The Worst Finances In Financial Audit History

24:02You're just 30 seconds away from being debt-free with PDS Debt. Get your free assessment and find the best option for you right now at pdsdebt.com. That is pdsdebt.com. pdsdebt.com. You suck with money, so you download a budgeting app. You start with the classic one, Wynab, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end?

24:38Then 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. Well, but that's half of what we're making now. That's three days of work. That's half of what we're making now, though. But I still need to get... Can you guys afford half?

25:12She's suggesting no with the bills you got. Listen, with the conversation that we just had about this business and stuff, like what the— How do you guys even have conversations around the finances in the house? What does it look like? What do the conversations look like in this house? Basically, I can't spend this money. She starts talking about her business adventures, and I shut them down. And what do you do? No, tell me. I want an example. What do you do? Give me a reasoned conversation about it. Okay, I want to be a barber. No. What about a tattoo artist? No. Why? Because you've never even drew.

25:45You've never drawn nothing. You're not drawing nothing. You've got to learn. You've got to teach yourself how to draw. You've got to learn. It's like a learning process. And then barbering, you've never cut in hair. Even my hair you don't cut. I did too cut your hair. Out on the truck that one day you were like, oh, I need you to cut my hair. What did I do? I bald it. I bald you. That's not. That's a baldy. That doesn't require skill. What the f***? I feel like two toddlers are having a conversation. This is how it looks in this house? What the f***? This is like a grade school conversation. What do you expect?

26:22An adult conversation. We just had one about a job. It was a grade school conversation. I cut your head on the road, didn't you see, when I took out my scissors and started snipping? I disagree. Oh, good rebuttal. You? Well thought out. Very nuanced. I am. You are what? What are you? I just think that I— You guys need to get out of the cabin, man. Why? You can't talk. I talk to people on the phone. You can't form thoughts. I talk to people in the shipper. In the shipper? Yeah. I don't know what the shipper is. Where we go to unload the truck. Okay, so, okay. The shipper. Very good. Now I know what a shipper is.

27:11Talk to all those people. Glad I learned something today. Okay. So that's okay. Conversation around the job. Sure. What about when it comes to spending, budgeting, our goals, everything like that? How do those conversations go? Who is what? Because I know you blame her for the debt. I have the note. I was just typed that you blame her for the debt. Does she even know you blame her for the debt? Angie, do you even know that she blames you for the debt? No. No. Okay. So what are the conversations that happen? What is the insight? I need insight and how finances are communicated in this house. Please.

27:40It's literally, I want to, hey, can I buy this? No. You at least ask for everything. Not for everything. Then what are you saying? Then you're leading me down a wrong path. If she sends me to the store and I'm like, oh, this is cute. I'm going to get it. Cute. What's cute? Baby clothes. Okay. And I'm like, oh, I'm going to get it. But me, she'd be like, oh, no, it's too expensive. She'd be like, no, don't do it. But I'm just going for cuteness. I don't care if it's like$24. Oh, Jessica, what do you think about this? How do you communicate back? How do you communicate back? Because my communication would be divorce and murder.

28:20But what would yours be? No, never. You wouldn't murder me. Okay, how do you communicate back? I just, just a simple no. That's it. There's no pushback. There's no worries. Usually there's no pushback. Then why are we in debt? What are we struggling with? If you can just say no, and you're the financially responsible one, and you can just say no, and she's like, okay, then why the f*** are we struggling? You guys make a s*** ton of money. If you've been pregnant for, what is it, seven, eight? I forgot. Seven. Seven. Seven months. Why is this not improving? Why is this still bad? Why is the most recent statement is f***ing?

28:55Why? Because you have a kid coming. Okay. And if you can just say no, and she's like, okie-dokies, then why the f*** are we in this situation? We just started taking over the bills. Yeah. We? From? My mom. What bills? What do you mean bills? Well, the house. The house. What about the debt you're in? Was it your mom's debt that you took over? Yeah. Utilities. It is. What? It's all. All your mom's debt. You don't have any debt. Well, the thing is, when we started working. What the fuck are we saying? She says you have debt. So why are you trying to gaslight me? What the fuck are you talking about?

29:31Trying to improve? I did not know that we had debt. You didn't know that you had debt? Yeah. This is our second month doing our own bills. This bullshit spending was$1 ,750 regardless of debt. $1 ,750 without the door and just bullshit nothing, not improving life at all. At a minimum, by the way, minimum. You know what? We redid our house. That's not miscellaneous bullshit. Stopping at a gas station, stopping at McDonald's. We used to smoke. I'm glad you don't, because you're pregnant and you almost were. If you want a high five for that, I ain't going to give it to you. That's kind of basic. You sure?

30:13Yes. Glad you don't smell like an nasty piece of shit. Well done. Proud of you. You woke up to what we all figured out. You need gas to drive, don't you? Gas? Who said gas? That's not miscellaneous bullshit. That's transportation, of which is very expensive. In fact, it's 38 % of your spending. I'm not complaining about that. I might, but I'm not. Because I assume you guys fill your own tanks, because you're independent contractors, right? No. This is correct? So how's the transportation so expensive? Probably going into truck stops and buying food and stuff. No, no, no, no. Transportation. Usually it's not gas.

30:44Oh. Would it be like a car bill? Well, sure. We'll have to go into it. But I would like to hear. I was thinking maybe you would have any kind of insight into your finances. I thought you were the— This is our second month ever paying our own bills. How, guys? I'm so confused. We're 31 and 32. What the f*** is wrong with you guys? Well— Even what? Yeah. Our mom. Our mom. No, her mom. Okay, f*** you. Why were you never independent in your life even before her? I'm irresponsible. I don't even have a bank account with my mom. How were you surviving before her mother? My parents. Your parents. So you guys are coddled children, and yet you thought it was time to bring a child in of your own.

31:25We grew up. Pathetic. No, you didn't. Yes, we did. Growing up wouldn't be this. Growing up wouldn't be putting more on a credit card than you spent. We still have a house over our head. We still have electric on. For now. We still have water. For now. We grew up. For now. From our parents, well, not, I don't know about you, but from my parents doing everything for me, you know, to us, well, me now paying stuff on our house, I think I grew up. You're pathetic. I'm calling your parents in the post show. Oh. Well, my mom died, so you can't. What? Yeah. My mom died last month. That's why we're taking over.

32:11Oh, yours is dead too? Yeah. Guys, everyone's getting dead parents. Stop. I'm sorry. That's hard. Your father? You can call him if you want. Okay, got one. What? We found one alive. I think, you know. Don't call mine. He doesn't speak English. I'll call Ace. No, we wouldn't do that. We wouldn't do that. We like Angie's parents. He's in Mexico. Yes, yes, yes. So you could call them all you want. We'll just drone him instead. No, we make jokes. No. So that's why I'm saying it's only been two months. I'm sorry to hear that your mother passed away, by the way. Since we've taken over. Yeah, she was in charge of paying all of our bills for us.

32:55So that's why I stopped two months ago. Yeah. Okay. I didn't even know that was that much money. so all of it was that much money. We just gave her a flat break. I'm being told we're going to call your sister because your sister's living off you guys milking off of you because she was milking off of mom, and now mom's not there. Now she's milking off of you guys, which doesn't even, I mean, I don't even know if that's your, yeah, sure, she might be like a bitch sister or something, but you guys are f***ing for your own lives regardless. Even without her, you guys are just destroying it by spending more and more money.

33:24But you guys are afraid to confront her? To get her out of the house? Why are we afraid? How can you be afraid? She used to beat me up when I was little. Okay, well, you're certainly not little. I'll tell you that. Hey. Fight back. Hey. What? That's me. Yes. You're on financial audit. Okay. But talking about somebody's weight is rude. Did you not watch the 15-minute onboarding video where I said, I'm going to make fun of your weight, and if you don't like that, tell me? Oh, yeah, I did. Oh, that's weird. Okay. So, you're not tiny anymore. Hit back. No, it's not worth the headache She'll stop talking to me for a while Good, right?

34:05Isn't that what we want, to get her out of the house? No, just because she stops talking doesn't mean that she's going to get out of the house Okay, who owns the... Do you own the house? It is our house No, do you own the house? Like, is it in our name? Oh, yes, yes, yes! Who owns the house? Good death, third time My grandma owns the house Okay. Grandmother's perspective on this then? She's not alive. She's dead. Who'd the title get passed to? My mom. Then who'd the title get passed to? Me, but not yet because it just happened in March. Okay, so once it is your house, take your legal authority and kick her the f*** out.

34:48Right? Why are you afraid to confront her? I'm so confused. Because she's violent? No, it's just not. She's not violent. It's not worth the headache. Well, okay, then what's the problem with her being there? If that's not worth the headache, then the headache of her being there must not be that big. She has a dog. Woof. Like, okay, welcome to American households. Her dog is mean. Okay, she has a bad dog. Yes. That's our big issue for wanting to kick her out? Well, she leaves her dog at our house, and then she just leaves for days and then comes back. And you've brought this topic up? Mm-hmm. Mm-hmm.

35:30We brought it up to her. She does her own thing. Walked away. Okay, then, yeah. Then she'll text her. So you'll kick her out? Then she won't talk to us. Okay, then kick her out. You're living with a child. How if she doesn't talk to us? Because you'll evict her. You own the house. We don't own the house. Yes, she does. Not yet. But she's about to. We don't own the house. She's about to. I'm saying when she gets it. How to is going to take more than a year. It's going to take a year to get the title? Two years? Why? Is it so challenging? My uncle's the executor of the house. And? He's in prison.

36:05What the fuck is wrong with your family?

36:10Never said our family was perfect. Okay. But you want to move into a new house anyway. So I don't even understand the purpose here. I do. We are not going to do that. Why? Because our house, our house. You've been in that house, that family household for. How are we even going to get a new house? Your whole life. You sell that house that we're currently in. You sell it. How? The uncle's in prison. Well, is he going to be in prison forever? No. You made it sound like it would take two years. I mean, yeah, it's going to take two years. So she can't sell the house for two years? She could rent it.

36:49Can she? Can you? Can't get the sister out? She'll come with the house. You don't have a roommate. Okay, that's not a real answer. So that's not a real solution to your issue. You want to move. Yeah, I want to move. Why are you against this? I guess I'm being told this is one of your guys' biggest disagreements. This is our biggest disagreement. It is. What's the issue? What are you advocating for? I want to move. Okay, we got married. We have a kid. Why not move into a house that is ours, that we can call ours? That is our house. Not a childhood home. I moved out of my childhood home. Why wouldn't you want to move out of yours?

37:32And then what's your argument? The house is almost paid off. It's a four-bedroom, four-bathroom house, and we only pay$1 ,200. And we live in the suburbs. Okay, well, you'll still live in the suburbs probably. because that's really all Dallas is. What if I don't want to live in Dallas? She wants to move to Pennsylvania. I want to move somewhere closer to my family. Do you want to? No. Okay, then obviously we're going to have a problem. And also who knows if the opportunities are as good as wherever you are going to be in Pennsylvania. Where in Pennsylvania? It's probably not, but it doesn't have to be in Pennsylvania.

38:15Then where? Okay, Philly has opportunities. Yeah, but it doesn't. No, she's not going to feel comfortable enough to live over there. What? Why? I don't know anybody over there. No. That's moving. It happens. Yeah, but it's like she'll never feel comfortable enough around, like, my side of the family. So how are we coming to any kind of agreement on this topic then? We want to move. If we want to move somewhere else, no, we're not going to move. The mortgage payment, I mean, that's a decent argument, and I do get that, but you can still sell the house. You can still sell the house, and then you can walk away with that massive equity position.

38:59I wouldn't get the whole amount of the house. So it's not just you on the title. Who would? No, it does go to me, but my mom said that if the house— Said? Yeah. Said? Yeah, said. Said might not be enough. You might get the full amount. I know, but I'm a pretty honest person. Okay. Very good. So she said if the house ever gets sold, I got to split it between my brother and my sister. Okay. But they don't get equal rights to the house before selling? We would get a bigger portion, and they know that. Then that's not equal splitting. Well, they know I'm paying on it and have been paying on it. How long?

39:37Two years. Oh, your mother wasn't? Uh-uh. We would send her mom money. How much were you guys giving her? We gave her$2 ,000 a week. A week? Yeah. What? To pay all of our bills and— Wait, she was paying y 'all's credit cards? Yeah. Whoa, you guys are actual children. Why do you guys think you are in the place to bring one into this world? Electricity. No, no, no, just like credit cards and basic shit. Not knowing that shit at 32, and you're bringing a kid into the picture? Wait, you didn't even know—because you only started doing it for two months. Yes, our second month doing our financials. I got that part, but you are seven months pregnant.

40:14In what world did you guys think you were ready to bring in a child into this world? What the irresponsible, selfish behavior mindset is that? Oh, my boobs were paid. You wouldn't even know. You weren't paying them. Your mother was. But they were still being paid. No, that's not the point. If you guys can't even survive on your own, how the do you think it's time to be parents? We weren't. We were paying the house. You weren't. Your mom was. Are you not able to understand this? Are you that much of a moron? It's our money paying all the house. But you're not doing it. Can you even tell me how much?

40:45So$2 ,000 a week and how much of those went to actual bills that were your own? Who knows? See, then you can't tell me. Liars. Expenses are$5 ,000 a month, you guys found out on your own, I'm being told. But$2 ,000 a week being taken from mom, where'd that go? $8 ,000 a month. Where'd that go if it was only$5 ,000 in expenses? To bills, to credit cards. No, but it's only$5 ,000 in expenses a month is what you guys have found out. Where the additional three? We went on a lot of vacations. So your mom would pay for them? So your mom had the savings? Yeah. What? So your mom was putting it into savings for you.

41:17Why the f*** did your mom think this was a good way to live? It worked. No, it didn't. Did it work? It did. Okay, total savings,$460. No, it didn't work. Where'd the extra$3 ,000 a month go? For years. It went to... Vacation. Vacation. You took$3 ,000 a month vacations. Every single... month. So every two months you guys were doing a great grand European vacation. Because that's what that could do every two months. No. Then what the f*** are we talking about? Well we did have a lot of arguments with her of why we're paying so much. Yeah and she said What did she say? I don't remember what she said.

41:58What? And you guys just allowed it and continued? What the f*** are we doing? I think we lowered the amount we gave her. Two? I think one. That was only $1 ,500 each. Each. No, each. No, for the$1 ,500 a week. Yeah. Well, I want to make up for. Oh, I know. I don't know. Yeah, it would still be$1 ,000 more than your bills, though. I'm like, where would that go? It didn't go to save you. You have$400. She probably gave some money to my brother. Oh, nice little redistribution from y 'all's end. Brother. Brother and sister. So money got taken from you, given to your brother. And also, we were paying for her doctor's visits and stuff.

42:37Well, that's fine, but you should be able to allocate how much money you want to be providing to that yourself. We told her to retire, and we would take care of her. Right, but she's taking the money without you guys designating how much money you want to give. Why would we designate where the money goes? Because it's your money. You can choose how much money you give, but you had zero insight. You're giving$8 ,000 for$5 ,000. You had no idea where money was going. She was just blowing it. Well, I'm not good at it. And now you guys have zero life skills. I'm not good at math. Huh? I'm not good at math, so I wouldn't know how much it would be.

43:11No, I can tell. I'm actually very nervous that you are on the road. Do I have to do math on the road? She's not a good driver either. Your brain is broken. Exactly. One, you're a woman. Women can drive. Can I? Can you drive a semi? No. Exactly. But I'm a pussy. Well, nobody told you to be that. No, just a woman. Oh, I'm kidding. We love women drivers here. We love women drivers here. Better than immigrant drivers. Do you? Yes. What's wrong with them? Who? Immigrant drivers. Do I what? I didn't say anything that would respond to you. You said that you love women drivers rather than immigrant drivers.

43:54Well, first that was a joke. That's why I looked at the camera, like Jim from the office, but also too. I got it. I mean, yes, there have been actual documented issues. I didn't catch the joke. Yes, that's why I said I'm concerned. of your brain being on the road behind a multi-ton vehicle at 70 miles per hour. This brain is working. When and where? We have not found out. Our truck goes 75. Even scarier. What's the financial score of this household? Zero to 10. Zero being the worst, 10 being the best. I think we're at a solid four. Oh, we agreed on it. We agree on things. We agree on a lot of things.

44:32Good. Glad to hear it. Would you agree that ours is a four? I don't know your finances yet. I wanted to get the baseline, understand what happens in this household. Now I'm going to go into the portion of the show that you signed up to be on where I go through the documents, and then I'll tell you your score in the end. Great. Okay. If you want your financial score, it is free. You can get it right now. You don't have to wait an extra 45 minutes to get yours like they do. But you can get yours at CalebHammer.com. Take the assessment. Takes a few minutes. See where you stand in the world of finances, where you're doing bad, where you're doing great.

44:59Again, it is free at CalebHammer.com. and if you do not want to be like them or they're just figuring shit out now for the first time in their lives, download the DollarWise budgeting app that's what you guys should be using. Get your free trial. See if it works for you. Most people take the annual version because it saves a lot of money and when you do, you get the digital version of my cookbook and my 30-day detailed budget meal plan where you can meal plan every single snack, drink, meal, everything on a $300 person budget. It is awesome. We verify it each quarter to make sure it's sticking with that budget.

45:29We'll raise it when we need to. I'll sign it and mail directly to you. This is what you need to change your food life, change your budget. Download Dallowwise. Tens of thousands of monthly active users for a reason. Check it out. Is it signed? No. I thought you just said you'll sign it for me. You just signed it for the annual dollar wise? She missed that part. Looks good. Dallowwise.com, link in the description below. Let's get into this. Who has the Quicksilver? Do we even know who has the Quicksilver yet? It's both of us. You're both on it? We're not on it. We're not on it at all. It's my dad's card, but we use it.

46:04Oh, okay. Then what's the... I have it in my wallet. Your dad's card? Yeah. Mr. Mexico? Mm-hmm. He has. Summer is the perfect time to get your budget in shape. And now that DollarWise is officially the best budgeting app on the market, I'm giving you a special deal to download, but only for a limited time. When you sign up for DollarWise Annual, you'll get my four-course educational bundle as a special bonus. So you can get financially ripped while you track your money. And normally this would cost over$700, by the way. But when you claim your summer budget reset discount, you'll only pay$249 for a full year of budgeting and a lifetime access to my four bestselling courses.

46:47Oh, and you'll also get a free copy of my budget-friendly cookbook PDF to download. So you can also get your body in shape too. Don't wait until your first vacation to try to get your finances together. Go to DollarWise.com or click that link in the description below.

47:29It's incredible. Check it out. Link in the description below. He has good credit. He has great credit. Does he? He does. On a card that is maxed out over$1 ,000? It's his card. I don't think he has great credit. He never even touched it. Doesn't matter. He doesn't even know about it. You guys are. Oh, my gosh. You guys are pathetic. No, no, no, no. I'm sorry. I'm sorry. I have to pause. You guys are actually morons if that's how you think this works. just because he doesn't know about it or he doesn't use it doesn't mean it being maxed out over$1 ,000 over the max doesn't impact his credit when this is his credit card.

48:07Are you guys that pathetically stupid? I have to ask. I have to ask. I know I'm being mean right now, but I have to ask. In no way in this world do you guys think just because he is not the one swiping that it is not impacting his credit when it is his credit card. Please tell me you understand that. That's why we're paying it off. No, we're not. You tongue. You tongue. I'm so sorry. I'm so sorry. I'm being so mean. No, you are not. You are not. We are paying it off. You put a thousand bucks away. You spent three. You f***ing tit. Dude, you have a credit limit of 7 ,000 on it. You owe eight. Paying it off.

48:45Go f*** yourself paying it off. You've never heard a child in there. Your mother's f***ing. Have you guys ever heard of what paying it off is? You spent triple, triple of what you even put towards that paying it off. What are you talking about? It's$1 ,000 over the f***ing limit paying it off. What paying it off? I haven't seen paying it off ever. Where's the payoff? Show me the payoff. I don't see it. What are you talking about payoff? You're a truck and triggering me. You're a f***ing dumbass. How can you tell me you're paying it off? Where's the payoff? It pays off. You pay. You pay. Look, okay, you pay as much as you need for the bills that month.

49:29No, no, no, no, no. That's why the payment never shows, because it was$1 ,000 over. I thought the limit was$800,$8 ,000. Just look at it. Just look at it one time. It doesn't show up. What? It literally does No, it literally does not show up It does not show up You sent me this Meaning you have access to this Hey, I did not send you that Who did? Papa? Papa in Mexico? No, I sent it Then you can look at it I didn't look at it But you can! You can! I know it's not a basket of fried chicken or whatever the f*** you love You can still look at it I don't think I've ever looked at one of those I don't expect you to do anything but you at least I just found out about that card two months ago You're the one swiping on it How did you just find out on it?

50:36No, it's me I swipe on it It's in my wallet And I just tell her Hey, it's over the limit Can we pay this? Bro, you don't even have a checking account You're 31 and you don't have a checking account. Why the do you have access to this credit card? I have access to all credit cards. They're in my wallet.

51:02What do I do here? This, I'm sorry. This kid's... Can we just be candid here? This kid's... With your not understanding of credit limits or looking at accounts or you having access to cards, you don't even have a checking account. You don't have a plan to save your life, uncle who controls everything's in jail. And you're spending 3 ,000 worth putting 1 ,000 couple hundred towards it. And you didn't look at it once. We're learning. Yeah, it's a learning process. You're learning. You're learning. You're 32. You're 32. And at 32, you can learn about investing in mortgages. But you're 32. But we never had to.

51:41At 32, we don't learn about opening a checking account. We never had to learn before. That's what I'm saying is the problem. Don't bring in a kid yet. A little too late for that. Is it? Go to Colorado. No, you can't do that. Okay. I wasn't advocating for it anyway. I'm just saying you guys are this poor kid. You're scaring him a little. He's kicking. He's going to need to kick a lot harder to end it. I'm sorry. He's just... He's... He's... It's learning. You learn. Like I said, you roll with the punches. You don't have a checking account at 31. I'm here. Exactly. So your kids. No, I'll grow up.

52:28Why haven't you then? We didn't have to. Yeah, didn't have to. There was no need. Why were we impregnating ourselves? Well, you're still getting taken care of. Because your grandma died two months ago. Everything was taken care of. You got impregnated seven months ago. Everything was taken care of. That's why. Why else? We had a roof. We had all the bills covered. We gave the money that needed to pay for bills, and then some. It was taken care of. Yeah, we have the financials for a kid. You have the financials. You're over the limit on this. You have the financials. Yeah, but how much extra money do we make that you were just talking about?

53:16That's a great question. Well, here's the answer to that question. You brought in 6 ,367 last month. I don't know how. Maybe hours were cut you spent. Oh, and I didn't even work last month. Well, that's why your income was half. Yeah. And I didn't even. That's what I just said. Hey, that was me. I brought that in. Yeah, you brought that in. You guys are so stupid. That's... Cool. Yes, I just said you made half income. Why didn't you even work last month? Yeah, no shit. That was on me. You spent$11 ,000. I don't care who brought it in. Why does it matter who brought it in? Why do you guys think that was a relevant part of this conversation?

54:03I am just telling you$6 ,300. Because I don't even have a bank account, and I brought in the money. and I have all these ideas for a new job and I still brought in that. Look at that. I'm doing something right here. I am capable of having a kid. Oh. You spent 10. You spent 11. You spent 11. 11 will spend. So telling me your financials are good. Is that what you said? Your financials are good? How much money do we have left extra? What do you mean left extra? That was just last month. That was a bad month. Oh, it's always conveniently a bad month, the month that I have the statements for. How does that work?

54:43Shut the f*** up. Bad months. There's a bad month every month. That's how months work. I told you, we went into a situation two months ago. We got ourselves into a situation. Last month. Last month. Last month. Why weren't you working, you f***? And even when you weren't, why'd you spend more than you made? Well, I was working, but I got forced on leaving. And I didn't even work last month. Yes, you got forced. Forced? By who? By my trucking job. Why? Who'd you run over? What kid? They found out I was pregnant, and they forced me to go on leave of absence. What? Yeah. Make that make sense? Exactly.

55:19Make that make sense. I'm pretty sure it's illegal to do, and technically I still work for that company, and I'm still on leave of absence. Okay. So this is your dad's, but okay. Who's making the minimum payments on it? We are. We. Okay. You don't have a check to go. Okay. And none of you are authorized. I just brought in money last month. Proud of you at 31. Well done. So who are you guys on this? Authorized users? No. No. Perhaps nothing that's not on y 'all's credit. No. We just want to pay it off and close it. Which is why you spent$3 ,000 after putting a thousand, couple hundred towards it.

55:59Yeah. It's a really interesting strategy. The month of March when I had no job and stuff. Yeah, that's when you cut spending, dumbass. dumbass dumbass it'll get paid off eventually great strategy it's interesting how it always defaults to that it'll happen not it's happening 24 years to pay off you won't be alive and the kid will be out of college yeah but he'll have money

56:27he'll have money he will be a-okay you guys are the dumbest people who said? me Why? You, the way you process information and the things you say. It's very nice. It's cute. It's scary. It's not cute. I'm not attracted to mentally disabled people. That might be a fetish of yours, not of mine. I'm not mentally disabled. I think it's a Pennsylvania thing. What? No. What, just because your senator can't read? I've never even looked at. It's because he had a stroke. None of this stuff ever in my life. And I still don't. Great mother. You'll be. Well, she's the math person, so. Because she's Asian? That's racist.

57:15Mexican. Mm. White Mexican. Your toner's running out. Okay. So you guys have access to the law again. Mm-hmm. Okay, so we don't send daddy money to pay this. No, we just pay it from our account. You pay, you swipe, and you f*** his credit in the meantime. We help with his credit. Overmaxed out by a thousand. You are not helping his credit. I promise you that. I didn't know that. I should have read that. Doesn't matter if you know it or not, you're doing it. Ten minutes ago, we found it out. Just found that out. That's... You sent me this statement yourself. Don't look at the statement. That is equally...

57:52I should have looked at it. Also, why is it just not in dollar wise? You would see it all. It's automated, man. Okay. Okay. Okay. Okay. Quicksilver. $7 ,934. $24.89. Minimum monthly payment, $2.66. Aggressive, especially if we're about to cut our income in half. Again, you won't be alive when this card's paid off. And the interest that accrues on this is insane. It's almost like$200 a month. Yeah. I know, that's crazy. Yeah. I don't understand. Just pay some extra on it. No, she doesn't understand interest. Is that what you're confused on? Yeah. it's the I'll tell you later it's not even worth it that's not even like that's honestly not even the critical part of this it's just the fact that you're spending and look at this none of it none of it is making your life better it's actually making your life worse to be clear it's fast food well you gotta eat you don't gotta eat yourself into the grave don't you wanna be around for your kid Don't you want to make it to your high school graduation?

59:04We're truck drivers. What else are we supposed to eat? There's not a lot of room. We can't just go to the back of the truck and cook food. Yeah, but you could at least be even stopping more at healthier places. You're not. This is Wendy's and Burger King over and over again. That's all the truck stops. That's all the truck stops. Have you been to truck stops? I have been to truck stops. You wouldn't say it's the healthiest. Okay, what are you getting there? It says it right there. No, it does not say what your Wendy's order is. Oh. What's your classic Wendy's order? Biggie bag. What comes in the biggie bag?

59:37Junior bacon, cheeseburger. Okay, well, there you go. You're not getting a salad. Ew. Who gets a salad? You need, like, the greasy food to keep you up to keep you driving. Well, that's going to make sure she doesn't make it to high school graduation again. She already went through high school. Oh, she's a f***ing moron. I know you're f***ing. But the thing is, people like her don't make it to mid-50s. Calling me fat again. I'm not calling you fat. You are fat. She's pregnant. She's not fat. I can't say that. Anyways, I got this weight being a trucker. She's a trucker too. I've seen other truckers.

1:00:19In fact, my uncle's a trucker. Not more. I play sports. Yeah, she plays sports. Maybe you should play sports then. That's not you being a trucker. It's you not playing sports. The thing is, listen, why is it people ask, why is that a part of the financial conversation? One, there's three. There's three things. One, they're bringing a kid into the world. Can't change the fact that you're morbidly obese now, but that does increase complications. Two, I want you to be to his high school graduation. At this trajectory, you're not. Three, it's expensive, the lifestyle you're maintaining. Wait, but she eats healthy.

1:00:47A biggie meal is not. That's my order. You didn't ask her order. She's not eating healthy. You don't maintain that. You don't know that. Yes, you do. Everyone does. That's calories in, calories out. Shut up. That is basic math. I'm sorry. It just is. Might be eating healthy, but it's a substantial amount. So you want her to eat salads? I don't know. It's a start. And the point is, number four, if you're going to do the immense amount of sacrifices that is required to pay off this debt, what is the point if you won't be around to even enjoy the benefits? So there's lots of reason we bring up Wade on this show.

1:01:24And five, let's add a fifth one to it as well. If you are healthier, more in shape, you have more energy to make more money to pay off debt quicker. That is basically reality. But you need money to pay off debt. That's what I just said. That has nothing to do with health. Yes. Usually healthy people have more energy to work more to make more money to pay off debt quicker. But we have a set route. So how could you work more? You guys do well. You guys do well financially. But that is an additional argument that can be done. And you have days off, that's more jobs. Okay. It's in-app purchases. It's Burger King.

1:01:57Microsoft Payment. Wendy's. Wendy's. Paying for a U-Haul. Smoothie King, which is not healthy, by the way. Sugar. Each of those is like 600 calories. It's brutal. They are delicious. They got fruit in them. I get a strawberry banana smoothie. I don't see them putting in sugar. You don't see it. No. But it is. You watch them make it. They put sugar in it, dude. Just saying. Timu, Timu, what are we Timu-ing? Baby stuff. Well, you basically Timu-ed the baby himself, so. Yeah. Guess we may as well keep that up. Going in and getting some bullshit. This U-Haul Lone Star boat thing again. What is this?

1:02:46U-Haul, we helped your sister? Twice? Oh, we paid for her U-Haul. Timu, Timu, Uber membership. Thank goodness. Timu, Timu. Okay, we're Timu-ing a lot. You guys are crazy. We love Timo. I know. You're Asian. You went and you got some bullshit again. What's this? Fru-lati. Fru-lati. Who? Fru-lati. No idea. Great. Wonderful. Incredible. How much is it? I have$28.71. Olive Garden. Real healthy. Fru-lati again. Fru-lati. Never heard of it. Good death. Well, someone's doing it multiple times. Yeah. Driving things. That makes sense. Intuit? What the f*** are you paying for Intuit? Doesn't make sense.

1:03:31Because you're not independent contractors, so I don't get it. PlayPass. Some in-app PlayPass thing. CubeSmart, so we have a storage unit for$82? We have two. Why? Get rid of it. Doesn't matter. Sell everything. It's my sister's apartment, isn't it? Why are you paying for it? Because. Stop. She can't. Well, she needs to get a job, and she'll figure it out. She has a job. Then she can. No. Yes. She can't. Yeah, she can. Why can't she? Tell. What? Tell me. She'd rather go out and spend her money. You don't understand what can't is. She can. And you are enabling her just like your parents have enabled you guys.

1:04:19And that's why you guys are f***ing today. Bank of America credit card. Okay. Well, this one. Oh, that's good. It was a good one. But it's not new. Now it's maxed out again. Okay, so who is this? It's both of ours. Are you guys actually on it? Yeah. She is. It's mine. So it's yours. So it's not hers. Her credit is not on it. No. Okay, so it is Jessica's. Very good. $288.25. 13 months to pay off,$25 a month. What's up? This is so bullshit. I can't believe it. You guys just swipe. That's funny. That's funny. That's funny. For your lives. Yeah, nice gum smile. Going in and getting some bullshit. Going in and getting some bullshit.

1:05:04Going in and getting some bullshit. PlayStation. Going in and getting some bullshit. Los Jalapenos. There's the Mexican in you. $66 there. PlayStation, McDonald's, Little Caesars. Going in and getting some bullshit. What are you going in and getting some bullshit at 7-Eleven? Gatorade, energy drinks, water. We live down the street from it. Oh, very good. Buy a ball. Pizza. Here we go. Gamer Subs. Well done. That is your energy drink that you'll be making on the road. You'll be making at home. It is 40 cents a serving with my 10 % off discount code, Caleb. Link in the description below. Just go to gamersups.gg.

1:05:39Get free samples of different flavors. Figure out what flavors are your favorite. Then order those. It's 40 cents a serving. You're making your energy drinks at home and on the road, just like you would make your coffee. It is much more affordable that way. Then stopping in and getting a$4 one like you did there. Bullshit. McDonald's. Leia do right Leia L.I. do right L.I. do right no idea great it's a restaurant it looks like 19 bucks Fuzzy's Conco Carl's Dunkin Charles Philly cheesesteaks you're killing yourself you're killing your money this is embarrassing and you're smiling you're smiling this is a joke you have a child coming in a couple months and this is a joke you're pathetic you're pathetic no you're pathetic I gotta eat gotta eat make a f***ed sandwich George, have you learned your gender?

1:06:26Yeah. I still got to eat. I don't like eating at home. You don't have to. Make it home. Take it with you. I am. You're not. I do take it home. Aren't you supposed to be a trad wife? Isn't that what you want to be? I have to learn how to cook. Do you not know what a trad wife is? I'm sorry. Like, I'm not even advocating for trad wifedom. But if that's what you want, that's what it is. I just want to stay home, clean the house. But you wouldn't even do that. Oh, you're so pathetic. The vacuum? The little vacuum? Yeah. Oh, my goodness. It cleans for us. It's not cleaning. That's just vacuuming. Okay.

1:07:07You got to clean toilets and shit, too. And kitchen. Oh, my gosh. You guys are never going to make it. You guys are never going to make it. How the f*** did you? That's why you predatorized her. She was in the truck. She couldn't go anywhere. She couldn't even figure out what the door handle is because she's f***ed. And then you f***ed her. Oh, my goodness. I know what a door handle is. Wells Fargo. That's mine. Oh, God. Isn't that yours and your sister's? Or just yours? Yeah, I put my sister's name on it when I was younger. Because she would deposit stuff into it. Deposit stuff into it? It's a credit card.

1:07:47You can't deposit stuff into it. I'm talking about my checking account. And don't forget, I want you to be on the next episode of Financial Audit. So go to CalebHammer.com slash apply or click that link in the description below. You'll have a great time and I'm going to roast the f*** out of you. Starbucks is bulls*** and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

1:08:25The number one ranked energy drink is Gamersupps. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it. Or 10 % off your order at Gamersupps.gg. Or click that link in the description below. Type in code Caleb. The credit card's just mine. Okay, well you only made the minimum on this. No surprise to anyone. Well, it was a couple bucks more than the minimum. Do you know what you're supposed to do? Shut the f*** up. No, you gotta pay more. They say make minimum payments. Who says? The app. Yes, that is an option. That is an option. You married an imbecile.

1:09:02But you gotta make the minimum payment if... She's not in charge of the financials. That's very true. She just carries all the cards. She's driving. I know how to drive. I know how to read signs on the road. No, you have no processing ability. Yeah. stop means stop. A green light means go. Got it. I know the gas and I know the brake. Wow, there it is. That's everything you need to know, right? Yeah. $795, it's maxed out. No one's surprised. Four years to pay off. Kid will be four by the time this is even pay off. You made$75 payment, which I, like I said, is more than the minimum, but then I realized it was worthless anyway because you purchased$95 on it.

1:09:42So you f***ed it completely. You f***ed it. Let's see, what do we even get? interest accruing. Bullshit, bullshit, bullshit. Fucking bullshit. Oh, Pizza Hut. Pizza Hut. Thank goodness. Going inside and getting some bullshit a couple times. Pizza Hut. Pizza Hut's good. It's actually not. It's like the worst. What's your choice of pizza? Anything besides Pizza Hut. It's greasy and it tastes like nothing. Are you a Domino's fan? Better than Pizza Hut. What? No. Bro. It's not 2012 Domino's. Nice. So what's your favorite pizza? Well, first of all, not going to be a chain. I'm just going to say that.

1:10:24Because there's a lot of good pizza. And the chains aren't it. Yeah. But yes. We don't have that option. But yes. Domino's, Papa John's, Hungry Howie's, you name it, it's better. Pizza Hut's the worst. I don't think so. Because, I mean, yes, Pizza Hut might taste a little better than Little Caesars. But Pizza Hut, you're paying the same price as actual good pizza places. 7-Eleven pizzas. the best pizza. Wow. Yeah. I understand it. Okay. So you've had a late fee this year. Are you surprised? No. Oh. But I would like you to be. Because that should be a big wake-up call. And it's not a good thing.

1:11:06How much was it? Remember your whole make a minimum payment thing? That's what avoids that. $25. That's nothing. Oh, my gosh. So that's the mindset that gets people f***ing in the show and into bankruptcy and losing their children and their house and their everything. Smile about that. That's wonderful. Yeah, but we got other credit cards. So if we miss one minimum payment on this one, we still got other ones. It's not like it's going to break us and make us. Jessica, I'm sorry. You picked the wrong partner. Just financially. No, that's one of the leading causes for divorce. That's one of the leading causes for divorce in this country.

1:11:40She just doesn't understand finances. We don't argue over money. You have nothing to argue about. You know nothing. You just go.

1:11:49You are... A child. Oh. No. No. This, I'll be honest, I'm more worried for this child coming into this world than most any child. This is actually very scary. You don't understand the impact of what is happening here. The child will not have to worry about money. That's not how this works. They will grow up in a house where he will be worrying about money. No, it won't. That's not how this works. You guys are so ignorant to this. We didn't. We didn't worry about money when we grew up. Yeah, and it set you guys up for so much success. It did. Is that the argument you want to use when we're talking about this with where you ended up?

1:12:26I mean, you're looking at papers. I don't look at papers, so. She just looks at how we live. No, no, no, no. I look at what I got. She needs to go through an education plan, and that needs to be an ultimatum, and if not, you need to leave her. What? Oh. You guys are not going to make it in life. And then I'm me, an actual contributor to this world that's going to have to subsidize you. What do you mean? I'm living right now. I'm going to make it alive. And so is my kid. What did that have to do with what I just said? Because you think that we're not going to make it alive because you're reading these little into papers.

1:13:04I'm going to have to subsidize you. Why are things more expensive? Healthcare, morbidly obese. Why is interest in everything so horrible? People go through bank bankruptcy. No consequences whatsoever. Boom, you guys. Why is everything so bad? Takers. People that will never learn any responsibility because you'll take advantage of every system that has ever existed. I know, but we barely found out about this stuff. And we're working on it. She doesn't care at all. She said a missed payment or a late payment's not bad. Well, that was one. There's a lot of them. Oh. Oh, well, gotta even know that.

1:13:38Pathetic. You guys are why things are bad for those who work. But we work. Yeah, we work too. For now. You already talked about cutting your income in half. Yeah, for when the baby comes. And your income's going to go down, then you'll get more access to social programs that I pay for, and then you'll get more child care subsidy. I still make too much money for a social program. You get your child care subsidy. You're welcome. We wouldn't even know how to go about getting all that. I was just about to say. It's called the standard deduction, and it will be automatic for you because you will declare the...

1:14:09But don't you gotta apply? No, you would show that you have a dependent. I don't do taxes. You don't do taxes? She does my taxes.

1:14:21I've never once done my taxes.

1:14:27Taxes I could do. I think. The IRS will literally take everything from me if I miss$1 in taxes. You guys, they won't even give a... and then I have to give you all my money. It's pathetic the way we've built society to just encourage people like you. It's disgusting. It's disgusting. Mortgage. This doesn't make sense.

1:14:59Okay. You passed three payments. I told you what happened. You make so much money. No, my mom died. So we had... You didn't immediately call the bank of the house you live in. No, we didn't. I didn't know if the payment was due or not. The payment's always due. No, but you don't know when. We just took over these. It's three months. We didn't know the month. Not three days. You call the bank. I don't even know what bank it is. You look in the mailbox. That's what we just found out. Go three months later. What is wrong with you guys? You can't deal with shit. Okay. Well.

1:15:51Shut up. Let me write this down. Shut up before I have to hear your nonsense. You got to write quick. Shut up. I can't when I have to deal with you. Because you're impossible. So you can't do two things at once. No. Well, that sounds like a personal problem, but... Brains cannot adequately do two things at the top level at the same time. Top level? Shut up. Great interest rate. Don't give this up. If you do, it's pathetic. That's what I'm saying. And then you didn't pay. You didn't even call. Shut up! The balance is$53 ,351.09. Do not give that up. Do not let this go to foreclosure. I will kill you in Minecraft.

1:16:30Please. This is such a glorious, glorious thing. in a booming area where you have an equity position. Do not f*** this up. So your normal monthly payment is$1 ,240.31. Do not give up this amazing equity position in a boom area. Do not f*** this up. So we're not moving. No, I mean, well, no, no, no. I don't want you to lose the house. You can sell the house and have an incredible equity position. You can do that. I'm just saying don't lose it to foreclosure. Okay. Why are we passed due on T-Mobile? The answer is always going to be the same. We just took over it two months ago. We didn't know. But two months ago.

1:17:16We didn't know. What do you think would happen? We didn't even know the login. That part is okay, but you can call. Well, we tried to call to lower the bill, and they told us no. So you didn't call to pay the bill, but you called to lower it? Yeah. We paid the bill. F*** off. Well, you want to lower it? Off, guys. Okay, what is this? It's a card that we just got. You guys just got a card loan and you can't even figure out credit cards? We needed a new card. I traded in my truck for it. Why? Because her truck's a gas guzzler. My truck payment was$1 ,300. Okay, so it wasn't a paid-off truck. What's the interest rate on this?

1:18:04I can't see. It's not on the statement. You wouldn't know. There's no way you would know. You know nothing. Not even worth me asking. I think it's$12 ,000. Uh-huh. Uh-huh. What do you think this car is worth that you owe$25 ,082 on? I think like$23 ,000. Okay, it's worth$16 ,000. Is that good? No, it's not good. Asian math failed her this time. $25 ,082? Yeah, but it's worth a cheaper payment than paying$12 ,000. And you know that's the poorest mindset that Americans have? You know that's what f***s Americans? They stretch payments further and further and further thinking the minimum fee payment is all that matters.

1:18:48Listen, yes, this might be better than the truck, but your equity position is horrendous, likely because you rolled over negative equity, either way. But the thing is, that mindset right there is what makes most Americans paying for. It's cheaper. Do this, do that. Everything's cheaper, cheaper, cheaper. Stretching it longer, but then you're stacking more and more debt forever on top of each other. Keep more risk over your head forever. You want to get out of debt as quick as possible. Or try. Especially, but no, you're not. So if you spent more than you made, total try. With every credit card that was there that you spent money on, you spent more than you put towards it.

1:19:19Try, you don't know what the word try is. You've never tried anything in your life. You've never done anything in your life. Like actually, you've never done anything in your life. So you can't say that. You've literally never done anything. You've been a child. And you still are. Minimum monthly payment is$476 ,46. I'm not disagreeing with you on that one, but we are getting better at paying things. No. No. Like, no. Reminder, we also are two months in on doing all this. Oh, my gosh. I know. And that's f***ing. Whatever. Hey, that's my car. Oh, f***. What car do you have? What car do you possibly owe$46 ,227 on your...

1:20:00And you have this. I have a 23 Jeep Gladiator Mojave. Why? Why do you have a$46 ,000 car? Why do you need that? It was cheaper than my other car. Because her scat pack got totaled. What did you just say? Also, your past... Your past due...

1:20:28by four months. What is wrong with you? How do you fall behind? Yeah. How much is it past due then? Four months. I know. What's the number? $1 ,362. Normal minimum is$362. No. That payment is$1 ,300. Oh, so you're, okay. You didn't make the full payment. You couldn't make the full payment. So I see. Your current amount full due is$1 ,725. $20. The regular amount due is$1 ,360. You have$1 ,362 monthly payment on your Jeep? Yep. Yep. No, that's not the number, is it? It's more than the house payment. Is that the number? The number on screen? They did not send me bins. They sent me bins. Actually, let me double check.

1:21:18It should be in the email. Actually, this is for the Jeep. In Jeep, I did not have a Venn. Oh. Oh, dude, dude, dude. You owe 1 ,300 hours a month on a car that you owe 46 ,000 hours on, which your interest is probably like 30 % or something predatory. It's not 30%. What is it? What is it? I think it's like 11 or 12. Yeah, it's still shit. Shut the f*** up. It's not 30. Shut up! 30 is double. Dude, oh my gosh. Why are you still on the previous topic? I'm trying to move on. Are you incapable of having conversations? So, should I start that again before getting interrupted? Okay. Thank you. Let me try this again.

1:21:54So you owe$46 ,000 with a$1 ,362 monthly payment. What do you think that car is worth? I'm going to say 30-something. What would you say? I don't know. A try. What do you think? What do you think it's worth? A lot of money. Okay,$15 ,990. You got predated. No, not for a Mojave. Might be a little more, but that's what we got. But it's certainly no more than half of what you owe. No more. You're, do you guys f*** everything? You're bringing a kid into this mess? This is disgusting. You are easily within the top three highest minimum fee payments ever. But you are easily the most f***ed ever. So this is horrible.

1:22:43And you're stuck. And you can't get out of there. You can't borrow the difference. You're f***ing. We're not even trying to sell it or nothing. I like the car. Oh, good. She likes$1 ,300 monthly payment more than her f***ing mortgage. That's a nice car. Good luck in there. You're f***ing. No, he won't. No, he won't? No, he won't what? That car will be his probably. Okay, I have a shit ton of collections. I'm not even going to. It's just whatever. Listen, I mean, it's all bad. It's about$1 ,000 in collections. Who? Both. No, I think that's you, the$1 ,000. The$1 ,000 added up. Because mine's way more.

1:23:28Oh, yeah. Okay. Okay, who has, I think this is a firm? Yeah. You're affirming your team is. Let's own on a firm. What is this? What is this? This is a different brand. That's Korna. What do you owe on a firm? It's a right there. What's your monthly payment? No, that's your upcoming payment. I think it's like 20. Okay, total you, what? There's three different ones and they're like 20 each. Okay, total of firm owed is$263.32. I'm going to guess. They're all almost paid off too. Almost, but they're not. $53 payment. But it's all stacking. That's where your mindset's broken. It's stacking. So Klarna,$100,$116.

1:24:17What are we Klarna-ing? TVs. No, it's eBay. Oh. TV's multiple? Uh, we have a 100-inch TV. That's already paid off. Why do you have a 100-inch TV? You guys are so f***ed, man. To play Fortnite. You get to see the people really big when they're really far. So you can shoot them. So you can shoot them. What are you doing? We got anywhere from 100-inch to a 75-inch. You know that actually goes against the gamer mindset, by the way. Why? You actually want relatively smaller screens. I'm blind. So you have to analyze better. I'm too blind to see. I need the bigger. It doesn't matter. I'm not considering you guys professional gamers.

1:25:06The Klarna. You guys are so f***ed, man. Klarna is$2.62.98 owed, but your minimum appears to be. That is a lot of papers. Yeah, you're behind on that one, by the way. But either way, that'll be paid off in two payments. Shut up. $1.30,$1.95. Auto pay. Yeah, it says auto pay. Yeah, well, you probably don't have enough in your checking account. Yes, it can when you don't have enough in your checking account. It doesn't get paid to our checking account. Yeah, there is so dust. Oh, you guys are so f***ing. Look, I don't know. Not nothing. I don't know. I don't even know if this is even worth continuing You guys won't be able to do anything You guys are starting from negative Negative knowledge Like it's actually so broken I don't even know what this is Yeah we have negative knowledge What is this?

1:26:02I think that goes with the other one I don't know you have an eBay This is a firm This is another firm Who's a firm? Her firm? I don't have a firm Another firm? no that's the payment that came from the previous okay whatever listen I don't even know if these are debts or not this is such a mess you gotta figure it out seat geek that's a chief skin okay this one's closed it's a closed account of a thousand so this is a collections that I think Jessica has 1326 pathetic okay and now checking account and I don't even have to ask who's because you're a literal child at 31 and it's disgustingly pathetic.

1:26:44You have 131 and you're checking the count. Yes, you probably bounced to one point and had a payment that failed. What? What, you see a cheeseburger? What? Burger King, Taco Bell, went outside, got some bullshit, went some bullshit, Uber, Amazon, Amazon, Sonic. Do you see how you just destroy your body and your life and your finances? It's me. I have the card. You see how you just destroy your body, your life and your finances? Shut up, both of you. You have a child coming in a couple months. Apple Bill, ATM a draw. Who knows where that$100 went? Whataburger, Patreon, f*** off. Ancestry, what, you wanted to figure out if you're Asian or not?

1:27:21Going out to eat,$45. Apple Bill, stopped in the gas station, got some bullshit. Used Gamer Subs. It is so much cheaper and it tastes better. Photo print online. What are you doing? Zelen on money, ATM a draw,$240, who knows where. When is that, got some bullshit. Used Gamer Subs. Amazon. Apple Bill, PlayStation. I think somewhere in your town, Uberin, Amazon, Donuts, Subway, Patreon, Google, Hulu, Netflix, Subway, Premium. This is so f***ing ridiculous. Wait, who else Bank of America then? That's mine. You have two checking accounts? No, it's a savings. Oh, our savings that only went down. That's good.

1:28:00Okay, so this kid is going into a savings collapsing household. and then our Wells Fargo savings went from 1 ,600 to 25. Yeah. Oh, my. Oh, that's more important than our kid. He's going to be taken care of. No, that's not how this works. The world is not just sunshine and rainbows. I don't want to boomer this, but like, that's just not how this works. You will be okay. Oh, wonderful. You hear that, kids? We just took over. No issues. We just took over. That means nothing. You drained your savings to go on vacation. Yeah. That wasn't a vacation. No. What was it? We went to Mexico for my mom's last day on Earth.

1:28:43She was in Mexico? No, we took her from Texas to Mexico. Okay. Well, listen, I can appreciate that more. Because that's what she wanted. Yeah, I can appreciate that much more. I can appreciate that. And you guys make enough money to be able to fund that. So you would immediately, in that circumstance, of which I can appreciate, immediately replenish the savings with the next paycheck is how that works, by the way. So total income, well, it's going to get cut in half, but we'll put$11 ,266 for now for the next three months. But your minimum monthly payments, including the mortgage, is$2 ,217.72.

1:29:20That's not you catching up on monthly payments. That's normal minimum monthly payments. What's your gas, electric, internet, all that combined? All your utilities, how much? two four five

1:29:33five hundred and fifty gas of vroom vroom drive drive both of you guys combined not work gonna be uh 80 for the month for both of you we work at the same place why'd you say that what the but yes but you told me your oh your transportation was that much because you're driving shut oh my goodness. Phone bill. It was in there. It was like$1.25. No, it's$3.89. Pay off your phone. Switch to helium for$15 a month. We have a lot of. Yeah, you need to pay off your devices and then do that because it actually has the same coverage as T-Mobile or very similar. Yeah, but we're paying for things that we don't lose and people.

1:30:14Then get rid of them. Get rid of them. Get them off. You are independent now. Car insurance, how much? $350. Okay, necessary food. I'll do a little more because you're on the road for a little bit of needing to go out and stuff, but$800. You will be meal prepping mostly. Coolers. Like, you just have to. Is this not an option? TP fund? Again, a little elevated because you're on the road, but I'll do$300. That's way too much. You don't, it is everything else. It is toilet paper. It is toothbrushes. It is tampons. It is everything. It is makeup. It is everything. Okay, fine. $200. That's still too much.

1:30:55I think like$100. I doubt it, guys. Shut up. Subscription$75. Medical healthcare, are there co-pays on a monthly basis? Yes. How much? I know I still got to pay$1 ,500 for the... No, co-pays. Just ongoing co-pays. Yeah, I pay my insurance to the, how much is it? $165 every two weeks. Okay,$330. Yeah. Is there a gym? No. Are there pets? Yes. Yes. You guys are truckers. Why? What do you have? A Rottweiler. He's five and he's so adorable. He comes with us on the road. Oh, okay. Pet insurance, 50 bucks. How much for pet food? About 50 a month. Anything else that needs to be in this budget that I've not put in?

1:31:51A little bit more for subscriptions. Go f*** yourself. We have a lot. And his food's on the subscription. I know, that's what he said. I put that in as a separate line item. You do not understand things. She has selective hearing. No, she's actually a moron. Like, actually. Not as an insult. Like, she's actually stupid. It's kind of alarming. No. I just don't know nothing about this stuff. Okay. Needed to survive 309, or sorry, 5 ,091.72. I'll give you$500 in bullshit spending. Congratulations. It's going out to eat, subscriptions, whatever you want. So let's call it 5 ,600. To spend. 5 ,600 to live.

1:32:38Let's call it that. which when your income cuts in half is not going to be much left and you have to cut your bullshit spending. But until then, you have an extra, let's call it 6 ,000 just to be conservative left on a monthly basis. Of which, of that, of the$141 ,935 ,000 of debt minus about 2 ,000, let's call it 400 of collections minus the mortgage of$53 ,351. Okay, so$86 ,184 of bad debt of the$6 ,000. If you maintain it, which I would appreciate, would take actually 14 months to pay off the debt. Then you could get a fully funded emergency fund. So actually, I would do that. I would continue these work hours as much as you guys can, even through the birth, as much as you guys can.

1:33:27If you obviously do things that you have to do. But of those months that you're able to do the kind of work that you're doing now, if you follow this budget, you can pay off your debt in 14 months, which sets you guys up for a great success. Call it in a year and a half to pay off your bad debt and get a fully funded emergency fund. And then at that point, which is six months of your living expenses, at that point, your kid's going to have a great life and you're going to live within your means, which is 50 % on needs, 30 % on fun, which is a lot of money for you guys, and 20 % on savings so you guys can have a retirement so your kid doesn't have to take care of you.

1:33:56What a joke. This is so easy to pay off. You guys make so much money. It's just literal children. It's actually kind of pathetic, Especially with the kid on the way. This is pathetic. The fact that you guys haven't learned anything until 31, 32 is very pathetic. Very pathetic. We're going to call the sister in the post show. We're going to confront her. And then, yeah, I guess you're getting sued and stuff. Okay, we got to talk about a lot of stuff in the post show. Let's get the Hammer Financial Score first. Hammer Financial Score, spending in a budget. Oh, you ever spent? Zero out of 10. Debt, there's collection, zero out of 10.

1:34:24Emergency fund, you drained it to zero. Zero out of 10. Practically retirement, didn't see anything, zero out of 10. Real estate, not on the title yet. can I give a score to that I can once you're on title today it has to be a zero but it will and you're behind on the either way it will go up to a five or six depending where you are on the payment status pretty quick could be a seven or eight if you're actually caught up really well and it has a good I can do position maybe even a nine but today is zero hammer financial score zero out of ten you get yours at calebhammer.com click that join button join hammer elite to get three premium shows every single day six days a week including an extra 20 minutes of this episode called The Financial Auto Post Show, where we're going to call her sister.

1:35:01I'll see you there. Hello. We're talking about you, how you live with us and stuff. I am trying to find a place, but I have not saved anything yet. You as a family are planning a huge trip to Disneyland. I wanted to have some fun. We were thinking paying us dollars a week. Yeah, think about it. I think she's the most person I've ever met. Don't forget the Summer Budget Reset is now live. Get a full year of DollarWise Premium plus my four best-selling educational courses and a digital copy of my budget-friendly cookbook and my exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before, and it's only for a limited time.

1:35:40It is 67 % off everything. So don't wait until that first pool party to get financially ripped. Click the link below. Save big. Claim your bonuses now.