counter for much, but$100 PayPal, Best Buy, Amazon, PayPal, Zelle, Zelle, PayPal, Zelle.

1:27:44Where are all the Zelles going? Probably maybe to Zoe and my kids. Sometimes I bail them out. A thousand hours in this. Who's this? That's mine. Okay, the person who doesn't spend money. Family dollar. Stopping in and getting some bullshit. Donuts. Amazon. Amazon. Ring basic plan. Bullshit. Bullshit. Bullshit. Zelle. Audible. Go to the library. Roblox. Roblox for the kid. I get it. You can't afford it. And stop. He's getting pedophiled. He gave me his birthday. He got like holiday cash. And so I spended it electronically and he gives me the cash. for it. Zaxby's, Amazon, Zelle, KFC, bullshit. Maybe.

1:28:24My perfect resume. Okay. Bullshit. And maybe okay at Walmart. Walmart is always groceries. Your retirement's at$123. Killing it and almost$40. It's also absolutely horrible. Yeah. Walmart's always groceries. Again, I think this is Endless Cope saying the right things. I don't necessarily believe that things are going to change after this, but I will make a budget and I hope you guys are able to communicate and I hope that a kid isn't running this world, and that's sad to say. The 401k stuff is also part of the legal issue. The whole time we were married, my ex didn't want me putting money into my retirement because he just put money into his retirement and he would be there to support me.

1:29:06What would you get? Because he took out a 401k loan to buy this house that my name is still on, it would only be about$7 ,000 or$8 ,000. Well, at least he can put that towards retirement or pay off some debt. Okay. Mortgage,$1 ,816.40. You do pay for that on your own. Correct. No? $1 ,360 I pay, yeah. $1 ,360, yes. Yeah. Loans on top of that,$1 ,756.85. The ones that you guys take care of. City card being the big one, chunky one for sure, plus your car. Okay. Both of you separate, but gas, electric, internet, utilities, all together. Please, for each of you. Mine is$350 for electric. Just electric?

1:29:54Gas is, well, in the summer it's like$40, in the winter it's like$200. Okay, I'll put it at$100. I don't know, maybe$250 altogether for me. What about internet? I got a stipend, so mine is about$100 out of pocket. $30. What the fuck? Xfinity sucks in my area. Okay, so utilities,$850. Okay, phone bills. $280, well, Zoe pays me$80 a month, and my bill is like$284 with employee discounts, but it's$284. Okay,$284. I would switch to Helium if T-Mobile is good in your area. $15 a line, very good. Same service. Vroom, vroom, drive, drive, gasoline. How much? Well, gas just went up, so I think I do about$45 every 10 days.

1:30:45So$120,$130? And about$100,$145. And I'm about$90 a month. Okay, car insurances. Mine's like$500. Mine's$190. I've got like six vehicles on it though. Okay, sell them. An adult,$690. TP fund, anything else for you and your kids to survive? It's difficult in your guys' situation, but I think$350 should be good. Food, okay. One lives at home still. Two lives at home. Okay. Well, he doesn't pay for his daughter's stuff. She buys her own things. The one who lives at home, not even groceries? She gets her own groceries and is like, do not touch. I'm like, okay, that's fine. Okay, then you should be able to do...

1:31:27I only spend$130 every other week. About$900. Yeah, you go out to eat like none other. Subscriptions will try to do... I meant for me. $75. Do we have any pets? I have a cat. Got two dogs. Aged as health? One's 15, one's five. Five-year-old will do pet insurance? My cat's about five. Okay. $100 for pet insurance have food how much? $60 for me $30 I'm just doing math I'd say like$50 a month for food and litter $100 anything else that needs to be in this budget that I have not put in yet? I mean with your cars and phones and stuff are you putting in that your daughters give you money? oh we'll put that into the income Yeah, that's negligible.

1:32:16I mean... Well, how much? One gives me... Shoot, one gives me$82,$87, and the other gives me like$400. Oh, that's a negligible. Well, one is... Not really.

1:32:33Okay. What has... Well, I don't know. And the$80 I give you for the phones... $6 ,700. Well, that doesn't matter. Part is my ex, too. $6 ,701. And then how much comes in from them? again? Oh, for the jump horse? No. From his kids. Yeah,$487. So what? $487. Okay, so $6 ,883. And without that, because it is not negligible, you guys would have been f***ed without it. Actually underwater. But you have an extra $181.59. Woohoo. You need to get a better job. We need to cut spending. I've been trying. Cheers. Well, this is the reality of the situation. You will break even for a while. I'd try to consolidate by selling a house, moving in together, get this thing, get the show on the road.

1:33:21That cuts our expenses dramatically. But what, yeah, when you're, again, like I said, the moment your dad takes over your mortgage, this is gone. You have an extra 181. Even on basic necessities. 1800 then. I'm going to be negative 1800. Yes. Yeah, see, yeah, this is where like everything has to change. Yeah. Yes, everything has to change. That's what I'm saying. It's going to take years to be off the debt, obviously like this, but this just can't be how it is. You guys need to actually consolidate. Try to get bills under one thing so that we can bring payments down, get rid of your cars, cut this car insurance thing.

1:33:51That's going to save a lot of money too. Meal plan, meal budgeting, not going out to eat. With that, you can actually bring this probably up to an extra$500 a month and we can actually make progress and pay off debt in a few years and get to a fully funded emergency fund, which is critical. In retirement, we're going to have to really be pushing 40 % towards retirement on a monthly basis after we have a fully funded emergency fund. including you because you're dramatically behind. Oh, what? No, I was just going to ask your opinion on, you know, I just got my income tax refund, which isn't a huge amount.

1:34:24Well, that's what I was going to ask. Should I put it towards retirement? Should I put it towards the car? Debt. Yeah. Debt. Debt. All right, guys, there's something we haven't been able to talk about. He wanted to only talk about it in the post show. It's crazy. We're going to talk about it in the post show. Yeah. Get f***ing ready. Join Hammer late to see that, but let's get the Hammer financial score first. Spending in a budget, overspend, zero out of 10. This is for the household debt. Well, apartment collection, zero out of 10. Emergency fund. Technically, it's not in collections yet, I should say.

1:34:54Nothing's in collections. Okay. Debt for your income is basically as bad as it gets. One out of 10. Emergency fund, two out of 10. Retirement, very behind. Three out of 10. Real estate, you have an equities position. Yours is weird. And then complications with X, it's going to bring it down a little bit. but I'll give you a six out of 10 there. So Hammer Financial Score.

1:35:21Round it up. 2.5 out of 10. See you in the post show. Join Hammer Elite. Get your Hammer Financial Score at CalebHammer.com. Click the join button now. Join us for the post show. What could you not say in the main show? Even now and again, I would like, you know, because I've got his account linked up to, linked up to one of my bills. So I would like just like. You're taking money from him without him knowing. It's maybe like a month. Oh, he's paying your mortgage? I know. You're taking money from him without him knowing. Literally pulling from his account. What the f***? This is the final day.

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