The Most F*cked Up Marriage In Financial Audit History

24:27I just felt so pressured into giving it to him. I was like, there's nothing on there. I'm pressured. Yeah. How? When I said, let me see your phone? And then you said, just give it to him. Yeah, I just give it to him. Is there anything on it I should know about? There's nothing. I just said, you can go on it anytime you want. You have my passcode. I just don't like other people doing so. Okay. Okay. That's it. Do you want, like, that's the only reason you're just nervous about it? Yeah. Is that why you didn't get on Wi-Fi earlier? so that I didn't go through it? No, I just didn't have a reason to get on Wi-Fi earlier.

25:03You just went through it. You didn't see anything. And you were freaking the f*** out. And I never give a guess freaking the f*** out. I just don't like it. It's just my weird little tweak. I just don't like people on my phone. As we're talking about how you have all these guys and guy best friends. Okay. Dynamic is weird here. And listen, she's also said that she's embarrassed to be with you sometimes because, I mean, well I mean I guess I would she says you're very conspiracy brained she's like nervous of you being around people because you just go crazy talking about like I don't know you go on this Jew shit all the time apparently like I don't even know talking about Jews talking about black people talking about gay people you just like get all crazy what's the shit he says that like makes her so concerned what do you say about the Jews I think they're behind everything since like JFK like I don't I think that the government is not great for anybody I think that like our current government and governments in the past, since like, since JFK, honestly, it's just a little weird.

26:03Are Jews? Yeah, well, no. Well, it's kind of convenient how every president since JFK has now kissed the wall after he was assassinated. And it was proven that the CIA actually did. I don't think you mean Jews as a whole. I think you mean the leader, like the - Ashkenazi Jews, usually. The ones who are over in Israel right now. The government Jews. The government of Israel. But those people, not like, you can't just say Jews. No, not all Jews. Jews are great people. but like I'm talking as in like the Israeli government people who try to control everything because it's really convenient how you literally they're trying to get to the point where you can who did 9-11?

26:35Buzz! We missed the truck! We're not aiming for the truck! The Jews. Who killed Charlie Kirk? Israel. Israel's behind it. All of it's behind. They're involved. The government's involved as well. They're all involved. It's kind of convenient how it's probably 9-11 it's kind of convenient how they were taking selfies like Israel Special Forces. Israel Special Forces. Were they touristing? No, they were taking, as the buildings were burning, they were taking selfies. It was shown. Like, it's actually a thing. Sam. It's really convenient. How do you feel about this? It's insane. We've never agreed about it.

27:07You don't care? No. On the Jews? No. Okay. I have very strong conspiracies that a lot of people don't share. How did the Jews kill Charlie? Because didn't they just even get even better evidence, like, last week about the guy who killed him? Go ahead. About how the.30-06 was not the right bullet, even though that's the bullet gun they found conveniently stashed with no tools to take it apart. So how did it become a Jewish man? It's not a Jewish man. Oh, woman? It's the person who actually killed them. They ate them. I don't know. There's a lot of conspiracy involving the actual death of him entirely based on his microphone, like having micro-explosives.

27:43Do you notice how you keep saying conspiracy? Yes, because there's no, like, obviously you're not going to know until someone comes out and says something. But just like JFK, they had so many conspiracies about it. They had so many things that they were like, this is obviously was never, the government would never do that. 50 years later came out. Oh yeah, they did. Okay, but you're. It doesn't matter anymore. No one cares. You can't just assume that every killing is the government. No, but it's really convenient that like he's going against a lot of like Israel beliefs. He denied$150 million from Israel.

28:11And all of a sudden, like a couple of days later, he was killed. Like it's because he was changing his view about Israel because of the ongoing wars. Who do you watch? I actually don't watch live news. My source is that I made it the fuck up. I try to avoid that because it's terrible. Who do you read? I've watched Candace Owens and read Candace Owens stuff a lot too. Like on phones and stuff. It's not really online. Not really on TV. Because all major news outlets are actually owned by Jews, fun fact. That's a whole thing. A lot of their hierarchy is all Jewish people on almost every major news outlet, including Fox News.

28:51You got a Jewish nose. You're a Jew? You have a Jewish nose, too. No. Yeah? No. Yeah? It's rather large. Yeah. You have a larger nose. What? Do I? Yeah, you have a larger nose. I've been told I specifically don't have a Jew nose. Jew nose. I don't have a bump. I don't got nothing. You smell very well. That was good. Huh? You smell very well. Yeah, that was good. Huh? What? Oh. I didn't hear that. But you got the bump. Okay. So he's not afraid of you, like, taking over the world or something? no because I'm not Jewish oh okay okay yeah so yes okay I understand being a little nervous of taking them places and I guess on black people you have conspiracies and gay people you got conspiracies too what about gay people?

29:36gay people are great I'm specifically told it's LGBTQ is that gay people? okay what did they do? who'd they kill? they didn't kill anyone it's just it's force fed down your throats and then you have like men who are old and like tighty whities like like was it dancing and stuff in front of children they were twerking in front of children in parades there was a gay pride parade they had for LGBTQ and it was it gets a little X-rated at those things yeah it just seems wrong to me having like 8 year olds 7 year olds even younger well the children should criticize the parents bringing their kids yeah but why would you even have that on display that's a bit weird if you get naked I mean I get that I mean they had like a they had a trans show at like elementary school uh huh like that's just wrong and they were like very barely clothed.

30:20It was wrong. He just talks about just like, he just gets upset at social shit all day. Yeah. Yeah. Basically. I think like the world is f***ed. It's honestly like it's really bad. It's just listen. Yeah. I mean yeah. I might not agree with some stuff. Sure. But like it'd just be too mentally exhausting to give a f***. That's what I'm saying. I don't know how you can like care. I more just care about economics because without a sound economy none of that even matters. You're right. I mean. So it's just like I just care about like the real shit instead of the shit that just is meant to rile you up.

30:50And then black people, I guess, I'm being told as well? No, black people are fine. No problem. I mean, no. Like, the stereotypical people who cause, like, for example, a Walgreens to leave a community and they're trying to sue Walgreens for leaving that community because they stole too much. Uh-huh. And it's a black community. Like, that just seems a little weird to me. What? What do you say? Black people are great, but there are stereotypes that ruin it. What? There are stereotypes that ruin it. I mean, 100%. Yeah, there are stereotypes that ruin everything. Yes. What are you trying to say about black people?

31:17I got into, like, several discussions with people about how they're trying to say, well, because I'm black and I'm a minority in the country, I can't be racist. I'm like, well, that's just not true. That's 100 % not true. I even use the example if I went over to Africa to a tribe that is pure black and I'm there and they're racist towards me and I'd be racist back, that makes me not racist because I'm the minority. They're like, no. I'm like, that doesn't make any sense. Okay. There are people who hate white people just because they're white. It has no other premise to it. And it's like... Yeah, there's some bad people out there.

31:44Okay, so he's just very inflammatory. Yeah. With his... His opinions and thoughts. Whatever. Think whatever you want to think. I don't really give a fuck. That's not really my thing. But it's like time and place, my friend. It usually is. If she's embarrassed of bringing you around people, though, I don't know. She's embarrassed. A lot of times people will actually bring up political to test boundaries and test people if they're going to mesh with them or whatever when you first meet them. I was told that you were disliking that I even give a platform to some of those communities. I don't even know what that means.

32:19It's not that I dislike you give a platform. No, he even dislikes when Caleb gives a platform to some of those communities. I never said platform. I never once said platform. That is a direct quote. It can be a direct quote. I never said platform. I don't use that as, I'll never say the word platform. Well, what's the issue? The issue is like, there are some people who need to be ridiculed for things that they're doing. Like animals, for example. That's what this whole show is, I ridicule. You're upset that I put them on? There are some people that you didn't ridicule very well. I ridicule everyone.

32:46On other things. You just avoided some of the topics. What? Like, for example, someone did a trans... I just avoided the things we just talked about. They did like a trans surgery on their cat. And that's like, that's horrible. It was a funny moment. You're so stuck on that. I am. Also, it wasn't a trans surgery on the cat. It was literally like a surgery for their actual urethra. And it was like a funny how it was like, technically it changed their sex. It was played up then. It wasn't even played up. If you actually listen to the reality of that conversation, it was clear that it was a necessary surgery for like the cat's life.

33:15But the funny outcome is that it was a sex change in the end. Why about your cat? He needed some transitional surgery. Transitional surgery? Yeah. To what? To widen his urethra. You made him sound like he switched sex. He did. So he was. He got a vagina? Yeah. So we neutered him. Good for him. Her. Okay. So I was misunderstood. But you just decided to get angry at it. I misconstrued it, yeah. How? Because that's exactly what we just said. That's what was said in the clip. That's not the clip I saw. No, that was the clip. Was that not the clip? There were several clips. Okay, everyone's saying that's the clip.

33:53It may have been a secondhand clip then. I don't yell at trans people for being trans? No, nothing wrong with that. Let them do what they want to do at that point, at their body. What are you upset at then? What are you criticizing that I'm platforming or whatever, not platforming, I guess you didn't say that, but what is it? Well, apparently it seems I misunderstood some things. Well, I guess the trans cat thing, but what's the other thing? What else is there? I don't know. Like, I just yelled at that trans person for having taxpayer-funded boobs, because, again, economics is typically what I get angry about.

34:25The socialists, you said, I'm just like, eh. I saw that one. That was disgusting. That was horrible. With the taxpayer-funded boobs? Yeah, I mean, not the best. I mean, as far as, I guess, where tax money goes. But, okay, so I think, listen, and, you know, maybe you're, like, I agree. Like, people are assholes, and the fact that they say, like, oh, we can't be, I can't be racist. It's like, yeah, it's annoying. Just shut the f*** up, you know? But it's like, time and place. If she's embarrassed to take you places because you're always just like, the Jews! Then, yeah, I'm a little, I'd be embarrassed to take you places, too.

35:00Yeah, I think that's a little inflammatory on its own. I don't do that everywhere. I really think you just need to let it go. I really like it. I think you need to let it go. Let it go as a whole or let it go here? No. Because I'm not letting it go. It's never going to be a thing. No, like letting— But what's your obsession? Like why? Let's pretend every single bit of it's correct. You can't do anything. No, 100 % can't. So just live your life. It's a temporary life. Just try to do the best you can with the ability that you have. I just—I hate the Jews. You're sheltering enemies of the state, are you not?

35:31I hate the direction of the country currently. I hate all of it. What's the direction? I think that like, it's just been not like, the economy is first thing. Like we're drowning. Everyone's drowning. What do you mean we're drowning? Like less people who are young have owned a home. Like people who are my generation, it's harder for them to get into a home. Yeah, but why do you need to buy a home? Like most personal finance experts like don't even advise owning a home. It's like classic American dream bullshit, but the marketplace outperforms it any day of the week, so rent. I want to get several.

36:01Especially with how quickly you move, why would you want to own? You move everywhere. Yeah, I don't want to move anymore, personally, but I have to go where the money is. You literally have been talking about us moving to here. Austin or Dallas. Obviously, it depends on multiple places, but we do know that the median household income in the United States currently can afford 25 % of the homes on the market. That is low. Before COVID, it was 50%, so it's mostly interest rates driven at this point. So it's not great, but listen, it's like once the interest rates go back to normal and if it gets closer to that 50%, it's not like the end of the world.

36:28Millennials, 50 % of millennials own a home, if I'm not mistaken, and 25 % in Gen Z. So, like, it's not like, it's not complete doom and gloom. We have more disposable income than any other portions of humans that have ever existed in the history of humanity. So, like, are you just going to be doom, gloom, gun in the mouth, or are you going to do shit? You do incredibly well. You make almost twice the median income in the United States. You're just going to be sad, cry, be a pathetic, whiny little baby. Are you going to go do something? You can buy a home. I'm trying to make money. Why are you complaining about home shit?

36:56You can buy a home. I've tried. We tried to buy a home. Maybe you tried to buy a home. They said my DTI was not good. Well, probably not. Well, yeah, I mean, I got paperwork for f***ing days. Those were your choices. That wasn't the housing market. Those are your choices in the debt you chose to get into. No, we lowered our DTI to 37%. They required 47%. The mortgage lender actually shotgunned our credit and still came back with a no. Also good news, there are more mortgage lenders as well. I know, but after they shotgunned my credit, it screwed us. What do you mean? You can apply to mortgages, I think it's within 90 days of mortgage applications?

37:25See, I was new to buying a home. I didn't know. What? You can look all this up. Yeah, you can, and I didn't. If you're going into doing something, do you not usually look up what it's like? I do. I get obsessive over everything I'm about to do. There's several people who have differencing opinions on how to buy a home and what comes out of it or anything. I want to have rental properties. I want to have money. I want to get to the point where we're financially free. Rental properties? That's what I want in the future. No, you shouldn't. It's really bad personal economics and investment. Why is it?

37:54Because the stock market outperforms every single day of ever. So would you say put money more in S &P 500 type stuff? Yes, or commercial property. Commercial property at least has tax benefits. Almost no one's getting in and rental properties these days unless they already have a massive stakehold. In commercial property, you're talking like owning businesses on that property. Okay, we're not going to talk about that. That's too boring. But yes. Listen, there's something weird going on in this house. You're not willing to talk. You're not willing to let me even look at your phone. I'm going to look at his phone later and see if I see anything weird about you.

38:22That's his decision too. Yeah, but I'm going to look through your tax message conversation and see if anything's weird in there. I'm going to clear some air. Is there anything on there about talking bad about my family? Is that why you don't want it brought up? Yeah, there's talking about you, your family. I'm just going to air it out because we're at that point. So my family doesn't like her. They haven't liked her since I first started dating her. Because she's a little more brown? Honestly, I really think so. I don't know the real reason, to be honest with you, but they called her gold digger, white trash.

38:52They called her all kinds of things growing up. To the point where I stopped talking to my family for like two or three months because they pissed me off too much with it. I told them that they can shove it, that she is who I want to be with, she's who I chose, like you're going to get over it. And I'm at odds ends with them frequently. Like my dad recently visited and he still had things to say to the point where it's like, to your point, I could be skewing some of the conversations with them, which caused them to have some of this belief, but it really aggravates the hell out of me. Why don't they like her though?

39:21I understand maybe the look of Gold Dig, but. I can't figure it out. My mom has come around for a while now. Are they like ultra hyper conservative? They are. Okay, but aren't you? I mean, I think you are. She's more on the bridge, I think. Huh? She's more on the edge. But she's very religious and whatnot. I am really religious, but I wouldn't say that I'm like ultra conservative. My family's religious, too. Is she white trash? No. Does she come from white trash? She came from trailer house. I can answer that question. All right. I grew up not like on the wealthy side of things. My mom was a single mom.

39:57she did the best she could. She had four children. So, and I guess in their opinion, that made me white trash because I didn't have a big fancy house or. And they look down on that if you're not marrying in their income scale. They think that if you come from two different family backgrounds, then you're not going to work. It also brings up similar backgrounds. It also brings up like the whole like education thing too. They've brought this up to you. They, they look down on me because I don't have a college degree. But you did that for him. Exactly. My mom has masters. My dad has masters. I think my sisters have masters.

40:33But that doesn't even matter. It's what you accomplish in life is what matters. Guess what? I'm a college dropout. I'm richer than all you motherfuckers. Yeah. It's hard to convey that reality to be honest with you. As much as I've tried. Like my mom would get to the point where she's telling me, just let him talk. Just let it go. You gotta let it go. Like a white purity thing? What are you? I'm Hispanic. Yeah. Oh. Oh, there it is. Now, here's my problem. I think there it is. There's more to it too, though. Because my dad's first marriage didn't work out. To a Hispanic? No. He was in the military and he was married to some lady who cheated on him.

41:08He had three kids with her and then she cheated on him with his best friend. He was in the most. It happens. It's unfortunate. But he is portraying a lot of his trauma onto me because he keeps saying, it's like I'm watching a video of myself when I was younger. And he's telling me not to make these mistakes. For example, I told him when he came down that I wanted her to, like, I want to make enough money where she doesn't have to work and she can focus on school. So she can go back to school and get her degree. And that way. It can't work if you keep moving, but yeah. That's very true. But the problem that I've got is that.

41:36Sure, they're not just worried that you're getting with what they consider the help. But see, you would think that. But then they sit around and say that I don't do anything to help. Even though I was the one. They say that in front of you? No. No. How do you know? They talk to me. I would hide that from her. I believe in transparency between us. Kind of, but there's like, you can be a little protective. She's the person I vent to. She's like the person I go to for problems. Yeah, but you're venting to things that are hurting him. I mean, to be honest with you, when I told him that I wanted her to be able to go back to school and for me to just make enough money where she doesn't have to while she's getting school, because she's going to be in school for six, but she wants to go for a vet.

42:15So she's going to be there for a long time. I'm glad you chose her over them. But he told me that if, like, don't do that because Texas is an alimony state. So if we ever divorce, right, I'm going to have to pay alimony. I'm like, I can't live my life like I'm going to be divorcing all the time. I can't. I can't live. But you guys have talked about divorce. Why? We talked about divorce because several things. Part of it was, one time it was because of the relationship with your family. Yeah, that was one big thing. That was one big thing. But it's not even, I don't understand that fully because what their opinion is, is not my opinion.

42:49It's never going to change my opinion. It doesn't matter because you, even though you don't agree with them, it's your dad has said so many things about me and even to me and never once has apologized. And I've just had to let it go. He won't apologize. He doesn't know. He's actually like, there was a text one time that he sent me before we got married, um, calling me a gold digger, white trash said that. He texted you that personally? I didn't know he texted you that. And told me that something about we were the reason that they made divorce or something like that. Good. Along those lines. What the fuck?

43:31He said a lot of horrendous things. People are crazy. You never told me that he texted you. Not once. I didn't know that he texted you. I thought I showed you that text. No, you never did. Oh, yeah. People are crazy. It was a whole, like, it was a whole paragraph about how I wasn't worth it. And, like, a whole bunch of, like, really. You should have told me that a long time ago. Yeah. And he's never, like, he's never once had to apologize for it. I just had to, like, let it go. How often do you see them? How often do we? We see them a lot. We see them once a year now. Well, now, since we, like.

44:02Twice a year. Since we moved out of state, like, once or twice a year. But when we were still in state, we saw them a lot. When you guys were talking about this in the green room, he specifically said, I choose you. And she said, and you said to him, well, that's news to me. Because that's how Rocky Yall's relationship is. And listen, she wants to, you want her to be a trad wife, but she wants to work. She wants to do shit, but you want to put her in trad wife-dom. She doesn't have to stay there at all. Like, it's one of those things that has to happen if she's going to go to school, because she's not, if she wants a kid and she wants to go to school, she can't work at school.

44:35Are you going to give her a kid or are you going to push Japan off for another 10 years? No, I told her, I have like one thing holding me back from having a kid. I want to travel. I want to travel the world first. Yeah, do it. You've been talking about it for three years. Exactly. Do it. We've been talking and talking and talking about doing it, and then we never make a plan to actually make it happen. Yeah, why? She wants to have kids. Why not? It's really because of the debt. The debt is what's holding me back. Yeah, people have kids and debt. You can do it. They're going to be sucking on those titties for a while.

45:03It's like, it's not even. It's like, if shit gets more expensive. Once food gets involved and shit. Yeah. You make so much money. You live in a lower cost of living area. You're fine. Have kids. That's what I keep trying to like. That's what I keep trying to tell you that we're in a lot better situation than you think we are. I don't know about that, but I think you can have a kid. I feel like we have some things to work on first because a kid adds a lot of stress to relationship. And if we don't, if we don't work on those things first, I don't want to have a kid and be like five years down the road and then we end up divorcing.

45:33Then you should say that instead of trying to make finances the excuse. Finances is part of it. I said there's several reasons. Finances is part of it. What's the total household debt? Over$100 ,000. Easy. If you count the cars, over$100 ,000. What's the total household debt? Are you counting cars or not counting cars? Counting or not counting gang violence.

45:53Is it a debt? Well, yeah. Then I'm counting it. Probably like 100 in Western loans, 170. If I had to guess. I don't know how much debt he's in. What? Credit card debt is like over$20 ,000. Why don't you know? It's your husband. I know. I handle all of my finances. How'd you just say you guys are in a better situation than he thinks, but you don't know how much Teddy's in? I'm talking about like finance. Wait, why don't you know anything about what's happening in the house? I just don't handle it. It stresses her out. And so I handle it. Oh, stresses her out. The phone. Stop being a pathetic. Stresses you out.

46:24You know, it's going to stress you out when it gets absolutely worse because you're not involved in the conversation in any way. Don't delay the stress and make it even worse. I have been trying to get you. So 107 is what you say? That's 170. Okay,$178. Yeah. $178 ,000. That's about quick math. That's how much bad debt you have. $178 ,312.57. How does that make you feel? Yeah, that's not a mortgage, by the way. None of it. I just launched the brand new Hammer Elite app available on every major platform. You'll get three exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30 % off the annual plan in the month of June only.

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48:16How does that make you feel? Not great. I think 90 of that's car, correct? Or 100 of that's car. 100's car? Yeah. If you count like 50 and 50. That alone's insane. What the fuck is wrong with you guys? What do you think your household financial score is? Zero to 10. Zero being the worst, 10 being the best. Two. Three. If you want your hammer financial score, get it for free at calebhammer.com. It is free. It just takes a few minutes to see where you stand in the world of money, where you're doing poorly, where you're doing great, what you need to do to improve it. Check it out, calebhammer.com.

48:47And if you don't want to be like your guest who ends up on this show, make sure you download the DollarWise budgeting app. It'll actually give you the insights with the automatic account connections that she would see what's actually happening. So take the free trial, see if you like it. And if you do, most people take the annual version because it saves nearly 50%. And then I sign the 30-day meal plan that we made just for you guys. I'll sign it and mail it directly to you. Here you go, congratulations. Cook some food, asshole. We actually have the dollar rise out. Ooh, do ya? I just got it. Okay, well now you get it for free.

49:15Congratulations. Okay, so I have two stacks. This must have been separate then. Am I seeing two people's? Okay, so whose stack is first? It's probably mine if that's the bigger one. The bigger one is... The bigger one's on the bottom. Oh, then that's hers. Then that one's mine. Before we get started, though, I have a gift for you. Oh, it's not split? That was just like a convenient thing? Okay. I have a gift for you before we get started. Okay, well, it's a massive f***ing stack then. Who has an REI Capital One? That's mine. What the f*** is wrong with you with$6 ,069.49? What the f*** is wrong with you?

49:43What the f*** happened here? Yeah. I was given that as a kid. When I say a kid. As a kid? I was 18, and they gave me something. Oh, shut the f*** up, 18. That's where people go f***ing vote. That's where people go have a couple years to work under their belt. That's where you can drive for a couple years, a multi-ton vehicle down the road, get people killed. That's where you serve overseas and kill people and kill yourself. What the f***, kid? Shut the f*** up, you infantilized freak. If you're under 20, you're still considered a kid to me. Okay, then you can't vote. F*** you. That's fine. Then you can't serve in the military.

50:13Then you can't work. Then you can't drive a car. F*** you. Yeah, they might be immature. It doesn't mean you're a kid. You're not a f*** kid. Stop being infantilizing. Gen Z, what is wrong with you infantilizing yourselves? What the f***? You're not a child. You're 18. Well, I was given that. There's nothing I wanted more in life to become 18 and go live some independence. What the fuck is with you wanting to be a child? You're not a child. I didn't even leave my house until I was 21. Yeah, you're a pathetic little bitch. We all know. I didn't leave. Yeah, no shit. I wanted to. My family told me no.

50:41Kept telling me to stay. Yeah. Yeah. Your parents are weird. Cult. Many people believe Joseph. Dum, dum, dum, dum, dum. Okay. So you're giving this as a kid at 18. I was done with it. Well, guess what, buddy? You're 27. Why do you owe$6 ,069? A 27-year-old child. We bought a bunch of stupid stuff with that. Oh, so it had nothing to do to get in it as a kid at 18. No. So what the f*** was that? Pathetic, whiny little b***h. What was that? Buying it. I hate that shit. Camping gear and other things. It's REI. Camping. You've never been outside in your life. Rosy-ass cheeks. I actually love to camp.

51:20Camp's awesome. I love camping. We used to go to Jocassi out there a lot. Huh? We used to go to late Jocassi a lot. What, are you a glamper? I'm not a glamper. No, like full tits. This one's a glamper. I like going old school. I like going rucksack, going into the hiking 10, 15 miles in. Okay. Okay, so you guys bought a lot of camping gear. Well, congratulations. You'll be paying that for 20 years. 20 years, and you still won't have a kid. Well done. For the longest time, I was paying the minimum on that, and now that we're actually able to breathe some, I'm able to pay more than the minimum. That is true, guys.

51:50He paid approximately 10 % more than the minimum, and then purchased well more than the extra amount he put towards the minimum anyway. Go f*** yourself. What was that? You want a little high five? You're trying to get a little high five financial audit fan? Go f*** yourself. Yes, the minimum payment is$210. You put$242 to it. Yippee! It was$32 above. Yeah, that's it. Yeah. It's less than what I usually pay, actually. Okay, well, guess what? I don't f***ing usually know. Bullshit. Go f*** off. What are you talking about usually? That's what you did. That's what you did. And it doesn't even f***ing matter anyway because you spent$92.

52:26Oh, that's what I usually do. I usually do better. No, you didn't. You don't. You don't. This is what you did. And even if you usually do, it doesn't even matter because if you spend more towards it, you just, or if you put more towards it, you just spend all that addition because you max it out to the$6 ,000 every single time. Anyway, so it doesn't matter. Okay, maybe you put$500 towards it last month, but then you spent$550. So it doesn't matter because no matter what you do, you bring it up to the$6 ,000. And guess what? Here's a little insight into the finances for the very first time. it's over the limit.

52:576 ,000 is the limit. It's at 6 ,069. He's over the limit. I didn't know it was over. Yeah, you don't know shit. So stop trying to pretend like you do. Yeah, we've had discussions about me being more involved in all of it so that I actually know what's going on to try to prevent him from paying it off and then using it again. You prevent him from paying it off? No, like adding me, like me being more involved in the finances and knowing what he's spending so that he doesn't spend it anymore. So that it's just being paid off. Why? Why do you need such a mother in life? Just because you're sucking on your mom's tit until you're like 12?

53:35I'm terrible. Didn't let you out of the house until you're 21? Pathetic. I am terrible with online spending. Terrible with online? What is wrong with you? I will spend shit like crazy. Congratulations then. Put at least towards it what you spent. Yeah. But you spend more than you put towards it. It takes 20 years to pay off. Pathetic. Yeah. When I take money out, I hold it forever. But I can't. for some reason my brain just doesn't, it just lets me swipe and I just move on. That's who you want to be with? No. That's what you want to make a kid with? The goal is to make that better and not do it anymore.

54:02Yeah, that's the goal. He's not. So what are you going to do? Do another ultimatum that you never actually ultimatum on? No, probably just. Probably just not give a shit. No. That's your usual solution. No, actually give a shit this time. What are you going to do that's giving a shit? Let's see you stand up. Be on the bank statement, like actually get a joint account, be on the credit card account so I know exactly what's going on. What are you going to do? So that when he tries to spend money, then I'm just going to be like, no, don't do it. No, no, no. Don't you do that, guy. And then he's like, okay.

54:37I mean, what else am I going to do? Leave. I don't know. I don't want you guys to break up. But listen, if he's willing to live his life, not sacrifice anything, and you have all these problems with the things that are going on like this, and you want to have kids, he won't have kids. he was putting out in Japan for all this fucking shit that we've talked about so far. And he's not willing to change anything. At some point, yeah, that is like the only option. I don't want it to be the thing, but why the fuck would he ever change? You're a f***ing drug. I mean, are you going to make a difference?

55:06Wow. We had the talk about going to Japan next year. That is the plan. Yeah, what a time to go to Japan. Because I get my bonus around like the March time. Hey, stop shaking your leg, one of you freaks. I get our bonus around the March time, and I want to use that to go. Plan it, like pay for everything and go in September. How'd you put it towards the cart? What is wrong with you? You don't have to go to Japan before having a kid. That's not a requirement in life. Yeah, Japan, fun, great. But she wants a kid. She wants a kid. More than like anything. And guess what? You have maxed out credit cards.

55:41Over maxed out. Because you keep spending money. On what? Something online. Yeah, PayPal, 64 bucks. Experian credit, you're paying for that. I don't know why. What's wrong with you? I think I said it for reoccurring. Google Zedge. What is Zedge? In-app game purchase, coins, bullshit, something like that. Yeah, that's that monthly thing I need to cancel. Monthly what? It's like you can sign up for like, it was back when I was younger, actually, like a long time ago. A long time ago. You were a kid nine years ago, according to you. What's a long time ago? It was about eight years ago. What is it?

56:15Eight years ago. Easy. No, what is it? Oh, it's like a ringtone thing. It's some stupid thing. Some stupid thing that you still pay for. Yeah, it's dumb. It was for ringtones on a phone at one point. Who has Cabela's? Let me guess, Seth. Mine. Oh, congratulations. Guess what? Same day, which is even crazy. Guess what, Sam? Rose over the limit. Yeah, smile away. You're never going to do shit. I say this out of love because I actually don't hate you guys. You guys are very pleasant, but you are both, I think, two of the most pathetic people I've ever met. I say with love. I want to change things because I want a kid, but I want to do...

56:52You're prioritizing Japan. What are you talking about? What are you talking about? You want a kid? Shut the fuck up. You don't want a kid. If you wanted a kid, you'd be doing any of the things that would require... All of my friends that have had kids have pretty much stopped their lives for them. No. Are you raw loading? No. Condoming? Mm-hmm. Okay. Well, that's good. Thank... Okay. I don't understand. You're choosing Japan for the bonus to go to instead of paying off the debt. You're over the limit on all these cards. I want to change. Congratulations. You said the right thing. But you're not doing the right things.

57:23It's words with no action. Like I said, again, I actually do like you guys. You guys are pleasant. Okay, that's fine. But you are two of the most pathetic wet towels I've ever met. You're nothing. You're mama and daddy's boy. You will never say. I don't know what has happened in your past, but you are the wimpiest pussy I've ever met in my life. I wouldn't say that. I would. I don't give a shit what you'd say. I would say that. And I did. And will again. I'm not going to just leave someone over. I'm saying leave, but you can't do ultimatums if you're not going to ultimatum. And you're not willing to do anything.

58:01None of the ultimatums were about finances. Doesn't matter. You did the ultimatums that he never followed through and your ultimatums that you would leave and then you didn't. So it's just like, it's pathetic. It's pathetic. You can't do anything. You can't stand up for yourself. You can't advocate for yourself. I would say it's pathetic not to leave someone you're married to. I would. Well, that's your opinion. In my opinion, it's correct. That you have never stuck up for yourself ever. Actually, I did leave once. And I did leave. She did. What? Tell me. That's when we were engaged. We were engaged.

58:28Why'd you leave? Because I gave him ultimatums and he didn't follow through with them. And I left. And then. What were the ultimatums? It was. That was such a long time ago. It was your video games, I'm pretty sure. Yeah, it was the video games. Because where he has gotten better recently, where he still gets on them too much, it was really, really bad when we were first engaged. And you said if he didn't, you'd leave? Yes. And where'd you go? I went back home. How long were you gone? A couple weeks. It wasn't. Did he actually improve? He actually did, yes. What are you playing? A lot of things.

59:06Battlefield. right now I got into Forza Horizon 6 it was released I enjoy cars I'm a car guy what a boring game oh my gosh listen pragmatics is a fun one too honestly these people it must be Brandon who typed condoms on wife is crazy no it's not when they're not trying to have kids Brandon freak there are other things I do too that I like help my hobbies try to get away from video games and stuff like the past two weeks I haven't touched them yeah that was something so I did he had balls at some point I did Hopefully you do again at some point. He has$3 ,071.80 owed on this card with the limit of$3 ,000 because pathetic.

59:46Again, we're going to have paid more towards it than the minimum payment, even more than double. Doesn't matter. He then spent on it and then interest accrued on top of that and pushed it above 16 years. And he still won't have a kid to pay off. Minimums only, no purchases, but he's incapable of that. What do you think, Miss Sam? The kid is not looking like it's going to happen.

1:00:13I want you to have everything that you want in the world. That is my number one priority for me. It is. She's only given up everything for you. Shut the f*** up. It is. She won't say that for herself, but I will. She's given up everything for everything you've wanted. She doesn't get anything. That's not true. she, what has she gotten that she wants? A coach bag from an outlet store? She got where she wanted to live, too. Houston? Oh, Texas. Okay, Texas means a lot. And trust me, you whiteys that are especially racist are not picking Houston. I'm not, no. It's a little black. That's Dallas. Dallas is sketchy.

1:00:54Also, very black. That's sketchy. No, Dallas is very black. Dallas is sketchy. But Houston is, okay. I went up there for work. Black doesn't mean sketchy. Well, I went up there for work, and I stayed in the wrong side of town. 100%. Okay, Houston and Dallas are both very black. I turn the road and there's like homeless on the other side. You can't say sketchy while he's talking about, like, there wasn't just black people there. We lived in Chicago and in six months... Yeah, hold your racism inside like she does. I'm not even racist at all. You understand, like, we lived in Chicago and in the six months that we lived there, 24 people died from gunshots in a five block radius of us.

1:01:25That doesn't mean that they were all... All of them were black. Sounds horrible. It was black on black. It sounds horrible. But it's true. It's horrible. Oh my god. this is the stuff that I say. I say sketchy because it sucks. Yeah, that is true. In Chicago, it's really bad. It's really bad. Like, even, we went to go get, like, concealed carry there, and they don't want you to have them. Like, people who actually, who are trying to be responsible with them, they don't want you to have them. Okay, well, he's purchasing things on TikTok for$40. Yeah, that's mainly gifts for her. Huh? That's mainly gifts for her.

1:01:55That's where he gets his coach bags. Yeah. I wish that thing was TikTok. That was a lot of money for that stupid person. No. You actually didn't get that one at the outlet store. You got that one from Coach. I got it online, then we went to the outlet. And then Robert Space. Oh, yeah. Buddy, you had a late fee this year so far. He's late. I had a late fee this year. You had a late fee this year. You had a late fee this year. There are times that I understand. That's how a black guy got scared, forgot to make his card payment. I understand that though being late, you're charged a late fee. As long as you're not 30 days past your time, that's when they report to credit.

1:02:33I'd love to just sit you in the middle of a carnival cruise and just see what happens. I think they'd eat you alive. No. Or go to a black high school graduation. I've been to a black church. That was crazy. Crazy? Yeah, there's so much energy. Great music. Yeah, I will give you that. They really go with their music. They get really into it. He'll give you guys one thing. But I'm not into religion either, so it's like... We literally have black friends. You can't be like... They know my stance. They're cool. Oh, my God. Literally one of them. Your stance? Yeah, they know my stance on things. What's your stance?

1:03:10They agree that black people as a whole are good, but statistically, there are statistics and statistical people that are terrible, and they've ruined it for everybody else. Yeah, there are some bad stats in their community, and their community should stand up for that. Every community has that. I'm not saying that all people, like all black people as a whole suck. That's not true. It's statistically. Well, what's your stance? That's not a stance. Stats aren't a stance. What's your stance? Like, yeah, I'm a statistics guy too, so I get it. But what's your stance? There's a lot more crime that's committed by black people than white.

1:03:41Per capita, but that's not a stance. Like 57 % people are white in the United States. What's your stance, though? I think stance was the wrong word for you. Like my belief. You're only talking, I can't say that word, statistics. There we go. I guess I don't really have a stance per se like that it just aggravates the hell out of me sometimes what? when you go to a certain area you think everything's nice and then you end up in like one turn you're in a really ghetto part of town and it's usually primarily one type of person there What? Continue in? It's usually black. Like when I was in Dallas, it's usually black.

1:04:27Let's make sure. If I go to San Antonio, I guarantee you won't be black. No, it'll be Mexican ghetto. There's ghettos everywhere. She comes from the white ghetto. The white ghetto? Yeah, trailer parks, dude. Dude, listen. I got the fatigue, too. I said this in another episode. I got ghetto fatigue, but I got white trash fatigue. I got Mexican... What do you want to call them? Not Mexican ghetto. It's a... Huh? Barrio. Did I say that right? Is that racist? Barrio. Barrio. Is that racist? Barrio. Okay. Well, those ones I have fatigue too. Just trash. I have fatigue of trash. If someone is trashy, I have fatigue.

1:05:07That's what you're trying. That's not what you said though. That's what I said. You were kind of hyper-focused on the black. Listen. It is fatigue. You are correct. But it's like, it's bad. For you, it's focused on one thing. I have the fatigue of all of the trash. And Jews. Don't forget Jews. Right. But they're usually not trashy. They're usually just rich. No, they really are rich. They run a lot of things. It's crazy. They make good decisions with money. We don't. Should have been Jewish. I thought, you know what? Probably would have been a better situation, honestly.

1:05:43I love everyone here. I don't know. Just not trashy people. But I have them on the show all the time. Okay. Jam Rewards. Who's this? Jamer Warren is mean as well. Okay, everything's you. What the f*** is wrong with you? I have a lot of debt. She doesn't have much debt. Oh. She got her first credit card. Why are you here? What do you like about him? What do you like about him? The haircut's insane. He dresses so weird. He doesn't always dress like that. Until you open your mouth, you are above his league. I literally cannot help the way I sound. It's not how you sound. It's also your braces and stuff.

1:06:18It's just like, and then your chin disappears. But when you close your mouth, you're very attractive. Your chin disappears too. Well, that's because I have like five of them. Well, you can't say anything then. No, but I'm also just asking why you're into him. I don't get it. And his parents don't even like you. They text you shit. Yeah. Okay, no answer. Why are you into him? There's games all day. Are you a nerd? No. Why are you into him? He, I Is his Now I feel like I'm put on the spot You are, that's because I asked you a question I like his personality He does have a good personality Choose, choose, choose, choose, choose, choose That's his personality That's more recent to be fair That is like way more recent But before all of that, I liked his personality I do find him very attractive Okay, dude, bro's putting down that hairline right now The moment you said that he had to do this, that was rough.

1:07:23That shit's going away. It's fleeing. So is mine. His hairline's doing white flight. I don't even know what that is. It's when white people leave an area of town because it got usually too diverse is what they say. And then when they move back, they call it gentrification. Oh. Okay. Well, he owes$2 ,576.49. It is over the limit and past due. Really turning you on. Getting wet from that? Again, I didn't know. Now I do know. I don't know if he knew, but why the fuck? I don't understand. I actually want to get rid of that card as soon as possible. Great. Okay. Yippee. You still got to pay it. Yeah.

1:08:09I use that card frequently. Is Daddy going to bail you out? No. Thank f***. I use that card all the time because we had a Chevy. Wow, it's over the limit now, isn't it? Yeah, over the limit now. It's also over the limit. Yeah, we used it a lot because the rewards there let us use it at the dealership. Yeah, for her, she had a Chevy. So anytime she wanted an oil change or anything like that, she didn't know it was going on a card that was past doing over the limit, did you? No. So don't say we. Okay. I use the card. I use the card, even though I use things for us. Will mommy help you out? I'm being told she already does, even though you make like double the median household income.

1:08:38She did at one point. She doesn't help anymore. anymore. Pathetic. She hasn't helped since last year. Pathetic! What is wrong with you last year? 13 years to pay this off. Fees. Multiple late fees this year. Like, he's been late every month this year. Get it yourself, you pathetic worm. Did you just forget about that one? No, it's not that I forget about it. I just said it earlier. If it comes due and maybe we get paid a week after, I will pay it a week after or a couple days after that. like it will incur a late fee no matter what the second is a day past due it incurs a late fee so I will incur a late fee and take the L on that instead of it reporting the credit every day because if I've got to wait for my paycheck to come in I'm not going to go negative just to pay it PayPal credit who's this?

1:09:24well it's over the limit so I'm assuming it's you it's mine you suck you suck man which one is that? yeah which one is that? PayPal credit there's going to be two PayPal credits dude he's the worst what are you fucking doing? I didn't know well now you do I didn't know and? and? And now? And now we're going to fix it. Okay. Oh, you guys are so... Dude, you found the perfect one. She's never going to do shit. You can do whatever you want in life. You can do literally anything. And yes, she still f***s you. I don't get it. I don't get it, man. Is it your religious aspect? Like you having to serve a man?

1:10:02Like what is it? Like you don't give a f***. Because you didn't have a dad? Actually, no, I did not. I know. I'm saying, is it because he didn't have a dad? Like, something's weird, man. Something's weird. I don't get it. Like, you're kind of the victim in this, but also you're just so pathetic that I'm just like, like, I can't even help that. You're not even willing to do anything. Okay, 11 years,$85 minimum payment. Of course, it's over the limit. $2 ,500 is the limit. You owe$2 ,539.08. For GWD Concepts, it's what you spent money on to get you over the limit. for$5.49. Of course. It's most likely a subscription that I've forgotten about.

1:10:45You really need, all of these subscriptions you've forgotten about, you need to like go through and get rid of. Wow. You got them. Yeah, there's a lot of, there's a lot of stuff I need to go through and get rid of those. Because this whole like, I don't know, I don't know what that is. There's some kind of subscription. And if he doesn't?

1:11:02I don't mean, I don't want to. That's kind of stupid, I'll be honest. but what's not is actually getting a checking account that gives you free money free money we like free money you can get up to 200 in bonus cash right now when you sign up for the checking account that i use chime also it makes your savings grow at a 3.5 apy interest rate guys you can watch financial audit and get free money at the same time who would have thought that's incredible check it out link in the description below stop bleeding out money making minimum payments across multiple high interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of lining some bank's pockets.

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1:12:22If you refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to CalebHammer.com. And remember, you still got to do the work. I can't. We can't have a kid. He's okay with that. You're the one that wants to have a kid. You're the one that desperately wants one. You're holding something over his head that you want more than he does.

1:12:58I mean, if you can't help yourself, which in turn helps both of us because we're married, so that's my debt now too, then I have to leave. Like, there's no sticking around waiting for you to fix something that you're not interested in fixing. Listen, I hope you change it because you need to change it for her and for you. And you, I hope he changes it. And I'm on your side in this conversation. But also, I mean, I'll put on my degenerate hat. You don't have to change shit. She's never going to leave. Don't worry about it. It's not much consolation. But I hope you change it for all the reasons I gave.

1:13:32Okay, why am I looking at a 34 % interest rate? That's crazy. What is wrong with you? Get rid of this card immediately. Oh, here we are. What is this? Klarna Affirm, one of the paying fours. I think it's Affirm. Yeah, it's Affirm. Okay, what the fuck are you doing? Oh my gosh. Creality? Creality? Official store? Creality. Yeah, 3D printing. Creality? 3D printing? That's not a cheap hobby. Can I speak? Can I? I brought something for you that I made for you. For 3D printing. Okay. Best Buy. Hedonist? What's Hedonist? That's Hot Sauce. That's actually cool. Thank you. Very rare that someone gives me something cool.

1:14:08Thank you. No offense to anyone that's brought stuff in the past. Okay. Hedonist, what is it again? It's the challenge for Hot Sauces. I don't want to say the name of it because it's Hot Ones. It's Hot Ones. Why couldn't you say that? Well, I didn't want to. Why don't we like Hot Ones? Well, yeah, Hot Ones. It's the Hot Ones challenge all it is. I do it usually when they have a new season. Secret Lab. Secret Lab is a chair. Yes, we've been told Sean Evans is a fan of the show. If you ever film in Austin, Sean, I'd be happy to hang out. Okay. Their chairs are expensive now. What's your... Huh? Their chairs are expensive now.

1:14:42Chairs? They're office chairs. They're like... What are you talking about? No, no, no. You said Secret Labs. Oh, sure. Whatever. Bring up your firm. Bring up your firm. I need to see what the...

1:14:54Balance payment is. This is insane. The amount of money he just f***ing spends is crazy. Okay, affirm. $2 ,767.97. It was more than when I submitted. Oh. It's like$600 more. So you spent more since you submitted your document. Yeah, why not? He's coming on financial audit, so he spends more. Woman, I can get you a nice Christian man. I don't know any, but I can get you one. I can go get a white one, too, if that's what you're obsessed with. No. One with the receding hairline. I can get you that too. Even get you one that dresses like a Mormon. Let's just get you a Mormon. You don't want a Mormon.

1:15:32I'll get you one that isn't all f***ing like anti-Jew, black, gay, everything. I can get you so much better. I don't want it. Okay, yeah. Good luck for the rest of your life, man. Dude, you're f***ed. I mean, my eyes are starting to open up a little bit more to what's going on. Okay. Uh-huh. I left one time. I can do it again. Yeah, you left for a couple weeks and then... came back. This is a little more serious than video games. So. I'm not trying to bully you. I mean, I am a little, but it's like, I don't know. I'll talk. I'll talk. I mean, that's all it can be until time goes by that you...

1:16:13Well, how do you feel hearing that? Do you even believe her? I do. Why? Because we've done this once before. We sat down and went through everything. but it was actually, we were making less money at that time. So it was damning, but now we actually are able to do something to change it. We actually have the funding to be able to change it now. Okay, your minimum is going to be$359.26. Okay, who has to discover it? That's probably mine as well. Oh, guess what? It's over the limit. Buddy, are you not seeing how, this is actually some of the worst finances I've ever seen. It's usually because of the, like I'll pay on it, I'll spend it.

1:16:51I don't care about the usually. I can't keep going over these and seeing that everything is over the limit I'm done like this is it's also okay this is ridiculous like okay okay yes you're upset for a second sit that sit the fuck down sit the fuck okay shut up stop you can't tell me to shut up after you tell me to stand up for myself and I just stood up for myself and then you literally stood up but just I just want you here for the conversation This is... I understand. Probably upset. Okay. $1 ,789.34. Again, that is over and it is late. I told you. Oh, good. The 30-day thing. If you're making all this money and we're bringing in all this money, where is it going?

1:17:41If it's not going towards the debt. Going to a credit score that's only 616. Where is it? It's going to be a credit score for$100. It's stupid stuff that we spend money on, like the 3D printers. It's going to computers. It's going to all kinds of stuff there But do you see Do you see how All of that is Like That's not That's not good Like that money That you're spending On your computers Your 3D printers Why did it not go to That stuff Why Why was that a priority And not this

1:18:15It's It's cause I wanted it I think I wanted it He wants it more than you So if you He wants it more than you. That's the reality. That's the reality. What is this? What am I looking at? That's a pay later on PayPal. That's the second PayPal thing I was talking about.

1:18:34I do have a bad philosophy that if I have the money in my account... I've heard a lot of bad philosophies from you. If I have the money in my account physically, I'd rather pay it over time than pay it all up front in case something happens and I need to do something. Or just have an emergency fund. Boom. Solved. Shut the f*** up. We haven't been able to do that. You haven't because of your spending. That's a conversation that we've also had. Like, we need some kind of savings, some kind of emergency fund for that very reason. Okay, listen. $1 ,292.49. I'm guessing the minimum is$300. It should be less than that.

1:19:08What,$200? Yeah, it's like... Okay. $150. What the f*** is this? It's another credit card. This one's at least not maxed out, but Fortiva? Fortiva. Oh. 10 % interest for years to pay off. God, that one pisses me off. Okay, is this you again? Yeah, it pisses me off. I got a security system for the house through Vivint, and they did everything through Fortiva so we could get all the equipment and everything, and I hate that one so much. Why? It's the lowest interest rate. One. It's the only one that's that maxed out. Because they didn't listen to us when I told them that we could potentially be leaving this house.

1:19:45They should have given us the rental version, not the full, and they just kept pushing, and then they just did the full version. Even told them multiple times, did the rental version. Read the contract. What the fuck is wrong with you? No accountability. No accountability with this mother... You should have probably read the contract. But you're wrong, man. Got yourself a little pussy. Okay. $3 ,100... $2 ,200. No. $3 ,120.64 on that. $99.96. Secret name. Rooms to go. classic it's at the limit you must have just got this we did yeah that couch financing everything there's nothing you don't finance we did the rest of it like out of pocket financed part of a couch yeah just to make it a little easier is it though because your minimum fee payments are just stacking so much that this even adds to it even with only$17 a month with the 1 ,000 hour balance yeah it's smaller compared to your other ones but you're just minimum monthly payment minimum monthly payment minimum monthly payment stacking all on each other forever Yeah, that's one of the biggest problems I've got.

1:20:51One of the biggest problems I've got. Yes, that's not making it easier. Now it is 0%. Until... I mean, you'll pay it off in time, I think. Yeah, you will pay it off in time, but still, that's an additional minimum monthly payment added on to it. They're hoping you spend on this card, and that pushes it above that date so that... I don't plan to. You don't plan to, but that's really all you do. It's really all the f*** you do. Okay, Wells Fargo. What's this? What is... Which account is that? $962 owed. Oh, that's your credit card. That's my credit card. Oh, we finally got to you. Okay. Good. Let me see.

1:21:34What's the limit on this thing? What's the limit on this thing? I won't say, so I can't tell. Okay, well, you basically maxed out. What are you doing, Sam? What are you doing? That's why I can't say anything to him about really his maxed out. What are you doing, though? Why? Why is it almost maxed out? That one... $32 minimum monthly payment,$962.53. That one, I... I'm just making the monthly payments on that one. Yes, but why is it so high, you f***ing... Because for a little while, I didn't have a job, and that was the credit card that I would use. He did? Why were you spending it on your own credit card?

1:22:11You guys were married. That one was way before me and him got married. Then why is it still only barely under maxed out? No, it was spent on relatively recently. Coffee and stuff. Okay, what is it? You're just going out to coffee constantly? Yeah. Coffee, food, lunch, that stuff. Maybe you are a sugar baby gold digger whore. I don't know. Probably not the whore part, but the other ones. Probably not the whore part, but I'm not a gold digger either. Am I spoiled? Yes, I will say I'm spoiled, but I'm not. From trailer park to house, I mean, I don't know. The Rise has been pretty good. I mean, I could have done that.

1:22:47myself I had to maybe okay you've had a late fee this year why that one I forget so okay set it on auto pay dumbass but the problem the problem is is that one I can only pay with my Wells Fargo account and I don't use my Wells Fargo account so no money goes into that Wells Fargo account so I have to transfer money from my actual account into that account to pay that credit card so if I forget to do that dude you have to do it regardless like what the f*** just do it you have to that's what I'm saying I do it it's just that one was late by literally a day because I forgot that it was late that's how it works you should have called and tried to get a reverse but either way okay best buy card I'm guessing that's you that's not me there's I don't have a best buy card so yeah that one's mine wow okay well I was gonna congratulate you but I'm glad I don't have to go f*** yourself you put a lot towards this brought it down from almost 2 ,000 to 6 ,20 I paid on her card Well, why?

1:23:47Why did you do this versus all your cards at like 32 %? Because there was an argument between us. And there's a late few this year. There was an argument between us at one point. What was the argument? Because I would try to focus on my credit debt stuff for a while, and she wanted to focus on hers. But you're not. You're above maxed out. You're not focusing on your credit. I know. Huh? I would pay mine down, then use it. And so for her, she didn't use it. Express. That's mine. What the f***? I like the jeans and their clothes. They're pants, really. Okay, Express, you are over the limit. Now that we're back to you, that makes sense.

1:24:19Okay, yep, you're over the limit by 56 blocks. Limit of 550, but you owe$606.35 with a$71 minimum payment because you went and spent the money. Oh, and you were also late. Oh, Houston Premium something. That's the outlets. You were late every month this year so far. Focus on our credit, shut up. They always pull out at the wrong time. This is so pathetic. I'm telling you, people that make the most money have the worst finances on the show. See, I know it says late payment on the paper, but it's never reported to credit late. It's because it wasn't missed. It's late though. Missed would be much longer.

1:24:59Credit one. Who has credit ones? They're the worst you can get. We both have credit ones. Oh my gosh. That's horrible. You guys are not in a position to need credit one. This is almost maxed out. 530, who's? That's mine. Is it yours? Yeah. Because you don't have anyone over$500. I know. I think mine are$300 or something like that. Yeah, your credit was$300. $530.69. Minimum monthly payment,$30. Did you spend on it? Thank no. But fees, interest. Yes, you— No, annual fee. Okay. Yeah, and fees, fees, fees. Interest, interest, interest. And here's yours. No, the previous one was yours. That's what I thought.

1:25:31I thought mine. And this one's his. And how do I know that? Because it's over the limit. What is the amount? Oh, you are pathetic. What's the amount? $506 out of$500 limit. What is, I don't know. No, that one must be hers because I only have one and one's$550. The one that I have is$550. No, Colton's saying, and he got the documents, that this one's yours and the previous one was hers. This one was completely paid off and removed. Nope. If that's the case. Nope. It's literally not. I only have one credit one. Yeah, and this one's that. The previous one was hers. That's what I'm being told, dude.

1:25:59Shut the f*** up. I'm telling you what it is. But her credit one limit is$300. Oh, shut up. Maybe they raised it and they didn't know. I have one that's$500. My credit one is$500. No. So you don't know shit. Stop trying to, you specifically said earlier that you don't know what you're talking about. You're trying to correct us. Shut up. We have the documents. Interest, late fee. No shock. No surprise. Late on everything, above the limit on everything, $500,$600 on a 500 limit. What is wrong with you? Minimum fee payment, usually$30, but it's$60 right now because you're behind. Shut up. Okay, I think this is Klarna, right?

1:26:32Who has Klarna? Me. I think it's like a$77, 21 cent minimum. You're getting like Lucky Brand and eBay and Wayfair. Yep. Shit are you even buying, man? Lucky Brand was jeans, clothes, because I lost a bunch of weight. What about Wayfair? Wayfair was a coffee table for the house. eBay? eBay was... I don't know what eBay was. Who has the care card? We both have a care card, I believe. Oh my gosh,$481. It's under the limit, so I'm going to assume it's you. Actually, no, that's mine. Care credit? Yeah. Yeah, that's mine. Yeah, that one, mine's not high like that. Wait, I only use that for vet visits.

1:27:15481, yeah, that's why we have emergency funds and good pet insurance. Minimum to payment, 30. You know, 481, just under the limit. Upgrade. That would be mine as well. Well, there's not that. So we can go past that, but that's good. That's a star.

1:27:34Yeah, I think that's good. Okay, care. This one's yours. $220.

1:27:44$30 minimum. Okay. Yeah, went down. Not at the limit. That's fine. Another care. What do we have another care? It should only be two care credits. Oh, it's because this one's... Oh, no, that was a continuation. Okay. Well, this Capital One looks... Well, it should be paid off, so I'm not even going to put it there because someone took it down from 528 to 51, but interest accrued. That one's mine. Because, you know, I am glad that we're at least putting it towards yours because you don't spend what you put towards it. If we put it towards you, you just spend it because you're a degenerate mother.

1:28:17I actually intentionally paid a lot of hers down so she gave the car for better interest rate on the car. Well, and because you just spend on whatever you put towards yours. You had a late fee this year, though. You guys are not credit card people. You should just never have credit cards. I'll get you a course career certification since you'll never be able to go to school anywhere. You can at least turn that into a better job. I'll do that. But what the f*** are we doing? What am I looking at here? Is this your f***ing purchase? I've never had someone actually send in their f***ing, like, for the Nissan.

1:28:47I was told to. I thought. Maybe I was wrong. Maybe. I don't know. What is this? No, Chevy. Sorry. No, Nissan. Yeah. What? We traded the Chevy. Oh, you trade in. Nissan. Nissan what? Nissan Z. 2026. Okay. This is hers, right? Yeah, it's in her name, but it's my car. It's in my name, but it's his car. Yeah, she's the primary on this one. I'm secondary on her car. Okay, what's the balance? What do you owe on it? $49 ,668! With interest rate. What interest rate? I have no idea. I think it was like right around 9 %. But we went... What? No, my previous car... What? My previous car was at an interest rate of 13.

1:29:2817. 17%. You just got a$50 ,000 loan and 9%. Go f*** yourself. It's actually - You may as well end it today in Minecraft, but what the f***? That's insanity. That's insanity, dude. What's your minimum? 1 ,042. It's worth 39 ,000. What is it? 1 ,042. Oh, f***. Oh, f***. $50 ,000 loan on a$39 ,000 card, 9 % with a f***. $1 ,000 card payment. It's crazy. Why do you need such an expensive car, you pathetic, dumbass cuss? Listen, it wasn't, it was just the interest rates that makes it that much higher. No! $50 ,000! Yeah, it makes it$50 ,000 because of the interest rate. Yeah, that was after the interest rates.

1:30:16What was the purchase price of the car? Purchase price was like$45 ,000. Why are you getting a$45 ,000 car? When you get a$45 ,000, you're f***ing credit cards, you pathetic worm! Who's the Capital One? That's her car. Ah! It's a 53 ,208! What is it possibly? A Bronco. Oh! Bronco Sport or regular? A Wildtruck, so regular. Oh! They're loud and you can't even see out of the window! I can. They have no noise control because it's meant for off-roading. It's a sports vehicle and you're driving it in Houston. I test drove one the other day. It's so loud! Oh my goodness! I love the outside look of it, but it's horrible on the inside, and it's one of the worst drives I've experienced.

1:31:03That's your opinion. I very much enjoy it. No, that was the fucking, even the guy that was trying to get a sales opinion. He was like, yeah, this is like the loudest car you can be in because it's meant for off-roading. You turn on the radio, you don't hear it. That's why she's never going to leave you. She wouldn't be able to find her way outside the house. She's, oh my, are you on this? You're alone? I'm the primary. She's secondary on that one. Bro, what's the interest rate? Right at 10%. Oh, good job. We put$7 ,500 down. No, yeah,$7 ,500. No, no, no. We put$10 ,000 down on that one. Your head is really bankrupt.

1:31:37Yeah, we put$10 ,000. It was$51 ,000. $962. $962. 41 seven minutes of payments worth 46 and you owe 53. I'm just going to end my life. Whee! Ow. This is insane. Okay, this is a bunch of student loans. Okay. Bunch of student loans. Yeah, they split. I hate they split them all up. Yeah, it's annoying, but I don't give a... Listen. Oh, shit.

1:32:04So this is yours, I'm guessing, student loans. The 43? Yeah. 42? Yeah. 42 ,986, yes. Jeez. Which I don't pay on until... Why? ...2027, September. Because, again, we just started making this kind of money. It was income-based payment plan at that point. They pushed it back to September of 2027, so we just haven't paid on it yet. Okay, checking account. Who's Wells Fargo? Well, it depends on what the last four are. Good man. I don't know. That's obviously blacked out for personal information. Listen, a lot of money came in, a lot of money went out, so it's probably you. It's my money, yeah. Okay, we started with 101 at your income.

1:32:39It's pathetic. 990 ending. Got some bullshit at Bucky's Energy Drinks. Get yours. 40 cents a serving. Instead of stopping in and getting some bullshit, and then gamer subs, get the flavor you like with the free samples. Link below. Twitch, you're paying for Twitch. Who are you watching on Twitch? Who are you watching on Twitch for$18? It's like... I watch Smitty a lot. See politics? Gaming. No, no, no. Gaming. Okay. I thought you were down the... No, no, no. Waffle House. Bullshit. I know what that is. That's the main account. That's waffles. That's the main account. Margarita Spicy. Margarita Spicy.

1:33:16$600. Yeah. So that's her name on my phone. That's all it is. Oh. Yeah, you're selling her a lot of money. Zaxby's Pirate Ship, Google One, Google Life 360, PayPal, PayPal, PayPal, PayPal. Something auto, but it wasn't for a car payment. Appleville Cash App, Premium, PayPal, PayPal, Coach, Outlet. There it is,$338. That says Sugar Daddy spoiling you. Amazon, Amazon. I'm not saying it's bad, but it's just like if that's what we're using for gold digger, I don't think an outlet purchases gold digging. Oh, and you have$10 ,000 to sit in debt, but you didn't send it in. That's great. You didn't send it in?

1:33:58I don't even know. No, it's all on deferment. Is that what it's called? Yeah, we'll see after you guys file jointly. Okay. We've already filed jointly. We've already filed jointly. Yeah, so it'll probably start at some point soon. It's been a couple years, but yeah, I'll probably start soon. Yeah. 44 cents in your checking account. Chase, right? Yeah, you're pathetic. Raising canes. Bullshit, bullshit. Rover. That one started that account. You keep people in Rover when you have no money. Golden Nail Lounge. That account started after. Fine. They're short. Not good for back scratches. Rip. Sorry, buddy.

1:34:32We just had a short one. McDonald's. Huh? We just had to shorten her nails. Yeah, we just. Had to? Yeah, they kept breaking. Rip for your back scratches. Okay, yeah. Well, I'll try to budget you guys, but this is crazy, man. Guys, join us for the post show. So it's going to be really good here in a little bit, but I got to get these minimums. I'm going to go through his phone, see the weird shit in their messages that she was hiding. What are you scared of, girl? What are you scared of, Sam? What's so spooky? I'm not scared of anything. I just don't like people going through my phone. Why? You don't want to go through our messages?

1:35:06No. Why? My phone to me is mine. I own it. Well, that's why I'm going through it, silly. You want me to go through your phone? Sure. I don't give a shit. What the fuck? What would I care? It's just, I just don't like it. I just don't like other people having my phone. There's nothing on there. He's going to have mine. That's fine, but he didn't go through my yard. Okay, your minimum payments, this is fucking insane, guys. $3 ,823. It's one of the higher ones we've had. No mortgage. That's our minimum? Yeah, it's your minimum monthlies. 30 cents. What's your rent? $24.24. Jeez. That includes car payment, correct?

1:35:43That$3 ,000 monthly? Yes, that's a death. Gas, electric, all utilities plus internet, how much? Looking at probably about$300,$350. Phone bill? We don't. We don't have a phone bill. It's a family plan. Gas, vroom, vroom, drive, drive, both of you combined? Easily, I'd say combined about$300 a month. Car insurance? Car insurance is around$400 a month. Necessary food,$600, pretty easy. Follow the meal plan, get the cookbook, use the dialer wise. TP, fun, anything else you guys need to survive? all the nails, all the good stuff. Goodies, goodies. $250. Medical healthcare, are there co-pays on a monthly basis?

1:36:23It's on a bi-weekly basis and it's$150. Cool. A month or$300 a month? $300 a month total. Okay, subscriptions, I'll give you$50. Is there a gym? No, it's paid for by my job. Okay, how many pets? Three. What are they? Two dogs and a cat. Okay,$150 in pet insurance because you have to have these and pet insurance so you don't go further into debt on care credit. I don't have pet insurance on them because I work in the vet field. So everything's at a discount for me. Then why are you guys going into care credit debt? That was before I was in the vet field. Well, a discount, but enough in a life-saving surgery?

1:37:00Yeah. I get really good discounts at where I'm at. So a$10 ,000 surgery happens. How much is that going to cost you? Depends on the surgery, I think, right? I'll cross it out for now, but pet food, how much? About$50 ,000. It's what? It's about$100 a month. We don't buy food twice a month. For Linux and the cats? Or the cat and the dogs? No, that's closer to$70. That's like$70 alone. The dog food is$60 or$70 alone. So$80. The Linux food is like$20,$60. You live clear. Only if we get the really big food. It's$100. Very expensive to live budget. $8 ,597.30. Because you guys are fucking crazy. but you make crazy income.

1:37:47My net was wrong earlier, by the way, when I told you. What is it? It's actually more like$14 ,000. Really? Yeah, it's like$13 ,000,$14 ,000 net. I get monthly stocks from my job. We sell. Okay, so you have an extra$7 ,602.70. I'll just call it. I'll give you$600 of fun. Why not? You have$7 ,000 left over. Again, this is going to just piss me off because it's like, why the fuck are you guys even in debt? You are blessed beyond blessed beyond blessed. This just happened with your cars. No, you maxing out your credit cards and bullshit. You didn't have to do all that. You didn't have to get cars you couldn't afford.

1:38:21No, I'm talking about income. It doesn't matter. You didn't have to get into this situation regardless. With a lower income, this is what you guys have done with your money. You're spending your bullshit, your desires. It's all stupid. So minus the student loans, you know, 135 ,326. Because student loans will minimum payment until they're paid off. And that's a lot of money. but with your$7 ,000 extra, even with your... Dude, it's less... It's a f***ing year and a half. This is pathetic. Shut the f*** up. Your Hammer's financial score is you're both privileged who don't even know what a hard time is.

1:38:51And this is pathetic that you're even in this debt. So go f*** yourselves. Get yours at CalebHammer.com. You won't get that score, but they will. Go f*** yourself. Join Hammer Elite. Three preview shows every single... It takes a year and a half. What the f*** is wrong with you guys? Why are you in the... This is so stupid. You guys are... Join us at the post show. It'll be a good one. Join Hammer Elite. I'll see you there. Do you have girlfriends? No. All guys. I actually don't have, no. You were flirting with men. Yeah, there were definitely too far conversations in the past, too, that I'm like, she was flirting with men.

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