The First LGBT Divorce On Financial Audit

25:36On go. I want what you think your combined financial score is. Okay? At the same time. Zero being the worst, 10 being the best. Three, two, one. Point five. Okay, so pretty close. If you guys want to see where your finances are, take our assessment, go to CalebHammer.com or click that link in the description below. Remember, if you don't want to be like a guest on this show, all you have to do is download my budgeting app, sign up for the annual version. I will send you our budget-friendly cookbook and budget notebook that cannot be purchased anywhere else. I'll sign it and I'll send it directly to you.

26:07You can also come on the show by going to calebhammer.com slash apply. All right, so we're trying to get to baby mode, but what the f*** are you writing down? Whatever you write down, Caleb. You write it down, so I'm going to write it down. You wrote O-S. Yeah, no, that's a five. I put my hammer score, and then I'm going to put her hammer score, and then I just want to take some notes. Okie dokes. Okay. Okay, Jewelers. Yep, that's me. Wedding. Ring? Yeah, ring. It's pretty, right? Custom. I picked it out. Okay. I don't get it. I've never understood it. They all look identical to me. We didn't spend any money on an actual wedding, so we spent money on our rings.

26:52Okay. Well, I guess at least you can resell that on like... I would never resell that. Of course, unless it blows up in a horrendous divorce in about six months. No. Six months. I don't think that would happen. She's going off of averages. Okay. So, KJers, we got a balance of... This doesn't make any f***ing sense. We have a balance of$5 ,172.91. Oh, my f***. Do you even know what happened on here? Yes, I know what happened. Why'd you allow this? I didn't have the income to pay it off. Then why would you f***ing do it? Because... Ring pop. Like, you get it when you can get it. Listen, is this all stacked up to third interest and it just hit?

27:34Yeah. That's f***ing insane. It was a$3 ,724.69 balance, making our minimum repayments. Then deferred interest of$1 ,590.22 hit all at once, which pushed the balance to$5 ,172.91. Right. I didn't know. Over the credit limit of$4 ,200. You did not know. I didn't know that it was deferred interest and that it already hit. She told me it was on zero interest, but I didn't know if it was deferred or when it went. What the fuck? Why would she not know? Oh my gosh. Yes, there was no interest temporarily. I guess that's what I had told her, but I knew that there was going to be an interest coming up in 18 months.

28:16I think it was 18 months. Yeah. How long does this take to pay off? Just making minimum payments. No purchasing, which you can't because it's, you know. Gone, yeah. 15 years? 16. Oh, that was pretty close. It would be 16. Yeah. Guess what? She'll be out of IVF zone by then. Yeah. You'll be approaching. Hey. Yeah, I mean, you're not wrong. Yeah, that's. Yeah. Welcome to math. So what's more important, ring or having the kids? Because obviously we chose ring and not actually paying it off. I would like for the kids to be more important, but. Well, the interest is already hit. How do we get the money for your ring?

29:02Because you spent all that on her ring. How do we afford this ring? I bought that ring. Okay. With money. Money that I had saved. Well, what the fuck is it all? So instead of actually putting it towards the future, we got it towards the ring. Well, I mean, she needs a ring. Also, why do I note that your mom gave you money for a ring? I know your guys' reality. I don't know why you try to lie. I had two-thirds of it saved, so she gave me$1 ,000, and I bought the ring. How much were you guys' rings? Hers was like$3 ,300. I don't know how much hers was. Whatever the first purchase was. Was this all the ring?

29:42Yeah. Well, that was also, we got our wedding bands on that too. Yeah. So there's been three purchases. Well, technically two, but three items purchased on the card. $194 minimum monthly payment. Yeah, it just went up. Yeah, because you weren't responsible. Yeah.

30:00Are we ever going to be able to get anywhere If we're not responsible together Like we're both irresponsible And it's like you wouldn't communicate about it And it's just like And then you just let it go Like I don't know what to do What are we going to get? I think once we hold each other accountable A little bit more With the joint account That's it? Yeah I mean that's all of my income going there Okay tell me how we're holding each other accountable I know that if I spend something on that money or on that card, she's going to look and she's going to see it. She's going to be like, what the fuck?

30:31She's going to look. She'll just see. She says, what the fuck? No, I say, what the fuck? No. That's it. That's how these conversations go. That's our groundbreaking solution. Okay. She does not actually say what the fuck. She's actually a lot nicer than that. But we're not sitting down. We're not planning. We're not going through on a monthly basis. We're not laying down everything, seeing where money went, discussing that, talking about what we need to adjust for the next month in order to get to our goal. Here's our goal. What does it take to get to the goal of these steps? How do we get to these steps?

30:55Not as up to this point. Okay. So obviously that, I mean, that's not a method that's going to work. It's like, hey, you just got an Amazon? And it's just like, okay. And then that conversation's done. Right. I guess. Yeah. Yeah. Cause I just see, I see it and I see that money came out and I'm, there's an Amazon package and I'm like, what, what is this? And then she tells me what it is and there's, I, it's hard to push back. I just, I want her to be happy. So I don't, I'm not like, Hey, stop doing that. Because you're not wanting to do it out of fear and you're not wanting to push back out of her not being happy.

31:27So what the f***? This doesn't sound like a method that works in my opinion. And also just like the fear base. Like it's like the negative reinforcement that you'd be experiencing. That's not actually going to change your behavior. It's like you have dogs. It's like having their whole training be fear based. That's not going to work. You want to change behavior. You want to change behavior. Well, I guess I never really was like shown how to budget. None of us were. Oh my God. Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know, I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year, because that is where my passion is.

32:09We finally did it. And now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You'll get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff, and finance all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? You can try DollarWise for free until September 1st. If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to DollarWise.com.

32:50Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. DollarWise.com. Let's f***ing go. I don't. It was hard for me because it's hard for everyone. I guess. Yes. Were you taught how to budget? No. No one was. I wasn't. These bulls weren't. And at what age did you figure it out? Just curious. Just about your age. 22? 22. I started to get into it. Okay. Cool. So I'm right on track then. If you actually turn it around because most people don't is the thing. That's the issue. Because I'm old and I don't have a mind together.

33:30Yeah, but I didn't know about Caleb Hammer whenever. I mean, sorry. It didn't exist. I didn't know about Caleb Hammer. You did exist. You did exist. You're all the same age. Sorry, you're not. The channel didn't exist. The channel didn't exist. Mm-hmm. Yeah. But, I mean, I'm sure there was someone similar at her, if she was my age. Dave Ramsey, I guess. Yeah. Yeah, but he just talks to people who have millions of dollars. So, what's the... I see his clips on YouTube all the time. Oh, you have 5.5 million dollars. That's a specific segment, I think. My parents watched Dave Ramsey. Not that I want to be like my parents, but like.

34:06As long as your parents. They suck. They're not very supportive of us. That's kind of why. Flap on flap? Yeah, flap on flap. Why are you gay? Yeah, she got divorced and they're Bible thumpers. So she got divorced. So that was automatically strike one. And now I'm a girl. So that's like strike eight. Yeah, my parents are like super biblical. They're homesteaders. They live off their land. My siblings are homeschooled. We don't want to be like them anyway because that's nasty. I mean, I want to be financially successful like them, but I don't want to be anything like them. What anyone does is get your money in shape.

34:36Right. Okay. I don't care who anyone is. Get together. That's my philosophy. Okay. Okay. All right. Well, this is horrendous, and it's at a 31.24 % interest rate of death. Not the worst one. It's crazy. Okay. Home Depot, what's this? Is this attached? I'm sorry. Is this attached to cage rulers here? This one? The Home Depot card I opened whenever we moved in together and I bought a washer and dryer for us. Listen, I'm not advocating for renting over purchasing over the long term, but the thing is that my first year down here, my first two years down here when I was trying to pay off debt, it made more sense than blowing a few hundred bucks on use or a few thousand on new.

35:29I just rented a washer and dryer. And it made sense and those services are everywhere. where I know they exist in San Antonio. Yeah, but that'll last us forever. Yes, but you didn't have the money to get this, and now it's on a card that is accruing$33 to 21 cents in interest. You're paying fees. When we first moved in. You're paying an interest on this, what I paid in monthly rent just for my units. In America, half of every dollar spent on brand medicines goes to entities who don't make them. While middlemen like PBMs and 340B hospitals drive up costs, Biopharma is investing$500 billion in new infrastructure and manufacturing here at home and helping patients buy medicines directly at lower prices.

36:10Tell Washington to end middlemen markups and put American patients first. Visit phrma.org slash middlemen. Didn't have to pay back$1 ,505. But you had to give it back after you were done, right? Yeah, but that's ours. I mean, we don't. And then you can sell yours for probably like$400 because no one wants your nasty ass used washing machine. Yeah, so I don't want someone else's nasty ass used washing machine either. So I got a new one. But I didn't say get used. I said maybe we rent. Yeah, but aren't there rented ones too? Yeah, but they probably clean it a bit better. Yeah, but we got it. Maybe.

36:46I don't know. I use it. I'm okay. I don't have AIDS. I mean, I guess that's true, but we don't have AIDS either because we got a new washer and dryer. Yeah, we got a new one. Also that one has a lot of plant stuff on it too The Home Depot card I need a hobby right? Sure not one where you're spending Endless amount of money that we can't pay off Or budget into a checking account I mean just You can get hobbies that don't require all that $1 ,505.63 On a$1 ,700 limit Yeah, I mean, they're telling me you spent at least 400 to 500 hours on your little plant collections. It's pretty cute. I'm sure it's cute, and so is all the interest rate, and so is not having a kid because you guys aren't even close.

37:35Yeah. Real cute. Who wants a kid more? Are we equally in this? I would say that she wants a kid more, but I'm pretty close to being equal with her. Pretty close to being cool? Oh, you're not there. No, equal. Pretty close to being equally excited. Okay. I think I'm just more ready because I know that I would like to carry our first child. So I feel like I'm more so ready because I know that the window is closing. Not meant to be an insulting thing, just a biological thing. But aren't you going to have to lose a decent amount of weight? Yeah, probably. Okay. You've got to start that today, though.

38:11Okay. What have you lost over how long? The last like six months, I've lost like 30 pounds. Okay. That's good. I'm getting there. Very good. Trying my best. Okay. Keep going. You're not doing it in a healthy way Anyways can we go on with the card? What? She doesn't eat She eats like maybe once a day You'll bounce back I've done that I've yo-yoed You'll bounce back Okay Just working in restaurants all the time Unsustainable Yeah Like you will bounce back You will fall into old habits That's what's happening Like I've lost 40, gained 40, lost 40, gained 40 It just happens And I did like the starvation diet too Does not work I'm not purposely starving myself I just since I work in a restaurant I'm around food all day Just the thought of eating it makes me nauseous Okay We've had a late fee on this car this year Guys This year See What did you say at the beginning What the fuck did you say at the beginning Yeah they said that there was no late fees Yeah I told you this always happens I didn't take a count of late fees This happens every fucking time This happens every fucking time I can't believe anyone that is on this show unfortunately anymore But basically anything at this point.

39:21Every f***ing time. I didn't know that that was a late fee. No, s***. That's why you said it. Or you were lying, but this is better. I'd rather have ignorance. $136.53 of interest accrued this year so far. Oh, I thought that was a late fee. Huh? No, it was$40. I thought you were telling us a late fee. Okay. So what the f***? Why do you think that happened? I don't know. I don't like putting it on auto pay. There's just something about it that just makes me nervous, so I just go in and do it myself. so I guess I overlooked it. Okay. All right.

39:58Everything's on auto pay now? Nothing's on auto pay. Why is nothing on auto pay now? After clear, well, you didn't know this was happening until right now. Why are things not on auto pay? What's the philosophy? I don't know. Something about it just makes me anxious, so I just don't do it. What, do you guys have not enough money in the checking account ever? Sometimes. Why? You guys make money. I don't know how to budget. That's not just about budget. Even if you're not budgeting, you know not to go swipe with the bull. I mean, I've gotten a lot better at that, but I'm not going to lie. Just like everyone says they never have a late payment, and then I find a late payment, everyone says, I've gotten better.

40:35And they're not. I just saw$2 ,000 spend more than it came in last month. Yeah. $3 ,000 more than normal. So I don't give a f***. That's not true. Bull s*** spending is basically$900. Holy shit. I'm sorry. That's not spending. That's just going out to eat. What? Good God. Oh, see? Extra miscellaneous bullshit. Basically 500 bucks. Okay, but the$500 was her baby shower. Other large purchases, 1 ,400. Large purchases? As in what? Large purchases. Let's see. Large doesn't mean miscellaneous, but it's just kind of uncategorized. Unknown withdraw, 1 ,350. Oh, that's bills. Okay, and then TurboTax, 84 bucks, uncategorized.

41:22Miscellaneous bullshit, that's like American Eagle, overdraft protection. That's my fault. Did you know this? No. Overdraft protection? So you're overdrafting on your checking account? Yes, I did know that one. Why? But it's because of the stupid pest control company that I agreed on and I accidentally signed. I didn't accidentally, I just didn't know about it. They knocked on my door and they were like, hey, we can do this for this. And I was like, okay, sure, yeah, we have bugs. Let's do it. And it ended up being a year and a half contract. You actually got sold by a fucking knock on the door pest control person.

41:58Yeah. I never almost shot people with paintball guns more than those people. If Carrie was home, she would have said no, but I was by myself. Fuck, maybe we shouldn't allow age gaps. You have the mind of a 16-year-old. Not, maybe in finances. How are you kidding? Huh? Maybe in finances. Maybe in finances I have a 16 year old mind Yeah she's signed a year long contract So it takes money every month And you overdraft because of it? I forgot about it A courtesy pay fee What's that? Well we will see Old Navy, TikTok Shop, Academy, Sports, Pop Shelf Miscellaneous spending, Quizlet and Apple stuff Did you buy Miscellaneous bullshit 250 So we're talking just bullsh** guaranteed Did you buy Quizlet?

42:39Yeah I bought it Guaranteed bullsh** 1 ,200 Oh damn And there's probably a lot more But I think, I feel like... Oh, and then subscriptions. We have ID Protect, Netflix, Spotify, Disney +, Acorns.

42:56That doesn't seem like a lot of subscriptions. Of? Your phone. Yeah. What do you want me to pull up? I want you to open it. Okay. Okay. See? She's more brave. Yeah, I don't care. Nothing on there. You have Second Try, which removes monthly. I don't know what that is. What is that? The Try Guys. It's a YouTube. Oh, but our membership is so much better. I guarantee you our content is higher quality and more content as well. Okay. Mostly because YouTube told us that themselves. HSP Premium. Yeah, Heart Starts Pounding. Those are podcasts. Oh, for f***'s sake. Again, wrong one. And then iCloud Plus.

43:35Oh, No Media. Oh, that's a good one. No, you can't make that face because their s*** is good. Yeah, their content's good. They have three separate podcasts. It's all about like murders and stuff. Yeah. Good stuff. Thrilling. Planta? Yeah, I don't pay for that one anymore. Okay. I needed it for my plants, for my hobby. If I go through your guys' text message conversations in the post show, are there going to be lesbian fights? No. No. We actually don't fight that much. And if we do, we just like sit down and speak like normal adults. Yeah. We'll see. Okay. A lot of it is probably just me complaining about my job And you have Chardney's family party game Huh?

44:20Charades? Charades? Oh my Are you okay? Was that a stroke? You just had a stroke? That's what that was, yeah? Was that a stroke? Charades? Oh my gosh I am a I am not proud of that one. I don't pay for that. It says we're... I stopped paying for that, by the way. I'm not known for being able to read well. Oh, my God. That was funny. Wait, so was that the only thing on there for me? Yeah. Charades? Yeah. Okay. Charades. Okay, discover it. What's that? Mine. okay what's going on with this it's bad it's purchasing on a card that is accruing interest that is over the credit limit did you know that yeah uh yeah it's over the credit limit we i just found out like a couple nights ago that she was still charging stuff tell me how'd that conversation go why why did it even happen because you're coming on the show and it's about to be exposed yeah that's exactly what it was we were coming on the show about to be exposed and i said do you even spend on your credit cards?

45:30And she said, I looked at that one. Oh, I thought I said no. I honestly thought that because it was maxed out, I didn't have room to spend any money on it. Well, you put a little payment that brought it slightly under the new spent and then interest hit and now you're over. She's$125.93 over the credit limit. $146 minimum payment. Again,$190 of purchases while$125.99 of interest is accruing. Why the f***? Regardless of maxed out or not, why are we purchasing on a card that we cannot pay off and that interest is accruing? Question is all the time here. Because I didn't have the money in my checking account.

46:08Then why are we spending it? Because I'm not good at meal prepping. That's a large majority of what that is. Well, you have a significant other as well who, by the way, you know, does cooking things. Right. But as soon as she gets home from work, she's tired from cooking at work, so she doesn't want to cook at home. Well, stop being lazy. Let me guess. You're just using an investing app that doesn't invest in you. It is time to change that. Right now, Webull is offering up to a 3.5 % match when you open an IRA with them. That is real money going into your retirement, not just points or coupons.

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47:21It doesn't get better than this, so stop overpaying for a platform that gives you nothing back and make the switch to Weeble. Go to weeble.com slash K slash Caleb or hit the QR code or the link below. Let's get back to the show. I don't think it's lazy. I get my ass beat. It sounded like lazy. Yeah, I love it. I get my ass beat at work every day. Yeah, I also get my ass beat at work every day. It's not the same concept, but it is similar to a similar beating. I just don't want to cook whenever I've been cooking all day. Yeah, but we have to because we don't have money. We just saw that, what was it, 800 hours going out to eat in a month?

47:52Or 900? I don't remember. Which is honestly like a real eye-opener because we, I know that we don't really have a budget, but we kind of eyeballed it and we thought about doing. Oh, your credit's 543. No. Not. You said this is your discovery. My credit is not 543. It says this is your FICO score. There's a copy of my credit report. It's bad. Is it worse? It's not 543. It's worse. It's lower than 543? It's bad. Oh my God. What is it? But it's because. What is it? 474. It's because my student loans hit. We're going to get a house together? Maybe. One day. If we want to get a kid, sometimes we want to get a house with it.

48:33That's classic America. Yeah. Not with that. I know. I know it's bad. Not with this debt to income for either of you. Agreed. But it's my student loans hit my account. None of these are necessary purchases. No. Nope. So this wasn't because I didn't have enough money in my account. There's the American Eagles, Subway, Nora's Snacks, Dunkin' Donuts or Baskin Robbins, Nora's Snacks, Starbucks, the liquor store, McDonald's, going in and getting some bullshit, going in and getting some BS, Starbucks, McDonald's, McDonald's. Oh, late fee this year. This year? Oh, my. Guys. Guys, what is wrong with you?

49:10You have a reasonable aura surrounding you when you talk in this conversation. But then you don't know f***ing anything. I think we're just... I'm ignorant to a lot of her spending, and I'm assuming she's ignorant to a lot of my spending. But give us a little bit of grace, because we are freshly married, so we just combine our finances. That doesn't matter. You should have been making a f***ing minimum monthly payment. I mean, I agree. That has nothing to do with fresh marriage. Yeah, but of course we're ignorant to each other's finances because we didn't... No, you're ignorant to your own. Oh, well, that's...

49:50I never said I didn't have a late fee, though. I never said that. But still, you didn't know you had this. Oh, yeah, you're right. I mean, I get it. I didn't... I thought that I made all my payments on my credit card. You don't do auto pay, either. Credit card. No. Well, you don't have, like, the missed payment. You were late. Oh, well, that's not... Did I get a fee? Yes. Late is where it hits... Or missed payment is where it hits your credit. Oh, okay. That's why I didn't sit there for a bit. Gotcha. Glad we cleared that up. I didn't know that. I didn't know the difference. I thought late fees hit my credit karma as well, not just a mispayment.

50:25Also, credit karma is not perfect. No.

50:31So what are we doing? This is Norris Snacks and Dunkin' Donuts and all this shit. It's so much bullshit. I know. And it's while I'm on the road at work. I don't ever just leave my house to go to Norris. Pack a fucking sandwich. You guys are women. Oh, so we should be in the kitchen? Yeah, let's be a little sexist real quick. Oh, okay. Real cute. Okay. Okay. Yep. We should be in the kitchen. I don't always have a refrigerator or microwave access to me. Guys, we have a kitchen here if you guys want to touch it on your way out. Oh, cute. I was already in there. Thank you. Oh, classic. It's the first place to live.

51:05There's not always a microwave or a kitchen available to me, so it's hard to pack something. No, no, no. That's called a cooler. Yeah. She has a lunchbox. I do. I have an insulated lunchbox. Then it's not a very good one. Yeah, it's not a good one. Then get a better one. She just keeps buying lunchboxes. Actually? Yeah, I'm on like my third lunchbox. What are you doing? I feel like I just never have enough room. No, she just likes to spend money. So she sees a lunchbox that's cute, so she spends money on it. I actually bought one that included containers and a lunchbox for a cheaper price. And you equally use none of them?

51:40Yes, I do. Well, then what is all this then? I can't pack a coffee in a lunchbox. You can do it in a thermos. Yeah, but I like my stuff cold, not hot. Then make it cold in a thermos. What do you think a thermos does and maintains temperature, you dumb tit? The cold, I don't like watered down coffee. And the thermos always keeps it cold, yes, but the water from the ice. Then put a non-melting little ice pack in there. In my coffee? at capella university learning online doesn't mean learning alone you'll get support from people who care about your success like your enrollment specialist who gets to know you and the goals you'd like to achieve you'll also get a designated academic coach who's with you throughout your entire program plus career coaches are available to help you navigate your professional goals A different future is closer than you think.

52:33With Capella University. Learn more at capella.edu. A little thing, you know, it's like plastic frozen with water inside. It doesn't melt. The woman was too stunned to speak. I don't know what it's called, but we know what I'm talking about, right, guys? Like a reusable ice cube? Yeah, like that kind of. Or like a little bowl. The plastic bowl, some people put it in their whiskey when they don't want it to water it down. Oh my f***. I was unaware. I didn't know those existed. You're obsessed. with Amazon? Just look things up. I wouldn't say obsessed with Amazon. We really don't go crazy on Amazon.

53:06She brought that out of her butthole, but she didn't. It's not like we go crazy on Amazon. We don't spend hundreds and hundreds of dollars a month. So how long do you guys think you're going to stay married? Forever and ever. Forever? Yeah. 27.24 % interest rate on here. It's a little bit better than the case. Oh, that's your name. That to me. Huh? Then what? The case. The K-Jewelry card. The other card. It's 31%. Apple card. Who's this? Mine. What's going on?

53:40I opened that card originally like five or six years ago, and I bought an iPad. Yeah, I don't use it. No one uses their iPads except for... Yeah. But I opened it, and I had a line of credit, and my life kind of went sideways, so I maxed it out. A lesbian breakup? Yep, lesbian breakup. I moved out of the house, and she took all the furniture and everything, and I was stuck paying two months of rent somewhere I wasn't living. Then I couched her for six months. Excuse me. I've just kind of been in a hole that I have not tried to get out of. Not tried? I mean, monthly minimums, but I... Yeah, it's going to take 10 years.

54:26Yeah. Before I already, too. I haven't, like, sat down and been like, I'm getting out of this now until recently. Yeah, but then you guys haven't done anything. You still spend... You discussed, well, let's get out of this, and then you still spend more than you brought in. Yeah, I agree. We need to sit down and have a conversation, but... I thought you guys already did. I was just said. Yeah, we talked about getting out of it, but it's not like we set up a plan. We haven't set up a plan. What's the point of talking about getting out of it if we're not doing the action required? Well, it's hard whenever I see her like two times a week because we work opposite schedules.

54:58So it's hard to just sit down and play. You guys never see each other. This is the one day off I have a week. This is why you guys have lasted longer than most? Maybe. No, we like each other. I mean, we like each other, but like a lot of the times it is because we only see each other on an hour at a time. Yeah, like Wednesday nights and Sunday nights are the only time we really see each other. That's crazy. How the f*** are you going to maintain a healthy relationship, honestly? I like her. Like, not joking. I know, but how are we going to maintain a healthy relationship? You can like someone and it doesn't have to be healthy.

55:26I mean, I don't... Because if you see each other two hours a week, that's brutal. Yeah, I mean, yeah, it's tough, but it makes those moments more cherishable. Yeah, but it also makes it impossible for us to have hard conversations because you don't want to spend those limited hours to see together. Which I agree, but I feel like with our limited amount of seeing each other limits the amount of hard conversations that we have to have. But we need to have the hard conversation now with this. Like what? I mean, yeah, obviously this. Finances. What do you think? What show are you on? Dull. Okay. I just feel like the hard conversations are very limited because we don't see each other.

56:01Well, so you guys are barely married. But we also don't have the arguments over stuff like that. Because whenever we did sit down, obviously we didn't go into any kind of action plan. But whenever we did sit down to talk about this, it was a very pleasant conversation that it was just like, this is what's going on and we need to fix it. You know what's interesting? You're the butch mask one. Thank you. But you have a more feminine voice. You have a more masculine voice. I also have a scratchy throat because I have allergies. Not a cold. This isn't not a cold. I don't normally. I mean, I guess my voice is about the same.

56:36I have a very feminine voice. Yeah. Oh, that's, yeah. $48 minimum fee payment,$1 ,493.019 owed on here.

56:46No purchases that month. I honestly think I'd be a fantastic lesbian. I'll be completely honest. I agree. Honestly, you have a very masculine, like a feminine, but also masculine. She has a girlfriend. Yeah, he talked about it on the show. Do you yell at her like the illness? Yeah, whenever you yell at her, do you go, ah! I'm going to yell at her. I don't know Does she have good finances? Because you guys are dumb Is she dumb? Does she have good finances? Yeah I did think about it a bit It's not like we replicate this show In every instance In every aspect of life Your first date is this

57:31Okay I don't see interest accruing Caleb these papers are stressing me out. Can we straighten them? Just a little bit? No, I'm not. No, OCD maybe. If anything, she's got a little bit on the spectrum. She's agreed to it though. She's agreed to being on the spectrum? I mean, she agrees that she... I mean, it was her thought. She consented to being on the spectrum? I'm confused. Okay, anyways. Oh, Big Lots, great. Hey, they closed though. so huh big lots closed yeah probably not the bank servicing it though no but I'm just saying that I can't spend any more money on that card because it's not available to other stores no oh they closed the card they closed I mean technically yeah because it fell off my credit but obviously I still have money on it well it better be because you're over the credit limit yes the interest just hit on it too yeah but if you make your minimum monthly payment and you never miss a payment you wouldn't be above the credit limit that's not how that works mathematically wouldn't be above yeah I have.

58:35Have I missed a payment on there? Potentially. I see a fee this year, but it's not very long. But I can't see last year. Oh, we just got that. Yeah, at the end of last year. I bought a couch on it. Sick. Yeah. You owe$1 ,287.48. Minimum of the payment,$46. $34 minimum of the payment made. That's less than the minimum required. Maybe that's why. It just went up. The minimum went up? Yeah. Why would it go up? The interest just hit on it. Deferred. Oh, I see it. Oh, I didn't see it. Oh, that's why it's above. It's not because just random interest is accruing. It was deferred interest. This is the second time.

59:16Second time you've allowed a card to just have deferred interest hit. Why the f*** are we buying things and not doing the minimum monthly payment required to pay it off before the deferred interest hits? Because I'm okay with 0 % financing things, but you got to be strategic. Well, that one, it was the payments had to be higher than the monthly. Yes. That's how it works. I was unaware of that. For fuck's sake, you can do math for three seconds. The statement came in my email. It said, pay this much. I paid that much. I did not. Why don't you look at things? I don't know. I just don't. Do you have any care in life?

59:52What do we care about in life for you guys? I'm making sure my bills are paid on time, except the Discover card. The correct bills, though, because also now this has just hit$376.17 of interest. Meaning, in my mind, you did not actually have the bills hit. In my mind, the important bills are rent, car, and electric. These are important, but they're not, you know, necessary to live. Now you have to pay more. Yeah. And if you want to live in a house, they are necessary because they're f***ing your credit. Yeah.

1:00:26So I don't understand what you're talking about. Okay. I understand what I'm talking about Does it sound reasonable? Yeah Do you agree with her take? No I don't because these are bills that we put on ourselves So they're obviously necessary to pay off But I don't know Yeah our rent's paid so I guess that's where she's coming from And our dogs are fed Yeah parts not horribly difficult But It is when you have five dogs I have two and I get like the best dog food and I did before I made good money. It's still relatively chill in the grand scheme of bills. Yeah, I guess. Now a big vet visit, that's a different conversation, but 31.24 % interest rate.

1:01:11And now that is consistently accruing going forward. Yeah. Because we decided not to get ahead of any of our bills. Oh, f*** me. What are we doing? There is so much here. All right, TSC Tractor Supply. Who's this? That sounds like you. Oh, that's mine. Gay! Yeah, uh-huh. The big witchy lesbian, he asked me.

1:01:43$958.41.

1:01:50Here, you need mine? No. Minimum monthly payment is$34. That's not bad.

1:02:03interest is accruing 24 hours 26 cents takes five years to pay off okay what happened what's this It started a while back Whenever I was getting my dog food only from there I haven't spent on it in a long time What? What is it? What do you think? Is it late? What do you think? Don't say it's a late charge She has a late fee this year That's bull

1:02:31She has a late fee this year That's not surprising I didn't know that Is it just one? Does it just show one? Maybe we should consider auto pay honey Consider 33.24 % interest rate What the f*** What the f*** I got it whenever it was on one of those promotional things and spent money on it and haven't really thought about it since then Great, that's a quick path to financial success But I needed dog food So like I needed the card Yeah but you need to Put it on the credit card Or you guys got dogs When you financially should not have Because you are responsible for them Oh well that's agreed We just got a dog last year Why do you guys have five?

1:03:19Because I Oh shoot I have two She had two And then we just got a puppy He's a year old now Why? You guys want to bring kids too Yeah I know It's going to be a Chaotic Yeah, it's going to be wild and crazy. Is it an apartment? No, it's a townhouse. But our last dog that we just got was kind of like a spur of the moment type thing because one of our friends was trying to breed a dog and they ended up being the wrong type of breed because the wrong male dog got a hold of the female and she had an extra dog and we were like, yeah, we'll take him. Okay, who's the American Eagle? Me. $334.69. Yeah, because we have to spend$100 on a pair of jeans.

1:04:00Oh, for f***ing shit. It's not$100. It might be my sweatshirt. Sorry. Do you want me to move it? No, you're just not even wearing them. Oh, my jeans. Well, there's a reason for that. Are you pregnant? No. No. Why? What's the reason for you not wearing the pants that you spent$100 on? I'm bloated. Oh, she's on her period. They're not comfortable whenever I need to get a new pair. Yeah, so one week out of the month, every single month, she can't even wear the jeans that she spent$100 on. Also, I'm in scrubs almost six out of seven days of the week, so I hardly wear the pants that I actually own.

1:04:40$334.69. Minimum fee payment,$30. Purchases you're purchasing on here still. Yeah. Yeah? Like, that's okay? That's okay. They had promotions, and I bought a pair of pants. Doesn't matter. That means you're making them money, and you're f***ing yourself. for a pants that she doesn't even wear for a pants she doesn't wear because she's in scrubs all day she just said that herself yeah but I like looking nice and the pants fit comfortably well you look fine you look fine I like the pants that I put in there I mean I look fine too we're both dressed basic as yeah $30 minimum payment $14 14 months to pay this off yeah Yeah.

1:05:27Purchasing American Eagle. Okay, let's see here. No fees this year, surprisingly. Hell yeah. $29 in interest. That's at a 34 % interest rate. Yeah, let's keep purchasing on this card. For jeans that we don't wear because we're in scrubs all day, every day. I also don't just buy jeans. You know that. Who took whose last name? Did we do that? I haven't done it yet. Are we going to? Yes. I'm going to take her last name. Parents probably not happy We pretty much cut them off Really? They may or may not know, who knows My ex probably told them Just like he told them that I was dating a woman Oh yeah, the ex likes to stop all of our stuff And tell the parents everything I can see him taking it personally Because you guys kind of His last two girlfriends previously ended up gay too So it's not a me problem It's a him problem The number one YouTube membership just got upgraded.

1:06:27Three exclusive shows every day, Monday through Friday. Financial Audit post shows, exclusive and uncensored financial audit episodes, our call-in show, Hammer It Out, and brand new shows, Fat and Fatter. That is... That one is... I would go off-brand. Behind the Audit. This was wild. shop smart.

1:06:58And now, upgrading from one live stream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Join Hammer Elite, the best membership on YouTube today. You in the middle or have you feng swole? What? Swung full. Well, I'm married to a woman now, so I would say I went full. Oh, I don't think that. No, no, no, no. You can still have different sexuality. Yeah, but I'm not interested. No, thanks. I'll pass on the penis. She's being very defensive right now. No, I'm not trying to be defensive. I'm just saying. That was a sassy and a casual question.

1:07:36No, she's sassy. So I wouldn't be surprised if it sass just came at you the rest of the conversation. Yeah, she's kind of a b****. $25 minimum monthly payment. Okay, that was rude. You don't like that one? No. I mean, I can be a b****, but I'm just trying to be nice. No? $300. That's the limit But you're at$297.20 Whose is this? Mine Oh this is Capital One Platinum card Is that me? I think that's me Well it's maxed out at$300 Does it have a name? No Is it Trish or Carey's? Does it have any spending on it? $44.70 I think it might be mine 15 months to pay this off We're going to Raising Cane, Starbucks, Gordo's mini tacos But the tacos, though.

1:08:24I'll have to. Do you guys, okay. Do we want to have a kid or not? Because so far in at least this side, no. We don't really care. 22. So we still want to like live. Still want to live young. Go crazy. I don't necessarily think that. I don't think that I want to go out and have fun because I feel like a typical 22-year-old is trying to go out every night and have a good time with friends. Every night? I don't know. We don't go out ever. I don't ever go out to a nightclub or bar. Well, you see each other two hours a week, so I wouldn't think you would. Okay, but I don't even go out with friends.

1:08:58Well, you have to be home for the dogs. We already know this. Yeah, but even if I had dogs, I don't have any friends. Yeah, but you're still finding your weirdy splurge. You're still finding your way to f*** around. Okay. It's pushed off to something else. Yeah. Food. Yeah, it's just food. Constantly. Interest accruing this year so far. This is crazy. Before we came in, we were talking about, you know, having kids and stuff, and I thought maybe you would want to donate.

1:09:28I mean, you're smart, and I would like my baby to be smart, so we were just talking about it a little bit. Just an idea.

1:09:40You don't know how to talk to him about that one. No, this is the only joke I had It was desperately inappropriate Freedom card Yeah By the way, I don't think I can have gay sex Gay sex Okay

1:09:59That's not how donating $40 a month Is the minimum payment on the freedom card Whose is this? Mine Okay Rinse takes your laundry and hand delivers it to your door expertly cleaned and folded. So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. Mmm. Or this tea time you. Or even this tea time you. So did you hear about Dave? Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. It's a 383.47 What's going on with this card? Anything?

1:10:46I don't know. Are there any late fees? No interest. Actually, it looks interest-free. Wait, the whole card is interest-free? This is interest-free until a couple months from now. Okay. So we need to take care of this now. Okay. Or else it's gone. And there's no purchases on that one, right? No purchases on that one. Any late fees? No late fees. Petco, who's that? I did get on one. Oh, that's mine. We buy the dog food only from Petco now. Oh, okay. It was interest hitting$6.47. We're at a balance of 201 on a credit limit of 250, so that's not great. What's your credit? Do you know? Mine? Like 2, 4, 6, 6, 18?

1:11:23Something like that. What? 6, 18. Okay, 618. Gotcha. Yeah, interest is accruing this year so far. It's at a 36 % interest rate. Yeah, I didn't. I think that was one of the ones I got on a promotion thing too. Why? We just buy the dog stuff from there. Who's quick, Silver? Mine. Okay. Credit limit,$500, but we have a balance of$426.08. Transactions,$56.21. So you're purchasing on a card that is accruing interest that you cannot pay off. I thought that was only for her to do. But you're doing that now, so what the fuck are we doing? That one was because my debit card got locked because they thought that there was fraud going on, and it took them like two weeks that they I got the notification that it was locked and then two weeks later you definitely did that's all I did on that one yeah cause I get my Red Bulls and my snacks on the way to work yeah Red Bull snacks Red Bull snacks Red Bull snacks Red Bull snacks Red Bull snacks I need caffeine to survive though it doesn't taste the same no it doesn't but you're poor even though you guys make a lot of money you're poor how does that feel that's not great Imagine making a really good income above the median for the household in this country and in San Antonio and in Texas.

1:12:44But you guys are poor. Yeah, double homicide. It feels like shit. But it's what you guys are doing. What? I see something. What? I also feel like we're not the only ones that are poor that make a D.C. income. What does that matter? I guess I'm just. What? Who gives a f***? I mean, it's hard not to compare, you know? Yeah, what? That is just a desperate cope? A cope to make yourself feel okay for being pieces of money? No, who cares? Okay. If someone does three puffs of meth a day and you do one, it doesn't make you good. Yeah, you're... What? Nothing. Oh, come on. You know her. I feel like she's holding back something.

1:13:31Yeah, she wants to call you a dumbass or something. She's calling to spite us. Huh? I mean, you're just a smart. Yes. I get it. It's cool. Yeah. The show that you watched that you applied for. Yeah. Yeah. Uh-huh. She just, I think she just wants to justify her petty spending whenever. It's only a little spending here and there. It's not though, but I understand it's just an immediate. It's not a little spending here and there? Right. That's all it was. It's a big spending here and there. No. Are you, what are you talking about? We just went through your statements. It was a ton of little spending.

1:14:01Yeah. But it adds up to be a lot though. That's what I'm trying to say. Okay. What's the point? She just wants to fight. That's it. That's just a defense mechanism. I automatically just want to tell you to shut up, stop talking. But I wouldn't do that. I mean, I can, but I wouldn't. The whole point of this is for you to shit on us, but it's just irritating because, you know, shit on us. But because it's also true. Yeah. And it doesn't feel good. Yeah. You have to recognize that for the first time in your damn life. Okay. Carry on. Maybe deal with your shit and you won't have to be shit. Yeah. But I feel like I need somebody else to bring it up to me before I can do it myself.

1:14:42Of course. Okay. No late fee on this one. But interest is accruing like crazy. Again, it's just energy drinks and snacks. Come on, it's not good for you either. Yeah. Should I have a kid? Yeah, but I need caffeine. I just need it. If I didn't have caffeine, I would be a piece of a person. Guys, if we're trying to make a little hammer, we've got to. Is he agreeing to it? We've got to all come together. That was a yes, guys. We'll all come together. 28.99 % interest rate. Please, women don't come when they're with me. Oh. I'm very sorry for your girlfriend. At least it's fine. It's just you're straight.

1:15:3128.99 % interest rate. Okay, so this must be your Quicksilver then. I don't have one. You have double Quicksilver? Yeah. Well, the first one, one of them is a Walmart card. Oh, this one's also basically maxed out. The Walmart card got bought out by a Capital One, so it's now just a Capital One card. Did you see that Discover also got bought out by a Capital One? That just happened like three days ago. Uh-uh. $719.04 Minimum monthly payment $25 Four years to pay this off No purchases but$17.62 Of interest is occurring So I mean that was basically maxed out So I mean yeah not much in terms of purchasing Could be done but that's at a 30 % interest rate And we keep going Care credit Okay what's going on with this Dogs Hogs?

1:16:22Yeah, the little one had to get his year checkup and his balls chopped off. Yeah. Okay. Well,$268.37. Minimum of the payment was made. $30 for the minimum. $8.06 of interest is accruing. It takes 11 months to pay off. But that one's on, is that one on deferred interest or no? You said interest is accruing? Oh, my. There's been, I think, a late fee this year. For what? We just opened it. And then you didn't pay? No, I just opened it like two months ago. What is the fee? $30, which is typically a late fee. There's also a 33 % interest rate on this. No, it is not interest free. What? I thought it was like a six.

1:17:09So not only were you not paying, but it's also accruing interest. Yeah, but I thought that it was like six months free if we paid it off within six months. That's not it? I guess not. Oh, okay. That was one of the promotional ones, too, where if you spent a certain amount of money, it was zero interest for however many months. No, it's not. But we— It's literally not. We had it for a while, but then we didn't use it, so it closed, so she had to get it open again. Okay, what am I seeing on this? I'm seeing count name, best egg, cross river. Oh, that is how we pay our rent. Oh. Is it a debt? No.

1:17:50I mean, technically it's a loan, but we pay. But it's paid every month. Yeah, we pay half the month of the first and half the month. Who has collections? I do. You're 22. What? What is in collections? Because whenever I lived in my previous apartment before I moved in with her, I guess I technically broke the lease, but I also made sure to do it correctly, I guess. The apartment complex was a very. What the f*** does that mean? apartment complex. They had, there was some type of leak on the upstairs apartment. It caused mold to occur in my bathroom. I reported it. They didn't do it within seven days, which is like what was in the - Did you report it to any city agency?

1:18:30Try to get some law firm, anything? No. Pro bono? I just wrote a letter to the maintenance guy or to the management and I was like, I'm leaving. You just left. Yeah, because they didn't hold up their end of the deal. Yeah, I agree. Is there a way But this is in your account. when was this I don't think so this is so hard because you're going to have to prove that this is word now okay well you owe it yeah I'm not paying it the f*** is this I think that's my card so we don't want to get a house because it's at that point we're just talking like that could boost your credit by like 30 points that's not my number one priority sure I'll pay it but I'm not doing it yeah but that could boost your credit the quickest really yeah getting rid of collections okay then maybe that needs to be a higher priority for me it just depends on what you want and what your goals are I mean yeah Our goal is to buy a house and have a kid but I didn't realize that paying collections was first priority to get my credit score to go up.

1:19:24I'm not saying necessarily first priority but it can have some of the quickest effects. Depends on the entire situation because you have so many maxed out credit cards that could be one of the quicker ways for an immediate effect. We have a balance of$21 ,540. It's my car. What do you have? A 2020 Honda HRV. Interest rate is 5.54%. It's not the worst. Yeah. It's because I'm the co-signer on the car. You're the co-signer? Uh-huh. Don't look at me. Who is it in? Whose name is it in? My ex-husband's.

1:20:00Really? Mm-hmm. Okay, and how's that? Fine. Payments are made. Are you guys on talking terms? No. But when we wrote up our divorce, we wrote up a paper basically saying that I was responsible for any damages, payments anything like that both signed it had it notarized and that's all that's been said that's one of those things that we do have pretty constant conversations about because i would like to get it refinanced even if i have to be a co-signer for her but i want his name off of it yeah how how how how did you and the guy meet uh we went to high school together okay we lived in a really small town.

1:20:40Okay. Yeah, that's a sore subject because every once in a while he'll show up out of the blue and start about, he says it's about the car, but it was really just attacking. Yeah. I just recently blocked him like within the last month. I kept the communication open in case, I don't know, maybe I was able to refinance it, just something. And then it ended up being something that had nothing to do with the car. So I did end up blocking him because it wasn't for the car. It was the purpose of stirring some just to be an ass. But I know that both of our credits are pretty trash right now, so we won't...

1:21:15Yeah, refinancing would be f***ed right now, to be clear. And the interest rate on the car is pretty low. What do you think it's worth? You owe$21 ,540.04. We just looked. Minimum monthly payment,$50 ,477. We just looked. I think it said$15 to$17. Sounds about right. We're getting about$18, but yeah. There's damage to the back of it. Yeah. Yeah. Okay, so we're underwater for sure. However, we could save ourselves maybe about$5 ,000 getting yourself a 10 ,000-hour car, barring the difference to pay this off as well by selling it. Ugh. I don't want to sell my car. It's a car. Who cares? Who cares?

1:21:55It's like, do we want to get there or not? Yeah. We can do a lot better. Mm-hmm. We can get to where we want to get. I'm guessing the Jeep is you then. Yeah, the Jeep is mine. Okay, so smaller balance. $9 ,328.60. Minimum monthly payment $392.52. Okay.

1:22:21Okay. Yeah, it's almost paid off. That was my first big purchase by myself. I'm an unpaid balance part though. Is that not the total that I owe? I can't tell. What's the interest rate on this? High. It's like$8. That was my first purchase by myself. Well, it's worth about the same. Just about the same, yes. She's not going to sell her car. I'm not saying to. Her car's at a reasonable price for you guys' situation. Okay, sorry. You're going to sell your car. I would like to refinance mine just so that 8 % was lower, but I know I only have about a year left. That was my first big purchase, so I did take the longest loan, but I have had it for five years now, so we're getting there.

1:23:04Okay, student loans, who's this? Under? Me. I think those are mine. How much is it total? $29. F*** me. Are payments started? Kind of. What? I didn't realize that the interest had started accruing on the payments, so I missed a couple payments. That's why my credit score dropped so low. What's the minimum monthly now? I don't know. She just signed up for the income-based one, so it's on— It's so weird because you guys do not have bad income, so I don't know. Your payment would honestly be, if it's$29, maybe$250, you can totally afford that. Why the f*** would you be on something special? Why should you be?

1:23:48I don't know. I guess it's because I can't straight up pay the balance that's due right now. That's because of your debt choices. That's because of your spending choices. If it's income-based, your income can't afford this. You should have to pay in a 10-year program. In that case, they'll tell me that my income-based whatever is not capable. No, they won't because it's dumb. Okay. Well, now I'm based on a 90-day hold and I don't make a payment until they decide. Okay. I mean, I guess it's going to be like 50 bucks because it's always something like that. I think it was like 110 whenever she looked.

1:24:21110. What was? The payments that you were supposed to be making? No. My payments that I was supposed to be making was$304.11. Yeah. Which you could if you weren't spending$900 a month on going out to eat. Understand. Great. Glad we're subsidizing. You're going out to eat.

1:24:39Okay. Yeah. Yeah, past it. Do you have student loans? Yeah. Okay, what's your student loans? It's a little hard to tell who's in here. Oh, that's all mine. Mine are like, there's like six individual. I don't know if mine are in there. It's about$50 ,000. For what? I went to school right out of high school to be a math teacher. I got my associates and dropped out. I went to culinary school in Denver for a year and doubled my student loans in the one year. And I actually just started going to school last semester. Why? Because I want a career. In? Psychology. I want to go to child psychology. For f***s sake.

1:25:30So because you're in school, you don't have to pay, right? Correct. For fuck's sake. Listen, it's not child psychology, but if either of you want a course career certification, I'll give it to you. I don't think it's actually applicable to you guys' situation, but either way. That's crazy. Yeah. Now we're going back in. How much school do you have to do? Is it full four years? I have to get a master's. Oh, fuck, kill me now. All of those are your student loans? And you know this, and you're aligned with this, and you're okay with this. You're okay with me going to school? Yeah. That's just my credit report.

1:25:58It's going to take away time from work eventually. That's your credit report? Yeah. Especially once Masters starts Yeah, but currently Income will be on you again as a breadwinner That's fine, I'll have my certifications Yeah, but you have to pay off the debt too That's why we're trying to get there before I go to Masters I get that, and I'll get a better job You did that, you paid off the debt No, I said I get that And within the next year I'll have a certification In the actual job that I'm doing And I can get a better paying job What will the pay be? Triple? Is that true? What will the job be?

1:26:28A travel contract for ultrasound. Okay. Good. I love that. We'll use that and we'll feel that towards the debt for sure. Okay, can I ask you a question though? As far as travel contracts go, do you know anything about the taxes behind that? Are you a contractor or W-2? That would be a contractor. It wouldn't be W-2. Set like 25 % aside for taxes. Okay. That's all. I didn't know how that worked. If you're a contractor, that looks like all the debt. Is that all the debt? It looks like all the debt. No, that's all. I think that's it. I actually do have something in collections, but it isn't on my credit report.

1:27:03How long has it been? I just got a packet mail. What's it for and how much? It was for the previous engagement ring. But I'm trying to dispute it because I did take the ring back to them. They have the ring, but they still tried to send me. It was like$1 ,500. Okay, I won't write it down. We'll see if that happens. Checking account. $69 in here. It's not good.

1:27:36I don't know what account that is. We all have the same. RBFCU. We both have one individual and we have the joint one. It's the one where Quizlet. Oh, that's mine. So$69. Okay, good, good, good. Going in and getting some bullshit. Starbucks Affirm. That was my computer. getting some bullshit, press coffee, Apple bill, going in and getting some bullshit, press coffee, going in and getting some BS, Apple bill, Spotify, Academy Sports, Jimmy John's, Starbucks. How is this helping us get to the healthiness for baby? This is all bad for you even for eating once a day and making it healthy, right? Disney plus, Apple bill, going in and getting some BS, going in and getting some BS, going in and getting some BS, going and getting some BS, going and getting some BS, going and getting some BS, and going and getting some BS.

1:28:26What are your thoughts on that? I'm just, or sorry, she's just as guilty as I am. So you're okay with it? No, I'm just saying that it's not just me that's suspender in the relationship. Would I say I'm more? Yes. But I'm not the only one. In my mind, if I have it in my checking account and there's still money in my checking account after I pay for it, then I can afford it. Savings$21. Overdraft protection. And this account at$309. That's probably money. And that's so we can get Netflix and courtesy pay fee and Amazon, Big Country, Whole Navy and Target, Raising Cane's, Chick-fil-A, Going to Get Into BS, Bushes, Chicken, Starbucks, TikTok Shop, McDonald's, Amazon Academy Sports Lavernia Lavernia It's a town Okay well that one's not as easy as Charades Mason Donuts Starbucks Store Raising Canes Dutch Bros Dairy Queen McDonald's Taco Cabana

1:29:37Gordo's Any Tacos Casa Garcia Spotify This is endless dude I know. It's bad. We obviously just don't care in our actions. In our actions. I'm just circling. In our actions. I'm just circling back to. Starbucks. Texas Roadhouse. I don't have a way to pack a lunch. Except we literally disproved that earlier. Yeah, but the ice. The coolers doesn't always make it cold. Get a better one. Okay. Or just get a f***ing cooler. Yeah. Travel in a van with five other ladies. Congratulations. They'll be okay with you eating. There's not enough room. Put it on your lap. You have a lap. Do you have a lap? Does she have a lap?

1:30:17Yeah. Put it on your lap. Okay. Go ahead and get in some BS. Gordo's Mini Tacos, Nora's Snacks, Academy Sports, Starbucks, Amazon. Okay, you've had three overdraft fees this year so far. Fuck you. I know. It's ridiculous. Taco Cabana, Dairy Queen. Go ahead and get in some BS. Pop Shelf, Pop Shelf, Starbucks. Go ahead and get in some BS. McDonald's, go ahead and get in some BS. We're never going to get there if she's still like this. yours was not good but you I can tell are going in a direction she is so beyond fucked financially in just her actions where it's like I don't know how we're going to get to the same goals together I don't know that's like one of those hard conversations that we need to have about getting our heads out of our asses and actually doing something productive and in this checking account went in and got some BS and then in Acorns we have 10 bucks yeah I just started that because you said that we need retirement.

1:31:11I mean, I knew we needed retirement. Yeah, and I coins is good. That's all I got. Hey, you didn't even talk about how much was in this account. It's$1 ,000. Hey, it's$1 ,000. You're spending on it. Well, yeah. That's why I don't think the money's going to be there for very long. Our rent comes out of this checking account. I don't think the money's going to be there for very long. Okay. He went in and got some in there as well. Yeah. Total income. The Burlington Coat event is back. Buy a coat now through November 29th and get$5 off your merchandise purchase of$25 or more from December 6th through December 24th.

1:31:43Plus, Burlington is donating 50 ,000 new coats to help those in need nationwide through our partnership with Delivering Good. We've been keeping you warm for over 50 years. We'll see you at our coat event. Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details. Come for the house, 7 ,100. Hey, this is not bulls**t. I'm sorry, but that Petco is dog food and H-E-B is groceries. Did I say those things? No, but you said bull. There's no other bull. I said going inside and getting some bull when you stopped at the gas station and went inside and spent a few bucks. So, f*** you.

1:32:19Your debt minimum monthly payments is$1 ,739.29. Not good. Rent. $1 ,650. Utilities, including internet.

1:32:35Internet? Well, Internet's in her phone bill. Internet's 40? What about utilities? Gas, electric, whatever. Oh, all of it? Electricity is about 130. Yeah. And trash. Oh, we don't have gas. Trash is 104 every three months. Yeah. Oh. And what was electricity again? 130 on the highest end. Cool. So I'm going to say 164.67. Phone bill. Mine's 120.

1:33:10What's your phone bill? Do I not include the Wi-Fi? No, say everything together. Okay, the Wi-Fi on my phone are 145 a month. So I'm crossing out the Wi-Fi from before. Yeah. $265. Gas. Room, room, drive, drive. About$250 for both of us a month. Car insurances? $340 for both of us. Okay,$600 for groceries. TP fund,$250 for, well,$200 for anything else you guys need in your life. For example, your bloat. Medical health care, anything that is required? I had that since I was in school And I couldn't afford health insurance I did like the free health insurance Or whatever that you sign up for So that No you talk about how much you spend We don't have health insurance You don't have health insurance That's where I was trying to get at What the fuck is wrong with you guys Just get health insurance It's expensive I can do it through my job But I have to wait for the enrollment to open Let's get health insurance.

1:34:21We'll just get you bottom of the tier, just 500 bucks. A month? Bottom. Oh. Like the worst you can get, but it's going to prevent you from going bankrupt. Okay. Pen insurance, how much? None. What are you guys doing? What the fuck are you guys doing? My dogs are old. They're both 10, so I can't. Okay, so not that. What about those? Yours? Ages and health. Oh, four. Four? And healthy? So two four-year-olds? Yeah. Two four-year-olds and then our one-year-old. Get them on pet. 105. Get them on pet insurance now. Oh, that's not bad. Well, it's going to be like 105 to 120. Let's just do 120. Okay. Okay, gym.

1:35:0439. Dog food.

1:35:10$70 every week. $70 a week? Yep. 280. to you? Anything else that needs to be in your budget that I have not taken into account? I don't think so. No. Guys, we have room. You need$6 ,147.96 to survive on a monthly basis. $7 ,000. Okay, so you have$952.04 left. Sorry. So stupid. There's no reason to be in this debt. It's just your irresponsible spending. We saw where the categories went, and then you overspent on your money. Why'd you fuck with my pile? We didn't. If we minus the suit of loans, our debt is$51 ,959.21. Now, you are going to get that pay raise, which I'm excited about. But even if you didn't, you can still do this, and it would actually take quite a while.

1:36:08It would take about four and a half years. Call it five and a half years, fully funded, emergency funded, everything. but you're probably going to do this in like two and a half to three years. Just buckle down. Just buckle down. This is just a budget situation. This is not a crazy like do this, do this, do this. If you guys budget, your pay goes up. If we stick to our means and we just track it, use the budgeting app, do whatever you got to do, have the conversation you need to have, go through our educational programs, go through that, stay disciplined. You guys are out of debt and you have a fully funded emergency fund.

1:36:41It's pretty simple. It's just time. What you have to do is to simple and communicate, sit down and talk about our monthly basis. Okay. Okay. Guys, join us in the post show. Join hammer. Link in the description below. I'm about to give them their hammer financial score, but join that the best YouTube membership on the platform and we will have a nice juicy post show. There's always something that I don't know about something we didn't get to talk about. I don't know, but spending it in a budget. You guys are zero out of 10 because you spent more than you make debt collections. Zero out of 10. Emergency fund is$1 ,000.

1:37:15That's one out of 10. Retirement, zero out of 10. Real estate, zero out of 10. Okay. Well, hand financial score rounded up 0.5 out of 10. I'll see you guys in the post show. Make sure you download the budgeting app. Sign up for the annual version. I'll send you the cookbook and notebook signed by me. That can't be purchased anywhere else, and I'll mail it directly to you. See you in the post show. Bye. What is the tax situation? I don't know at all what happened. How? That caused a big strain in our relationship for a good three months. Why the f*** do you possibly owe taxes? Who owes taxes? Both of us.

1:37:50What do you owe? About f***ing. What the f*** are we doing? You're both equally as f***ing elusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content. This next one's for all you CarMax shoppers who just want to buy a car your way. wanna check some cars out in person uh-huh wanna look some more from your house okay wanna pretend you know about engines nah, I'll just chat with CarMax online instead wanna get pre-qualified from your couch wanna get that car hey, that's a beat you wanna do it your way wanna drive?

1:38:33CarMax