The Most Insane Debt I've Ever Seen | Financial Audit

25:22Well, no, I have less than 2 ,000 because I just started. We are dramatically behind, which also gets put on your kid when you come and you're not able to take care of your life, especially in our health situation. It's like you will be out of the workforce earlier out of necessity. Yes. And your kid will have to put their life on hold to support you based on the choices you made. Choices you made. The kid did not choose to come in this world where they will feel morally obligated to take care of you. They did not consent to it. Yeah. I'll argue with you on a lot of stuff, but not that. Yeah, that's accurate.

25:55All right. I'm going to – we got to get into these finances because this is a – oh, this is an insane amount of paperwork. Yeah. But I'm going to go 3, 2, 1, go. I want you guys to give me what you think your entire household financial score is. Zero to 10, zero being the worst, 10 being the best. What do you think it is? 3, 2, 1, 4. Why do you think it's possibly middle down the road? Why does she think it's middle down the road? To be fair, she doesn't know what your financial scores are based off of, and I do. But like 10 being the absolute best, zero being the absolute worst. You think you're middle of the road.

26:35I think. I mean, did you hear the numbers I just went over? I mean. What do you have going for you? Like, we pay our bills every month. So, I mean. Do you? There will be no late payments as they go through this. And I don't know. I don't know. I have not been through these. I'm pretty sure there will be. Okay. So, is that we pay our bills? Sure. It's not on time. I think they're on time. I think we pay them on time. He just. Rinse takes your laundry and hand delivers it to your door. Expertly cleaned and folded. So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you.

27:08Like tea time you. Mmm. Or this tea time you. Or even this tea time you. So did you hear about Dave? Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. He's literally just saying he thinks there's going to be late payments in there. what the f*** you talking about? I know the ones I paid were on time. What is she responsible for paying? Car insurance, which doesn't have a late fee. Or a due date. It's like mile-wise. It's pay as you go. It's a whole thing. Yeah, I just put my energy in. And then groceries and...

27:49You don't have groceries on time. You can't be late on groceries. Yeah, the electric. Are you doing a bill in our phone bill? Yeah, she has two that could have a late fee. And I'm pretty sure the phone bill was late last month. Yeah. Yeah, I forgot that I paid that one. What the f***? That's why I was making the faces. I was like, no, even yours are going to have some lates. Why? Because I wanted to cash float money, so I paid like half of it and then waited until the next paycheck to pay half of it. Why do you think you do not owe it on the date that it's owed? Well, we needed the extra money for it.

28:21I can't remember what it was now, but to have to get us through to that next pay period. Remember how you spent$900 going out to eat? What the f*** are you talking about? What the f*** are you talking about? Miscellaneous bullsh**,$750. Unknown shopping,$1 ,500. What the f**k are you talking about? I needed money. What was your electricity bill? Like almost, was it$420? It was$415. I was like, yeah. So less than half of what you went out to eat. I don't want to f**k here. There's no sympathy. Well, I couldn't pay my utilities. F**k off. That's the story we hear out there. Oh, utilities, they're so expensive.

28:50And they are. I couldn't afford them. I'm poor. F**k you. Look at your spending. I want to look through everyone's spending whoever says they couldn't afford to make their payments. You spent more than double. And you say you can't pay that on time? You need to take care of other bills? What are you talking about? Oh, f***ing one of the roommates is moving out in the near future. You're going to be destroyed rent-wise. Yeah. Oh, how are you making up that difference? Uh, hopefully paying off a lot of our monthlies. Huh? Our monthly minimum. How? That doesn't make sense. I'm going to pay off my debt better when I'm bringing in less money from our roommates.

29:27What? By trying to pay it off now before he leaves. Oh, you guys spend more than you make. What are you doing to pay it off now? I don't even know if this budget will work. We'll find out. Yeah, that's the goal. That's been my goal, and I'm lost. I don't know how to get there. If you want your Hammer financial score, take the assessment. It is free at calebhammer.com. And if you don't want to be like a guest who ends up on the show, make sure you download the DollarWise budgeting app. Sign up for the free trial, and if you like it, take the annual version to save a lot of money and also get our butt.

29:58It comes with our budget-friendly cookbook signed by me, mailed directly to you when you sign up for annual. And if you want to bundle it with all of our educational products together for 80 % off, all you have to do is sign up for DollarWise Central. Go to DollarWise.com and learn more, ladies and gentlemen. Alrighty, let's get into this because this is going to be a long, long, long stack of paperwork to go through, huh? Yeah. Oh, iBuyPower is a little gamer gooner. I'm assuming you. Yeah, the iBuyPower is my son's for last Christmas. How old? 13. Why the f*** does he need a f***ing top-end gaming PC?

30:38Okay, iBuyPower, it is not top-end. What is it? How much is it? It's an i5... 10, 600, non-K, I think, and then... How much was it? Like, 620, 630. No, that's not possible. No, that's literally not possible. Paid to date has already been 1 ,155. What the f*** are you talking about? Oh, I had to change the price. So it was going to be, and then they didn't have the graphics card I wanted for it. So I think he got like a 2070 or something. Yeah. Because I wanted to give him a 2060, but they didn't have him. Why the f*** are you even getting this, dude? This makes no sense. And now you're paying minimum monthly payments on this forever.

31:23What's the interest rate on this? I bet it has interest rate. Oh, there's a new wig after this. My goodness. He's full game goon. That one's my fault. Yeah, that's her. You game goon too? No, she does not. That was for the Steam Deck that I wanted. That has now been sold. Yeah. Great. Well, we have a debt for it. So I don't give a fuck. That's even worse that you don't have the asset. Yep. Okay. Well, you still owe$322.17 on this iBuyPower. Yep. The minimum payment looks like$65.43. And that was on a bet, a dare. I don't know what you call it. Huh? I bet my son he couldn't get straight A's, and let's just say it's.

32:01I appreciate that, but why does it have to be something that costs$1 ,500 on interest? Bad judgment in the moment. Like, I'm down with that. That makes sense, too. Look, man, he had an effing band. How am I supposed to know? I don't know. Same. But now he's doing well. Why are we promising a$1 ,500? Because he had an effing band. Dude, if he's an effing band, he's like throwing spitballs on the ceiling. Exactly. So I thought he wasn't going to do it. He's a degenerate. Fortnite is strong, apparently, because all of a sudden he's a master. He can Fortnite on a$300 Xbox S. He likes to be the cool dad and say like, oh, well, I'm a gamer, so you want to be a gamer.

32:38I think a lot of it is shame because I spent a lot of years where I couldn't buy them anything. You still can't. You guys are just driving in debt. I know, but that's my only crap. be attempted justifying it, okay? We could. I like the encouragement to get good grades, but there's so many other things we could do at a such lower price point. Dude, a trip to Six Flags would have been cheaper. In Oklahoma? Hey, you come down to Texas, it would have been cheaper. I've never been to Texas. I don't know you guys have Six Flags. Six Flags over Texas? Yeah, we've had Six Flags. I grew up in California.

33:14You had Disneyland. Six Flags are everywhere. It doesn't matter. You could have done a lot of things. You could have done a lot of things. I'm aware. I've beat myself about that, and you're free to do it, too. Just know in the future, it's not getting promised that. And auto pay is off. Yes. Auto pay is off on everything right now. Oh, my death. Great. That's wonderful. Okay. So what's the interest on this? Oh, man. Probably 35%. It's through a firm, so probably. 35%, probably. 35.99. Yeah, something like that. Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history.

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34:36Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. DollarWise.com. Let's f***ing go! F***ing death. Yeah. When did we get this? Middle of last year. Summer, I believe. Last year? Yeah. This has been over a year that you're paying for his iBuyPower? Yes. And it's iF***ingBuyPower! Okay, we'll come back to that because there's another computer you're going to hate even more on there. From iBuyPower? No, no, from worse. iBuyPower is a saint compared to the next one. Just wait till you get there because I'm happy to put that other company on Blast.

35:16I will say that computer showed up well. I usually build them myself. We go through electronics and computers like people go through underwear in this house. Yeah, that's by far our biggest problem in every form of life is electronics. Isn't this like HP's version of their pro gaming bullshit? No, iBuyPower is an OEM. It's standalone. Okay, good. I'm thinking of something else. It's all parts you can upgrade later and everything. It's all off-the-shelf parts. Okay, fine. Okay, then I'm not freaking out. Yeah, I usually build them myself. Everything's overly expensive on their website, I'll say.

35:46And I also have iBuyPower in my debt, too. Oh, this is just a full goon household. Okay, this is Newegg. This is for an 8K DisplayPort, 1.4 cable, 6.4 feet Steam Deck. Oh, that's right. No, there was a cable and the Steam Deck. We did not pay whatever that was. So you don't even owe this anymore, and it was$1 ,000. Yeah, because he wanted me to get the cheaper one. Well, I wanted her to get the cheap$400 Steam Deck. No, it had to be the OLED. It had to be the one terabyte. And by the time I decided to say screw it and sold it, she had two hours on it total. And that was months. Why? I don't know.

36:29I couldn't use what I wanted to use on it. I thought I could, so I just used my Switch more. You guys just blow all the money in the fucking world on anything you guys want in the moment. Yes. But you communicate about it, you're saying? No, no. The big purchases you said you communicate. This is all pre-communication. That's become now. In his defense, I told him I would pay the monthly payment for the steam deck. Why is it? I, we, when it comes to marriage. This was pre-joint finances. Nothing was done together at that point. Yeah, but I'm curious, why was it? I mean, it is we. She tried to justify it because I said I didn't want another monthly payment.

37:05And she tried to justify it and she said, well, I'll make it. She didn't make any of them. Did you make money from getting rid of it? Yes, yes. I have the money to pay it off. Just be done with it. The whole debt. So what was that? How much did you get for it? I got$680 for it. And then I also, I've been selling a lot of electronics. Yeah, we're trying to declutter our house. Yeah, it's time to sell everything. That's what I'm doing. That's why I said some of that. that. That's why I said some of the incoming might have been from eBay. Because I am selling everything actively. Yeah, that is, it's not even a choice.

37:37I'll sell this, but this is a ridiculous thousand hour purchase and you lost 500. Yeah. 400. Yep. I think the Xbox was more egregious than that even. Yeah. Yeah, so we get every little gaming device that is possibly on the market, it sounds like. Yeah. There's not one we don't get great. Yeah, I call it I'll be hopping because she hops to a different school or platform. Copy hopping is so expensive. Yeah. Yeah. Okay, what is this? A Serenity Sleep Bundle for what? Oh, yes. No. Is it not? Nope. I don't think so. What's the total on that? You spent$997, but you've already... Oh, that might be the best.

38:16Oh,$1 ,200. Yeah, Serenity. It's our bed. Yeah, I thought that was the couch. I thought we were going to start sleeping. What the fuck are we getting? I mean, listen, mattresses are expensive. Okay, so the bed was mandatory because... Because we were sleeping on a mattress on the floor, and the mattress, like the springs was popping through. Yeah, I had that mattress forever. Did you have to get a$1 ,000 mattress? It has to be California King. I'm 7 '1". It's not. And I already have knee problems. My leg's hanging off the big mess. You're 7 '1"? Yes. That's crazy. I've never met someone over 7 feet.

38:43Yeah, it's a whole struggle. Having a big, a large bed was kind of like a problem. We got it. There's no frame or anything. That's just a mattress and a box spring because I tried to keep it cheap, but California Kings are so expensive. Yeah, for no reason. Are you sure you're 7.1? 7.1, 7.2, it depends on the day and my posture and my back problems. It's a$72.52 minimum monthly payment. Yes, that is the bed then. Endlessly forever, probably at a 35.99 % interest rate of death. Yes. It's like double. This is just like Fat Stack Week again, where we just have literally every debt you could possibly accumulate in a stack as large as...

39:24Yeah. I don't know. This is just crazy, man. And of course, auto pay is off. Who would have thought? Yeah. I've got a mental block with auto pay. I told you. It's terrifying to me. Yeah, but then you accumulate fees and your debts is taking forever to pay off. It's going to take even longer. I would like to get to the point where I'm comfortable that we'll have money in the account to just turn on auto pay. $997 matches, but you're paying a total of$1 ,300. Yeah. I'm not perfectly versed in all of our totals and percentages and everything, but I do look at them regularly and obsess over them. Then why are we still spending?

40:00That doesn't make it. If you're obsessing, that is not lining up. Pettiness? I don't know. Pettiness? Yeah. Petty overall. What the f*** is petty? What are you talking about, petty? It's the competition. What? She buys dumb stuff, and then I'm like, well, I want dumb stuff. So we're children. All of my dumb stuff has happened in the last six months, I'm pretty sure. Unironically. Because I don't buy myself things ever, like big stuff. That's all happened because we, in January, we gave up. So what the f*** changed in six months then? Well, so we gave up on having a kid, funnily enough. Yeah, we tried forever.

40:36We tried for three years. Didn't have one. January, we said f*** it and made some dumb decisions. And all of a sudden, that's when it hit you. But you still had two. So you gave up. But how long did you give up? When did you find out you were pregnant? You're having a baby next month. In February. So we had one month of reckless? us know you were having reckless well beyond one month there's no way my big things were about one month yeah no you haven't gotten to mine yet it's juicy just keep going through the bundle of joy oh i am i have no other choice walmart okay what the did we get at walmart for 1200 i think that was was that christmas yeah that was and it was just fucking christmas presents yeah he bought he bought a playstation for his nephew i will defend that playstation to the death i'm ready to fight you.

41:19Why? Yeah, let me defend a 35 % interest rate and I can't afford life. Yes, I'm aware the way I got it was done. We have no retirement. I'm aware the way I got it was done. No, that is done. With your lack of retirement, lack of emergency fund, and overall debt situation it's done regardless if you spent it on debt. I'm aware of that part, but my nephew was born with a heart condition where every couple years he has to go get a valve replaced, open heart surgery, and he's laid up forever. And his parents are very anti-new technology. His newest thing is an Xbox 360. so I got him a PlayStation 5 it's not supported on anything he can't update any games most of his discs don't work and we don't have a game store where we're at why does that have to be your response I know it shouldn't be I've had that conversation I appreciate the heart of it man I appreciate the sympathy I know it was a dumb financial move but I'm gonna die on that hill it was more than that you spent double than just the PlayStation yeah it was the PlayStation and then go on Nintendo Switch for my daughter that she broke two months later oh my f*** you guys just get everything there's nothing you don't get there's nothing you don't get and I see a smart watch on you this was cash flow, no financing does it matter, it would have gone towards debt well no, it was it traded in my old Apple Watch when I swapped off of Apple this was free, this was 100 % free Which mine was also a, I need to have it because it's the newest one, but I'm not wearing it.

42:48I would have rather you sold the Apple Watch and put it towards debt, dude. Yeah, I was using this for the gym because I dropped like 104 pounds in like eight months. I'm trying and I needed something to track my heart rate and everything. Yeah, but you could get a Fitbit. But this was free. I couldn't trade in the Fitbit. No, but you could have sold your Apple Watch. I could have. Got a Fitbit for the cheaper. Use the Apple Watch money and give it to more. Back when I got rid of the Apple Watch, I was not versed in selling on eBay and all that. And in our town, nobody knows what the hell a computer is.

43:17Electronics do not move. Why are we living in that town? I moved with family when they came here for the installation. I would like to move and go anywhere else, but clearly we can't. Why? Can't afford to. Because we screwed up for the last five years. You guys have work experience. Like 10, 15 years, that's the goal. To get out of there. 10 to 15 years? Yeah, I'm shooting far, but that is the goal eventually. Can you deal with it for 10 to 15 years? living in this place? Yeah. You can. I'm asking you. I mean, I don't like our house, but... We have a mortgage on something we don't even like. She doesn't like.

43:53Why don't we like it? But my standards are skewed. Four walls and a roof. Why would we go into debt for that, though? It was like a rushed kind of situation. We rushed into a house? Why? Like, we got married, and like two days later, we signed the paper for our house. Oh, why? No one's asking, answering. Why? So we looked for about a month and we had no clue what we were going for. We just wanted to look originally. I didn't even know I could get approved for a house. And I just went to a company and they were like, here's these houses. They'll approve anyone for everything. Yeah. But I mean, we did get a deal on the house because the person that owned it.

44:28Deal? You hate it. The person that owned it. Money-wise, she doesn't hate it. Yeah. Aesthetic-wise, she hates it. The person that owned it, she was leaving and her contract was up. So she needed to sell the house. So it was very like they knocked off like$10 ,000. Why do you hate it? Because there's just like a lot of cosmetic stuff that just. That they hid very well in staging. But like we can't afford to fix it. How many baths square footage? Four bed, two bath, 1 ,300 square feet, I think. 1 ,300. Yeah, it's small, but it's a lot of rooms. Yeah. And the garage is half renovated into a livable space.

44:59And we have our Americans. We sell ability. You usually want minimum 1 ,500 if it's a single family house. If the garage gets finished being converted because they already have it insulated. No, you're converting a garage? No, no, no. We bought it. It was already half converted. They had already started converting it. It's half converted. So once we make some progress. That's a part of the square footage? No, no. That's going. Not right now. It's not. You're converting the garage, though. Yes. We're going to eventually. But Americans are obsessive over garages. You're making this house. We can't fit a car in that garage.

45:24It's so small. You're making this house even harder to sell in the future. But it is. It's the only two-story house, and it's a corner lot on that street. In that town, a lot of places have car homes. And a town no one wants to live in. No, it's a military town. They have to live there. It's not optional for most people. Will they buy, though, for their three-year stint? Yeah, a lot of people do. I have no idea. Yeah, my parents just sold a house there, and it took them three weeks, I think. Maybe they dramatically undersold. Maybe their house is better. I don't know. No, it was a nice house, but they didn't undersell.

45:52They made a lot off of it. No, no actual nice house. How long did they own it? Six years? I was like, I have no idea. Something like that. Okay, what is this? General merchandise we owe right now. By the way, the Walmart, they still owe$778.35. Minimum monthly payment,$48.75. Okay, what is General Merchandise? It's$1 ,341.89. We're still in a firm, by the way. This is fucking crazy. Oh, yeah. There's a lot of a firm. General Merchandise is probably Walmart again, if I'm being honest. What the fuck did we do? It's February 13th. Oh, the month we found out we were pregnant and we were done with our doomed, dumb ass spending, by the way.

46:27Okay, that's the conception date, not when we found out. We found out in March. So we f***ed and celebrated my spunk spending$1 ,400 on 35 % interest? I have no idea what that is. We don't even know what we spent. You're at a 35.99 % interest rate of death on this. In the moment, I knew what it was, but now I don't even know. Dude, this is f***ing crazy. And a firm doesn't even tell you. You had a$67.09 monthly, and you don't even know what the f*** it's for within this past year? I know what I've spent money on this year. I believe you. You're smarter than me. It's not even about that. I'm f***ing.

46:59In the moment, I probably thought it was important but I couldn't tell you now what even the hell it was. I have absolutely, I don't know. Hi, Alyssa in here, Financial Audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Webull. Do the same and transfer to my investing app of choice and you get cash bonuses of$200 all the way up to$30 ,000 depending on initial funding amounts and up to 8.1 % APY on your money and up to 3.5 matches for your IRA.

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48:23Take the assessment at calebhammer.com. You will not regret any of these change your life today. Like I couldn't take what it is for sure. Good, man. Yeah. $67, nine cent payment on a monthly basis. Spent$1 ,341. But of course, I'm halfway through paying this off yet. We owe a total of$1 ,563. This one's probably close to like 20%. But even still, it's horrible in every way whatsoever. Yeah. You were banned from a firm? Yeah. Good. Why? Because I had probably like, I don't know,$1 ,800 or$2 ,000 in and I didn't pay it so into collections. Well, I couldn't afford to pay it. What the f*** is wrong with you guys?

49:11You just, what is happening? You don't have time for that list, Caleb. Your spending's insanity. Yeah. You're spending. This is some of the most ridiculous spending I have seen on this show. spending alone. Spending, not even talking about the debt, not even talking about debt to income, not even talking about any of that shit. Spending alone, some of the most insane behavioral issues I've ever seen from people that are almost 30 and well within their 30s. That's true. I mean... This is a fucking joke, and of course, auto pay is off, as they all are. I really wish I knew what that was, but... To justify it.

49:48Oh, and this affirmed spending isn't under their own account. Yeah. What the f*** does that mean? He's using our roommate's credit. For f***ing why? It was his idea, unironically. What? Yeah. What was the conversation around this? So I can't go into too much detail about it because it's his personal stuff, but... Basically, he couldn't use a firm, so... Yeah, I couldn't use a firm. And I couldn't use a firm. Why? I destroyed my credit a long time ago. I was good with credit for most of my life. But you can rebound it quickly. Well, so, okay. Let's dive into this. All right. So I was good with credit for most of my life.

50:30And then mental issues happen. And I had a bad situation when I was living in Washington State. And I had to bail on a lease for an apartment. And I only just a couple months ago got that pulled off my credit by disputing it. So that's why I moved back towards family. Because I was having mental issues there. and that's what led to a lot of the spiral. But anyway, we couldn't use Affirm for me because I'd already been, like I already had that in collection so I couldn't use Affirm. He couldn't get approved for Affirm so he had all roommates check to see if they could get approved. Yeah, because they told me you guys are going to do it.

51:04You guys are the opposite of like being able to have debt. You can't even have debt. Honestly, and I recommend usually that most guests get FIZ, the debit card that builds credit. I don't even want you guys to get that. I don't trust you to do anything. I don't trust you to do anything. I'll get you that. I'll get you course career certifications. all that to build income i'll get you guys on helium if t-mobile's in your area we'll help you save all the money but i wouldn't even use the fizz card for you specifically because you're just so you're just beyond man you're just beyond this is just crazy let's continue down the stack okay cyber power pc oh that's the one yeah that company so that was my it we're not having a kid purchase and uh they sent it so let's get a goon machine i'm gonna his computer was old and i had told him i'm like you what's old like his old it was like a 1050 not ti it couldn't run anything and i told him not even youtube well i had said you know you know you never buy anything for yourself you're always buying stuff for me i was like why don't you go ahead and just splurge and buy yourself three thousand three hundred fifty four dollars is a nice computer yeah they sure should have been what oh that company needs to burn to the ground so they sent me with a bricked graphics card right and then i rmaid the graphics card they sent back a bricked graphics card.

52:14I RMA'd the graphics card again. They sent me a bricked graphics card. And then I was out of my RMA window with them. Okay. And I tried to run the serial number through Gigabyte. No flame to them. They're fine. But it didn't even come up as if it had an RMA through them or anything. So CyberPower screwed me on that. So I sold it four parts, and now I have 80. Did you not file the dispute with your credit card? Well, with Affirm? I can't because the rest of the computer is fine, so they're saying the purchase is fine. Yeah. Affirm saying that? Yes. Yeah, no, it's wild. I would have battled that.

52:54So now I have 3 ,300, I think it's like 3 ,900 after the interest of the computer with the fastest possible processor you can have on a computer and a 2060 graphics card. The 30 series are pretty cheap these days, but obviously you can't afford it. I'm not saying that. No, no, no. I just put in what we had in the house. I'm not dealing with that. Oh, good, good. Well, that's actually a proper decision. But yeah, getting this alone was absolutely ridiculous. $3 ,354.80 is what was spent, but you're going to spend a total of$3 ,914 on this, and it didn't even work. It's broken. Minimum monthly payments alone, you're doing a car payment on this PC tower.

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54:17Buy a coat now through November 29th and get$5 off your merchandise purchase of$25 or more from December 6th through December 24th. Plus, Burlington is donating 50 ,000 new coats to help those in need nationwide through our partnership with Delivering Good. We've been keeping you warm for over 50 years. We'll see you at our Coat Event. Burlington. Deals. Brands. Wow. Visit Visit Burlington.com slash coats for details. How often do you guys actually even game? Oh, every day. Constantly. Okay, what are you playing? A lot of free to play. Yeah. My main crack is League of Legends. Okay, so are you buying in game?

54:57No, no. So I used to. I was addicted to it when I was like 19. 19? Yeah, I had a lot of money when I was 19 and really no bills. So I spent a small house worth on skins. On skins? How much? Like$92 ,000. $92 ,000 on in-game skins? Yeah, that's the best part is I don't have any of them anymore. When you were 19? Yeah. Did you sell them? No, I got banned. He lost the account. So now I am not toxic on video games anymore. How are you banned? Don't be toxic, kids. No, be toxic. Can video games stop banning people? We need to bring back toxicity in gaming. So that's the thing, right? Like if I had said something racist or hate speech or any of that, I would have been fine with the ban.

55:35But it was really just me being an ass, which is, I think that you shouldn't be sensitive enough like that on a video game. No, you shouldn't. I saw a woman on Twitter complaining after she grenaded herself in CSGO that people were trash talking her and then she got them all banned. Yeah, yeah, that's ridiculous. Hey, if you play video games, stop being a f***er. Start throwing out the f***er in the Xbox Live group chat. So I found out that slur is an immediate ban with no anything on League of Legends now. Well, I mean, I wouldn't say it. I found it out on a free account, by the way. It's a thing to say, but let's stop being f***ing.

56:11When did gaming become so pussified? Yeah. I'm so confused. Listen, at 19, so 40 years later, by the time you would have retired, that$95 ,000 that you spent would have been worth$2.3 million if invested in the overall stock market. You spent$2.3 million on gaming skins. That I don't have anymore is my favorite part about that. Because you were banned for saying the N-word. I did not say the N-word. No, thank you. I have spent money on Valorant for him for some skins, and he doesn't even play that game anymore. That's my anniversary gift every year is one skin on Valorant, because I don't like physical things.

56:44And I'm a game gooner, but what the fuck are we doing? I like physical things. I don't like owning physical things, so she just gets me a skin every year on Valorant. Dude, just take a blowjob! That's part of it. Rude. This is crazy man Yeah And I'm mostly joking about the game thing Well, we do have to stop being so sensitive. It's weird to get banned for just being a little bit of a troll. What the fuck are we doing? It's usually just constructive. It's so stupid. It's so stupid. Just pussified. Everything's so pussified. Not anywhere near that much. Yeah, League has become more soft than Call of Duty, and that's saying something.

57:20This is a fucking crazy purchase, and you're still going to be paying on this forever. Oh, there's the best one. Okay, what's this? That's the laptop. What account is this? That's my... Afterpay? It's like Klarna, but one pay through Klarna? what even what is that i don't know i don't even know what that clarna reband branded 14 times i don't know yeah so it comes up yeah it came up as one pay through clarna or something through walmart he bought it through walmart so it's like a it's like a firm it's a monthly pay you know it's a monthly pay yeah it's the same thing it's okay and this is a laptop yes whose laptop mine the is it uh 4050 i7 it's uh why he got it to play to make maps for dnd campaigns yeah and i've already put over 200 dollars on it you already have a desktop yeah let me pick that up and take that with me when i'm no you can send yourself the damn map can you not on a cheaper device you cannot edit it on it uses the ram in your computer and on your graphics card to make i'm generating actual assets.

58:19Oh my f***. What a ridiculous excuse for buying this thing. How much was it? $8.50, so I think it's$1 ,020. Yeah, it's like$1 ,020. He just got this last week. Two weeks ago. Good. What is wrong with you? I thought we were trying to take this seriously now. You're getting on her f*** at the beginning? You're getting on her f***ing a**. Maybe you should have put it in her a** so we don't have a kid coming with this kind of behavior that's happening. What the f***? You're going out and getting a 4080 laptop? I did tell you. Laptop? I did tell you recently. You say 4080? No, no, no. You told me 4080?

58:57I said 4050. Even still ridiculous. This is after he sold our two gaming laptops that we had. No, I sold one that was breaking. You guys don't even know what's happening in your own household. I know what's happening in our household. I don't even know, man. Okay, so that's even worse. You're not ignoring it, you're just choosing to do this. Yeah. What the f***? Come on. Bullshit. This D &D thing is such a f***ing cope. Come on. What do you mean it's a cope? I mean, it's accurate. It's happening. I have 200 hours on the laptop in three weeks. Dude, what the f***? Spend 200 hours going and working and paying down this debt, you dick.

59:32I do. I can't work more than 40 a week. That's not how government installations work. At that job. Any other job on that installation, I cannot do it. On that installation? Yes. That installation is the town. No, that installation is the town. I mean, there's not one business in the entire city. Yeah, there's a buffet that I won't say, but they offered me 12-hour shifts,$7 an hour, no breaks, no lunch, no overtime, which is illegal. No overtime past eight hours a day. Good, Sue, make a lot of money. Dude, I don't care. You need an other job. It's all fast food places, and that's it. And a Walmart.

1:00:04Good. I've interviewed for fast food places. Overstock some shelves. Over to stock shelves at night, dude. Yeah, I'm actively looking for a job. and right now and indeed says they have them all but then you go talk to them or you call nothing no callbacks nothing i've been applying for six months now to try to get a second job for weekends yeah there's food all over the place there's a hobby lobby yeah i've i've applied to every place that's restaurant saloon jersey mics we got uh yes i've applied to everywhere on there i have over 600 pending applications yeah but your your application is probably if we're being completely honest because what you're doing is you're likely talking about all the experience you have, which makes it look like you're only going to get that job for about a week.

1:00:44No, no, no. I only do a limited, like, last three to four years. Yeah, but it shows your experience of the jobs that you're likely trying to do. So it shows that you are probably just going to accept their... I tailor my experiences to what fits that job. Tell me. What does it say? So I have 12 years of chef experience. So when I'm applying to a restaurant, I put that. I specify my experience to the job I'm applying for. Got Verizon, AT &T. I don't want to hear this bullshit. Cricket. This is just a normal town, man. Come on. There's a Goodwill carpet store, furniture store. This is just a normal thing.

1:01:16He tried to get a job at Verizon when I worked there, but they wouldn't let him. Barbershop, you wouldn't be able to work there. There's a family dollar. They'll hire everyone. Yeah, I have a lot of applications out right now pending, and I'm just not going to get back. Because that's what I would say. I'm calling and following up. Keep grinding. Keep grinding. Yeah, I'm trying. Well, I appreciate that fact, but that's what I would be doing instead of the... Yeah, yeah. I want a second job off installation. But it's just a normal town. Come on. This is just a normal town. It's very not. A lot of those buildings are closed or run down or not working.

1:01:45These are open businesses. I have them in front of me. I'm seeing them at home. They've had the same three employees since 1492.

1:01:55I'm not joking about that. I am applying, though, yes, and I am trying and following up. I'm even applying in the town 45 minutes away. If I have to, I'll drive on the weekends. I promise you I am trying. Sus is fine. Yeah. I'll accept sus. That's fine. Okay. It's a laptop. $55.70 something. Yeah, well, yes. The minimum fee payment is$55.77. That we got two weeks ago when we well know we're pregnant at that point. So D &D is more important than our kid. No. Well, behavior suggests that it is. $1 ,002.74 owed. And your thoughts on him going and just buying this. So I tried to give him options. I was like, well, I have an iPad.

1:02:40You could try to do it on the iPad and then go. It won't work on an iPad. Yeah, it wouldn't work on an iPad. But I'm vibing with that. But go ahead. Will, what did you think about his purchase? And like I was telling him that maybe he should wait until we got some stuff paid off first. That makes sense. What's wrong with that solution? He said, well, I'll give it a day to think about it. And then five minutes later, he's like, hey, I need all your stuff because it's under my name. That was probably the dumbest, most rushed decision I've ever done in my life. And it's just two weeks ago, which makes me terrified going further from here because no one changes in two weeks.

1:03:08I'm sorry. We have changes over the course of a year or two years, but no one changes in two weeks. Yeah. I tried to talk sense into him and then he was like, yeah, I'll think about it. And then he was like, no, I'll just go ahead and do it. Yeah, I tried to talk sense into me. She sent me one text saying you can use the iPad. And then I said you should probably wait. Which acknowledged by you that would not have worked for the use case. But that was the only text she sent. That was it. Oh, and then she sent the text with the code for me to try and corner. So that he could. That was it. She's saying she fought back.

1:03:35She did not. He needed the code so he could go ahead and make the purchase under my name. Here's another PlayStation, a separate PlayStation. Is this a new PlayStation? No, that's old. New's PlayStation. That was his first one. Is that one? I thought you never get yourself anything. I didn't get that for me. That's the one. Is that Affirm still? I don't know. Dude, these are screenshots. That's Aaron's. That's the one my roommate got for me. They're paying that. That's not me. I'm not paying that. Why do I have the statement? Okay. Because it's in my name. Oh, for f***ing. But he has not missed a payment.

1:04:08Well, I gotta put it on. I won't put the minimum payment towards the total, but it's still in your f***ing name. Yeah, if he bails on it, it's fine. Why did he buy? Why? Why is he doing this? Well, so I was gonna go cash flow myself a PlayStation at the time, and then she made an offhanded comment about how she wanted an Xbox Series X, so I spent that money on her Xbox, and my friend felt bad, so he paid for the f***ing death. Still is$102.03. Yeah. I believe it's two payments, I think. Yeah, monthly payment is$76.81, but I'll put it in parentheses. That's for the roommate. He just sold the Xbox, so.

1:04:45Oh, good. Okay. That's crazy. Fucking crazy, man. Tell me this. What am I saying? This is a lease agreement for something. That's probably the Xbox. Maybe. The Xbox coming next? It was a cash price of$1 ,126 more than any Xbox I've ever seen. Yeah, that was probably the Series X. I have a Series X. I did not spend$1 ,200. Yeah, it's errands. It's predatory as hell. Wait until you get to the errands that we almost got a divorce over. That's the phone. The errands? Yeah. What does that mean? There's more errands. What is an errand? Oh, it's like a rent-to-own. Like rent-a-center? It's like 50 % to 70 % APR.

1:05:29It's great. Oh, a 70 % loan on an Xbox? Yeah, errands is predatory. It's great. Predatory that you keep coming back to for the things you want. No, that was all within a three-day thing. Predatory, I don't want to f*** in here, that you chose to do. Not anymore once we're done with it, but. Yeah. Yeah, we'll see. I don't know. These statements scream you guys will be poor forever because your decisions. Yeah, the difference is one of the errands we unironically almost got divorced over. The difference is you just went and affirmed a f***ing laptop for$1 ,002 at 30 % interest. I don't want to hear it.

1:06:01It's not like behavior is dramatically changed by any means. Sure, we went from 50 % interest to 30. You're still getting absolutely f***ed up the ass. Okay, so Xbox. Great. $263.37 remaining. Monthly payment of$87.79. Are you guys paying for this? Who's the other guy? It's us. Okay. Everything else errands is us. Just that one isn't. Fucking crazy. This is insane. This is like the final boss episode again. I might call this the final boss again because this is absolutely insane. This is every debt that has ever existed. Lindsay, are we going to do a fat stack week again? Because we're fucking here.

1:06:42This is insane. I don't know if we have enough for it, but I mean, just listen to that. And this is half the stack. That's half the stack. Debt to friend. Yeah. Why? If for what? When? Where? How? That's the wake-up call because emergency fund would have really been nice at that point because our water heater Yeah, let's get Xboxes at 70 % interest. Our water heater blew up. Your friend paid for your water heater? So I paid what we had in our savings. Which was? $600, and then I needed the other$1 ,100. Your roommate? Yeah. Borrowing from your f***ing tenant. Yes, yes. You're borrowing from your tenant for a hot water heater so that your tenant can have hot water.

1:07:29Yeah. That is insane. That is the catalyst that started the meltdown. When was this? Beginning of the summer? So you still got a laptop after that, which would have paid him off. The number one YouTube membership just got upgraded. Three exclusive shows every day, Monday through Friday. Financial audit post shows. Exclusive and uncensored financial audit episodes. Our call-in show, Hammer It Out. Well, then take the train, you f - And brand new shows, Fat and Fatter. That is, whoa. That one is, I would go off brand. Behind the audit. What? This was wild. Shop smart.

1:08:21And now, upgrading from one live stream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Join Hammer Elite, the best membership on YouTube today. That's disgusting. Yes, it is. That is selfish. Which he said, he was like, oh, you don't have to worry about paying me, like pay me back. Yeah, he's being very nice about it. Are you on a monthly thing with him? How does this work? No, he wants us. So I'm going to do. How does he even trust you? You hear this all the time. I'm going to do the snowball. And I told him I was going to put him towards the front.

1:08:58And he said, just put me at the end. He's been very nice about it. And I. Why does he trust you based on anything you guys have ever done? Because I saved him from being homeless. Yeah. You did a kind gesture, but how does he trust your finances? Because I've known him for like 15 years. And he knew me before the spiral. when I was financially stable. They don't know it's this bad. Oh, he does. 100%. In detail? Yeah. Why? Because I've known him for 15 years and he's who I talk to about everything. He's like my brother and I think he sees me the same way. He says he does. He knows you went and got this laptop.

1:09:37He was like, f*** him, do it. He was sitting right next to him whenever he bought it. He's in my D &D campaign. Good f***. It's a dysfunctional, functional household. Who has 8 ,000 hours of student loans? That's me. Are they federal? Yes. Okay, for what? When I was going to college.

1:09:58For what? I changed my major like four times. So I have - Did you get a degree? Okay, you dropped out. Well, I was going, I was going to, I was trying to finish my basics and then try to go for the nursing program. But then I didn't have the money to pay for the semester. So I couldn't, I can't go back until I pay this semester. What's your payment? A hundred bucks a month? Your minimum? Something like that. But those... But what? Are you even paying them? No, they just came out of forbearance like four months ago. And she didn't tell me about that. Why aren't you paying them if they just came out of forbearance four months ago?

1:10:29Yeah, she didn't tell me. So it wasn't even in the budget. I found out when we were calling for the show. You know, they're about to be in default. Pretty damn quick and the government will contact your employer of which, trust me, they know who they are. And they will take your pay before it even hits your account. It's called garnishment. Yeah. that's what's gonna happen. So are we getting on the payment today? Yes. We likely will have a back payment of like 500 bucks or so. Yeah, I think it's like 500. I had her look into it and we get paid tomorrow and we're jumping on it because I did not know they were out of for a moment.

1:11:01I'm gonna assume it's a$100 payment on a monthly basis, but you're gonna have to make up for it. I don't know how you're gonna pay for that makeup. I just sold that Xbox when that money hits the account. Oh, man. We're still all on the Xbox, but... I'm literally skinning my teething it, yes, but that is very important, and I didn't know it was out of forlomen, so I need to jump on that. So we're going to skin up our teeth it for a little bit longer and hopefully get somewhere eventually. But I was kind of hoping I could start school back up and not have to worry about it. Why? Why is that always the excuse?

1:11:32That's for the laziest motherfuckers that are— This is a$100 payment. Go make money. Start a career. You're a mother. Almost. Yeah. Why is it go back to school to avoid a$100 payment? So you're going to balloon your debt even more and then always defer it by going back to school endlessly? And now the student loans are different anyway. New student loans you take out or not is forgiving anymore. They're still very forgiving for what it's worth. It's worse than that because she already went back to school once. Yeah, I know. That's why they were in forlouement for so long. Yeah. Because she stopped going to school before I even met her.

1:12:07And then she went back once already and I was like, yeah, she's going to do it this time. and she made it a quarter of a semester and just didn't go back again. And now she wants to do it again. So that's my trust issue is like, why would I pay this so you can go back just to not finish again? It's a good question. Why? I mean, I don't plan on trying to go. I say I wish I could go back. I don't have like immediate plans to go back or anything. I just. Okay. That's the same face I made. They're telling me whatever next statement is. I need your phone or something. It's star card. Oh, yeah. Yeah.

1:12:41because we can't really get statements for that because it never loads and doesn't do anything right. We can't print them. Because everything run by the government runs perfectly efficiently. This is by the government? Yeah, it's an installation-only credit card for their base exchange and all that. And it's the worst thing in my life. It meant not known to be effective. That is true. Oh, and you have a second star card, but it's in collections. Why would they give you another one? What the fuck is that? So this one is mine. And the collection one is his? Before we even got together, that was his.

1:13:21Yep. For fuck's sake, what the fuck are we doing? What the fuck are we even doing? Okay, here we go. Yeah, you can do whatever you need to on that. Screen recording, thank you. Oh, my fuck. Yeah. This is insane. Yeah, that one is aggressive. This is insane. How long? What the fuck? I haven't even had it a year yet. $3 ,500, huh? No, it's been over a year. Has it been over a year? I can't, yeah. Probably just. $3 ,596.90. Yep. What the f*** is happening? So that is. Oh, it's just, oh, it's just. The Troop Store, Troop Store, Troop Store. Yeah. Bulls***, bulls***. Golf dumpster. It's like a crappy Walmart attached to a gas station.

1:14:03Yeah. That's what the store is. What's the minimum monthly payment typically? It's 85, but I do 100 every year. Well, I'll do 85 because I don't know why we would put a little extra to it. That doesn't make any sense. That's not involved in any debt payoff strategy. Yeah. Well, what the f*** are we doing, man? Struggling. Can I say again? Yeah, by choice. Yes, it's by choice, but struggling. You guys used to use the StarCard to buy electronics? Everything. Switches and stuff? Yeah, everything. He bought a Switch for himself. Which I use. He bought me an Apple Watch. And then, yeah, her Apple Watch.

1:14:39He bought me a laptop. Oh, guys. That was the school laptop. It was a little$300 dinker that she doesn't use at all. Switches, Apple Watch TV, laptop, video game headsets, and other Switch maybe. Is this? Yeah. Okay. Okay. Fucking crazy. Your guys' behavior, this is some of the most insane behavior I've ever seen in terms of spending. Tell me the collections, the StarCard collections. So that one is fun. It's more of the same. And then it went to collections, and they took our tax return to pay it off. Yeah, because it's government, right? Yeah, and it went down to$16 on it. Never told me. Never called.

1:15:22I tried to call them. Nothing. They never told me anything about it. And the next year, they took it again. Still didn't pay it off because apparently in that year of interest, it accrued back over what it was at. And so now it's back at the same. Do you not check Credit Karma or something? It won't show up on there. I don't know why the StarCard will not show up on there. And when I try to call them. Is it on your credit? Yeah. It shows up, but it won't show me the amount. The balance updates like once a year. So what's owed on it? Right now,$1 ,800, I think-ish. Yeah, it just racks up so fast.

1:15:56And they're supposed to be low interest. That's their whole selling point. And then it went to collections, and they were like, ah, no, it's like 800%. Something's fishy about this, man. Yeah, and when I try to call them when it's a big balance, I'm like, hey, can I do a payment plan or something? They're like, we only take two payments or three. That's it. So I would have to do it. How did you get on that? Because it's like$900. So I always try to push it off and try to justify it. I say, oh, yeah, when I can afford that$900 every paycheck. But, yeah. Yeah. So we'll call it$600. I'll put it in parentheses.

1:16:25Oh, I'll call back when I can afford it. But I never can, so I never call back. So that's been the big thorn in my side is how it keeps racking itself back up after our, and I can't get a hold of them after they take our tax return. So many sus things in this conversation. I don't know. It's just, it's hard for me to fully. That's fine. I don't expect you to believe me a hundred percent, but that's not a hundred percent believing. It's just like, I just don't know what's true. Not as a lie, but as a, like what the f*** is going on? Not exaggeration. I just don't think we know what's going on here and we don't have like statements.

1:16:56Yeah, I can't. We don't have statements to show. I've had to print statements for the Star Cards so many times. It won't open. And again, if you're choosing not to do these three payments, like$600 at the lowest, you're going and getting the$1 ,100 laptop two weeks ago. So sympathy out the door. What the heck is going on? I'm not expecting sympathy. It's just I've been jumping through hoops for this damn Star Card for three years. Yeah, you could have finished it. I could have, yeah. Multiple times. Yep, and I never looked at it that way. You got the gaming PC in? December. Okay, that would have more than paid this off multiple times over.

1:17:30But I didn't buy it. I mean, now it would have with the payments, but I mean, I didn't put anything towards it up front. I know, but it still works. If you put the money inside. That's the problem is it's like, oh, well, we want this. Okay, cool. We'll pay exponentially more and waste our time for the next two years instead. And it just seems easier on paper. And then before you know it, you're getting railed from behind. It's great. Okay. Credit one, indicative of having the worst finances imaginable. Yeah. That's mine. Okay. Well, I don't use it. I got it. Oh, it's maxed out. I got it. You don't use it, but it's maxed out.

1:18:06That's interesting. He uses it. I don't. Oh, what the f***? Why? Yeah. That's, I can almost guarantee. We swift slot debt. That's like crazy. Yeah. I can almost guarantee that one's all gas, food. Why credit one though, dude? And oil change. Do you have interest and fees like? because she applied for it and they gave it to her and she gave it to me and then I didn't know the interest rate on it was insane but listen it's at$490 and 10 cents $118 in fees this year so far $77 of interest$30 minimum fee payment crazy capital one union plus credit card there's two of those I have one and he has one.

1:18:50Okay, whose is this? What's the... Balance is$495.06. That's mine. So I think I got... Okay, minimum monthly payment,$25. Oh, we're still purchasing on a card that we cannot pay off that will take minimum monthly payments two years alone to do. What's the charge on it? I don't know. I'm about to find out. Interest,$11.49 is accruing. Why the f*** are we spending on a card that we cannot even come close I don't know if we're trying. It doesn't matter. It might be my union auto. I can't turn that off. I've tried three times. No, you can transfer it to a different thing. Yeah, I'm trying to. AFGE local.

1:19:28Yeah, that's the union. And I've tried to cancel it. I've tried to transfer it. But our union is getting. Then tell the credit card not to accept this anymore. I did now. I did. I promise. No, that's a whole problem. Because our union is going through a bunch of crap. Also, we've had a late fee this year. Yes. $33.71 of interest accrued. Yeah, that's the union thing. It's like our whole government crap is messing with the union, so I can't get a hold of anyone to mess with my payment. We can't get a hold of anyone for anything. With the government? No. Zero percent chance. Which is crazy because usually when they want your money, it's pretty easy.

1:20:0227.49 % interest on this. Okay, now you're a union plus. Yeah. Okay, you owe$306.63. The limit's 300. You're over the limit. You're over. what are we doing? This is just, you're hitting every financial audit milestone you could possibly hit. $35, $25 minimum monthly payment. Yeah, you purchased, it was at$360. You're already over and then after you made a payment, you purchased$30.98. Yeah. Then interest grew to$7.05, pushing you well over. So I had like subscriptions like YouTube and stuff like that, but I - Why is it on the credit card? I took those off. So they're not - Well, good. I'm glad everyone's done everything.

1:20:43The statement right before coming on the show where their finances are going to be criticized. Who would have thought? But yes, it's Apple bill, Apple bill. So that wasn't even moved over in preparation for the show. It was moved over to the joint account because it's under bills. Yeah, so it's just my... It just happened. Yeah, yeah. 27.49 % interest rate. Because we just got the joint account. Yeah, so he put it as a bill instead of... When did the joint account and allowance start? Last month. A couple weeks ago, yeah. Oh, geez. Yeah. Oh, great. This is just collections, collections, collections, collections, it looks like.

1:21:13No, well, open, open, open. Okay, yeah. So 200 Is this all collections? Whose credit Karma screenshots this? Yeah that's mine Are they all collections? Yeah What the f***? Why? Why just so many collections? No that's mine Because it says Ally right there Are they all collections? Yes Why so many collections? Because I haven't touched anything credit wise in years This is f***ing crazy $2 ,588 in collections I assume you're not on any payment plans for those No Okay who has a 2019 Toyota Camry? That's mine. Well, it's a 12 % interest rate. It's crazy for your guys' income situation. Yep. It's a$26 ,152 balance.

1:21:56For your guys' income situation for one car is rough, man. What do you think it's worth? I think it was around$18 ,000. Just about, yeah. So we're underwater. Yep. $26 ,152.38. 12 % interest rate, minimum monthly payment. stacking up like crazy. Good luck making a budget at the end of this. We'll see. $579.38. Something crazy. That's the less crazy vehicle. Yeah, mine. Of course it is. Great. Can't wait. Thrilled. Okay, what's this next car? That is the crazy vehicle. Ford F-150, of course. You need it for going to work. We can have this. I use it for work. What? I do maintenance. I have to move around all my materials.

1:22:41And there's no work vehicles. There's one to share between all of the maintenance. There you go. But. So let's not justify getting a car back in California. It's not like I can go buy a Toyota Corolla. Yeah, he doesn't fit in cars. At all. Whatsoever. And I have a fake knee. It's not like truck cabins. It's the largest thing in the world, though. Yes, it's massive. I have room. I can sprawl out. I can put my legs straight when I need to. Some SUVs have big room, too. I tried. So I went to six dealerships in our town, every single one, and four dealerships in the town 45 minutes away. The only dealership that would approve me is that one, and they had that and a minivan.

1:23:16And I tried to do the minivan, but I did not fit in any way. Well, you owe$27 ,128.45 with minimum monthly payment, which is absolutely disgusting for your household, but we're justifying it to death. $742.19. Yeah, it's worth$24 ,000. So we're underwater on both. Also, this is interesting. I mean, you told Lindsey that you got turned on for a$9 ,000 car. How'd you get magically approved for this long? No, I got turned down at the dealership where they had, like, buy here, pay here,$10 ,000. This is at a 21 % interest rate. Yes, that's why I said that's the egregious one. For 59 months left. Oh, for f***s sake.

1:23:54Yeah. You can give me the line, sell it, get something different. I can't get approved anywhere else. That is the only dealership that approved me for anything. Once we clean up our credit, maybe we will. Once it's cleaned up 100%, I will go get the crappiest Ford Ranger built in 1492. That's fine. But as of right now, I will die on the hill that that truck is all I had. I would not have made it here for this if not for that truck. I cannot be in a car car like her car. I can't drive it more than 10 minutes. No. Barely. Nope. Economy plus, maybe if I sit like fetal position and cry the whole way, maybe.

1:24:31Yeah, it sounds like you can't do anything. The story of my life. Okay, this is a mortgage. What's your house worth? Oh, I think Zillow says 132, 136 around there. Little equity position. Okay, then Zillow's usually a little over Zillow's. Yeah, yeah, yeah. $96 ,790.50. I love the 3 % rate. Yeah, we got it. What's the monthly payment? $9 ,1232. Very curious to see how this budget starts. It was$650, but every year it's just going up. Jumps up, yeah. Okay, I think we actually finally made it through the debt, did we? Yes. So, you're about to make a trade based on a friend's text. But which you do you listen to?

1:25:14Is it, we could buy a house in Tulum. Get optioning those options. We could lose everything. Or, let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at finra.org slash trade smart.

1:26:02sent me of her credit karma i'm pretty sure lindsey's gonna read then uh so we have her two payday loans that she stopped paying on one for 1300 the other one for 800 he also has a payday loan for about 200 collections or he has it no no it's in collections yeah it should have been on that credit karma yeah i don't so then she has two capital one cards that are both in collections She has a GameStop card that's in collections for$620. A JCPenney card in collections,$655. She had to open that because there was a watch she really wanted. And she couldn't afford a cash for it at the time. So opening that card made sense.

1:26:46She also owes Verizon almost$3 ,000. She had a phone, a backup phone, a tablet, and a watch. And she just stopped paying on that. Then she has a$1 ,114 collection for debt consolidation. Yeah. Oh my fuck, I don't even know, guys. You're just, this is so bad. You guys just have everything. Almost all of that was pre-relationship. I don't give a fuck. I don't care.

1:27:25When does it even matter if it is? Look at the debt you guys have accumulated during your relationship. It's not like, oh, it's so much better now. It's like. I'm like, I have the Affirm, too. I don't know why it wasn't in there either. You have an additional Affirm. Like in collections. Like I have my own. The one that got her banned from it. I can die. Ended in balance and checking account,$52. Winnie got some BS. Got some McDonald's, Chinese restaurant. Yeah, that's her. United cash app. Going and getting some BS. Getting some BS. Sonic driving. Getting some B.S. McDonald's. McDonald's. Getting some B.S.

1:28:00Good luck, guys. Getting some B.S. United. Getting some B.S. Getting some B.S. Getting some B.S. Getting some B.S. Getting some B.S. Getting some B.S. Getting some B.S. McDonald's Cash App. Rom store. Taco Bell. Getting some B.S. Rom store. Getting some B.S. Getting some B.S. cash app out$55 off time I use their high yield savings account so I do like them but I mean this is just like what the f*** is this you ended with $0 so I don't know what the f*** we're even doing oh you got a lovely little pay advance and pay advance and cash app and out and pay advance because he's so good because everything was so bad before the relationship like that f***ing matters look what we're doing now we're pay advancing and pay advancing actually you can use it in a leverage way that is actually good but I know with the way you f***ing do it, it's absolutely moronic in every way whatsoever.

1:28:56I did originally, and then I got stuck in the cycle. Well, now I have to use it again and again and again. No, because you weren't using it properly, or else you wouldn't have gotten stuck in a cycle. There would be no cycle if you're using it correctly. I don't want to hear it. Went and got some BS. Went and got some BS. Fresh Steaks House. Went. Cash out about$617. Pay Advance. Spotify. Steam purchase. Great. Never get things for myself. Pay Advance. $92. Pay Advance. $139. but thank goodness we're going and getting a video game Little Caesars pay advance, crunchy roll lick your pizza hot, pay advance getting some BS, pay advance $140, I'm gonna f***ing die what is the point Chime ending with $752 oh that's his credit builder card yeah the credit builder card on Chime huh?

1:29:45oh yeah so like most of the transfers back and forth are between those two cards BS, BS I'm going to f***ing die. Okay, what is KC2 Distributors? That's the cigarettes. Cigarettes, cigarettes, cigarettes, McDonald's, going to get into BS. Cigarettes, McDonald's, get into BS, BS. Cigarettes, BS. BS, BS, McDonald's, Fred Stakes House. BS, Strickland Brothers, BS, BS. Sonny's.

1:30:17Death. 763 in this account Don't even know Transferring back and forth it looks like Spot me, great, wonderful $99 in there, kill me now Cash app,$0, wonderful Money came in, money went out Cash app being sent, cash app going out Ridiculous SoFi That's the new joint account we just opened Personally I've moved on from them I wouldn't recommend it It's just the way you get access to your money They can be a bit funky and so-fi. I did not. They made it harder and harder. They were good at one point. They made it harder and harder. Okay, yeah. I just went for the first one that had good reviews and all that.

1:30:57So I wasn't sure. Yeah. Plus their interest rates are low compared to like Chime and stuff. Yeah, we all had Chime at one point. And I was using the SpotMe. Yeah, we all transferred off of it because we were just habitually abusing the SpotMe. Yeah, if you're abusing that, then you certainly can't use it. Yeah, so we just all moved off of it. Okay,$4 ,600 comes in on a monthly bus. basis. Good luck us doing this budget. Debt alone,$2 ,309.56. Also basically, nope, yeah, half of our entire income. Great. Add in the mortgage. Now, mortgage alone,$912.32. What is our utilities? Gas, electric, trash, blah, blah, blah, internet, all that combined.

1:31:36What's our utilities? It's a total of$472. Gas, vroom, vroom, drive, drive for both of you combined. It's$210 a month. Car insurance is$200 a month. Phone bill? $270 a month. Groceries? Okay. $600. Oh, yeah,$600. $300 a paycheck. $300 a paycheck. $600, that should be fine. TP fund, I'm going to say about$150. Got to keep you a bit lean here. Healthcare medical, co-pays anything? What do we got? All comes out of our pay before. Yeah, co-pays though. No, because she has - Medications, co-pays, therapy, okay. Okay, gym? Do we have a gym? Free. Good. Subscriptions, I'll try$20. Pets? We only have YouTube for subscriptions.

1:32:26It's premium for the kids and us. Pets? We have two dogs and a cat. Ages and health? One is around 13. Okay, not that one. The other two? It was like 13. She'll have - Jinx is four. Nine, five, and then the cat's like three. Jinx is four. Okay, for the five and three-year-olds, how's their health? Good. Okay, get pet insurance. I'm going to say 50 bucks for both. How much for pet food on a monthly basis? We buy 75, 65, 75, yeah. We'll call 75. Anything else that needs to be in your budget? Speak now. I've watched enough to know that I can't say cigarettes, so no. Well, no, I'm not going to sentence you to death, really.

1:33:07I'll work on it. $4 ,600 comes in. Great. What you need is$5 ,268.88 on a minimum monthly basis. Well, we have the roommates, and I'm trying for the second job. How much comes in with the roommates? One's leaving after that. After that,$900 a month. Okay. So that is going to leave you with— And I did just get a promotion—or not a promotion, just a pay increase. Well, you're going to have wiggle room of about$231. Okay. Now, with the roommate thing, and hope that other one doesn't leave. Okay, well, I mean, with that, I mean, the bad debt alone for the$72 ,000 of bad debt,$231, that takes 311 months to pay off or 25 years.

1:33:50So here's what I'm doing. Credit's already. Change your behavior for three months. Work on a budget together. Again, use the dollar wise thing. Go through the budgeting class. Go through the debt class. Go through the beginner's class. Go through all of them. You get them for free. Use the budgeting app. you get the premium version for free, change your behavior for two to three months so you guys are sitting down, you're budgeting, you're showing, just stop even paying on the debts. Show that you guys can budget in life. Obviously pay on the mortgage and car. Pay on life. That you can budget a very conservative budget and you can be strict and you can cut back on the bull and stop going out.

1:34:27Then, after you do that for three months, bankruptcy. Yeah, I was looking at that, but I didn't. Bankruptcy. I didn't want to go into it blindly. It costs a few thousand bucks. It can definitely be stressful in a relationship, but do it. But if you do not change your behavior beforehand, I'm going to sit down with you in two years, and you'll be in the same situation again. So change your behavior for three months, then go through bank sharp see your credits already, so it doesn't even matter. Your credit will be for like seven to 10 years, but you already have a mortgage. You don't plan on moving for like 15 years anyway, so we can go through this, and that will set you up for a better future.

1:35:02Okay. All right, guys, make sure you come to the post. I'm going to give their hammer financial score, but make sure you come to the post show. There's always more to talk about and we'll go through all this extra stuff that we didn't have a chance to. It's fucking crazy. But same financial score. Spending your budget. Well, you ever spent. Zero out of 10. Debt. Well, you have collections. Zero out of 10. Emergency fund. I didn't see anything in savings. Zero out of 10. Retirement dramatically behind. Two out of 10. Real estate. We do have an equity position. It's the thing we don't like. I don't like that it's under 1 ,500 square feet for a deattached single family home that maybe we might want to sell and it doesn't sound like it's a great position, but we have an equity position.

1:35:37Do you like the interest rate? I'll give you a seven out of 10 for there. That is going to help your score for sure. That's the only reason I said one. Yeah, Hammer Financial score rounded up two out of 10. Guys, join Hammer Elite. Hit that join button and join us for the post show, ladies and gentlemen. You'll get three premium shows posted every single day, Monday through Friday. You got to check it out. I'll see you in the post show. Cassie has a secret debt behind his back that he doesn't even know about. What the f*** do you have? I borrow money from my nana. Thought we weren't dealing with your grandma anymore?

1:36:10She just gives me money if I need it, so I just borrow money and pay her back. Is she going to screw us on taxes again? What? How much are you borrowing from grandma? It's like, f***ing dollars. Well, why? And he doesn't even know this.

1:36:25You know what she wants to do, guys? She discussed it with you. She wants everything to come into one account and then give you two allowances. the one who makes no money handing out allowances that's that's not where i was thinking yeah i told you that before

1:36:42and you guys talked about bringing in a second dick it would get more affordable just a penis you'd be a loved penis

1:36:54is this you guys again yes wow okay everything is done i don't have any credit cards open Why would you want to come into this? Do you just want to combine so that we have her income?

1:37:08Already just hearing this conversation, Alice, so far. Are you not nervous to get involved on this on a deeper level? Caleb, you mind if I take a second? Take a second. He's probably going to need time. Well, before he comes back on? He's very angry and he's going to hold a lot of anger specifically at me. How does that usually, what usually happens then? He's going to shut down. Hit the gas. Hit the gas.

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