The Most Evil Woman In Financial Audit History

21:32Because she forgot it happened. Because it wasn't that big of a deal. No, we were all drinking. The context behind it was my sister was standing in front of the trash can, blocking the trash can, and I smacked her on the side of the butt to get out of the way. I didn't walk up and grab her ass and be inappropriate with her. That's what your sister was trying to paint the picture in the red. Yeah, that is kind of crazy. So when I asked him about it, it literally went from, oh, it was a joke. the second day I asked him about it oh I thought she was you which she's a foot taller than me blonde hair looks nothing like me so that confused me because to me it happened in the moment and it didn't even matter because it wasn't a big deal and I was drunk when the whole thing was when that whole day basically and to me you were taking a part of the fact that the other bigger problem that we were having and you were trying to pin something around so it would take the blame off of you no that was not the case I was confused well that's how I took it It's just tit pics, tit pics, tit pits.

22:23It's all you send to these men. It's just tit pics. They're not literal titties. I deleted that guy. I stopped talking to him because he was creepy. Yeah, two months into your guys' relationship. 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? Well, they're going to 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.

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24:06Well, was he creepy? How can you say someone's creepy if you're the one sending borderline news? Because look, he saved every single one like that. Like, what? It's Snapchat. chat. Also, stop sending them then. Are you... Touche. I get it. I mean, come on. That was a long one. Yes, it was, but you're continuing it two months into the relationship. When was that taken? That was so long ago. Guess that picture! That one picture, though, that's what he's trying to say. You continued sending pictures. It doesn't matter what it was. And all these people, like, you stopped talking to them, what, two weeks ago?

24:38Because two weeks ago was the last message. I don't know. Two weeks ago! Guy? Yes. No, I stopped talking to him so long ago. No, two weeks ago was the last message. Well, that's because I left him on read, and I've continued to leave him on read. Maybe. I stopped talking to him so long ago. What? Oh, nothing. It's just a different app. You have a lot of notifications coming in. Oh, I don't like, I don't check my notifications ever. I don't know, man. And then why? Okay, so you guys just broke up, and I haven't gone through them, But if I do, they're probably crazy. The other thing, she never did it until after the 4th of July.

25:19Put anything about me on social media. I don't have social media. That's a bullshit because I put... Okay. You were on my story multiple times. There was a picture of my hand holding a drink while we were at dinner. You can't tell it's me. There was nothing that showed actually me and you together. It looked like you were just on a date with some guy taking you out to dinner. That's how I felt like you were treating me. Just somebody to help you get through your divorce and rebound off of. which if that's what I wanted to be, I told you in the beginning, that's what it could have been. We could have just had sex, had fun, then that would have been it.

25:49No, I was just being careful. But you told me that you fell in love with me and that you loved me and you cared about me, but all of your actions were showing something completely different. Well, talking to other men? I do love him. Well, talking to other men, though. Not sexual. Have we seen those pictures? She's still talking to this man. Now, this photo is not from while you guys were together, but she's still talking to the guy she sent this to. That was a long... Put that out there. It's just a little booty. No hole. Okay. You're fine. That's a long... Who's that guy? I mean, this is like titty.

26:22And you used to be fat. I'm glad you're not anymore. I was pregnant and postpartum. That was pregnant during that time? No, that was after. Oh, then shut the fuck up. I gained a lot of weight when I was pregnant. Clearly. You're not anymore. So that's why I'm... Thank you. Feeling okay. Calling you a fatty. That's okay. I know I was fat. I was big. No, you're fat. Fat. Okay. I felt like she was definitely keeping options open. Yeah, sure. I mean, what was the social media thing? What was the big issue? That wasn't, I wasn't trying to do that. I don't have social media. So how are you supposed to know or not?

26:54How are you supposed to know if I post you or not? Because I would see it on, when I went through your phone, I would look at it. She talks to so many men. It's crazy. I won't talk to them, though. No, you just send cleavage photos. You can Snapchat without talking. But you can also talk on Snapchat. But you send cleavage photos. I'd rather you talk than do cleavage photos. You can also talk and type something in those pictures too. Those are the ones that they just happen to save. There could be other ones where you guys were actually having conversations on, but because it's Snapchat, it's all deleted.

27:20Now, that's the thing. Here's the thing, and this is what's crazy, and we're not going to go through it in detail. If you guys just broke up a week ago, who are you recording these to? Oh, my goodness. Those are... Again, we're not collecting them. We're not clicking on them. We're watching them on camera, but we know what they are. Yeah, she sent that to me. Yeah, that was really good. Why? When you guys broke up? Yeah. Yeah. Check our notes. Huh? Check our notes. We had sex yesterday. What notes? Oh, so what are we doing? What notes? What are you talking about? I don't know. Notes. Go to notes.

27:55Note? Yeah, go to notes. He's going to see a lot that he probably doesn't want to see, but. Well. I thought we.

28:05We're on a break, meaning that we are actually broken up. she's not living with me anymore, but we did have sex. Yeah. Twice, three times. This is one of the weirdest things I've ever seen in my life. No, it's a collaboration. Okay. Yeah, you guys have a collaborative folder of every sexual... What is this relationship, guys? What is this relationship? It's complicated. I still care about her and I love her, but I broke up with her because I did not want to keep going down the vicious cycle of not seeing anything change. We have great sex, though, so we've had sex a few times after. Phenomenal.

28:38Well, you guys are broken up. Yes. So what am I repairing? What do you guys want? I want to be able to trust her again and actually her change and make a permanent change. And not just stop talking to one guy that I caught her talking to, but can stop the behavior of talking to all of them. So on your phone here, again, did this, who'd this go to? Do any of these go to anyone else? No. Would we know? No, I don't. Would he know? I wouldn't know. Do you trust that they go to no one else? No. There's no one else. But you guys have been broken up for a week and a half. Yeah. I know. I just, I don't like sleeping around and doing that kind of stuff.

29:22Sure, Jan. You started sleeping with me two months after you broke up with your husband and slept with somebody else before that? Yeah. Okay, a rebound I'm not freaking out about. Okay, okay. Okay, well now, great. I know what you look like naked. That's wonderful. It's pretty nice. I guess it's fine. It's good. Yeah. It's a little hurtful. I mean, that's crazy. That was him. That was him. He wanted that so badly. Y 'all are wild. Okay. And I like wild. Wild's fun. But the thing is, do you want to get back with her? If we can rebuild trust. Not unless it's something permanently changed. Yeah. Like if things were actually changed and things were actually going to be different.

30:03Yeah. I could see a future with her. So you guys have a good sexual relationship, clearly. Yeah, and when things were good with us, like we have fun together. Us going out and doing stuff together, we have a blast together. When things were good, they were great. So what can you do to rebuild trust? What do you think you can do? Because honestly, that phone is riddled with men and it's riddled with cleavage pics to those men and your photos are riddled with your literal just full blasting holes and Teds. And who knows who that's going to? because again, unless... It's not, it's only going to him.

30:34But Snapchat is impossible because as he says, it disappears. And how can he trust that it's only going to him when literally only a couple months ago, nudes were going to someone else? How can you rebuild that? Tell me. Delete every single mail on my Snapchat? Good. He put that boundary in and you didn't do it. I know. So he broke up with you. Did he break up with me because of only that though? Because it's just... Well, the big July thing, which was honestly just crazy. Yeah. Thank you. Now, why would it... No, it was crazy from everyone's end. It was crazy from your sister's end. It was crazy from...

31:07It was like... But why did you not talk to her for six weeks? Because even if I get you guys back to... I didn't talk to her for those six weeks because I didn't see any behavior changing with the Snapchat and the texting of the other men. And then also there was other red flags that were brought out from the 4th of July. The fact that she couldn't own up to her responsibility from the 4th of July. She was trying to pinpoint it on my sister, trying to pinpoint it on me. trying to pinpoint on everybody else instead of owning up for her part of it. I didn't slap your sister's ass. And I apologized to your mom for getting them involved and you still didn't think that was enough.

31:40Okay, where, where, where, stand up. Mm-hmm. Have fun with this chat. Get close to him. Get close to him. Get close to him. Get close to him. Get close to him. Very good. Turn around. What? Turn around. Where did you touch your sister? Side. That's bullshit. You didn't even see it. Even that's a little weird to me. Why are we touching our sisters then? That's, I mean, I would feel a little weird. And it was like move out of the way kind of thing. It wasn't like I didn't walk up and grab her ass and shake it. No, but you slapped it. I like moved her out of the way like this. Yeah, but why is it?

32:10Why does it have to be? For a trash can. Why does it? I don't care what it was for. Like moving her is fine, but why can't it be back? Shoulder? Yeah. I don't know. Anything else? Why does it have to be cheek? Because I was expecting it to, I was expecting us to get a little here. Yeah, maybe it was my hand. That angle was bad. You did full. No, I did not hit full cheek. I hit the side of her right here. Nah, dude, when you just grabbed, I saw a cheek. Okay, well, I hit the side of her. So I confronted her, asked her if she was okay with her brother slapping her ass, and she was like, oh, yeah, it's cool.

32:41It's like a joke. Because I didn't slap her ass, though. Weird to them, and that's okay. That's weird. Okay. But why did that trigger? He has all these boundaries, and then I can't have, like, that doesn't seem like it should be a boundary. Well, going forward. Going forward, sure. I mean, you could say, yes, it's weird. Let's not do that going forward. That's fine. Would he not agree to it? Yeah, but he changed his story three times, and that's what made it so confusing. Because you were arguing with me about something to me that wasn't a big deal because I wasn't being inappropriate with my sister.

33:10No, you even said at the end of the conversation it made you feel gross. Because you continued to try to paint me as somebody that I wasn't and putting thoughts into my head. So yes, it was making me feel like I did something wrong when I knew that I didn't, though. But anyone else think that's gross? Everyone thinks it's weird. The thing is, if all you have to do is lay down the boundaries and just say, hey, I don't want to do that again, and that's a little weird to me. Yeah. Instead of being like, oh, you f***ing incest freak. I didn't say that. Okay, you might not have used the exact words, but that's what you were insinuating.

33:39You brought the word up. I did not forget. That's what you were insinuating. It wasn't what I was insinuating. I just asked if there was anything else I should know, and that's it. That seems like a very broad question. You've seen it. I've seen it. We've all seen it. The dreaded lack of accountability. Because the thing is, guys, I immediately have at the top of this document loans to each other from each other. Like this is going to be such a mess. You guys independent or you guys together. This is going to be such a mess. Right now we are broken up. I know you are for a week and a half. Yet you're still giving her raw loads last night.

34:12I mean, are you not afraid of pregnancy? Yeah. Yeah. I mean, I don't want to throw that curveball into the mix. No, I mean, I saw those photos. I assume there is no condoms involved here. You guys are way beyond condoms. I like to be a Twinkie. Oh. You're not ugly, but come on. I mean, just like, that's not what I want to picture at this exact moment. Sorry. Very good. Okay, so that's what happens? Are you on birth control? No. Not right now. Not right now because my ex got kicked out of the military and don't have insurance. Close your ears if you're a child or something, which you shouldn't be watching the show.

34:49But did he come in you last night? Yes.

34:55She's on her period, though, so chances are pretty low. Pretty low, not zero. Pretty low. Pretty low, not zero. Okay, fine. Does he come in you other times? Um, the last two, three times he pulled out, but before that, pretty frequently. You're lucky she hasn't gotten pregnant. We've had a mishap. We have. What? We've already gotten pregnant. And she had a miscarriage. Yeah. Jeez, did you want to have a kid? We weren't trying to. We just weren't doing anything to stop it. Were you going to? Would we have had it? Yeah. I don't know. Were you guys prepared? She said she doesn't know. No, we weren't prepared.

35:34Our relationship was shit at that point. It's shit. It's been shit. When was it ever good? You had a couple good days. Yeah. So when did you get pregnant? We found out around April. For sake. So literally when she was sending the dude other nudes. No, that was before. That was in March, yeah. Yeah. But, okay. Yeah. come somewhere else may I just recommend many places to do it all the hormones from the miscarriage it was bad times yeah it was a lot for us to deal with and we didn't probably really process it no one encourages a miscarriage that's very hard but again what would you have done if it didn't miscarry you suggested earlier that you would have ended it I would have kept it if it wasn't Like it's...

36:21I don't think it would have saved our relationship. I don't think so either. Well, no, a pregnancy doesn't save relationships. I don't think so. How long were you pregnant before, you know, it like stopped? Less than two months, I think. Well, so what were you guys doing those two months? Where was our brains? Because this could happen again. You guys are not in control. We didn't know that she was pregnant until like, so she was probably pregnant a total of two months. We found out a month, six weeks, and then she had a miscarriage a few weeks after. Okay, so two weeks you guys need. Three weeks maybe.

36:46Yeah. Cool. What was in our mind those three weeks? because, again, that could happen again. It was very worrisome. Look what you guys did last night. It was a lot all at once. I think I moved in around that time. Like, I started moving all my stuff. Yeah, it was definitely worrisome. And I think we were still trying to salvage our relationship and work on things, but that just threw a whole other wrench into it. Hormones, discussions about the future with it. Yeah. kind of made me depressed a little bit afterwards oh yes I bet no I mean I'm not questioning that but I am saying that literally last night you guys did it again it could happen and you guys continue to every time you guys get together yeah yeah you guys are so far apart I mean those six weeks after the fourth our sex dropped drastically and when we did have it when I tried you didn't want it when you wanted it that's when it happened It was only out of necessity for him.

37:45And every time I would try to do it, he wouldn't even talk to me. You need to, Dupango. Yeah. But when he wanted to, you wanted to. Well, yeah. So it worked. If I haven't gotten some in a while, like, yeah, I'm going to own it. So it worked, though. If you want to, he doesn't want to, you don't have to. But if he wants to and you want to, it's fine. Because I felt like it was holding our relationship together, and that was the only thing keeping it together. Yeah, maybe. Okay. Was it the only thing when you weren't talking to me at all? Like I just said, that was the only thing keeping us together was the sex.

38:14What is this in front of me? A letter I wrote her when we broke up. When you broke up a week and a half ago? Okay. Going into the breakup again, the six weeks of silence. So what I understand what caused it now, and it was a big hard fest, let's be clear. The sister thing from everyone's end is just so beyond moronic. But either way, why did you choose six months of silence? If I can get you guys back together somehow in some miracle, which I'm not feeling great about right now, other than you guys literally just being sex buddies, because I think that might be the extent of y 'all's relationship, including being parents together in the future.

38:50But six weeks of silence, I wouldn't advocate for that in any way whatsoever. That's like the worst communication. I think it was more six weeks of I stopped treating her like a princess. You weren't talking to me throughout the day. You would barely answer my text messages. You wouldn't answer the calls. You're right. I stopped jumping at your beck and call. I stopped treating you like a princess. I stopped doing everything and all of it for you. I stopped being a boyfriend. Yeah. Yeah, and I treated you more like a roommate. Yeah, why would you do that though? Because again, that's not a communication style.

39:14There was things that I've been asking her to fix for the last nine months and none of it was getting fixed. I do agree with that. So why would I keep beating a dead horse? No, but you either break up. Instead of dragging me around and making me feel like shit. Silent treatment's not a thing. And I was trying so hard, cleaning the house every single day. Yeah, it might not have been the best way to handle it, but I got tired of. But six weeks of it. So what happened at the end of the six weeks? She came home from work and asked to go through my phone because she thought I was cheating on her. Okay.

39:39He didn't make me feel welcome at home. Like, it literally, like, all my stuff was too much stuff. Tell me about those six weeks from your perspective. So, right before the six weeks, I came, I was in Alaska. Oh, the trip that you didn't want me to go on? The trip that. So you could go back and blow whoever else you did? No, so my family could meet my son because they'd never met him. Yeah. That's weird. He's two years old. I had him down here. Nobody's been able to fly down here and meet him. And I have a big family up there. Okay, go on. In Alaska? Yeah. Oh, okay, Alaska's big. Yeah, so I went up there.

40:17We literally spent the whole entire time with my family. Why couldn't he go, though, your partner? Because he wanted, what, I'm going to bring my son? Here, meet my son and my new boyfriend and his son. Like, that seems weird, honestly. I don't know. Like, I want them to focus on. First she invited me, and then she didn't. No, because I thought about it, and I was like, I want the focus to be on my son. Meet my son first before I even introduce all of this stuff. Then you decide to go to Alaska by yourself where there's all these people that you grew up with and continue to talk to. That I didn't even see.

40:45I saw my old roommate and that's it. And I'm pretty sure he's gay. We've never even done anything like that. That is like off the table. He was your roommate. You didn't have to f*** your roommate if he wasn't gay. Like, no, we never did anything like that. And we're just friends. It's normal not to. Yeah. They don't have to be gay. But he's scared that I'm going to f*** any guy that I see. I mean, probably. No, I'm not. I guarantee you. There is not a single dick you wouldn't ride. You're a whore. Hey, girl, I'm a whore too. Whores are fun. We love whores. I love whores. They have sex. I don't like being a whore.

41:19I'm not a whore. Yes, you are. Oh, I saw that photo. Yes, you are. So mean. Mean? So mean. That's not mean. Huh? So mean. That's not mean at all. Okay, either way. Okay, so what? Okay, you went to Alaska. so what? Okay, so while I was in Alaska, he sends me this long note that, which was after the fact he texted that girl. Oh, this? No, no. Oh, a different note. Yeah, a different note saying, oh, I love you. I'm going to be the boyfriend you deserve. I'm sorry that it's been so rocky. And then I get home. That lasts for three days. Fourth of July happens and then doesn't speak to me for six weeks.

41:57Yeah, because then after you got home, I went through your phone and saw that you were continuing to talk to some other dude. Oh. I wasn't that. So why should I hold up to my What is he talking about then? Yeah, he was asking about divorce advice. That's the one I just brought. No. That's the divorce advice. No, it's text. I just looked it up. It was ass and tits. That's us. How do you know if it's or not? Because he has a different name and I deleted him. Oh, I thought, didn't we go through that? I don't know. I know that. Well, there's like 50 ,000 other men in there, so it's impossible to know.

42:26I've had my Snapchat for over 10 years. And they all have tit pics. Yeah, I have no words for you on that one. When you had a husband, were you still talking to those people? Yeah. And being inappropriate with them? No, I never did. Really? So if he went back and scrolled back to when you were actually together with your husband, he wouldn't find anything? How long were you with your husband? Five years. Okay, yeah. I've gone back and scrolled. Some of those were one in two years ago. Exactly. You were inappropriate when you had a husband. No, we broke up in July of 2024-ish. Okay, so hybrid. I don't know.

43:06I don't know. Maybe, maybe not. I don't know. Okay, so you saw her talking to a f***ing guy. Yeah. Okay. And if you read the messages, it was about his divorce. He was asking questions on what he should do. I couldn't see all of it because part of it was on Snapchat. And why would he trust you from sending nudes on Snapchat just a few months prior? That's not unfair. Okay, but tell me about those weeks from your perspective. I was trying really, really hard trying to go and do stuff with him, clean the house every single day because he was getting, I thought that was what's stressing him out was all the stuff that I had that I was moving in and I didn't even move all my stuff in was too much.

43:44It was constantly, he was telling me that you have too much shit, get it, like put it in storage. Like you don't need all this stuff. Yeah, and I built a shed for you and your cat to help, help fix that. And it was still just shit all over the place. And it was a simple fact that like you just couldn't clean up after yourself. No, I didn't. You're an adult, you should I was vacuuming twice a day and he would still vacuum in front of me because, oh, what? This is not clean enough. So lots of passive aggressiveness around the house. Okay, and then it came to the letter? Yeah, he wouldn't talk to me.

44:13So you're not interested in being with any other man? No. Okay. Insert post-show trailer here. She's literally right now talking to another man at this exact moment. I thought you said that he had a wife. You're like, well, what am I supposed to do? I just sent him a picture of my boobs. Yeah, you definitely just made it seem like all he was doing was fixing your car. Why didn't you fix my car then? I probably could have fixed your car, but maybe if you weren't being such a hoe, I wouldn't have had to worry about fixing it. Yeah, that's gonna blow your guys' s***** mind in about 45 minutes. So you wrote this letter.

44:45Why'd you write this letter? Because I wanted to show her that I still cared about her, but if things couldn't be fixed, I wasn't gonna get back together with her. Like if she couldn't change her behavior. This is a huge f*****ing letter. No, I read it. It's just the whole time he's shitting on me saying, this is where you f***ed up, this is where you f***ed up, this is where you f***ed up. Shall I read it then? And then we'll get into the finances and see how f*** this all is. Because this is a finance show.

45:11Real name. I'm talking about her. I'll call her... Phoebe. Phoebe. I'm writing you this letter with really bad handwriting. Yeah, it's piss poor. It's okay, we have the same handwriting. I'm writing you this letter for a few reasons. First off, I want to apologize. That doesn't sound like he's shitting on you. For how I spoke to you the other day. It wasn't necessary. I was upset with how you were going about things. Yelled at me. I love you, Phoebe. You're always going to have a place in my heart. This doesn't sound very bad so far. Oh, just wait. Okay, I'm just saying. You made it sound like he was shitting on you the whole time.

45:47Oh, just wait. After that, it's just shit, shit, shit, shit. I just couldn't take the way things were any longer. I'm going to tell you the things that I see cause this breakup. It's not to put you down, but to give you some clarity. And this was like he broke up via this letter. No, he argued because I asked, I was like, why are you being so weird? Like, are you cheating on me? Is there someone else? Okay, how many days after was this letter? Two. Two? Okay. He said. She was still getting some stuff out of my house. You didn't even say anything to me. You just said, I think we should break up.

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48:02I know I fucked up. You didn't fuck up. You cheated. Let's use the word. You cheated on him. I don't like that. I don't care. It's what you did. What all did you send to him? Be honest now. Nudes, that's it. How extensive? Maybe a week or two. How extensive were the nudes? Not the extents that I said to him. What all did he see? Maybe tits and nests, but not anything else. Doubt. We'll contact you. I believe you when you say you were sorry and wanted to do better. Yet your intentions said differently every time I went through your phone. and I'd find something that upset me, that upset me would upset you.

48:45Huh? It would upset her if she found it in my phone. Oh, okay. I believe you didn't confront me about the messages on my phone because you had to clean yours up first. I'm not sure why I wasn't enough. You had to seek attention from the opposite sex. Interesting writing. Yeah, I'm not very good. Dallas Public Schools? Yeah. Okay. Wasn't the only one. AKA.

49:17That's a lot of men. And I saw a lot of men. That's not unfair. Comment on those. It's not unfair, but I didn't talk to them. Didn't talk to them in a sexual manner. Except all those chats had titty photos in them. Yeah. Yeah. But. I'm just supposed to leave you to cut it off. Wait, but like if it's a shirtless pick, Is that not the same thing as a titty pic? No! My kid was in the picture. What? I wasn't sending it to be sexual. I can show you the picture. How is a men's shirtless pic the same as a woman showing titty? I was wearing a sports bra. I was literally wearing a sports bra. You, as we all know, have no tits, and you were lifting those things for them.

49:56My kid's in that picture, too. That was an old picture. That was when I had postpartum and they were full of milk. No, no, no, no. The ones from as recent as nine months ago that I pulled up. Yeah, yeah. Nine months ago. When you guys were together. I'll show you. Oh my. What are you showing me? The picture that I sent to the girl wishing her happy Father's Day. Okay, yeah. I've seen your tits about a thousand times. Let's see his. Unfortunately, I also saw him coming. But, you know, the things I see on people's phones on this show are crazy. Okay, do I really need to see a man shirtless photo?

50:30Is this really that controversial? It's just it's not like. Did you screenshot it or what? I sent it to myself. Okay, you keep looking. I'm going to keep reading. I'm sure you did. Um, like. It seems like every time one went away, another one showed up. That's fair. That's fair. That wasn't in a sexual manner, though. Like, I can't talk to guys and it not be sexual. Not when your boyfriend's worried about trust issues, no. Not when you've previously sent them titty. If it was friends that you weren't previously sending titty, like, come on. I know some of them you had sex with in high school. Devin showed me, told me.

51:08Yeah. Some of them you've previously f***ed. That was almost 10 years ago. Yeah, you think I want my girl talking to people she's previously f***ed. We've been friends ever since. Like, it's just like, it's not like that. Boys, let me know in the comments, because I don't know. Women, let me know in the comments. The majority of you that watch this are women, so tell me. Across all platforms. The next thing was how you handled the 4th of July. I don't know where it is, but you have it. I don't have it on my phone anymore. I deleted it. Wow. I bet if he just lifted up his shirt, I would see exactly what was shown.

51:36I'll take my shirt off on camera. And that's it. We would all see it at the beach. We wouldn't all see you lifting your tits for everyone. Bro, I will show you a picture of me when I was pregnant or after. No, I'm talking about, were you pregnant nine months ago? And it's the fact that you're sending it to guys. No, that was a lot bigger than nine months ago. Doesn't matter. You were still lifting. You weren't lifting, I swear. Fine, fine. Pause. If you're sending a photo with your face, it's this. If you're sending a photo with your face and tits. It's this. You were doing this. It's like this.

52:01I'm short. You are so f*** broken. The next thing was how you handled the 4th of July. It broke me that you'd think I was being incestual with my sister. Yeah, that is crazy. Like, I think what he did was weird. I don't think he literally wants to f*** his sister. I didn't say he wanted to. You were insinuating incest. I wasn't. I said, is there - In the conversations with him. I said, is there any other thing I should know? Is there anything else I should know? Like, is that just... Is that not insinuating? That's how I took it. That's how you took it. I'm just asking... What? What should I do?

52:34Oh, you're... Okay. I wasn't okay and you never let it go. You never let it go? No, I... He asked me to not talk about it. I never brought it up. He brought it up multiple times afterwards. Fact check. She didn't let it go the whole time we were arguing about it for days on end. Three days. After we finally stopped talking about it. After we finally stopped talking about it. Multiple times afterwards. It didn't get brought up for those six weeks between when it happened and us breaking up. So I'd say, you know, five of those weeks she didn't talk about it. No, when you asked me to stop, I stopped.

53:07And isn't it a little weird that the day you guys broke up, she immediately had another man come over that next day to help her move out? I feel like it is. It was my co-worker. We know what you've done with your co-workers. Bro, look at this text message. Just add it all up. I can't have a guy. He was all up in your space. He helped me because I don't have a truck. Another co-worker with what you were doing? Come on. I told you that the last girl that I had lived with me did something similar, and I did not want it to go down the same exact way. My kid's mom, when she split, she wiped out all the shit in the house and had a bunch of dudes load everything up.

53:40And when I saw on the camera that there's some guy helping you load everything up, how am I supposed to take it? And that's because I lost him. And what was the previous conversation? There is no previous conversation. I've only seen him at work. because he's a regular. He's not even like... I don't think you and the guy ever did anything. I'm just saying look how it stacks up with everything else to him. I don't have a truck, so I just needed help. Rent something,$40. I'm on a finance show to save my finances and save... Yes, a finance show. Yeah. Never let it go and completely owned up to your part.

54:20Even Saturday night, you almost brought it up again. Okay, well, almost isn't that bad. Again, the purpose of this... Letter, maybe? No, it's a B. I can read it. To put you down is to show you how much I cared and loved you, even after everything. From the day I met you, I was nothing but loyal. I did everything for you. I was

54:52unbearable around you and let you into my life what up I'm Jared I'm 19 and I never fucking learned how to read all I wanted was for you to be loyal in return yeah that's not that crazy so crazy I wasn't talking to those guys exclusive or open we were exclusive well there you go I want to circle back to the first to the fast you didn't confront me about the messages. It's not hard to put two and two together. You constantly, you constantly taking your iPad where I did the opposite. What? She, like, you know, when you have an iPad, your messages will go to it? Yeah. Okay, well, she would constantly take hers.

55:36I purposely set my iMessages back up on my iPad and would leave it there every day because I had nothing to hide from her. Really? Because you turned the messages off on July 1st and there's no other messages going through? No, they were off before because my son used to use the iPad, so I didn't want him seeing your tits pop up on it whenever something did come through. And then I put it back on there purposely because I started noticing that you constantly took yours. So I wanted to show you, like, hey, there's nothing for me to hide. Maybe you'll pick up some same habits. I didn't look through his iPad until a week later after he looked through mine, and I found a whole bunch of shit.

56:06Like what? The text message to your sister and the— What did he say to his sister? Talking about a coffee shop that we wanted to open. My f***ing dream. Also wanted to have— My f***ing dream. I told them about it. My sister had a similar idea. They're around the same age. No, we're not. She's a year older than you. You're similar in age. And she has had that same idea for years. I've told you that. We had a conversation about it. That you and... Gaslight. You guys can't... Honestly, let me see the text message to her. Because, like, where was I involved in this text message? I think he wants to get through the letter, so...

56:37Sorry. You can continue the letter. And then we can talk about this. You guys f***ing suck. Fuck. Oh, it's not hard to put two into it. Yeah, yeah, yeah, yeah. Okay. Back on it would leave it at home, the iPad. It was petty of me to message.

57:00I can admit that. But I knew you wouldn't like it, and I was trying to prove a point. Back to the fourth. Yeah, you guys are passive, and you guys just hit each other back and forth with, like, emotional gut punches. I caused problems with my family the day, the only ones that always have my back by choosing to try to make it work with you. Huh? You had to cause damage to your family to make it work with her? Yeah, me and my sister are barely talking. Why? Because of her? My sister did not want me dating her. She cussed me out. Why? Because she said that the fact that she could try to insinuate I was being inappropriate with my sister is not somebody you want to date.

57:35Yeah, that is kind of crazy. I'm sorry, that is crazy. I just asked her if it was okay. No, you were trying to take the... everybody's off of you. You think that. All of it was on you at that time and that you were trying to spend something. You and your sister came up with this little plot to spin it around and put it back on me. Really, so you didn't slap her ass. You think that was a plot? I made you slap her ass? No, it was weird, but come on. Are you insinuating that she's damaged or that he's sticking it in? Like, what are we doing? No, I asked her if she's okay with it. I didn't say that.

58:03I just said, Why do you even have to ask that, though? Like, let her live her life. Like, what the f***? Why are you trying to victimize her? I was just so confused. Like, why? It was weird. It's weird. He changed his story three times to me. And, like, it was a joke. She looked like you. I thought it was you. What? Yeah, he told me I thought it was you. And I was like, what? Why are you changing his story, dude? What the f***? Because I was annoyed that I even had to think. It literally went out in my head the second it happened. And so when she was confronting me. No, it was gaslighting me. This is weird, man.

58:34No, it was seriously gaslighting me, trying to make it seem like, I did nothing wrong. I'm choosing to make it work with you and you do nothing. One text to my mom was nice, but you couldn't completely. I feel like you're just like rage writing by the end of this. Yeah, I was. Yeah, he got upset. I'm going up to your part with me or with them. I know your life was in crazy spot, but it felt like you put me on the back burner just like you did with the situation. Did you put them on the back burner? Good for you. Did I? Because I literally was cleaning the house every single day. Every time a dish would go in the sink.

59:16That's normal shit that adults do. Really? It's not like some A plus thing. Oh, good job. You cleaned the house. And then you would complain to me about not putting them in the dishwasher. You would do that. You would put the dishes in the sink. And then you'd complain that I'm not doing the dishes enough. And you also only worked 20 hours a week when I worked 40 plus. And so if you have to do more dishes than I do, it shouldn't be a big deal. I don't take care of the kids in the morning? Instead of constant reassurance, you say what I want to hear. I go back to the same behavior. No, and go back to the same behavior.

59:47For sure, as you're reading this, you're just getting upset and misinterpreting it. Again, those aren't my intentions and not as good with my words or writing. I have major boy brain. Oh, shut the f*** up. Don't be a f***ing pubescent. You're just a f***ing educate yourself. Take a writing class. I am sorry. Yeah, clearly you do though. I am sorry with how things ended. It's not how I wanted them to go. You arbitrarily leaving? Abruptly. Abruptly leaving and just causing a scene with no communication is the... What do you mean she caused the scene? I told her that she could stay until the beginning of September because I knew that she didn't just have anywhere to go.

1:00:39He gave me two weeks to move out and then took the car from me because I was borrowing his car. So I wouldn't have a car to move all my stuff out. She caused the scene? No, I moved all my stuff out in two days. Oh, with the guy? Yeah, with the guy. Because he had a truck. I showed up at the house and slammed the door in the guy's face and said, stay the f*** out of my house. Why? Because he wasn't welcome in there. Because he was helping me. He was helping her move. She could have had a conversation with me about it because the last time that that had happened. You wanted a conversation with me after our breakup when you wouldn't even give me the time of day or a conversation the last six weeks of our relationship.

1:01:09I wasn't trying to have a conversation about our relationship, but we could have a conversation about the important things about how the breakup's going to go because there's children involved. There was a house involved, a car involved. I got to coordinate the breakup, but he can't talk to me during the relationship? The last thing that we did discuss is that you were going to stay in the upstairs room until you got back on your feet. No, that wasn't. That was your text message saying you have— And you said, sure. Oh, f***. Okay. I'll read this text message to you. Sure. Because it's kind of f***ed up.

1:01:38Okay, very good. Yeah, tell me. I... Uh, Phoebe, I need you out of the house no later than September 3rd. Realistically, I don't see why you can't be out in a couple days. You still have your old house to go to. I'll still... I'll need the car back by tomorrow. I expect it to be cleaned out if you're going to continue to stay at the house till the 3rd. There's a few ground rules we will go over. No guests other than your son are allowed. You are also responsible for cleaning up after you and your son. That means keeping your area clean and cleaning up common areas after you use them. If anything seems an issue, let me know and we can discuss them.

1:02:17And I said, my house does not have water. Got it, though. You want me out ASAP. And then I asked if I could borrow the car till Tuesday and no response. Could she have borrowed a card? Yeah, I probably would have ended up letting her borrow it longer if she would have talked to me about it. Really? Well, she tried. It sounded like on text. You didn't respond. Yeah, because then the next thing that happened is she showed up with some guy at the house and was pulling all of her shit out. No, no, you have a bad experience from that in the past, so I... Ah, f***. I see both sides. It's difficult. Guys, what a mess.

1:02:55when we broke up he said great there's more sure I just want to break up I just what was it he was like I hope if you see each other again and the kids will give each other hugs I love you praying for you blah blah blah that was the day after I left his house when I got all my shit out how are you you owe him money you don't have a job he's also told me that I don't have to owe the money so it's confusing It probably depends on the day. But either way, you don't have a job. How would you pay him back? Are you going to have a job? I start a job on Thursday. Okay, good. And that allows us to get into the finances.

1:03:36I can't, I'm going to do it separately. So I don't know. What do you guys think your individual financial scores are? Zero to 10, zero being the worst, 10 being the best. 2.7. Is that for me? That was mine. Oh, I think maybe a one, honestly. It's pretty bad. I don't make enough money to pay my own bills. It's insane. If you watch your financial score, it is free to get it. It has been much more detailed now. So if you've taken it before, you need to take it again. Take it. And it's free. Just takes a few minutes. See where you're standing in the world of finances at calephammer.com. And if you don't want to be like a guest who ends up on the show, make sure to download the Dallas Budgeting app.

1:04:11Take the free trial to see if it works for you like it does for the average American. Tens of thousands of monthly active users for a reason. and they all take the annual version because it saves nearly 50 % on your money and you get the physical version of my 30-day meal plan signed by me, mailed directly to you, and the digital version of the cookbook as well. So check that out, guys. Check that out. Thalawise.com, CalebHair.com, all that good stuff. So, yeah, the loan. So why'd you loan her$3 ,400? To pay for an attorney because she was going through a divorce. Jeez. So how early on did you give her money?

1:04:43Pretty early on. So you immediately shack with the dude and get money from him? Yeah. Come on. It makes me feel guilty. You don't see how it looks. I hate using other people's money. I hate asking for help. I hate asking for money. Like, that's the least lie. Like, that's not me. I hate doing that. Then why'd you do it instead of your family or something? I didn't ask him. I asked my family. So what happened? I offered, and then you said no. And then you said no, you were going to ask your family. And then when they said no, then you did ask. so he offered if you offered I mean right but I'm just saying tell the whole thing okay I mean and then you also said that you would pay me back and not one penny has been paid back why didn't you pay him back at all you had a job you also told me multiple times that I don't have to pay it back I said you didn't have to worry about it right now really is that that's always what you said yeah yes really well I was I'm planning on paying it back at some point but it just like I don't have any money like that I still have to I don't know, but you did have a job.

1:05:43Yeah. And you just quit it to move to Houston. You went to Alaska and spent$2 ,500. I did not spend$2 ,500. When you guys broke up, why did you immediately abandon and go to Houston instead of trying to make something work there? Because if not, I wouldn't have a car. Why were you in Dallas in the first place? Because my ex. He was in Dallas. Yeah. Okay, so it was to get your sister. Yeah. Because I saved money. I mean, that's fair. I understand that. I do understand that. Take care is expensive. Once you get a job, is there an agreed upon minimum monthly payment for this? Or what the fuck is our plan with this, guys?

1:06:17Because whether or not you guys are together, this immediately intertwines y 'all. He's never said anything like that. What do we think? I would like to be paid back. It's$3 ,400, yeah. Yeah. How'd you have this money? Where'd you pull it from? I think I put part of it on a credit card and the rest of it paid cash. Okay. Yeah, I mean, it's complicated. It's complicated. Okay, you. Now, instead of paying him back, what I have here is Klarna. Yeah, that was a while ago. She could be paying you back. Yeah, but you're making the payment. No, it's not. It was April. I gave you the money in like November or December.

1:06:55Yeah, where were you getting Sheen, Sheen, Sheen, Sheen? Pull up your Klarna right now. Oh, I don't have any more. Okay. That was the only time I've ever used Klarna. I'll take it off then. I'll take it off. Okay. Let me see your Sheen. Oh. Yeah, there we go. It's a lot of window shopping. I don't buy anything. I haven't bought anything in so long. You owe him$3 ,400. I haven't bought anything in so long. Well, let's see. Go for it. We'll prove it. Yeah. Okay, well, there's over 100 things in your cart, to be clear. Yep, window shopping. Uh-huh. Makes me feel good just window shopping sometimes.

1:07:32Oh, I don't even know how to use this. I can go to my purchase list. Yeah, go to your purchase list because I don't even know how to get that. What a crazy app, dude. Yeah, it's a lot to look at. That's why I haven't done anything. Okay, well, you're purchasing on a credit card instead of paying them back. $436.61. You purchased$752.90 on this. You have a minimum payment of$15. This is your global credit union visa. Yeah. There you go. See, something just shipped. She bought a MILF. No, look at the date. Come on. She bought that when we were together? Yeah, about that like six months ago. Instead of paying them back.

1:08:09And there's a lot of other purchases, of course. But yes, you haven't purchased in a while on there. Let me see your Amazon. Oh, yeah. I haven't purchased Amazon in a minute. I won't let myself buy online anymore right now. I don't need to see your Amazon then. But what you did do was spend$752 on here. Yeah, I like to put a lot on my credit card. There it is. And that's what it is. But I have a limit. Yeah, but here's the thing. Yes, you have a limit. But the thing is, this is money you spend on here that you have to pay off that should be going to him. Because you spent$752 that could have gone to him for the$3 ,400 that you owe him.

1:08:48And what are we doing? We're Ubering. That's not the end of the world. Maybe we're drinking or something. But then Spotify. Then getting ice cream. Then going to the bar and club. Probably flirting with men. Sucking their dick in the bathroom. McDonald's. Sally Beauty. A brewery. Shut up. That's while I was in Alaska. Doesn't matter. Doesn't matter. That is money. That was funny. That was what it go to him. Give me any of it. If you're with your family, they could have done it. If you wanted to go out and do fun, they can pay for it. You weren't on vacation. You were introducing your kid. Yeah.

1:09:16Interest is accruing. You're not paid off every month. Interest is accrued this year. Okay. So shut up with the I pay off every month. Shut up. I haven't paid it off in a minute. Own your shit. Exactly. And it's$15 a month. I do pay$15 a month at least. I know. But it's not always good. Shut up. Who has apartment collections of$790? Me. And what's going on? I was going to get an apartment, and then I couldn't afford it. Oh, well, what happened? When? That was the pullout of not going into an apartment. When? July? No, it was more like May because you moved in before you went to Alaska. You went to Alaska in June.

1:09:57So you tried to get an apartment, and you got kicked out and moved in with him? She got approved for the apartment, but then she wanted to spend more money in Alaska. So instead, she wouldn't have enough money for the down payment to move in. She got approved. Everything was set, but she had to pay a certain amount to move in. I think the$790 or whatever it was. And instead, she went to Alaska and spent the money there. So she didn't have enough money. I spent way too much money in Alaska. It was bad. $790. Okay. Solar. Who has solar? Who has solar for what? You guys rent. No, I own a house. So my house.

1:10:31That's with our ex. That's my. Oh, but it's still yours. Yeah, it's still in my name, which we owe$37 ,000 on the solar. Yeah,$37 ,000. Yeah. Who's paying? He's supposed to be paying it. Is he paying it? No, he is not. The house is about to be on foreclosure. Well, the whole house, not just the solar? The whole f***ing house. This is going to destroy your credit. Yeah. Where's the house? I only have. Where's the house? Dallas. Dallas. Where's the monthly? What's the monthly? 27 now. Why don't you try to get a good career and try to take this back over and move in? Because to take it over, it would be$12 ,000 because he hasn't paid rent.

1:11:07But if you call and say, hey, I'm going to take it over, maybe put it at the end of the mortgage, they might do that. I just launched the brand new Hammer Elite app available on every major platform so you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise. Guys, just real quick, don't forget to take your Hammer financial score at calebhammer.com.

1:11:42See where you stand, where you got to do better, where you're doing shit. Listen, it just takes a few minutes, and it is free. Figure out where you stand in the world of money. calebhammer.com. He got like a VA loan. Yeah. So it's all in his hands. You're on it, though. I'd have to refinance. No, I'm saying you call and you're like, not I'm going to take it over and refinance. I'm sorry. I'm going to catch up on this, but I need a little help as a single mother. $12 ,000? I know. And maybe they'll put it at the end of the loan. Okay, he's already put the house in forbearance and now it's in default.

1:12:10So how is that supposed to work? I don't know. But if you don't call, nothing's going to happen. But either way, it's not like you have a job to pay for it anyway. Yeah. So I was saying maybe you get a job and try to make it work, but you're not willing to do anything.

1:12:26I've applied for a lot of jobs it's just I don't have a degree in anything and everybody everywhere wants a degree in something nowadays I mean kind of, it's a tighter labor market for new applicants, yes so you just gotta work I'll get you a course career certification trades, tech, accounting there's a lot of things, people in the audience take their course career certification the whole time and get six-figure jobs constantly in all those fields. He was making fun of me the other day when I was trying to teach myself data entry. Are you teaching yourself or taking a certification? I was learning.

1:13:09No, shut the fuck up. You need to get something. Don't invest into a time that AI is going to end up taking in the next few years. Potentially. But the thing is, probably more likely if it's data entry, but the thing is, get something that goes on your resume. Don't just teach yourself something. you're struggling with resume right now more than anything you're probably applying for government assistance aren't you? yeah of course you are, which ones? my son needs insurance that's the one I've been working on the most food stamps and that stuff too? probably, whatever works, whatever I can get have you applied?

1:13:43I did, yeah applied for all of it okay, you That's also part of the house. It's a water soft. I was pregnant and this man signed up for every little knock on the door. Every single person that knocked on the door. Did you say stop? No, I was pregnant and brain fog. I was literally like do-do-do-do-do dumb. Like literally so dumb. Okay, I understand a little bit of brain fog certainly comes to pregnancy. You can't say that all of a sudden literally you can't consent to anything as a pregnant woman. I'm just saying like I was. You were unable to consent to anything in this world as a pregnant woman.

1:14:19That's what I was saying. Yes, you did. You co-signed. He made me sign this. He did not make you. Come over here and sign this. That's pretty much what he told me. Okay, I'm sorry. Hey, here's the news. If you're pregnant, you literally cannot consent to anything, according to her. You can't consent. Everything in the world is a **** if you're pregnant. I also signed up for a car, being a co-signer on my sister's car. That's still you. Yeah, I was dumb. That's not you being pregnant. It was dumb, dumb, pregnant brain. You can't give everything to that. Can she give everything to that? Definitely not.

1:14:50No, shut the f*** up.

1:14:56Okay, so$6 ,553.58 is going to this. Payment due. It looks like he made a payment recently. Yeah. $177? So he's paying that. Yeah. Why is he paying this and not his mortgage? Good question. Okay, well, he's obviously stupid. Mm-hmm. That's my son's. I had to take him to the - Your son's what? Medical bill. We had to take him to the ER. Have you called them to get on a payment plan? I was going to talk to them, actually. I got a little message, and I was checking in the car. Okay, call them to get on a payment plan. You owe$1 ,530.97. Yeah, that's supposed to be split between me and my ex. Oh, we'll see.

1:15:36Okay, here's foreclosure, officially. Yeah, it's pretty much in there. Unfortunately, the stamp covers the payments and shit. Oh. Okay, there we go. Yeah, well, shit. Well, I mean, this is gone, right? Yeah. Essentially, it's like not a chance, but. 276 ,000, geez, to give off a less than 5 % rate on 276 ,000. Give me that solo link, if I may, please. Yeah, the regular was, I mean, yes, it's not great for someone of your zero income but what were you making on average? On average every two weeks maybe a thousand bucks. But you also only worked 20 hours a week. I kept trying to tell you you needed to work more so then you could bring home closer to 2 ,000 every two weeks.

1:16:26There's only so much I can work with my son. Having my son at night. Well how'd you guys do it with both of your kids? My kid's in school now. He has his parents to help him. I don't have my family near here. Yeah, but she only has her son 50 % of the time. So the other 50%, I'm working 13 hours a day, which I was doing for three days, four days in a row. And he's still mad at me that I'm not working enough? Not mad at you for it. I was just trying to tell you you should try to work more so you can get more money. Okay, let's see. I mean, if we were able to save this some way, I mean, I know it's only worth$2.66.

1:17:04Oh, it's way out there. Oh, that's why I was going to say it's kind of cheap. Oh, never mind. It's not like you'd get anything for it, anyone. You're underwater regardless. Well, it's... Yeah. Nope, you're done. Hey, you're done. What am I supposed to do with that? Nothing. What's this? What am I looking at here? That's the car that I signed up with my sister. Okay, so... She's pretty much... She's going to get a repoed. Oh, it already did. It got totaled out. What the... They owe that much money left. Oh, okay. Well, then I'm not going to put it down. But what the... What a mess. They owe that much.

1:17:37Okay, here's your checking account. Yeah. Savings has gone down. You're pulling money out. Only$100 in your checking account. Mm-hmm. Great. Also, instead of paying him back, and we're draining savings. Will you see how much I pay in daycare? Like 90 % of my... Bitch, you're pulling out a savings so you can do Sweet Darlings and Bullshit and Bath and Body Works and Burlington and Sally Beauty. You do not get to complain about child support when you spend this much on bullshit. That was not child support. Shut up. You know what I mean. Child care. If that is making or breaking you, you're not going and spending money on bullshit.

1:18:17You don't get to complain and then spend all your money, dude. Ice cream. Brown jug. Bullshit. Bullshit. Alaska fur exchange. That was a lot of stuff I bought in and brought it back up. I don't. What? Yeah. What'd she say? She said she's trying to blame it that she bought me all that stuff. I'm not saying that I didn't buy you. She brought me a few things back. I brought you a whole bunch of stuff back. It's bullshit. Sally Beauty. I'm glad she bought Sally Beauty. Yeah, I needed my hair product. My cousin wanted me to do her hair. The tattoo you got was for him? No, that was me. Oh, hmm. The tattoo?

1:18:46I haven't had a tattoo in like five years. I just really wanted it. And yet you're sitting here complaining that you can't afford child care. Shut the f*** up. Women, they prefer tattoos over child care. You're here first. No, I still make sure my son has child care. No, you don't because you're actually draining from savings. So shut the f*** up. You're going in the negative. black rifle coffee bullshit bullshit bullshit going into bullshit bullshit bullshit bullshit I would definitely use a time checking account going for it that's what I personally use if you use that you'll at least get a few hundred bucks for free so use my link to do that but this is bullshit bullshit bullshit bullshit bullshit bullshit Chipotle bullshit Appleville bullshit bullshit dude it's so much bullshit $222 going out to eat where you're only spent$200 eating groceries miscellaneous bullshit and other$132 subscriptions$127 Other large purchases,$468.

1:19:34Unknown shopping,$369. You spend a minimum of$500 on bullshit. You cannot complain. You probably spend upwards of$1 ,000 on bullshit. So shut the... No! Shut the fuck up on everything. Okay, you owe more to the law firm, right? This is my lawyers, yeah. So I was saying, well, it only says 72. Yeah, it's higher now because we went to court. What's he fighting? The custody battle.

1:20:07And we'll move forward. How much do you owe the lawyers? Probably around a thousand right now. Okay. Okay. You're Robin Hood. Nothing? Yeah. Your Robin Hood continues to be nothing. Okay, finally, you. You have a credit card. Yeah, I have a few of them. Okay, probably for the house. $2 ,671.91 on Lowe's. What's your minimum? Oh, it's on a firm for Lowe's. Oh, sure the f*** is. Is it paying four? No, paying 24. There's interest on it. What's the minimum, dude? I think it's like 107. What's this for? I built a shed in the backyard. You know that shit's like 34 % interest rate. Yeah. Okay, you also have a firm.

1:20:55That's what the firm was. Okay. you have yeah this is you okay venture one why do you owe three thousand four hundred sixty seven dollars and fifty nine cents probably for tattoos and bullshit oh my god you both suck yeah you're spending on this you're getting interest accrued you spent two thousand five hundred forty seven what a joke what a joke oh because you had to build a cat shed yeah I built a shed for a cat because my son's allergic so oh great now she doesn't even live there yeah what are we You guys are so... Panera Bread, yeah, 2000 and Tattoos, Fireworks and Apple Bell. This fireworks really paid off so you could f***ing grope your sister.

1:21:43What? Do you have credit? It's the worst you can get, dude. I had really f***ed up credit before and it helped me rebuild it. Like you don't now? No, I don't now. What is it now? Because you got some fake balances. I don't know f***ing how. $475.22,$30 minimum. But yeah, you went inside, I got like an energy drink and you went to Waffle House. Interest fees. This is insane, dude. You have another credit one. Me, man.

1:22:13$829.35. Minimum monthly payment, 42. Interest. Some porto de gel of Mexican bullshit. An automatic chef. I mean, dude, you guys are just spending so much money on all this food you can't afford. Credit control. Is this in collections or what? Yeah, it's in collections. You have collections. And your credit's in the 700. That's a mystery how this works. I don't know how that's falling off yet. 184. Okay, what is this 7.282 % interest rate? What's the balance? That's an$893 payment. That's my truck. Of course you have a truck. Well, you're an electrician. Maybe you actually use it. $893.94. It's a nice truck.

1:22:56How often do you use it for the electricianship? Enough for making it work in my taxes. Okay. Your contractor? No, I do side stuff.

1:23:10$48 ,237.01. 8 % truck debt, you classic American. You actually might be the only one to actually use it, though. And it's worth$45, so you're not the worst. But that$893 payment's insane. Yeah. is this another auto loan no there is another one though what is it this one it's this one $6 ,000 yeah what's that for a little gas saver sell it I need to but I think it might be upside down that's why I am trying to it is by a few hundred no it's by like$1 ,000 just sell it get rid of the loan dude what is this one even if I have to pay the upside down part and just get rid of it it's$1 ,000 it's one payment for your truck yeah it's that also like a 10 % rate?

1:23:56Well, and that was the car she was using too when we were together. Well, are you guys going to get back together? I'm not seeing it. I think you guys just remain buddies. Have fun and then meet someone that you actually can vibe with. Okay. That's what I would potentially advise. $239 payment. You don't need that. Dude, spend$1 ,000 and this is gone instead of$239 for a couple more years. Make the math work. Make the math work, dude. Here's your house. It's on a less than 5 % rate again, but you owe$197 ,410.27 with a minimum monthly payment of$15 ,16. Yep,$1 ,516.99.

1:24:40Here's your checking account. $0? Huh? What the f*** are you doing? Cafe, McDonald's, Home Depot, Raising Cane's, Automatic Chef, Automatic Chef. It's a vending machine. Oh, yeah. Vending machine, vending machine, Starbucks, Taco Bell, cantina and club, cantina and club. Bullshit at the gas station. The airport, you swiped and got something there. Amazon, boot barn, bullshit. Papa John's, Taco Bell, vending machine, Apple Bill, Amazon, Amazon Cafe, Taco Bell, Cafe, vending machine, getting some bullshit at the gas station. Bullshit! Or not, I don't know, Lowe's, that's hard. Apple Cash, Scent, Brewery, Brewery, Venue, Not Money, Lowe's, Papa John's, Applebee's, Amazon, Spotify, Beer Barn No shit you're not paying off your F*** that You're going and spending all this money What?

1:25:29Is that funny? No, you're f***ing your entire life You have a mortgage Don't end up like her Come on, man Prime Video, Wendy's, Kohl's, Starbucks Airport, Dollar Tree You're getting some bullshit Sonic, Pizzeria Prime Video, Vending Machine You have zero dollars And you're checking the guy You f***ing moron Yeah, I automatically pulled from my savings Apple Bill Yeah, you're overdraft protecting from savings Because you're a pathetic loser who can't control their spending. Bullshit. Cafe Whataburger. And that's why your savings is going down. Slowly but surely, because overdraft, overdraft, overdraft, overdraft.

1:26:02So stupid. What happens if you overdraft? I owe the IRS like over five grand. What are we doing? Why are you spending that much on bullshit if you owe the IRS that much money? I ended up owing that last year because I cashed out a pension. A thousand dollars going out to eat, but you owe the IRS? Yeah, she likes to go out to eat a lot. You're f***ing. Blame it on me. She likes to go on dates and go out the whole time. Don't even blame it on me because half of those are going out to lunch. Half of them. Bullshit thousands. More than half of them, actually. A vending machine? You like sometimes vending machines.

1:26:31Oh, I haven't been to a f***ing vending machine in so long. Can't tell me that was me. Yo, the IRS has been to a vending machine in so long. Yeah. $4 ,928.49 you owe to the IRS. Are you on a monthly payment plan? Yeah, I just started it. How much? $60 a month. What the f***? That'll never be. What the f***? I'm planning on having a refund next year. That one was high because I cashed out a pension to buy my house. $244 in your return. Great.

1:27:01Well, the answer of whether or not you guys should get back together is definitely going to be revealed in the post-show because we have something insane to tell you in the post-show. How do you guys want me to do this? What is this? The final tool. Yeah, like this. Separate, 100%. Yeah, separate is fine. Okay, how much comes in? $7.32 a month, and it'll go up when his brother turns 18 and then more when the other brother turns 18. Well, we'll keep it there for now. Let's get your debt minimum payments. Let's start with the dude because this is going to be an easier turnaround because he actually makes money because he's not a pathetic freak.

1:27:34$3 ,011.26 for your minimum payments. What's your gas, electric, utilities, all that? Utilities, water bill is about$160. Power is about$200. gas I spend about$300 a month on. Internet? $50.

1:27:55$710. That's crazy. It's just you and the kid now. What's your phone bill? $90. Okay. Vroom, vroom, drive, drive, gasoline. That was a$300. Sorry. Oh, gas for the house? No, I don't have gas for the house. Okay, so we'll subtract that then. Yeah. Okay,$410 for utilities. car insurance $3.50 necessary food for you and the kid I'll do I budgeted$500 I'll do$5.50 less going out to eat use the meal plan your meal prepping might be able to go out to you let's see though TP fund anything else for you and the kids who exist $200 medical health care you got co-pays monthly basis yeah because I switched to a PPO how much if he's going to the doctor probably is he or not yeah sometimes every month no Okay, then just budget it in, into the TP fund.

1:28:49Anything else? Subscriptions, 50 bucks. Do you have any pets? No. Anything else that you need to survive? He plays sports, too. That's in the TP fund. $160 a month. Okay, I'll do TP fund$300. Anything else that needs to be in here? I don't think so. Speak now. I'm double-checking right now. Okay, well, you can make it, and you have room to pay off debt. You need$5 ,061.26 a month. You have$1 ,500 left on a monthly basis. Yeah, just take care of this debt, dude. And with your home ownership, you'll live a great life. And you'll catch up on retirement since you pulled from your pension. Do I chip away at the highest ones with the interest or do I?

1:29:26No, I would go smallest to largest so you at least make progress. But you'll be knocking out those credit cards very quickly and the collections as well. The thing, the truck you just really need to take care of because it is kind of high interest. Obviously not the house, but you're paying off this debt pretty damn quick. Sell the other car, use$1 ,000, which you have left on a monthly basis. Wipe that debt and then roll through. you're going to be debt free before you know it besides the house and I don't need you to pay off the house. It's below a 5 % rate. You're fine. You. Yes. The complicated one.

1:29:56The job that I'm supposed to be starting. Your minimum is only 15 bucks a month because you owe on that other shit, but it's like, how much do you think you're going to make? Roughly like 500 a week. Okay. 2000 a month. Okay. You owe anything to your sister while living there? No. You owe money to him. Yes. I'll tell you that. What's your vehicle situation? It's paid off. Okay, how much gas a month are you going to be using? I don't know, probably around$100. You've got to drive far once a week. I have to drive up to Dallas once a week to finish off cleaning out the house. I'm going to do$250.

1:30:33Car insurance, how much? I don't have car insurance right now. Okay, let's do$200. The car is currently in the shop getting fixed right now. We'll do$200. Okay. Food, how do the groceries work at your sister's house? It's just been a couple weeks, and I haven't started my job yet. Yeah, but how does it work? Are you going to have to pay for them or not? I'm going to try. I want to at least help with groceries. Okay, you're going to help. I'll allow you to contribute$300. If you find anything else for you and your kids to exist, it's toilet paper, tampons, all that good shit. Okay. I'll do$200.

1:31:05Medical, health care, you're going to be on government shit. Subscriptions, I'll try$40. You have a cat, right? Just a cat, one cat? I have a cat and a dog. $100 pet insurance. How much for their food and shit? I don't need pet insurance. You do. Because guess what? If they get sick, you won't be able to take care of them, and that's not fair. I love them, but my cat is 10 years old, 11, 12 years old. The dog, I'd be down to get... Fine,$50. How much to take care of them on a monthly basis? Roughly like$50 for both of their food together. Okay. Phone bill? Phone bill is$50. Anything else that needs to be in your budget?

1:31:36I don't think so. I don't think so. You're in a blessed situation because of your sister. If you didn't have this, you'd be... I know. You do need to pay him back. I know. But even still, this is still going to be brutal. I do need to, I've been talking to my lawyer about putting together a payment plan to pay him. Yes, you will have to do that. Yes. Okay, you're going to have an extra, I'm going to just conservatively say$750. Okay. Just need to start chipping away at the debt. And it's going to take forever for you. I know. Do you? Then why do you spend so much money on bullshit? I don't know how I do it, honestly.

1:32:09Oh, shut the f***. Don't. Like, they're very small purchases sometimes. Like, a dollar here, a dollar here,$5,$7. Like, oh, I do have a storage unit, too. How much? Sorry. It's, I think,$83 a month. Okay, well, it still fits into your$750 left over. Okay. Because I was being conservative. Shit, maybe if we get rid of the medical bills. Now, for what it's worth, I think you should be able to pay off your debt in about a year. Okay. That's good. Well, because everything else is going to be in collections, and you're just going to have to sit with that because you're never going to make enough to negotiate that.

1:32:45Okay. Both of you are debt-free in under a year. Whether or not you guys should get back with each other, you're about to find out. Let's do both of your hammer financial scores first, and then we'll get into the post show. And you already know what's coming. Okay, for the man. Spending in a budget. You certainly overspent. I mean, you're over-jecting some savings, so you overspent just a little, So that still counts as a zero out of 10. Your debt's certainly not. Well, you have collections. Zero out of 10. Emergency fund, there is some money there. It's certainly not even close to enough, but I'll give you a three out of 10.

1:33:18Retirement, you had. You don't. Zero out of 10. Real estate? I have equity in it. I put$50 ,000 down on the house. Yeah, who knows what it was worth today. I'll give you a decent because it's a good rate. You're not behind on it. You know, equity position is a little smaller, but seven out of 10. Hammer financial score for you. you are going to be a 2 out of 10 board for you well you have collections you have no real estate your retirement is zero your hammer financial score is zero get yours at calebhammer.com now join us for what is guaranteed to be one of the best post shows we've ever had plus 3 premium shows every single day 6 days a week with over 120 ,000 monthly subscribers for a reason it is the best membership by far we have a whole network back there Check it out.

1:34:04Join button or that link in the description below, or you can go by downloading the Hammer Lead app or hammerlead.com. Same on all platforms. Just want to give you more options. See you in the post show. She's literally right now talking to another man at this exact moment. I thought you said that he had a wife. You're like, well, what am I supposed to do? I just sent him a picture of my boobs. Yeah, you definitely just made it seem like all he was doing was fixing your car. Why didn't you fix my car then? I probably could have fixed your car, but maybe if you weren't being such a hoe, I wouldn't have had to worry about fixing it.

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