The Most INSANE Couple Ever | Financial Audit

22:46Hey, I got rich. Does that mean I'm all of a sudden diddling children? Is that how this works? No, but I mean— When you unlock a net worth, do you all of a sudden like, ooh, that's a child. No, that's not true. But there's a lot of people who are, who they get into their rich in fame by selling their soul and doing dirty things with children. What the fuck are you talking about? Selling your soul. Did you sell your soul? No. Well, not everybody does. Created a popular show. For example, okay, Justin Bieber. He tried to get out of it, but he sold his soul. He did a lot of bad things. Bro, that dude fucked his brain with drugs.

23:22I don't think I'm listening to him. Diddy? Well, diddy. Diddy? Diddy and him were like— Yeah, Diddy was like lube obsessed. I don't know. No, he was child obsessed. I don't think his whole thing was children. Diddy did the whole little up and just be lube. It was. He was on trafficking charges, but not for children. They made him look crazy because he was starting to call out the bullshit. I think he made himself look crazy, and he just apologized. So now the Kanye West that's here isn't actually the Kanye West. What? See how all this has no factual facts to it at all? No, it does have factual stuff, though.

23:57It does. It's all insinuation, bro. It's not. It's factual. It's not factual. It is factual. Factual has to be a fact. That phone's black, right? Prove to me that the world is flat. Well, then you got to pull out scripture and stuff, but basically, yeah. I like the Bible. I don't remember any part where it says the world is flat. Hey, type in chat GPT to make you a model of the world based off the Bible and the Ethiopian Bible and the book of Enoch. Do it. Okay. So you've got like the thing, right? And you've got the, what is it called? That we call the foundation. Well, you got your foundation.

24:32Then you've got the dome. Oh shit, you're in this too. You got the dome. You got the firmament. The firmament, thank you. And then you've got Sheol, which is like hell. And then let's see. You got the sun and the moon are in here. And then when you talk about the book of Enoch, there's different portals right in through here where the angels, how do you make little angels? They control the weather through these portals that go like in and out. Oh shit, they have children. And then it goes down like this. Well, I teach them about like NASA and stuff too. But did you know NASA means to deceive? I teach them about all of it so they can think for themselves.

25:09That's not thinking for themselves. That's you teaching 7, 4, 6, and 14 month year olds. Well, but I don't want to teach. That's not thinking for themselves. You were telling them. No, that's not true. I'm not telling them. I'm saying these are theories. Where's the earth? This is the earth. Okay, so I'm not going to ask or insinuate, but I'm sure in the military you went places. Did you go in a straight line? I mean. Or did you go around the planet? I mean, here's my view, right? When you fly, I mean, I've never paid attention enough to know if we're going sideways, going around, or whatever, things like that.

25:43That's not true either. but um please tell me these kids are not being homeschooled they are being homeschooled I am going to but I don't teach them I'm not saying this is fact she does give them options right she teaches them about both about like the globe and NASA I'm afraid to ask a question I'm scared to hear it school shootings quick question how much control do you have over your money right now technology has changed everything and now it's changing how money works Crypto started as a niche, but now it's going mainstream. Faster payments, more control, fewer middlemen. This isn't hype.

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27:38I think the shootings actually do happen, but I think they're just random acts of violence. I do not think that. I mean, let me rephrase. I think some of them are because these motherfuckers are crazy as hell these days. But, like, you know, you got to look like this way. You got kids having kids back in the day. They have their damn parents. We got a victim-ass mindset of the world. It's everybody else's fault but mine. They think they should have a litter box in their public school bathrooms. That's been a thing. There are no litter boxes in schools. These conspiracies are insulting. Yeah. Wait, no, what?

28:07They want litter boxes in the public school bathroom so kids can pretend they're cats. They don't want them. No, okay, there's some crazy shit going on with like weird gender shit for kids. Okay, that's fine. But that doesn't mean every mass shooting's fake. Well, no, I didn't say every mass shooting. That doesn't mean the majority. That doesn't mean any of them. A lot of them are. Sandy Hook? Oof, yeah. Well, so actually one of the teachers who supposedly died in that shooting died in another shooting like a couple years ago. Like the same person. Apparently. Central casting. Apparently. Apparently means reality and fake.

28:42Bro, you just drew doors on the cap of the earth where angels control the weather. Yeah, angels are real. They are. They are. If you're a believer, it's not saying that angels are fake or real, but you said they're controlling the weather via a door in the top. regardless. Did we go to the moon? Did we just fly around the moon? Did we just fly around the moon? We did not go to the moon. We've not been to the moon. I don't believe it. Did we just fly around it? We have not even flown near it. I think it's all fake as shit. Why? Because it's fake. I don't understand why. It's not that difficult.

29:11Even the Buzz dude said that it was bullshit. It's not that difficult though to go up Elon all - It is. In Brownsville where he's launching rockets like every three days? It's fake. That's all fake. Well, I mean, they're going up but they're not going that high up. What the f***? So all the satellites where I'm getting my Starlink internet? Yeah, it's all fake. So the internet I'm getting is fake. Where's it coming from? No, your internet might be real, but like, I don't, but it doesn't change the fact that we can't. She thinks the idea of space. You think, we just got cell phones. You think we could go to the moon and take videos?

29:39Yes, it's not that difficult to go up in gravity. But it all, like it isn't that crazy. Like, yes, it's difficult for us to be 100 % safe, but it's not actually that crazy. But it is, it is. I mean, I think some of these conspiracy theories can be true because if you look at the way 9-11 happened, right? Oh, that was my side job. And why we're in Afghanistan. If things happened in Afghanistan that didn't make any fucking sense, like, you have people there, dude. Like, we're not out there just, like, fighting a war, somebody trying to kill us, right? We showed up, tried to fix the shit. They got pissed off at us.

30:08Now we're fighting back and forth. Obviously, we're gone from there now, right? What does this have to do with the moon? Wait, what? Because here's what I think on that aspect of things, right? It's like 9-11, right? 9-11 was playing. A lot of the moon stuff is done underwater. Are you going to let me talk or no? What the fuck? Well, you interrupted me, so I figured. Well, because y 'all are just going on and on. There's nothing happening in the conversation. But there is stuff happening. But you're not making. I'm educating him. You're just hanging on to me, bro. You ain't had a whole little back swill, like back fence on your stuff.

30:34Well, that's because we're jumping topics a lot. It's just a bunch of theories. So. They have no. I'm like blowing your mind right now. No. Yeah. She goes off a guy named Derek Johnson, 1776 on Facebook. Amazing. On Facebook? No. Okay. He's not just on Facebook. He wrote a book. Well, he's got different stuff. He's very smart. I'm pretty sure he has a photographic. Here's what I think, bro. You don't know shit. Governors won't want you to know shit. I didn't know shit. Aliens are not real. Like, you ain't going to know shit unless they want you to know what you do know. They want you to know it.

31:05But that's what I'm saying. Derek Johnson, a Christian musician? Yeah, he also does music. But you look up his, he's like a blueprint of everything. And he goes, like, there's executive orders that put Trump as commander in chief. Like the dash. The dash means something. Was he shot? Derek Johnson? Trump. No. That was fake. Have you seen his ear? Tell him that. I will tell. He will look at me and he'll be like, yeah, you know what I'm talking about. No, he overplayed the ear thing. It was a piece of like shrapnel from when the bull of his head. Yeah, he overplayed that with the big. But to say he's not shot, he wasn't shot.

31:39It was planned. It was staged. She thinks Trump staged his own shooting. So essentially to confirm, your worldview is nothing's real. Yeah. Yeah, it's all central casting. It's all like a movie. No, nothing is real ever. What do you mean? No, anything that's ever happened is not real to you. Well, a lot of what we're taught is not real. Like Thanksgiving, the true thing around Thanksgiving isn't like what we think. I think one thing you can look at that may not be real, if you look at, like this is going to make some people mad probably, but if you look at the Holocaust, right, there's been some videos.

32:11I don't know. But out there, I don't give a shit, like there's some people out there that take a video of Hitler, and I'm not saying what Hitler did was good at all. Not what I'm saying, but what I'm saying is I think nowadays Israel is definitely. There are two types of business owners, those who are busy and those who want to be busy. Toast is designed for both with tools to keep you humming and help turn grind into growth. That's how you turn busy into business. Toast built for busy. Head of everything, right? The Jews are whatever. And like, if you're, if you're a believer, right? And God talks about Israel as a people, as a nation, not as the state as it is, right?

32:50Right. Like Israel is a state, like it's own thing. Right. But like they're the most corrupt motherfuckers in the entire world. Like a hundred percent. Right. And I'm not saying the Holocaust was good. Not saying I'm saying Hitler had a point. I'm not saying I agree with Hitler. I don't know if I agree with that. I'm not saying that. I'm not saying that. Let me finish what I'm saying. Damn it. What I'm saying is, is the people who are disrupting our government now. Right. If you look at everyone who is a Jewish, who is a Jew and they're in power, things like that. Look it up, bro. Look the shit up.

33:20I'm not a big conspiracy theory. This is something that I will die on, right? Hitler was trying to prevent his country from taking over so much of crazy ass, powerful type people. Time out. Listen, that is a fact. Now, what I say, Hitler killed innocent motherfuckers. He did. He did some really bad things. But his main purpose behind it all, he was trying to prevent a takeover from who the United States is being run through by now. So basically what Trump is doing is like what Hitler was doing except doing it the right way. He's trying to call everybody out. I don't know if I'm going to say that, dog.

33:52I ain't going to go that far. He's not trying to kill people. I ain't going to go that far. He's not trying to kill people, but he's trying to expose people. That's a little mix-up there, dude. He's trying to expose people. That is a yes. Okay, talking about Hitler wouldn't expose nobody. He was saying, he's saying, fuck you, I don't like any of y 'all. Yeah, I know, but Trump is trying to expose people and he's not trying to kill people. Like, I'm going to terminate you. You know what I'm saying? How did you guys find each other? Tinder. Tinder. Fucking. I don't even know what to say to any of that.

34:20No, but to like clarify, to clarify. To clarify. There's a lot to clarify there. I don't think what Hitler did was okay. Like, I like that. We're back to the H. No, because I don't think what he did was okay. I don't think it was an abortion. Like, killing people is not okay. I think what Hitler was getting at, bro. What did you say? I don't believe in abortion. Okay. So I don't think, because I don't think what Hitler did was okay. I don't think him killing people was okay. But I think that maybe there's a reason for what he was trying to do. There was a different way he could have handled it, yes.

34:51But the history books don't tell you. People Hiller was trying to stop are the same motherfuckers running our shit today. Straight up. That's a fuck, man. Do you need a minute? That's a fact, dude. I don't need a minute. I just don't know even if I fuck that. The state of Israel is running this shit. I could really use a margarita right now. The state of Israel is running everybody's shit. The Rockefellers, BlackRock, Vanguard. All these people, bro, they running the show. There's four more of them that they made. And they are going to be the ones who are running this country the right way. Oh, great.

35:23Our children. My daughter's going to be the next president. Haven will be pretty cool. Fuck me. I don't even know, man. I don't even know. So clearly your military disability is a brain injury. It's a heart issue, actually. He does have a brain issue. Oh, but from the military? I've got some PTSD and shit too going on. Everyone does, I guess. It was all from the military, yep. Too much caffeine, too much drugs, too much lifting weights, too much stress, no sleep. They gave you the drugs? Well, they gave him all sorts of vaccines. We got a ton of them. And so that probably - Oh, shit. My goodness, you're literally latching onto everything that people like you are just on about.

36:04Well, but because we're right. See, you can't say that because you don't really know. You just have a theory. But I do know. Like, I didn't say I'm right. I have a theory for sure. But I believe my theory. I think I'm happy that I got some of them when I was a kid. No. None? I don't believe in vaccines. Not even polio? No. Actually, if you look into the history of all these. Okay, polio is like a 0.00003 % chance of even getting the paralytic polio. It wasn't very good back in the day when a lot of people were getting it. I know, but that's what I'm saying. A lot of people were not getting it.

36:40Yeah. No. That's just inaccurate. And the studies and the statistics that you have to pay for it. Why do you have to pay for statistics on vaccine-preventable injuries? You probably just checked the teeth, it'll tell you. No, you can't do that. To get the statistics for all these diseases. She's saying to get the data on the vaccines, you got to pay for it to get the data. That's what she's saying. It's in a report? From who? From the CDC or whatever the place is that has it. listen i mean i think i just use chat to be t no you can't i think everyone is in alignment that maybe went a bit too hard during the covet thing with the freak out like i get it but a lot of that is hindsight okay hindsight we also don't we also don't we also when people can't have babies now we didn't really know listen i'm gonna tell you when i first started i said guess what i was like actually trying to give you a bone here of like i understand stand where a lot of people's minds are because we went way too hard in places like California on that license.

37:41No, I get it. I get it. I get it. I get it. And in hindsight, yes, it wasn't as, I get it. If you're a healthy adult, it was fine, but whatever. But come on. I mean, I'm okay that I got the polio. I'm happy that I got the polio vaccine. Well, I mean, but not everybody is. Huh? Not everyone is what? And if your vaccine works, then why do we need to get it? So let's say you've got your polio vaccine. What did you just say? And I'm not, and your vaccine works and polio is going around, then why do I need to be vaccinated if your vaccine works? Because vaccines create antibodies to protect you against a disease.

38:16But I've got, yeah, but the disease isn't actually. They gave him a big f***ing. I know, which is why he's kind of. You think. Listen, dog, that's not why, actually, but. I don't even, I just don't even know what to say. But when there's like different realities, it's not a conversation that can be had. I just don't know. But there's reality and then there's the show that you're being given. Okay, Tom, I'm going to say this real quick. This is the basis. This is definitely like a belief thing, right? And I will say this. So when I was born, my mom, she's a nurse. We've been a nurse for 40-something years, right?

38:47She didn't get us vaccinated at all, right? Well, they had the vitamin K shot, I think, something like that. One or two, that was it. Really? I didn't know that. Individuals do. It's so clever. What I'm saying is there's a lot of people I feel who don't get the vaccine just stay healthy for a very long time, don't get sick very often, whatever, right? And then, but I'll say this on the contrary, right? On the contrary, right? When I went to the military, they give you every damn vaccine, probably you can think of them in your mind. Well, your blood type is healthy. And when I was in there, I, dude, I don't remember one time ever getting sick besides that, right?

39:16And that's kind of a big deal I get, right? But the heart attack, heart attacks can be very much stress-induced, stimulant-induced, whatever the case may be, right? Stress, whatever. Heart attacks can happen for a lot of freaking reasons or whatever. And you said drugs. Like, I don't know, but you said drugs. Yeah, drugs. Drugs. I took, okay. So I took a lot of like, obviously, I mean, you've got pre-workouts, got a ton of shit in them you don't really know about, right? Including caffeine. And if you were caffeine max, like you're likely above the daily dose, right? I was taking a shit ton, bro.

39:43Okay. Well, yeah, that would do it. But there was also, you know, you got to look at like SARMs, a selective andro-module receptor. I don't know if those are or not, but they're basically a selective andro-receptive module. Module. Excuse me. Receptor module. I can't say it. But basically what they do is they attach to your receptors in your body to create physical attributes, whether it's muscle, endurance, whatever, right? Instead of taking like steroids that affect your hormones, SARMs, for the most part, don't affect your hormones, right? So I was taking those, right? So I was pretty jacked, whatever.

40:16Things like that. Okay. What's your disability again on a monthly basis? 4 ,646. Okay. So 8 ,446. Okay. That's... Wait, what? What? Eight. Eight. With your four. With the four that comes in with the other job. So that's the household income. How much is that? 1905 plus 955. Can you math that? Whatever that is. Math that? Yeah, I didn't go to college, but I dropped out. 905, you said? 1905. So 1905 plus 955. Okay.

40:50Okay, so yeah, that makes sense that you can stay at home and teach your children to be retarded. They also work. Actually, my kids are several grade levels above the average child. How would you know? Because I've tested them. You tested them. Great. No, it was all about. She's got a third party. You got to talk. Say shit for real, bro. So they're actually extremely smart and socialized. Uh-huh. I believe that. Did you know over 70 % of kids in the public school system aren't even making their - Did you know that 100 % of the things you say I can't trust anymore? I know. You've ruined everything you will ever say.

41:25Because you don't know the research. I don't have all the research in front of me. Girl, this is how you drew the planet. And you said angels come through this door to control the weather. Well, read the book of Enoch. Let me just grab my stuff off the bus.

41:38I don't know that one. Okay, exactly. But do you believe— What is it? Okay, well, here's the thing. What is it? It's a book. It's part of the Bible. From? The Bible. Is it in the Bible? It was taken out of the Bible. No, it was taken out of the Bible. Okay, well, if it's not in, then— It's because of King James, bro. King James of the Crip, little shitbag too. Huh? King James took the book of Enoch. Hold on. If you are a believer in the Christian faith, the book of the Bible is the word. Yes. That's it. That's right. No, that's not it. No, that's not it. There was the original Bible. There's the Ethiopian Bible.

42:06That the Council of Trent took out? There is, there's all sorts of things, all sorts of books that were taken out. I can't even answer that. Okay. Yes. Yes. They're the ones that took it out, but. It's Council of Nicaea. I can't say that word, but anyway. Not Trent. Like the whole purpose of it is, right, is like, I believe, I mean, here's the deal too Right? The word, the word of God has been translated. I'm sorry, kiddo. Your mother's. Your mother's so. It's translated so many times, bro. You can't take the word of God in an NIV or a NIT or a Key James Version and read it from what it is. So why would they take that out?

42:37Your magical dome. Because then it proves. Government, bro. The government. Why? What advantageous thing would the government have to say that it's. Hey, what benefit? Control. How are we being controlled by saying the earth is like this? If you prove God is real. What does it do? To say it's round, what do they gain? Okay, for example. What do they gain? Because. Deception. Deception, the truth of God. Deception for what? The truth that the Lord is real. How does it disprove that by saying the planet's round? Because when you read the first, when you read the Bible, I can't quote it, right? I can't.

43:07But if you read the Bible, when it starts talking about how he made the earth, right? He talks about the firmament, water's above the firmament, and then he talks about some And how the earth was made. Because then it disproves the evolution. Enoch. E-N-O-C. it disproves evolution and like that we came from monkeys. They want control, which is the school system. Okay, so, okay. When Darwin made that, you know, he worked on all that. Very good. What does it actually give them that some people believe in evolution? What does this give them? Control on what? It disproves God is real. If you prove God is real, you lose all power, all everything.

43:44What does it even matter? Because like, first of all, Republicans in this country are overwhelming religious and they're trying to push religion. They think they are. Okay, they think they are, but like - They want you to think they are. It's a spiritual battle. But for what is this battle raging, you ask? I don't know. What stands at the center? So then you've got - Multi-motherf*** working together anyway. E-N-O-C-H? Yeah, E-N-O-C-H. Republican Democrats work together anyway. Yeah, but it's a spiritual battle. So if I run for office and I get elected, I'm all of a sudden going to just be this evil person or part of a conspiracy?

44:12I wouldn't say that. Even if I never heard of it? So what the fuck are we doing? But you probably would have heard of it. I think people slowly - Because they're going to introduce themselves to you. And they're going to ask you to join their shit. And if you say no, then they're not going to let you go further. Or if you say yes and then say no, they're going to label you as crazy. Why do you think they're all on Candace Owens' ass trying to make her look crazy? There's one option. She might be. That's one option. She's not crazy, though. She might be. Okay, you know Britney Spears. Her and Justin Timberlake actually died in a car accident in 2001.

44:46Enoch was not actually written by biblical Enoch. It was written by multiple Jewish unknown authors. Allegedly. Composed over several centuries from 300 BC to 100 BC. Yeah, they found all of that. With some sections possibly even later. So Enoch was actually. It's not a single book. It's a collection that's together. It is. It was probably just these trolls though. So Enoch was actually sent into the Garden of Eden to be as like a bookkeeper for everything that's happening tomorrow. Uh, it's that person isn't a thing. It was written by other Jews, Jewish people. But I also think this, bro, you have to go, you have to read the book.

45:25I wouldn't say Jewish people. It may be fine. It was written by multiple Jewish people. That's going to tell you what they want. That's going to show you what they want you to know. Okay, very good. And where are you getting the truth? We made it up. We made this one up. It's a made up tale. It's a total fabrication. The chronic migraine. 15 or more headache days a month, each lasting four hours or more, can make me feel like a spectator in my own life. Botox, onabotulinum toxin A, prevents headaches in adults with chronic migraine. It's not for those with 14 or fewer headache days a month. It's the number one prescribed branded chronic migraine preventive treatment.

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46:36Why wait? Ask your doctor, visit BotoxChronicMigraine.com, or call 1-800-44-BOTOX to learn more. See, this is where I... He told you? What do you mean? Enoch said this was written by Enoch. What? Enoch said this was written by Enoch. I didn't say Enoch said it was written by Enoch. I said, read the book of Enoch. Then how are you getting that truth? How am I getting what truth? That truth that Enoch went into the garden. Because it's in the Bible. It's in scripture. Which one? An Enoch? An Enoch. Which is not in the Bible. It was taken out of the Bible. It was taken out of the Bible, though. This sounds absolutely insane, and I'm aware...

47:11It was originally in the Bible. oh shit I'm pretty sure I'm right on that though go ahead I don't think you're right on anything lady I am right on it it was taken out of the Bible because they felt like it wasn't it couldn't be proved legit is their reasoning but it was in the original Bible here's my deal too bro I was like if you're talking I don't know if you are or not Caleb but if you talk to anybody else who is a believer and not a believer whatever the case maybe is right whatever your belief is right it's really hard unless you've experienced God yourself, it's hard to believe that God is real.

47:46So it's considered a false attribution by scholars all across multiple centuries since the Bible was made. Because the thing that it talks about is very different. They don't want you to believe it. Who are they? You keep saying they. Who's they? The people in control, like the Rockefellers, the freaking Epstein. The Rockefellers didn't exist. Epstein didn't exist when they said, well, they didn't exist over the centuries when they were saying It's a false attribution. But people like them did. It was never, not once a part of the Jewish canon. Not once a part of the Hebrew Bible. It's part of the Ethiopian Bible.

48:19Ethiopian? Uh-huh. Why the fuck would I care about Ethiopia? Because that's the original, like, the least messed with Bible. There's Bible too. But, like, you've got to show, because you're reading stuff. How do I know that what you're reading is actually, because I've done my research. From what, though? And you're doing, like, a five-minute little scroll. From what have you done your research, though? Well, I mean, how does anybody do research? You read books, you research things, you Google, you read scripture. I will say this. I mean, yes, I'm closest aligned with Christianity, I guess. Okay.

48:51But even still, you can't read that and say because you heard it in the book, and the book says the book is real, that all of a sudden the book is real. Yes, it does. I mean, let's be real about something. No, but that's not how that works. Because that's, exactly, that's faith, but that's not that. Well, that's your opinion based off somebody who's - No, that's faith. It's not fact. I mean, I still do believe in the Bible because I'm, I guess, Christian. Okay, do you believe it's fact? This is for me and her. No, but I'm also a realist. I understand that just because if a book tells me the book is real, that doesn't mean the book is real.

49:22But it does because everything that's happening in the book is real. That's just religious belief. That's not an actual research fact. But it's fact, but okay. About the world outside of the book of what was happening. So much science points to - Science! Dude, okay, do you know they found Jesus's blood? Like they, like all of that is real. they found the ark of the covenant they found yes they found the ark of the covenant and they tested his blood and it only had the chromosomes from his mom so there's facts that have been hidden that show everything in the bible is real like when the moses split the sea they found all of the pieces of the trolleys whatever they're called chariots in the bottom of the sea so there is proof, but they're covering it up in high school.

50:07There are certain stories of the Bible they can go back and find the actual artifacts of the story of where it happened and all of that. But I will say this. I agree with Caleb to an extent where it's like I do believe in God 100%, Yeshua, Yahweh, whatever you want to call him, right? But at the same time, I think God has given you the ability to use discernment and also the fact of being able to decipher fact from fiction on fiction, right? So no matter if you're a human, bro, you're going to have the issue of, okay, yes, I do want to have faithfulness, but the same time, I still speculate, specular, whatever.

50:40You're just telling everyone else that they're, because this is a part, it is a part of the Ethiopian and Iridian Orthodox Bible. So it's a part of them, but for every other denomination and faith, it's treated as Jewish literature rather than scripture. So you're just saying that the other people's faiths are wrong. Okay. So think of it this way. You're just saying the other people's faiths are wrong. No, that's not what I'm saying at all. That's not what I'm saying at all. We're all on our own walk to learn and be taught and told what to believe by the Holy Spirit. However, look at it this way.

51:07So we've got modern medicine like Tylenol, right? So let's say we're using Tylenol to get our fever down. Well, then we come across some old scrolls that say, oh, you can get your fever down with a cold washcloth. That doesn't make Tylenol irrelevant. What the fuck? You've been doing that forever. It's a hypothetical example. It's a hypothetical. I'm giving an example. That doesn't make the Tylenol any less real. No, you're an author. You wrote a book. People are reading your book. It's on Amazon. Oh, no. Oh, yes. Oh, no, no. Luckily, that one doesn't have to talk about anything crazy. Oh, it has one review.

51:39That must have been you. Actually, no. I don't think you can review your own book. I tried. I have an exclusive offer just for you. But there's only one day left to purchase. For a one-time payment of$500, you'll get our entire Hammer Elite catalog for life. and a limited edition Hammer for Life box packed with limited edition merch you can't get anywhere else. Plus, you'll get access to our exclusive four-hour Hammer Elite Day livestream on June 27th. Plus, 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.

52:17And to celebrate the app launch, I'm offering 30 % off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pinned comment below. This is the best membership you'll ever join, and that's a promise. You suck with money, so you download a budgeting app. You start with the classic one, Wynab, but everyone just elites 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.

52:51Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise. Built by these people just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, DollarWise.com. Link in the description below. I mean, I can still write a good book and have my own conspiracies. It's just true. Yeah. It's great. It's helped a lot of women, actually.

53:28It has, including myself. It sure has. Like, I know attorneys that are giving it to their clients. Oh, guys. I just, I don't know what to do. Listen, like, yeah. Now I, was that a financial conversation? No. but does it absolutely suggest how the fuck you probably cannot communicate in this house? Absolutely. Once you guys have set your own realities and your own opinions on something, you guys are hard-lined. You will never be changed. You still got to be flexible, bro. But you guys aren't is the thing. And if you guys have different opinions on finances in this household. Listen, we're married, but we ain't the same, okay?

54:04Exactly. But you guys are married, but your finances aren't. You guys are so hard-lined and you will never be flexible on finances. I'm flexible. What are you talking about? No, you're not. You just, when you went like - You completely disagree and disregard everything that I do. You are not flexible. I am flexible. You just have any control. Tell me. That's the difference. Tell me the finances in this house. How you guys go about it. How the conversations are. She has no idea because she doesn't want to know what happens. I do want to know. She claims she wants to know. When I try to give it to her, she says, oh, you're the man.

54:29You're supposed to handle it. I can handle the weight of that. You're supposed to lead her. You do it all. But I want you to do it my way. But he spends his money on like stuff that he shouldn't be doing. That is a fact. I want to argue with that. So my bills are all paid on time. Like, but his, but when he pays my bills, they're late because he'd rather have fun. And also for what it's worth, I do have to say, when you talk about how it was taken out, because I care about this. The Jewish canon, the Tanken and Hebrew Bible was largely set by the second century or by the first century. So they chose what they wanted to believe.

55:04First, Enoch was written after that by year 300 or 100. And? It was written after the Bible was already set, so you can't say it was taken out of the Bible. It was written post-Bible. But it was part of it. Written after, so you can't say it was taken out. So technically that means it was added. So you're asking for it to be added. And guess what? I didn't know that actually, so that's interesting. And the Bible specifically talks about in there, and I can't quote Christian scripture and stuff. I'm not good enough for that, okay? You're wrong. but it huh you're wrong okay good and whatever it says it says like it warns you of false prophets and all this shit in other editions and when people try to add things it warns of that and this is additive but but is it it is okay off of that subject right like if he's what he's saying is it's factually correct right off of what he's looking at if that is a fact he's correct right it's like if it was added to it then he just quoted the fact that you shouldn't believe in things that are added to it and blah, blah, blah, right?

56:01I mean, like, I think even if the book of Enoch is true, say it is, right? It still adds a lot of confusion and more things you want to, you have to decipher through, things you have to try to not or to believe. It's maybe that was a protection from God. Say, listen, bro, don't go down these rabbit holes because all you need to know is about me and only me. You don't have to know all the facts. Yeah, like all that. That's what it narrows down to. Well, it's fun to go through in like these rabbit holes, but like truly ultimately it matters your relationship with the Lord. When you base your whole worldview off of rabbit holes and you're raising your children based off of rabbit holes, when you raise your children based off of that, that's concerning.

56:34But I'm not raising them off that. Have you told them this? Yeah. That's concerning. But I've also told them the other theories, and I've said it's a theory. What theories? So like the globe. I'm sorry, us going to the moon is not a theory. Us flying around the moon, we could go is not a theory. That's your opinion. No, that's not my opinion. Mars exists. You can get a telescope and go see Mars. You can look at it, sure. That's not a theory. No, you can see it. I've seen it with a telescope. a theory when you see it. But how do you know we've actually been there? That's the thing. We haven't been there.

57:00So Mars, rovers are, rovers are, we have live feed. Yeah, that's fake. What? I've never looked at it. So when the Soviets in America were in this massive space race and the Soviets set even a rover to Venus, you're saying that's fake? They conspired together. The two enemies of the world conspired together. Yeah. Why? I don't know. The Soviets in America conspire together. I haven't looked that far into it. Oh, but you just have to say it's fake. Because it is. That's my opinion. That's just your opinion. That makes no sense. It does. Everything she says is her opinion. But it's most likely correct.

57:40Her opinion. In fact, it's most likely fact. Her opinion's fact, though. You can't argue with her, bro. Well. When I say you can't argue with women, is the definition. Who? Chelsea? Chelsea is the definition. Damn it. So again, like the Torah, that was widely accepted and authoritative by 400 BC. We are Torah. But Enoch was done by 100 BC. But there's also 300 years after. There are people who don't believe in the Torah. The prophets were mostly fixed in by 200 BC. Again, Enoch, 100 BC. Does this make you like correct? Huh? If I do that, does that make me correct? No, but if you actually read it, then you would be.

58:21But I have read it. But you're doing like a two-minute little reading on Google. Okay. That could be, are you on Wikipedia? Wikipedia is not like a good place to get your information from. Okay, where is, lady? Help me. Well, lots of places. Okay, very good. But you have to take— From the Book of Enoch itself when it said, no, this is actually written before. Book of Enoch is even mentioned in like the Bible. Where? Google it. You don't trust Google? Yeah, well, Enoch is talked about in the Bible. Well, he is, yes, but— So? I do have something that you can look up that's fact that's actually really interesting.

58:56In the Bible, where it says, in the beginning, if you translate that to old pictograph, ancient pictograph, and then ancient— What do you think your household financial score is 0 to 10? Zero being the worst, 10 being the best. So is the score. Well, the trans person was 2.5, and I feel like we're better than him and her. 2.5. Yeah. Launch your Hammer financial score. Get it for free at CalebHammer.com. Just take the assessment. It just takes a few minutes, and you can see where you stand. So take it for free. Link below, calebhammer.com. And if you don't want to be like guests who end up on the show, make sure you download the NOLOWISE budgeting app.

59:29It is great. Tens of thousands of monthly active users for a reason. Check out the free trial. And if you like it, sign up for the annual version because you save almost 50%. And you get my budget-friendly, you get this 30-day meal plan. Yay. And the budget-friendly cookbook, the digital version. But you get this physical version of the meal plan signed by me, mailed directly to you. Okay, so, yeah, I mean, you are right. it's mentioned in the standard Bible that most people say. Just in terms of like... a person not necessarily doing much. he went for a walk once he was born once he was the father of someone once okay I mean yeah that's pretty much it

1:00:17I'm right you're wrong about what about this okay well you're the one trying to disprove me I'm just letting you know not even that just bringing up context of like the timing of like the actual timing like time just context of time okay And if that doesn't even make you question something, that's a little concerning. Because the people like you are always like, I'm the open-minded person. I'm the one that's willing to consider anything. But the moment you hear something that actually challenges your conspiracy, it just— But you need more context, too, because the calendar— It's just time. I just care about when it was written.

1:00:48Yeah, but you can't know the exact time because they've changed our calendar and our time. Oh, f**k. See, that's how you can never have a conversation because no matter what, the world is fake. And if the world is fake, then you can never be right. No, legit. So like it doesn't work. What time, what year are we in now? Well, that part I don't know. Okay. I think it's like 2013 technically. Does it even matter? Why does it even matter? Yes, if you're talking about this, it matters. The year is whenever we decided we started tracking. The year is different in different countries. It's different in China.

1:01:16It's different in North Korea. The year is different. Yes, it is. I know, but what you're saying is it's true but inaccurate because if you're timing stuff. That makes no sense, bro. You are so retarded. If you're putting a timeline on something and your timeline changed halfway through. Okay, so you don't trust her with money because she's. No. Like, I understand. I get it. Listen, I wouldn't trust you with money either because you're the one laying on the mortgage. But even still, it's just like you're not willing to combine because you don't trust her. So we need to have a 13-month year with 28 days in each.

1:01:47Why? Why does it even matter? Because it Fs with our time. Why does time even matter? That's my question. Hey, fucking so what? Because if you're going to make facts, like claim facts off of a timeline that isn't accurate, then you can't make that fact claim to be fact. Oh, my. I don't even know what to do with you. So, yeah, you don't trust combining with her. I don't blame you. I don't trust combining with him. What is going on in the household finances right now? Guys, please tell me. Well, we did have a flood in our house. That was what? No, I'm talking about y 'all's dynamic. I'll tell you what it is.

1:02:27She... I'll tell you what it is. Me, I believe in having a little fun. Probably only here for so long. I get money every single month. So I believe in living my life a little bit. Do a couple things I want to do. But you got kids. Aren't they important in this? Kids can have what they need. They don't have to have what they want. They can have what they need, but need is a roof over your head. And if you're getting laid on mortgages... That's only so long that it gets so close until it impacts your credit, until it gets... Our credit's impacted. My credit's been impacted for years. I mean, honestly, credit is like the least of my worries right now.

1:02:54But people lose their houses every day. You're not in a unique position necessarily. You push it to that edge so many times, then they lose something they need. It's not about what they want. Yeah. But push it closer and closer. True. I'll tell you this right now, man. Okay, I'll say this. I did make a mistake allowing us to go to Tennessee last year and skip the mortgage one time, right? I'll say that. And right now, yeah, that's just what I decided to do because we want to go see family. So what I did is, well, I said I'll push the mortgage from the first all the way. It's about the, I said, wait till I get paid again, right?

1:03:23Cause we were on track, right? We were. And then I, I basically skipped the month of the mortgage, So I can pay at the end of the, end of the month. So the first month, I said, then I'm going to take it from us. Let me finish talking. Right. And so, um, I did that. And when I did that, I just haven't made enough money, ever made enough money again to catch up on that. So I'm just buying because of that, honestly, for the most part. As you know, finances are a leading cause for divorce in this country and she loves getting divorced. So this is— I don't love getting—I'm going to pretend that I didn't hear that.

1:03:51What did you just say? You like to interrupt a lot. Every time I talk, you just want to interrupt. You want to talk and stuff. Well, because part of it was Christmas. Like, we had to get them Christmas stuff. But I don't like being divorced. Which I definitely disagree with that shit too. It sucks, and that's expensive. Divorce is expensive. Do you have a voice? No. Yes. I don't. I have one. I get real loud too, but the defense are, so— It does. Wait. I love when I hear someone say they don't have a voice and then the other person that controls them says they have a voice. Well, because he controls everything.

1:04:18She thinks she controls me, but I just do whatever the fuck I want to for the most part. Oh, so you do have a voice then. Yeah. But it's quiet. It's not quiet. Have you met him? It's quiet. It's not quiet. Guys, you guys are on a 40-year mortgage. Nobody does that. Well, that's okay. So yeah, I know you're right. Nobody does that until you're about to lose the fucking house and then they offer that. So you almost lost the house. I almost did, yeah. See how close we are that we've almost lost the house and we have kids? Once, yeah. We don't prioritize fun. Exactly. You don't do extra activities.

1:04:46You don't, you don't, I could go on and on about that one. But even for me too, I'll say that for me. I'll start with me. Yeah, bro. Like I was a dumb ass. I spent much money on some video games. I spent some money on some fucking, how much? He can find out. Don't worry. I don't even know. So it's a big amount. Like 2 ,500 a month. Not a month. Get the fuck out of here. It's not a month. I mean, yeah, our bullshit spending is in the thousands. It's insane. Just eating out, getting your coffees, getting the snacks. That's where a lot of our money goes. He has this thing where anytime he goes to get gas, he has to get a little snacky snack.

1:05:15If I gave you the damn money, you'd do it too. No, because I don't like getting out of the car. Oh, bullshit. And I usually, yeah, no. That's where the Jews hide. I don't like. Did you know Sam's Club isn't a store? It's actually a club with cool finds and like a whole community. It's a club. Of course, Jason. It's in the name, Sam's Club. Oh, yeah. Come join us. Sam's Club. What? You're lying at your ass right now. Tell the truth. I am. You're not. I don't like candy because it has food dye. So you don't spend money on bullshit at all, ever? I love the taste of red dye. Well, it's going to give you cancer, so.

1:05:54I'm ready for it. At least I went down having fun. I mean, tomato, tomato. That's what I'm saying.

1:06:02That's no fucking sense, bro. No, dude. This is honestly like partially my real point of view. I've had the past couple of years, so I'm stubborn. Is this ours? But it's one of them deals where it's like, you know, if I, and I know you're going to disagree with this, right? Probably. But my view is if it's not getting taken away and I can get it caught up later on, I didn't worry about missing it for a month, right? Because of the time. What are your loan, though, for the consequence? Say that again? But we're going to stay in the house forever. The consequence is you're on a 40-year loan now.

1:06:33Yeah, that was a big mistake. And a 6.25 % interest rate. I don't think that happened since, though. I'm not going to. Oh, you're going to get on a new 40-year loan since? No, no, no, no, no, no. Thank goodness. What I'm saying is I'm not going to get behind damn near 30 grand on my mortgage before they just tried to take it. That's what I'm saying. How far behind were you? Don't exaggerate. A couple months. Well, I think it was only like, what? So it's 4 ,000 damn near 4 ,000 a month. It was like two months plus fees. Two and a half plus fees, yeah. Something like that. Hey, your regular monthly is$3 ,790.08.

1:06:59Yeah. But I want to throw this out there. I want to throw this out there. that's about to go down to decrease$1 ,000 because so when I sign for the house I'm not supposed to pay property taxes right they never told me I wasn't aware that you have to go and apply for the exemption I thought it was just added into your mortgage no one ever told me that don't you owe the HOA like$6 ,000 well that is very true yes I thought he was paying and you know people have lost their houses from not paying the HOA and I wasn't aware of that either like honestly so the first two years that we lived there this is on him this is on me because she didn't really give shit and honestly just wait if you're at home all day why can't you deal with some shit because you don't want to don't bullshit don't bullshit he told me he was paying it monthly because it would only be like$170 monthly and then I couldn't get into the pool and or no the gym there we have a gym and I couldn't get in and I went and talked to them and they're like oh you guys are behind and I was like since when I was unaware you had to pay the shit separately when I was signing up for the house I've never bought a house before I was new to all this shit I just didn't think to think to look into it because I don't know I just didn't think about it, right?

1:08:03And so I thought HOAs, all that shit was tied into it, right? Obviously, it wasn't. So then about a year and a half later, almost two, they said, you know, it's, hey, bro, like you're behind like five grand, need our money, right? And I was like, what the fuck? I thought you were taking out the whole lot of time. No, it's just separate payment. Buddy, your car's not even registered. You owe$1 ,600 there. I just don't think you guys do anything. Well, on that one, so listen, there's no story on that, right? I always have a story, I know. But so when I bought my first car, right, it was in Texas, right?

1:08:29Tax, titles, fees, lots, all that was included in the deal, right? That's how they do it in Texas, right? Or Oklahoma. Oklahoma's different, and so is Arkansas. And so when I had to buy this car, because the car I was driving at one point was paid off, but I'd wrecked it, missing a whole half, half the fucking car was gone, whatever, right? Had to go get this car. It's the only thing they have in the lot for me, supposedly. So when I bought it, I never had to pay TT &L, right? And they didn't tell me to do this when I left, so I just didn't think about it. I just had no idea. And then when it comes to the tag on the car, right?

1:09:03They told me, yeah, just transfer your... Just pay it. Just pay it. You guys make money. Just pay it. But we can't because he's spending it on eating out and baseball. Yes. You spent a thousand dollars, more than a thousand hours. I didn't fucking know. That's the thing. Okay, but we do now. We do now, though. We know the HOA. We know the car thing. And you guys spent thousands on bullshit last month. Yes. Thousands. So just pay it, guys. Come on. What are we doing? That's the plan now. Capital One, who has this? She got all the debt. Okay. Really? Straight f*** up. But you don't even make money.

1:09:31Why are you the one going into debt? So this was like before. No, it's now. You spent on this now. Well, I got that one because I— Last month, you spent on this. And listen, you pay it relatively down, but not enough to make it not accruing interest. And also, it was— Hey, she had a pass-do fee. So I thought you were getting on his ass for not paying shit on time, but you were passed due. So here's the thing. I was paying it, and then I stopped getting money. Why? From what? Yeah, from what? So I was using that and like reimbursing from child support. Why'd you stop getting child support? Because he decided to stop paying it because he's trying to make it to where I can't pay for my attorney.

1:10:07Well, deal with that. But what I'm saying is like I was trying to get my credit back up so I can lower my car payment. Credit back up? So you're spending it on Chick-fil-A, Chick-fil-A, McDonald's and bullshit? This is bullshit. It's all bullshit. And interest is accruing. Like you're not even just paying it off. But I was because you're supposed to pay it down to like 30%. No, no. No, it's you don't keep it above 30 % or else it's f*** you. Dude, my credit's better than your credit's ever been and I've never had interest accrue once on a credit card. But it's only like$30. Doesn't matter. Doesn't matter.

1:10:38I've never had interest accrue once on a credit card. Huh? So you spend like, because it's a$300. You spend like$600. Yeah. Yes. No. Well, between two. Yeah. No, between this card. Well, then that's interest. And this card, you spend$534.89 in one month. Then that's not recent. Oh, yes, it is. It's not because I only had a$300 credit. This was a month ago. One month ago. I only had a$300 credit. This was last month. You had a credit card a month ago? No. No, it was only a$300 credit. Yes, it's$300, but since you put a little extra towards it, you were able to spend more. I didn't put... What? Yes, you put$460 towards it.

1:11:11Maybe it is. I asked you who it is. You said it's yours. Listen, dog. I ain't... Hey, retard. It is a$300 limit. I ain't using a credit card. It is, but since you put... It is yours. I'm being confirmed that it is yours. How are you being confirmed? Yeah, that's yours. How? She's over. I have an iPad. Okay. Technology. Is that all a conspiracy? I haven't used to credit card long. Well, you see. And what is it for? Chick-fil-A, Chick-fil-A, McDonald's. Yes. Dude, if you're conspiracy brained and you won't have red dye, you'll put McDonald's in your body? I've told you the same shit. Make that make sense.

1:11:45I've gotten a lot better because I need cheaper food, so. McDonald's isn't cheaper food. It is, though, actually. What? Compared to Chick-fil-A. Compared to all the fast food these days? It's cheap. Dude, Taco Bell's cheaper. That's pretty much it. No, it's not, though. What? You don't know menus. We spent$40 last night for two people. We spent$40 on it. That's what that shit costs, bro. $80. Expensive as hell to eat out. You guys are a nuisance. I know. Well, and I get it from my mom. She doesn't like to cook. Shut the fuck up. Be your own adult. Visa. I don't like to cook. Visa! Whose is this?

1:12:21I don't know if that's mine. I don't know. How much is it?

1:12:27The limit's 300 But the balance is 537 That's probably mine What the fuck are we doing? Why? I don't know if it's mine or not I can't tell you Fuck's sake How do we not even know Whose is whose? Guys Because I wasn't aware Of how many credit cards she had Until yesterday For her past due I didn't fucking know this shit At all How have you guys not had One conversation? Because supposedly She doesn't have any money Has no credit cards And no money Tells me all the time She says that shit So why'd you lie? I don't have any I didn't lie That's against your faith First off, I did not lie. You ain't told me shit about no credit cards that you've had.

1:12:57Secondly, no, I've told you that they're all messed up. Or you'll get them in, you'll hide them from me, not tell me about it. So I don't ask to use it. That's exactly what happens. No. Yes. Your minimum is$2.78.07. That's not your normal minimum, but that's what's due because you're over the limit. I know. It's probably like$30 normally. Well, and they shut it off. What? Well, they should. Thank goodness. None of mine are shut off. So if that thing's canceled, they should. I'm not seeing it as close. You don't even know what card this is. You couldn't even decide whose it is. Well, that's his.

1:13:23How do you know? Well, you just said this. No, he just said it was his. I don't know if I have a visa. I'm pretty sure I don't. I'm almost positive I don't. Okay, it's yours. I'm being told it is yours. Okay, cool. All right. I mean, I heard the 500 mark. Mostly service fee, late payment fee, interest being charged, and your account is currently closed. That one, okay. That's what happens when we just don't touch it. We don't pay attention. Guys, this is a f***ing disaster. Indigo. That's fine. Oh, thank f***. We know. We know.

1:13:56Yeah. Okay. While you owe on a$500 credit limit$965.20, why do military people just suck at credit cards? I don't know, man. Especially when you're getting unlimited money for the rest of your life. Why? Why make it even worse? I will say this. Because he likes to live a bougie life. No, listen. Well, that is a fact, kind of. Sort of, kind of, right? But I will say this. There was a point in time I applied for a bunch of credit cards all around the same time, right? and I was out of a job. So we used a lot of this stuff just to kind of buy what we needed and also what we wanted around that time.

1:14:27I don't think that was around Christmas. I think that was a different time. No, this is the balance as of last month, guys. That's what I'm saying. I haven't used that card. You can't. You're doubled the limit. Or paid anything on it in probably a hot minute. Yeah, it's an$88 minimum. I mean, before I go to collections, you may as well do this. But doesn't it fall off when it goes to collections? I mean, you're blaming DeLindsey having a job making 200 ,000 hours a year is why you have bad money. Like what the fuck? Well, you said what? You were blaming having a job making$200 ,000 on why you're bad with money.

1:15:00I'm being told. Well, okay. In a sense, yes. Because when I did have those cards, that's when I was working at Lifetime. And when I was, so I was using the money or I was using the cards, right? And now when I switched jobs from Lifetime. Why would you do that? Go make more money again. Because, well, I don't really want to go back there, I don't think. Because I think the clientele has kind of died down. But anyway, I moved on a different job. I had a guaranteed salary of like 80 grand. right at the time I was making more than that but I was okay that sounds like a guaranteed money I was I'm doing the same thing anyway except for my manager blah blah blah and then that job literally went out of business bro like a month after I joined them they just they just shut down shop left whatever so I was out of the job again go back to lifetime uh they wouldn't so when you when you leave lifetime no when you leave lifetime you can't go back for 60 days not a job or even attend the gym for like two months so that's why I didn't go back that's like their little policy or whatever, but.

1:15:49Okay, well, you're getting fees, fees, fees, late, late, late. Just be an adult and pay it, dude. Like, I don't know what to tell you. Just being a f***ing adult. Well, that's why we're here. Oh, that's why you're here. You can pay the f***ing card. You guys make good money. Yeah, I just choose not to, low key. Exactly, and in high key, we need to. Yeah. Milestone, what's going on? Whose is this? That's mine. I got a couple that are pretty high. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms.

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1:17:38If 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. Yeah, but these are still all in decent standing. They're not being charged. Yeah, it's double the limit again. Over double the limit. I just got to pay them.

1:18:11They're not. $647.63,$85 minimum fee payment. Again, it's over with fees and bullshit. It's so stupid because these are balances that you could pay off like this with your income, but you just spend all your money on bullshit. Yeah. So it doesn't matter. Capital One. Capital One Platinum. That could be more me or her, but I think that's mine though. Well, it's at maxed out and money is being spent. Do you spend it on a credit card? I don't. $501.66 was spent on this. I don't spend money on any more. So it has to be you. I haven't spent money on a credit card in a long time. Oh my God, come on.

1:18:40You just did on that first card we looked at. Well, unless it's something that's a recurring payment that's trying to come out, then I haven't like - All the Chick-fil-A and McDonald's that I saw being spent on that first credit card was not you? Not recently, no. What? That was last month, April. You be telling me you ain't no damn money or anything. No, I haven't spent anything in April. So you guys can't even agree who's going to Chick-fil-A and McDonald's? Yeah. You never have to tell me. Well, no, because I don't - How are Chick-fil-A and McDonald's? I go to McDonald's. I don't go to McDonald's.

1:19:06Fuck that. I don't go to McDonald's. Oh, it is you then. So you do spend on a credit card, and that was last month. You can't tell me you're not. He's literally seen them. Like, I don't even have them in my wallet. No, I have not. Brother, it was the first f***ing statement. You can see it yourself, you actual creature. I would like to see it, though, because I don't. Here you go.

1:19:26I don't know what to tell you. See, it says returned, because, like, nothing. No, your payment was returned, you f***ing pathetic worm. Not this right here. My payment was returned? Yes, because you didn't have enough money and you're checking to get out when the payment was made. McDonald's on April 2nd. Oh, shit. That was returned? That's not good. That's why you had a f***ing late fee. That's not good because that was to something that I'm going to have to call her. When was that? What do you mean? That was returned? Who's her? What do you mean was it something? See, this is shit that I don't f***ing know about.

1:19:56$298.35 with a$25 minimum fee payment on this card. I gave you the money for f***ing that. And guess what? Hey, we don't spend on our credit card. while you f***ing door dashed a Panda Express. That was me. Okay, so you spent on this. And yes, you have the reoccurring Netflix, but you also door dashed old Dash Pass. And Apple bill$30.79. Who the f*** knows? Well, I don't know what that is. And then Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Apple bill, Apple bill. That is her ass. So you have it linked and you auto do it. Show me your Amazon. That's your ass. Open that phone.

1:20:29So Amazon could... So Amazon... Yeah, yeah, it's you spending. School stuff. I don't give a shit. You were doing it. Shut the fuck up. School stuff in the middle of the fall, the spring semester. Yeah, you have to plan. Are you planning for fall? Homeschool shit. And that is an intense Apple bill of$30, by the way. Because there's probably multiple accounts that she has and she doesn't track anymore, so they charge the name things. So you can, yeah. Which means you restarted accounts over and over and over. Trust me, I'm going to be looking through both of y 'all's phones here in a bit. A-Vent, that's hers.

1:21:01That's fine. So like my daughter needed shoes. I got her shoes. I don't spend on credit cards. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. But look, it's all kid stuff. Give. You're still spending it as money going out. Yeah. That doesn't, just because it's kids. Hey, just because things are kids doesn't mean it's all of a sudden good. Why are we screaming for it? Even for dogs. Even for the kid is an absolute fuck. For the audience. Ow, dog quit. Okay, first of all, this isn't for kids. Detox Z? Yeah. Well, those shouldn't, those are, I usually cancel those. Okay, no, they're arriving. They're not set to cancel yet.

1:21:36I need to cancel that because I didn't know. A dress that, no, it's not what you're wearing now. Okay, and you're not even wearing it. I know because I didn't have the right bra for the show. Sight words, a calendar. When I got paid. Yeah. Self-focused test prep. Okay, that one's actually fair. A notebook, yeah, swimsuit. You got Leosi, sexy tie, crisscross plunge, and then another bathing suit for yourself. So no, this is all not necessities. This inflatable thing is not a necessity. That's an amazing thing. I bought the motherf***. He bought the swimsuits. Like, all the shit is... Like, do you need all this?

1:22:09No. It's a nice yes. See, it's school stuff. Not all of it, though, you pathetic. Yes, I've got four kids. No, it's not all this. Only two of them really do stuff. Childproof leather, that's fine. 21 things in your cart. Oh, well, that's just, like, stuff I don't want to forget about. Future stuff she might want. Yeah, like, enough f***ing shit around you. It has the rings. Uh-huh. And my daughter's birthday is coming up. So like she wants that stuff. We need rings for you. Lots of cows. I wanted to add a stack. A complete Ethiopian Bible. For kids. Oh.

1:22:46I mean, you spend so much money. I know. But he, but, but. But what? Right, right. What are you doing at home? How much is added up from Amazon? You're schooling your kids all day. Yeah. Okay. And then I go to work. Do you have to do any of the house chores? No. That's good. When I'm home, yes, I do. No, he does not. Oh, what does she make you do? Bullshit. What does she make you do? I pick up, let me rephrase, so I'm getting in trouble. I pick up our mess. I do the dishes. You don't touch the motherfucking trash. I take the damn trash out to the fucking curb. Yeah, I don't touch the trash, because that's a man's job.

1:23:17Everywhere else, right? But I touch the dishes, though, right? That's a woman's job, right? Supposedly. Sometimes you do. Sometimes, bro. Whenever you guys decide. When the shit stacks up for a week straight, yeah, then I pick the bitches up. for a week. I help you. Don't play. Sometimes. Don't play. Then why are you on your phone for eight hours a day on average? Because their school staff is on there. Their school actually is on fire. Okay. That's true. Well, good news. It will, in fact, tell me exactly what you're doing. Yeah, go look at Facebook. Social media. Actually, go to TikTok. Look on that shit.

1:23:45Yeah, so last week it was 17 hours on HBO. Oh, well, I do watch TV at night. She watched the same show every fucking day. I go to bed. Yeah, I go to bed and I fall asleep with it on. Facebook, 12 hours. Texting, who are you texting on message? For 10 hours a week? Yeah, and my mom. Okay, we'll go through those in the post-show. Apple Maps for eight hours. Okay, but that's probably the thing. But Instagram for six hours. GPT, three hours. YouTube, five hours. I didn't see any school things. Well, like YouTube. So why is he doing chores if you're working on, if you just are on HBO? Well, he's not home kind of right now.

1:24:27I'm home a week on, a week off right now. And before it was only on the weekend. I'm in my way quite a bit right now. We will be going through things later, deeper in the post show. Man, I tell you what, though. You don't piss me off, though. You don't tell me I'm wasting money and shit? Oh, now there's McDonald's HTO in Amazon. You eat out too much, but here we are with McDonald's and all kinds of bullshit. And fees and interest and bullshit. But I'm an asshole, though. What am I looking at with this credit karma? This is insane. This is ownership. I think it's his. Let me see that real quick.

1:24:59Okay, so you have one main, but it was closed because you probably didn't do anything, right? Yeah, actually, I pulled it out. I never paid him a dime, so. Huh? Pulled it out, and I never paid him a dime, so. Okay. Does that not feel morally wrong for you, especially as a Christian? At the time, it was needed. It was like a must. Okay, but you can still pay for it. I agree with that. Yeah, you're not lying. but I choose to do things. See, I have a bit of an impulse control problem, I would say. Honestly, that's my biggest issue. Develop coping mechanisms then? Well, I mean, if you want to dig in.

1:25:32Now, I'm not saying it's an excuse by any means, right? But for a while, I've got what's called, what do I have? I've had BPD, right? And so for a long time, I didn't realize this. Now I'm taking medication for it. It's helped a lot. That's good. Happy to hear that. Yeah. Nebraska Furnace, I think, and Purpay. for pay$9.67. I bought a trampoline with that one. And then you never paid for it. That's great. And then Furnace. Never did, bro. Never paid for that. $2 ,346. I don't need credit right now. I don't give a two f*** for credit. Yeah, but it is still you received the product and you didn't pay for it.

1:26:05That could be more or less simply wrong. But guess what? I guess how much here's my view on that too, bro. I've been a business owner before. Every company makes so much damn money. You've been what? A business owner before. Sorry, I know. It's not a damn but goofy. What do you want to call me? I mean, whatever, right? But I've owned a business before. I know what profit margins are. Shit, I do it even right now, bro. Most people's profit margins are astronomical. No, it depends on the grocery store's 1%. So it depends what you're doing. I mean, ours are roofing over there. Grocery stores close all the time.

1:26:34What do you mean? Even Walmart's close. No, no, no. I'm saying like the amount of people that come in there, they can take that little bit of a hit because they're producing so much. That has nothing to do with what I'm saying. So, steel. You're okay with it? No. The Christian man? I'm not going to say what I did was right by any means. No, I'm not going to say that. Okay, why don't you pay for it today? Because you don't have money. I ain't got the money today. That's for damn sure. Yes, you do. I don't. You guys bring in$11 ,306 a month. You bring in more than that. How do we bring in more than that?

1:27:06Usually you bring$1 ,000 a month. My sales can differ. Plus, he paid a child support last month, so that should be coming in. Okay. If not, he's going. If not, there's a. $1 ,000 for her, and then hopefully a child support. That money should be coming in. That money should be coming in. It should be, and I don't know if you guys deal with it. But sorry, it was a Nebraska furniture mart, and then you didn't pay for it. Yeah, that was the first part of that. Affirm,$2 ,346, but it needs attention. I can't remember what I used that for, to be honest with you. Yeah, it's been charged off. It's already in collections.

1:27:32No idea. Well, how come it says charged off, but when I go to collections, those aren't in the collections? Oh, maybe this one hasn't been yet. Oh, an additional Affirm, also charged off,$201. Yeah, that was for years ago. I was going to say with credit one. It's like 1 ,478. But a lot of these are pretty old. Never lend to this man ever again. Hey, when you're ready to get back into the, since you spent all your time on the phone and you want to actually provide a society and get a job, I'll get you a course career certification. So you can get back out there. Oh, discover card. This one's actually, nope, this is charged off.

1:28:07She's about to go to school soon anyway. I am. For? To be a paralegal.

1:28:14Who's going to take you seriously? A lot of people take me seriously. Incorrect.

1:28:21First credit,$2 ,100. And just keep going through it. You're just accumulating tens of thousands of dollars. They're not in collections yet. Whose is that? Is that yours? I don't know. All the student loans. Who has all the student loans? That would be me. Okay, well then, yeah, that was your collection. Mine all paid off. Well, see, there was a miscommunication. I thought my grandma was going to be paying for my schooling.

1:29:08After you spend$50 ,000 in qualifying purchases on your new card within the first six months of card membership. Terms apply. Learn more at go.mx. She isn't, so what the fuck do you want? Yeah, so, and then it got put on hold. Deferred. Yeah. Okay, so student. Oh, you also owe your grandma money. I see it's coming up soon, so we'll figure that out. She'll get it when she gets it. Okay. That's not true. Well, kind of. $9 ,854 for student loans. Are you making minimums? No, because they had stopped the payment. They just started up again. Good. How much? I don't know. Brother. Why? Because I didn't, I haven't called yet.

1:29:47I'm going to assume it's like a hundred. Okay. What the fuck is wrong with you? Pay your shit. Yeah. What is wrong with you? People, aren't you supposed to be the morally responsible ones? Well, see, that's the thing is we are sinners by nature. And we're trying, which is why we're here. You're what? We're sinners by nature. Well, do better then. I'm trying. That's why I'm here. You're fucking taking loads left and right. Not paying shit. You're crazy. I mean, if you look at the dates. Getting divorced, you're not. Wait, did he say loans or loads? Loads. Loans. Loads. He said loads. I did say loads.

1:30:21Oh, loads. He said loads of loans or something. No, loads. She's getting breeded by like 50 different men constantly. No, I haven't done that in a long time. Yeah, a couple years. Lots and lots and lots and lots of years. I'm just adding up your collections at this point guys this is insane go back that's paid off okay well minus that 1800 right no which one is that 415 you don't even know what I'm looking at 415 well the other one says close my bad that's the only thing on my account that shows collections right there that's it everything else is either it's close which means you gotta start making shit I don't know what your minimums are motherfuckers have been close for a long time they say nothing to me potentially negative dude your minimum I don't even we have an additional there's more it's like $3 ,269 but like I don't even know what your minimum normally is monthly it's like an additional $2 ,000 so far like this is crazy but you didn't send the statements properly just the credit report let me ask you something real quick on a lot of these collections these aren't never mind these aren't collections a lot of them have the minimums they've stacked up to about$2 ,000 but they're charged off right a lot of them no not all of them they're like closed but there's the minimums are still active because they're not sold to collections yet.

1:31:39What have they been on? Have they been on that? And it's hard for me to get true insight because I'm just seeing it through the credit report. So it's not even showing me. There's an additional $15 ,241. I guess what I'm saying though is like a lot of things you're looking at, are they not going to eventually fall off anyway? No, because they haven't gone to collections yet. So there's an additional seven years once they do. Interesting. Whenever they go to collections. I like that. This Cash App, we have some money coming in. That's really not that accurate. I prefer Chime, but you do you. It's not accurate.

1:32:12Watch if you're using Chime. I'm using Cash App for forever. Subway, Einstein's, Cash App, Donut Express, Chipotle, Apple Bill, Apple Bill, Chipotle, Chick-fil-A, Vending Machine, Bagel, Service Works, Chipotle. It's all bullshit. Dan's Bagels, going in and getting some bullshit. Yeah. A couple samples. That's good. instead of going in and getting some bullshit, make your energy drinks at home. It's very goony stuff, but it actually tastes better than the energy drinks you do. I promise you that. And it's 40 cents a serving with the 10 % discount code we got, Caleb, at gamersubs.gg. Link in the description below.

1:32:47Get your free samples, figure out what flavor you like, and then make your energy drinks for 40 cents. It's a proprietary blend, so you never know. It doesn't have like the tingles? Does it give you the tingles? It's a proprietary blend, so. You need the tingles? What do you mean tingles? She's talking about a pre-workout, is what she's talking about. That's just an energy drink. Yep. Yeah, so you stopped thinking about energy drink. Does it have dye? Overdraft, protection, overdraft, overdraft, payment, payment, payment, overdraft. Energy drink, overdraft, overdraft. Overdraft, payback. Yeah, no, you guys are.

1:33:16Pizza Hut, Tom Thumb, Vending Machine, Roku. Energy drink. Dude, you just got to do gamer subs. Tastes better and it's so much cheaper. It's like making your coffee at home. That's you getting damn energy drinks, though. No, it's you. Ain't no way. I don't drink energy drinks, bro. They are so done. I don't know how you guys have survived. Overdraft, overdraft, overdraft. this is crazy Kohl's Roy Hut Apple Bell Apple oh man hmm is it a good flavor I don't know what flavor it is no it smells good it just kind of hit me real hard every minute I was like no I want to try it it says on the package do not sniff I'll sniff it because it like you're probably gonna have another heart attack Vapor Company D-Bats I hope you don't but I'm gonna try to I'm gonna send you guys to Reed who helps us do finances here because, listen, he's going to just need access to your accounts because with the way you did it, I can't.

1:34:07I'm going to do a budget for you, obviously, but I couldn't perfectly calculate shit because it was all in the credit report. I need your statements. And your shit is such a mess. It's impossible to see. Well, that's the only statements I have is the cash app right now. Well, no, they're statements for the accounts that are closed. I don't know what the minimum payments are. I calculated them to. I don't know how to get into this. A lot of mine are$40. Almost all of them, about$40. About$40. And a lot of them are just behind. That's why it's showing even higher. So, okay, let's see. Let's pretend.

1:34:37Let's say the minimum is$40. Don't pretend because like. I have to though. He doesn't have the. But use your. I'm upping them. I could tell you what they are if that's allowed. Well, yeah, it's allowed.

1:34:52What do you mean? You have them? What? Why haven't you cleaned your fish tank? Shut the f*** up. But it needs to be cleaned and they're going to die. Let's see. She's been alive. I'll say that. That's not what I heard. That's not what you heard? She's been here forever. Are people secretly replacing her that I don't know about? Probably to make you feel better so you don't cry. I wouldn't cry. I bet you would. It's a fish. Why can't you have mint? Why don't you like mint? Why do I not like mint? Because I don't like the flavor. Why don't you like the flavor of something you don't like? Well...

1:35:23Exactly. Shut the fuck up. Damn. Your mortgage is$3 ,790.08. I have your minimums for some things. I have 626 so far, but I don't know. Right now, currently, for— Is this accounting for all closed accounts that you don't even know about? Well, I don't know about that. I have no access to it. Exactly. That's the point. That's what I'm missing. So then how do we fix that? So I have to guess. That's why you're going to sit down with him, and he's going to go through your own fucking accounts. Sit down with who? Read. You'll know, bro. You'll know, sure. He's our extra guy. I'm going to pay for a session.

1:35:53I'm guessing an extra 480 plus 626. This is on just the conservative side, but I'm guessing your extra minimum fee payments are$1 ,100. It might be lower. I don't know. Okay, what's your utilities? Gas, electric, internet, all combined. That's a hymn. This is probably more or less average right now. But if you look at electric, it's around$160. Gas is usually around$79,$80. If you look at water, it's like$175. gas electric water internet is around 45 okay so 460 gas broom from drive drive both of you combined on a monthly basis let's say average I'd say on average let's say about that's like 550 give or take phone bill phone bill mine's 175 mine is 60 sounds like you got something good like helium that most people should use I'm just on my mom's plan oh great car insurance That's around 350 for both of us.

1:37:00Necessary food. I'm guessing you can do about 1 ,000. Nah. Yeah, there you go. Use the meal plan and your meal prepping. Five kids. Yeah, your meal prepping. All these dumbass snacks and shit. Yeah, snacks. Your meal prepping, that's the thing. You're eating a lot of the same meals over and over again. No, I know. I like that. That's fine. Okay, your household has one more kid than mine, yes. But you know what my family did on a tight budget? Just white people tacos and spaghetti on repeat. It works. Well, we do that. Well, there you go. You're fine. In Chili, it's perfect. $1 ,000 is fine. But I need snacks.

1:37:29She thinks the kids need snacks every two hours. You can get a few things, but you don't need to get all this name branch shit. You can do$1 ,000. It's fine. Keep you finding anything else that needs to survive for you and the kids. I'm giving$500 because the at-home school makes it hard. We usually do$250 for groceries every week is what I give her. Oh, there you go. But you also eat out like crazy. Medical health care, are there co-pays? Yeah. How much? A monthly basis. I would say... Do you trust the doctors? We don't go that often. Well, I go to a doctor that is... more naturalistic, but, um, naturalistic's not a word, but.

1:38:01How much? It's like, I would say like 30. Didn't you have like a failed home birth or something? It was not failed. If it was not failed. Do you have any pets? I, we have three cats and two dogs. Yeah, f*** them. But it wasn't failed first off. F*** which ones? F*** them cats, dog. Okay. We gotta get rid of them bastards in a heartbeat. Wait, what's wrong with them? I hate them. He doesn't like cats, but they're sweet. Okay, well, good news. $250 for pet insurance because you have so many animals. Yeah, we ain't paying that shit. We don't have pet insurance. If they die, they die. Oh, why? Because if something happens, you can't afford to take care of them.

1:38:36They can go... Well, they're inside animals. Exactly. And if something... I'm not even explaining it. $250 for pet insurance. If something happens, bro, guess what? They gone. I know. So why do we need the insurance? That's how I see it. So you don't care if they die, the cats. No, I do. I'd be really sad. There you go. So are you going to save their life if something are to happen? because that's what pet insurance covers. We can't afford it? No, we ain't. Pet insurance would make so you can. Oh, my sister had that. But if they die, you still have to pay for it because it's like a thing. Yes.

1:39:05Oh my gosh, I hate you. But he's saying if you attend to the doctor. How much for pet food a month? Like 50 bucks. And cat litter. Throw that in there. Yeah, how much? 70 now total? No. So for the cat and dog expenses, I would say maybe$100 every six to eight weeks. Okay, so 50 bucks. Okay, whatever. It's not. No, because the litter is not that expensive. And the food... Subscriptions, I'll try to give you$100. I don't know. Okay. Let's see. Guys, this is such a mess. Like, I don't even know what this... This is like, it's the worst budget I've made. No, you just say that to everybody. No, it's the worst in terms of...

1:39:43It's just so... It's just scattered. I don't know how true it is or not. But it is true. Is this real accurate, though? We have bad debt,$87 ,000? Yes. plus student loans and plus a lot of shit like that. Shame. But it's fixable. You probably have local room. It's fixable. Yeah, sure. I just don't know if this is accurate, but$8 ,500 to survive is what you need to make your payments and everything on time. It might be$9 ,000, it might be$9 ,500, but either way, if you're bringing in that$13 ,000 a month that you said you are, then it's like, yeah, I need that. then with all your first federal credit so$597 your total debt situation is$597 ,266 $0.27 minus$498 ,014.93 for the mortgage and minus the student loans of$9 ,854 so debt to pay off in 90 ,000 hours basically with your additional I'll give you funds spending a$500 But again, that's if the payments aren't higher.

1:40:52If they are, get rid of it. So that gives you an extra$4 ,000 a month to port towards debt, maybe, which pays it off in under two years. So you can have fun and probably pay off all your debt in under two years. A month. Well, you didn't say a month. It's all a monthly budget. Well. Well, you pay off in under two years and then six months to get a fully funded emergency fund. That's if the debt situation, you're going to sit down with Reed and he's going to go further than her debt. Listen, guys, this is too impossible. It's too impossible. I didn't have your statements. No, it's impossible for me to give an accurate number.

1:41:29I can get access to all the stuff that's on charts. Exactly, that's what he will help with because he has more time. Guys, let's get the hammer financial score and then go into the post show. There's more things. There's more things. She's hiding shit from him that we haven't even gone through. We're going to go into the post show. There just wasn't time. time. They're planning a big vacation. I'm going to go through their phone, figure out where all the Apple shit came from, see what they're hiding from each other, see how she communicates in their texts. It's always chaos. The post show's incredible.

1:41:56Let's get the hammer financial score, though. Spending in a budget, you technically didn't overspend, actually. Surprising. But you certainly put money towards bullshit instead of paying off debt, so it's not good. I'll give you a two out of ten best I can do. We're lower than the... Two out of ten in your spending in the budget category. I'm going through every category. Your debt, there's collections. So zero out of 10 for that. Emergency fund, there is no savings. Zero out of 10. Retirement? Is there a retirement anywhere? Well, technically. Well, my money's guaranteed for life. Yeah. I mean, and I have, I mean.

1:42:23I think we deserve a point. Yeah, I do have a point. I mean, technically, dude, like, I mean, I know this is kind of iffy. Like, if Social Security stays in pack for that long, great. If it doesn't, we might lose it. But the VA money's for life. Well, Social Security 2032, it gets cut by mandatory 25%. Maybe. No, it does, unless we readjust something. Like I said, maybe. It's a maybe. They said that shit years ago, too. Well, yeah, and then they lifted the retirement age. Oh, okay, serious. But mine's disability insurance, though. They have to do something. Yeah, it infects everything, including some Medicare funds, Medicaid funds, too.

1:42:55Well, I don't give a shit about Medicaid, but. No, but, okay, two out of 10. I'll give that. Real estate, you own a house. The four-year mortgage is fucking crazy. The interest rate isn't great. What's the house worth? Do we know? I think we owe$4.98. It's worth like$4.85 right now. No, it's not. Yes, it is. it's not worth what we freaking hey house at least you're in the market but I'll give you a 3 out of 10 I think we owe 4 you owe 500 ,000 no we don't it's 498 buddy your most recent statement and that's all that matters to me so I don't give a okay okay it's your most recent statement hammer financial score 1.5 out of 10 guys there's so much are you kidding me go f*** yourself there's so much more there's so much more to happen in the post show.

1:43:41Join Hammerly for three premium shows every day, six days a week. Get your Hammer financials for CalebHammer.com. I'm going to kill myself. This is crazy. Okay. See you there. You told Jen that you feel like you have to secretly hide and save money from Luke. I've got to save money but you spend the mother and then bitch me for spending money. It makes no sense. He won't pay my bills. Like, they're late. But I've never been able to. He paid for your attorney and he still thinks that your kids are in public school. Well, they don't, He doesn't think they're in public school. He thinks they're in a private.

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