This Has Never Happened Before | Financial Audit

26:02Now, she has said to Lindsay that she feels like she was bullied to get this house. Would you say that's correct? Yes, because like I said, we wanted to buy in a different location, but they wanted to live on their end. Why the f*** did you guys get it? You didn't have to get a house with them. Well, we only had 30 days to move out of that other house. Okay, rent another house. That would have made sense. There are more than two houses in Indiana. Yeah, that's true. Not the biggest fan of the state because nothing's going for it in any way whatsoever. People from Indiana, Hoosiers. I'm kind of kidding.

26:38Just Michigan's better. Whoa, he has trouble with the snap. And the ball is free. It's picked up by Michigan State. We thought it would have been smarter just to buy a house. I mean, I'm sorry. If a state has the city of Gary, Indiana, it has to be the worst state. It has to be. I'm sorry. It has to be. No other city is like Gary. Detroit? Look up Gary. No, Detroit's bouncing back. There's no such thing as Gary. Gary's got hit by a nuclear bomb. Guys, look at Gary.

27:09Just Google it. It's insane. I've never driven by a city that smells. Smells. You drive by a city that smells? Yeah. How can an entire city smell? How is that possible? It's crazy. It's crazy. I've never experienced it in my life. How does it feel, though, that in this relationship, it kind of seems like Anna's prioritized her parents over you and the children? How does that feel? I don't think that's true. You don't think so? No. That's how it kind of reads at this point, on the compromises and being bullied into it and now prioritizing kind of them versus selling the house. Well, I think she carries everything on her heart, and I don't think she pride towards her parents over us.

27:56Well, most of the debt you guys have is because of the decision she has made with her parents. That is true. I don't know how you feel about that. I'm not always happy with it, but I try to help out as best as I can. All right, we're going to put the headphones on you now, sir. Okay. Let's give them the Notre Dame foot fight song on repeat.

28:21What is it?

28:29Rudy!

28:32Rudy! Okay, tell the story. The remainder of the story from where you landed, ended up. The house. You have to get the house and the current situation of the house and what you want to do with the house. Okay, so we wanted to move closer to like where we wanted to put the kids in school. But my dad said because he was putting the money down, he wanted to move closer to where him and my mom worked. Now, why the fuck would they get to choose? Why would you get a house with them? Because at the time we didn't have an option because we didn't have the cash to put down. Believe it or not, there's buying and there's renting.

29:05These are both different options. And you could have done this one. So that's incorrect. I have a really bad, I'm a people pleaser when it comes to my parents. I know. I feel like you were not, were you bullied into this? Yes. Lies. I feel like there were conversations and you people pleased and you could not stand up for yourselves. Not bullied. I didn't. If it's bullying, tell me how it's bullying. I feel like that's taking a victim complex.

29:34I didn't at the time see another option because we had the kids and I didn't know what to do people with kids don't rent there wasn't a lot of options to rent there was not options to rent where we were at so we took the option it was a suburb of where we were at a suburb of Indianapolis there was nowhere for us there was nowhere for us to that's the best option that we had we took the best option that we had Okay. And it was supposed to be a year. It was supposed to be a year. We were going to stay. By for a year? No, of my parents and my brother living there. They put the money down. They put the money down, but it was in our name.

30:12Why would you first of all, like, okay. That was the agreed upon. That was the agreed upon. On paper? And then they were going to. No. They were my parents. I mean, I'm sorry. It has to be on paper. Well, I understand that. I get that. But then. Okay, so now what with the house then? So a year turned to six years. and it was us paying for... Yeah, what do you want to do now? Everything. Well, no, they pay the rent. They pay the mortgage. They, well, it was six years of all of us living there together and we paid for everything. Okay, well, great. You don't now and they still pay for it. Fair enough.

30:45Now what? They took a, they went and they filed for bankruptcy behind our backs. Well, well, hold on. Why would you need to know they filed for bankruptcy? Because we're locked into that house. Yeah, but they're not on it. But they were supposed to buy that house. Okay, he didn't seem to know that. Okay. That was the agreement. They were supposed to buy that house. We moved into the house that we're in now. Almost, it'll be three years in November. Why don't you just sell it?

31:17Because I'm a pushover, Caleb. Yeah, you're not bullied. You're a pushover. Listen, here's the thing. You got an equity position of about$150 ,000. They put about$45 ,000 down, correct? $4 ,500. $4 ,500. Uh-huh. $4 ,500. Yeah, sorry. That's what I meant. And you got about an equity position of $150. Let's call it$125. You walk away with it. Take$100 ,000. Put it, you know, take that. Do whatever you want with it. Pay off some debt. I don't know. Maybe change your behavior before you do that. Give them$25 for the time and everything they've put in it. Yeah. You know? Boom. There you go. They can take that.

31:48They can put a down payment on a house. Bankruptcy situation? Maybe not. They can take it. They can take it. They can go rent. They can do whatever. It doesn't matter. But the house isn't, there would be, I can't afford to pay both mortgages. Like I can't afford, but I can't, I don't know that it would sell right now. Like I don't know how long it would take to sell. And there's the house isn't like there's work that needs to be done to it to get it to be sold. And like, if they just walked away, they don't take the best care of it. Like it needs paint and it needs cleaned and it needs probably like flooring and...

32:21Okay, flooring could be questioning. Yeah, and we don't have the money to put the work into it. Not necessarily. People put a fresh coat of paint on there, get it clean. That's pretty easy. That's easy. That's relatively cheap. You get a third party to do it. I know that might cost a little bit of money, but you walk away with$100. Listen, it's usually... I'm afraid if I sell it... They're walking away with $25 ,000. But you don't know my dad. I don't know your dad. You do. How about you have a conversation with him and say you guys want to do that? conversation with him. Okay, then I'm sorry.

32:52It'll piss him off and he walks away and then I lose my mom. He gets pissed off that you want to talk? That doesn't make sense. What does he get pissed off at exactly? He's not a reasonable person, Kayla. No, no. What is he getting pissed off at? Everything's his way. It's his way always. What presents something to him? You can't. You can't have a conversation. But what if he likes that way? He doesn't. Everything is his way. He won't like any way? No, he wants all of the money. If we sell the house, he wants all of the money. Well, I'm sorry. He says he's put the work into it. He's done this.

33:22He wants all of the money. How much money have they put into it? They haven't. They've put, like, he's put a little bit of the money into it. They take advantage of me and they always have. Okay, there you go. If they take advantage of you and sell it. That's not their choice anymore then. I don't know how to do that. What? We didn't get a honeymoon. You fall back on being a victim on everything. Well, it might cause a rift in the relationship. If you love your mom, she'll love you and there will be a repair. Do you love your dad? Okay, then I don't care Keep your relationship with your mom But She'll never leave my dad Does she have to To keep a relationship with her?

34:03You don't know my dad I don't know your dad Does she have to though? I don't know how to explain that dynamic I don't I don't I don't know how to explain Like I do love my dad Is it abusive? No, not like that Not physically Is it emotionally abusive? Yeah Good, then, well, obviously not good, but... To me, I mean... To you. My dad's a bit so... No, my God, I don't... 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.

34:46And it's exactly why I use DollarWise. It shows you exactly where your money's 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 it for free, plus three months for just$9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started. I don't know how to have this conversation without... So when I said that my credit is terrible... If he walked away with 25, you think he would be unhappy? Very. Why?

35:18So my parents have gotten lots of like my dad. Why would you guys split it in half? He wouldn't even be happy with that. We've tried to have that conversation. And he always says like, if we sold the house, me and mom get all the money. You know that's not his choice though. It's not his choice. He doesn't understand that. He doesn't understand like me and names are on the house. It's our house. Okay. Remember his name is Gary. Oh yeah. Sorry. Paul. Gary. Gary. Oh yeah. You changed it to Gary because you're a move. Uh huh. Uh. Yeah, it's difficult, but okay, what's mom's opinion on this? My mom is wishy-washy.

35:54Sometimes she's on my side. Sometimes she's on my dad. I feel like my mom, they've always been financially irresponsible. And I've learned a lot of my things from them. Do you think you'll be able to maintain a relationship with her? Eventually. But I feel like I will lose her for a little bit. Why? And I don't know how to do that. What would that look like? Because I don't think she knows how to set boundaries with my father. Well, what would dad say? My dad would probably never speak to me again. And then my kids would lose him. and my kids don't really have anybody. But you don't like him? Not all the time, no.

36:22It's hard. I'm not saying it's easy, but we got to make hard choices. I mean, okay, so we can suck it up and get foreclosed on. Is that what they want? No. Okay, then tell them those are the options. Because they do pay the mortgage payment. They do. But they also made the decision behind our back to... I don't... I do, but I don't. But it's just like they make decisions without consulting us. Like who goes behind... Why is this a big issue if you don't want to sell? We did before that. Like they were supposed to - Do you want to sell now? They were supposed to - Do you want to sell the house or do you want to have it?

36:56Our main goal is that - Do you want to sell the house or do you want to keep it? I don't want to keep it. I want it out of our name. Okay, you want to sell it? Yes. Okay. Then the conversation comes and it's a difficult conversation. Hey, we can't keep this. It's f***ing our finances. I love you and I'm sorry. And I know this might cause a rift for a bit. There are two options. either we sell it to you, you get the equity and future equity in whatever work you put into it, you get the 100 % keep or we're selling this down and we can split it 50-50. And you just have to lay it down. And that's going to cause a rip for a bit and you're going to work to repair the relationship.

37:31But I don't even think that they can take even 50 of it. Okay, great, then give up. Right? What are the options? I literally, I don't give up though. That's the thing. No, no, no, you are. You're choosing to do nothing. You can choose either way, but I'm telling you how to do it. if you want to sell it, hey, if you're okay with not selling it, don't sell it. That's fine. That's fine. But that's your choice. You are making that choice. Yeah, I guess. Choose what you want. Who's more the problem in the relationship financially, you or him? Me. Okay. He says both of you. Why is it you? I feel like, thank you.

38:04I feel like I make impulse decisions like with my parents or like with people that I care about that I feel like don't have the money when I feel like we're better off. Can we be honest? Yeah. Are you prioritizing your relationship with your mother over your children and him? I would say yes. Is that fair to your children that did not consent to come into this world? No. Your parents chose to bring you into this world however they choose to have the relationship is up to them. I hope they choose the mature route and it might take them some time and it sounds like the mom will come around quicker.

38:40Hopefully the dad stops being a whiny little ****. But your kids matter. Your financial future of the kids matter. And sometimes that means making the difficult choice. It is so much easier to say than do. I get that. Yeah. But you have to make a choice or give up. It is up to you. Now, why in this entirety? Obviously, this is having a conversation in tears. This is a conversation around this house, having a hard time with this house, making a choice. You guys are still financially ****ed beyond just the house. Why? it is not just the house. We're really set it up to make it look like it's the entire conversation.

39:16It's not. This is a ton of paperwork. And it's beyond f***ed. Well, I feel like that's a lot of where it came from. That entire six years of us living. How? They paid the rent? That's now. Yeah, okay. That's now. That entire six years that we lived there, we paid for my mom and my dad. But you didn't have two mortgages. But we, but I didn't always have that. We didn't always have this income. What was your income then? Before that, I only made like, like$45 ,000 a year. You continue paying for them instead of asking them to chip in. Because I'm a f***ing pushover, Caleb. Well, that's you then.

39:46You're f***ing your family. Yes, I did. I 100 % did, but I— You're a pushover, yet you seem to domineer him. But I don't— I don't know how to explain that. I literally— I took care of my family. In that six years, me and him both paid for our three kids plus my mom, my dad, and my brother. I understand that. But you know how that translates? So we got in that financial... You know how that translates? You, unfortunately, not taking care of your family by not being able to put up boundaries and have a tough conversation because you refuse to have any uncomfortable conversations. You refuse to feel uncomfortable.

40:23I have the uncomfortable conversations. You refuse to feel uncomfortable. So what you do is take care of other people, allow yourself to be pushed over, and now your family is actually... That is not taking care of your family because you weren't willing to have a tough conversation. Like, you're not willing to have a tough conversation right now with your parents. I'm terrified of my dad. There you go. because of that, because of the awkwardness, because of the fear, and it's, come on, the terror is like not real terror. Let's be honest. You're not going to get hit. She's not going to get hit.

40:48There's not anything like that. You're afraid of losing a relationship, but you know it's going to come back. You specifically said your mother will come back. It might just take a second. You are unwilling to confront the difficult conversations. That is so much easier to be said than done. Don't get me wrong. But because of that, you've allowed your family to get into this financial situation. This is choices that have landed here. And it is important to acknowledge or else this will be continued forever for your entire family, including him, including your kids, because you will be willing to be pushed around and prioritize making other people happy instead of your family.

41:24Like he also agrees that we should not have this conversation because he's also awkward and also does not want to have the conversation with my parents. I'm also, I always have to be the one that has the conversation. He's much more willing to sell it. But he won't have the conversation. He can say all damn day that he's willing to sell it, but he won't fucking talk to my dad. He won't talk to them. Why won't you talk to the parents to sell the house? I'm always the one that has to have the conversation. Will you talk to the parents? No, he's... Would you? Would you talk to the parents? She's not willing to.

41:52Will you talk to it for them? Be a fucking man? Stand up for your family? If you say yes, I swear to God. Well, see, that's unacceptable. Fuck you. Let him have his own answer. Maybe he doesn't feel like he can through the conversations with you. That is not fair that you get to push over an answer for him. Just because you're a pushover in your life doesn't mean he has to be. He's allowed to make his own decisions. But he won't. He never has. Hey, how about let's let him talk? I have a hard time talking to people. Well, we know that. Getting through sentences are difficult for you. That's great.

42:24We love you for that. We're big fans. But are you willing to confront them, even in a f***ing email? I don't think so. Why? You're not willing to stick up for your kids? Well, I'm willing to stick up for them or anything. That is sticking up for them. I have a hard time having a backbone when it comes to certain situations. Why? I guess because of the way I was raised and everything. You raised you as a... Yeah. Well, that's horrible. Have you seek therapy? Eh, here and there. Well, here and there is not going to work. You probably should or else I need you to be able to deal with trauma from the past and obviously be able to face challenges in the future.

43:07Because, you know, the past is – that's horrible and sympathize with it dramatically. But now that you have kids, now that you have dependents, now that you have a wife that you want to help, are we going to let trauma that absolutely sucks from the past determine their entire future? because you're the one partly leading the household. Yeah. You have to be able to go deal with it. Unfortunately, it sucks that you had to. You did. Yeah. So now you have to learn how to deal with it, and that involves seeking therapy so you can help. And if you don't, that means you're just sitting on it. That means you're afraid of confronting your horrible past, and she's afraid of confronting anyone in her life, and now you guys just sit, allow things to happen around you, and then you f*** over your three kids, and that sucks.

43:50That sucks. So we can all agree on that. Now let's move beyond that and say you have to deal with your past trauma. And if you don't, you're going to be a forever f***. You have to be able to stick up for yourself and you don't. You'll be a forever f***. You guys enable that behavior with each other. And now your three kids are forever f***. And that sucks. Again, I will say I am sorry for that. But now it is your responsibility to try to go deal with it. Or you can just give up and sit in a room forever and say the world's done. prefer to not do that that's how I look at life but you can if you want I'm gonna go 3, 2, 1 and then point on my point I'm going to want for you three for you two to give me your hammer financial score 0 to 10 0 being the worst 10 being the best for the household okay 3, 2, 1 3 5 you're always very delayed why do you think you're middle of the road?

44:47Why do you think you're middle of the road? Let's try that again. Take two. Because I think with her skills and finances and stuff, we... Her skills and finances. Well... How much debt do you guys have? $260 ,000. $300 ,000. Or$360 ,000. Not including mortgage. We're talking about$45 ,000. Yeah. so those skills have we're on the way up if you want your hammer financial score get it for free at calebhammer.com the assessment is free and it just takes a few minutes see where you're doing really poorly see where you're doing well and what you need to do to fix it and if you don't want to be like a guest who ends up on this show make sure you download the dollar wise budgeting app lots of new features being added every single month it's an incredible place to get your finances under control dollarwise.app set up for the free trial to see if you like it And if you do, sign up for the annual version to save a lot of money.

45:43And when you do, I will personally sign my budget-friendly cookbook and mail it directly to your door. So you can mail prep, have some yummy food, all that good. All right. Let's jump into these debts, shall we? Let's have some fun. First up, Crane Credit Union. What is this? Personal loan? $17 ,000? What is this? It's a consolidation. It's a consolidation loan. What did we consolidate? Credit cards and stuff. And other stuff. Then why are all our credit cards back up?

46:41MintMobile.com slash switch. Upfront payment of$45 for three month plan equivalent to$15 per month required. New customer offer for first three months only. Speed flow after 35 gigabytes of networks busy. Taxes and fees extra. See MintMobile.com. Okay, the holidays are creeping up faster than my rent payment. And if your house looks anything like mine did last year, it's time for a little refresh. Like maybe your guest room still has that college dorm vibe. Or your kitchen serveware is really just chipped plates from five moves ago. And that is why I hit up Wayfair. I got a full guest room refresh, comforter, pillows, even a cute little accent chair that says I host with taste instead of I give up.

47:15And yes, I bought a fake Christmas tree so I don't have to sweep up pine needles until April. Wayfair has everything. Cookware that won't make your in-laws judge you, wreaths that actually look nice, and free delivery even on the big stuff. And it's all affordable, easy to find, and honestly, kind of addictive. So do yourself a favor. Get your home ready before your family arrives with opinions. Get organized, refreshed, and ready for the holidays for way less. Head to Wayfair.com right now to shop all things home. That is W-A-Y-F-A-I-R.com. Wayfair. Every style. Every home. Let's get back to the podcast.

47:51I signed up for Babbel when I realized constantly searching translations wasn't cutting it. Yeah, I could look up how to ask for the check, but trying to piece together conversations one word at a time, It's slow, it's awkward, and yeah, I still ended up with the$22 mystery dish I didn't want. But today's sponsor, Babbel, is an award-winning language app that teaches you actual conversation skills, not just random vocab you forget five minutes later. After using Babbel, I can ask for the check, may try as la cuenta, and actually understand the reply. Okay, donde está la biblioteca? Their lessons are short, designed by over 200 language experts, and built to get you speaking in real-world scenarios, not just travel stuff, like stuff.

48:37You even get to practice with an AI partner so you're not guessing when it matters. To start speaking a new language in three weeks, click the link in the description or go to babble.com slash Caleb and you'll get up to 55 % off your subscription. That is up to 55 % off your subscription when you use my link. Join the millions of Babbel learners. Bring in the language barrier every day at babbel.com slash Caleb. Let's get back to the show. And no, it's not because we lived with the family for six years. You haven't in a while. You haven't in a while. Come on, let's be completely honest. You've set up this conversation in the last 45 minutes as wah-wah, parents suck, life sucks.

49:16And yes, you've actually had real problems and that really does suck and the relationships aren't great. We can sympathize with that, but you really tried to frame it as that's the reason we're all f***ed. But then you consolidate some of the debt that may have accumulated, who knows if we fully believe this, from having to take care of everyone, but you haven't since then, and then you built your credit cards all the way back up again. Your finances are f***ed because of you. You!

49:44What happened here and when? Right after we consolidated We went on a Ten year late Honeymoon To Orlando What the fuck is wrong with you guys See and then you're gonna set up this conversation with tears and everything What the fuck is this This is you going to Orlando And being stupid What is wrong with you setting up to be a victim I hate that I hate that You have been through some things But that is not why we are f***ed today We paid for the trip to Orlando. We cash flowed that. That was paid for. Well, cash flow should have gone to paying off debt. And then you wouldn't be in as much debt today.

50:26And we had money when we went. Interesting honeymoon destination. How much did this Orlando trip cost that we cash flowed instead of paying off debt? After we're crying about being in debt. Because, oh, I had to take care of everyone around me. Let's go to Orlando and spend thousands of dollars. We didn't, we were young when we got married. So we didn't get, and his grandpa died right before. The honeymoon was about a year ago. So I don't give a f*** about, oh, when I got married. You spent this a year ago. She's trying to do it again. She's trying to do it again. Here it is. Is this what she does?

50:58No. She's confronted with a real issue that just happened. She's like, oh, it was 10 years ago. Life was Willie Howard. F*** off. What? We didn't get, we didn't get a honeymoon. We went into when we were more financially responsible and then went when we had money that I cash flowed. Oh, I don't get that. I didn't put it on a credit card like everybody else who comes on this show. When I got knocked up at 18 because I didn't use fucking condoms. I was 20. Thank you very much. I was 20 when I had my son. Proud of you. I wasn't a teenager. I was 20. You fucked the high schooler and got pregnant.

51:34Proud of you. Listen, here's the thing. not everyone gets to go on trips. Not everyone gets to go consolidate all their debt. And then instead of paying off that debt, gets to take a trip. Not everyone gets to do a dream honeymoon. Did my parents even go on a honeymoon when they got married? I don't think so. Maybe they just went to a f***ing pond. But we did 10 years. Hey, they didn't make up for it when they were also still financially f***ed 10 years ago when I was also 10. They didn't do that 10 years later, I meant. They didn't do that because they, well, they were irresponsible, but not this bad.

52:07Like, what the f***? At least they learned their lessons and then tried to get better and they'd get better. Mm-hmm. You did this a year ago. Don't do that. Oh, 10 years ago. People don't get to do vacations. Dude, there are people literally, I can't believe I'm about to do this right now. I'm going to pull this f***ing trope out. There are literally people who cannot afford food and you're crying about not being able to go on vacation when you got married? Die. Like, I don't give a f***. Who does? You're not a victim for that. You're not a victim. I didn't say I was a victim for that. I literally did not say I was a victim for that.

52:34No, but you brought the energy and you brought the talk for it. Oh, 10 years ago when I got married. Oh, I didn't get to go to the alley and buy a wand. Well, I'm borderline suicidal because of it. And I didn't say anything about her. Come on, you're bringing the energy of it, lady. No. Okay, well, first of all, when I said, this is stupid, why was your first response? Oh, 10 years ago, if it wasn't. I think a 10-year wedding anniversary is an important thing to celebrate. Yeah, celebrate. Go to dinner. Have a nice dinner. You just consolidated all your credit cards when this happened. Didn't put money towards that.

53:14Spent thousands to go to Universal. Yeah, but it was our 10-year wedding anniversary. I'm proud of you. You guys were f***ed. And at that point, you had two kids. That is not an option. Three kids. You had three kids. that's disgusting that you prioritize you guys over them. But we do everything for them all the time. Right, except for everything you're doing for your parents because you're not willing to have a tough conversation and you are putting that over your children. Right. You closed eight credit cards with a consolidation then opened a... So it's like, what are we doing? And then you're going to complain that you didn't get to go 10 years ago or we have to celebrate 10-year anniversary?

53:57No. No, no, no I'm sorry, little dates, yeah They matter, they're important They're not more important than the literal lives of our children They're not Simply put Straight up, not an option I don't want to f***ing hear it Okay I don't want to hear it So how much did Universal cost? The actual trip was$2 ,800 It was a week It was a week. That was the hotel. That could have gone towards paying on this debt. This consolidation is currently sitting at$17 ,666.01. That is insanity. That is disgusting. That is unacceptable. Minimum monthly payment,$249. No, that's bi-weekly. It comes out of my check.

54:50Oh, fuck. We were paying like$1 ,200 a month for credit cards. So. Are you really going to do this right now? You're really going to do this? Yeah. That's why we've probably seen it. Is she really going to do this? Well, that's why at the time. So here's the logic. I want to frame this for everyone out there and for you. The logic is, oh, it was$1 ,200. Minimum of the payments for credit cards. We can't afford this. Let's consolidate our debt and spend$2 ,800 to go to Universal immediately. What? We'd already paid for the trip. That's where we consolidate. You can't afford your credit card payment, so you pay for a trip that you definitely can't afford?

55:30That's even more stupid. Listen, I know we're all trying to get out of Indiana. Everyone is. Yeah. That's not a surprise. It's cornfields and Amish and, yeah. And lots of. Yes, 100%. And homeless people. Homeless people. Indiana. I don't think that's what it's known for. This one? Cagle corn! Go on. This isn't, like, this was so stupid. That makes your argument better that when you couldn't afford your credit cards is when you booked your Universal Strip. What are you talking about? Well, with the money that we saved on the consolidation we had to put towards the trip.

56:13I don't know why you're looking at me. He said it. He said the dumb thing this time. Not me. He said the dumb thing this time. To get your reaction. Not me. To get your reaction. And what you thought about him saying that. Why do you look at people? It's usually to see what they do. You f***ing.

56:3012.25 % interest rate. It's disgusting. I'm not beating it in the market. Take the Webull app. You know? It's the app I use to invest. I buy a lot of SPY in there. That's not a recommendation, by the way. But I do. That's what I get. It's my favorite little thing of choice. On average, 10 % is his return. 10%. 10%. Even with all the sign-up bonuses and everything, using my link, hundreds of dollars that you get, that's incredible. Still not even close to. You're losing money by just having this personal loan. You can't beat it investing. Sure, certain years, of course, but overall, historically, no.

57:07And this stays at this rate. It's not variable as far as I can tell. That's insanity. It's insanity. This is a horrible debt. And we're prioritizing Universal over that. Great. We had fun. Did anyone argue otherwise? No, I'm just saying we had fun. Okay. And how much of it was done in a Gimpmobile? A what? Apple Card. This is yours, right? Yeah. $2 ,221.13 with a minimum payment of$59. What the f***? We just opened that. You just opened this. And it's at this. Yeah, we're going to sit here and cry for 45 minutes about our parents. So, hold on. Time. Time. Before you crash out. Time. Um,

57:58so we had built back up a good portion of savings. And we were paying. $500. No. Okay. That's after this happened. And I'm going to. Anyway, so in June, beginning of July, we had a flood in our basement. We got like two and a half, about two foot of water. And it ruined our furnace. Our boys' rooms were down there. Did you have insurance? It didn't cover. We didn't have flood insurance because we're not on a floodplain. We have flood insurance. It just covers a flood from a pipe busting or anything like that. Where'd this come from? We got, like, it was actually, like, if you look it up, it's like...

58:46Rain. Rain, yeah. Was the answer you were supposed to say. Natural disaster. Okay. It was like a natural disaster. Yeah, yeah, yeah. I try to get full coverage across everything, but... Yeah. Yeah, I gotcha. So... This is what I'd do. Yeah, so we didn't have flood insurance, so we used the money that we had been saving up in our savings. Which was$3 ,000. Yeah, we had around$3 ,000. We had to get... Our furnace went out. we had to fix the boys' rooms because the boys' rooms were in the basement. The drywall and the wood and all that. It cost 3 ,000 hours. I don't know how this means your credit card is up because you drained your savings.

59:18We drained our savings. So our oldest was a micro preemie. We had him about three months early. It was a what? A micro preemie. He only weighed two pounds. He was a micro preemie. Micro preemie. He only weighed two pounds at birth. I'm assuming that's small. I don't know. Yeah. I've never pooped one out. Yeah. That would be a miracle. You'd be really rich if you had a baby. But so we had him super early. So he has to have glasses like every year. And he has a very thick prescription. So his glasses are really expensive. And that's because he was premature? Yeah, their eyes don't develop. That's like one of the last things that developed.

59:55So like his eyes didn't develop fully. What did you guys not smoke? Keep going. Listen, I don't do sh**s. Sh**s are bad. Okay. South Park reference. Anyway, so he. Bad. Okay. This is South Park reference. Okay. The teacher says that? Yeah, the teacher says that. Yes, that is true. Yeah, you're welcome. Great reference.

1:00:19So we'd had money saved up because we knew glasses were going to be expensive. We all have glasses. He has glasses and contacts. Jeb has glasses. We have eye insurance. Yes, but they're still expensive. Very good. But our oldest plays football, so he needed goggles and glasses. Guys, I'm waiting for her to be done with this conversation. because the end result of this is going to be more ridiculous than you even. This is more ridiculous than you even know. Okay, here she goes. She just cried about having glasses that are expensive. Wah, wah, wah. So she immediately goes to Subway, let it snow.

1:00:52Goes and gets some bulls**t. Burlington Stores, Hot Topic, Wingstop, Stopping to Circle K, Going in and getting some bulls**t. Dutch Pantries, Resort Indy, something on Facebook, Facebook Marketplace, maybe Wendy's, Interstate Studio, holiday world and splash holiday world and splash die what are you on about see this is how she does it and this is how she lives her life i want to clarify this because this is actually important for you to know and important for you to know if this is how you approach every conversation and this is how you approach all these conversations when you hear it she does something she does something bad she spent 1428 dollars on bull bull bull this last month so how does she set it up for approximately three minutes.

1:01:34Oh, I had a premature kid. The kid can't see very well. So we had to get glasses and that costs us money. That sucks. That's sad. That is not what you spent$1 ,500 on last month. You are not a victim. What the f***? You set everything up as the world is against you and you can do no bad. And then we see the purchases and the purchases are literally all bullsh - That conversation had nothing to do with things. Premature, that sucks. I'm sorry. I hope it doesn't happen the fourth time. Listen, that isn't what was done here. That isn't what was done. That's why we opened the card. It doesn't matter.

1:02:18That's not why the balance is where it is. That's where most of the money came from. This is how she tries to set up everything. We ask why she cries for 15 minutes about why her dad's a little bad. Listen, and hard to have a conversation with. I ask why this card is bad. She cries about her kid. That wasn't it. Both those things suck, but they're not the reason we're here. You fall back on being a victim on everything and try to set up everything as the world is against you instead of acknowledging that you f***ed it. you personally, royally f***ed it. How many times are we going to do that in this conversation?

1:03:01The next card, am I going to hear a three-minute sob story that has nothing to do with your spending?

1:03:10Fuck's sake! Is this how every conversation goes? You're probably not going to say anything because you don't know how to stand up for yourself, but... No, that's not how every conversation goes. Uh-huh.

1:03:23Listen, I'll let you use the Fizz card because at least it's a debit card that builds credit, which I know you guys want better credit, but you can't spend more than it's in your checking account. I know that's what you guys endlessly struggle with. Also, by the way, let me get you IT certifications through Course Careers. That'll give you better chances of getting an even better raise because it'll make your qualifications even higher next year. They've had lots of success with it out there in the audience, I've heard, so I'll get that to you for free. What are you stopping in at Circle K and getting to bullsh** constantly.

1:03:51That's just like if we're running behind with the kids in the morning, I'll get them like something to eat for breakfast because they don't like the breakfast. We have two gas stations. They got breakfast pizzas and stuff. They got breakfast pizzas and stuff. No. It's so bad for their health. 100%. I generally... Running behind cereal is so... I normally cook them breakfast every single morning before we go to school. It doesn't even have to be cooked. Just do Insta oatmeal or something. I normally cook for them every single morning. They don't like oatmeal. Normally, I cook dinner and breakfast every single day normally.

1:04:23And we meal prep. People stop in and get some bullshit constantly, and I'm kind of done with it. Like her, she's drinking some Alani over there. You got the goof juice from Gamer Supps. You got to make your coffee at home. You got to make your coffee at home. You can't stop at the Starbeast. You can't go in the gas station and get a$4 energy drink. I swear. Here. But they taste better than coffee. Well, congratulations. You're right. So take a free sample. Here, there's free samples. That's energy drinks you make at home. 25 cents a serving from Gamer Subs. 10 % off. Link in the description below.

1:04:56Or get your free samples if you type in code Caleb. So get your free samples. Make your energy drinks at home. 25 cents a serving. No more stopping in against a bull. And I promise it tastes better. There you go. You can make it. You like that one? Yeah. Yeah, there you go. So try out the other flavors. Goof juice is good. I think it's strawberry. It's my girlfriend's personal favorite. I'm more of the good one. This is just, I don't know, 1 ,500-run bull**** trying to set up with a victim story. Like, it just, it makes me, it's so bad. I don't understand. 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.

1:05:38Mmm. Or this tea time you. Or even this tea time you. So did you hear about Dave? Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. Okay. Which I guess brings us to the Amazon Jays card. What's going on with this? Set your timers. Three minutes. Get your tissues. That's the kids. That's my Amazon card. And I wanted to give them a better life. No, I bought their football stuff on there. Because I didn't grow. No, I did. I bought their football stuff on there. Oh, there you go. I will literally hand you my phone.

1:06:20It's their football stuff. Are you talking about on Amazon? Mm-hmm. Okay. Give me your phone. Yes, let's see. I thought usually you give the football program some money, and then they provide equipment. Well, they don't buy all the extras. They don't buy all their extra stuff. They get pads and extra stuff. Yeah. pants and helmets. That's the only thing they give. What extra is needed? Socks and cleats. So like I got, like recently I got some other like stuff, but. Let us see. Let's turn a screen recording. We'll black out private information. Hi, Alyssa in here, Financial Audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations.

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1:08:22We got a hat that just got delivered today. That's Halloween. For Dwayne's World. Yeah, that's not necessary for existence. Halloween Renaissance. Halloween gun or sword or something. Blonde hair bulls**t. Soccer horn collapsible stadium. hockey blow stadium noise thing. Football. Some blue light glasses. You guys realize none of this is for their football equipment yet. We got some shoelaces. Okay, that might be football. There's a padded thing. That's okay. Leather paint. Definitely don't need that. Cleaner kit. Don't 100 % need it yet. There's some shorts. There's some shirts. I'm okay with that.

1:09:01Leather finisher. Flexible clear coat for leather shoes. Don't need that. It was for his cleats. He wanted them to be this. I don't care what he wants. You don't need it. You're trying to literally pay for them to exist. Fabric dye, don't need it. Fabric dye, don't need it. Fabric dye, don't need it. Okay. I was trying to get it. So only about three of those I will excuse is that's okay. You need to go all the way down. The rest of it was like their bags. I just did for all the way down, lady. It was their bags and like the rest of their - Lady, this is all the way down. Well, I didn't - I'm only looking at your last fucking month, dude.

1:09:28Because everything's looking at the last month, okay? It was like their bags and like - It's not there! It's not there. I don't care. It's not there. It's not there. Well, while I'm here, I mean, that's what you prioritize for them.

1:09:45When you walk into a Burlington, you're walking into amazing prices and great gifts. That's main character energy. Because at Burlington, the holiday savings aren't the only things turning heads. Discover quality finds and perfect presents for everyone on your list, even those who are hard to shop for. toys and jewelry to new beauty brands and styles, these gifts go seamlessly from our stores to under your tree. Seriously, with these savings, why shop anywhere else?

1:10:21And for you, you're getting Candy Jar TV, Drama Unlimited Pass, what the f***, Drama Box Movies and More, what the f***. I've never heard any of these and they're dramatically expensive. And iCloud Plus, that's fine. She's had like TikTok paid. Okay, so that's what you're doing. But you opened this card for Christmas. That's what you opened this card for, I'm being told. So I don't want to hear this football thing, especially since on there only three was actually necessary. Most recently purchased, yeah. Uh-huh. But you opened it for Christmas. Which is then. Black Friday, that kind of stuff.

1:10:57Yeah, yeah. But you spent$4 ,000 last year. Yeah, I did. You're going to complain about the parents thing when you're spending$4 ,000 on Christmas? What are we doing? What are we doing? I know you want to give a Christmas. Of course. We're trying to pay bills. We're trying to survive. We're trying to make a better life for our kids. Yeah. Call out$1 ,000 maybe. Well, we got to get everything on their list that they want. No. I don't get everything on their list. I don't. I don't get everything on their list. You spent$4 ,000. Listen, that is wild. It is. You can do it if you can afford it. You can't afford it.

1:11:27You're literally talking about how you can't pay your bills. There, so. We didn't get a good. How much were you supposed to spend? What was budgeted? Well, we budgeted 500 each kid. So 1 ,500. 1 ,500, yeah. Okay. You went a little over budget. Yeah, I do. I have a problem. I 100 % have a problem when it comes to this. There you go. So maybe let's stop with the victim stories. You don't ever see anybody, see something and, oh, this person will like it. The kids will like that. They want that. I have budgeted money. I don't struggle to pay my bills because I budget my money. They're good kids. They're good kids.

1:12:06They're really good kids. I didn't say they were degenerates that need to be locked up. I'm confused why that means let's spend money we don't have and make sure that we can't always pay our bills and might risk losing a roof or utilities or food. That's always paid. It's always paid for now. Do you know how many people get foreclosed on? How many people get evicted? How many people get utilities shut off? It is not uncommon. It is not as uncommon as people think. And everyone on this show is on the edge of that. And you'd rather spend money on Christmas, on credit cards, than actually set up.

1:12:35And by the way, and 100 % what I set up without even knowing is what she was going to say. Because she said it in her conversation with Lindsay. I have the notes here. I didn't even know you were going to say this until it got highlighted. The fact is, in their pre-onboarding call, when I talked about how much she spends on this, she said, because I didn't have good Christmases growing up. she was going to fully do the victim thing again. She did in the pre-interview. She was fully going to do it again. And if I didn't call it out at the beginning, you were going to do it. Oh my goodness, that blows my mind.

1:13:08You cannot operate that way for the rest of your life. You will never accomplish anything. If you just sit back there and you're a permanent Reddit victim, by the way, I saw you get a Reddit notification when I was on your phone, so I know where your brain's at. Come on, that is not a healthy place to be. I don't ever really get on there. So it's the person getting a notification on their phone from the platform where everyone's a victim. Dude, come on. That's how you did it in the pre-interview? I have literally accomplished a lot in my life. Thank you very much. What? A negative net worth? I mean, this is the point where you can give me examples.

1:13:44Maybe you have. I don't know you. I have a good job. I have an amazing husband. You do have a good job. Husband that you domineer and can't speak up. Three kids, that is an accomplishment. Really, it was involved in something that was selfish pleasure, if we're being completely honest. But you did it and they've stayed alive. So that's good.

1:14:02Okay. I have amazing relationships with people that aren't my parents. That push you around? No. You told me you're a pushover for everyone though. No, I'm not. I'm just pushover with my parents. Okay. Well, no, no, no. You do have a really good job. And you guys have good household income. And I've always had a really good job. But here's the thing. You've accomplished that. Don't do the tear thing. You've accomplished that. and I'm happy for that. But look what you've done with it. You get a synopsis, like a brief moment of people's lives, just like Lindsay does. She gets a brief moment of people's lives and you take two seconds to go, oh, this person's a victim because they say this.

1:14:41Yeah, based on your responses. Because she wants to know how a person got into the situation that they're in. Other than that note I just had, other than that, everything I've said in this conversation has been based on what you've said to me. The reason that I overspend on my kids for Christmas, the reason that I overspend on my kids for Christmas is because I did not have a good life. I raised my brothers. He raised his brothers. We did not have good lives growing up. Neither one of us did. So we go out of our way to give our kids we did not have. You're giving them trinkets instead of setting up for a better life.

1:15:17We have life insurance. We have retirement. Okay, life insurance is death. You have a, you've, your savings is almost nothing. You guys are on the brink. Brink. They have life insurance. We have life insurance. We have retirement. We're talking life insurance. That isn't going to save you in the moment an emergency hits. An emergency hit and drained our emergency fund. Exactly. Yet you still spent$4 ,000 on Christmas,$2 ,800 going to Universal, all will consolidate your debt. The one time we spent money on ourselves and not our kids. No, come on. Dude, did we not just go through the last credit card where you went and spent on money every day?

1:15:55On the kids. We were with the kids. Exactly. You're choosing trinkets while your emergency fund was drained. Instead of saying, hey, kids, we need to pause for a second and build up our emergency fund. You can explain that to the 13-year-old at least. Come on. Come on. The tier works is not going to win this argument. It's not. They're pissed off tiers. They're not I'm a victim, I'm crying tiers. They're pissed off because you're pissing me off. Why? Because I'm calling you out for your horrible spending last month when your emergency fund was zero? Basically telling us we're bad parents and we're not bad parents.

1:16:23Did I say bad parents yet? But your actions are bad. They are bad. They are parenting options. They are bad parenting spending. They are. They are. I'm not saying you're a bad parent and everything. You sign them up for football. You support their things. You give them a roof over your head. You do a lot of things. I cook six nights a week. But when we're going to football. Why not seven? Because we eat leftovers on Thursdays. Either way. But when we go out to football or like on Fridays, We go by the ice cream place. And if they've had a good week at school, I get them ice cream. I just had your last credit card.

1:16:56You spent money on bullshit every day. You're not going to win this argument when I have the literal proof of numbers in front of me. I'm sorry. This is impossible. It's not every day. Buddy, it was almost every day. It was not every day. It was$1 ,500 on bullshit. Bullshit. And that was a month that we had things to do. Like my son had a band trip. And we wouldn't open the credit card. We had our emergency fund drink. I'm sorry. Band trip. Those were not band trip activities. He had a band trip. I've been on so many band trips. Those were like every day. Is a band trip every day? No. He had a band thing at...

1:17:31Good. These were like every day. So that was one day. They were in succession every day. She excused one day. Proud of you. Round of applause. Put it in. Here's the thing. Here's the thing. You are not going to win the argument on the emotional ground because that is not what wins an argument. Facts are what wins an argument. and I have the facts and I have the numbers in front of you. Just because it upsets you to hear it in person and that someone isn't crying and hugging with you when you set up a victim story like they usually do your entire life because you've used it as a manipulative tactic doesn't mean all of a sudden I'm a bad guy.

1:18:06I'm calling you out for your bulls**t for the first time you've ever heard it in your life. And you need to hear that. If that's not true, then you wouldn't be here today or you just don't give a f**k. So the reality is no matter what you say, you drained an emergency fund, which by the way, if a$3 ,000 fix for a flood drained your entire emergency fund, you didn't have enough for an emergency fund, which is irresponsible as parents and you're spending money you didn't have, to be clear. And three, if you drained an emergency fund, we are not spending$1 ,500 on an Apple card on all bulls**t in one month while our emergency fund is zero.

1:18:37That is bad. Yes, it's a snapshot in time, but it's a snapshot in time of bad parenting, spending, and choices. objectively, no matter the tears, no matter the emotion, no matter I cook six days a week, that does not change the reality of what is on paper. It doesn't. I'm sorry. And I'm not going to bullsh**. I'm not going to bullsh**. It doesn't benefit you in any way to bullsh**. It doesn't. Why would I sit here and say, you know, you're right. You cook six days a week. That's okay. You spend$1 ,500 on one credit card alone and we have many to go through. What? What do you want from me? That's insane.

1:19:13That's what you want? that's what you want. That's what makes you not pissed off.

1:19:26Yeah,$811 on bulls*** food last month alone. Just going out was$811. Miscellaneous bulls***. That could be video games. It could be anything. You know, it could be stopping it and getting new pair of shoes that we probably didn't need. That alone was$1 ,538. Bulls***, bulls***, minimum bulls*** purchases because there's a lot in here we don't know. Like 304, we don't 100 % know. 652 we don't 100 % know and we will go through that but minimum spent on bulls**t on a minimum confirmed basis last month alone when after we have already drained our emergency fund which was not a fully funded emergency fund minimum was $2 ,347.46 and you're gonna sit here and say you're pissing me off I cook 6 days a week f**k you look at that that is a number that exists when after we drained our emergency fun on bulls**t.

1:20:14You do not get to sit here and pretend like you're a victim when you chose to do this on bulls**t. This is not stuff that kept roofs over her head. This is not stuff that keeps food on the table. This is not any necessities. I would not complain about the necessities. This is literal bulls**t that is not required to survive. It can be happiness. It is not required to survive. So I don't want to hear it.

1:20:39Deal? Yep. She also got a$400 test. last night, but last week while her emergency fund's zero, so.

1:20:58Shrug. Yes, that's what I would do if I had three kids at home to take care of. I'd shrug. Yeah, but we do take care of them. Do you not understand? You guys do not have an emergency fund. You are one bad thing from happening to losing everything. Taking care of them is preparing for any kind of safety net other than death. Because I know she wants to bring up the life insurance thing again. She's really excited about it. What? No, it's not. $400 tattoo over an emergency fund? Eh! Yeah, but she put on an afterpay. Oh, so it's okay. Yeah, you split up the payments. It is still money you have to pay.

1:21:36That could be going towards debt, you tit. What the f*** are we on? fucking kill me now Amazon card$41 of interest accrued last month purchases$19.99 nine years to pay off minimum payments without any purchases oh baby we make purchases let me tell you that is all we do yeah yeah yeah we've had two late fees this year would anyone like to speak to the two late fees this year when we're choosing to spend$400 on tattoos last month. But hey, she cooks six times a week.

1:22:23I can see you're upset. I'm bullying you a little. But I am calling out the numbers. This is real. This is real. Okay? The thing is, the reason why I am doing this and I am going so hard is because you actually do, okay, sorry, I don't want to bring intense energy to this part because I want to get this across for a little self-reflection. You might not be able to get this in this conversation right now, but you might be able to reflect on this. When you go spend that$400 on a tattoo last week, or$200, I forgot, I don't remember, but we have two late payments this year so far and we have a$0 emergency fund.

1:23:02When that's happening, and then I confront you with how bad that is and you immediately fall back on all these excuses and victim stuff. And, oh, but I do this, I do this. That's a cope. It's a cope and you're justifying how bad this is. So this is hard and I know I'm digging in and I'm sorry and I can let the foot off the gas a bit, okay? I can put on the brakes because I don't want you to feel bad, but I do need you to reflect on this after this conversation that those are coping mechanisms that you are doing right now to justify the fact that this is bad. When in reality, we need to sit down and say, this is bad, there's no more excuses and it's time to get our shit together and it's unacceptable.

1:23:52Okay? You might not get that here. I'm not making you the happiest person in the world and you don't love me right now. That's okay. I will accept that position. But I need you to reflect on this conversation afterwards. Okay? Okay. Not on the drive, not on the flight, but maybe at home. Over a nice hit of... That's a joke. We can have a little... Okay. $329 in interest this year so far on this card. But to be clear, last month, minimum of the... Minimum of the... Minimum of the... Minimum of the loan was over a third of our income. Over a third. We cannot do that if we do not have a fully funded emergency fund as parents.

1:24:32If you were single and alone, still not good, but now it's critical. Critical. And what happens if all this happens and your parents all of a sudden can't make a mortgage payment one month? What happens? We're done. You're literally an inch from that. Something that is so simple could destroy this whole thing. Yeah. Destroy everything. Okay. I think this is... Clarina, affirm, one of those. Okay. I mean, on here, we're doing Walmart.

1:25:15You say that's the only thing we spend on ourselves yet. I see Carnival Cruise on here of$1 ,187. The Walmart was groceries. He's ignoring the cruise. I just brought up the cruise of$1 ,200. That was my friend's. They pay me back in like two weeks. Why is it on your firm? Because she had the best credit. It's so risky. You guys got to stop doing this best credit thing. I'm aware. I am aware. I know that. I know that. And I told them I made them pay for all the interest. Well, it's not about the interest. It's about the risk of what if they did it. I know. I know. I know if they didn't pay it, then I'm.

1:25:55Yet it's here. I know. That is very contradictory to me. Contradictory? I know. Was I born in Indiana? This is crazy. We're rubbing off on you. This makes no sense. If you know it, why was it done? Because I'm an idiot. She's a good friend. Good friend or pushover. Because you said pushover to everyone, and then you're like, wait, no, only to my parents, and then we see this. Yeah, I know. So it's to everyone. But the friends are trusted friends, even though things happen. And I trust friends for some things, but numbers become numbers becomes. That's expensive, and not everyone can afford it.

1:26:30that's not necessarily a trusting thing sometimes it just gets yeah I paid mine immediately like as soon as we took it you're what? my portion oh so it wasn't just your friend you went on a cruise yeah

1:26:42I thought you said the universal thing was the only thing we'd do for ourselves

1:26:49I didn't want to go I had a horrible time that makes you feel better you did it doesn't it doesn't it was miserable I don't care well I mean that sucks okay Okay, um, I mean, yeah, it's a carnival cruise. Yeah, it sucked. Carnival? I've never been on a cruise. Okay, so why'd you spin on this? Why'd you do it? Because I'm a pushover, I guess. I don't know. No, you're easy to do pushover. But you don't have to be a pushover over on everything. Her and her friend kind of had a falling out before the cruise. That's what made it awkward. Yeah, it was really bad. Wait, so what happened? You were just there with someone you hated?

1:27:27Pretty much. Yeah, it was bad. Well, why be so catty? Why have a permanent fallout? Well, it wasn't so much permanent, but it's not where the friendship used to be. Used to be, yeah. Okay. And then this. So this is Klarna or Affirm? I don't know which one that is. Klarna. Okay, so Klarna,$348.99. Minimum monthly payment. And looks like, okay, this is Ticketmaster. The universe is the only thing we've ever done for ourselves. We took the kids to a concert. We, as in you, got to also enjoy. Yeah, but we took the kids. Come on. If a kid goes to something you wanted to do, it doesn't mean you got to do it for you.

1:28:12Who was the concert to? Creed. Creed.

1:28:18They liked him. They liked the older rock bands. Shut the fuck up. They had fun. Uh-huh. They did. They were living their best lives. $85.32 is your minimum payment on here. This is ridiculous. And you're probably at that, like, 35.99 % Klarna. Oh, you guys are addicted to going concerts, I'm being told. Addicted. Heavy on the word addicted. Not addicted. Uh-huh. Literally, she never interacts. And I just, she just went, yeah, do tell. before she types me something that's going to call us all out. We do go to concerts a lot. We normally take two or three a year. But we only pay... Guys, you don't have an emergency fund.

1:29:01But we don't buy expensive tickets. We get the$20 lawn tickets at Noblesville. And I'm being told that's not true and you do get expensive tickets. We've only bought expensive tickets once. Okay, well that counts. And when was that? A couple years ago. A couple years ago. We got floor seats. What are we doing? You don't have an emergency fund? Are we doing multiple concerts a year? It's like 90 bucks. Yes. You don't have an emergency fund, lady. You're a mother. Remember? What is this? I got some dumbass, demasserie. Beneficiary? 401k loan. Brag about retirement in the episode and they have a 401k loan.

1:29:47Okay, that's great. Why do we have a 401k loan? We took that out to put a down payment on our house that we live in now. Guys. What happens if he gets fired? Do you know? They take it out of what's in there. They call it due. Yes. Due. Layoffs are happening this year. Across everything. Yeah. Yeah. Okay. $9 ,197 to 69 cents. Payment comes out of your pay, though. Yeah. I'm not going to put it down. And it's only a 2 % interest. 2%, but it's still, it's like it's not gaining any value or anything. It still sucks. I mean, you literally financed your down payment. That's objectively bad. You don't finance a down payment.

1:30:34It's a down payment. And there's two of them, but it totals that$9 ,000. Yeah, we were just trying to get out of the situation that we were in with my parents. Yeah, which, I mean. Wasn't great. You know how you almost confronted me there for a second? Even though it was with very flawed logic and manipulative tactics? At least take that energy and try to do it with your parents. Just not the manipulative one or the flawed logic part. But use that energy. Yeah. And have a conversation with them. Yeah. Hilton Honors card. That's what we need when we don't have an emergency fund. What's going on with this?

1:31:09So when we were in Orlando, we, she caught me with her damn pencil skirt. So like she came up and I thought, so this really cute girl came up to us when we were in the lobby. Are we looking for a third? No. So like she came up to us. Sometimes, I don't know. She came up to us when we were sitting in the lobby and I thought it was just like a points card. Like if you stayed at a Hilton hotel, they gave you rewards to another stay. And then it came in the mail. Oh, guys. And then a credit card came in the mail. I'm kind of dumb sometimes. Okay, then why did you put money on it? Okay, you opened it.

1:31:43Why did you put money on it? Okay, interest is accruing. Takes eight years to pay off minimum payments only. No lay fees this year, but$408.67 of interest. 28.99 % interest rate. Okay, quick, Silver. What's going on with this? Yeah, that's hers. Which one? Is everything yours? No, he has one. He had the 401k loan, but that's it. He has one credit card. I have most of them. Like thousands? Okay. So we consolidated your debt. Then you opened a lot of debt. Yeah. Did it all again. Okay. Quicksilver,$2 ,194.58. The minimum to payment is$76. $54.93 of interest accrues. 14 years to pay off. And when you were talking to Lindsay, you were blaming living in a small town and your local banks drilling, having credit into people's head because you lived in a small town.

1:32:40What? Well, that's how they said you needed a credit card growing up. Yeah, like they wouldn't let us get a car or anything until we had a credit card. Credit's a good way to build credit, but not if you're a moron with credit cards. What's your credit score? I think mine's 680-something. Uh-huh, okay. It's not as bad as I thought. It's basically maxed out, so you're probably just spending on this until recently. It's at a 28.99 % interest rate. No late fee, but you have had some kind of fee. I think it's just the fee that comes with it. Cash advance, it looks like. We've had cash advances on this.

1:33:16No, I've never taken money on that. Well, payments that have qualified as cash advance then. A purchase that is done. Oh, you did huge hauls of Ulta on this card. No. No. I usually only do one Ulta purchase a year, and that's on after pay. Yeah, but it can be a huge haul. No, it wasn't on this card? Uh-uh. I have you buy stuff for yourself on this card, and you did Hugh Charles of Ulta on your card. You're really into your appearance, and hair and makeup stuff are essential for you. I do that. I do one big purchase at Ulta once a year. You have a lot of makeup on right now. Well, that's perspective.

1:33:53I mean, I feel like you are more into people who like natural beauty. Yes, I like when people are attractive. Well, that's also a matter of opinion. Well, you said natural beauty. Natural beauty. Like, don't wear makeup. And like, I wear makeup because I have like, so when I was younger, I was super skinny. And then like, I gained a lot of weight. So like, I wear makeup. Makeup doesn't cover that. Gym changes that. We're going to fight, but that's fine. Whatever. What? No, makeup doesn't make you skinnier. I didn't say it made me skinnier. She don't think. What are we fighting about then? She doesn't think she has natural beauty.

1:34:31She's really hard on herself about that. We all have our own types. But what are we fighting about? Losing weight? There is something happening there. You're going to throw the victim thing out again. I need a minute. For what? What happened? Well, maybe you can answer. What? I think saying the gym fixes that. Well, no, no, no. When it comes to losing weight, makeup does not do it. It is the gym. Yeah. I think she doesn't have to lose weight if she doesn't want to, but makeup isn't what fixes that. Yeah. Is what I was saying. It's dieting and gym. No? And she does that, but not seeing results is discouraging.

1:35:17That certainly is, but thank you. Okay. We'll pause for a second. Give her a second. Okay.

1:35:37All right, ladies and gentlemen, it's a little weird. I'm going to bring Lindsay in real quick. All right. The producer, Lindsay, you know from the post show and Hammer Squad and everything behind the audit, all the goodies. What is happening? They're not coming back. Just straight up not coming back? Straight up not coming back. This is the first time that this has happened for me. There is so much more paperwork. There is so much more paperwork. This could have been a two-parter, our very first. All right. Well, I guess we'll go into the post-show an extra 20 minutes of this episode. We'll break down kind of what happened and what's left.

1:36:18So click that Join button for three premium shows. Post it every single day, Monday through Friday. I know I was a bit hard in this episode, but I mean, it's worked for a lot of other guests in the past, and people need to face their reality. And I think we even got it on camera, potentially, we can put it in now, right now. And I know we've already kind of asked it, but I want to just, you know, now that it's just you and me sitting here, do I have consent to make fun of you, rip you apart, and roast anything and everything I desire? Hell yeah. Beautiful. Remember that? Gave full consent, so I really didn't think, I guess, I don't know, she took it really hard, but I think it's also the first time she's getting called out for her both in her life, and I think she's not willing to accept that, and she's always been the victim, but Yeah, I'll see you guys in the post show.

1:37:05Click that join button. Just so. Oh, come on in. Oh, they're back. Okay. We're back. We are so back. Okay, how are we doing? Still look a little on edge. You okay? Yeah, I'm okay. Well, welcome back. We're in the post show. How are you guys doing? We're fine. I have conversations to be had. 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. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise. Next up is a little song from CarMax about selling a car your way.

1:37:49You want to sell those wheels. You want to get a CarMax instant offer. So fast. Want to take a sec to think about it. Or like a month?

1:38:11So, want to drive? CarMax. Pickup not available everywhere. Restrictions and fee may apply.