Vile Piece Of Sh*t Can't Wait For Her Mom To Die | Financial Audit

25:20Well, we're not independent. What? My debt, his stocks. Because he's good with money. So I don't want to be a part. Clearly not if he's with you. If he. Also, it sounds like he invested in a mean stock. So I don't know. If he went from$50 ,000 to$500 ,000 or whatever. It wasn't like Game Stalker. It wasn't like that. Game Stalk? It wasn't like that. I've never heard of that one specifically. Game Stop. It was. Okay, I got it. It's okay. Something else. In the world of you guys going about all this, do you budget? Do you have a budget? When you guys talk about money, what does he know specifically now?

26:04On a monthly basis, what does he know? On a monthly basis, he knows we have to make at least$6 ,200 to pay off the minimums of things. What the f***? You just told me 63 is your average going forward. I'm saying we have to at least make 62. No, no, no. You told me 6 ,300 is your monthly net income on average going forward. No, I said. No, you told me 6 ,000. I said we make. Rewind it. Rewind it. We can say 6 ,300. Okay. I said we make between 5 ,800 and 7 ,000. I told you to give me an average and what did you say? What do you think an average is? It's about. So some months maybe you make 58 and some months you make 7 ,000.

26:55No, that's why I said. And then the average is 63. What do you do when you make under that 6 ,200 in a month? 58 is my base. I have two jobs. That's not my question. My question is when you make 50 whatever. How do you pay the 6 ,200? How? How? How? You don't have the money to pay for it. How? We've been taking from savings. What savings is there? There's zero now. So what do we do next time? Which is going to be my damn fucking question. I don't know. I don't know. I don't know. That could be next month. Yeah, it could be. Remember what I said about you? I'm going to try not to let it be, but.

27:39I'm going to try. It could be any time. If we were trying, we wouldn't be in this position to begin with. Yeah. Does he, okay, he knows 62 has to come out. Yes. Does he know what comes in? Yeah. So he knows when you get 55 or something. 58? Yes. Yeah, he would know. And his thoughts? He just offers to work more. That doesn't help if we're already under for the month. Yeah, it doesn't help for the month we're in. once the month happens, it's over. Doesn't that matter for making payments? Doesn't that f***ing matter? Wouldn't you suggest that matters to me? I think that matters. Well, you don't always have a choice.

28:27You have a choice of the debt you got in and the spending that you do, lady! Yeah. Girl, you spent almost$900 going out to eat last month. I think that's a pretty f***ing choice. Well, he was on tour. I don't give a f*** what he's doing. He's a b***h,$500. I don't give a f*** what he's doing Pack sandwiches He did Good So then that's no longer an excuse That he was on tour Well he can't only eat sandwiches Yes he can He can have whatever from the grocery store He can do a lot of things Yeah he makes his sandwiches He ate tuna Very proud of him He stole our can opener That is no longer an excuse for the$900 almost spent I'm sure it was me too Because I work at night and it's easier to just buy from the cafeteria.

29:15The cafeteria.

29:19But at least I'm paying$7 at a cafeteria for a full meal than going to... It could be cheaper per meal at the grocery store. It could, but... And it is, and you don't, because why would we have any sense of maturity at all? I'm sorry, I'm fucking lit up in this conversation, but it's blown my mind so far, to be completely honest. Okay, so last month It was It was on that$7 ,000 range Okay Seven to eight Okay But it was also one of the last months Until that pay Yeah Okay, how much went out? How much was spent? That includes on debt Well, I made You said between seven and eight I don't care about your income Yeah, how much went out?

30:01I care because I know I don't spend a lot more than my income Probably like ten A lot more, she says She knows she spends more That's good. And we allow that? We accept it? No, I'm trying to work on it for sure. What? Why don't you just do? It's money that you don't have. Just fucking don't. Trying is$900 a month going out to eat? Okay, sure. That's a great try. Keep going. How much went out? Sorry, I'm being rude. I think maybe$10 ,000. Okay, it was like$14 ,500. So I don't know what the fuck you're talking about, man. That's double. Yeah, that's fine. It's more than double your normal average.

30:42And you think your minimum payments is what you can't afford? No, it's your f***ing spending. Your past spending that you can't afford. The last month is what you can no longer afford. Okay. That makes sense. But like I said, I am working on it. It's not as easy as just quitting something. But you haven't done anything. You don't budget. You don't communicate. No, no. Because I've always been the baby. You don't put... Everyone always takes care of me. Oh, what a disgusting attitude. No one's ever said no to me, so I'm just not used to it. What a disgusting attitude. I'm just not used to it. Not used to being an adult.

31:19You're f***ing 30. Grow up. You want to be a mother. Grow up. Yeah, but I'm the baby of my family. You're going to have a baby. You're f***ing. Not yet. When we're ready. Uh-huh. You told me before the conversation that you guys are trying, so. We're gonna try. Hmm. The baby of the family. You're 30. What a disgusting sentiment to have in your brain. You'll never get ahead in life, ever. There's no conversation to be had. How can you say that? That's not true. Did you hear what you just said? I'm just saying why I'm like this. if you're able to acknowledge it it's even worse because it's no longer ignorance it's just choice no i'm working on it i have to learn to say no to myself in the last month you spent double what you make how is that working on it do you mean you spend normally three times what the f*** are you talking about probably but you don't even know what does trying entail to you trying to me Trying and tailing to me is like downloading a budgeting app, okay?

32:32Write a f***ing spreadsheet. You know, not taking the credit cards when we leave the household. Communicating with our significant other. Who would have thought about that one? That would be trying to me. You have done none of that. That is not trying. What is your trying? I don't see trying. Please explain trying. Me trying is using the debit card for small purchases. And if I want something big, saving it. Saving what? Oh, your money's going to die. What are you talking about? Like thinking about it. Waiting. Thinking about... Waiting to buy it. Make sure I really want it. It's not a bad mindset, but that obviously is now what has correlated into the reality of your situation.

33:12Well, it's a day-by-day process. Hey, Pookie. Our Memorial Day sale is happening right now, and it's your shot to grab some of the tools you need to own your financial future. Yeah! And for 10 short days, May 23rd through midnight on June 2nd. Every single one of our classes is discounted. Pick any individual course and slash 20 % off. Just$157 each. Or you could go all in with the complete Master Your Money bundle and save$237 at 30 % off. So you can secure the core four courses at a massive discount. And inside, you'll find step-by-step lessons on budgeting, crushing debt, and beginner-to-advance investing.

33:53Everything, you need to start making smarter money moves today. And this deal disappears the moment the clock hits midnight on June 2nd. Click the link in the description below. Lock in those Memorial Day savings before they're gone. Take control of your financial future today. See you in the classes. But the last day we have to look at. Yeah. So I don't know. Again, I don't know what you're talking about. It is a trend on the show of people coming on and saying, I'm trying. They always want to just look good on the camera. or they changed something two days before they came on because they know they're going to be on camera.

34:23It doesn't matter. I literally have your most recent statements and they're beyond f***ed. So that is a lie. Or you're just trying to say something that'll look good in front of the audience. No, I don't need to look good. Then what is happening? Because that is bulls***. I'm trying. No, I think in your brain, you have a slight wanting of getting out of the situation, but not as much as you want to keep f***ing around in reality. Well, I think I need to understand what I'm spending on. You know how you do that? You budget! You already know that Everyone knows that That is a basic tenet You do not have to be a financially literate person To know a budget exists That you can make Listen you get the budgeting app For free forever the premium version We have to pay for the account connections on your behalf And those who signed up for the annual version Of course link in the description below Gets the cookbook that you can't purchase anywhere else That we made for budget friendly cookbook I'll sign it and I'll mail it directly to you If you want to come on the show go to galebhammer.com slash apply.

35:20Usually I ask what you think you rate yourself, financial score. What do you think the household financial score is, zero to 10? I took the test on your website. I think I got like a one. If you want to know your score, take the assessment, the one she took, go to galebhammer.com. Use the link in the description below. Oh, let's get this finances on the moving because, oh wow, we have, ooh, chunky, chunky.

35:51It's a big one. Okay, cool. Oh, good. We're starting to f*** this insane balance. Okay. Amex. What's going on with this? Oh, it's an Amex. Wait. No, okay. American Express. What is it? That was a consolidation. I did. Why do I see f***ing... Oh, interest is accruing. I said purchases earlier. I thought it was... Okay. So, you owe$17 ,532. You f***ing consolidated? You consolidated. You consolidated. You didn't even know where... and now we have debt again? What are we doing? Obviously, again, change your behavior before you consolidate or go bankrupt because clearly this does not work. I am not against the tool of consolidation or bankrupt or whatever.

36:34My debt's not... What? I don't think my debt's as bad now because I had to do this because... We have$70 ,000 of bad debt and this is only$17 ,000. But I had to do this because my cards were maxed out. And it was really my credit. Your debt is as bad. Your limits just might be higher. Yeah, well, technically this is now my mom's debt. Were you under the sun today in the sweatshirt? Yeah. Have you seen you? What do you mean? You're like burnt, but in a small strip. Oh, no, I was in Florida last week. Wearing a sweatshirt? No, no, it's a wearing bathing suit. It's your shirt. Oh, I see it. I see how it's working out.

37:11Okay. Sorry, I just noticed it. It looks painful. It is. It's peeling. Okay, keep going out. It's my mom's debt now Huh? It's in her name It's not in your name? It helped my credit a lot This is not in your name? No, my mom took it out for me Wait, wait, wait, wait, wait, wait Why is your mom taking out debt? For you? For you? Just to help But she But it's her debt She took out the debt for me But I'm paying it back you're putting your mom in a near $18 ,000 loan thing for your own mistakes are you kidding me this wasn't cash you just gave you this is a 30 % or something right I think it's 12 even if it's 12 that's insane it's disgusting I can't see it yeah I don't have it it's not on the page for some reason but I do see that$131 of interest is accruing of course we're only making the minimum payment which is$635.91 What the fuck are you doing?

38:13Yeah, but it'll be paid off in two years That's your mom This is your mom's risk It's already been a year We talked about the death situation earlier If you die, yeah If I die? Yeah, in the low likelihood situation I think she'll die first Huh? I think she'll die first Why are you saying that? You could get hit by a bus outside There's no buses There's, yes there are What are you talking about? Oh, in Austin? yes i'll avoid the buses oh you are oh you're so what are you are you sure we should have a kid i don't know okay

38:52what if you die tomorrow this also and also no it won't be paid off in two years what are you talking about i'm pretty sure it was just a two-year loan i took this out to consolidate to pay off my high, my like, I had two credit cards that were maxed out, so I had to consolidate them. She was just helping me out. Why does this not say like most normal people? Yeah, she was helping you out, but she was taking out debt on your behalf. Well, I'm her baby. Oh, fuck. Not this again. You're such a child. Why are you, you think that's cute? You think that's acceptable? You think that's an endearing trait to have?

39:27It's embarrassing. Are you not embarrassed? I'd be embarrassed. I'm embarrassed for you. No, I'm not embarrassed. You should be embarrassed. I'm embarrassed for you.

39:38I see this taking... No, this takes three and a half years from today, and it's probably already been open for how long? Can I look on my phone? Just tell me when-ish you took it out. No, I want to look on my phone to see when it'll be paid off. Because I have a spreadsheet. Dude, no, I don't... No, no, no. Just tell me when you took out this loan. I think last winter. It is not a two-year loan. It is a four year loan That doesn't make any sense Well it does with math And also has he texted you back yet Oh I was on silent No Well I think we should call him later honestly Either at the end of the show or in the post show Okay I took it out in October Yeah it's a four f***ing year loan Four to five Four to five year loan You think that's okay?

40:31That's four and a half years I have it being paid back in 2027. So three years. Three years. You're wrong. Three years. Also, you said two. And it doesn't matter. Again, your mom is responsible for this. If you die, if anything were to happen, if you became disabled, if you lost your income. She'd be okay. Shut the fuck up. She would be okay. She took out her debt. She didn't gift you money. She will be okay. She makes a lot of money. She took out her debt instead of gifting you. Obviously, she is not in a position where she would just be okay or else she would have gifted you money. She can't give you money.

41:02What the f*** are you talking about? Shut up! She gifted me$60 ,000 a year before. She's not just going to keep gifting me money. Why? To buy my house. You have never worked for anything in your life and you only just go and die. So, you're about to make a trade based on a friend's text. But which you do you listen to? Is it, we could buy a house in Tulum? Get optioning those options. we could lose everything or let's do a little research get your head in the trade and make the investment decision that's right for you learn more at finra.org slash trade smart you're such a f***ing child oh my goodness you disgust me I'm okay with getting a gift but look how you've used it who can save up money for a house these days me, Lindsay Josh, Brandon That's great.

42:00I'm happy for you guys. Four home people in this office of 15. I'm very happy for you guys. You just asked. But we're in New York. Lindsay, how much is the house you're getting-ish? It'll be about five hundred. There you go. More than the house you got. That's great. It's not a competition. It's not a congratulation thing. It's like your example's fucking wrong. And also, you're in two hours away from the city. You want me to save$60 ,000? if they're working for one year? No, I'm saying you've never worked for anything in your life and your mommy's just giving you everything and you've never had any discipline.

42:33Now you're dragging your husband down because you're not going to be getting the debt you're getting out. She bought a house for everyone. Then she's spoiling and enabling her children and look at the behavior. Look how it is translated. You're financially abusing your husband. You're bringing a child into a world that you're going to completely over. You don't have a single financial discipline equaling to your name. No, that's not true. How is it not? You have nothing but horrendous debt. You didn't know your debt. You have a budget and you don't even know the way out of this That your entire thing you can say is That's why I'm here Your mom took out a loan on your behalf Because she gave all her kids money in order to get houses Now she doesn't have any money to her name That's why she had to take out debt And if you die she wouldn't be able to afford this If you get laid off If you get fired for being bad at your job Because you're a moron Then all of a sudden Oh mommy I don't have money to pay I need to pay for my mortgage first Mommy has to pay her debt Mommy will be fine She's been paying my 40 year old sister's debt every year her whole life.

43:27So I'm not as bad as her. Your family is nothing but a disappointment and a joke. Well, they need to teach this stuff in high school. You can teach it to yourself on your own. There's books. There's libraries. There's the internet. What the f*** are you talking about? There's this show. There's the money guys. There's so much out there. Yeah, well, I started watching your show. I've learned a lot. Apparently not enough. This is ridiculous. $17 ,520. $32.96 at a$635.91 minimum payment for mom. For mom. For mom.

44:13Are you kidding me? Are you actually what are we doing? What are we doing? What am I looking at here? What am I possibly seeing to mom from. To mom. It says to mom. Mommy. That's what it says. What is this for? That's more money she let me. Are these individual balances or is this stacking? I guess, I don't know what stacking means, but as it decreases, that's what I've paid. So you owe$8 ,561 to mommy. Yeah. For what and why and how? Same thing. What? Consolidating. A different one? It was the same time. It was an extra thing. This was the cash that she gifted you, and then she took out her credit card because she didn't have enough money, but she's enabling her children.

45:00What a—you are—oh, the way you guys are using your mother is disgusting. Oh, this is nasty. Mm-hmm.

45:12It wasn't even her f***ing cash. She took out her for retirement. You made mommy take this out of— I didn't make her. I do not like you. I officially do not like you. That is a rare thing. I do not like you. You are a bad person. I didn't make her. You're a bad person. You're a bad person. You're a bad person. I didn't make her take it out. You're a bad person. You're a bad person. You are a bad person. From mom's retirement. How old's mom? She's 65. You're taking from a 65-year-old to consolidate your own death, and you f*** it all up, and then mommy has to take it off from a credit card. My mom makes a lot of money I'm not worried about her She's 65 Who do you think are on the chopping blocks for layoffs?

45:58No wage discrimination of course She has her own business Okay Let's see how long she wants to do that Let's see how long her health is Let's see how long her business goes well Let's see how long she has the energy for it You do not account for anything in the world happening You think everything is a stagnant flow Where no matter what has been happening for the last 5 years Is what's going to happen for the next 50 You do not understand a single thing in this world and you use people around you, including your husband. You use your husband. You use your husband. You use him for emotional balance and you don't allow him to know any of the stresses in life so that he can just be there as a fucking rock and you just use his emotions.

46:37Now you're using his fucking nut. She will be fine. She's already finished her whole workflow. You are a bad person. She gets her pension. She gets free insurance and she'll get money for the rest of her life. You are a bad person. You should actually give a fuck about her. It's not that she'll just be fine. She worked in the fire department for so long. Congratulations, mom. You put out fires. I'm thrilled for you. Good. Yeah, so she gets money from them for the rest of her life. Let's abuse fire workers. Fire women. Yeah, I don't really like the fire department by me, so I don't care. But, yeah, she'll be fine.

47:13She gets money from them. She gets money from her job for the state. Girl, do you not realize how this... She'll be okay. Oh, shut the f*** up, you disgusting, absolute creature. Do you not understand what you are saying? I'm saying she's an adult, and she decided to make these decisions to help her children. You f***ing went to her. And that's her own decision. Hey, how did she find out about this? Hey, lady, lady, lady, how did she find out about this? Huh? Huh? I tell her everything. Yeah. There you go. You told her probably did a little, oh, I'm a little baby. You probably manipulate her. Look at you.

47:49I know people like you. We all know you. You probably manipulated her. You kept dropping it. Just like you drip feed your husband. Oh, little struggle here and there. All of a sudden, mommy, little daddy. I had that. Oh, I'd love to get a little house, mom. Oh, mommy. I would love to get a little house. And then all of a sudden, she's like, oh, daughter. I'm a firewoman. And it's just like, like, come on. EW! EW! You're making me crash out!

48:23Just what the f**k? I mean the thing is...

48:29We talk a lot about financial emergencies, but what about the kind you can't see on the spreadsheet? Stress, burnout, anxiety, they creep in quietly and throw everything off. You don't have to hit rock bottom to ask for help, and that is where Sondermine comes in. They connect you with licensed therapists or psychiatrists based on you, your goals, your preferences, your schedule. Online or in person, fast matching, no endless waiting rooms. And their app has self-care tools to help you stay grounded between sessions. The best part, it's accessible. Sondermine works with most major insurance so you're not draining your bank account to feel better.

49:06Sondermine is available in all 50 states. So yeah, they're probably available where you are. Like, taking care of your mental health isn't a luxury. It's a part of taking care of everything else. Go to Sondermine.com slash Caleb or click the link below to get started today. That is Sondermine.com slash Caleb to get started today and make mental health a priority in 2025. Ever been stuck with an unexpected bill just two days before payday staring at your bank account like money will just magically appear? I've been there. College days, car breakdown, and yeah, I'm Googling cheap bus rides and dignity.

49:38and that's exactly the kind of moment where step would have been a lifesaver step is the all-in-one money app that actually gets it with step early pay you can get up to 250 instantly no interest no hidden fees just your money in your account when you need it most all you have to do is set up a monthly qualified direct deposit and they'll handle the rest because life doesn't wait for a payday and neither should you need a little extra cash on top of that for your birthday gift that you forgot to buy or the parking ticket that you forgot to pay step also lets you earn extra cash over$200 right in the app.

50:09Take a survey, play a few games, boom! Now you've got more money to cover a surprise expense. Spend that money with your Step card and you can build your credit or use it to cover your phone plan, which you can also get on Step for only$15 a month. Yeah, they got all the things, so go download Step if you haven't already. Now, if you're not too distracted playing games for money, let's get back to the show. You're gonna have a kid. When mom's not here, you're fucked. Mommy's not coming to the rescue anymore. Good luck. Well, when she dies, don't I get money from her? Yeah, she has a big nest egg.

50:42I don't know. But that's disgusting. Your language, shut the fuck up. Your language is what was disgusting. You're the one who brought up her dying first. Your language is what's disgusting. Your language is what's disgusting. You said, oh, she'll be fine. That is not caring for her. That is not caring for the debt that she has given you. That is not caring for the blessings that she has provided. Oh, she'll be fine? No, it's, oh, I'll work to make it up to her. Oh, she'll be fine? That is disgusting. you are disgusting you are a bad person and I'm calling as I say I don't give a f*** I don't care if I look bad I don't care if you don't like this I will work to make it up to her I'm paying her yeah now you say that now that I said that but that's not what you said that's not what you said from your f***ing gut that's not what you said from your heart that's not what you said from your brain you didn't say that you said oh she'll be fine that's what came out of your mouth well you don't know my relationship with my mom no but I know the words you're saying and you only said that you'll make it up to her after I said that's what you should have said and I don't believe you at all I believe you're good at regurgitating other people's words after they say it to you because you have been nothing but a manipulative princess your entire life.

51:41Oh, disgusting. Do you have a minimum repayment you owe to your mom? I don't even want to continue this. I just pay her$150 ,000. No, every two weeks. So it's$300 ,000 a month.

51:54You paying her back that$60 ,000? No. That was a gift. See her face when she said that? What a joke. What a joke. I'll fucking send you to therapy if anyone has ever needed it. I have therapy. Three sessions through Sondermind. Well, whatever. If you need a change, which you might. Yeah, it's real cute what you're doing. And fuck you. I mean, I'm not even going to gift you the fizz card. It's great for you guys, but not for her. Yeah, I don't even have cash for that. I want to cool down. I want to cool down. Yeah, exactly, because it only lets you use what's in your checking account. So you would be, because...

52:32Right. I'm not worried about my credit anymore. You're right, because mom's there. You're not worried about anything, because you've never had to do anything, because you've been nothing but a spoiled brat your entire life. Let's call it how it is. Man. I love roasting people. It's fun. I love the jab, and I love a good back and forth. I hate that I do not like you. It is a bad feeling. But you are not a good person. And I need to call it out, because no one's probably ever told you that before. You've been nothing but just fucking just babied your entire life as you've self-admitted. Yeah, people like me.

53:11Because they don't know you. They don't see this other side of it. Southwest. Great. $5 ,119.57 with a minimum monthly payment of$125. How long does this take to pay off? Is this another three years, two years, one year? How long does this take to pay off? if you don't purchase on it, which by the way you're incapable of because you purchased more than you actually put towards it. What's the balance? $5 ,119.57. If you only made the minimum fee payment and you didn't purchase on it, how long does it take to pay off? 25 years? 15 years, which is still insane. You're okay with 25 years because look, guess what?

53:50You're purchasing on it. You put$500 towards it, that would seem like a great amount of money, but guess what? You purchased$649. I'm not okay with it, but I can't afford to put more on it. Maybe you should be spending whatever the fuck you're spending on. Should we go through what you're spending on here? What are we going to see? What are we going to see? When I go through here, what am I going to see? I don't know. Princess, what am I going to see? Southwest. I think I told my husband he used that card on tour. I don't remember. But look at it. I don't know. Is he going to stay with you after this?

54:18Yeah, we like each other. When he sees this? Yeah, does he know what he is actually attached to? What he's about to fucking birth with? He's known me a long time. I don't know why he decided to choose me, but he did, so. Probably because you're coming from money. $74.24 of interest is accruing.

54:36Microsoft Ultimate. Right, okay. That's the Game Pass, right? That's the game. Jeff Bike. Going in gas station, getting into bulls. Going to the gas station, getting into bulls. Going to the gas station, getting into bulls. Hmm. Tour stuff, probably. There was a late fee this year. There was a late fee this year. What the f***? After being bailed out this much by mommy, there are late fees you've never learned anything because you've never had to there's been no consequences you are financially fucked and yet you go and own a nice home I just can't do automatic payment no do not understand this you are financially fucked yet you are out there living the American life that a lot of people dream for you have achieved that home ownership goal at 30 you do not deserve this it has been given to you on a fucking platter you have not worked for anything and you've never learned anything Well, like I was saying, they're late because I realized the day after they're due.

55:29But now it's in my calendar. Just set up automatics. No, because I like to pay it twice a month. But you didn't, and then you purchased more on it anyway, so it doesn't even f***ing matter. It doesn't even f***ing matter, dude. I know, like I said, when we're out of cash. But you shouldn't be. I know, I know. But you don't budget, you don't communicate, and you just take your mom's money, and you f*** around with it. We're children. Yes.

56:03This is making sense. This is a lot of interest occurring. Just hundreds of dollars of interest. I know. That's why I'm so adamant about paying 0 % APR promotions. Oh, we'll see. But I don't even know if I'm able to at this point. Yeah. Buy your choices. You spent$900 last month on the month where you're getting better on going out to eat. I've been sick. Chase card.

56:37I've been sick so I can't cook it makes me feel sick He's been to cook. He's been on tour. Is he a fucking rock star? Yes, he's a musician. And he's still on tour. And he can't cook. Well, he got home Friday. Good, and he can't cook? He can cook, but he was on tour. You can't meal prep. No, like I said, I was getting nauseous when I was cooking. Why? Just the smell was making me feel sick, so I took a break. I was probably just sick. I don't know.

57:13$614.74. Minimum monthly payment,$35. Oh, my fucking piece of fucking dick.

57:23$1 ,297 of purchases on here, while$24.38 of interest is occurring. What the fuck are we doing? What the fuck are we doing? If that's Amazon cards, just stupid Amazon purchases. Then that's not cutting back. If it's stupid Amazon purchases It's not cutting back Well I told my husband I want to cancel our Amazon subscription Then do it You do everything else without his permission He likes to buy stuff off Amazon Great you guys don't have money And he probably doesn't incorporate anything Into this household income anyway Knowing what he does now That's just one of his jobs

58:06Pull up your Amazon card for me Yeah, it's Amazon, Amazon, Ye's Kitchen. Amazon, Amazon, Amazon, Dear You. Prime Video, Amazon, Kindle Services. Amazon, Amazon, Amazon, Amazon, Poshmark. Amazon, Amazon, McDonald's. Come on! For fuck's sake! You went into 7-Eleven and got so bull****. Burrito Boulevard. Amazon, jazz wine and liquor. It's not even just being used for only Amazon. It's being used for so much bull****. Things that don't matter. F*** you dumb. At least no late fee on here. What the f*** is this thing? You've never seen it? What is this? It's just a little phone. I don't know how to screen record on this kind of thing.

58:49Oh, same way you do on Apple. You just swipe down. No. Or else I would see it. Well, you can get it started. You can get it started. You can get it started. You like that phone? Yeah. It's cut in half. It looks so... I did break it, though. Low quality. Oh, that's why. There you go.

59:16Bullshit. I felt it. That's fine. Yeah, we needed a f***ing mug and piping and shampoo, yellow tones and condition damage and parental. We f***ed. I'm trying to get preggy. And Kirkland extra strength, absorbent pads. Good doggy. Hot anti-bait kill queen colony. Okay, yeah. Glue cards refilling. Pop drop morning sick. Okay. Amazon. Thermostat for adults and kids. You didn't have a thermostat at your house. You did not have a thermostat at your house? No, I didn't. What? Is that a normal thing people have? Yes, they have a... Right? A little beep, beep, beep, beep. Well, now I do. Okay, well, yeah, but you got an expensive version.

1:00:04You just under the tongue, girl. Marvel assembles hero. I don't think the kids here yet. Plus, we don't think the kids here yet. Coconut fiber, Matt natural. What the fuck are we doing here? Many guitar, headphone. Get that one. Wall art. Great. That's necessary. More wall art. Great. Outdoor basketball. Fantastic. Necessary to live. We would die if we didn't have that. That's my nephew's birthday. Don't give a fuck. Pay off your debt. Then give him a nice birthday present. I pick the cheapest thing you want. I don't give a fuck. Book. Go to the library. I say that He says he wants to own them I don't give a f*** Don't Want doesn't matter And also sure He probably wants things Thinking your financial situations better Because he doesn't fully understand the context Because you haven't allowed him to Until right before he went on here More books More books More books This is f***ing stupid It's stupid

1:01:04Home Depot. Okay, what the f***? What's going on? We... Building a crib? No, we redid our kitchen last fall. Summer, fall. Self-renovate? Yes, we did everything. Yep. Okay, well, you owe$2 ,761 on a high-interest card and 61 cents. The minimum payment is$47. You're okay with paying this off in 18 years? Because that's how long it takes. 18 years. 18 years to pay off your kitchen? you'll want to remodel it by 15 years. We have a 0 % promotion. And if I pay it off in a year. Literally interest is charging. To some things, not the full balance. Okay, well interest is. Probably to like$200. I don't care.

1:01:45Interest is charging. That is. The Burlington Coat Event is back. Buy a coat now through November 29th and get$5 off your merchandise purchase of 25 or more from December 6th through December 24th. Plus, Burlington is donating 50 ,000 new coats to help those in need nationwide through our partnership with Delivering Good. We've been keeping you warm for over 50 years. We'll see you at our coat event. Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details. What matters? To$200. Also, you're getting deferred interest and it has to be paid off in October of next year. I'll be able to.

1:02:22I hope so, except you're pushing. You told...

1:02:31Listen back to your own words. I know, but I haven't stopped yet. Oh, your fucking own words where sometimes I don't have enough money in my checking account to make the minimum payments. You just got your pay cut. Sometimes you make less than you need to make your payments. No, maybe you don't. I haven't had that happen yet. Your pay was just decreased, lady. Yet is the key word. I don't give a fuck. Also, you missed the minimum payment on another card, so that's not even true. I paid it the next day. It doesn't matter. It still happened. Yeah, but that's just forgetfulness. Not because I didn't have the money.

1:03:06Great forgetfulness. I'm not going to forget it again. I put it in my calendar. There are so many documents here. Who is to suggest you might not forget? Oh, you are ruining me.

1:03:19That doesn't affect you. Yes, it does. I give a shit. Aw, thank you. How about your husband? No, it's basically It's like 750 bucks That's a Korean interest So not just a couple hundred dollars That is still How do you know? Because it says it Lady, because I have the statement Where do you say it? What do you think is happening? Where does it say it? What do you think Here! What do you think is happening on this show? I want to know how to read I have statements Okay Dude What do you think is happening? It's so hot in here It's so hot in here I'm sweating It's just$20. It's really so hot because it's 103 degrees outside.

1:04:00It's$20. She's sucked on from the heat. Look what is happening. She goes to Florida like every f***ing Yorker. Okay, that's all she's doing. She just escapes and she goes to a place she can't afford anyway. I didn't pay. You have a nice little mortgage up there, huh? I didn't pay. Well, you didn't spend any money down there? No. Not a penny. I spent$20 on ice cream one day. Bad. That was my contribution. You don't have money. Well, they bought me food all week, so that was my contribution. My mom and my sister. Oh, for fuck's sake. Spoiled. I'm the one doing her a favor by going on a trip with her.

1:04:36She wants to spend time with me, so I'll go with you. You don't need to go to Florida. She has a house there. To spend time. She has a house there. Yeah, but to spend time, you don't have to go to Florida. It doesn't matter. It doesn't matter. But what a spoiled brat thing to say. Yeah, yeah, yeah, yeah. I believe I've lost a pen. And does anyone see a pen? You're right. I've lost a pen. A pen is gone. I don't want your spoiled brat pen. Why? Because it's going to rub off on me and I'm going to start milking people. Ew. They said you bought a lawnmower for$2 ,500. That's a long time ago. City simplicity.

1:05:10Yeah. Yeah. This is the house we want to bring a child into. Yeah. To be clear. We have an extra room. $6 ,228.38. Minimum monthly payment,$286.52. That's fucking crazy. Yeah. Yeah. I think it already has the interest incorporated in it, and that's why. Yes,$51.91 of interest is accruing. Takes eight years to pay off. What do you mean? What the fuck? Okay, what's up with this card? Eight years. Yes, eight years. Shouldn't be that long. What? I don't... Oh, I'm losing energy in Hope. What the fuck do you mean it shouldn't be that long? You're right, it shouldn't. Because you shouldn't have this much credit card debt in the first place.

1:05:55But it is because that's math, lady. I don't know. I don't f***ing know. I don't know. I don't know. I don't know. Okay? So you tell me what? What? Why shouldn't it be? Why shouldn't it be? It is, but it shouldn't. Because when they offered me the loan, like it was like a$4 ,000 loan, it said. Why'd you get this? A certain amount a year. To consolidate. This is 6 ,000. This is another consolidation. What is the point? What is the point of all this? Because 12 % was better than 24%. But look, it hasn't changed your behavior, and then you just rack up the other debt. Mm-hmm. Yeah, but when I only, when I do use my credit cards now, it's four needs.

1:06:49No, it's not weird. and he just went through a credit card. We just went through a credit card. It was food. And it was so much bullshit. It was food. No, it wasn't. Yeah, it was. What was it? $100 on books? That's a lot. That was stupid. Yeah, and the fucking stopping in against bullshit gas station ultimate game pass. I don't remember every little purchase. You should. That's not my responsibility. But there was a lot of bullshit. There was a lot of bullshit. That's my husband. I can't remember every purchase he needs. Listen, he's the other half of you. And if you guys communicated, you don't think that counts?

1:07:20Why would he communicate with me? Oh, I'm stopping at the gas station. Let me just tell her exactly what I bought and how much I spent. Oh, you. And this is why you grow up as a spoiled bitch has accomplished nothing. Because, no, it is not about, hey, I'm going to the gas station. It's about allocating the amount of money we're allowed to spend on bullshit at the beginning of the month. And we meet at the end and figure out if we did. And we adjust for the next month. That's a great idea, Caleb. And I'm going to try to do that. thank you for the advice I just don't see why he would ask me to buy from the gas station but you're right we can set a certain amount that we spend we shouldn't be spending at the gas station but he was on tour what do you want him to do he brought bread he brought tuna um I don't know the full number ish ish Ish.

1:08:21The band in total probably made 10. Him. And then he pays. I don't know. He keeps it to himself. He keeps it to pay off band stuff. He pays the gas, the hotels, the merch. Oh, my. No. I don't know what he does with it. I don't want to see it. You're married on paper only. No, that's not true. Yes, it is. Besides the little insertion. Yeah. Insertion? Wow. Well, you don't know we do that. You're trying to have a kid, and you guys are married. I hope you're f***ing. I said we're gonna try. But no, we like each other a lot. He's my best friend. And that's the extent of it. Because you guys definitely are not combined in life.

1:09:14We are. I'm just not anywhere else. I just have to keep his extra money safe from me. Safe from you? Isn't that smart? Oh, my gosh. You are. I'm going to. I'm going to. Oh, I'm going to. I can't. City Diamond, because I can't. I can't talk to you. I can't talk. I can't talk to you.

1:09:42$1 ,865.99. This one looks interest-free. What is up with this card? Same thing as all the others. Consolidation. This should be paid off soon. No. No. No. No.

1:10:03I mean, it ends in like 10 months. That's pretty soon. 11 months. no the interest rate period it takes four years to pay off yeah but I pay six years I pay 110 a little extra so it probably still won't get there it's not working plus I do the math listen math lady I have a spreadsheet I have a spreadsheet my spreadsheet in my brain tells me that do the calculations how much do I owe okay here's the calculation no I'm gonna tell you oh I calculated it I owe a thousand. I just did the calculation. And I pay$110 a month? Hey, hey, hey, hey. What does that mean for you? Boop, boop, beep, boop, beep, boop, boop.

1:10:45I did it. If you make$5 ,800, you can't pay your$6 ,200 required on a monthly basis. But that hasn't happened yet. Yet. You just lost your body. You just died. You just got a devotion. No, I didn't. And take home pay. Yes, you did. Yeah, and take home pay.

1:11:07Dude, how do you not realize that? If you do not make the money to be, I don't give a fuck what you... You're going to help me figure it out. Isn't that what you're here for? No. No. I can't just say, go get paid better again.

1:11:29Dude, what the fuck is your existence?

1:11:41hey guys always ask me caleb what do you invest in and honestly i keep it pretty boring take a look at this take a look at this this is my investments right here and this is why you gotta follow me on blossom if you want to see just that a couple weeks back i stumbled upon this social investing app called blossom and thought all right let's give it a try and it turns out it's actually really cool. And to be clear, they're not a brokerage. Blossom is a completely free social media platform. They're not your typical investing app. It's social, meaning you can follow exactly what I'm investing in and you can check out my portfolio in real time and even discuss strategies with me and other investors.

1:12:20There's no guessing games, just clear transparency. So if you're curious about how I'm investing or just want to get smarter with your money, download Blossom right now and you can follow me at caleb hammer i'll be sharing my exact portfolio breakdown investing tips even responding to your questions it's totally free super simple and way more fun than just guessing stocks alone so hit that link below join me on blossom and let's grow our money together seriously right now you can actually see what my portfolio looks like today well this one's not zero percent you also purchase more than you put towards it so freedom card freedom from using in your brain once.

1:12:58Have an independence once. Freedom from mommy? Oh, no, no. $4 ,264.09. Minimum monthly payment,$105. 14 years to pay off if you don't actually purchase and make the minimum, but you only know how to purchase well. $63. Why wouldn't you purchase on a card that it's at least not accruing interest? Like, if we're just being, like, logical about it, I don't get it. $63.14 of interest is accruing, and then you go and purchase on here. Like, what the fuck are we? I have cards that are 0 % interest, but if I can't afford to pay them anyway. You can't afford to pay off the cards that are accruing it. Why would it matter?

1:13:35Because it's just like.

1:13:45LA Fitness, Pet Start, Home Depot. We already have a Home Depot card. What the fuck? What the fuck are we doing? Well, I try not to put... Well, it doesn't matter. I try not to put Home Depot purchases that won't get the promotion. I try not to. Oops, and then I do. Well, we fix everything on our own in our house. It doesn't matter. You still put it on a car that doesn't bring an interest. I don't give a f***. That's not what I'm talking about. Did I say you shouldn't fix things? No, but we have to go to Home Depot to get parts. It's not like you could afford a contractor anyway, so I don't know what you're bragging about.

1:14:21I'm not bragging. What are you saying then? I don't give a f*** a lesson. You have a Bonvoy card. Minimum monthly payment, 40 f***ing stupid dumb dumb dummy dumb dumb dollars. You owe 1 ,065.31. Minimum monthly payment,$40. Three years to pay off. Interest is accruing. Minimum monthly payment made. No more.

1:14:52A couple hundred bucks interest accrued this year so far. I had that card at zero. But I had to get Botox at the beginning of the year.

1:15:08Had to? What would have happened if you didn't? Well, my TMJ was really bad. I don't know what the f*** that means. It's just this muscle in your jaw. Well, can I tell you something? You look 30. It's not even like doing anything for you. It's not supposed to. It's to relieve pain. Doctor's orders? It's the only thing that works for Team J. Doctor's orders? Yeah, well, I see a doctor now, so it should be free in the future. How much did you spend on it? $1 ,200. Where'd you get Botox? America? Yeah. Yeah. At least he did that. I'm a little nervous going to another place for Botox. People have had good luck.

1:15:56Why are you yapping so much then? So much bullshit that job you heard him. What?

1:16:04What do you mean?

1:16:08Because of my TMJ? I'm surprised you've never heard of it. Why would I? I don't know. Well, it was causing me like 10 out of 10 pain, so I had to get it. I don't know you, so why would I know? What TMJ is? Yes, why would I know that? I mean, it's a very common condition people have. So people just going through, getting$1 ,200 shots always, constantly. Botox lasts, what, what, three, six months? Well, Google it. What's the best pain relief for TMJ? It's Botox. Yeah, but you have to go do this, so you have a$1 ,200 payment that you've done every three months? Well, I had 10 out of 10 pain. I was crying.

1:16:45from the pain. I'm not against that. I'm asking, oh my, why can't you answer the question? You have to do this every three months. No. But now insurance will cover it because I found a doctor to work with. And you've done the muscle relaxants, anti-anxiety medications, low-dose antidepressants. Yeah, I've done physical therapy. I did steroid shots. Physical therapy. Mouth guard. Okay. Again, I remember Postal, but why did you go do that instead of go to a doctor first? It was so bad. I wanted to get it done immediately. You can go see urgent care. No, you have to see a specific doctor. And she has to jump through a bunch of hoops to get it covered by insurance.

1:17:22So it's already been in process. I saw her for the first time in March. I'm not necessarily opposed to that compared to everything we've talked about. And again, that purchase isn't even on the statement, so it's not even something to talk about for this last month anyway. But it's why interest is accrued on a card. Someone in your income situation living the life that you live, being bailed out so many times, being spoiled. You should have an emergency fund that would have covered that anyway. So it doesn't even matter. or shouldn't have been on a credit card to begin with, if we're being completely honest.

1:17:46PayPal credit. What's going on with this? That's just little purchases I like to push off. Like, you get the six-month, and then you pay it off. So, like, sneakers that I need for work or concert tickets or flights when I go somewhere. Little purchases. Those aren't little purchases. I thought you were talking about, like, a vending machine stop. and McFry. Huh? No, I would never put that off. Well, you said little purchases. Again, you have no concept of money because you've never had to work for anything in your life. Everything's bananas to you. I mean, little purchases like$200. And you've never faced any consequences and nothing's ever negatively impacted you in your life financially because you always had mommy in your back.

1:18:28No, I used to have daddy too, but he died. Well, see, told you it can happen. Are you sure you want to leave that on your mom? If you do.

1:18:40I'm very sorry. That sucks. That's sad, and I'm sorry. But that shows that life happens, and you can die. Which means you put your mortgage on your husband's back. It means you put the credit cards that your mom took out for you on her back. Well, I got life insurance for myself. Yeah, how much? I think it's like a million or something. Okay. What's the status of it? What does that mean? Just like how long you've been paying into it, you know? Two years. Okay. What kind of life insurance do you have? It's three. This episode is brought to you by State Farm. Listening to this podcast? Smart move.

1:19:20Being financially savvy? Smart move. Another smart move? Having State Farm help you create a competitive price when you choose to bundle home and auto. Bundling. Just another way to save with a personal price plan. Like a good neighbor, State Farm is there. Prices are based on rating plans that vary by state. Coverage options are selected by the customer. Availability, amount of discounts and savings And eligibility vary by state Good, AAA What kind of life insurance do you have? Well Okay, it's a different conversation We don't need to go there, I don't care I'm going through your debt $1 ,236 with a$30 minimum payment Yes, you made more than the minimum on this But it doesn't always matter And there were purchases and adjustments anyway GOG, whatever the f*** that is GOG Games, I think Nine years to pay off Interest is zero For now Nine years Nine years Oh, to pay off Not nine years It's just free No It's just free until September 14th Well, many of them No, some start on October, lady June 14th September 14th I don't see a June But I do see October September Wait, sorry October, November, November, November And then February, February So that's a lot to pay off by then.

1:20:39That's when they started. And that interest is accruing like crazy. $16,$16,$32,$18,$17,$4. They will hit, they will blow, they will destroy you, and it will be... If he ever wants to get a real job and bring in real income, I'll gift him a course career certification, by the way. No, he's got money. My address firm. I hope so.

1:21:04It's hot, isn't it? Yeah. Mattress firm,$2 ,055.36 available to spend. I hate that it even says that. What is the minimum payment on this normally? Because it was already paid on here, so I can't see. Because you didn't send a statement, you sent a screenshot. I know, because we had just got it. How much is the minimum payment? I don't know the minimum. I only know the amount I would pay to avoid the interest, which is$100. Probably$45. No,$80. Maybe I wrote it down We're going to call it 45 bucks Okay So what is that? I'm guessing that's for a mattress Yes, you'd be correct How much of a mattress did you get and when?

1:21:49How much of a mattress? The amount of dollar The amount that's on there What was the purchase price, lady? Did you just get it? Yeah, that's why it's a screenshot Because we had just got it So a$2 ,000 mattress? Yeah Nice mattress Yes, nice. You need that instead of being able to bank your other payments? Remember, you just went and got a$1 ,200 emergency Botox. That could have covered that. That's more important. You guys didn't have a mattress before. We had a really old mattress from 2010. Good, so you had a mattress. Yeah, but it's not good for your back. You could have gone another six months.

1:22:26And also, we don't know the state of that mattress. That could have been a mattress. Some mattresses will last a lifetime with really good mattresses. I don't know what the state of that mattress was. We don't know. Well, it happened in six months. Maybe you would have had more money to get a mattress and not have to go into that for your Botox. Maybe. For a reason I agree with you getting. But it's how you went about it and the way you're living life around it, which is f***ed. Yeah. I'm surprised mom wouldn't cover that. That's something where it's like, mommy, I would rather mommy step in and be like, oh, daughter's dying.

1:22:56Let me help. Instead of like, here you go. Let me enable your bad behavior.

1:23:03Apple card. Great. Love it. Oh, my. We have so many cards. This is insane. Balance. $2 ,776. 54 cents. Minimum monthly payment. $41. 14 years to pay off. Went in. Got some bullshit in the gas station. Apple card. Went in. Got some BS. Premium. Apple bill. Went in. Got some BS. underbelly Bullshit Bullshit Bullshit Interesses are going Pull up your phone Oh fuck I don't know how to get there on there Nevermind What subscriptions are you subscribed to on the Google Play Store? Just Game Pass Google Play Store Oh my phone Let me play I have Well my husband has Dropbox iCloud You have an iPhone too?

1:23:52Yeah Why? For work You have subscriptions on there? No. Okay, tell me. Keep reading. Go. Start from the start. Dropbox, iCloud, Game Pass, my gym. We have the Amazon Prime. We have AMC through Amazon Prime. Okay. I have Bubble. Bubble? What the f*** is a bubble? It's like an app where your favorite Korean actor or idol can talk to you. Wonderful. Good. It's only$4. Don't care. Cancel it. Only$4. It's adding up. You have no value. You don't understand the value of a dollar because you've never had to. It's just$4. Exactly. F*** you. Keep going. Spotify and YouTube. If you have YouTube premium, use YouTube music.

1:24:40I didn't even know we had YouTube premium until two weeks ago. He says no. I don't give a f*** what he says. I literally do not. He's a dumb c***. I don't give a f***. No, he's not. Well, he is to me if he's not willing to sacrifice anything for his future child. He's not willing to give up YouTube and Spotify, but he doesn't care about anything else. You don't need both. He uses them for different things. Well, he doesn't have to. And his music is on Spotify. And it can be on YouTube. It is. How do you expect him to make money? Do you have to subscribe to premium for that? Do you know that for a fact before you say yes?

1:25:19The YouTube he has. There you go. So shut the f*** up. The YouTube he has to watch you. Yeah, he couldn't come here. Nah, he's busy. Nah, he's a pussy. No, he's not. He's more of a man than you. I doubt it. I actually faced my... I got out of my financial... He doesn't have any financial... He hasn't done anything. More of a man goes on tour and stops at the gas station for all his meals and won't sacrifice anything for the sake of his child. He wants to have a kid. He won't sacrifice a single thing. You gotta get an energy drink. Yeah, he can stockpile if he's a... If he's a man who knows how to do anything and care for himself.

1:25:51can't even care for his wife, can't even have a conversation can't even stand up to his wife and be like yo what's going on bitch, what's going on well he would never call me a bitch well I'm just saying that because I'm thinking that is you he's very much in charge yeah and that's why you don't tell him anything yeah I don't want him to worry very manly well he gets a little worried he gets a little bit worried he can't do anything because he might get a little bit worried I'm not like any of the pussies I've seen on your show. But you are. But I am. Sure, I'll be a pussy, but he's not.

1:26:35Yeah, these are my purchases. I have the household finances, you told me. Yeah, they're a household. We went to him. Some were his purchases. You literally just said that like five seconds ago. Yeah, but those are necessities. Shut the fuck up, I don't give a shit. This is a pointless, pointless rabbit hole. Pointless rabbit hole of nothingness. Okay, we have an auto loan. Yes, two. You didn't wear deodorant. $10 ,257.17. Well, it's radiating to my nostrils, okay? I'm sorry. Minimal monthly payment, it looks like$178.76. You're coming to a place that is 103 degrees. No, I don't wear it at home, so I forgot.

1:27:20Want me to go use the bathroom spray? No, I want to just wrap this up so I can be free from you. What is this car? That's our RAV4. Okay. What's the interest rate? Well, I don't know. Six. I don't know. Six? Can you give me... What is it? Do you know? No. You don't know at all? No, what does it matter? I have to pay it anyway. What does it matter? Because it's fine if it's bad or good, if we should speed up the payments, if we should not. The f*** you're talking about? It's 6.5. How am I supposed to pay speed up the payments? My choices! Okay. What is it worth? Do you know? The Toyota RAV4? The Toyota RAV4.

1:27:59I don't know, 10. It's like a commercial. 9.7. So you're not terribly underwater. The interest rate's not disgustingly the worst. Yeah. Like your existence, but it's, I mean, if you take it into appreciation, you're not certainly beating the market if the money was in the market instead. so it's not like thrilling. So we might come back to it. Toyota, okay, double car, that makes sense. Toyota, what is this? Tacoma. Pick up. I know what a Tacoma is. They might not know. They do. But what I don't know is the balance. Could you please tell me that? What? I don't know. I see the minimum fee payment.

1:28:41I don't see the balance. It's probably like... Do we have the balance? Minimum monthly payment is$178.50. We are investigating balance. I'm not sure. It's a lease, so it's probably like 12. It's a lease? How long is the lease? You know fees and bullshit get wrapped up in that. Yeah, I know. What's the buyout? You just has that too. I don't know. We don't know anything. Okay, great. At least we know there's a minimum monthly payment there. Okay, here's the mortgage. Yeah, I don't know. $409 ,154.86 Minimum monthly payment $3 ,738.90 6 % interest rate Yes, but our tenant pays$1 ,300 Okay, we'll calculate that into your income afterwards Okay Yeah, that helps because that's pretty brutal I mean, that's half your f***ing income So that's a risky home to get.

1:29:46Why did we get this? It doesn't make sense. You can't afford it. If you didn't have the remain, who knows how long that remain is going to stay there? He'll stay. He's like our Joey. He's like she'll be fine. It's like you don't, you just. He's like our Joey from Friends. He's always going to follow us. You know, even the Mississippi that's been there forever changes course. He's lived with my husband for 15 years. Okay. Doesn't mean he's going to for another 15. I don't think he's going anywhere Nothing is that stagnant in life Life changes He's very stagnant in our life In our lives What is it a fucking three way Like he might You don't know No he's not a three way He's just really good friends He might have ambitions eventually Eventually to leave and go do things What if he meets someone He did meet someone They dated and broke up What if he meets again?

1:30:43Leave. Huh? He didn't want to leave, so they broke up. Oh, my gosh. Okay. Maybe you're the only person in this entire world where the entire life literally will never change for the next multiple decades to come.

1:31:01Okay. Checking account. 3 ,000. Went up from one, so. What? No, no, no. Whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa. No, no, no. No, no, no, no, no, no. Checking account went from, no, ending bail,$0? What account? Your Chase checking account. Yeah, I used it to pay bills. I told you we have no cash. You went to$0, though? Probably. That's insane for a checking account. Why? What if a bill comes due and you don't have the money? Oh, my. That did happen. Then it comes out of savings.

1:31:37We have the overdraft protection. Yet we decide to go to Colosso and go in the gas station, get some BS McDonald's, go in the gas station, get some BS Ash Greenhouse Cafe. We decide to do this even when we get down to$0. We go fucking PayPaling and going in, getting some BS, going in, getting some BS. Little Lunch or Neon Lunch Cafe or whatever. Aqua Hut. Lunch Cafe. Starbucks. Lunch Cafe? Tropical Aquarium. We're doing this when we get down to$0. Billy Pretzel. Tropical Aquarium. No, that's how we... Can we remove it? It's a... I love it. I said, okay, Nirvana, go in and get it to be a smoke shop.

1:32:13Oh, glad we have a true addiction when we're about to bring in a kid. Let's get one cancer. I quit. When? Two months ago. Well, why don't I see smoke shop then? My husband. Okay. He's involved in the kid's life. I don't know if you know this. Oh, you think everything either applies to you or me. No, he's going to quit. But nothing combined. He's going to quit, but it doesn't matter if he doesn't. Hush now. Greenhouse Cafe. Winning got some BS. Disney Plus. You don't even have a child. 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.

1:32:54Like tea time you. Mmm. Or this tea time you. Or even this tea time you. So did you hear about Dave? Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. Yeah. Though Andor is fantastic. When in, huh? You watch Andor? Yeah. Okay, maybe I don't hate you. For a second. Thanks. Did you watch the finale yesterday? No, not yet. Okay, I hate you again. Shut up. When in, got some BS. When in, got some BS. Hey, team, which are all$600 or$60. Who even knows where the f*** that went. When in, got some BS. Gift store. Lynch cafe.

1:33:36wine and liquor. We're doing all this while we're draining it down to zero dollars. Ladies and gentlemen. Yeah. Shouldn't I use my debit card instead of my credit card? Epic Steakhouse, Winning Gus and BS, King's MT, Zellan Money. It's the fact that she shouldn't be doing it at all. How come we not comprehend that? Smoke Shop, Greenhouse Cafe, PayPal. Yas! T. Winning, got some BS. City convenience store. Winning, got some BS. PayPal, Domino, went out, got some stupid BS. Starbucks, shaboo. Starbucks, BS, BS, BS, PayPal, BS. Nirvana, McDonald's BS BS BS lunch lunch cafe BS zelling out Dunkin Donuts transfer Burger King bath and butty works and money out dollars in things BS zelling out BS BS uh f***ing money out Cafe and Grubhub Food BS Great It's the savings It's the savings that has$3 ,000 But the checking account ended at zero F***ing stupid Dumb dollars And we're gonna have a kid Good luck to that one Good luck little child Whenever you join us $80 in this checking account Oh, Tropical Aquarium, Duncan, BS, Taco Bell, Wendy's, Little Tokyo.

1:35:19Good thing. Good thing it keeps going. Zelle, Zelle, Grubhub, Cerebium, the brain thing. I can't pronounce it right now because I'm probably desperately dehydrated in this 90 degree room. Zelling out money. Oh,$1 ,000 in retirement. We're so sad, guys. Oh,$46 ,000. Who's this? Is that you? What? $46 ,000 in this retirement account. Is that you? Yeah. Does he have anything or is that the thousand? What thousand? He doesn't have a retirement. He has his stocks. Did he respond? Probably not. Is he a bitch? What is happening? Why is he responding? He's probably doing stuff. What is he doing that his wife doesn't matter?

1:36:05And Ron, just kidding. That's what he said. Why? It's such an undiversified portfolio. He said just kidding. It's so specific though. I thought you said just kidding He didn't say Well that is an E It is an E So what did he say? He said Enron just kidding What? Get the real Oh lady You are a fucking creature That has been Hatched out of an egg And brought into this room To punish me

1:36:36Are you proud of your existence? Do you like that you exist? Yeah Why? I'm funny. I'm cute. Funny? No. Cute? I'm pretty. Pretty? Yeah, you're fine. Thank you. But you're definitely not a cute personality, and you are not funny. You're horrendous. Well, in day-to-day life. Day-to-day life. F*** your day-to-day life. Look what you've done. Look what you have made. I know. I'm stinking up your place. Yeah, you're also stinking up my f***ing place. So your minimum payments, then including your mortgage, is$2 ,088.69. Okay, mortgage is$3 ,738.09. I know we will incorporate that additional income here in a second, but what about utilities?

1:37:20How much goes out in total? So electricity is$2.54.

1:37:31Internet is$80. Car insurance is$438 I'm saying utilities Oh sorry Is there gas? Utility gas Like for my house Yes Oil Huh? Oil But it's Okay how much? I don't know because we only fill it twice a year It's about$2 ,000 a year Okay so$1 ,000 So$2 ,000 $5 ,000 You've killed me What was the electricity again? $255 What was the internet? 80. Okay, utilities. Do you live in the middle of nowhere? It's so weird. Utilities is$501. Okay, what's your car insurance? $438. Gas, vroom, vroom, drive, drive. $180. No. For both? Sorry, that was doing two weeks. $360. $360. Phone bill 210 But my mother-in-law pays$40 towards it Well, great We've saved so much money $170 Well, I want to switch Necessary food,$600 Use the cookbook 600 meal prep, 600 Yes, you can do it TP fun, anything else you need $550 No subscription Fine, whatever That's to say, you have a few subscriptions $25 How much for the gym?

1:39:00$30 I This entire episode I've had to fart so bad And honestly Because of how much you're stinking off this video I probably should as revenge But I'm not going to Ew

1:39:17How much medical on a monthly basis Co-pays and stuff like that Zero Okay What else needs to be in your budget that I haven't taken into account I have ADT security system. It's 65 months. Okay. You have pets? Yes. Pet insurance for my little girl is 32. How much? And then the food for them? They get... We buy once every three months. Come on. 60, so divide that by 320. Anything else? Not necessities, no. Good. I don't give a **** all the rest. Oh, the life insurance Use our budgeting app Does that get taken out before your pay hits or after? After, because it's separate And that's okay, because life insurance doesn't always follow work I get it How much is the life insurance?

1:40:11$45 Of yourself Of yourself Needed to survive is$8 ,263.59 and you thought it was$6 ,000 whatever? Okay, great. So, okay, how much comes in for rent? $1 ,300. Okay, great. So the entire household income is$7 ,600. How did you think you were making this? I'm so confused. $8 ,263.59. You're underwater by$663.59. The only option is he gets another job, You go get another job because there is no survival here. Yeah. I'm going to double check the math just to make sure because that's a big number and I don't want to f*** it up and I don't want to doom and gloom. That was right. All right. You go get another job.

1:41:08He goes get another job and you guys live on bare minimum and you grind to pay it off. But just that$70 ,000 is a bad debt. Bring an extra$1 ,000 a month net, which is definitely, I'm sorry. No, no, no. $1 ,663 net. If you go and bring that in, that still takes what? Six years to pay off debt. I don't know. And don't consolidate. Again, you haven't changed behavior. Look at the spending in the checking account. But is six years so bad? That's six years with you bringing in an extra net. Probably an extra before taxes,$2 ,250. Okay? Before taxes. That's you both combined. So that's a lot of work.

1:41:44That's you cutting back to zero, doing that for six years. that extra work. Probably 55 hours each a week in work. So that's pretty bad. Sorry, this is where you are. Listen, what you might honestly want to do, if you can prove for six months that you changed your behavior, maybe go through bankruptcy. But do not do any kind of debt shortcut until you fix your behavior or we will be having this conversation again in just a year. Yeah. Well, I'm not going to do bankruptcy. So if you can fix your behavior in six months, come back on the follow-up channel and then I will give you permission for consolidation or bankruptcy.

1:42:17But until then, You need to fucking grind this shit and go make that extra money because that's it. Spend a budget. You overspend. Zero to ten. I'm going to call the husband in the post show, so stick around. It's always the juiciest conversation. Subscribe below. The Elite version is the best YouTube membership on the entire platform, and it really helps support this channel. Debt. This is f***ing. This is brutal debt, but no collections. One out of ten. No IRS debt. Emergency fund. There's 3 ,000 in savings. I'll give you a two out of ten for what it takes for you to survive. Retirement Yours is good But then you have to Combine you guys together With where you're at Combining him 4 out of 10 Real estate What's the equity position In the house What's it worth The house It's worth$5.50 now Okay Well this is what's Going to carry you I get to add Extra nuance to my score Since you didn't put down The down payment And you don't even Appreciate it I'm going to Take any from an 8 To an 7 Fuck you

1:43:15Hammer financial score Rounded up 3 out of 10 Guys, join us for the post show. It's going to get really juicy when I bring in the husband and actually expose all her fucking bullshit for real and let him know what is actually happening. It's going to be crazy. And don't forget, if you don't want to be like a guest on the show, just download my budgeting app. And for those who sign up for the annual version of premium, I'll send you the budget for in the cookbook, which you can't purchase anywhere else. I'll sign it and mail it directly to you. See you in the post show. Why too much of the b**** to come sit in front of me?

1:43:40Your whole shtick doesn't appeal to me. Your shtick is just going worse than a debt and not knowing a single thing about it. It is what it is. This kid's going to grow up on the streets. That's what we're hoping. What? That it will grow up on the streets. How much high interest bad debt do you think you guys have? $20 ,000. Buddy, it's$70 ,000. $70 ,000. I know we're bringing kids into this world, but you're giving short answers that a child would give. How the f*** do we deal with that? So call him back and try to convince him. I will call him. Collusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra.

1:44:17and uncensored content.