These Illegal Immigrants Are F*cked | Financial Audit

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25:37Head to yrefy.com slash hammer, that is yrefy.com slash hammer, or call 888-973-3978, that is 888-973-3978, and see how a real personal approach can help you escape the private loan nightmare. Because, let's be honest, living with crippling debt until you're 90 is not the retirement plan you dreamed of. Which one? Which one had that? Because it wasn't my YouTube money that did that. Which one accumulated a quarter million dollar net worth? Okay, so who systematically works versus not? Do they have debt? But again, Caleb, you're a guy. Do they have debt? Do they have debt? You're a guy. What does that mean?

26:10I don't know. I don't go into their finances. Then why the f*** are you listening to people you don't even know if their finances are working or not? Because I'm not going to pride in their personal life. But why do we trust that it works? I'm just saying that all of us girls think the same way. A little sexist. No, my clique. My little girlfriend clique. Not all girls. Just my girlfriend clique. Yeah, I don't get that. I don't. Do you hate them? They sound horrible. Well, no, I wouldn't say I hate him. You guys have a click name? The Click.

26:50You're such an ass. Thanks. Like, why are we listening to people if we don't even know if they're successful or not? Like, would I listen to a random person on the street or even a friend? No. Okay. For example, there is actually someone in my friend group who always tries to talk about, you know, what should be done in the world of business, yet he's never built a business in his life. Why would I listen to that person? Like, why would I? I'll ask them about their finances. Like, if I saw them build a successful business, then let's do it. He has experience. He would know what's going on. He doesn't.

27:24So it's like, okay, I listen and I nod and then I don't do the things he says because he has no real world experience with it. Like, you don't know if they, maybe they're complete failures, maybe they're not. And you don't see it on the outside. No one shows it on the outside in the United States. We just put everything on debt And we look like we're living a good, normal, middle class Upper middle class life No matter who you are True Uh-huh So why the f*** are we listening to that? Girl brain versus boy brain This is stupid I don't know It just It works better for me Why would a boy do it different?

27:56Come on, if that's what you're gonna say What's the why? It just When he talks about it And he like breaks everything down Like he wants everything very Rationally instead of emotionally? You're so annoying Like everything. Come on, if you're going to go boy brain versus girl brain. So, manaculously and like he like wants everything categorized and it just. You don't want it categorized? No, I just want to know like. Housing should be in the same category as going to McDonald's. What? Housing should be. You're annoyed that he categorizes purchases and expenses. So, that's why I just want to know like what needs to go out every week and what needs to like be set aside for future.

28:34But you don't want to know to what? And also weekly doesn't matter. Again, this isn't boy brain versus math brain. Let's say, what's your rent? $1 ,850. Okay,$1 ,850.

28:47Divided by what I'm going to round down to as$6 ,000, not$6 ,200 on a monthly basis. Okay, that's 30%. Now, there's usually four weeks and a month, right? Do we agree on this? Yes. Do we agree on this? Colton, may I have a whiteboard? I just, I really want to draw out what a boy brain thinks. See what I have to deal with when I'm doing a budget? Yes, I would divorce her immediately, even though you're not even married. He's not married, so he can't divorce me. That's what I just said.

29:21Okay. So there's four weeks. Here's a week. Oh my God. Here's a week. He's already doing it wrong. Here's, I'm doing it wrong? Yeah. How am I doing it wrong? You don't even know what I'm doing. And it's horizontal. These are four weeks, right? Okay. Okay. Do we agree? Sure. One, two, three, four. Yippee. We figured it out. Now, if you're budgeting weekly of what money goes out on a weekly basis, well, fun fact, rent hits once. Yeah, there it is. So that's the first week. rent is 30 % of income. If we're budgeting weekly, each week is only 25 % of our income. That means this is because this is already overfilled by rent.

30:17You can't budget weekly because it's already gone. It's done. It's obliterated. It's ruined. You have to budget monthly because if you budget monthly, rent is only this. And then you can figure out what to do. You're weak. This doesn't make sense. You can't budge it weekly. See, again, this is what makes sense to you. Okay, girl brain math. Erase this and do it for me. So. Girl brain. Girl brain. Girl brain your face. What does that even mean? I don't know. Okay, so the way I like to do it is. Yes, the girl brain method. Gotcha. Okay. We went horizontal, yeah. So I like to think of everything that's going to come out this week.

31:03And. Well, can you explain what everything is here? I explained what everything is. So I get. So you can follow. Sorry. Mortgage. The. What are the lines? This is one week. One week, two weeks, three weeks and four weeks. OK, so there was no line for the fourth week. That's interesting. Oh, my God. See. I just want to make sure I'm following along. You're just like him. I'm just. What? You're so annoying. What the fuck are you on about? Anyways, so whatever needs to come out this week, I need to know what monies we need here. And then what's left over. And then whatever monies from left over here, I need to know what needs to go on the next week, the next week and the next week and what's left over for each week.

31:45And I would love to have whatever's left over here go to the next month already. But it's not possible. No money would be left over. I want to build it up so that we can have money left over. So that's the thing where I get annoyed with him because I'm like, okay, you're telling me that this money is left over in the account. Your budget isn't savings. A budget is just like the money going out that is in. Huh? I know it's not savings. Then how can you only spend half of the first week when your rent is 30 %? I don't know what you're saying, but. What? If rent is 30 % of your income and each week is broken down to 25 % because you get paid weekly.

32:23This is what? You, like, guys, like, mentally cap yourself because you're like, oh, we're already, like, here. What? I'm just confused. We're already here. We're already spending all of this money. I'm like, no. Maybe I'm mentally capping myself. Can you ask? Can you answer me how this works? You need to start building your money. So, you're talking about reserves. You're talking about savings. Yes, I need to reserve. Savings isn't budgeting, though. Are you going to let me talk? Yes. Reserving money and then having money set for the next month's bills already. So I need to have everything for the next month already.

32:55Every month. So right now, I want to have everything for November already.

33:02And then after that, once we have money left over, and I know that we're going to have everything for December, then I know that we have savings and that needs to go into a different account. Brought in less than$6 ,000 and spent eight. I don't think what you guys are doing is working. Why are we, what's your thoughts on this? You're not saying a thing. Because what the f*** is, what am I witnessing? It's because I'm still trying to understand her method. We've had this conversation over and over and I still don't understand her method. I kind of get part of it, but she's moving ahead to the next month when I'm still trying to figure out this month.

33:39I mean, she's, listen, when we're budgeting on a monthly basis, what a budget actually looks like is you say, we have this much money to spend or well the expenses are this and you tell your money where it's going you're talking about reserves yeah you don't even know what's required on a monthly basis because you won't do a budget and figure out what categories are when you're not willing to cut down and break down where money is going on a category basis you can't know how much is required for the next month cut down if he tells me like no no no no no breakdown you're not willing to see where money is going on a category basis.

34:14So you can't say what November costs to save up for in the month of October. I will say it's hard to stick on a budget with three kids. What do you mean? Are you telling me people with children don't budget? No, I'm not saying that. Shut the f*** up. This is more expenses, but you have to choose. I mean, I don't expect you to understand you don't have any kids. No, but I have a budget. You do not. I have money. You do not. I've been successful in life. You have not. You are 32. and you are further behind than I was at one. And that's okay. That's a weird, like, I mean, you want to brag, that's fine.

34:52It's not bragging. But if you're going to say, I don't understand because I don't have kids. Oh, I understand numbers, big guy. No, I'm not. A child is not needed to be involved to do a budget. I'm just saying it's harder to stick to the budget when there's kids involved. No, because you just have discipline, big guy. Like, everything seems, you know, easier on the outside. Like they say it's easier said than done. Everything is easier on the outside than not. But if you have a little bit of discipline, you can commit to any realistic budget and you can follow it. You tell the money where it is going.

35:24If you've overspent on a category, you tell them, no, we cannot go to McDonald's today. I will say my kids were not very used to being limited. First of all, a 12-year-old and 17-year-old can handle a conversation saying, hey, we don't have as much money right now and we're trying to fix some of our mistakes. I wish you met my 17-year-old. Okay, then your 17-year-old's a piece. But what about for, like, spores? Caleb! He's 17. He's basically an adult. She is a child. She is a baby. She's living the TikTok frontal lobe 25-year-old life. She's almost 18. She can have independence. It's time for the military at 18.

36:00And she's being a dumbass? Want to know a dirty little secret? And no, I'm not starting an only ****. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use DollarWise. It shows you exactly where your money is going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get six to try for free plus three months for just$9.99.

36:34So you can finally take control and see what your money's been doing behind your back. Click below to get started. No, she's not. She has a job. She works. She pays for a lot of her own stuff. I don't understand. She's not someone I would want to have in a workplace if she can't handle a conversation about needing a budget. If she is that immature of a... Then I don't want to hear... We are going to fight. She needs to handle. She needs to handle conversations. If she can't handle... Dude, she's about to literally potentially go to college and live on her own. If she can't handle a conversation about how her parents need to come back, then I don't want to hear...

37:08I wasn't saying now. ...about her. I wasn't saying now. I wasn't saying now. When we first met. No, no, no. You just said, I wish you could have heard a conversation with my 17-year-old. When we first met, it was harder to tell her. No, she was only 12. Okay, congratulations. It's not six years ago. Okay, you're right. I don't give a f***. I really don't. She now understands better. When I lost my job, I sat down. Okay, then there's no issue. You're right. When I sat them down when I lost my job and I told them, hey, things are going to be a little bit tighter. They understand. And they do tell me.

37:37Now, why the f*** bring up it's harder to budget with a child and they can't handle that conversation? What are you talking about? You're backtracking real quick. I said earlier, this is why we build up. Why do I care about earlier? Because this is why we build up debt. What? Dude, I'm talking about now. You guys are saying it is harder to budget with children. It is an extra thing put in there. Of course, it's a little. The more and more things you put in there, the harder it gets. That is an objective reality. That doesn't mean you can't. You're right. So what are we talking about? They're very active.

38:05You know why it's hard to budget? Because the two people that are supposed to be budgeting together can't agree how to budget. Can't agree on how to spend money. If there's bonus money, you blow it. You know all the numbers, even though you don't, because we talked about it and you didn't know what the f*** was actually going on. And then she's just out there doing whatever, not even being involved. So that is what I would say makes it harder to budget out because you have children. Well, I will say since they're active, they have tournaments and such. So when they have things going on out of state.

38:33That's in the budget. You're right. if I was involved in the budget. But when it's like things that they have going on, I just say, okay, yeah, we're going. We're going to California. We're going to Vegas. Then you're a bad mother. I want to be there. I want to go to the competitions. No, budget it in. You guys make money. You guys also have debt. How much debt do you guys have? Yeah.

38:57Over$100 ,000 of debt that's not even the house. Literally. wow $130 ,000 of debt that is not the house. That is not the primary mortgage. I didn't think it was that high. Yeah, I didn't either. Oh, good. I'm glad we know absolutely nothing. Listen, you, I understand because you don't know a single thing in this world. I don't know how you've survived this long. You, you look at the numbers. How the f*** do you not know? Isn't our goal to pay off the debt? Apparently not. Not if you don't know how much debt there is. It's difficult. You'll probably see once we start getting into finances. I kind of, she ran her finances one way and I did mine.

39:38I mean, you already saw. But obviously, you know, like she has her credit cards. I have my credit cards, you know. She ran what? She has her credit cards and I have my credit cards. And, you know, they're not all joined. But you don't communicate about the overall spending? Because obviously we have to put money towards the credit cards when it comes to paying minimum monthly balances at a minimum. You guys just don't talk, do you? I mean, we tried to, but like when she had a job, she had like some money from her paycheck put into her own account that I didn't have access. And I would just pay off my own credit cards.

40:09And she would tag on her credit cards. I mean, you guys aren't married. Maybe you should do finances separately for now. We are not married, so. Okay, so she wants to get married is what I'm picking up. But we can't, like, I'm just asking for the simple thing. Wouldn't it make more sense? So just get married six years in. We have a kid together. See, Caleb says. The kid was his, right? It makes sense. I just don't see the point. Well, I already gave some reasons. Yeah, but it's like, I don't know. Is it? Tax pennies? I don't think it's necessary. I guess 100 % necessary, but it makes complicated things a little less so.

40:40I already gave him a daughter. Gave him. Okay, interesting.

40:48I mean, we could probably talk about that later. What, the kid? No, marriage down the line. Why? I mean, I don't understand you're blaming her running up on credit cards, but you're running up credit cards as well. Someone ran a train on her before. Now there's a 17 and 12 year old that apparently we can't have a conversation with. Like, if that's just what we're blaming things on, like, I don't get it. Can't have a conversation with them. Yeah. See, he wants me to be financially responsible, but I'm not his wife, so I don't have to really listen to him. You're his partner, though. Come on. You guys are acting like life partners.

41:23I'd be okay if you relatively combined at least overall aspirations, even though legally you don't have those protections that would protect you afterwards. Dude, just get married. Why not? You don't have to do a big thing. Just do it for the protections at a minimum. Just protections. What scares you? What scares you? What scares me is that she's going to want a big wedding. Oh, my God. That's not even true. No, no, no. Do that in a couple years. Just get the legal protections now. like go to the court and sign papers? No. Oh, okay. Well, maybe you're right. But I was saying like, his mom has a really nice big house.

42:02I was like, just do a backyard wedding. Like, I'm not even asking for like a big thing. Yeah, but you guys don't really have money to do that. But we can get padrinos. Okay, nobody knows what that is. Godparents. Well, it's not a... Godparents, what the f*** have to do with you not spending money? It's not a Mexican thing. It's like a Mexican thing. Like you ask for like, um, basically financial help. Yeah. To help you with certain things. That'd be great if they can, who knows their financial ability or if they would even want to, but I do, will they cover a hundred percent? Oh, I mean, you don't have money.

42:35You're overspending your, how much retirement got? Uh, right now because I taken it out. Oh, that's a giggle. We're giggling at that. She's giggling. Hey, your future wife is giggling at the fact that she took money out of her retirement. I lost my job three times and that's why I had to take it out. Stop getting fired. I'm not getting fired on purpose. Well, does anyone? I guess that's kind of quiet quitting in a way. Yeah, that's a trend, but that's not what I'm saying. Well, it's an old trend. Now it's quiet firing. I had some really bad things happen in my life. Some family losses and unfortunately affected my job performance.

43:12And that's why. Three times? Yes, three times. Unfortunately, my mom and my baby sister passed away one year apart. yeah it's fucked up it's fucked up and I'm sorry but I was probably not the best employee I'm not gonna lie well I mean knowing this and your lack of communication with the person you want to marry I highly doubt you communicated with the boss of what you're going through and I mean they will give some grace most normal bosses will give some grace I definitely did but not permanent grace I asked for a couple they literally asked me to go back like a week after my losses and I'm like I need more time they're like what were your jobs not the companies just like what was the like job The first one was at the financial credit union.

43:52The second one. Okay. So yeah, it's a credit union. You're right. They're going to be more corporate. You know, you got to do the job. They can replace you like that. That's fair. That makes sense. I understand it. That's not how I would run a business, but I get it. Okay. Next one. The next one was administrative assistant. Well, yeah, they kind of need that almost like 24 hours a day. So I also kind of understand that one. What again, would I do it? Not necessarily, but I understand that you're gone. Yeah. And the second one was my, was my baby sister. so that won't really affect me. Well, yes, I get that.

44:21I understand it, but I also understand the job. Yeah. Like, they can just go get someone in, like, two seconds. No, for sure. Okay, and the next job was? Well, the latest time was because... I know, but what was the job again? It was just processing, like, back... So, you're about to make a trade based on a friend's text. But which you do you listen to? Is 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.

45:07Again, an easy one to replace. So I understand why they would want someone in there who's just going to do the job, even if there's tragedy going on. Sucks, but I do understand it. there's so many things to talk about okay but I just I have to get into these finances I'm just my big concern is we're getting these finances but we haven't even come close to any kind of resolving of just how you guys view budget because if you guys we can walk out of here understanding the debt and where the spending is but if you guys are not aligned on how to budget and how to communicate there's no conversation you guys are I will I promise if we have a good plan and a good way to get out of debt after this.

45:45I promise I will start. Girl, you won't even monthly budget. I'm saying I will start doing it. I tried to get her to do a budget for this month and she fell through. She didn't do it. I told her before the previous month ended, like, hey, can you work on it? That way you can put in things that you want to do or if there's certain things that you want to spend on that you can put it on there and so you know how we're going to be for that month. and she couldn't do it. And now he wants me to ask permission every time I spend. Oh, the permission thing gets a little weird and not the marriage or the dynamics is a little weird.

46:22Because you're an incredibly untrustworthy person when it comes to finances. When it comes to finances, not saying you're going out there and taking dick every day. I'm not saying that. Neither is he, I don't think. I don't think he's taking dick every day either. I don't think you are either. I'm not taking dick every day. I'm giving dick. We'll have to ask your partner to confirm that, but yeah. She'll confirm that. And also, we have fun. We have fun. I'll tell you that. But also, yeah, money is trustworthy. So I understand that. And then it gets a little maybe over-controlling, where it's like permission for spending.

46:58It's hard, it's hard, it's hard, it's hard, it's hard. Yeah, for sure. I'm going to go three, two, one point on point. I want you guys at the exact same time to give me what you think your financial score is, zero to 10, zero being the worst, 10 being the best. Okay? Okay. Three. Trace. Dos. Uno. Five. One. Almost at the same time. You're... Why? Again, why five? Why do you think you're middle of the road? Caleb, what F you, okay? I think everybody has debt. Okay, that's not true. But yes, Americans love debt. I think that... I really think that I try not to spend as much or try to, like, do everything I want to do.

47:41So I try to hold myself back and not spend as much. I think she lives in a very optimistic world where she thinks that, you know, everything will magically just work out itself. Like she doesn't care about the numbers, like what the numbers are showing. She just think everything is just going to get resolved out of nowhere. Magically. Eras Rita Suara. No, you said it wrong. But I was close enough to get my point across. I don't speak terrorist.

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49:26But most importantly, go get your free Hammer Financial Score and see where you stand in the world of finances. Take the assessment at CalebHammer.com. You will not regret any of these. Change your life today. All right, ladies and gentlemen. Excuse me. I don't know. That could have been full Al-Qaeda. I don't know what's happening. You know I'm Mexican. I don't know what other languages you speak. All I know is I got a little intimidated, okay? That's all I'm saying. That could have been what they chanted before the fucking plane hit. I don't know what's happening right now, okay? That all sounds gibberish to me.

50:00You are gibberish. I am from West Michigan, where I saw approximately two people that weren't white my entire life before coming down to this diverse location. Oh, I looked at you from Texas this whole time. Nope. If you watch your financial score, Hammer financial score, trust me, you're probably not a five out of 10. Unless you're doing halfway decent, then you'd be getting up there. See where it is. See where you need to do better. See where you're already doing pretty okay. See where you're completely f***ing. CalebHammer.com. It is free. And if you don't want to be like a guest who ends up on the show, So download the DollarWise budgeting app, sign up for your free trial, and if you like it, you can sign up for the annual version to save a ton of money.

50:37And when you do only for a couple more months, I will personally sign my budget from the cookbook and mail it directly to you, dollarwise.com. Okay, here we go. We got our chunky one at the beginning. So yeah, I mean, on your record and when people do employment searches, I mean, your record is going to show firing on a lot of the employment databases. basis, if they marked it as such, they will see you as fired for performance. How are you going to get another job? I don't even know. I'm concerned. Three firings? Unless they're not marked as firings and it's like layoffs, stuff like that. Okay, that'd be different.

51:14But straight up, fire? I'm not sure, but I've been very lucky getting higher. Yeah, to what wages? Because these don't sound like, you know. My last job was probably the worst one that I had. I was making like 19. It's going down. Yeah, 19. Phoenix ain't cheap, but you guys together. It provides. It provides. It's not bad. But of course, on your own, I mean, I don't know. But$7 ,787 out of the gate. Chunky as f***. Of course, you guys couldn't send a statement because people don't know how to use f***ing thing. Who has this? There was no statement for that one. There always is. Who has their phone?

51:54No, there's no statement. There is. Who has their phone? There is. Yes, there is. There always is. There's no such thing as not a statement. There's not a statement. Dude, this is Discover. They have statements, you dick. Look at that. Pull it up! Statement summary right there. It's coming up. It's loading. Your Wi-Fi sucks. It's literally loading. See? I believed you. I didn't think it wasn't literally loading. But that one... I sent my Discover in a statement. There wasn't a statement. I don't know if you want to look at it, but there wasn't a statement. That's why I asked for it. Because if you can see on the screenshot...

52:27What's your normal minimum monthly payment, big guy? Okay, here it is. $156. $156, yeah. Wow, that's never going to get paid off. It barely came up, right? Because I barely did that. So I clicked view statements. Oh, yeah. Then I clicked September. And then there's the statement. At the time I sent it, there was only the screenshot. That was a very difficult thing. No, you couldn't do the previous one. Fees,$370 of fees. Was this a transfer? Yes. Dude Chunky Why? Because we couldn't afford to pay it Oh shit Can you even afford this? Well we At the time we couldn't So This is when she like Lost her job So like we weren't gonna like We were gonna take the cut This is why a six month Not having an emergency fund Is an emergency You never know when you're gonna lose a job You never know when you're gonna be pregnant And at the same time You never know when that's gonna happen And that is very That is a scary combination lady.

53:26Then all of a sudden you get fired from three jobs in a row. So I had to do that balance transfer. It's not like I wanted to, but I had to do it because we weren't going to be able to afford like all the bills for the next month. So in order. I mean, I would have called first and like asked for hardship due to a layoff and they would have put you at like a low, like 1 % rate thing for a little while. Usually they're pretty lenient. They would have done that for maybe six months. Instead of taking this massive 10 % fee out of the gate, you just got, well, not 10%. Let's see. What did we get hit with?

53:54Can we do that with Discover now? They said it was 5%. Yeah, 5%. You just got hit. That wasn't 5 % accruing. That was 5%. But now I got 0%. For a second. Which is going to make up for it. For a little bit, if you called, you wouldn't have had an extra fee, maybe 1 % and lower payment. Well, it doesn't matter. It's transferred onto a 0 % card. But again, it was just to make room in the budget. It's not even a full year from now. I don't remember if it was 10 months or 12 months. 10. 10? Which is not less than that. So it's a luckily, I mean, it's not accruing deferred interest, but this thing's fucking chunky, dude.

54:33This is a huge debt. Decades to pay off. Decades to pay off. Minimum monthly payments only without purchases. And that's if you don't purchase, because you do have a little room to purchase. $1 ,713 of purchases can be done. That's crazy. Now, why did you rack up that credit card in the first place? They had to be transferred. Because here's the reality. You weren't racking up that credit card when you were laid off. You transferred because, well, not laid off, fired. So a lot of the balances, I like to give gifts. So when Christmas time, birthdays come around. $7 ,787 of gifts last Christmas?

55:12We've also, you know, taken trips. Last year we went to Miami. Not without an emergency fund. That makes no sense. That makes no sense. I mean, it made sense at the time. I mean, it does not. It never makes sense. Nothing makes sense about spending fund money when you do not have an emergency fund because look where we are today. You just ate 5 % like that because you didn't have an emergency fund to cover your payments for six months. But it was to go see Lionel Messi. I mean, I don't know if you're familiar with him. In Miami FC? No, it was, was it Copa America? Yeah. Yeah, it was like international.

55:47What did you just say? American Cup. Don't intimidate me again. American Cup. That's just the name of the competition, but it's an international, so it wasn't with Miami. In Miami? But their soccer stadium is about a thousand years from downtown. It's football. But they don't go to Phoenix. Like the World Cup is coming up next year, so. You know who invented the term soccer? Maya. No. The Mayans. No, the U.S. The British. Oh, I don't know about that, but the Mayans started at first. They still call it football. Yeah. They still do, but a lot of places call it football, soccer. No, only America does.

56:23Nope, that is not true. That is not even close to true. I believe it's Australia, many Asian countries. All of the Asian countries that I've listened to. I said some Asian countries. Dick. You're the dick. Yes, I embrace it. But yeah, that's, I mean. Okay, that was 100 % necessary when we didn't have an emergency fund to cover ourselves when an emergency happened. And now an emergency has happened. She had a job at the time. I didn't think. Well, but you didn't have an emergency fund. That is when you build an emergency fund. You don't build it when an emergency is happening. and that's when you spend it, you dumb.

56:53Like, what do you think an emergency fund is for? It's an emergency. Well, there was still room in that credit card for an emergency. Oh, my f***ing credit card? And look where we are today. You just had to transfer because you can't cover the minimum of the payments. But now the other one's zeroed out. So now that one's the emergency. So in case something does happen, that one's, you know, free. It's ready to go. Free and ready to go? So that's what it is. So we spend it on an interest-accruing card now that we're f***ing all so that we can see messy? I mean, I'd say it was worth it. No, because now you guys are literally dying, and I'd say your kids are more important than Messi.

57:28Yeah, I would say that too. But, I mean, you have to see Messi before he retires. It's just a must. To be clear, your future three-year, the three-month-old, when you see this in the future, your parents prefer Messi over you. No, she wasn't even born then. Yeah, she wasn't born. 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. Like 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.

58:09Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. Dude, was she pregnant? No. Okay, well, the 17-year-old and 12-year-old, when you hear this tomorrow. Yeah. They have their dad. Okay. The United States, Canada, Australia, New Zealand, Japan, South Africa, Papua New Guinea. They call it soccer. Oh, my God. All right. 90 % of the world calls it football. You don't. Yeah, because they're too hard to afford anything other than a ball. You're an idiot. A lot of. Good one. A lot of places play other sports, but mostly they call it football. Well, yeah. I mean, cricket in the places where they like to eat crickets.

58:55So stupid. Sure. Sure, Caleb. Can't eat cows, so they try to get their protein somewhere. I forgot you don't follow sports. I heavily follow sports. What are you talking about? Apparently not. Patriotic sports. Freedom. NFL. America. I just, I mean, I don't get it. I mean, you're wearing a Japanese something where they call it soccer. They call it football. I've listened to Comcast. They call it football. You've listened to Comcast? Yeah, like when they're the announcers. Where they're commenting. Commenting. Commenting. Commenting. I don't know. Oh, footballer. That's what you hear? That's what you hear.

59:38Oh, they call it football. You're an idiot. How have you not gotten canceled? Seriously. I'm unconsable. I'm full goon to the max every day. If you're full goon to the max and everyone knows you're a goon, no one gives a f*** when you're a goon. Also, we're done with cancel culture. No one gives a f***. Pearl Clutchers, TikTokers, Redditors, they have been shunned to the edge of society. Sponsors don't care. The real people who are not terminally online don't give a f***. There is no cancellation. After they tried to cancel Eminem, I was over it. Dude, they should have canceled it like 50 times.

1:00:07It doesn't work. No. Why would it? I don't have a bunch of pussies in the audience. I do love your hair, by the way. And I really don't like yours. So PayPal credit. This is Natasha. Oh, my God. I just have a note. I just have. Yeah. Yeah, because there's no statement. So he wrote it on a piece of paper and printed it. 4 ,500. She does not have the statement. Can you pull it up on your phone? No, I got blocked. What is wrong with you? What is wrong with you in every way? Are you going to let me say it? Well, I really like hearing you not talk. So I try to interrupt you, but I'll give you this moment.

1:00:41My God. So I got blocked from that one because I was not able to make the monthly payment because. Well, we could go to F*** Ami. No. Not your tits. Because when I made a purchase, I don't know how or why, but apparently it opened a debit card instead of what was my credit card. And it charged that. So I had no idea. Yeah. No, no, no. What? They opened up a debit card instead of a credit card? Yeah, so I had my credit card already. And then somehow I charged up a debit card with them. I didn't know I even had. Charged up a debit card. What is she saying? Okay. I don't know. So that's one of the accounts that she handled on her own with the money that she was getting on the side to her own account.

1:01:27So I have no idea. I do remember just seeing statements about it, like past due. And when I talked to her, she said she was going to take care of it. But that never happened. Still confused on what you're trying to say. I'm really, really confused. So I was on PayPal. I was making a purchase. I'm sorry. Listen, here's the reality. Here's the reality. When you set yourself up as being the arbiter of girl brain versus boy brain, you are going to make us as a country repeal the 19th Amendment, you being the arbiter of women. I am not the arbiter of women. By far. You're really trying to forgive me.

1:02:04By far. Please follow Jessica Crocker. She's better. Do we know Jessica Cocker? Isn't she one of your representatives, Texas? It was at this moment that he knew he fucked up. Oh, Jasmine. Sorry. Jasmine Carter. You don't even know the people of the... She is not my representative. Not my representative. Oh, well, sorry. I don't think. She's Texas. Isn't she Houston or something? I don't know. I don't know. Continue. Okay. Well, I was making a purchase on PayPal. Then when I went to check out... Secure tickets. When I went to go check out, it charged a debit card with PayPal that I had no idea I even had or was a option.

1:02:48While at the same time also lying to him about the overall price. No. You lied about the price? Yes. No. She didn't tell Oscar the full price of the tickets. Yes. What the f***? Like, seriously? I'm sorry. It's just I didn't get to see her the first time because my friend was getting married. so this time I really wanted to go see her and I just wanted to secure the tickets and I wanted floor tickets. So I had a great time at the show but I mean Yeah, it's Shakira. She had set a price and I was like, you know, okay I got to see Messi so you could see Shakira. Messi doesn't shake it like her. But I didn't know she had lied about the price.

1:03:32I mean, so how much was it? Sorry. How much was it? For all three tickets, because we took my daughter, it was$4 ,500. What the f***? That's way more. That's insane. That's way more than what we had agreed. And I was pregnant. That's insane. What the f*** is wrong with you? What did she tell you it was? It was two? Two thousand? Half? More than half! But it was Shakira and I don't know what I was going to be able to say. Shakira! Hips on my. You're serious? It was four grand? You're a liar. Yeah. Sorry. But I didn't get to. She doesn't give a fuck. Dude, why? I'm sorry. I'm sorry. Listen, you seem like a fun person to go to the bar with, but not a fun person to live the rest of life with because you're a liar and can't communicate in any way whatsoever.

1:04:31This is the only time that I. Why the fuck? Are you with her long-term partnership? I would agree. A friend, maybe you stick it in sometimes. Friends with benefits, I'm okay with that. Life partner? Why the f*** are you choosing this one? God. Oh, she let her roll the collections. Yeah, that's right. Okay, great. She's a f***ing champion. Hero. Hero of us of all. Hero of all of us. The f***ing speaker of all women. No, I am not. I am not the speaker of all women. Please do not. Girls think this way. Boys like you think that way. Yeah, so I did see the statements coming in And I kept telling her and telling her and like, she just never like, you know, she never took care of me.

1:05:06She's a strong, independent woman that can't be strong or independent. Never said I was an independent woman. Yeah, that's as clear as day. It wouldn't last a second. You did a year on debt. I did not do a year on debt. You literally said you were putting it on debt sometimes. Like once or twice, not like all the time. Once or twice is living it on debt, dude. Oh my goodness. You couldn't live on your own. So this is in collections. There's no minimum payment. anymore. I have no access to it. I have no idea what it is, where it is, nothing. It's up in the air. It'll give herself magically. That's her way of thinking.

1:05:45I'm sure it's going to come back and bite us. I don't know. I tried calling them and I told them I needed access to the PayPal account so I could make payments. They were like, okay, let me get you over to PayPal. I'm like, am I calling already? I will say this for what it's worth. PayPal phone support is absolutely horrendous. Me just trying to log into my PayPal sometimes is... No, PayPal is horrible, but... I tried. I promise I did try. Okay, this is what I'm getting. This is what I'm getting. I'm getting this from Colton. He's engaged to, may we say, a hot Colombian man. Like, Vera, he puts...

1:06:22Are you Colombian? No. No. You're kind of Colombian. What the fuck? Okay, you're kind of Canadian. You're from Michigan Exactly Yeah I got poutine On the breath dude But like He's like He's like you But hotter And And they love Shakira Yes But they would never Pay that much Stop lying Stop lying He would have gone He would have gone Stop lying And he met Shakira So he doesn't have A reason to go Well yeah He's done Apparently he's like Best friends with Trisha Paytas I didn't even know This blows my fucking mind Like every day I learn new pieces of lore That is crazy But Okay But not even they will go Sorry They're full like The nose Colombian Damn Again I had fun at the show but Not knowing how much it was See and he was happy Not knowing how much it was I was at the time Not anymore Ladies and gentlemen You know him You love him from the Hammer Squad in Hammer Elite.

1:07:28We have, you can come here, a, the native Colombian himself. Oh, yes, he is. I need a Colombian score zero to ten from Mr. Rico? Oscar. He is not Colombian. A Colombian score zero to ten. You can ask a few questions then give him a score. Zero is no Colombian, ten is full Colombian. Full Colombian. What part of Colombia are you from? Medellin. Okay, he has an accent, one point. What's your favorite Colombian food?

1:08:02That's a lot of thinking. Minus one point. What's your favorite part about Colombia? My favorite part? The places. The people. That's minus one point. Now, the Colombian accent is known to be one of the best Spanish accents. Can you give me a few Spanish words? I just know chimba. Minus one point. He's already at negative two points, Caleb. So is he a zero out of ten? Don't they say marica too? He's a negative two out of ten. One more. Soccer is a big part of Colombian culture. Who's your favorite Colombian player? James Rodriguez. He gets one more point. That's like five points. What's his overall score?

1:08:36Zero to ten. Negative one out of ten. Negative one. Okay. If you want your Hammer Colombian score, go to calephammer.com forward slash Colombian. Shouldn't Colton be like the score? Colton takes Colombian dick. He's not a Colombian. Okay, never mind. I don't want you to score that. Okay, so I guess I can move on if we don't have that and we don't know where it is right now. I'm sure it'll hit your credit collections at some point. What's Desert Financial Credit Union? Okay, we have a credit card with credit union. This wasn't fucking transferred. It doesn't look like. Purchase$43. What are we purchasing on a car that we cannot fully pay off that is accruing interest?

1:09:13Why the possibly wife? Ooh, I don't remember what we purchased on it. Is this yours? Yeah, it's mine. I can't remember. I might want to say it was a visit to the pediatric. What? The pediatrician. A copay? Perhaps. Oh, the$43. Why is the balance so high? What's going on with this card? Well, that's one of the ones I transferred over to the Discover. And there's still a balance. Yeah. F*** me. Hey, this lower balance now of$4 ,330.01, that has a minimum payment of$114. How long does it take to pay off if we do minimum monthly payments only without any purchases? Like 10 years? How do you want to say?

1:10:01Like 10 years? 11. Yeah, 11. 27-year-old. 28-year-old is what your kid will be. Is that what you bought the robot on? The secret robot? Yeah. What? What are you buying? robots. It was a cleaning robot. The secret robot. Yeah, it's a cleaning robot. They're not$7 ,000. It wasn't that brand. No, it wasn't the full amount. That wasn't the full amount. Are you guys like known for being very good at cleaning? When we get paid to do. I know what else sweeps and mops. Women! Fuck you. In fact, today is Thursday. There's a few of you in my house right now. getting to work. It does help a lot because it's so dusty so it does help like cleaning.

1:10:52So I got it because knowing that the baby was on the way and then we have dogs. I don't want like, you know, the dog hair flying all over the place. Oh, Chipotle. Bad Mexicans. Bad Mexicans, guys. This is bad. You may as well have just gone to Taco Bell. What is this? Oh, Chipotle is good. Tex-Mex to the core though. It's good. It comes in. It is good. It's just, oh, you've had a late fee this year. Did you know that? Yeah. Did you know he's had a late fee on his credit card that you want to combine? Nope. In a husband way. What's your thoughts on him having a late fee? Not going to say anything because I probably have some too.

1:11:30No, what's your thoughts? That I have some too so I can judge him. You ever meet someone in. The Burlington Coat event is back. Buy 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 burlington.com slash coats for details. I think, wow, that person definitely moonlights as a haunted corn maze actor.

1:12:07No? Just me? Well, it's that time of the year again when everyone is hiring for wild holiday jobs. Lead elf, real bearded Santa, snowplow operator. If your job requires a CDL and jingle bells, you need the right person fast. Whether you're hiring for one of these roles or any other role, the best way to find the perfect match for your role is on ZipRecruiter. Right now, you can try it for free at ZipRecruiter.com slash Caleb. You can see how many job seekers in your area are a fit for your role right away, and their resume database lets you unlock top candidates info instantly. It's no wonder they are the number one rated hiring site on G2.

1:12:44Let ZipRecruiter find the right people for your roles, holiday or not. Four out of five employers who post get quality candidates within the first day. And right now, you can try it for free at ZipRecruiter.com slash Caleb. That is ZipRecruiter.com slash Caleb. ZipRecruiter, the smartest way to hire. Listen, I'll let you guys use the Fizz card individually. You can get that. It's a debit card that builds credit. So you can do that. It only lets you spend what's in your checking account because you obviously overspend dramatically every f***ing month, every day, every week, every way we do it. Oh, it was a$900,$800 f***ing stupid cleaning robot.

1:13:16It's so f***ing dumb. Listen, I'll get you a course career certification as well so that you can get into a new career field, make some more money. A lot of people in the audience have used it very successfully. There's a massive discount, obviously, linked below. But it's crazy. $500 in interest, late fee, interest to Korea. I'm Chipotle. And I mean, you guys still buying things behind your back. Like you bought the robot behind her back. And a TV. And then you bought a TV behind her back. Yeah. Why? Why is this like lying about the concert tickets, doing the TV behind her back, all this bulls**t?

1:13:48I mean, those are small purchases compared to Shakira tickets. Sure, if we're doing compare and contrast, but it is still substantial money that you do not have. But like we get more use out of, you know, like a robot that cleans like on a daily basis versus, you know, going to a one time thing. But it was an experience. Yeah, but$4 ,000. I mean, I relatively agree. I hope in the near future I get also a lot of uses out of robots. Okay. But yeah, you should get one too. Well, that's not the robot I was thinking about. Gross. But either way, I can afford it. But again, it does a really good job.

1:14:24It cleans. It cleans. It keeps the house nice. Oh, that's okay. You just can't afford it. I want you to get it. I want you to go to Sakura. I want you to do all this stuff. You don't have an emergency fund and now you guys are f***ed. You guys are in this situation because you never sacrificed while you actually made money. You just lived. I'm making money, so I'm going to blow it all. So that's why we want to start. Like I told him, I want to start coming up with a real plan that we're going to get out of debt. And I'm going to interrupt you. I get that. But then when you guys talk about budgeting, you don't agree on anything.

1:14:57Well, this is the, I think this year we have finally like kind of like. This year? It's the 10th month. Okay. This couple past months. We have finally like started to like gotten more serious about it. And what does that look like? Because when I, when the first thing I heard basically in this conversation is he last month tried to sit down and budget with you and it just didn't work. Okay. It was just a complete failure. Okay. I will say that I'm also having like mommy brain and sometimes like I'm like mommy brain, girl brain, all the brains except for any personal responsibility. Apparently I'm like running on fumes, like zombie mode.

1:15:33Like I sometimes don't even like, like one time I woke up. That's a part of it. But you know, you just have to sit down once a month to just start this once a month to start it once a month, a couple hours. Okay. True. Get some bevies. You're no longer pregnant anymore. Just glugging. Actually a little bit. Breastfeeding. Nevermind. Go out and have a nice little meal, but then bring your little things and just like have some fun. Make it a fun thing. I will allow you guys to spend money. If we go to the bar, I would be more inclined to. But you can't drink right now. But I can watch sports. No, I need you to focus up.

1:16:07I want us to have fun with whatever we're consuming, but you need to be focused in the conversation. I am very good at like multitasking. Really? Because you haven't been able to task on one thing this conversation. Yes, I have. Okay. I mean, I don't know. Okay, Platinum Plus. Who couldn't give the statement for the thing that I could pull a statement for? Good. Pull it up on your phone. You can't pull a statement. I tried. Uh-huh. He's not tech savvy. Sorry. Were you guys born in the US? No. We are dreamers. Oh, brought here as children. How old were you? I was nine. You? Oh, that was five. Five years old.

1:16:49Wow. Well done. And we're both from Mexico City. A lot of people are going there these days. So pretty. I wish we could go back one day. Forcefully. Well, no. White people are moving there like crazy. People in Mexico City are very upset at it. I heard that they don't want them over there. There's like a protest. And... Look at that. Generating statements. There was no statement available. I had to screenshot it. And then I don't even think it let me screenshot it. I had like screen recorded. Is this another balance transfer? Yeah. So we've done double. Yeah. So I put three cards into two cards.

1:17:35It also helped with like trying to keep it organized for the month. Instead of having three payments, just having two. I will say, because I know immigration is such a hot button topic right now. in a non-controversial way because obviously every country chooses or I guess, you know, wants to choose who is coming in and out. You're the f***ing, like, you're the f***ing dude because we have a declining birth rate. If people are going to come here, I want you. This dude's coming here working 40, 50, 60 hours a week grinding, adding to population increase. You know, f***ing that's what I like. I like people who are f***ing coming in and then they're like, Like, oh, I love America.

1:18:19I'm going to work and, you know, contribute to the overall culture. I love that. Good job. Thank you. Stop. You're so bad. No, you're okay. I promise I've always had a job. I'm a hard worker. We've always gotten fired from a job. Just this past couple of years because I had really hard losses. I promise. Are you guys protected right now? Yeah. Currently? Under the current system? We have a work permit that we have to renew every two years. Yeah. As long as we don't get like any felonies or tax evasions, anything like that. I'll pay my taxes. Your tax situation is a little weird. I'll pay my taxes.

1:18:55We pay taxes every year. Just be careful. We'll be good. Be careful. Yeah, these balance transfers, what's the minimum fee payment on this thing? Do you even know? 42. Oh my gosh, it's never going to be paid off. And we're just taking those 5 % fees forever. Why will it be? Because you're a transfer, you're not a payer. Why can you sit here and tell me? Again, it was just to make room for the budget I understand why But how are you able to tell me that it will be paid off When all you ever do is transfer Not actually make progress Because I mean Thank you for fueling our economy By coming to the country and then spending money you don't have In consumer debt You're keeping people alive And paying the bills I feel like if Once she goes back to working and, you know, eventually we can sit down and make a budget.

1:19:46We'll start paying them off. No, no, no, no, no. Should we not sit down and make a budget when things are harder more than anything? No, yeah, for sure. But I'm saying, like, I still don't think she's going to be, you know, like, I don't. I think we're going to have a struggle, like, getting on the same page financially just because of how she wants to work it and how I want to do it. Why do you have an accent if you've been here since five? What did you raise? No, like, wasn't most of the language development skills done around? He speaks Spanish on a daily. Yeah, he speaks Spanish, but an accent.

1:20:14Your language skills were raised in the United States. I mean, I don't know. That's just how it is. I mean, I'm vibing with it. He has an accent? I mean, in my house, like, we still speak. You don't know he has an accent? I don't hear it, no. He has an accent, right? Yeah. Yeah, he has an accent. Do I have an accent? It's not like crazy. A little. Yeah. A little, but also, I mean, you came later. At nine? Yeah. I mean, so you had some of your language skills developed in Mexico. Mm-hmm. This is interesting. It's not a bad thing. This is very interesting. I don't know. Five and nine are different, but like, you know, that's where a lot of the language skills, primary education started around five.

1:20:50It's just like, huh. We speak mostly Spanish, so. Yeah, we're trying to teach our daughter Spanish first. Because she's going to learn English anyways through like school, you know? Mm-hmm. Mm-hmm. Okay. PayPal credit. Yours? Yeah. Yeah. Okay. Yeah. Interest accruing$82.14. no purchases take f*** $122 minimum fee payment $4 ,041.38 30.38 % interest this is brutal dude this is f*** some is interest free but it's accruing deferred interest and that's going to be a s*** ton of money and that is already passed wait no wait one second in a couple months it will though what's the remaining balance on that Almost 700 bucks Oh that's not bad Okay well you guys are spending more money than you have Maybe we can pay it off fast And this is the Miami trip right?

1:21:49Yeah so it was split in two Oh you owe your mom for the trip too? 1400 bucks? I guess it was split in three Oh what are we doing? What are we doing? No I will say It was We were kind of forced to go I mean I wanted to go but we were kind of forced to take a longer vacation because that was just going to, like our intentions were just to go see the game come back. Yeah, like a three-day thing. That's great. Why does the future of your household not supersede seeing a fucking game? I just don't get it. Like I want you to have fun. I want to go have fun. It doesn't supersede my entire life though.

1:22:30Well, I was working then and we did kind of have some money set aside But then his mom decided that she wanted to make it a family trip. So it turned into like everyone going. So we had to take our kids. And we made it a week-long trip. Yeah. We were just planning on doing the weekend. But then, you know, she. We did have the money for that. But because they turned it into a family trip. Look how much money you had to borrow for this. You couldn't afford it regardless. No matter what, in the end, you could not. But we did have fun, though. And this is what's troubling. You guys can't agree on how to budget.

1:23:03and you both are totally okay with this. You're totally okay with this. So how does that mean when you leave, you're not just going to f*** it all the same way? Like, look at this. You're totally okay with this. Because now we don't have the second income. So now we, I mean, we can't. Before we had the income to where we did. You bought an$800 costume for Deadpool versus Wolverine on this. $800. Yeah. Yeah. What the f*** are you? And he didn't wear it for Halloween last year. I told him to. What is wrong with you? And this year he should wear it. It's something I wanted to do with my brother. $800?

1:23:35Yeah, but it was like, you know, like it was something that we're both fans of like the movie. And so, you know, he wanted to dress up. So I was like, I'll do it too. You know, like. He was Wolverine. $800. And he looked really good in it. But it was a nice suit. Like a nice costume. I'm sure this is. Yeah, but I mean, we had fun and we took a lot of pictures with strangers and. Oh, yeah. We just had a good time. I told him we should have charged. I mean, we were thinking of charging, but. Yeah, okay Yeah, good luck Okay, who has Desert Financial again? Who has another Desert Financial credit card?

1:24:10Oh, that's mine Okay, almost all the debt's yours so far, by the way Except for the PayPal that she never paid Put mine on top, that's all it is But I will say We usually put the crazy ones on top We do pay both of them We did charge on most of them We did charge on most of them, both of us Okay, the balance went up It went from 2 ,714 to 3 ,086 It did? It did With a minimum payment of$86, he purchased$430.71. While interest accrued at$45.03. $400. DP, or Da Prim, Yogi Grill, Raising Canes, and then Pediatric. But that's okay. I wouldn't put it on a credit card. But Home Depot, be careful. He loves Home Depot.

1:24:57I know. He can be there hours just walking around where I'm like, Okay, what do you need? I-O-19, let's go. What do you need? I-O-11, let's go. And he hates going to Home Depot with me. It's because, okay, so I like to do things around the house. Boring. I even - Cafe is do-bus and then Vudo.com Fandango. Oh, yeah, that's our movie. I was an interest this year. Is this ghost? Those are movies so we can make a home movie night instead of going to the movie. Yeah. So we - You, you don't have money. We save money. You don't have money. YouTube is free. They don't have movies. Who is Discover It? That's mine.

1:25:34Okay, you purchased$61 on a card you can't pay off. That interest is accruing. It takes seven years to pay off if you don't purchase. Why the fuck? How much did she purchase? $61. $37. That's not too bad. It doesn't. That's not the difference. It still takes seven years, so she's not purchasing. So this is going to take forever now, infinity. Does it show what I purchased? Yes. I was hoping you might have a little insight first. No. Great, because, guys, I don't think you're going to live. I don't think you're going to make it because you're taking this all as a joke. Well, it's just been a stressful few past months.

1:26:06I mean, with the baby and everything, her not working. And so it's like, you know, it was like if we have to put things on the credit card, then like what else can we do? Oh, it was Amazon and Culver's. Oh. So die. Like this is bull. It's all you bull. But the Amazon could have been for a baby. Okay, pull up your Amazon. And the Culver's. Pull up your Amazon. The covers, I think it was because I was driving by and I didn't have my wallet on me. So I just tapped it. You can't afford it regardless if it was on credit. You dumped it. You have debt. You have$130 ,000 of bad debt. $130 ,000 of bad debt.

1:26:40I don't give a fuck. Now I have a Wells Fargo cash visa. Whose is this? Oh, that one's mine. Again, back to mostly you. Why are you the one so fucked? Because she seems like she is. like mentally, but you're, you know. See, I try not to have a lot of credit cards. Why are you the one in the finances with the worst finances? Because banks love me. I don't know. They really do. You make them a ton of money. But why are you, I'm saying for the household, the one running the finances, if you're the one that is objectively so far the worst, including bullshitting so far. I don't know. I feel like I look at the numbers, So I think I'm okay to, you know, purchase.

1:27:29Why is he the one in control of finances? Why did you give that? Because he doesn't want to do it my way. He doesn't want to do it my way. So you, when you guys sat down and discussed who's doing finances, essentially, you just gave it to him because he didn't want to do it your way? No, it was mostly like I relinquished control over time and he just took over basically. Okay. Well, it's a$41 minimum payment, 17 years to pay off, $161 of purchases. This one is pediatric. Again, I would rather be on debit, but even still, promotional balance until now, not that many months from now, like five. So that'll start accruing interest.

1:28:09There's no deferred interest, but it is chunky. Okay, who's the Bank of America? Wait, what was that one? That was Wells Fargo. Yeah, on the Wells Fargo, the balance was to, like, Like, help out my sister. Oh, the overall balance? For the bankruptcy? For the bankruptcy? You guys are headed to bankruptcy. Why did you have to help her for it? Well, I mean, you know I went with her to, like, go see to, like, a bankruptcy lawyer. But she doesn't care how much she spends. If you think I'm bad, she's worse. She doesn't care how much she spends. She's always, like, doing a bunch of things. She doesn't even do things, like, for the kids.

1:28:45So, and she, like, takes out cars that she can't even afford. So why are you helping her with the bankruptcy? see because she's my sister and i mean okay but i'm not getting my sister she had like a a lawsuit on her hand so it's like okay my sister had one too and i didn't bail her out and you know like i had that card she has a husband and she lives rent free with your parents yeah but what yes this episode is brought to you by state farm listening to this podcast smart move being financially savvy? Smart move. Another smart move? Having State Farm help you create a competitive price when you choose to bundle home and auto.

1:29:23Bundling, just another way to save with a personal price plan. Like a good neighbor, State Farm is there. Prices are based on rating plans that vary by state. Coverage options are selected by the customer. Availability, amount of discounts and savings, and eligibility vary by state. Yeah, but like... And yet you put thousands on the credit Why? Well, because I... I'm okay with helping. I just wanted to help her out. Yeah, but we helped them in other ways. Yeah, but I think this wasn't helping. I think this was enabling. Yeah. She has no responsibility of finances whatsoever. If I'm bad, she's like 10 times worse.

1:29:57Oh, wait. You didn't even give her money. You just gave the card to your sister and she just ran it off. That's crazy. That's fucking wild. I mean... Dude. I like to help my family. Yeah, but you're enabling her spending. Your mom has bailed her out so many times. so many she bailed her out $10 ,000 and she went and rent up everything again I don't know it's just when a sibling comes you know asking for help of course but she hasn't changed her behavior she's been bailed at a thousand times it sounds like and she doesn't pay rent she doesn't have like big expenses other than her car and she has a husband I mean she did say she was gonna pay me back when she got her like tax money and how many times has she told that to her parents that have been bailed out yeah I don't know I mean that's the thing at least twice Sometimes someone actually helping someone is them learning for the first time.

1:30:47That's BS. Like you're going to help her. You can't even buy me a ring. Okay. Well, I don't think he wants to marry you. I do want to marry her, but that's down the line. That's BS. I'm kidding. How old is she? She's older than him. She needs to learn the skills herself. Or she's never going to make it ever. When your parents pass away, she's never going to make it. Who is the Bank of America? That one's probably mine. Well, minimum payment,$46. Balance,$1 ,501. Seven years to pay this off. That was a balance transfer. Interest is accruing. Well, interest is accruing. So you've had a late fee this year.

1:31:24Yeah. There it is. Mommy brain. No, come on. Yes, I literally forgot. So every mother has late fees. I'm not saying that. Shut the fuck up. That is not, shut up. I'm saying I have foggy brain. That's okay. Set up minimum monthly payments. Automatic payments. I can't because sometimes I don't know. Exactly, because you don't budge it. Because it's all down the line. When you don't do the primary, normal, main, easy thing, relatively easy, all of a sudden nothing works down the line. That's how it goes. Okay. Sephora. Who's Sephora? Mine. I bought my daughter Kendrick and SZA tickets. On Sephora?

1:32:04For her birthday slash Christmas gift. Dude. Okay, so she's going to be okay with not getting anything for Christmas. Well, this was past Christmas. Oh, my. I was not okay with that. Especially after having, like, coming from a big purchase that we did on her as well. What big purchase? Her quinceanera. Oh, yeah. Like, I was not okay. Oh, f***. How much was her quinceanera? My part was about$5 ,000 to$6 ,000. $2 ,000? $1 ,000? Yes. What? What are we doing? But she look really pretty. No, they never do. Excuse you. Oh, it's always over the top. It's too much. It's too much. It's too gaudy. No. You're too much.

1:32:57Yes, but I embrace it. But it's like Mexican culture. Yeah. And I'm so glad I'm not having a Mexican child because that sounds expensive when you hit 16. You're not a woman. You're not a woman. Huh? You're not a woman. Does the woman have to pay for it? No. Only girls do it. Not guys. Yeah. But if I have a Mexican woman child, that'll be in a quinceanera at 16. 15. 15? Yeah. Well, you got fees and interest on here. You've had two late, three, four late fees this year. She's had four late fees this year. I'm sorry. You're sorry. No, you're not. When people are sorry, they don't do it anymore, you dick.

1:33:33She keeps me in the dark for a lot of these. Apparently for everything. You guys keep each other in the dark for everything. This is so f***ing stupid. I kept on forgetting the due date. I kept on forgetting the due date. There was four times this year. I know. Set a reminder. I would forget too if I was trying to remember the date every single month. Set a reminder, you f***. I did. Desert Financial, again. Are you back? Do you have three cards with them? Yeah, I do have three. Oh, for f***ing sake. Okay, Desert Financial. What's going on? Again. That one. I don't know. What's the balance on it?

1:34:08It's much smaller at$264.77. Oh, I had to put my vehicle registration on there because I had to renew my plates. Dude, this is what happens. You guys made money and you do still make money, but you live so much fun that once a need pops up, you have to put it on a credit card because you're undisciplined, you're irresponsible, and you guys are not adults. It's a joke. But I was planning on having the money. Interest is planning on having the money, then you did it and you're doing secure. Shut the fuck up. I don't want to hear it. Kinsiera, fuck you. Late fees this year so far? This is so stupid.

1:34:39There's a late fee? Yes. Yes, there is. Who is the U.S. bank? That's our joint account. A joint debt? No, checking. Debit. Okay, well, there's a Mountain Dew. Oh, mortgage. Yeah, yeah. We have the mortgage there. What the? Your mortgage is$3 ,627? That's expensive. No. It's$1 ,850. It's$1 ,850. We don't usually pay it on the first, So they send us a statement. You had past due. Yeah, but it's not past due. But it's not past due. But it was. And you owe double the money. That is, what are you doing, guys? It already got paid. This is what happens when you budget weekly, though. It just gets so close.

1:35:18We're not budgeting weekly. He's budgeting monthly. He's not budgeting. $1 ,813.91. Minimum monthly payment.

1:35:31Sorry, that is the minimum. $1 ,813.91.

1:35:38And you're on joint mortgage? Yes. 4.3 rate. We like that. What is the balance? We got it at a good time, but... Oh, here we go. I just don't like the house. Oh, good.

1:35:54$260 ,631.08. Why don't you like the house? Because it doesn't have a pool. Go to a community pool. Dick. A home equity loan? And a Toyota 4Runner? Yes. Those are all joints as well.

1:36:15Oh, f***. Why did we get a home equity loan? To consolidate debt. 80 % and then you didn't consolidate. You racked it up and then you transferred them. Again, you never pay off debt. You just consolidate transfer. You guys cannot do another one of these stools, including bankruptcy, until you change your f***ing behavior. You can't do any of these shortcuts until you change your behavior. Because you'll just end up with more debt. It happens every episode and you guys are just continuing that trend. So no bankruptcy, you said? No, not until you change your behavior. Because then you'll end up in the same amount of debt again and be double fucked.

1:36:49Okay. You owe$52 ,281. Do you even have any equity anymore? Yes. Barely, probably. I don't know because we also have solar panels. Oh, yeah. I don't even think we have that. We don't have that. What the f*** is wrong with you guys? Minimum to payment$3.78.40. What's your solar panel debt? The total debt, I would have to look. I don't even like the hassle of working in solar. So I have a question for you. Do you know by any chance if the solar panel company is going in bankruptcy? Huh? The solar panel company is going bankruptcy. Yeah. It's filing bankruptcy. It's not a school. You're not going to get it forgiven.

1:37:37I was just going to ask, like, what do we do then? First of all, bankruptcy is a lot of things. They might just be restructuring debt. They might not be going out of business. You don't know. Yeah, they're getting bought. Well, there you go. You're still going to owe it. Current balance for it is$33 ,000.

1:37:51Minimum monthly payment? $168 ,000 a month. What's your interest? It was like 1%, 1%, 2%, something like that. 1.99. Forerunner. Whose is it? Family car. Well, originally it was going to be kind of like my car. Because I have my little beater that I take to work, you know. And she had her own. Why do we need this? She had her vehicle. And I wanted a Forerunner. So once we did that consolidate. You did a consolidation, then you got a forerunner? You guys are a f***ing mess. You're the collection of everything bad with consumerism. $37 ,087.96 at an interest rate of 7%. Not even f***ing good. Minimal monthly payment, 674.

1:38:38Working 60 hours a week in order to afford a forerunner. Well done. That's where you are. What do you think it's worth? What do you think it's worth? Like 44? 40. 40? So at least you have an equity position. But for f***ing sake. Then it paid off Jetta. That's worth$1 ,700. Yeah, that's my little beater. Sell the forerunner tomorrow. I'm not even kidding. Sell it. Because you might actually make money. Break even for all I care. Get out of that minimum payment drive. Beater. Beater. Beater. That's how I don't give a f***. What? What? What? What? What? Well, my beater is not going to last me very long.

1:39:13It's already at 200. And then when we do that, we get a$10 ,000 car. I don't care. Get rid of the forerunner. You're in a blessed position. Rare on this show where you have an equity position. Get out of it tomorrow. Is that a question? Are you getting out of it tomorrow? Are you getting out of it tomorrow? Let me answer. I'm thinking of getting out Tacoma. Huh? I'm thinking of getting out Tacoma. No, no, no, no, no. Nope, you're not getting anything. You're driving the beater until it's dead. I think I deserve a Tacoma. I need to make sure you agree with me. Make him agree. This is what you are doing or else there is no path here that I'm willing to accept because this is a basic sacrifice and I didn't see you're making sacrifices or I'm ending this thing now.

1:39:50Is it negotiable? No. You are selling this and driving the beater until it's done and the repairs would be stupid. Wait, wait, wait. But we do need a family car. So get another beater, right? You said? Why? Don't you have something? A beater? No. Okay, then yes. A$10 ,000 car. Okay. $10 ,000. Where are we going to get$10 ,000 from? When you shopped used, used, used. It's not going to be great. It's going to be years old. But you take a look at it in every way whatsoever and get an independent mechanic to look at it as well. Make sure it's safe and it's not going to take a cost. It's going to be a two-year car.

1:40:22Guys, we're not looking for a generational car. This is a two-year car. You're getting for$10 ,000, and then you upgrade once we're out of debt. Do you agree to this or no? Well, what if I— Agree to it or no! But our daughter needs a car, too. Nope. No, she doesn't. She can get her own car. She can work and get her own car. Do you agree to it or no? Agree to it or no? Can I get a second job? Agree— No, you already work 60 hours a week. I want to keep the runner. Okay. And that's it. I'm ending this. This is no conversation to be had. I'm ending the episode. If you're not willing to take literally the most basic sacrifice in the one thing you have, there's nothing here.

1:40:56And you guys are f***ing. And I'm sad to see that. That is f***ing sad. And that's not me wanting to end this because I'm outraged or anything. If they're not willing to take a single basic f***ing step, I'm done. We have to f***ing. You! Hammer Financial Score, f*** off. Come join us in the post show. I have to do an extra 20 minutes. I get to do. I'm blessed to do an extra 20 minutes. And Hammer Elite, the best membership on YouTube. And three preview shows posted every single day. Shut the f*** up! I'm doing my spiel! Good death! What is wrong with you, woman? Join Hammerly! I'll see you in the post show.

1:41:30You were just spending money behind his back that he didn't even know. You were blowing money that he didn't even know was happening. I got, you know, like a statement in the mail saying, you know, like, you got a loan for, you know, X amount of money, and I asked her. The secret loan behind your back? Yes. How can you say you've been getting better over the past four years and then take out a loan behind his back? No, like, seriously, it is a big eye-opener. I don't want to f***ing hear it. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday.

1:42:01Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise. This next one's for all you CarMax shoppers who just want to buy a car your way. Want to check some cars out in person? Uh-huh. Want to look some more from your house? Okay. Wanna pretend you know about engines? Nah, I'll just chat with CarMax online instead. Wanna get pre-qualified from your couch? Woo! Wanna get that car? Hey, that's a beat! You wanna do it your way? Wanna drive? CarMax.