They F*cking Hate Each Other | Financial Audit

22:13Check it out. Link in the description below. Sign up for Chime. Get that$350 right now in your checking account. I think how many times I've been. All right. You can't do anything. And your little vape shop. Well, let's talk about - And your little vape shop. Listen, if he was married to you, he would smoke nicotine too. Tell you that right now. I don't care. Because God damn - What does that mean? What does that mean? Dude, like, let me tell you, she will f***ing pick a fight with a brick wall. We were in f***ing Whataburger the other day. Some lady came in and b***ed about her food, and she's like, shut the f*** up.

22:43It's not that big of a deal. And it's like, dude. She was a Karen. It doesn't matter. She was yelling at a service worker. Right, but that's her f***ing prerogative. She wants to yell at that f***ing lady and don't get involved. This is why I had to f***ing carry a gun in the car, was because you start s*** with everybody on the f***ing road, and then they get out of the car and want to come fucking fight me because of your fucking mouth. Well, it's because you want to pick a fight with people. I don't fucking... What are you talking about? You called somebody ugly in the fucking Walmart parking lot yesterday for cutting you off.

23:12You seriously hurt that dude's feelings too. I'm not even... No, it's not fucking funny. He was fucking laughing about it. Dude, you seriously like ruined that guy's fucking day because he took a parking spot. And then, are we even going to go as far as like the fucking Reno's incident? When we went out and you fucking yelled at that whole group of girls for just having a good time? When? Tell me about it. I don't even remember. If I didn't have to f***ing, like, no, you talk shit perpetually. I do. To everybody, and that's a f***ing problem. So, yeah, I smoke a little bit of f***ing... What do you mean it's not a f***ing problem, dude?

23:44I have guys coming out of their car with a f***ing tire iron. That's your fault, not mine. It's my fault. I'm not the one that rolls down my f***ing window. Shut up, ugly! Blah, blah, blah, blah, blah. Like, dude, you're going to get us f***ing killed. Well, if they deserve it, they deserve it. God damn it, dude. Yes, I f***ing go smoke nicotine because I have to deal with you. Yes, you are a f***ing problem. You are not for public consent. That sounds like a you problem. God damn it, dude. That sounds like a you problem, not a me problem. It's a me problem? I may be a f***ing loser, but God damn it.

24:11If I didn't f***ing... Dude, having to put up with all this bullshit is f***ing killing me. So yeah, I smoke a little bit of f***ing nicotine because if I don't, I'm going to f***ing jump off a building from having to deal with all the f***ing bullshit that you f***ing start. So don't even with me. Are you done? Everything else... Yeah, fine. Okay. All right, fine. I'm gonna fuck down bro Fuck you Seriously Jesus Christ You're stupid Your rebuttal I mean That does paint a picture I'll be honest I'm a bitch And I've never claimed Not to be a bitch And I've told you When we first started dating That I was a Actual bitch But I call people out Like I don't give a fuck There's a difference In between like Calling somebody out And then like Straight up being like Hey I know my husband's Got hands so I'm going to talk shit to you because I know that there's nothing you can do about it.

24:59You know what I mean? Like, seriously. You know, like, I don't care. Like, even if I talk, like, I talk shit to you. I call you Megamind. All right, which... Right. Okay. Why? He doesn't seem that bright. Well, as you... Look at the forehead! As you pointed out, I have a receding hairline. It is going away. Bye-bye. He's got a big-ass forehead. It's very shiny. I feel so loved at this table right now. I can feel the love here. Well, I mean, you wanted to come at me for no fucking reason. I would come at you because you can't shut your fucking mouth. Well, that has nothing to do with our finances.

25:39What do you mean it has nothing to do with our finances? If I end up having to go to the fucking hospital because some dude beat me with a tire iron because of some stupid shit that you fucking said. I would say it has to do with the finances because if you guys try to have a conversation about finances, how can it happen if, well, he's saying you act like a bitch. right now he's the one that's blowing up i know but he's acting like a bitch but if you if you if he's correct in saying you do when you try to have a financial conversation i feel like i have to explain it to him like he's a child i have to put a table in between us when we argue because i'm afraid that you're gonna beat my ass what are you talking about i have to have a fucking escape route you are a six foot tall woman okay i'm not trying to with that so yeah no i just let shit go and the reason I don't ask questions about the finances when like the 12th Amazon box this week shows up is because yeah, I'm not trying to get beat.

26:32Okay. I'm tired of you already. Well, tell me, how do these conversations go though? Like I need to know a little bit more. He will literally just sit there and stare at me like he's dumb and I'm like, do you understand what I'm talking about? Because every time I can open my mouth. And I'm like, we have these bills to pay and he's like, uh-huh, uh-huh. And I'm like, what the are you doing? Do you even understand what I'm talking about half the time? I think it goes in one ear, not the other. That's why your head's so big. Is that true? It's a little bear. Is that true? You don't listen? No, I do listen, but here's the thing.

27:05No, he doesn't. Is that she f***ing overreacts to every single little issue. Like what? So, like, for instance, she sees, oh, we have this bill coming up in three weeks. I don't know how we're going to pay for it. And it's like, okay. So then I go dig in the collection of bullshit that I have, sell a few things. And I'm like, there we go. It's no big deal, but she'll worry up until that point. But that's why we buy shit like gold and silver. And that's why we keep that shit around. So when the spot price goes up, we sell that shit and get our money back and be able to pay bills when we're not employed.

27:36What the fuck? What are you talking about? That is still a volatile market, even though gold has done quite well. Metals have done quite well. Gold's done really well recently. $64 ,453.81 of debt. Why the fuck are we getting assets? What? Because gold does well. It doesn't do better than 30%. No, it doesn't do better than that. Which is, what the fuck are we talking about? And he also told Colton that you say you can't hide any purchases because she's like a bloodhound. Yeah. But why should you have to hide purchases? Well, see, I just don't even try. Why would you? Well, if you're complaining about not being able to hide purchases, why should you be hiding purchases?

28:11Well, because somebody else. Because he shouldn't be buying anything because he didn't have a job. Yeah, but like, and I acknowledge that. That's why I didn't even activate my fucking debit card. What do I need it for if I don't? You still had Apple Pay. you had a PayPal card that was linked to our account. So it's not like you weren't spending. I don't understand why you feel like you would need to hide purchases though. Like your complaint is that you're not allowed to hide purchases because she's a bloodhound. I mean, it wasn't... But what the fuck is that? Well, you shouldn't be hiding. Why?

28:38You think he hides? Does he hide? Yeah, all the time. Tell me about it. He hides everything actually. He lies about everything all the time. You're a liar. So a loser and a liar? Of course, of course. What's the lie? Everything. Like I swear to God, Like he's gotten tickets and he's like, oh, it's not my fault. They just pulled me over. And the body cam footage. Yeah. The body cam from it. Yeah. On YouTube. What? Yeah. And what happened? He was speeding and he tried to tell me that he was like, oh, they just pulled me over. It was only 135 and a 70. It wasn't stupid. As a guy who goes fast. Yeah.

29:11MKBHD style. I don't go that fast. I mean. Yeah. He lied about the whole thing. And then the body cam footage came out. and they're like, all you could see is the cop and then you just see him fly by. And I was like, are you kidding me? You lied about this? You've also said that he's super into investing, but it always destroys your savings. Sometimes if I come across a good deal for something that I know that can be flipped in the long run, I'll buy it, hold on to it for a month or two and then sell it. No, you don't hold on to it. You hold on to it forever. And then we're in a bind. You're like, oh, I guess I'll sell it.

29:45Well, I mean, yeah, because that's what that shit is for. And your gold and silver bullshit. I mean, look. You just sold, first of all, you just sold all your gold and silver. How much did you get for it? 500. No, you didn't. 170. Oh, yeah, that's right. The two pieces I sold, yeah. Yeah, that helped so much. How does it destroy the savings? He pulls money out of savings. Well, we don't really have savings anymore. So if you just save a few pennies, he immediately takes it and tries to turn it into. Yeah, well, so we had a little bit of savings, but he decided he needed a gun. All right. So he went out and bought a new gun.

30:15For why? You said it's because she goes crazy? Yeah. No. Is that actually why? Yes. No. Don't even. You are. You are nuts. No. Don't even act like that's. That is definitely the reason. You literally are like, oh, we're going out to Dallas. Let me pack my gun. Yes, because somebody likes to run their goddamn mouth. No, I don't. Really? Are we going to talk about like. Whatever. And part of it, not only that, like I hold a security license where I sometimes am able to pick up armed gigs. And to do that, you have to furnish your own firearm. But that's. Yeah. You're like. Oh, I. Not right now. No, you don't.

30:47Because they're kind of hard. Your house needs money, dude. You weren't working for like six months. Yeah. What the f*** is wrong with you? Why not go work? Dude, drop some McFries if necessary. Oh, no. He said he would never work for food service. What the f*** is wrong with you? We've all put in our time. I did it for like five years or so. What the f*** is wrong with you? Put in your time, asshole. Yeah, I mean, I guess like, I don't know. I'm just not. Bills are bills are bills are bills. It doesn't matter. They don't discriminate. Yeah. you need to get a job you do now but you might need to work more because$6 ,000 net being for the household and DFW you guys are below the median for sure yeah I think the plan is to eventually hopefully get out of DFW oh his argument for the gun is that it's one of a kind and he'll earn money on it and sell it and he'll sell it for your future kid what the fuck what the fuck are we on about dude so like look I had a Glock right I sold the Glock, got$700 for it, and then I took the$700 and put it down on.

31:50Down? Yeah. Down? So I put it in layaway because it didn't gain interest. I made sure that it didn't gain interest. Yeah, and then we had to pay another$300 for it. But essentially, I got the gun for$750. What the fuck are you talking about? And then I had it appraised because it was a, so it had a special serial number. it had some features on it that were really interesting that I hadn't seen before. So I called the company. What? You guys are dying in debt. You didn't have a job. Yeah. You just got one and you haven't even started. How is this even an option that we're even considering? Yeah.

32:25It was an impulse purchase. Yeah. No shit. Your entire life is impulse. Is it not? Yeah. Pretty much. Dude, you do nothing and then you think you can go get a big inexpensive gun, a special gun? Yeah. What is this? Zena, what was your thoughts when this was happening? What did you say? What happened? I was like, we could have literally used that money for bills to pay off at least one of my credit cards. And he was like, well, I felt like the gun was necessary, which it wasn't. Because what the f*** do you need a gun for? We don't even go anywhere. I think that it's important for every household to own a firearm.

32:54We're in fucking Texas. My dad does. You don't need him. Your dad is also never home. But you know where the guns are at. Yeah. So there's guns there. Exactly. And he knows where they are. My dad has said that he could use them. You also live in a town of like five people. I assume you've seen one black person and you freaked out. Probably. Hey, listen, I'm Arab. We're cool with the blacks. It's the white people that scare me. Buddy, you are as white as it gets. If you could tell the TSA that, again, I would really appreciate it. It is your last name. That's it. Dude, when we're walking down the street, no one thinks you're Arab.

33:26There's not a single person in this world. They see the name on your passport or whatever. That's what they see. Yeah, and then you bought this while you were unemployed. Oh, that dad does not live with them. You live with dad. Yes. Yes. Yes, we moved in with my parents. At 31. Oh, my. In a cheap-ass small town. What the f*** are we doing? What is wrong with you guys? Well, so it was actually my parents' idea that we moved in with him. Every time we're around my brother-in-law, he's always talking to him like, you got to get your s*** together. My dad's like, why are you doing this? Get your s*** together.

33:58Even my mom is like, get your s*** together. To him? Yes. Why the f*** won't you listen to anyone? Do you have no shame? I mean, no. Well, now I'm starting to like, look. going through the whole thing with getting laid off and doing all that I have been very immature but I've just decided like I'm tired of living like this oh bullshit how long was it going while everyone was shitting on him until he was like okay I'm fine they're still shitting on him they're still shitting on him they're still doing it why are they shitting now because it like he just finally got a job so now like the whole time my dad is like did you get a job and if we know anything about Hispanics they're probably grinding they're probably working their dick off Yeah.

34:37Well, one of them actually is also unemployed, I think. Does he do things, though? Yeah. Well, there you go. You just gamed all night. You don't do anything. You can't even cook. That is true. I cannot cook. Yeah. I would burn water. So I have to come home from work that I have to get up to 4 a.m. Then I come home and then I make dinner. And then I clean the kitchen. Wait, why the f*** did you do anything if you're a house husband? His mom didn't let him do anything. She cleaned, she cooked, she did everything. Was she like full beekeeper? Yeah. Okay. So yeah, I thought those ones were strict.

35:14But no, she was very nice. Not really. So when mom and dad weren't at the bar, they felt like guilty. Do they want her to be beekeeper? I don't know. They don't really care? No. Okay. Well, you said they're very strict. I told her from the beginning, like I'm not a housewife. They definitely don't like how she like. They don't like how, like, direct I am. She makes more money. They don't like how she's direct. Oh, dude, I wish my girlfriend made more money than me. Then we'd just be rolling around. That's weird. I'll never understand that logic. Yeah, so he, like, Please make more money. Let me stress less.

35:49Well, they're, like, traditional. Like, dad is 80. Dad's 80, to give you an idea. And mom is, like, 65. So. Oh. Yeah. And how old was, knowing where they came from, how old was she when they met? she actually was she's from Florida so she was in yeah so she was in like her 30s when they met oh isn't she like Cherokee though yeah she's Cherokee so she's 100 % Cherokee Indian so I'm like what the f*** and then she went beekeeper yeah must have been a mailman involved or something because I'm awfully white that's kind of crazy she was a model in Florida for a while too and like yeah why'd she do this to herself because dad has always statistically made a lot of money Okay.

36:35There's other people that make money that don't, like, lock you. I mean, like, dad pretty much controlled the bar scene in the DFW area from, like, 1985 to 2010. How rich is your dad? He's not rich at all. Not anymore. Okay, so what the f***? Not anymore. He controlled the bar scene in Detroit, Fort Worth? Well, no. I mean, like, he, no, in DFW, like, all of DFW. So dad had 10 bars at one point in time. There were probably more than 10 bars in Detroit. Detroit, Fort Worth, Metropolitan Area. No, those were just the 10 that dad owned. Yeah. But basically the amount of stuff that he was making over like$3 million a year at one point.

37:11We had a giant house. Then the IRS came and fucked everything up because he wasn't paying his taxes. Well, I don't think they fucked everything up. I think he did. Well, of course, you know. Okay. You know, and I like. He took after him and started his own little business. You did? And of course it failed. Wait, you did? Yeah, I mean it hasn't failed. Did you start a bar? No, not a bar. I, uh, so because of my connections in the tactical community, I mean. In the what? Okay. I knew that this was going to be a. In the what community? It's like in the tactical community. What the f*** is that? So like Navy SEALs, uh, some people have sold my products to Navy SEALs, police forces.

37:48I don't know what any of this is. I, I feel like I could. Yeah. But the thing is, is that he doesn't actually do it. I do all the work. Yeah. What? What are you talking about? Dude, you are doing what your dad did. Yeah. Except you're not actually going and making any money from it. You're f***ing using her in every way whatsoever. Making her do everything. But you're not going and making bread, which at least somewhat offsets it. You just do nothing. You game and she does all the work. She makes the jewelry, whatever the f*** this is. Mm-hmm. What the f*** is wrong with you, dude? This makes no sense.

38:21I don't get it. What is even the jewelry? Do we have one? Is there an example? You have a picture? I can show you pictures. Yeah, show me a picture. What the f*** are we making? So, what is it? It's a military men? They're buying jewelry? Okay, so it looks like. It's just those little butt buddies. So it's like they're not really. How did you make these friends? I'll plead the fifth on that one. There's. Huh? There's one right there. So basically they're made out of Technora Kevlar cord. The cord can cut through PVC pipe. It can cut through restraints. The magnets can be used for. They needed necklaces that these military men are purchasing.

39:01What the f*** are we talking about? Right. So they look, that's the whole idea behind them, though. Well, they look very gay. Have you heard of Ed Calderon? Huh? Have you heard of Ed Calderon? Nobody has ever heard of him. No. No, I have not. Okay. He was on what? He was on the Joe Rogan Show. Ed is a counter-abduction specialist from Tijuana, and I kind of got some of the ideas from him to start making these. Yeah. To make gay necklaces? Well, because the whole idea is if you have a handcuffed key on the back of one or something like that, you get stopped by dudes that want to f*** you up. They don't normally take your jewelry, right?

39:35They take all the other shit out of your pockets, knives. Dude, your ancestors used to conquer Spain. You're making gay necklaces. I mean. He's not making them. I'm making them. That's true. You're making your woman. You know, if I have an extra one laying around, I'll send you one to the shop so you can put it up with your little boo-boo. Nobody wants this. So you can put it up with your little boo-boo. Even she says nobody wants it. I mean, yeah. I mean, there's people that want it, but like normal people don't want it. Who are these people? They're just like, I don't know. They like play with knives and guns and shit.

40:06Knives and guns can be fun, but I don't understand why they want to be like a, hey, look, I'm a bottom type of necklace. They're like, it's a rosary. And I'm like, I think it's kind of gay. And we love the gays. We do. We love the gays. We have a gay right here and we love them. I know. We love them. One of my favorites. So like the token. But it is very gay. I mean, well, I think part of it is, is that it's not supposed to look threatening. Right. So the whole idea. I'll confirm that. So the whole idea. So the whole idea is, is that the cordage that's on that. I actually have another video on that page that I will show you later where.

40:40Let me show you something. I hate having to explain it because. No, no, no. Maybe do something normal. He doesn't hate explaining it. If you give him a chance to explain it, he will tell you all about it. I fucking hate. You're also not the one who makes it. Yeah. Well, I mean, in the beginning I did. Why did you stop? No, you didn't. Even in the beginning, you're like, I need you to do it because you're so much faster. Why did you stop? Why did you stop? Because he couldn't keep up. Okay, what is he game? What is it? Call of Duty? No, I don't really. I play like vintage games. So I download free.

41:10I actually don't know what he plays. All night, you're playing vintage video games? Yeah, so I download like old Game Boy games. What? Let me think. I just got done playing Mother 3, which is a Japanese. So all day she's grinding, you're playing Mother 3. Yeah, downloading Game Boy games. I just played The Suffering on PlayStation 2. That was fun.

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42:20Join with the link in the pinned comment or description below. Submit proof of purchase at HammerElite.com and we will reimburse you for your first month with a$10 digital gift card that can be spent anywhere in most countries. You have no idea what you're in for. Starbucks is bullsh** 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.

43:03The number one ranked energy drink is Gamer Subs. 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 Gamer Subs.gg or click that link in the description below. Type in code Caleb. What is it? We have to pay for like... Does he have an extra gaming room? No. I have a couch. He just sits on the couch. Where? In the living room? Yeah. In the living room where everyone else in the house that everyone else lives in. Yeah. No wonder they hate you. Yeah. Well, we have our own living room. Yeah. Yeah, but they see you do this all day not providing for their sister, not providing for their daughter.

43:42What the... Of course they hate you. What? You are pathetic. Sure. What do your military bros think of you? They think he's the coolest person in the world. No way possible. How do they think that? Because he's a bullshitter. Well, that. I've kept my identity pretty separate from that. What identity? What are you talking about identity? You don't have it. Your identity is playing Mama 3 or whatever. I don't even know what that is. So I kept my personal life private. What personal life? So like they don't know anything about my private life at all when I sell that stuff because I don't really, like I didn't even really want to come do this.

44:24I don't like to put arts. Why the fuck are you here? Because I forced them to. Good, good, good. Yeah, we like Zena. Big Zena fans here. I just kind of, I'm a very private person. No, you're not. You'll talk about yourself all the time. I'll talk to a brick wall. You fucking will. You never shut up. So what is this? So you're not private. I just don't like people knowing certain things. Yeah, you're telling me everything without me barely even asking. Exactly. That was what was agreed upon. You will tell everything. It is a podcast. That's what we agreed upon is what's the point of me coming on if I'm not going to offer you all of the information immediately.

45:00Okay, I got to get some of these finances. I got to get into this. But I'm very nervous of how your guys' situation works. Just your existence in this relationship makes me nervous for the future of this. Well, come on. You haven't worked. You just got a job and it's not much for the Dallas area. And honestly, you don't make much for the Dallas area either. Luckily, we're in a smaller town and you guys must not have much overhead. So I don't even understand how we're struggling if we're living at home. And yet, going out to eat, what did we spend last month as a household, do we think? I don't even want to f***ing know, dude.

45:34Well, guess. 20 grand. I'd take a guess. Okay, he's retarded. Okay, you're right. That GED will be very difficult. Mama said TV was the devil. Yeah. Like I said, he doesn't know anything about our finances. 20 grand. Zena? I think like maybe like 7 ,000. What are you guys saying? I don't know. It was$800, which is insane for a house that makes no money because you didn't even have this job yet. 7 ,000? Even net with him bringing in money is 6 ,000 a month. Once he starts his job, both of you combined. So what? $7 ,000? I have no idea. So apparently she don't know numbers either. I know. Bullshit alone was$2 ,000 all combined at a minimum.

46:20And there's some unknowns that we'll go through. But what the fuck? What the fuck? I mean, you were spending last month on the income that came in of that$3 ,200. 63 % went to bullshit minimum. And it's probably closer to$70,$75,$80. Okay, what do we think the combined household financial score is? Zero to 10. Zero being the worst, 10 being the best. What do we think it is, guys? I think a three. I think a zero. All right. If you want your Hammer financial score, see where you stand in the world of finances by taking the free assessment at CalebHammer.com. See what you need to do to improve your life or where you're already doing good or where you are just doing horrible.

46:57It's free at CalebHammer.com. And if you don't want to be like a guest who ends up on the show, you'll actually know your numbers if you download the DollarWise budgeting app. There's a free trial to see if you like it. And if you do, sign up for the annual version because it saves a lot of money and it comes with this special little bonus where I sign my personal budget-friendly cookbook and mail it directly to you. Only exists for a couple more months and then it's gone forever towards the beginning of 2026, which this honestly might even be uploaded at that point. So it was like, our backlog's so big these days.

47:24Who knows? So yeah, check that out, DollarWise.app. All the links are in the description below. Yeah, we got to get into this. Okay, CarMax. First of all, CarMax, horrible choice because everything's overpriced. it's brutal no negotiating it's just bad I got f***ing yelled at by her by the way for saying that that price was bullshit and that we needed to negotiate and that we needed to negotiate and then she got you can't negotiate they don't negotiate well and that's when I told her we probably should and also I didn't like the salesman like I there was nothing wrong the salesman was super nice dude he tried to sell a cigar that smelled like cigarettes and you were like okay yeah no I didn't don't detail it afterwards no I mean he did say that they would detail it for free to get this You don't ever trust a used car salesman to do something after you buy the car.

48:09That. Yeah. So what happened? What? Yeah. What happened? He wrecked my car. I didn't wreck. How many accidents now? All right. A teenager hit me when I was driving her car. I had$1 ,400. Do we have the do we have now that we know he lies about? Do we have the police cam of that? Yes. We have the police CCTV. We have the police report. I mean, the insurance found the other driver at fault, so I'm assuming that's correct. Okay, which means it probably covered your car then. Yeah. Yeah, I did. But I only had$1 ,400 left to pay on my car. But did it not cover the value of the car? No, it did. Okay.

48:47But I almost was free of a car payment. Well, I know, but you could roll that value into a small car balance because what did they give you? What did insurance give you? $6 ,000. Okay, and that wipes out$1 ,500. There you go. $5 ,000 to put down on$10 ,000, giving you a$5 ,000 loan. Yeah, that sucks, but that's not that bad. So what was the issue? Because we owe$26 ,115. So it's not like we did the right thing anyway by any means. What the f*** is this? What happened? I didn't pick the car. I had nothing to do with buying that car. That's all. Why did it have to be this car? Because I wanted a car that was going to last a long time.

49:22That could be any car. Not necessarily, but get a car looked at. Yeah. Yeah. Well, my other car lasted me a long time until he wrecked it. Well, there you go. So you know you didn't need this car. I didn't f***ing wreck it. Some chopped-ass teenager that was playing like Fetty Wap or whatever f***ing merged into my lane when I wasn't looking and f***ing slammed into me when he was... All right, so first of all, if you could tell me how it's my f***ing fault that I'm in the middle of a lane and this motherf***er hits me this way by merging into me when I am very clearly there without f***ing using a signal or anything so bad the cop even came out and was like, oh, dude, this is open and shite.

49:58He's 100 % at fault. filled out the police report and then a fucking lady, his mom shows up who wasn't even there and was like, you hit him this was injustice, blah blah blah blah blah all this other fucking bullshit only to come to find out that her son her chopped ass Edgar looking vector from Despicable Me motherfucking haircut ran into me so, not my fucking fault stop saying I wrecked your car some chopped ass teenager wrecked your fucking car listening to Fetty Wap? yeah, alright we need to get Tyler in here Get down, gentlemen. Thank you. He got in a car crash, and he's very upset that they're playing Fetty Wap, but called them an Edgar.

50:38Who do you hate more here? He bought guns because of... Well, no. He admitted. No, we did not admit that I bought guns because of my crazy-ass fucking wife. It has nothing to do with either of these people here personally. So who do we hate more? I think the one in the middle. No. No, no, no, no. He has the haircut of the car crash. It has nothing to do with the haircut. He bought the guns for that. I mean, honestly, I don't have any problem with either of you. My problem is with you. Why? Why? I don't know. You've been f***ing beating my ass up the whole time. Well, it's because you're a loser.

51:15Who gives a f*** about them? We all do. I mean, no offense. Listen, it has nothing to do. I'm sure you're both wonderful. And that was fucked up what oh, okay? So you bring in like the two ends of the stereotype seesaw I'm not gonna hold on. I have all the stereotypes in this office. Thank you Of course, thank you. Jerrymander to fucking bring them back in the tip of fucking yes the diversity hires di EI? Whoa! Whoa! That's crazy. If you want your Hammer racist score, get it at calebhammer.com slash racist. See where you stand in the world of racism, whether you need to be more racist or less racist.

51:57That is calebhammer.com forward slash racist. So, okay, you didn't want to get this car. I didn't at first. Then why the f*** did we get it? Or you said he's crashing multiple cars? No, no, no. He crashed my car multiple times. I did hit a park car once. Why, dude? What are we doing? Being a dumbass. All right. So one was definitely my fault. I'll admit to that. No. Dude, you told us earlier you're going 130. Well, that's not in her f***ing fusion or whatever. You leave my car. That car was a f***ing car. But we know you drive insane. I mean. I've been saying you go 165. I mean, yeah, I did get pulled over going 165 the other day by a state trooper.

52:37Were you not arrested for that? No, I got a warning. Okay, that's crazy. I have the warning in the car too. That's crazy. I do not speed like that. if there's other people on the road. You got pulled over by a state trooper. There were other people on the f***ing scene. Yeah, but that means there were other people around, asshole. No, there wasn't. He was. Right, but if he's hit, all right, first of all, those motherfuckers use stealth camouflage. You got pulled over in the middle of the day. Yeah. So, yeah, people were around. No, there was nobody around. Yes, there were. Because, yeah, you were on the toll road.

53:02It's impossible. Open stretch of highway on the f***ing toll road. Texas, toll road, no one around. F*** you. Always somewhere. All right. So, there were some people around, but at the same time, like, I f***ing, Again, with the lying. With the lying. It's a Ford Edge 2022. Yeah. $26 ,115. Mm-hmm. Oh, 14 % interest rate. What the fuck are we doing, guys? You're going to be pissed at mine. Oh, for fuck's sake. With a minimum monthly payment of$534.81. What are we doing? I don't know. What are we doing, Zena? Okay, so the interest rate was going to be 19%, but my dad co-signed for me. So he doesn't have the best credit either.

53:39So that's why we got 13%. but I wanted a good, reliable car that was going to last a while. Good, reliable car, and you got a Ford? Get a Toyota. Thank you. I couldn't find a Toyota within my price range. You went to CarMax. You couldn't, like, everything's out of any reasonable range regardless. I mean. Because they're all overpriced. What do you think it's worth? Like$20 ,000? $18 ,000. I was going to say, yeah, it's already depreciated. We're seeing$18 ,000. Ooh. Yeah, I mean, Edmunds is appraising it at$18 ,123, and we find them to be the most reliable source for valuing cars better. I agree.

54:12So that's what we use now. You agree? Yeah, I agree. I've used them in the past. Exactly. Edmonds is great. So that's what we started using now. So$18 ,000. Which I told you. You don't have equity to trade in. I mean, that's a good place for equity trade-ins, but it's not right now because you don't have it. Yeah, and I put$3 ,000 down on it. But you got$5 ,000 for the car. I gave my dad. No, you got$7 ,000, but$5 ,000 afterwards. Yeah. After the paying off the last... Well, I gave my dad$1 ,000. How many people live in this house, by the way? It's four. I thought you said sibs. You got siblings.

54:44No, they're all married. Oh, they're all married. You guys are married. Yeah, but they like live in their... They're adults. Yeah, they're adults. Yeah. What do I see past due? No current amount due. Woo, got nervous. Western funding. What is this? That's my car. What is your car? A bubble car. A giant f***ing money pit. What kind of car, asshole? Volkswagen, GTI. Autobahn it's a fast car it's a turbo car what's it's 0-60 2.3 seconds on gravel that's ugly as on gravel? yeah that's the only place I've tested it okay I mean it's a fast car it's a piece of shit it's the first time someone's come in and actually is able to yeah that's why I was talking shit about your Tesla beat my well yeah I'm 2.5 I mean we're close enough we're close well you owe $17 ,479 on this death trap with a minimum monthly payment of $493.47.

55:41And what is this interest rate? Because you said it's horrible. It's stupid. I think it's like 19. What are we doing? Why? When did you get this and why? Why was he driving your car and broke it? He has this. So here's what happened. Because his car was in the shop. So I had a Cadillac. Oh, this story is so fun. You have a sticker on it that says, only gay cops pull me over. And they didn't give you a ticket? No. Maybe they found it funny. I had a Cadillac. Wasn't paying attention one day. Was speeding. Came around a corner. Saw a bunch of brake lights. Too late. rear-ended somebody totaled the Cadillac.

56:10So after I totaled the Cadillac, which was also a performance car, I went and dad insisted again that we go to this one motor. Is it here? No, it's not here. I didn't drive it. What the f***? I didn't drive it here. Yeah, but it's an interesting topic. We could have taken a look at it. I mean, well, I wasn't sure it was going to make it up here. What the f***? Okay, so like... You owe an 18 % interest rate loan with $500 a month,$17 ,479 balance on a car you don't even know if it'll make it here? Well, okay, so we've had it, and look, dude, this was the stupidest fucking decision I ever made, but my dad was really pushing for me to get this particular fucking car.

56:47I wanted to go, she wanted to go look other places, I wanted to go look other places, but dad was like, no. Why do we give a fuck about this guy? You've already decided he was bad a long time ago. Well, it took like, it took a big fucking... Why did he want this? Because, okay, my parents, like, both of them drive Mercedes they can't afford, okay, like, they're drowning in f***ing debt because dad used to be rich. And so it's the opulence thing, right? Dad was like, no son of mine. I just looked up the picture. It doesn't even look that cool. But dad, it's not. And I actually kind of quite. No, hold on.

57:17Because you absolutely wanted this car. I quite like it. Yeah. He was like, I want a GTI. There we go. That sounds like the real reason. But we only had, well, we had two options. It was either a Buick LeSabre, which would have been a better choice. Or there's a lot more cars actually out there. But dad was like, you need to go to this one place. and if you do not go to this one place, we're going to have problems. I do not get what dad says. Okay, look, I'm a piece of shit. Like, we've acknowledged that, right? And so, like, one of the only things in this world that gives me peace is speed. And I don't know how to...

57:49You have seven escape and evasion incidents on your record. Not anymore. Not anymore. You've had. That's insanity. Yeah. I mean, look, if you know they can't catch you, what's the point? They have. No. Okay, so the only reason they caught me, and first of all, that was when I had my motorcycle. So I had a Suzuki high abuse set. How you're alive, I have no idea. Also, by the way, your equity position, according to Edmunds, is literally$7 ,000. Yeah, that car. No, I should have never bought that car. You have no equity. You're underwater by$10 ,000. Yeah, it's f***ing stupid. Oh, my God. You didn't know that?

58:21No. You know what? No, he said that his car was worth like$13 ,000. So I was like, okay, maybe like$5 ,000. But to find out that it's only worth$7 ,000? After we put well over$10 ,000. parts. In six months, we've owned it. Income tax? For 2021? Yeah. For all... 2022. Oh, for F432 and not one, but for the last three years, who's owing income tax? We both are. Whoa, hey. For once, I'm not the f***ing target here. There's another person sitting at this table. No, hold on. That's for both of us. That is for both of us, actually. You don't get enough taxes taken out. because you don't know how to fill out your W-2.

59:08Wait, so that would be on you then? No, no. I mean, I think it's on both of us, obviously. I was going to say, this might be an equal blame one that I'll take. Well, do you put it off a sign? Fuck no. No. Oh, then what the fuck are you doing? Why don't either of you? Well, this year I had to go tax exempt because I wasn't making enough to cover our bills. So I know for next year we're definitely going to owe. Well, this is a bill. Your taxes are a bill. You don't get to choose paying taxes. I've never had to pay into taxes. So when it started, I was like, I can't pay this. And so it's just progressed over each year.

59:40What the f*** are you doing? Yeah, you owe taxes to the federal government of$2 ,207.61. That's over the course of three years total. Are you on a payment plan yet? Yes. What's the monthly payment? $100. Oh, for f***'s sake. That's going to take forever and interest and fees and bullshit. Usually they're Fed rate plus two, three. So what are they at? Seven, eight, nine percent. something like that. Yeah. What a mess. Easy pay leasing. What is this? That is his car repairs. We had to finance it because I couldn't afford it. Not happy about it either. Why'd you get into this car? Oh, we already went over it.

1:00:19So when I got it. What a stupid thing. Why didn't you just give up? Star over. Repo. F*** it. What did I f***ing tell you he was going to say? Then what are you going to drive to work? Because I f***ing, I have said for the one. No, I agree. I would have done that in the past and then trying to figure out a car situation. Like, dude, I've told her many times. We just need to. You're also f***ing past due on it. So. No, we're not. Yes, you are. Yeah. Asshole. It's bi-wool. What the f***? It's your debt. Like, it's like I have to figure out what bills I can pay. Because I'm having to pay like$177 for a car repair every two weeks for you.

1:00:52You're not going to make it money. What are you complaining about, bitch? I mean. How can we pay bills if we don't make money when you sat on your ass and played video games all night? Mama 3 all night. That's fair. Fuck you. I have a feeling you don't have any room to talk. Because you don't even know our finances, actually. I don't even want to be here. Like, you dragged me on this show. So what are we doing then? I understand why you wanted him to come on. But if he doesn't want to be here and he doesn't give a f***, then you're never going to make it. It's not that I don't give a f***. It's just like I don't have answers to all this shit.

1:01:19Well, we're here because I'm hoping he will realize that he needs to get his shit together. Otherwise, our marriage isn't going to work. I agree. What's the ultimatum? Because there should be. Like he needs to get his shit together. Otherwise. What does that look like and by when? Like hopefully within the next year you get your shit together. Because like we want to start a family, but obviously we can't. Okay, what does shit together look like? By end of 2026, what does this need to look like for the marriage to continue? Because that is actually valid. Not out of love, but out of she doesn't want you dragging her down the rest of her life.

1:01:48And that is fair. And I can understand that. So what is the ultimatum? Divorce? No, no, no. What do the finances need to look like? What does he need to... What does it need to look like? What does... What he does look like? Come on, use that degree brain. He needs to understand our finances. He needs to realize that he needs to work harder to get a better job. Okay, but what does he have to do? What does it need to look like? What does he need to commit to? Like, do you want me to go to fucking school? Like, what do you want me to fucking do? Yes. All right. That's what I told you to do. I know you know what ultimatum means.

1:02:16School for what, though? Like, that's very broad. Like, I want him to figure out what he wants to do with his life. He's 31. I agree. You need to figure out what you're doing. Like, what the fuck? You have nothing. What are your interests, dude? What are your interests? I mean, I'm really, really good with electronics and vehicles. Okay, then do something in IT. Or be automotive. Be a technician. Dude, I have a buddy that just went to school for fucking welding. and he makes the same amount as I do without a f***ing degree. I guess he's a shitty welder, but... Well, I don't know. I can't speak for welding, but I do know that in the car industry, if you're actually working for a successful business, you can do well.

1:02:50I mean, I would love to do automotive or IT. Then do something, dude. Why not? You already, you know... Okay, that's what he selected. So he knows what he wants to do. Then do it. But I mean, school costs f***ing money. Yeah, you can get student loans in your position. But I thought student loans were bad, Caleb. What? every time I watch this show the very few times I have. And you haven't watched and you're a moron. It is debt. What is bad is borrowing for bullshit. What is bad is borrowing for a bullshit degree. Borrowing to go to a college just for the sports team. Borrowing to spend on things like cars and stuff which many people do with their student loans.

1:03:24If you're going to trade school and you're getting some student loans which might not be subsidized but some student loans from the federal government which I think you would qualify for you'd be fine. If it has a return on investment. Want to know a dirty little secret? And no, I'm not starting an only f***. 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.

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1:04:34And second, my investing app of choice these days is Webull and get a 2 % match on all of your money that you transfer over. And finally, sign up for automated investing with Acorns. Typically, the signup bonus is only$5, but with my link, you get$20. Ladies and gents, you get money. I get money. Enjoy. Links are in the description below. I guess I just haven't, like, I've always thought it would be like unobtainable based on our financial situation. The general rule is never borrow more than you'll get in the first year of income based on the job you get from your degree. Right. I mean, I would love to be like a systems manager or something, not have to do with people.

1:05:10Let's do it. Will he do it? Probably not. Let's make a bet. You like to make bets, right? Make a bet with her. She's betting she'll divorce you. Okay. I literally, we had a bet like a while ago that I would let him get a motorcycle if he got a good paying job. What's a good paying job? Like more than me. Like 30 an hour. So school needs to start by, let's say summer. Summer or fall. Okay. At the latest. That should be the ultimatum. And he needs to complete school. That is also the ultimatum. Okay, but if I complete school, it might be a certification. It might be college. It might be trade school, depending on what you're trying to do.

1:05:47But yes. But let's make this interesting. If I... No, I don't give a... You're literally fighting for your marriage. That should be interesting enough, asshole. But also, I think it would be fun that if... I don't care what you think. I just want you to get in the front seat of the car with me. I don't know. I would never. Nobody wants to do that. Come on. That is the last. I am scared. Don't be scared. That is a rational fear. I'm scared. I don't let him drive anywhere. You drove down here. Yeah. I drive everywhere. I'm not allowed to drive. What is, well, your past due on this, what is the overall balance?

1:06:15Because I don't even know that. I think it's like 3 ,000. No, it was, so it's originally 2 ,500, but if we don't pay it off within the 90 days, it adds like. 90 days? When was this? October. Yeah. So 90 days is imminent. December 2nd. And what will the balance be then? It will add$3 ,000. It'll more than double. Yeah. It's one of those predatory loans. That you chose and signed on. We didn't really have. You didn't have a choice. You have a choice to let this car just die because it's going to cost you money forever. I know. And also, I thought you said you can fix cars. I mean, you can, but you can't fix a f***ing blown turbo in your garage, dude.

1:06:54That wasn't even for the turbo. And you can't fix like a fucking block seat issue. You can't fix a fucking like, no, this car is a piece of shit. So is it$164.06 every other week? No, it's like, now I think it's like$177. Well, yeah, probably fees being added. Yeah. Okay,$164.06 times two. So every month it's$328.12. Listen, I'm a little confused. if we have to pay off$2 ,500 in 90 days, why are we past due on the most critical debt of all? Because it'll more than double in about a month from now. Because I didn't have the money for it. Well, because he wasn't working. But we still spent$2 ,000 on bullshit minimum.

1:07:43Yeah. So wait, what are we talking about? I think$2 ,500 minimum, actually. So what are we talking about? Like, phew, you did have money. Who's spending? Who's the spender? Yeah. So, f*** you, there was money to actually pay this off. Oh, you're so f***ing quiet now. You're talking all that f***ing shit earlier. Yeah. Your bullshit spending in one month could have paid this entire thing off. Yeah. Well, some of it wasn't bullshit. Bullshit. Oh, no. Let's pull up the Amazon. No, no, no, no, no. I'm so happy to give you this f***ing. Miscellaneous bullshit and going out to eat was$2 ,500 total. I'm so f***ing happy to hand you this Amazon list.

1:08:14Miscellaneous$1 ,218 and 60 cents plus $804.17 for going out to eat. So, bullshit at a literal minimum, literal minimum right now is$2 ,022.77 at a literal minimum is bullshit spending, but there's thousands of unaccounted for that we don't know yet. Unknown shopping is$642. And an additional$500 that we do not, we're not able to allocate, an additional$1 ,100. Say Amazon? Sure, let me see the Amazon. Payment revision for half this shit. For amazing grains for... Those are dog's food. Things of cheese sticks, I think. Those are for dogs. We got some yarn coming in. That's his cord. Dog harness.

1:09:04I'm sure we didn't have one. Erase, dry erase markers. That's probably not needed. Same with a whiteboard. We don't need that to survive. I've got it for work. Peppermint pearl foaming gel. I don't know. But work. F*** off. Have them get something. Good molecules, hydrating facial gel. How many do we need? Good molecules, good molecules, good molecules. We got like a thousand different good molecule things. Skincare. Yeah, but you got like a thousand different things. No, I didn't. Yes, you did. One, two, three, four, five in one day. Different things. When we're literally trying to prevent adapt from more than doubling, picture frame didn't need to survive.

1:09:35That one was me. Gift card in a box. We did not need that to survive. That was a gift. Magneted iPhone pro cover. I can do that if it prevents us from... Is this phone new? No. Yes. not new new no no i uh probably had it seven eight months maybe that phone case was for my phone is your phone new no okay usb cable charging brick uh usb cable card holder uh cable clips we didn't need that to survive 10 grips 9 11 comp that that yeah i had to get well i didn't have to get anything. I bought some new grips for my gun. Some 9-11 grips? 19-11. It's the year it was made. You're making me nervous here.

1:10:20More phone case. Oh, but that's being returned. I mean, they did make me leave my bag outside. There's more skin care. Body lotion. Dude, all your skin should. It's like we're up to seven now when we're trying to prevent a debt from paying off. Neon loop band. I'm sure you had one for your watch. Screen protector for the watch. I mean, that's maybe okay. More Himalayan shoes for the dogs. I mean, they don't need treats 100%. I will say that So that, I'm going to defend her here. We have a dog that is a fucking demon. She's half Italian Greyhound, half Chihuahua. If we don't get her those chews, she destroys the house.

1:10:53Okay. So that's the only thing that keeps her from fucking tearing everything up. We don't need that. Hole punches, we don't need it. Gatorade powder hydration shit. No, no, no. Listen, you're doing gamer subs from now on because one, it's cheaper and two, it tastes better. It's 40 cents a serving or 35 cents a serving, whatever it is. You can get free samples just like this to see what flavor you like. link in the description below gamersubs.gg type in code Caleb so this is the energy drink version so you can make your energy drinks at home but there's also the hydration drink version and they taste better than Gatorade trust me as someone who used to like Gatorade but now only drinks gamersubs it's f***ing awesome so no more of that yeah it's all bullshit that's a party shit yeah it's just it's so much bullshit it's endless we can't be doing that if we're afraid of a debt being doubling and I mean you can see it's unacceptable I ordered like two things out of that whole f***ing thing the rest is all weird yeah it's unacceptable like unacceptable Acceptable.

1:11:41Yeah. Well, some of the stuff was needed. No. Barely. Barely. I mean, like, the act shoes is the only thing that I can like. Yeah, a couple things. Like, because our dog, she is a f***ing menace. I love her dearly, but she's a feral child. Okay, well, we owe$990.33 on a Sam's Club card, which is maxed out with interest accruing. Takes three years to pay off with minimum payments only without purchases, and I'm sure when there's the ability to purchase, you'll do it. Yeah, unfortunately. You've had late fees this year, about two. Oh, I didn't know that. Why? You're the one that manages the finances.

1:12:18You're the special finance person. Yeah, I didn't know there was late payments though. Two this year! I didn't know. So the one that... How's there any chance if the one that is managing the finances doesn't even know about the late fees? Well, I mean, sometimes it's like I have it set up on auto pay. Yeah, you probably didn't have enough in your checking account. No, probably not. That's why. I probably have a lot of like this. What the f*** are we doing? Don't make me lose hope here, guys. What's Indigo? It's another credit card. Yeah, but like what's going on? That was one of the credit cards that I took out.

1:12:54Oh, it's over. It's over the limit. Yeah. What the f*** are we doing? $754.41 limit, 700 fees. Prestige, Uber Eats. We're Uber Eatsing on a credit card that we can't pay off that is getting fees because we're not able to pay on time and is accruing interest. F*** you. What are we getting on Uber Eats? F*** off. Sometimes I'll get lunch at work. No! Pack a f***ing sandwich! I know, I need to. That's it. It's easy. It's simple. It's basic. Late fee. Just so we can order Uber Eats and get any vacant smoke. Is that you? Yeah. I will say I do. Dude, what the f*** is wrong with you? You're trying to die.

1:13:27You don't do anything in your vape all day? What a f***ing joke. Two years to pay off if you don't purchase, but you do on Uber Eats. What a joke. And he was mad on the phone call with Colton when Colton was asking, what you Uber eat. Pisses you off? It just seems stupid when she spends a bunch of money on groceries to take a fucking... Well, I have to wake up at four o 'clock in the morning. My goodness. I don't give a fuck. I can't say much the night before. Shut the fuck up. What? Shut up. Be an adult. I don't give a shit. You live with your parents. Shut up. I don't care. That's a dumb ass excuse.

1:13:55I don't give a fuck. Make your schedule switch around when you're... Oh my gosh. You've had a late fee every month this year so far in this car. Yeah, probably. That's a joke. It's a pathetic joke. Pathetic joke. Pa-the-dick joke. Well, I mean, I'm the only one making an income, so it's hard to pay all the bills. Yeah, but you're Uber eating on the card, so no. Fuck off. It's at a 35.9 % interest rate of death. Kill me now. Milestone. What's going on? Another credit card I had to take out. Yeah, but now that I know we're doing Uber Eats on it, the had to take out, what are we talking about? Had to take out.

1:14:42You didn't have to do Uber Eats. $675.31 on a limit of$700. Minimum payment,$47. Oh, closing Indigo minimum. I didn't write it down. Minimum for that is 80. So he's just starting to stack. Oh, shit. I didn't write it down the Sam's Club one either. Okay, Sam's is 40. Okay, and then again with the milestone card. Great. Fees, interest. purchases two years to pay off and it's another Uber Eats pull up your Uber Eats now I don't have my phone with me it's in my purse yeah let me see let me see yeah yeah your f***ing turn dude McDonald's yesterday yeah McDonald's yesterday McDonald's breakfast yesterday for$20 and then two days before that Grant and Barry two days before that Grated Barry.

1:15:3826. 26.58. And Jersey Mike's one day before that. Oh, the Chipotle, the McDonald's, the Taco Bell, McDonald's, McDonald's, McDonald's, Panera, Subway. Oh! Oh, you even celebrated 9-11 with Panera. Slayed on every month this year so far. Is this another Indigo, or did I? Yeah, it is. I have two of them. What the fuck is happening here? It's over the limit! Yeah. Is there hope here, ladies and gentlemen? There must be. Listen, I'm going to put you guys through our Master Your Money series where you got our Master Your Debt, Master Your Investing, Master Your Budget, Master Your Real Estate, everything you'll need to know in the world of personal finances.

1:16:20I'll put you through it for free. Calebhammer.com for you guys, obviously. And it comes with the dollar-wise budgeting app premium version as well. But you guys got to start learning the basics because this is a disaster. The Uber Eats is insane. The lack of budgeting, the not knowing about late fees, insane, insane. and you are taking the classes together, guys. It is not an option. Take them together. It has changed tens of thousands of people's lives for a reason. Please take the quizzes, go through them, be very intentional. It'll take you hours because it's literally five classes, five extensive, very detailed, made-by-financial professional classes with me as the face and voice, but it's okay.

1:17:02Okay, fee. Oh, my gosh. Yeah, it's fees and interest. Okay, so let's see. 565.12 cents. On a$500 limit with a payment of$40 is due. Late half the month this year at a minimum. 30 % interest. Over the limit. What an insane. Okay, Quicksilver. Whose is this? What's going on? All of the credit cards are mine. Oh, you wouldn't go get a job. You're a piece of shit. You owe 508.94 on a 500 limit with a minimum to pay on a 25. Three years to pay off if we don't purchase. I'm sure you do. There it is. You did. 68 bucks. Let's see what we got. You went into Kroger and spent on a card that was maxed. I don't know what I went in there for.

1:17:48Why? Probably groceries. Do Uber Eats every second of your life? Sometimes Uber Eats and then I look and it's almost every day. It's every other day. Minimum. Interest, you're late half the months this year so far. What a f***ing joke. 30 % interest rate. Credit one. Who is this? Or what's going on with this? By the way, credit one, worst of the worst of the worst of the worst. If you have this year, the worst credit card person ever imaginable. Yeah. Shocker, we're over the limit. Yo, 473, 36. Limit 450. Minimum do 90. Well, usually 60, but you pass to 30. Nope, normally 30, but you pass to two months.

1:18:28Why? Yeah, I pass through every month. You're late every month. Joke. What a joke. What are we doing? Why wouldn't you want to step up and at least get involved in the numbers? I understand you weren't working and being a piece of shit, but you're home all day. Why can't you sit down and look at shit? Huh? She says she had it handled. Why'd you say that? That's objectively incorrect. She says she had it handled. Well, that's because he won't take any part in our finances whatsoever. Blame, blame, blame. None of us are able to say, yeah, I f***ed up. You know, I should be more involved and that's kind of why we're doing this.

1:19:19What a f***ing joke. Mattress firm? So you go through one a month. 2 ,000. I mean, hey, you know how I got this f***ing fat, Caleb? Every time I f*** your mom, she makes me a sandwich. That's how I got this f***ing fat. So if we want to keep going with the fad jokes, we can go there. She is way out of your league, my friend. She would never touch you. I mean, are you sure? Because I was dating my buddy's mom in high school. So, like, what's f***ing you? Well, that's very weird of you and your buddy's mom. Listen, I haven't posted a picture of my mom on social media, but I did post a picture of my dad, and the f***ing chat lost their damn minds and gooned.

1:19:54So they're out of your league. $2 ,068 owed on here. $71 minimum fee payment. Three years takes to pay this off. Is there deferred interest happening? No, it's interest-free. Okay, then if there's no deferred interest, then I'm not freaking out about that. Oh, my gosh. This Target has to be the smallest text I've ever seen in my life. $295.53.

1:20:25$295.53. it's up because you purchased and then fees! Oh, you guys can't do anything. Both of you are a complete disaster. You can't do anything. $41 is the normal minimum payment, but we had a late fee. Who's surprised? You guys can't do shit. Okay, a regular Capital One. My gosh. And with$44.72 of purchases. Why? $286.84 owed on here. Limit. $300. Both of your credits must be destroyed. $25 payment. Uber Eats and DoorDash. Hey, pull up your DoorDash now. I don't have the DoorDash app anymore. Motherfucker. I don't. I don't use DoorDash. We're about to check that because I'm pretty sure she still has it on there because I'm pretty sure I saw a DoorDash thing come through literally the other day.

1:21:07No, it's just great. We've been late. Let me see here. And it's destroyed. Oh, so you deleted that shit before we came over here. No, I haven't heard it. Let me end both y 'all's phone real quick. Xena has AppleCare Plus. That's okay. But then two AppleCare Pluses. iCloud Plus. That's fine. Lose it. you do not need to pay$40 for weight loss. What are we doing? I don't pay. Just get, get, what? Yes, you do. It's right there. You tit. It's literally right there. And you also just signed up for it this month. I thought it was free. Or you signed up for a year ago. I don't know. Sure. Well, ad block, but you canceled that.

1:21:41Apple cares. Okay. You pay for GPT. I love GPT. It's fun. It's fun. I use it to like make my resumes when I was applying. Oh my, what a joke. Well, I mean, like if you look at it. My Cloud Plus. Listen, you just can't afford shit. I'm glad you at least canceled Discord. I think that's all your debt. We have negative$86.36 in our checking account. Yep. What is happening? Then why does this page exist? Because if it's highlighted, it's bullshit or potential bullshit. Why does this page exist if we're negative$86 in our checking account? Why? Why the f***? Possibly. Barbecue. Velvet Taco. Bojangles.

1:22:22Amazon. Amazon, Appleville, Amazon, Brahms, Whataburger, Appleville, Amazon, Costco. Well, Costco, maybe that was groceries. Maybe it's not. It's kind of cheap. So I don't know. Torrid, Appleville, Amazon, McDonald's, pop shelf! Get in some bullshit. Get in some bullshit. Go in and get in some bullshit from Q2. QT, Amazon, TJ Maxx, McDonald's, bullshit. McDonald's, PayPal, PayPal, Appleville, Appleville, bullshit. You stop it in at 7-Eleven to get in some bullshit. $3.79, probably energy drinks, right? Yeah. Yeah, you're making them at home with gamer subs now. $0.35 a serving. Apple, my booster.

1:23:00There's not anything on here that is necessary. Any other negative? The pirate ship is like what we use to ship out our orders that come from the jewelry business. Cancel it. You don't know what you're doing. Amazon, Sionic, Dutch Bros, PayPal, PayPal, and more distribution. Heat, HTO, HTO. Apple bill, bullshit. McDonald's bullshit Actually that one was gas I'll get you that one National Enterprise Pirate ship Panda Express Bullshit Mexican Amazon Amazon It keeps going Fine jewelry $218 What are we doing? No that's for his business Shut the fuck up business You don't make money Target Gay jewelry Yeah Pirate ship Flat wearable Apple Chewy Pawn Pawn 380 pawn Dutch Bros.

1:23:50That was a gun. H.R. Your gun. Laters. Withdrawal was rejected. Taco Bell going into some BS. Mr. Dumplings. Vape and smoke. McDonald's. Gems. Oh, it keeps going, yet we're negative. You guys are morons. You guys are uncontrollable. You guys are living at home with your parents. Pathetic. Taco Bell. PayPal. Taco Bell. Apple. Apple McDonald's. Brahms. Apple Bill. Dutch Bros. Sushi. Amazon, Whataburger, Pirate Ship, Apple, TikTok, Sam's Club, McDonald's, bullshit, bullshit, bullshit, bullshit, bullshit, it keeps going. Oh, which are all rejected, yet we're going and getting bullshit every fucking day, multiple times a fucking day.

1:24:34Chick-fil-A, Chick-fil-A, PayPal, Dunkin', bullshit, bullshit, Dunkin', Apple, Apple, Amazon, Dunkin 'Ball, Pirate Ship, Apple, Apple, Rachel, oh, that was gas, PayPal, Apple, bell. It keeps going. Apple, Apple, Apple. I don't know what you're getting with Apple, but you're Apple paying constantly. I would have to look through that, but I bet it's all bullshit because I'm sure you're somewhere. In other words, you're all rejected. Who would have thought bullshit? Taco Bell, Dunkin', Amazon. What a f***ing joke. And that's it. I don't see retirement. I don't see savings. You guys are done. No. There is no way.

1:25:09I'm gonna try to budget this, but But with your behavior, good luck. $6 ,000. Do you have to pay rent or utilities to the household? We do. What? How much? We pay 800 a month. Is there not like a cheaper one bed place you can live in that small ass town? No. No. Debt payments. Let's figure this out. Good luck. Your minimum on debt payments alone. Which, by the way, you$1 ,855.40. What's your phone bill? 216. 216 or 260? 216. Tell him why. I don't even give a f***. It's important. We also pay his parents' phone bill. Die. Die. Die. I don't even talk to him. She's the one who chases the f***ing pay.

1:26:06Die. Die. How do groceries work in this household? We buy our own groceries. 600 dollars for groceries. Use the meal plan. Gas, vroom, vroom, drive, drive. I know you guys drive far. How much for each? Like. I take about 40 bucks every two days. Every two days? When I'm actually working. Oh, yeah, because you're speeding. A month. A month. How much in gas, asshole? I think probably like 500 a month. Both combined? Yeah. Car insurances. Ooh. Our car insurance is very expensive. How much? It's$636.

1:26:45$150 TP fund. Anything else to survive? Are there co-pays for medical things we're doing quite often? Yes. How much a month? $100. Is there a gym? No. Obviously. Subscriptions. I will try 40. You have pets? Yes. Yeah, that's right. The dog, right? Just one? Ages and health? One of them is a year old. She's perfectly fine. Other one? He's six and he has IVDD. so he doesn't I don't know if that qualifies I'll at least give$50 for pet insurance yeah how much for pet food uh 70 a month anything else that needs to be in your budget that's not gonna work uh I don't think so do you think can you think of it no probably not yeah I mean you guys still have a thousand left over will your parents not will your parents let you live there for free for a second yeah if what under under the only agreement that they allow you that they only do that if you're getting your shit together.

1:27:42Yeah, my dad has said that he would not charge us rent. Okay, well, he got an extra$9.82 a month. Well, let's take away that$800 as well for rent. It gives an extra$1 ,782 a month. No bullshit spending, no nothing. Your guy's debt is ruined, destroyed, kill me. It's horrendous. Yeah, this is your behavior. Like, if there's any indication, like this is one of the most disastrous behavioral things I've ever seen in my life, which is why I'm like, the fuck luck, guys. But, I mean, yeah, I mean, you can take care of it. You can take care of it in about three years, which is not that bad. It's fine for most adults on this show.

1:28:19Go work, get, you know, put in some time for school, get some extra money on the side, then get a better paying job, get some raises, get a better paying job, work on moving up in career. You can probably pay this off in two and a half years, but it all comes down to behavior change and nothing in here shows any behavior change. Use the DollarWise app. Good the fuck luck, guys. then get a fully funded emergency fund. Then you need to live 50, 30, 20. Maybe go out and live on your own. But you got to at least start contributing 20 % to retirement once we have that six month emergency fund after you pay off the debt and do it after three years.

1:28:48But that's it. That relies on behavior change. So I don't know. I did just get a second job too. Well, good. Because that'll help speed it up. But none of that matters if we don't blow all of our income, which is what you guys do. Join us in the post show. Let's get the hammer financial score first though. Spending your budget, you overspent debt, IRS 0 out of 10. Emergency fund nothing 0 out of 10. Retirement nothing 0 out of 10. Okay, hammer financial score. Easy as it gets. 0 out of 10. Click that join button. For an extra 20 minutes of this episode, there's always extra hidden things that we'll talk about with the producers.

1:29:21And three premium shows posted every single day, Monday through Friday. I'll see you there. No, you lost your old apartment. You own the f***ing to them. You own the f***ing to your old f***ing apartment. I think it's kind of f***ed that I only knew about a few of those credit cards. You've known about a few of them. A few is not all of them. What is this? We're doing the whole schoolyard thing. What's that stupid smirk off your face? Talk when your hairline goes back. The only reason you're yelling at me is because there's a room full of people. Yeah, because it's the only time I feel safe. Normally I argue with a table in between us because you're crazy.

1:29:56Thanks for watching. For more premium content, join Hammer Elite this month for free and discover what the number one membership on the platform has to offer. See description for more details.