In short
Podcast Summary: The CRAZIEST Reveal In Financial Audit History
Episode Overview In this episode of "Financial Audit," host Caleb Hammer takes a deep dive into the chaotic financial situation and relationship dynamics of guests Luna and Alphonse from Tulsa, Oklahoma. The episode focuses on their financial struggles, relationship issues, and the impact of their spending habits on their future.
Key Themes and Topics Discussed
- Financial Struggles: The couple discusses their earnings, employment, and the rising costs of living that are making financial stability difficult.
- Spending Habits: Their spending on dining out, fast food, and non-essential items takes center stage, revealing poor financial management.
- Relationship Dynamics: This episode highlights the stress their financial issues place on their relationship, including trust issues stemming from infidelity.
- Future Aspirations: The couple discusses their dream of buying a home despite their current financial situation, leading to a discussion on financial feasibility.
Key Takeaways
- Financial Situation
- Income:
- Luna earns approximately $1,863 net monthly from her job as a shift manager at a fast food restaurant.
- Alphonse makes about $600 every two weeks as a part-time line cook, alongside income from DoorDash.
- Total Monthly Income: Estimated total income of about $3,430 before taxes.
- Expenses
- Major Expenses:
- Rent: $800
- Utilities: Approximately $410 (water, electricity, gas, internet)
- Groceries: $600
- Other recurring expenses include loans and vehicle payments totaling around $1,868.51.
- Total Monthly Expenses: Estimated total expenses exceed income, leading to a significant financial shortfall.
- Relationship Issues
- Trust Issues: Alphonse expresses significant distrust regarding Luna's past infidelity and ongoing communications with an ex. This has created tension within their relationship.
- Communication Breakdown: They frequently argue about finances and mutual responsibilities, indicating a lack of healthy communication about financial decisions.
- Couples Dynamic: The couple exhibits a cycle of conflict, often blaming each other for financial failures while navigating their relationship challenges.
- Poor Financial Management
- Spending on Non-Essentials: The couple spends excessively on takeout, fast food, and gaming, all while neglecting essential bills.
- Lack of Budgeting: There is a clear absence of a structured budget or financial plan, leading to repeated financial mismanagement and debt accumulation.
- Crisis Prevention: The guests are urged to consider financial education and structured budgeting to improve their financial literacy.
Pivotal Moments
- Infidelity Discussion: A pivotal moment arises when Alphonse reveals Luna has sent nude photos to another man, leading to a heated conversation about trust and boundaries.
- Financial Audit: The episode serves as a financial audit where the couple's income, expenses, and financial decisions are scrutinized, exposing their financial irresponsibility.
- Unexpected Revelations: The episode takes surprising turns as both guests reveal their pasts and struggles with mental health, which complicates their current situations.
Conclusion The episode showcases a complex interplay between financial mismanagement and relationship turmoil. The couple's story serves as a cautionary tale about the importance of financial literacy, effective communication, and trust in relationships. Caleb emphasizes the need for structured financial planning and open dialogues about money to foster healthier relationships and financial stability.
Resources
- DollarWise App: Caleb promotes his budgeting app, DollarWise, as a tool for better financial management and budgeting.
- Call to Action: The episode encourages listeners to reflect on their financial situations and consider improvements through budgeting education.
---
This summary encapsulates the main discussions and lessons from the podcast episode, emphasizing the complex relationship dynamics intertwined with financial issues.
Written by AI. May contain mistakes. Listen to the episode to check what was said.
Chapters
Tap a time to open that second in VOEngaging Couple Story
0:58 to 2:30
Luna and Alphonse share their backgrounds and relationship dynamics.
“To watch episodes of Financial Audit a week earlier, check us out on YouTube.”
Financial Discussions and Job Insights
2:31 to 4:25
The couple discusses their jobs, income, and financial challenges.
“What do we do in Tulsa, Oklahoma for a living?”
Struggles with Financial Decisions
4:26 to 6:40
Alphonse shares his health issues and the impact on their finances.
“She's getting screwed with health insurance.”
Military Experience and Education Plans
6:41 to 8:10
Alphonse discusses his military background and plans for education.
“I actually went there yesterday or today.”
Arguments Over Finances and Priorities
8:11 to 14:01
The couple argues about finances, spending habits, and priorities.
“And because Obama was making cuts in the military, they used that to discharge me.”
Discussing Financial Priorities
14:01 to 14:26
The conversation highlights conflicting priorities in spending, particularly around dining out.
“Go ahead Take me through one What goes on in this household?”
Communication Breakdown in Finances
14:27 to 16:46
The couple discusses their financial communication issues and missed payments.
“Usually he forgets about one of his bills And then he cries about it as soon as he finds out?”
Exploring Spending Patterns
17:23 to 19:48
Discussion shifts to identifying and addressing spending habits beyond food.
“She just said she knows where her money is going.”
Trust Issues and Infidelity
19:49 to 22:08
The conversation reveals deep-seated trust issues and past infidelities affecting the relationship.
“And that's one of the recent fights we had.”
Understanding Boundaries and Jealousy
23:27 to 28:00
The discussion deepens around boundaries in relationships and jealousy stemming from past actions.
“I told her that she can talk to him as long as...”
Show all 33 chapters
Texting Drama Unfolds
28:00 to 29:58
A heated argument arises over personal boundaries and trust in relationships.
“Stop Is I know for a fact a woman That is her best friend Which ones have received nudes in there?”
Unpacking the Relationship Issues
30:00 to 37:12
The hosts dive deep into the complexities of trust, boundaries, and past actions in a relationship.
“That is a girl, girl, girl, girl, girl, girl.”
Cheating Accusations and Revelations
37:12 to 42:01
Intense revelations about cheating and personal history unfold during a heated discussion.
“She, when we she told, she didn't say that she broke up with him until after.”
Exploring Past Relationships
42:01 to 44:34
The hosts discuss the complexities of past relationships and trust.
“I will say 99 % of those people are just streaks.”
Trust Issues and Cheating
46:35 to 48:46
A deep dive into trust issues and the potential for cheating in relationships.
“He is my only contact with that job to have been able to get my tax forms.”
Financial Decisions and Challenges
49:16 to 53:04
Discussion on financial decisions involving loans, housing, and budgeting.
“No one's ever given or gotten roadhead or touched once in their lives.”
Navigating Financial Stress
53:05 to 56:01
The hosts dissect the implications of financial stress and credit management.
“And hopes and dreams she's not cheating on you.”
Understanding Credit and Financial Struggles
56:01 to 56:44
Learn about the complexities of credit management and personal loans.
“What f***ing credit are you trying to build?”
Personal Relationships and Financial Consequences
56:44 to 58:59
Explore the impact of personal relationships on financial decisions and mental health.
“That was the limit that it gave me originally.”
Navigating Parenting and Divorce
58:59 to 1:01:12
Hear about the challenges of co-parenting and dealing with divorce aftermath.
“Because I was in a hospital for attempting suicide.”
Exploring Payday Loans and Their Impact
1:01:12 to 1:03:29
Understand the risks associated with payday loans and high interest rates.
“I just, I don't, I don't, I just don't like, it's like, we're going to go through this, but how will you ever trust each other?”
Earning Through DoorDash: A Breakdown
1:03:29 to 1:06:35
Analyze the financial benefits and challenges of working with DoorDash.
“have horrendous interest rates, don't they?”
Discussion on Personal Purchases and Relationships
1:09:09 to 1:10:00
Delve into the dynamics of personal spending and its effects on relationships.
“Yeah, before you can sit down and game shit.”
Casual Conversations and Discounts
1:10:00 to 1:10:30
Discussing daily routines and a discount offer for a gaming product.
“if at all I don't know it just doesn't line up he watches it more than I do well if you're not f***ing him that's fair yeah I watch f***ing most daily oh and I jog off like once or twice a day oh Oh.”
Credit Cards and Financial Mistakes
1:10:40 to 1:11:50
Discussion on various credit cards and the financial implications of their usage.
“You get, I think it's a 10 or 20 % discount.”
Relationships and Financial Dependencies
1:11:50 to 1:13:40
Exploring the dynamics of relationships influenced by financial situations and credit.
“Oh, Luna, you're just an incredible, what a catch you got here.”
Job Loss and Financial Consequences
1:13:40 to 1:15:30
A conversation about job loss and its impact on financial stability.
“Again, this can be a tool to be used, and you're doing it.”
Student Loans and Financial Education
1:15:30 to 1:17:20
Discussing student loans and the importance of understanding loan obligations.
“Well, everything compared to Idaho is down here.”
Gaming Expenses and Financial Choices
1:17:30 to 1:24:00
Discussing gaming expenses and the financial choices that come with it.
“Steam, going in and getting some energy drinks probably.”
Student Loans and Budgeting Reality
1:24:00 to 1:25:00
Learn about the implications of student loans while budgeting.
“You're in school now, so you don't have to pay on these.”
Assessing Financial Habits
1:25:00 to 1:28:30
Discuss various financial habits and spending patterns.
“You're paying for F***ing AI Well that's okay if it's a tool for work but you just grill things, so I don't...”
Income and Debt Analysis
1:28:30 to 1:32:06
Examine income sources and debts to highlight financial issues.
“I didn't know she overdrafts on her account.”
Critical Financial Advice
1:32:06 to 1:33:01
Receive urgent financial advice and next steps for improvement.
“You'll never fix this and I don't know how you're not homeless.”
Transcript
Automatic transcript. May contain errors.0:00We all have that dream trip we've been wishing we could go on but too often life or usually price gets in the way. That's why Priceline is here to help you turn your dream trip into reality. With up to 60 % off hotels and up to 50 % off flights, you can book everything you need for your next adventure. Don't just dream about that next trip. Book it with Priceline. Download the Priceline app or visit Priceline.com and book your next trip today. Go to your happy price. Priceline. This episode is brought to you by Indeed. Stop waiting around for the perfect candidate. Instead, use Indeed Sponsored Jobs to find the right people with the right skills fast.
0:40It's a simple way to make sure your listing is the first candidate C. According to Indeed data, Sponsored Jobs have four times more applicants than non-sponsored jobs. So go build your dream team today with Indeed. Get a$75 Sponsored Job Credit at Indeed.com slash podcast. Terms and conditions apply. To watch episodes of Financial Audit a week earlier, check us out on YouTube. You are not able to define what is going on in this relationship very well at all. Because last time we had a big fight was a couple weeks ago when she started talking to another man. It was an old friend from high school.
1:14You didn't make it sound like a friend. He can check my phone because I know he has his doubts. But it did happen a couple years ago. It's the same guy. She sent him in 2023. She told me she's only talked to him on Discord, but that's just the voice. She still talks to him on Snapchat. chat. And all of the messages are where you can see them because I made it that way. Dollar wise is finally here sending waves to the personal finance world. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download, but only through March 31st, take a free three day trial to test it out.
1:55And then you get the monthly plan at a 33 % discount for the first three months or the annual plan at an insane 50 % discount. And with the annual, you get my budget-friendly cookbook and my brand new 30-day detailed budget meal plan signed by me and mailed directly to you. After March 31st, the cookbook is going away forever, so this is literally your last chance. And if you're feeling extra sexy, become one of the Founder 500 purchasers to get my Founder box featuring a bunch of goodies plus lifetime access to DollarWise Premium. Don't miss the opportunity of a lifetime. Download DollarWise and start your free trial.
2:23Go to DollarWise.com or click the link below. My name's Luna. I'm 23. I'm Alphonse. I'm 29 from Tulsa, Oklahoma. And this is Financial Audit. Thanks for coming down to Austin, guys. What do we do in Tulsa, Oklahoma for a living? Let's start with you, Luna. I work in a fast food restaurant. Okay. You do have fast food restaurant vibes in you. I don't know how to explain that, but it's like if I pull up to the McDonald's, you'd be the one white out of all the Mexicans? Not quite McDonald's. Okay. You don't want a sandwich one. And that's okay, right? I'm assuming. It's drive-thru based. Drive-thru based.
2:58Okay. Solely drive-thru. Like drive-thru stalls. Uh-huh. Gotcha. Okay. What's your position there? I'm a shift manager. Okay. So maybe making some money. I tell people what to do. Hopefully that's a little more money. Oh, I see. We got a cute couple shirt. I didn't notice this when we were in. Yeah. Hopefully we're in love then. That'd be good. I don't want people on who aren't in love. So what do you make in this position? Right now I make$15.25. Well, it's also, it's not one of the more expensive cities. So 1525 certainly stretches further than like 1525 in Austin or Dallas or Atlanta. So, okay, 1525, how many hours a week do you get in?
3:3835 to 40. Why is it 35 to 40? Why is it not 40? You're the schedule manager. Schedule yourself for 40. I have a manager above me that does a schedule, and we're not supposed to have overtime technically. So she tries to schedule. She schedules 40 hours, but we have to take breaks. so if I don't take all of my breaks I get closer to 40 if I take all my breaks I get closer to 35 I get paid every week and what's that hit? it hits on Friday 440 a week 430 a week 430 a week is actually kind of brutal 52 divided by 12 I'm going to say that's$1863 a month net average some months are longer more weeks some are shorter Her health insurance is overexpensive compared to other places.
4:29She's getting screwed with health insurance. Are you guys not married? Not yet, no. Are you getting married? How long have you guys been together? I've been together five years. I proposed officially last year. We're engaged. Yes. Congratulations. When are you guys getting married? We don't know yet. Okay. We've got to figure out finances first. Financially first. Well, I would say so because$1 ,863 ain't going to make you very far. So, Mr. Alphonse, you better be making a shit ton. Please tell me. What do you do? I'm a line cook, part-time. You also look like that. You guys look like your jobs.
5:04Yeah. I don't know how this is possible, but you look at your job. Well, that's good. What kind of line cook? If you love cooking, what kind of cooking are you doing? Burgers. Okay. Is it like an Applebee's? Yeah. Type, yeah. It's Chili's. Hi, welcome to Chili's. Oh. Same thing. They're the same exact thing. Yeah. Hey, if you love cooking. I do. It's not the place I'd be because isn't a lot of it like frozen? But that's okay. I respect you. Yeah, Chef Mike has used a lot. He's our best chef. He's used a lot. If we need more time away from each other in doing work, we do DoorDash. If you need more time away from each other.
5:37Yeah. So we need more time away from each other than the people that are engaged. If we need time to cool down. Maybe that's why we haven't gotten – cool down. Are you guys fighting a lot? It depends on the week. But yeah, there's some things that she yells at me about and I yell at her about. Yell? Yeah. That's not necessarily the greatest. It's not too bad, but it's not great. It's not too bad, but it's not too great. That meant absolutely nothing. So our finances is what's putting the strain on it the most. Well, I would say so. That's why you're here. Yeah. Before you have to say that yourself.
6:07What do you make in this position? I make$15 an hour and I work three days a week because I am disabled.
6:19I have a broken knee. I have a chunk of my kneecap missing. Why are you working a standing up job? Because it's the only thing I can get. I used to work as a forklift technician, and I lost that job because I needed knee surgery. But you already had it, right? Yeah, I had it last year. Get a forklift job again. I actually went there yesterday or today. Well, same place, but Tulsa's not a micro dick town. I'm sure there's other places with forklifts. Yeah, the place I used to work at is one of the biggest forklift dealers in the United States, even the world. They offered me the best benefits and the best dollars per hour.
7:02For Tulsa. Well, three days a week. How many hours are you working, though? What's your pay? About$300 every two weeks. That's why there's DoorDash. That's why there's DoorDash. Then just do DoorDash, dude. All the time. It would be great if... $300 every week. It'd be great if people would order more. Was it$300 every week or every other? Every other week. Oh, fuck dick. Okay, so it was$600. What are we even doing? That's not even money. It's not money, but it's what I can do. It is what you can do, but you can also do customer service sitting down. It's better than when he was in his recovery and not working.
7:42Oh, yeah. I was on employee for six months after the surgery. Well, yeah, but were you on any kind of disability? No. Why? They denied me because I can quote, quote, work. Even though you're recovering from your surgery? Yeah. Yep. Because, yeah, Social Security does not want to pay out. Okay, well, they pay out a lot to a lot of people, so I don't know how you f***ed that up, I'll be honest. But either way, you're like the first person in the history of financial audit to ever get denied for any kind of benefit to have for your entire life. I went to the VA yesterday, and they also denied me.
8:10VA? Yeah. You were in the military? I was. What'd you do? I was a helicopter mechanic. Okay, that's kind of cool. It was cool up until I was discharged. Why were you discharged? Medical reasons. What medical reasons? Bronchitis. And because Obama was making cuts in the military, they used that to discharge me. Cuts in the military? Have we ever had cuts in the military? What are you talking about? Obama made the most cuts in the military and they were actually starting to... Are you sure budget cuts or they were just relocating where money is? I'm pretty sure we only ever increased military costs in this country.
8:43I mean, mostly... I mean, I need to fact check myself, but that is... pretty much what we do. Yeah, no. Don't ask me out. When Obama's office it was about$800 million for the military budget and then when Trump took office it tripled to like$3 trillion for military budget. What? What are you talking about? So when... We don't have a$3 trillion military budget. Pretty sure we do. I'm pretty sure it's like$800 billion and like for the first time ever he proposed a trillion dollar one. Sometimes, yeah. It's litism. If I'm wrong, I'm wrong. Also, the bronchitis, was that due to the military? Yeah.
9:22So when I was in Virginia for training, I ended up getting pneumonia, and I pushed through it, and it transformed into bronchitis. Okay. And the VA, well, what did you try to claim disability on with the VA the other day? This is the first time in history. Yeah. I went there to use my GI bill because I'm going to school for cybersecurity. Well, thank goodness. You do have to do something. I'll get you a course career certification in cybersecurity. So I'm going to online college half-time to get my cybersecurity degree. Half-time? Why are you half-time? You're working nothing. Why are you only half-time?
10:03Work full-time. What are you doing? So between DoorDash, Chili's, I would just stop the Chili's things. They're paying for my college. Really? with your like five hours a week? Tuition assistance, yeah. You just have to work there for a minimum of 10 hours a week to qualify for their tuition assistance. Not bad. Go for work for Chili's, guys. Yeah, no kidding. So when they told me that, I was like, hell yeah, because my brother is in cybersecurity. He was in Air Force for seven years. So he makes$115 ,000 a year working for Microsoft. That's what we need to offer to rent. So he told me, it's like, dude, if you can't work because you're a need, go into cybersecurity.
10:37So I was like, hell yeah. Hell yeah. Hell yeah, brother. So when Chili's told me they do a tuition reimbursement. I decided to do that. And it's about, for tuition, it's like$1 ,000, $1 ,200 per semester. Okay, well, the reason you guys get in each other's throats, though, is because you're not paying rent. No. How do you not pay rent? Don't you want a roof over your head? I think you want a roof over your head. You can't just not pay rent. I don't choose not to pay rent. Well, kind of. Maybe. What's your rent? $800. Then you choose not to pay rent because you guys bring in$2 ,500 before DoorDash.
11:10So you're choosing not to pay rent. $2 ,500? I don't care what it feels like. That's the number. You're choosing not to pay rent. F*** you. What are you talking about? Asshole. You are choosing not to pay rent. We have been able to pay rent up until this month. But why? That doesn't make any sense. It doesn't make any sense. He had to get his car registered. It was$600. Wait, but you've gotten VA support. You got your rent paid for three months. For the first three months. Oh, for the first three months. Okay, well, there you go. So you have gotten support. It's not like you're just on the f***ing hook.
11:35Like we're just leaving you to dry and die for what it's worth. And now you can't pay rent even though, I mean, listen,$800 for your guys' income, it's not absolutely great percentage-wise, but you could pay rent. So between our car payments, our car insurance, with all the utilities. Bullshit. Specifically. And? Oh, we eat out a lot. Well,$1 ,000 actually last month. You can't pay$800 rent. Fuck you. You think you need, listen, maybe you are entitled to certain benefits, but let's just get away from the entitlement for a second. You don't need that to pay your rent. You're not entitled to that for your rent.
12:15You don't need that. You're spending$1 ,000 going out to eat and then not paying$800 rent. You're choosing not to pay rent. You should get evicted. Honestly, I don't want anyone to get evicted. I don't want people to be on the street. So maybe you should be because you're spending$1 ,000 going out to eat when you're not paying rent instead. The reason we get out to eat is because we don't have an oven that works. And why do we not have an oven that works? You know Chef Mike works real well. You use it all day at work. Come on. You're not going to do it at home. Yes, you can. Absolutely. You can get that pre-prepared shit.
12:42Absolutely. 100 % literally. Our stovetop works, just not the oven. Stovetop works? Then what the f*** are we doing? You don't just have to use oven. By the way, if you're cooking like really good fresh food anyway, stovetop typically does it unless you're getting like, what are you doing? Induction stove. Huh? The induction stove. It's all electric. Like what the f*** is that? What are we crying about? We love a good flame. Yeah, I would love a flame. But you don't. I don't. Nope. Cook it on the stovetop. Boil your eggs on the stovetop. Cook your steak on the stovetop. Between working. What do you know how much groceries are?
13:19Yes. They're expensive. They're not as expensive as going out to eat. They're about the same. No, they're not. Not even close. We do the math. We check it once a quarter. Fuck you. Fuck you. You can do$300 a person with meal prepping. that is$600 a month that you guys could spend. You're doing$1 ,000 going out to eat. And then you get groceries on top of that. So go f*** yourself. I don't even think you guys did grocery shop. I don't even have grocery shopping. No, we don't go grocery shopping. Then you can't tell me, it's expensive, it's the same amount. You don't know what the f*** you're talking about.
13:56And you haven't had an oven since you guys have moved in, which means you're not even working to even try to get an oven. Him and Facebook Marketplace. That's where we got our oven Yeah we got it for free off of Facebook Because the motherboard doesn't work You guys eat out every f***ing meal That's actually crazy You're literally crying about not being able to pay rent Oh victim me But then you eat out every single meal F*** you Your priorities are whacked That is on you And then it breaks down into arguments What are the arguments? Go ahead Take me through one What goes on in this household?
14:24How are finances communicated? What gets to this big fight That you guys have to cool off? Usually he forgets about one of his bills And then he cries about it as soon as he finds out? Well, he seems to cry about everything that he's irresponsible about. I focus on all of the main bills. With my paychecks, I pay the rent, utility, gas, electric. You do not, in fact, actually, I would suggest, but continue. All of the main bills is focused on I pay all of that with my paychecks. Incorrect. Well, first of all, that's impossible. If you make$600, you can't pay an$800 rent. That's just silly. What the f*** are we talking about?
14:58I'm making another almost$800 ,000 a month doing DoorDash. Okay, with the contractor taxes you need to set aside, by the way, and then gas and maintenance that are not included in that income. I include gas, but not the maintenance. Okay, well, maintenance you probably should, because you are putting wear and tear on your vehicle, not just tires. Mr. Late to get his oil change by like a thousand miles? Because we can't afford it right now. Okay, every time you say that, I will ring up that you spent a thousand dollars going out to eat. That is a lie. An oil change. What's an oil change? Go for it.
15:30I haven't had one of those in a second. If I do the oil change myself between the oil filter, the six quarts of oil. If it's just yourself, then what the f***? Why are you not doing it? You're a handyman. Do it. I don't have. So when I do it myself, I go to my buddy's house because he's got the ramps to do it. But since we moved, he lives an hour and a half away. My f***. You just told Colton this morning when you guys got your, you haven't even paid a single bill that was due last month. Utilities, rent, cards, everything. All while you're going out to eat. This is disgusting. This is disgusting.
16:08Unknown spending. An additional unknown spending. We don't know exactly what it is because it's at a place that's hard to tell if it's bullshit or not. And now that you guys said you don't get groceries, I know it's bullshit. That's an extra$700 of bullshit. And plus all the large purchases,$600. You spent minimum on bullshit$2 ,200. $2 ,200 in one month where you're choosing not to pay utilities, rent, credit cards. You. You, irresponsible. You say you work so you take care of the bills. You didn't take care of the bills last month. We're in this month and you didn't even take care of last month.
16:39What are you talking about, big man who shows up to pay the bills? No, you're not. This month, though, we haven't paid yet. Everything this month is paid yet. Why? I have your spending. You guys are a joke. What's your thoughts on this? What's going on here, woman? I'm just wondering where the money is going other than food. Why don't you know? Why don't you sit down and look? Why don't you guys communicate? Take the bills, put them on the table. Look. Ever feel like your brain just won't click? Onnit Alpha Brain is a daily supplement engineered to support memory, focus, and mental speed. Made with science-backed ingredients, Onnit Alpha Brain helps you lock in, tune out distractions, and stay sharp.
17:15See what your brain can really do. Visit Onnit.com and shop Alpha Brain to unlock your next level. That's O-N-N-I-T dot com.
17:51She just said she knows where her money is going. Yeah, because it's going to fast food just as much as mine is. What is the fight? I'm confused on the argument. I usually use my cash tips for our food. So there's additional spending then outside of this. Your back account is just as bad as mine. Amazon? Steam games? What am I, Amazon? You get more stuff off of Amazon than I do. No, we would buy the same on Amazon. Last time I bought something, it was Gamer Subs. So... The last time you bought something for people other than your cell phone or Amazon when we're struggling with bills. That was one thing and it was Christmas.
18:36It was more than just Christmas. When you have two friends that you bring up from your past, you buy them things just as much as you buy yourself things. and when it comes to after you pay your bills, which is a lot of loans, once you pay those off, your money will go to food or your hair dye. I haven't bought hair dye in a year. Or it would go to fast food just as much as mine. It goes fast food. Like you're just as guilty with fast food as I am. I'm not saying I'm not. What are you saying? What gets to the fight? I'm confused. I'm still confused. Where the money, because even though his bank account used to be our shared account, but I took my card that I used for that account and opened my own account.
19:30What is the fight? I'm still confused. You say you guys blow up, fight, and have to spend time away from each other. You are not able to define what is going on in this relationship very well at all. Because last time we had a big fight was a couple weeks ago when she started talking to another man.
19:52And that's one of the recent fights we had. Another fight we had. No, no, no. Hold on. No, you are not going to brush past that. What the f***? It wasn't. What the actual f***? It was an old friend from high school. I told him You didn't make it sound like a friend I have told him all conversation will be in discord so that he can see it I have told him he can check my phone because I know he has his doubts about whether something's gonna happen I've told him it won't Told him it won't It's weird that we're even having this conversation Nothing's gonna happen But it did happen a couple years ago.
20:38It's the same guy.
20:43She told me she's only talked to him on Discord, but that's just the voice. She still talks to him on Snapchat. Whoa! Okay. And all of the messages are where you can see them. Because I made it that way. Oh, what the? Yeah, in no way whatsoever would any guy or gal want this person in the picture of the relationship. Wait, you guys have been together five years. Yep, since 2015. And she f***ed them two years ago? She sent them nudes in 2023.
21:18So the reason she has her own bank account is because we separated for a few months after that. And so we ended up having our own separate finances. I don't think it was the finances that needed to separate after that. Well, because we separated a couple of months. What the f*** is wrong? Why'd you do this? I low-key don't even remember. No, that is some bullshit. Two years ago, sending dude your f***ing tits and puss and hole, and you don't remember? You're just telling me you can't remember? Whole deflection and refusal to take accountability. Bullshit! How do you not remember? This is one of the defining moments of the relationship.
22:00And now you're talking to this dude again? And you're telling me you don't remember? I don't even remember what happened yesterday. Oh, shut the f*** up. That is some of the dumbest bullshit excuses that anyone could ever say. What the f*** is wrong with you? Why did you do this? And why are you talking to him again? Again! Lady, why? What the f***? I would blow the up too. You suck with money, so you download a budgeting app. You start with the classic one, Wynab, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar, that's Dave Ramsey, the personal finance guy, right?
22:39Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they wanna sell you in the end? Then there's the new guy on the block, Monarch. hundreds of millions of dollars of private equity raising so far. I'm not insinuating Monarch will do this, but private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise, built by these people just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is.
Read the full transcript
23:13Download it now, start the free trial, DollarWise.com. Link in the description below. 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 dollars 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 dollars right now in your checking account.
23:50I try to set boundaries with him. I told her that she can talk to him as long as... What? She told me... She wants me to trust her. And so... How? He sent her... Yeah. Hold on. By the way, I have absolutely zero confidence based on what she is using for these excuses right now. Oh, she's pissed. I can see it. She didn't know this was going to come up, did she? I can see it on her face. No, she did not. Oh, she's cooking. Okay. Yeah. So... Rip. I mean, hey, maybe don't, like, Like she, I mean, being open school, that's fun. We love a good open here and there, except you weren't. That's the thing.
24:24I have zero confidence in the world right now. Zero confidence in the world with her. I can't remember what happened yesterday that he did not stick it in her. So there was a physically impossible because he is currently in the Navy and stationed. Yeah, but how long was it happening? That I don't know. All I know is when I found out the messages, it was after the fact. I was in dive school. Oh, it's because you went through her phone. Yes. Oh. I found out going through her phone. You had a suspicion. I did. So the whole thing was... Hey, why are you a cheater? I would like to tell the story. When I read through the messages, it happened while I was in dive school.
25:06She was lonely because I was focusing on dive school and wanted something else, wanted the attention. so she got the attention from two different guys and sent them both the nudes to get something because she offered too. They didn't ask. She offered.
25:29Are they even good? To me, they are. Okay. And apparently to them, they are because they saved it in Snapchat. That's how I found out because they saved it in the messages. Have you gone through and deleted those? It's saved on their end. I can't she can't on her she can't delete them because they haven't saved so I can it's still safe to this day and I told her I asked her why she opened that door because she told she asked me why don't I trust her and I said because it happened with him is that your phone? yeah unlock your phone she talks to him on Snapchat and they all they do is send pictures and I have a set where the picture is saved in the chat and it's just It's just pictures.
26:12There's no text. So, and you're okay with this. I told her that I don't want her texting him on Snapchat. Oh, dude. He's a boy, dude. He's a boy. And you're allowing this. Look at this. He sent a blur the name, blur the name, please chat. He sent a, okay, I'm sexy. Kind of want to type of picture. And she sent a sexy. I want to fuck the picture. Dude, you're getting cucked right now. Okay. Why are you sending this to him? Huh? Why is this being sent? You can go look at all my other friends. I send the same pictures in streets. No, it's just you guys sending back and forth. This is not weird. It is weird.
26:49I asked her why she does it. She said she doesn't know. What the? But they sent news back to each other. Sorry. They sent news back to each other. They're just sending devil-horned photos of their faces back and forth. Yeah, she thinks it's funny. Funny? She thinks it's funny. Oh, that is such a cop-out. That is such a cop-out, too. I get wet every time this happens. Don't fuck with me. Come on. You tell me you don't get any, you don't want anything from him. No. Bullshit. Maybe back then, yes. But as of right now, no. I don't believe you at all. You guys are just sending back and forth. That's all they do.
27:26But she does that with all my friends. She does that, um, she doesn't, the other friends, the other friends don't do the same thing as, so she talks to two people. Her friend Cass that she used to fuck in high school. He's sending shirtless photos. That's from two years ago. Look at the date. It doesn't matter. He's sending shirtless photos two years ago. You know what was happening two years ago? You guys were dating.
27:54Yeah, that's most of the voice that shit I've seen. And no offense, but I mean, you're kind of fat. I am. But me too. And she's texting this military hunk, you know, and she's sending like you know this yep and stuff that's why we had the biggest fight because i don't trust her it's all men men men men man she's sending no this doesn't happen this does not happen with normal people there's no women friends in there there is no no no do you stop yourself right now for a second you stop yourself right now there's three women there's there's There's There's Who's a man There's There's Finally Is a woman Then there's Are you daddy?
28:39I am daddy What the fuck? Is this allowed? What the fuck? Is that allowed? Stop Is I know for a fact a woman That is her best friend Which ones have received nudes in there? Uh It was It was Believe Who? Who? Who? This guy? No Oh, yeah. The guy that you, okay. I'm R.J. Decker, a private investigator uncovering the sunshine state's darkest secrets. Tuesday, it's the premiere of ABC's hottest new crime show. R.J. freaking Decker as I live and breathe. He's a private eye. It's not a standard murder. It's someone bigger. And a public mass. Trying to get sent back to prison today? You go to prison one time and suddenly it's all the jokes.
29:25R.J. Decker, series premiere. Tuesday on ABC and stream on Hulu.
29:58Snap. Huh? Snapchatting? Is that the word you're looking for? Yeah, she snapped him. She's still snapping him now. Who else in here? Those are the only two. Those are the two. Well, good news. They're not in chat anymore. Did you force them to delete them? That is a girl, girl, girl, girl, girl, girl. And then the rest are dudes and two of them you sent nudes to. Girl and girl and girl. Yeah, but two of them you sent nudes to. Do you not get that? Do you not get that? Guys, chat, am I the only one here? You're actually okay with this somehow. I am not okay with it. Then why do you allow this? I had cut them out.
30:44The way you talk to these guys is crazy. I had come to him and I said, these people are my friends. if I don't send messages to them and talk to them in Discord only? They're your friends that you sent nudes to. Are they your friends? You sent nudes to them. Are they your friends? You sent nudes to them. Nudes to them. Nudes. All these men. All these men. When we had the fight, I told her the only way I would trust her is if I can see everything. And this is why I sent in the chat to every picture they sent back and forth get sent into that chat for me to look. Draw the line, man. And I told her like any texts that needs to be on Discord or text.
31:26But yet she still sends texts to him in the Snapchat. Why'd you send nudes to them two years ago? Two people at the same time. And I have zero confidence she did not take any other dick. So, sorry, spam call. I can show you exactly what the link is. The link? Not going to click on it, but. Oh, F? It's a fan view. It's what started before. A downgraded OF. You had OF? Used to. This is a used to? Oh. Don't. Yeah. I get it. Okay. Okay. I see. I thought you were clicking a link for him to pay. So what is this? Do you do this anymore? No. Is it deleted? Yes, I deleted it. It's not deleted. I swear I deleted it until you count.
32:13Last month, I opened, I went to the website to see if you're still uploading it. And you haven't been uploading, but it's still there. I thought I deleted it. I mean, you have an uplink, so I didn't bring it up, but it's not deleted. I don't even remember the login if it's still active. That's saved. Your login is saved. It is? It's saved in the browser, yeah. That's how I was able to log into it. That's news to me. Why the f*** is it still in chat? It's saved on his end. I can't get rid of it. Why would you not request to delete it? If he's going to be able to chat with him, why not request to delete it?
32:48Because I... I'll do it. I forgot about it until he brought this conversation up. When she started talking to him again. When I started talking to him again. You brought it up to him? So the way I found out she's still talking to him is I came home from work and she was on a Discord call with him. Ah! Ah! Ah! How does that not make you just walk the f*** out? There was also a camera sitting right behind my shoulder in the corner of the room. that he has access to so he could hear the conversation. No, that's such a get - Oh my, I don't know. I don't know. Colton, if your husband did this, fiance, no, not a chance, right?
33:30Not a chance. So I told her that, I asked her why is she even open that door again. Okay, I mean, this shit's crazy. It is crazy. This shit's crazy. I mean, I'm sorry, that shit's crazy. You sent him tits and vagina. You sent him tits and vagina. vagina it's not even just tits pussy pussy we had a whole fight and you would think so and then this is happening again now how can you trust each other i'm sorry to bring it back to finances how can you trust each other finances if she's talking to a guy that she sent pussy pics to who by the way again and she didn't even say no i didn't when i brought up the two people i have zero confidence she did not stick it in once those people she's never i haven't Okay, aunts, this is, because it'll come out at some point in a relationship.
34:20This is the time now. This is the time. I know you want to lie. I know you want to lie. I'm telling you. And you have beautiful blue eyes. I'm saying this as a compliment right now so that you could, I don't know. Trust me for a second. In the five years, have you never once touched another man's penis? Do not lie. I don't believe that for a second. I really do not. I am telling you, I have not. How many more people have you sent pictures to? It was just those two. But why would you? Pussy too.
34:51I don't get it. He was away at dive school and. So that's an excuse? That makes it valid? I'm saying it doesn't make it valid. I'm saying that. Like, I don't know why, but that's how it played out. You don't know why? You don't know why? What do you mean? two guys at the same time two guys at the same time hold on, hold on, open it again oh, okay, it's still here I was like, did you turn it off? yeah, well he's sending shirtless photos and then you said nice, he said thanks and then you sent oh, then you just sent the link out of the blue would you support me? what is it? look at it, Google's been done won't let me sign it, okay, I'll send you a screenshot of it okay, damn, okay you good, I'm just a worker now I'll check it out later And the other guy, where's the other guy?
35:46Who is it? This is crazy. Do you even send him nudes? Oh, yeah. All the time. I get the better ones. You do get the better ones. Okay, I don't think this person has to save them anymore, does he? I don't think he does. But I found out, but it was in there when I looked. Also, did you lose a lot of weight? I've been between 110 and 130 my entire life. Huh. I think it's because she got taller. She was, I don't know. Were you dating her, 12? No. She just got taller? I got like a couple inches taller. Have you ever been with anyone else? During the relationship? No. I have not. But he has talked about an open relationship.
36:39Well, that's okay. Talking and proposing is different than doing something without the consent of the other person. There's nothing wrong with open relationships if done properly and healthily. I didn't bring up open, but I brought up bringing another person in if she was interested. Wait, that is bringing up. You cannot equate bringing up to sending pussy to two individual men. Vaginal holes. Holes of the vagina. Tuckle lips. And it was hairy. And they were there. And they saw them. They did. what the how can there be any trust in this relationship relationship uh we yeah i guess are you surprised i guess you guys met via dnd party where she was already dating someone else in the group yeah oh and she left the guy and you before they even broke up no while they were together she you yeah and you're surprised that she's potentially a cheater she was you while dating the other guy.
37:34So the only reason... Oh my goodness. She, when we she told, she didn't say that she broke up with him until after. Wait, what the... Oh, you can, this cannot be, this episode is the f***ing scene. Oh my goodness. Yeah, I wouldn't combine accounts. I wouldn't be anywhere near... You might be a pleasant person in a lot of ways, but you're a cheater. I'm not going to deny it, but I have changed. Okay, but you've done it consistently because a co-worker of his gave him a warning and said that you were cheating on him and slept with her co-worker's boyfriend, his co-worker's boyfriend. And I can tell you exactly what happened with that situation.
38:19That was mad that I was doing better at my job and that our manager preferred me over her. 15 an hour at a fast food place. It was a different job. That was the job. Coffee shop. I don't think she was that jealous enough to try to destroy a relationship. She was. Because she moved down there specifically for the manager position. And I was doing better at it than her. And who do you believe? I believe her because I had a friend. Which her? Really? My girlfriend, yes. So literally a coworker in a relationship told you that the person who is a serial cheater from her ex and to you. So the reason why I believe her is because I had a friend do a, basically he was a PI.
39:15I had him be a PI and verified everything. PI? What? That she didn't go over again? That doesn't mean it didn't happen. PI can't do past. Other than if there's an entire archive online of them tweeting about, yeah, I took this dude's dick. Dude, I'm sorry. So I was sent a video. You don't want it to be real. I was sent a video. The chick that was trying to break up a relationship sent me a video of her boyfriend f***ing another girl. And yeah, she sent me a video. Hold on, that was another girl. Sounds like he's a cheater too, by the way. Yeah, no, he was. He actually gave her the clap. Because he was f***ing like two different women.
39:55And I even... Okay, it's coded. Because... That late, that girl. That doesn't mean they didn't. If she's a cheater and he's a cheater, I feel like they likely cheated with each other. If he had the clap and they, she would have given me the clap. No, no, not necessarily. One, not a guarantee of spread. Two, condoms. Three, I was just saying she never wears condoms when she cheats. We've never used condoms. When she cheats. And three, maybe didn't have the clap yet. That doesn't mean you have it your whole life. At the time. So when all of that happened, And I know that the video I was sent wasn't her because the chick was too big.
40:30You wouldn't admit on a show that's being watched by a million people that you've ever taken a penis. So I don't blame you. But I've seen a lot of things on this show. And look at your history. Maybe you haven't in the last year. But you can't say three years ago you never have. Not once. Come on. It's in the past. I seriously have not gone and anybody else. You've sucked a dick? No. You've given a handjob. No. You've kissed someone. No. I don't believe you, but that's okay. I have nothing more. I have pictures from those instances. So the only ones that he caught are the only ones that happened?
41:09They are. It's interesting that that's convenient. I will say the reason why I believe her, because those are the only two guys she's had a connection with. Lies? That's impossible. She's literally Snapchatting like 10 men right there I just saw. These are coworkers. But also even still. Do you think coworkers in fast food and restaurants do not? That is what they're known for. That is literally what they do to get through shifts in meth. That is it. Especially in Tulsa. Dude, I think you are blissfully ignorant. I'm just going to let you know. And I think it's because has he struggled with women?
41:45You can say that, but. You're out of his league. I think he's kind of struggled with women. I think he doesn't want to lose you. He's his fiance. I don't. I don't want to lose her. but the fact that I believe her doesn't have anything to do with her I mean it does but I don't have a reason to believe that she did statistically people are most likely to cheat on well with co-workers that is where and she's snapping them okay open one up of a co-worker random just show me a co-worker actually I'm not gonna no let me pick I was gonna open snapchat for you okay so which one's Tia co-worker he is an old co-worker from when I was in Louisiana.
42:23So about eight and a half years ago. I will say 99 % of those people are just streaks. She just sends streaks to them. Nothing else. Recent co-workers. Conveniently, some of his previous snaps that are saved have now been recently deleted and unavailable. That is her ex-girlfriend from high school. Girlfriend. From high school. Vaginal connection girlfriend. Not that far. But girlfriend, girlfriend? We kiss. And you're snapped. But that's about it. Oh, you are a cock. You are a cock. Yeah, she's sending sexy picture there, sexy picture there. Okay, come on. Tattoos, tattoos, tattoos. Come on. Lesbianism.
43:11Sexy picture, sexy picture. Showing her belly. Come on. You're getting cocked. Okay, what about? He is not. a co-worker. He was from one... None of them are co-workers, dude! He was one of the other ones from high school. Guess what? That I talked to. No, I think... Isn't one of your old neighbors? Yeah, he was also a neighbor of my grandparents. Yeah, what'd you do in 2021? Because you asked them what Korean dish you guys just made together. Smoked weed and made Korean dishes. Yeah, with a ex-high schooler. What the... I think the he was a neighbor that she grew up with. Oh, even better. A guy neighbor that they're slacking.
43:56What about... He is an old co-worker. Oh my gosh, none of them are co-workers. Every person I... He just transferred. He just transferred. Every person I call out, dude. Every person I call out. Every person is not a current co-worker that I've called out. Oh, they rode to work together quite a few times. Yeah. She's done that with multiple co-workers. She rides to work with her male co-workers. multiple times. They don't have cars and if the manager on shift currently before I go in can't do it, somebody has to.
44:33I don't know if he's going to answer. If budgeting apps make you feel like this is for you. Most people who struggle with budgeting aren't 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.
45:07The stress isn't coming from your spending. It's coming from having zero clarity and using tools that turn money into a failing grade. Have you ever thought, I just want to know where my money's going without being judged for it. You're not alone. That's exactly what we built DollarWise. If you want a calm and clearer way to see where your money is going, try DollarWise. Download the app today and get a three-day free trial. No setup nightmare, no manual tracking, no pressure to be perfect. Just connect your accounts, see where your money's actually going, and decide if it works for you. Click below to download DollarWise and see if this helps you feel more in control without the stress.
45:44And if it's not a fit, cancel anytime. Starbucks is bullshit 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. And 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 gamersupps.gg or click that link in the description below.
46:25Type in code Caleb. There's no way he just did that.
46:34What about? This is from a previous job. He is my only contact with that job to have been able to get my tax forms. because I can't On Snapchat? You call I did call him I only had his Snapchat This is so fucking weird Just fucking remind me He is a current co-worker Although I think he's at work right now so I don't think he'll be And also, I mean, come on I'm just being objective He's a very attractive man He is not Okay Okay, well maybe We went over And he was? An old co-worker from eight and a half years ago I don't think he's getting an answer either I don't think so Because you guys only do streaks Yeah Most of them we only do streaks He's in like one in the morning and one at night I think that's about it This is weird And the fact that you're okay with it I guess Because I trust her Based on what I have no idea but it's because you are afraid of being alone, let's be honest.
47:42So, Alphonse, you've also told Colton that apparently there's a girl that you were suspicious of that she hooked up with in high school. That's what I told you. Okay, have you f***ed a woman since you guys have been together? No. But you said you want to bring her in. You told Colton, you said you want to go hang out with her. Oh, she wants to go hang out with her. In Louisiana, yes. You want to go hang out with her? The woman that you had past relationships with. I also have family over there. Yes, but you want to go see her and hang out with her. Buddy, I'm sorry. Come on. Come on. She, since that incident in 23, and we had her fighting out, falling out and everything, she did build trust.
48:31Or she's better at hiding. No. She's a serial cheater her entire life. I don't believe shit. But once you're a CO-cheater, you're on a CO-cheater. Between SnapMaps and Live360 and she hands me her phone all the time and I'm allowed to use her phone, it's just there's... When you want your spring break to feel like... And your kid's pool day to feel like... And your hotel bed to feel like... And room service to feel like... Because at Hilton, hospitality feels like... Your cabana's ready. Would you like fresh towels? It matters where you stay. Book now at Hilton.com. Hilton for this day. Why are you able to see exactly what happens when she drives with her male coworkers to and from work?
49:21Because that's all that is. Uh-huh, that's all it is. No one's ever given or gotten roadhead or touched once in their lives. What do we think the household financial score is? Oh, like a 1 or 0.5? Mm-hmm.
49:35probably about the same okay if you want your hammer financial score take the assessment for free at calebhammer.com you can see where you stand in the world of money where are you doing great where are you doing poorly what you need to do to improve make sure to download if you don't want to be like a guest who ends up on the show the new and improved dollar wise budgeting app it is incredible it is taking the budgeting app world by storm it is awesome check it out it is brand new and if you take the annual version, which most people do, not only do you save 50 % only through the end of March, but you get my budget-friendly cookbook signed by me mailed directly to you, and then it's going away at the end of March, and you also get our new daily budget meal plan signed by me mailed directly to you.
50:16I can't believe you had to put cameras all around the house just because of her. No, so the camera is just the one in the office because our cat likes to roam in there. Our cat constantly goes on her lap and bothers on her chair. What's this quick credit connect? That is a loan that I have. Why do you have a loan? Because our given - To fix the car to go suck someone's dick? No. To help pay rent and utilities. Oh, so when we were paying rent, we weren't even paying rent. That was when I was unemployed. Which the VA paid for your rent. No, so I was unemployed for six months. The VA helped us move into our curtain house and paid for the first three months.
50:57Wait, why am I being told that you're about to buy a house? Well, because we are. What? You're not paying rent, asshole. How are you going to make that make sense? So we are looking at a house in Mississippi for$45 ,000. And the monthly payments is going to be half of rent. Yeah, Mississippi. Well, I guess you guys don't really have careers, so you could go anywhere. Yeah. What the? For$45 ,000? Yes. What the? What is it? A trailer? It is a manufactured home. Three bedroom. No, two bedroom, one bath. Why are you doing that? Why are you doing a depreciating asset? Just rent. That's even, it's better.
51:35Can't stand renting. Well, yes, you can. And you will. Because it's better. Don't get a manufactured home. Why are we moving to, what are we doing here? Trying to get her away from all the dicks she's used to? No, we're trying to get, I'm tired of renting. Why? This is, dude, so you get a depreciating asset. And you have to rent the lot you're on anyway. No, that we're going to own the land that's on. You're going to own the land? Yes. Okay, that could be the only upside. But a manufactured housing takes a lot of money, goes down in value, and then you have to try to sell it, and it gets... Why is this our dream?
52:06What the fuck is happening here? What are we talking about? The main dream is the land to build our own house. A manufacturer home is just to be able to have a temporary... And how are you getting a manufactured house and land and potentially building a future house when you can't even pay$800 rent without all these loans, without not paying it. What the f*** are you talking about? What the f*** are you talking about? Just because the last year doesn't mean that's what's going to be f*** for the future. Yeah, but it doesn't mean you can't do it now. It was just a year and a half of just f***ed up shit.
52:35But that certainly means you can't get a house now. Between f***ing my knee, between having different jobs, I'm doing the best I can with what I have. Right, savings$171. How the f*** are you doing this? Yes, that does mean you can't do this now. That's a good question how we're doing it. But it's just, it's been happening. I told you you're literally going to do it in like a couple months. How? You have$100 in savings. You've done nothing but f*** up everything for a year and a half. This makes no sense. I'm not saying you can't do it in five years, but how are you doing it today?
53:09Hopes and dreams. Oh, for f***ing. And hopes and dreams she's not cheating on you. That's how you build that trust. That trust is three years of just... Three years of going through DMs and she found a way to get it out of the DMs. Come on. seen this game before. I've had cheaters before and I know them and smell them when I can when they're right next to me.
53:35Why not just open up? You obviously want to f*** other men and that's fine. There is biological desire there and you the open relationship would only benefit her. Yeah, because you can't land. No. You can go to the gym, get some game. Dress better. Yeah, probably. But it's... I would rather stick to what I have. Oh, no, I agree. I agree. I would just draw the line in the sand. I tried drawing a line and she wants to cross it.
54:09But you're the one who proposed open. I proposed bringing another person to a relationship. Why? At the time, it was just stale. and with her being swinging both ways, bringing another woman in a relationship would benefit the both of us. Did you say no? I said that's a possibility. Then what happened? What happened is the conversation got dropped and never brought up again. Why? I don't know why. It was just... My guess is because we got too busy focusing on our jobs and trying to make money to pay our bills. Uh-huh, sure. Back my last job, I was getting$25 an hour. we were living very comfortably in a three bedroom house.
54:50The room is saying having an open relationship takes all the fun out of cheating for her. It is true. It is true. Cheating is a kink for many people. It is. It's kind of crazy. It's forbidden. It's bad. It's naughty. I mean. I prefer more the open thing but it's because I don't want to give her as well. Hurt my feelings. I don't think anybody really wants to unless that's their own kink. Yeah but I think that's what she likes. Is that the thrill of it? No. huh what okay I mean you couldn't even afford to take care of your two dogs you had to re-home them so you're gonna get a mortgage what are you talking about asshole the dude this makes no sense you're literally putting this on a loan and now your payments on here are$211 and 29 cents who knows what the interest is it's horrendous it's already above the original balance you took out of$3 ,000 because you're probably not even paying this I have made three payments on it already And the interest is so brutal that it just f***ed for a long time.
55:50I think the interest is 23%. Oh, my. What are we doing? Why do you guys live the lives that you live? Okay, okay, okay, okay. Oh, oh, fees. Oh, fees, fees, fees, fees, fees, fees. What's CC Flow? It's a line of credit. To help build my credit. To help build your credit? What f***ing credit are you trying to build? You have personal loans and credit cards and bullshit everywhere. What do you mean build your credit? I'm just trying to make my payments on time, build my credit so that I can. You already have debts. Make those payments on time. I am. Why do you need this? Because I originally pulled that out to help with bills.
56:31Oh, there you go. That's the real answer. What's the credit limit on that? I can't see. I don't know. Because if CC flows, the one was$3 ,000, that one was to consolidate, I think, two small ones. So that's what it was. You don't know. Oh, my gosh. You don't even know what's happening. Neither of you know what's happening. A thousand? What? You owe$2 ,308.98. That was the limit that it gave me originally. And then it has refinanced twice. All right. I'll let you use the Fizz card. It's a debit card that builds credit. How about that? Only lets you spend what's in your checking account. Do that.
57:02That's it. You can't do anything else.
57:09Wait. You had a wife? Yeah. What?
57:15you had a wife and so this is why this extra confirms why you're sticking around because you're just afraid of having to go through this again well yeah right because it happened oh no you can't just put up with someone who takes it behind your back why'd you guys break up That's wife. This is early. Yeah, so it was, we were living with her mom, and we had a kid, and it was, yeah. You have a child. Yes. He lives with his mom. His mom that doesn't want him. My ex-wife. Okay. Well, why'd you break up? Because that's even more intense. She divorced me because she cheated on me with her high school sweetheart.
58:04Oh, buddy. Oh, buddy. Yeah. Are we sure this isn't your king? What, me getting cheated on?
58:15Why would I want that? I don't know. Just because it happens to me doesn't mean I want it to happen. So if my life has to restart multiple times because my wife or girlfriend cheated on me, I'm not into that.
58:37I've wanted that when that happened. But she left you. You didn't even leave her when she cheated. She left you. She cheated and left you. She left me for him. You are afraid of being alone. She left me for him and then told my son to call him dad and put me out of the picture completely. She took the house. Did you go to court, dude? No, because... Do you not give a fuck about your kid enough to go to court? I couldn't. What is wrong with you? What do you mean you couldn't? Because I was in a hospital for attempting suicide. Wow, man.
59:11Damn. Oh, my goodness. So while I was in there, she... Then do it later. I'm glad you're alive Let's be clear The reason why I haven't yet Is because If I were to go Now I would lose And there would be no point Why? Because She Already has the kid And I am As you can see I'm financially I wouldn't be able to She won't let him see the kid Without her being there And she doesn't even have The time That's the only reason I want to bring Why? She was just attracted To another dude Why is she being rude to you? Oh no She's more than that So So that guy that she cheated on with only lasted two years.
59:48Oh, my vote. And now she's with a woman. How old is your kid? Oh, my goodness. What is why you surround yourself with the worst women? Eight? That's a good question. Eight years? Your kid's eight? No, my kid was born in 2019. May 31st, 2019. Okay. He's turning seven in May. Yeah. Okay. How long has it been since you talked to your kid? It's been two years. Oh, good death. Because... You guys don't have a kid together, right? No. I was living in Idaho when I reached out to her and she reached out to me. She was living in DFW and told me she was leaving Texas to move to Tulsa, Oklahoma. No, she cheated.
1:00:27She left you. Then she cheated and you won't leave. And now you're – Honestly, if in the post show, Brandon literally just f***ed her, you wouldn't do anything. You literally would not do anything. I would. No, you wouldn't. If it happened and I knew it happened, I'd be gone. No, no, because this has happened so many times and you've never left. The only thing that's happened is nudes. That's the only thing that's happened. If she literally took a titty, sent it to Brandon in the post show, you would do nothing. If it happened now, no, I would be gone. Because it happened once and it hasn't happened again.
1:01:01And I told her if it happens again, I'm gone. $349 of fees. Why is there fees? Why are there fees happening everywhere? I don't even know. What one is that one? This is the CC flow. I just, I don't, I don't, I just don't like, it's like, we're going to go through this, but how will you ever trust each other? I am not trusting. You literally have access to all her messages. I do. That is that bad. Our relationship is in that stage.
1:01:32I'm going to go through y 'all's text messages in the post show. Okay. And every time this happens, it's going to be juicy. I know for a fact it's going to be juicy. Why does this have 145 % interest rate? What is this? What is this loan? Check-in-go loan. It's a payday loan. Yeah. That's been refunded three times.
1:01:59Well, I don't know the fucking worth. I'm going to say it's$1 ,925.44 because who knows? You just keep refilling every time for fucking what? We originally got it. It was to help us buy groceries. And then the next time when I refinanced it, it was for utilities because we had... How much do you guys make on your door dash? I make$450 a week. A week. Okay, let's call that after gas maintenance, everything. After gas is the 320. Okay, let's call it 250 then a week. Okay, and then let's call it 200 after taxes that you will set aside. Make$200 extra a week in actual true after-tax profit times 52 divided by 12.
1:02:42Okay, an extra$8.67 a month. You? I make about$150 a week on DoorDash. Before everything? Yeah. You don't do DoorDash as much as I do. I think it's$150 a month is what you do. You think a month? Yeah, I think a month because you do, when you go DoorDash, it's like once a weekend. I'll call it like$100 then for you. Yeah. Oh, yeah, yeah, guys, you're broken, man. Yeah, it's because she works four hours. Yeah. Well, this is a payday loan is crazy. Payment of, oh, it's twice a month. You're actually making these payments? Yes. The check and go is what she, one of the first things she pays with her paychecks.
1:03:25$148.12 a month at 145 % interest rate. Indigo. I believe and I'm thinking these ones. have horrendous interest rates, don't they? Yep, there it is, 36%. F*** me. What are we doing? It's maxed out. So this is another one of yours. Why do you need a credit builder, dude? What are you talking about? You're already f***ed out. Payday loan. That one I pulled out because... You're not a pullout, dude. You're not pulled out. I got it. You better be pulling out so he's not getting another baby that's not his. $970.91. I got that one to help us when we were moving down here because we forgot to account for how much gas we would need after pulling a U-Haul.
1:04:03Speaking of pulling out, I mean, I'm just going to keep going back to it because this is, again, the trust thing. Answer this question right now. Okay. Hey, let's take your word. You have not cheated. You have not physically cheated. Okay? And you have not sent nudes in three years. Okay? So we're aligned on that word. Yep. And you will not cheat. Like, even if you wanted another guy, you would not cheat. Now, answer me this. If given permission, would you want to fuck other people, men and women? If given permission. If you say yes. One second. If you say yes, it doesn't mean you will without his permission.
1:04:35I am asking with permission. Would you be open to that? I'd be open, but I probably wouldn't take it because the past year, I've been addicted. Addicted. Oh, good. Five years in. Just the last year. Like, I've been off the walls addicted. Why? What changed? More than I was. What changed? That's a good question. How often do you guys... If I initiate, it's once or twice a week. If she initiates, it's once a month. That's addicted? So you would. Come on. If you're giving permission, you would. We were doing once a month. I'm saying giving permission. I'm not saying cheating. Giving permission, you would want to f*** other men and women.
1:05:16Giving permission. Not necessary. I am. I don't want to live your shit, man. Okay. Okay. Okay. Okay. Three years to pay this off. You're addicted is once a month. That's not how I usually define addicted. That was two years, like the past two years before this last year. I was doing like once a month. He just said once a month. Like since start of 2026. Which is a month and a half. Yeah. More. Twice a month. Yippee. No. So the last time she. I have initiated it three times the past week. Okay. The past week. I'm just like, what the fuck are we talking about? Yeah. She got a little horny. It's ovulation window.
1:05:57Great. Not yet What the fuck is going on here Okay someone pull up their Amazon I'm being told to pull up your Amazon You've had a late fee this year Me? It was Indigo Yeah Yeah Like it's nothing You have different Amazons? Yeah Oh Start a screen recording Okay
1:06:23If you want to land a high paying job But don't have experience or a degree then you need to learn about course careers. It is the easiest way to land the high-paying career that you've been dreaming of. I've done financial audits for hundreds of people, and what I've learned is that the single biggest factor someone can take to improve their life is getting a higher-paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high-paying career path. They teach many different in-demand jobs, ranging from technology sales to accounting, construction project management, the trades like electrician, plumbing, HVAC supply chain, and many others that can be done remotely.
1:07:04And the coolest part about Course Careers is their platform works for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry-level job. And they have a 100 % free introductory course for each career that teaches you all about what the job is like, how much money you'd make, and how exactly to land your first job was starting from scratch. Click the link below to sign up for one of their free courses today.
1:07:54and 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. Class. This class again? Don't sit in courses you've already taken.
1:08:36University of Phoenix accepts eligible transfer credits and has a scholarship for transfer students. Finish your degree faster. ...mail directly to you. But after March 31st, the cookbook is gone forever. So this is literally your last chance to get it. And if you're feeling extra sexy, become one of the Founder 500 purchasers to get my Founder box featuring a bunch of goodies plus lifetime access to the premium version of DollarWise. Don't miss this opportunity of a lifetime. Download DollarWise and start your free trial. Go to DollarWise.com or click those links below. For fuck's sake. Is this a foldable phone?
1:09:13It's so long. Yep, it's a Motorola Razr. Oh my goodness. Fucking gaming shit. Memory foam seat cushion. Yeah, before you can sit down and game shit. Oh my gosh, professional earbuds for gaming. What the f*** is this? Couple's Rose App remote. Please don't. Is that, that's not on right now, is it? No. I don't. No. We haven't used it yet. Dude, it's this gaming shit and f***ing stupid shit, man. Oh my goodness. And then another f***ing vibrator. And then, you just set up a gaming setup. How much did you invest into this gaming setup? Actually, the monitors, that's for her Christmas f***ing sake.
1:09:46She was using our TVs. Start a screen recording. and I on Christmas I got her two monitors for her setup how often do you watch like once a month if at all I don't know it just doesn't line up he watches it more than I do well if you're not f***ing him that's fair yeah I watch f***ing most daily oh and I jog off like once or twice a day oh Oh. Oh. Oh. Hopefully not in the triple dippers.
1:10:28Gamersupps is good. Use my link on the Gamersupps website. You'll get a discount, okay? The reason we got it on Amazon is because her grandparents got us a$70 Amazon,$75 Amazon gift card. Okay. But in the future, use mine. You get, I think it's a 10 or 20 % discount. It's 40 cents a serving. It is much better to make it home. It's cheaper. you got a Donald Trump best gamer ever thing and second amendment American flag Christmas that was his Christmas stuff and his birthday stuff learn a lot while sitting on the pot oh my goodness you guys are that book was wild by the way that was a book you've read I buy him books so that he can read them because they're topics that he's great game That's a great board game.
1:11:19That's a great board game. It's a great game. Okay. Interest and fees. Oh, this is a different Indigo card. No, this is Destiny. Destiny. Who has the Destiny card? That's her. Oh my gosh, it's all you so far. That was for... We need a credit builder. When I first moved out of my grandparents' house. It was to help me... What was that? I think it was back when we... That was 21. Yeah, when you moved in with me shortly after we got together. $48 monthly fee, credit protection, two years to pay off. What a disaster. What a disaster. Who's credit ninja-ing? That's Luna's. Oh, Luna, you're just an incredible, what a catch you got here.
1:12:01Most of the loans I have pulled out are because he has shit credit and can't pull them out. I need to define this because everyone in the audience always thinks I'm attracted to literally every single one that comes out. here. I just want to be objective. You are not my type, but you are also out of his league. Yeah. Beyond far. I agree with that. And that is why you aren't with all this debt, with the cheating, with the history, with... It's just like... That is why you will not leave. I won't leave for multiple reasons. Yeah, because she takes your dick, has big tits, is way beyond your league, and you're afraid of being alone.
1:12:35Yeah, that's about it. That is it. That is why you won't leave. How does that make you feel? That's why he's not leaving. if pussy whipped them. Wouldn't use that term. I would. I was going to say titty whipped, but... Oh, I've seen both, so... Thank goodness only one of them is Harry. $33.42 a month,$498.73. They really go full bush in Oklahoma, huh? I wouldn't go full bush. I haven't tasted any of the Tulsa Rainbow. You've only been with one woman? In Tulsa? Yeah, we've lived in Oklahoma for not that long. We've been in Oklahoma. So we're in Oklahoma because my baby mama moved up here, and I moved down here to go be with my son.
1:13:21Where's down, up, where? What? These directions make no sound. She's from DFW. Yeah. She moved up from DFW to Tulsa, and I moved from Idaho to Tulsa to meet her. Idaho? Yeah. Actually, I hear Idaho's nice. It is very nice. I loved Idaho. But now you're in Oklahoma because of my son. But we moved here so that he could get to know his son and everything, and then that's a three like two three months after we moved here and she moved here she lost her job got evicted and had to move in with his mother his mother not her mother and yet you can't see the kids though no because after she moved out of my mom's she went no contact she doesn't contact my mom anymore the last my mom heard from her is she moved in with a co-worker from a job she had for two months okay what's going on with credit ninja that one was mine.
1:14:12$4.98,$7.83,$33. $4.99. You're using kickoff. I do like kickoff as a credit builder. We both have kickoff. Okay, you haven't f***ed it up. That's good. You have not brought it to that$3 ,500. That's the$35 one. Whose kickoff is this? Oh, that's why it's not being f***ed. That's why it's not being f***ed. That's good. So$35 a month,$3 ,150. No, no, no. Sorry, that's the balance. $350, okay. Yeah. Again, this can be a tool to be used, and you're doing it. This one you're doing right. I'm okay with that. Let's see how you're doing it. Okay. Even better, actually. I went with the cheaper one because I know I have all the other bills, and until those are paid off, I don't want to stretch myself thin.
1:14:59$45 with$5 a month. So. Good. Who's Quicksilver? Mine. Wait. Are we sure that one's yours? Who's above the limit? What's the limit? 300? That is hers. Of course. That is the first credit card I ever got. Oh, so let's keep it maxed out. I had paid it off once completely. Great. So let's keep it maxed out. And then I had to use it again when we moved down here for the down. You're not down here. You're up in Oklahoma, like nine hours away. Seven, but yes. You ain't down here. Compared to Idaho, yes. Well, everything compared to Idaho is down here. Okay. $318.60 with the$25 minimum payment takes 19 months to pay off if you even pay it off with your purchasing money while interest is accruing.
1:15:46Well, late fees are happening. She's late on everything. Why are you with her? Just for the tits? Are they that good? No, they're fine. There's big tits everywhere. For Starbucks, Starbucks, late fees, Starbucks. F*** you, what are you doing? What are you doing? I have recently backed off of Starbucks because we bought the game. Wow, and then you didn't. Recently was literally her last f***ing statement where she's not paying it on time getting to Starbucks going above the limit. I recently stopped. No, you f***ing. This is your literal most recent statement available. You. Make your coffee at home.
1:16:16Make your energy drinks at home. F*** you. We got gamer sips literally right after we sent these to you. You can make coffee at home, too. You can do both. She doesn't like coffee at home. We've tried. I've tried getting her. Starbucks is like the worst coffee. Just get the beans and you can make it just as shitty. I will say I used to work at Starbucks. And because of that. That was your coffee shop that someone was jealous about? Nope. That was a different one. It was the coffee shop that she had a, was a, at a resort in Idaho. Okay. Alphonse, you're a quicksilver. Yes. Time for your quicksilver.
1:16:52Let's see. This episode is brought to you by Nespresso. Introducing Virtual Up, the latest in a long line of innovation from Nespresso. It's innovation you can touch, sense, and taste in every single cup. With a three-second start, easy open lever, and dedicated brew over ice button, it's even easier to enjoy your coffee your way. Sip for yourself. Shop Virtuo up exclusively at Nespresso.com. $138.26 with a minimum fee payment of$25. Okay, seven brew coffee, you're still going. Fuck you. Steam, going in and getting some energy drinks probably. Steam, Steam, talk about Steam. First of all, how are you spending so much on Steam?
1:17:36I play video games. I do not buy this many video games in a week. It's either a video game or an in-game purchase. Oh, I know what you are? I was looking to buy a new video game the other day. And you know what I saw, Brandon? On the top sold. All three are simulators on Steam right now. I do not buy those games. I don't. I can show you my Steam library. Who are you to talk with? I can show you my Steam library. Well, he is. Well, come on. You're the two times a dayer. You got a p***ing, my friend. I do. You got a p***ing fiction. I'm glad you can at least still stick it in her. When I was trying to stick it in her every day, we ended up having a fight because she thought I was using her for her body.
1:18:15So I had to cut back on that. And? Were you? I was not. I think you kind of are. That's the only reason you're sticking with her. I mean, I love her too, which is why we're sticking through all of it. You were upset that he wanted to have sex every day? That's usually like a... I wasn't upset. It was just with, there were a lot of times where he woke me up from sleeping. Because you gave me your consent for it. At what time? Even though I told him that it was okay every now and again. At what time? Random times throughout the night. Like at 2 a.m. he would just be sleeping at noon. Sometimes 2 a.m., sometimes noon where she's sleeping at noon.
1:18:48But permission. Yes. I did give him permission to do it sometimes. Oh, well, that's fun then. That's fun. Oh, well, did you define that? It was not defined. And he was doing it every day. Almost every day. Almost every day. So my sleep schedule is a thing. I told her I'd rather stick it in than watch porn. Yeah, well, yes. But, I mean, and that is a fun little kink thing. I mean, I get it. We all like to have fun. And as long as the permission is given, that's something she wanted to do every day. I will admit I did get over, I did go too much. Also, are you able to do it when she's not asleep too?
1:19:22Yes. Yeah. Okay, good. Just wanted to make sure it wasn't just that. No, it's just. I have to be careful not to cry around him. He f***s when you cry? He gets extremely turned on when I cry, so I can't cry around him. Hey, yo, what the f***? I can't explain it. Don't ask. No, that's weird, man. Please explain. I can't. I told you I can't. And every time you cry, you f***? Yeah, actually. If he sees it, yeah. You're not... Why don't you say no? Can you? I can, yes, but I already tell him no about a lot of other things, so. And he does those anyway? Steam games, apparently, yes. Oh, not sexual. Oh, sexual, no.
1:20:05You guys have like a free use situation, I'm hearing. Yes. It's fun. We like it. I'm a big fan. But, you know, as long as it's given, express consent for free use. Whenever she wants to, she can and vice versa. Well, I think, yeah, you were trying to get yourself permission, but yes. I don't think she's, okay. She's done my bones when I'm slept a couple times. Oh. See, you do it too. Yes. What it's worth. I mean, you're usually not hard while you're sleeping, but. Oh, no, I am sometimes. What is wrong with you? I don't f***ing hell, dude. A lot of things. It's a longer, it's a shorter list of what's not wrong with me.
1:20:42Okay, who's not making their payment on their coastal community bank? What is that? Actually? You've been okay so far. Coastal community. I don't know what that is. I think it's What's the 125 balance? That must be a collections I don't know what that is This is credit karma, yes But who has Coastal Community Bank? I don't know We don't even know who's The only things I have Minimum monthly payment, 25 bucks Balance, 125 Who knows what you purchased it on But someone's late 1, 2, 3, 4, 5 months in a row It's gonna go to collections That's gotta be you You want collections? Huh? Huh? Don't want collections What did you say?
1:21:22I said it's probably him. I don't know what that is. But neither of us know, so we're not sure. Highest balance, 600. Balance, 125. I don't even know what this one is. We got another Coastal Community Bank of$71. I don't even know the amount of this. Probably$25. So someone else has$75 in good standing with Coastal. And then what's TAB Sunbit? That is collections from back in like 2017. Yours? Yes. Bad. From 2018. 2018. Hopefully it'll be falling off soon. We'll see. That's going to f*** your hammer financial score. F*** sick. What is this? Nelson. That is a car I had when my— Close. Repoed? Voluntarily.
1:22:05When I lost my job. I voluntarily repossessed it before I got late. Look at you thinking volunteer is so good. We know neither of them are good, but that was better than the alternative. I got that car when I had my job, and when I lost my job, I voluntarily repossessed it before it went late. and we couldn't. $8 ,154. Out of the, I think it was $15 ,000 when I got the car. Kickoff we already have. Open Sky City Bank. I don't think we did this. That is my, uh, that was a credit card I got. It's also closed. Yep. Collection. Man, so you're just a collections guy. Uh, when I lost my job, yeah, when I was unemployed for six months.
1:22:41Why didn't you file for unemployment then? I couldn't because I, uh, quit. Oh, fucking retard. Wait, I thought you said you... Um, it was a mutual between me and the job. I put in my... I thought you got laid off because you were gone for the surgery. No. Community college. Passed$1 ,200 for what, asshole? That's my college. That is the best balance that my job is supposed to pay for. Are they going to? Because it is past due. $1 ,231.16 which is the balance, but it's also past due. Are they going to pay for it? or? They're supposed to. Are they going to? They're supposed to. Oh, you have a kickoff in collections.
1:23:25My f***. Okay, who has$3 ,168 in federal student loans? Me. Oh, wait, no. There's probably going to be more, right? Or is it just that? There's two. There's a subsidized and a subsidized. Is this for ongoing right now? It's for dive school. Yeah, from his dive school. What were you going to do with dive school? Underwater welding and hazmat. I was 235 pounds when I went into dive school. Does that mean you're fat or not? I don't know. How tall are you? I am now. Back then, I was not. How tall are you? 6 '2". I mean, it's probably a little overweight, but okay. 3 ,000. Okay, student loans. You're in school now, so you don't have to pay on these.
1:24:06Those are dive school. Those I do have to pay. Why? Tell them you're in school. They know I'm in school. What kind of school are you in? Online college. No, you would not have to pay. Is it a certification? Uh, yes. Oh, there you go. Yeah, probably. $5 ,016. What's your monthly payment to student loans? It is, for the both of them,$50. $25 each. Oh, my fuck. Okay. Okay, good. Looks like that's it. Checking account. $0. That's it. And yet we're still steamed. Whataburger. Pick the worst burger there is, literally. Taco Bell. You went inside, got some bullshit. Clash of Clans you're paying for. I did that one.
1:24:47You suck other guys' dicks. I did that once. Clash of Plains. Recently. Really? Yeah. Sean and I started playing to get together. Oh, my God. And she's playing with the Sean as well. The Sean. No. I just have been playing around. Co-worker. Having a good time. See? Wait, what? I'm not. Not playing. When I make a joke and she confirms it. She said Sean. He said Sean. I said co-worker. No. Sean. That He said Sean That's Shawnee When inside got some bullshit Got some bullshit Donuts Crunchyroll Taco Bell McDonald's Bullshit Steam purchases No the Walmart's not groceries They don't do groceries Amazon Taco Bell Bolster When it got some bullshit Polybuzz chat AI You're paying for F***ing AI What?
1:25:42You're paying for F***ing AI Well that's okay if it's a tool for work but you just grill things, so I don't... No, I use it for bullshit. Pull it up. I deleted it like a month ago. What do you do with polychat? I don't know what this is, polybuzzchat. I've never heard of it. It's like random roleplay. There's a different roleplay for AI. He's gooning with AI. No, it's... It's roleplay. Yeah, like D &D type roleplay. Oh, f*** off. You can goon, but I didn't use it for gooning. Look at you the two times a day-er. Yeah. No way you're not. Taco Bell, bullshit. Amazon, McDonald's, Starbucks. Bullshit, bullshit.
1:26:23Lopez Girls, DoorDash. Dave, you're using Dave? I am. Fuck me. Amazon's theme purchase. Discord Nitro. Taco Bell. Bullshit, bullshit. Donuts. Evolution Cigars. Chili's, bullshit. DoorDash. Snapchat paying for Snapchat DoorDash Evolution Cigars Bullshit It was$2 Just to restore our streak Surprise you don't have Overdrafts Is this yours? Yes 171 Not much better Amazon IHOP Bullshit Del Taco Minnesota Woodlands Broadway Liquor That's a lot of liquor She bought that for me for Christmas That was for his Christmas present Liquor? Yeah She bought me Six bottles of Jim Bean What's wrong with you guys, man?
1:27:16You guys are weird. Tattoos. Do you have tattoos? There's that piercing. Oh, that was for my nose piercing. Bullshit. Blizzard. Hello, Candy. Bullshit. Arby's. Well, you're spending a lot of money on Blizzard. 15 bucks there. Arby's, McDonald's, Amazon, Hulu. Lin Cuisine, Chinese. Pokemon Go. Starbucks. Taco Bell. IHOP. And I've charged something. food bullshit. McDonald's! McDonald's! Starbucks! Taco Bell! Bullshit! Prime Video! Premium! But do you see all the payments to all my loans? It doesn't matter. You were late on some and you're only making minimums on others. Shut the fuck up. Starbucks, DoorDash and Casey, you can't pay rent and you're borrowing to pay for utilities.
1:27:59Go fuck yourself. You're not going to make society feel bad for you anymore. Once I actually dive into the spending, this is what happens every time for everyone that pretends they're like a financial victim. No, you're not. You just around. Taco Bell, Little Caesar's going into bullshit. Taco Bell, McDonald's going into bullshit. DoorDash, overdraft fees twice already this year. Fuck you. Fuck you all for Taco Bell. You guys are a fucking joke. The overdrafts weren't for Taco Bell. Shut the fuck up. Yes, it was, because it was still in your purchase history. It all comes down to it in the end.
1:28:29Okay, income. I didn't know she overdrafts on her account. Well, she does, and yet you're with her, even though she sucks other guys' dicks. I don't remember that. When you paid one of the utilities with my card, it didn't show up on my account until Monday, and then it overdrafted my account by$10. Total income for the house,$3 ,430. Okay. Well, I'm sorry. Keep going. Clarify to each other while I add this up. When the utility went negative, I think we, I door dashed and put the money in their account to pay for it to come out of negative. No car payments here. We should have two car payments.
1:29:15Oh my, but I didn't get them. Uh, I think, oh, so I got one of them. Did I miss it? Did I miss it? Oh my, what is that? We have, what's the balance? We have two cars. What's the balance? One is 14 ,000. The other one is 13 ,000. What's the minimum monthly payment for the 14? 540 in a month 540? Yes And for the 13 ,000? 440 For three years What's the interest rates on these? 18 18
1:29:53Alright Good luck $1 ,868.51 is your new minimum monthly payments $800 rent What's your utilities and internet combined? Water is$120 a month. Electric is$150 a month. Gas is$90 a month. And internet? Internet is$50 a month. $410 for utilities. That's crazy. Phone bill? $150. Use helium. It's cheaper. $15 a line. T-Mobile's good there. I'm sure it is in Tulsa. Gas? Vroom, vroom, drive, drive. $200 a month. For both? Yes. Car insurance? $3.50. It used to be$4.50. Grocery,$600, meal prep, warm up. It's easy. It's chill. I don't give a f*** on the stove top. Put it in the fridge. Use the microwave.
1:30:44I don't give a s***. Use our meal plan in our budget-friendly cookbook. Assholes,$200 for TP fun, tampons, anything else you need. New socks, whatever it is that pops up. Are there co-pays, medical payments on a monthly basis? On a monthly basis, no. Gym? No. Subscriptions? I'll try 40 bucks games and shit. You got pets? One. Why? You already got rid of what do you have? A cat. Okay,$50 for pet insurance. How much for pet food? 40 a month at most. That's cheap. Yeah. Anything else you need in this budget before I say go because there's no way this is going to work. I believe that's everything.
1:31:25$4 ,708.51. You're not getting a house. I don't know what the fuck you guys are talking about. You're already underwater. This makes no sense and you suck other guys dicks. It's like what are we doing? $1 ,278.51 under like maybe she needs to start the OnlyFans. No, not really. I would never advocate for that Unless you really want to. What the f**k is going on here assholes? What the f**k are we doing? What a joke. You need to go through the certification as quick as possible And I'll get you a course career as one like I said on top of it Get into cybersecurity Do not increase your lifestyle and pay off all this debt change your behavior Maybe go through bankruptcy and you need to figure out something for your fucking career I also get you a course career certification.
1:32:05I hope this is income and you guys have gone beyond debt beyond debt You'll never fix this and I don't know how you're not homeless. You might need to move in with family I don't know guys you need to improve your careers make more money than pay off this shit There's no way you're gonna do it now bankruptcy is likely in the future. This is This is fucked. I need to do your hammer financial score, but join us for the post show guys I guess I missed another debt. Oh cool. Forget that out in the post show Me oh the car loans are new as well. I'm gonna go through their text. Oh, there's some friends debts Oh my there's so much.
1:32:38There's so much. Oh my goodness We'll go into that in the post show click the join by a hammer financial score spending in a budget you overspend zero out of ten debt There's collections here are ten emergency fund. There's zero dollars retirement. There's nothing real estate zero Hammer Financial, of course, you are a ton there. Get you to CalebHammer.com. Click the join button. Join the number one membership on YouTube for a reason. Hammer Elite. Three premium shows posted every single day, Monday through Saturday. It's awesome. Join us for the post show. F*** me. I got something! Uh-oh. Lately, I've been feeling disconnected and more like roommates than partners.
1:33:10You want to talk now or are you going to continue to be pissed off? Then she says, I was talking with a friend that I told about. We went to high school together. What is your issue? while you also sent him your literal. Don't forget to download the new DollarWise budgeting app. This is officially now the best budgeting app on the market, and I'm giving you a special deal to download, but only through March 31st. Take a free three-day trial to test it out, and then you get the monthly plan at a 33 % discount for the first three months, or the annual plan at an insane 50 % discount. And with the annual, you get my budget-friendly cookbook and my brand new 30-day detailed budget meal plan signed by me and mailed directly to you.
1:33:44After March 31st, the cookbook is going away forever, so this is literally your last chance. And if you're feeling extra sexy, become one of the Founder 500 purchasers to get my Founder box featuring a bunch of goodies plus lifetime access to DollarWise Premium. Don't miss the opportunity of a lifetime. Download DollarWise and start your free trial. Go to DollarWise.com or click the link below. Thought sweetgreen was just salads? Think again. There's a new way to do sweetgreen. Wrapped and ready. These handheld wraps pack bold flavor and 40 plus grams of protein into something hearty, satisfying, and built for life on the go.
1:34:16from craveable sauces to satisfying textures. They're designed to keep you going without slowing you down. So put that fork down. Try the new wraps today in app or at order.sweetgreen.com. Available at participating locations only.
From the publisher
💰 *Download Dollarwise 6.0 Is Now LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP
THESE MESSAGES BETWEEN THEM ARE *INSANNEEEEE* - I go through all of their texts, and it's a complete mess. No way they are staying together... watch here: ➡️ https://bit.ly/chpostshow
=============================
🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS
=============================
👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus
🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
=============================
Master Your Money with Caleb Hammer
=============================
⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer
⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch
=============================
*Check Out My Resources*
=============================
👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb
👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus
👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer
👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb
👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.com/caleb
👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/
👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer
👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer
=============================
*Want to be a guest on Financial Audit?*
=============================
👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply
*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice.
Sponsorship and business inquiries: business@calebhammer.com
Learn more about your ad choices. Visit megaphone.fm/adchoices


