Financial Audit - $100,000+ Incomes Stealing Government Assistance | Financial Audit

Episode Date: July 31, 2026

*I WENT THROUGH HER SNAPCHAT* and it's INSANNEEEE, she is fully cheating, sending n*des, and being basically a massive WH*RE ughhh watch the post show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) MY NEW FLAVOR WENT LIVE EARLY!! Get Liquid Assets *NOW* for under 40 cents per serving, up to 6 free gifts and 10% off your entire order with code CALEB - https://hamr.link/calebdrank 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= *Caleb Hammer Financial Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Get 5% Cash Back with Chime Card and qualifying direct deposits ➡ https://bit.ly/4bff5by 👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/network/hammer-media/auto-insurance/search 👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore ============================= 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer Make sure your family is always protected with PolicyGenius: https://visit.policygenius.com/life-insurance/pod/?utm_source=youtube&utm_medium=podcast&utm_campaign=life-ins-2026&utm_content=financial_audit_podcast If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://bit.ly/41mr8OP ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:25 Jobs & Income 04:33 he wanted to do WHAT 09:35 chat, do we believe her? 15:20 once a h*e, always a h*e 19:55 court ordered sobriety loool 29:25 this relationship is soooo healthy!! 42:15 someone call the IRS 01:00:40 bro really said my "trauma is worse than yours" lmaaao 01:07:20 bullsh*t bullsh*t bullsh*t 01:19:30 i would NOT trust this dude in the air force 01:27:20 top college prospect!! 01:30:58 Budget ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

Now streaming on Disney Plus, the Hulu original series Furious follows FBI agent Alice Black, played by Emmy Rossum, on the hunt for a mysterious and calculating serial killer. Both walk their own paths toward justice, and as their lives start to intertwine, the line between right and wrong begins to blur. New episodes week over week. Watch the Hulu original series Furious, now streaming only on Hulu on Disney Plus. To watch episodes of financial audit a week earlier, check us out on YouTube. So this is the kind of guy that knocks up a shipper, isn't it?

Good p-p-p-y is good-pick. You're basically falling off the f***is. You like your giving hand-jolns in the back for the money. Uh, yeah, I don't think that was taking place. It is, it sure is. I had a regular. We would go to a hotel. What'd you do at the hotel?

It was fun. What is it it take to get through your head to stop doing this? You better be buying me a yacht or a fucking house. So it's concerning that you felt the desire to put your hands on her? I was literally on the brink of like, I've never wanted to physically hurt her, but I was like... Does that something you should have to clarify? Well, it's getting to that point. It's getting to that point.

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Because that's when Gamer Subs unlocks the real deal. After 3, every order of liquid assets will also come with up to six free gifts, stacking up to six times. 3 p.m. link in the description to get on the wait list. Hi, I'm Shelby. I'm 31 years old. Hi, I'm Tyrone. I'm 34 years old. We live in St. Louis, Missouri. And this is Financial Audit. Absolutely is. Thanks for coming down to Austin, guys. Shelby, what do you do for a living? Him? Okay, because she has big tits. You sugar baby her? Is that what's happening? Yeah. I mean, he pays on my bills, and I fuck him, so.

I hope it's love. Yeah. A whole lot of love. Lots of love. I would hope so because. Lots of love. Okay. Sugar babies usually look a little different. But, okay. Yes. I used to when I caught him. Huh? When I caught him, because we've been together for 10 years.

What did you catch him doing? I, you know, you put it in, you reel it in, and he's mine, he's mine now. You catch him. Cute. How many years, 13? 11. 11? 11.

Yeah, 11. Oh, very good. We're married? No. Okay. Why? Oh, congratulations. When did you pop that question?

Oh, God. She knows more. Three years ago. What the fuck? Why have we not closed that not? Ask him. I'll ask you. Why have you not closed that not?

Benefits. Health care. Things like that. What about? Well, it's the impact that you have been told. Well, I would think that I make too much money, but we have six dependents in the household. So, okay. But if she doesn't make anything and you guys get married, then your household tax liability actually puts you on like a...

It should. Okay. Previous years before now. What do you do, Tyrone? I run a lawn care company. This is my first year, like on my... own doing it as... What employees do you have?

Just me. It's just me. What do you make? Safe side, 118 a month. Oh, okay. Not bad. I was gonna...

It's kind of concerned. I mean, yes, lawn care is... Seasonal. That is a good business. Yeah. It certainly is. So that safe side,

is that consistent throughout the year? No. Okay. So when you say that's the safe side, is that going to be like the average across...

It's... Up and down months? On the lower side of the average, just to be safe. Like, I have a lot of... What comes in low months? Like 10,800? What comes in high months? Well, over 12.

Okay, so, I mean, it's... That's actually not a huge range for slow months, high months. The concern... Oh, no, during winter months, it's like half. But I have to find different... I said low months, asshole. Yeah, yeah, yeah. I thought you meant like during the long-care season.

Why would I say that? I said low months. So... Why would I want to know the low of the high? It said the low. Give me the low. If we're going to average, it would be like $4,000,

probably if you take all 12 months. And you do extra work? What does that extra work during the low months? Last year I did junk removal. I did spark on the side whenever I wasn't working. Doing that.

So. Okay. So you do a lot of, okay. Yeah. Random things, which I hope works. Yeah.

There was a concern with you, Mr. Tyrone. One, that fake name. We did not assign it. Two, didn't realize it was you. I knew I was going to be

filming with. this individual eventually. I was just hearing murmurs for a couple weeks. You were desperate in really trying and begging to do blackface on here. Yeah. What the f f f f-and no, we did not allow that. I have like almost no limits, but I would get called out for platforming someone doing blackface. Yeah, it's crazy. You have no limits and you wouldn't let me do blackface. Well, because I would get called out. Could you imagine my sponsors seeing someone do blackface and me treating them like a normal person? Why the fuck did you want to come on here and do it? do blackface. You're in St. Louis. I can guess what at least a large percentage of your

pain population is. Uh, well, it's going to be anonymous, you know? Not really. So I figured, I mean, it's a anonymous name, but it's not like your face. I mean, dude, you got a battle wound. Yeah. We know. Yeah. People probably know who you are. That's not a normal thing we see. Yeah. What the, did you do blackface walk in the hood and get a bullet in the flip? Uh, no, no, this is actually a cleft lip, cleft palate. Uh, but. But, So my thought was, if we, you know, you're going to do white makeup, why not just do black makeup and make it a little bit more fun? Not afraid of any consequence. No.

Mr. Popo is very disappointed. Here's the thing. I am thinking about things analytically, and I know that that's going to get, like you said, you know, you might get canceled from it, but think about all the... Yeah, you're not worth me getting canceled. Any publicity is good publicity, right? No. Oh, well. Not when I lose all my sponsors and, I mean, cancellation, like, no one really cares about people who cancel people anymore.

So they probably want to have much of an impact. Even still, I don't even, I think it would be reasonable, reasonable finally, for the first time almost ever, for sponsors to actually have an issue with that. Well, because it's blackface. Yeah, I did talk to a buddy of mine after it got denied. He's a black guy. What do you say? I pitched it to him, and he was quiet for a minute. And he goes, yeah, that's racist.

And I was like, it's usually not the best. What was your take on that, Shelby, when he was begging us, begging us to do blackface on financial audit? To me, that's just, he doesn't give a fuck what anybody thinks. He doesn't give a fuck,

who says anything about him. And you like this? It depends on what we're talking about. This particular thing, no. Facebook, for example, he likes to just, if it comes to mind, he's posting it. and I've had, I mean, family members contact me about it, friends contact me about it.

People are like, the shit he says on Facebook is absolutely wild. You need to calm him down. And I'm like, nobody calms down. He is who he is. He's going to say what he wants to say. What's he saying? Off the top of my dome, I can't. I can think of one thing that her friend is still mad about.

And I said it, what, two years ago, three years ago? I basically said, I don't understand how people without kids can be broke. and a lot of people got it. People, accountability shit. I just, you know. I don't know. I mean, certainly there's a way, I mean, that's a conversation.

It's not really like, I was expecting something racist or anti-Semitic. Oh, no. But you literally wanted to wear like an Afro and gold chain. This was to mimic a black person. It wasn't just for, I hid an identity. Afro in chain. It was black.

Whoa, I just said the afro. The chain just came with the wig. So I wasn't really going to wear the chain. So this is the kind of guy that knocks up a schofer, isn't it? It is. It sure is. Because that's what happened, if I'm not mistaken. I mean, that's kind of what I just glanced over in red.

You were out there showing Titty giving hand jobs in the back for some extra little tippies. A little bit. Well, see, knew it, called it. They didn't actually know that, but assumed as much. And then he impregnated you, then you stopped working, then you got fat, and now he's still with you for some reason. I don't know why. So what happened?

What happened there? I think when we actually met, I wasn't actively dancing. I was in school, dropped out of school. Every strippers in school. You know, right. We started hanging out, and every sh-there's probably a drop out of school. Most of them. Yeah, most of them.

To me, it was more so of like a, we met and we fell in love, and I started dancing again because he was just like, you can do whatever you want to do because I was. You're like you're giving hand jobs in the back for the money. Yeah, I don't think that was taking place, so. I worked at a very high-class class class. You didn't do any extra little... They have cameras in the private rooms.

Of course they do. They all do. You didn't do one thing. I can name drop. Can I name drop? Of course, I don't care. Why would I care? I mean, just like the club. Sure.

Larry Flint's all across the United States, they have cameras in those rooms. Okay, I'm not getting an acknowledgement of this chain. You can't be charged 100% if they find anything out. I'm getting a note from who I'm assuming is Brandon and not anyone else that he's absolutely been beat off in a nice strip club. So the thing is, I mean, come on. You're not going to be held legally liable at this point.

This was so long ago, statute of limitation, all that bullshit. You've done something. I really haven't. Now, what I did do is I had a regular and we would go to a hotel. Ah. It was fun. What'd you do at the hotel? He was like 62 years old, nothing.

Okay. Other than dancing, my job. No, I didn't. What? You think I'm gonna fuck somebody for $700? $1,000? $1,000? Maybe $2,000.

No, get out of town. Nope, absolutely not. I have sex with someone for $2,000. That's disgusting. If they're hot. No, I don't care how hot they are. Same, huh? If a hot person came up to me and said,

someone was going to pay me to, no, I'm just kidding. Yeah, exactly. No No If a hot woman Came up to me and said You better be buying me a yacht

Or a fucking house You know everybody likes to see a blimp It's just so big You can't miss it Who do you think you are Pussy is pussy And good Pussy is good pussy Girl your Pugtsy is basically

falling off that chair You can't even grow facial hair So I don't want to hear it Okay the producers Give you guys the one thing Every time huh? No No no

I have eyeballs So I can see Okay So your s s s s'n't do anything extra. Right. I believe it. I have no reason to not trust her, so.

I mean, when I was gonna... You were gonna black face. You don't even know anything about... You're just like, your world feels so broken. Your nose is falling off your face. No, my world view is I just... I was coming home to him every night and fuck him, so, I mean, I think you would know. Yeah, I just...

I mean, you can tell when a pussy's been fifted. Right? That's true. Like, you can. That's Brandon, even though. Yeah, he's... Everyone's shaking their head no in the back. They've been with vaginas like most of us have.

I don't think you have a special sensing penis. You could tell. You can smell it? You can tell? If someone had sex with someone, what is wrong if you're a page, you freak? If you had sex with somebody and then came back within hours, you would be able to tell.

Yeah. That day, maybe. We have lived together for us. I thought you meant in general if someone never has. Okay, no. I totally agree with that. Yeah. 100%.

Okay. You lost me and you brought me back. Okay, fine. That would make sense. That would make sense. In the same evening, sure, I got you. I got you. Okay, so you knocked up a shriek.

Well done. No one's ever done that before. Well done not sh**. You found a racist or something that makes money. I want to go back, honestly. I'd love to get a mommy makeover. And I mean, why not? Especially if you go back and you save money.

I mean, your standards, my standards, a little bit different. I'm talking about the standards of those who are paying customers. A naked body doesn't bother me. It's... Okay, but certain naked bodies bother paying customers. Oh, no, yeah, totally. That's why I'd have to get a mommy makeover first. I go to the gym?

Yeah. Okay, I agree. Absolutely. So, when did you knock her up? How many kids we got? Four? Three with her. Three together.

I have a stepdaughter who's 13. Okay. So you have another kid. Yes. Dropping loads. Yep. 20s? Yep.

21. Another schoon. No. No. That was pretty sure. Era. Age of the kids. 13.

9. 3.1. Did he get it right? Yep. Oh, well, done. Good father. I know something. How is he as a father?

I would be afraid he's beating them. So, honestly. That's not a good look. Absolutely. Okay, well, and the standards of being a father. And the standards of being a father and a husband. Like, he'll come home from working 12, 14-hour shifts, and he helps me with housework.

He helps me put the kids to bed. He helps me give him baths. Like, anything that needs to be done, I don't have to ask. That's so weird, because I have a whole note from your pre-interview that you were complaining that he doesn't do enough around the house. So what the fuck? How are you complaining about that in the pre-interview? And then you just sit here and you're like,

bo-bo-bo-bo-bo-bo-bo-oo. That's actually crazy. No. I was complaining, I was complaining that he comes home. Sorry, actually, no, I apologize. You're right, you're right, you're right. That is true. I was going to say, that's nuts.

It was a reverse card. He was actually complaining that you, the stay-at-home mother, actually doesn't do anything. And you criticize it about her housework because she doesn't do shit. It's not, not anything. I just think more could be done. Like what? Dishes, laundry, everything. I mean, everything.

I mean, everything. Working 12 hours a day is that after it? I'm like, install. cameras in this bitch. I literally don't sit down. We don't even own a couch because he's too cheap to buy me a couch. I should get a shirt this place. I don't even sit down. Like, he really sure. That's all I say all day. That's all right. So now that my son is on summer break and open your phone. Oh, well, I'm going to love this. Yeah, me too. And she specifically told me don't go through Snapchat. Also, hold on, hold on at the beginning, which is fine. We live in a thousand

square foot mobile home. Okay. So let me let let let that sink in. How long do you think it should take to clean that. I don't know. Okay, but you have six people who don't pick up after themselves. That's not true. Don't say six because I'm part of that six

and I clean up after myself. You leave your clothes by the bed, no matter what. Listen, I respect everyone a no-no, so I'm not going to do your no-no, but one of your no-noes was not go through your Snapchat. I have to ask why.

I mean, you can, honestly. That was your no. I don't want you to feel pressure. I don't know. It is a little weird. There's just, if you opened some messages is there's nude saved that I didn't want you to see.

With him? Yes. But not others. Right. Sure. Yeah. Why would there be others? I don't know.

Yeah, it's a good question. Okay, so occasionally... Oh, you want it back? Yeah, it locked very quick. Yes, it does. It does that. Okay, well, I don't want to see your news for what it's worth. But I am genuinely curious about this topic.

But again, okay, for what it's worth, I mean, you spend an average of eight hours and ten minutes on your phone a day. You watch podcasts as you do dishes, as you fold laundry, as you do anything. Okay, what about Snapchat for 10 hours? Well, is that a week? In a week, 10 hours and a week. Yeah, well, the week before was 12 hours. That's our primary, like our private. Oh, that is interesting.

That is interesting. The one app you don't want me to come. I talk to him on that app. And like I said, honestly, open it. There's just one conversation I wouldn't open. Facebook. You listening to Facebook while you're doing this for nine hours? Holy shit.

There's videos on Facebook. It's not just on YouTube. There's videos on Facebook. I love. I messages. You can read this out. You can leave it out if you want. I don't want to believe anything.

When I get three reels sent to my messenger within like 20 minutes, I'm like, okay, here's three. How many did you watch before you sent me this? the three. It's funny because he's working and he does the same thing to me all day long. Yeah, but at least he's making money. So, and then he gets home and you haven't done the tour. I'm not a... I can't be... I can't be... Okay. Fine, what about her on Safari

for almost four hours a week? Delavar like a browser? It's a browser. I mean, that might be... I don't know. Exactly, and then she's on iMessage. Probably buying shit. I message for almost four hours a week. So these are not podcasts while you're doing dishes. Not all of them. YouTube is where she watches this podcast. Which that is her primary

thing, of which I did not bring up. Because I was like, okay, fine. Maybe she's watching podcasts and that's fine. But the thing is, but it's Facebook, Snapchat, messages Safari constantly. I'm not going to believe it, but seriously, Facebook, I mean,

I get on it now, share it. You're not going to leave it because it's not true. It is. It is. Like I said, install cameras in this mother, and install really good ones so you can zoom in on what I'm doing on my phone. Please, so I can stop listening to this bullshit.

You standing up and not doing anything is still not doing anything, but you are standing up. That is true. I mean, I am doing something though. So why are you accomplishing the basic things that the house needs? It's not even. the basic things that the house needs also

started dwindling away. I appreciate this watch history. You're paying for my house, but... Started dwindling away whenever... If she doesn't watch you. Yeah, sorry. What are you talking about? It is like everything.

She just started watching. Oh, okay, well, that's good. Yeah, yeah. She was preparing. You're right. You weren't watching the past couple days. I was doing my homework. It's mostly just fucking, like, crime videos.

Yes, dude, it's insane. Okay, and first of all, she has to watch this because she's watching body cam. She's not just doing dishes and listening to body camp footage. Yes, you are. So I know you're sitting and watching. You don't listen to body cam. You know how much body cam that I've seen that I can literally just.

Seen, seen, seen. Like, I just know. Seen, watch. Yeah, but I've seen so much of it that I can just do dishes. Okay, so confirm she's not doing shit. Now, listen, ladies and gentlemen, if she gives consent, if she gives her consent, I'll go through the Snapchat and the post show, but we don't, we're not going to hear. Oh, lots of messages from people.

Some women, some men. He asked, what are you comfortable with? Nudes in the bath good, full body, titty's ass late. What? Yeah, what? What the fuck is that? She said, I know I said K-K-Nose about it, but he doesn't,

L-O-L. Oh, crazy. Hi, you can save those picks, but can you delete them from chat just to be safe? Don't, you don't have to. You can read it right there. Crazy. I'd rather-

Don't read the whole conversation. It's not very much money. I go work 12, 13, 14, 14 hours a day. What is this? Um, but yeah, it's absolute, it's absolute bullshit. It's absolutely bullshit. So, can you check mine?

I'm okay. I don't know how to, I don't know how to do it. I'm curious. But the housework, I feel like, really didn't fall off until summer when my nine-year-old got out of school. And I'm taking them to, there's, you know, like a little Wrexner that we go to. Sure. And that's fine. But there is more time in the day. I mean, four days a week. So we're going to the Wrexner. We're going to the pool. We're take going to the park. What is it? I mean, that's just at home doing dishes, scrubbing floors and doing laundry.

And you don't have to necessarily. But the thing is, if that is his big complaint and he is working 12 hours. today, he shouldn't be coming home and doing chores. I agree. Totally. You should do some stuff. Come on. I do. I mean, dishes is basic. Dishes is easy. I literally do. So I don't know what the fuck he's talking about. He's got me fucked up. You do these things. But here's the thing. You'll do them and then you wait two, three days.

Do you know why I wait two or three days? No, I don't know why. Because I get drunk and then I don't do it. Okay, well, that's actually, yeah, that's actually true. That's a problem. That is true. It was a problem. That is true.

It was. That is true. It was. She's seven days sober. Yeah. It's only been a week. But before that week, it was like a month. And before that month, it was like another month.

Okay. What was a month? From December 14th to April 1st. I mean, told this is court order. Not actually by choice. Yes, it is. It is. It is.

What do you mean? Oh, you really are a failure. Weird freak. So what happened, court ordered? I got a DUI. Oh. Bubble good. Why not?

Yeah. That's good for everyone else around you. Dose. Not my finest moments. You've had two DUIs. Moments. Dose. Buddy, how do you not learn after the first one?

You freak? I don't know. My dad went to prison for four years for DUIs and I still didn't learn. Really? You are hitting every stereotype of stuff. I know it. I know it is. Isn't she?

Yikes. And you bred with that? That's curious. Buddy. Yeah. So who's got the bad judgment now? You? Yeah.

calling me the racist and whatever and she had kids with me now the tables of the time. It's always been you. I've never had the bad judgment. No, I'm talking about, yeah, I know. But he was saying you did at the beginning because I wanted to do Blackface.

But now we've come full circle. I mean, your judgment of the Blackface was a bad judgment. But okay, so what were you doing when? What happened? Well, with the first one or the second one? When was the first? The first one was about five years ago. Okay.

Is it? No. It was four years. Yeah. I was on probation. Oh, true, true. Four. Okay.

True. It was. Oh, what a freak. It was four years ago. It was literally three days before my probation ended, but because I had already met all the probation requirements, they closed my probation out early. And then you went and got another one. And then I got another one. When was your other one?

Three days before her probation was over. When was that? Like five months ago. Six months ago? December, the middle of December. What happened? So with the first one. I know excuses, explanation, accountability, okay?

Women? The first one, okay, my... The first one, my brother came home from the Marines for the first time, and I was like, let's go out. Okay, they didn't mean you have to drive. You can go get drunk because your brother came on. That's exciting. I know.

We live in the world of Uber. Well, okay, you're going to bash me on this, but I swear, if I try to get an Uber out to where I live, It's so rural. An Uber will not come out there. They will drop you off there. Then don't go drink. I agree.

You're goddamn right. So the second one... Would you blow? But I didn't. I refused to blow. Oh. Which actually helped me. Pro tip.

Life pro tip. Don't blow. Actually just don't even do the field sobriety test. Have I been drinking today? The second one, I was at a bar drinking with my friends, and then we left the bar and went back to her house to continue drinking. And then I was like, I have to go home because I'll be mad, even though he literally wouldn't be mad and he would have been less mad if I just stayed.

Yeah, let me tell you, what's going to be. The second one? Yeah, this is the second one. I mean told you had to drive home to go breastfeed your kid. Yeah. I think you're supposed to be doing that while drunk, by the way. Bust out some knowledge on them. I'm gonna be real with you.

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You dip them in your breast milk, and they tell you if there's alcohol present. So I bought a box of those, and as long as those were good to go, I was good to go. That's crazy. You're fucking crazy. I mean. So would you blow that time? They say pump and dump is just for your comfort, okay? Like, you're just trying to release your engorged titties.

And like I said, I didn't blow. And a lot of times they'll get a... The second one you didn't either? I didn't blow the second time either. Are you on probation again? Not yet because the case we haven't gone to court or anything. Right now, I am literally just... What is wrong with you?

How drunk are you? How drunk are you? Way too drunk to be driving. Not drunk enough to black out, which is... Oh, great. That's good. That's good for me. That's good for an addict.

But definitely too drunk to be behind the wheel. So why are you drinking, you f***ed on the whir? At this point, I mean, even, like I said, I'm seven days sober. Before that, I had quite some time. I was just like, I want to drink before I get this breathalyzer test. I'm not going to be able to drink again. So I want to drink one more time. There's two kids since the first one.

Why are you having kids with that? Because it's not always, it wasn't always like. this. She had the first one. Right. It wasn't, she wasn't always

like this with the alcohol. Like, but you've had two since the first one. The DUI. Yeah, she didn't drink. She like stopped drinking after she got the DUI.

How long? Long time. Yeah. A long time. Year, two years? Well, that doesn't add up for the one year old. Yeah.

During. I would say when he was about six months old, I started drinking again and it ramped up. Why? Why did you start drinking again? I honestly, it just started off as like a little weekend thing.

Oh, my. It ended as a stay-at-home mom bored in the bathtub at the end of the night. Why are you bored if your things to clean? I didn't say bored. What the way? Mutual phone, you dumb. Did you not listen to the instructions? If you got time to lean, you got time to clean.

Damn right. Preach, brother. I'm trying. She's not losing. She don't. listen to me either. It's crazy. One of your Snapchat payers or whatever? Probably.

Oh, great. Oh, I guess we'll learn about that in the post show. Hammer Lee. Okay. So, what's the financial situation of this house? What does it look like? What's going on? What's going on with you guys?

What are we talking about today? Because what a fuck mess you guys are, to be clear. Yeah. It's pretty rough. This is, well, with the second DUI, we had the other one paid off. which was good and then she got this one

and it's been since December we just found out like a month ago that she's actually going to go to court so then the lawyer fee was $5,000 for the second one and for her to get the little blow majigi thing that she's got

we had to speed up the process so we had to pay the $5,000 like now which came from her grandparents because I don't have $5,000. She definitely doesn't have $5,000. So how do the finances work in this house, though? What do you mean? I make the money. You make the money. How does the spending, the budgeting, the communication, how does it go? Budgeting is basically non-existent.

Communication is my brain and I check my banking app to make sure I have cash. That's my budgeting. Why are you still with her? Is it the kids? It has to be. No, because when she's good, she's great. Yeah, but she's on her second W. Yeah, it's not good. Like, what the, like, why are you, I would have walked. Okay, so, yeah, I've told her if this continues, because literally talking to them a month ago, she was still drinking. Like, I have a text message saying, hey, I just got home from working 13 hours.

She's drunk right now. Like, I'm getting sick of this, and I'm getting ready to, like, I'm done. So I even told her, I came home one day, and she was drunk again. And I, for the first time in our entire relationship, I was literally on the break of like, I've never wanted to physically hurt her, but I was like, this is ridiculous. Like. You have to clarify? Well, it's getting to that point. It's getting to that point.

It's getting to want to physically hurt? Yes. Absolutely. I'm like, I don't want to, I don't, I just like, I don't know how to say this. I was like, but you're literally, literally, no, you're making me like despise you. Yeah. Like. Well, yeah, that's fine.

But why does that get to violence for you? No, I'm just saying like, it's on the, like, I wasn't actually going to do it. But like, I want it, like, it's just, what is it to take to get through your head to stop doing this? Do I have to beat the shit out of you? You have three kids. You have four kids. You have, you know, a decent home life. You get to stay home and take care of your kids.

Like, I don't understand what's so bad, what's so wrong, that you have to drown out every bit of existence with alcohol. I don't get it. I mean, I agree with you, but you are concerned me. The things that you're saying are kind of concerning, especially when you look like a school shooter who got lost on the way to school, so still ended up making it to 34 without. blasting one up. Bro, I look fresh. What are you talking about?

So it's concerning that you felt the desire to put your hands on her? I mean, but I didn't. That's good for now. So it's good. Until she takes another little swig. Here's the other thing, too. When she gets drunk, it's not a good time. It's not pleasure with.

It's not fun. It's not like, oh, I take some alcohol and we let's dance and have a good time and everything's fun and drivel. No, she's an asshole. She gets ignorant with me. She's rude to the kids. Yes. What's that like?

Basically, it seems like anything that she has bottled up or doesn't say, then it just starts to come out. And it's like to the extreme. I don't know if that's ignorant. No, because it's mostly not true. Okay, so she lies. Yeah, she gaslights.

I hate to say that in 2026, but she's gaslighting. Yeah, it's a real thing. It's like the thing. I'm doing work at home. Like you pulled up the, You're gaslighting me? No, you're not. And then she'll say things like, you just can't see all the things that I do. Well, if I can't see it, then is it happening?

What are we talking about here? If you can't see me go to work and you can't see me pay the bills, but I'm doing it. I'll say things like, you know, you don't notice all the small things. Like, for instance, like cleaning baseball. Don't do the baseballs when the sink is filed up, when there's six loads of laundry. Don't do the, baby. Why are you doing that? It's all about cleaning with you guys.

It literally is. Bro, I'm very OCD. I'm very like, I don't want... And I have a husky and it's out of control. He's a very much husky and he... I don't like that dog. He hates my dog. That's so weird to not like a dog.

I know. Dude, he's hairy and it's gross. Gross. Yes, it's disgusting. Dog hair is disgusting. Why don't you have a room? It's a thousand square feet. Why aren't you cleaning up the hair?

I do. I'm vacuum and sweep like every single day. Every single day. But you said like every single day. Is it every single day? No, it's not. And that's my whole, here's my whole thing too. Okay, remember, thousand square feet.

three bedrooms, two bath. Okay. If you do everything, okay, you get it in tip top shape. Everything is looking great. Now, what are we doing here four days a week? Because I'm usually off two days, sometimes not if it rains or whatever. I have to work an extra day. Maintenance.

We're doing maintenance. How long should it take to maintain? Oh, you want to go to the rec bikes. You want to go to the pool. You want to do this. You want to do that. It should take you an hour. Speed run through all the to do's and then you go have fun with the kids for the next 11 hours

a day while I'm gone. I agree with you, but the part that you are totally missing, is like, let's say, I have the house clean, and this happens all the time. I go back to take a bath or something, right? And I come out of the bath and there's toys everywhere. There's shit everywhere because you're on the computer. Because you're on the computer, which you deserve to be on the computer, you know. Like two hours a week.

You deserve to come home. No, you deserve to come home and be on the computer while I'm in the bathtub and, like, relax and do whatever the fuck you want to do. But at the same time, I can do those things and also pick up as I'm going. So, like, when I get out of the bathtub and the whole house, house that I just spent an hour or two hours cleaning is now messed up and you're like letting cook and... I mean, I'm sorry.

Cut that, my bad. No, we know. Or it's the fact that you've already been drinking and then you're in the bathtub and it's like, oh, it's me bath time. I'm going to drink some more. That does happen. But especially since December, it hasn't been happening as much. Bullshit.

Since December? We're in June. Okay, well, December to April. Hey, I can pull up pictures right. now on my phone where there's like eight smearing off ice cans hidden in like a bag in the trash can. You open the medicine cabinet.

There's three shooters and a fucking... That was in April. That was... You said it's December. What do you think it's after December? That's what I said. From December to April 1st. I know when I stopped drinking because I know when I stopped drinking

though until seven days ago. You would have one day. You would have one day. To April 1st. I literally did not drink at all that in entire time. Okay, well, here's the problem. Not one time.

Here's the problem. I drank before my friend's birthday and then all of a sudden I drank every day for like three weeks. I know when I drank and I know what I drank and I know. I do have bad short-term memory so I can't confirm nor deny

what she's saying. No, you're right. You can't. I feel like she's gaslighting. No, because an addict, an addict knows the days that they stopped. An addict also lies. An addict also lies to do their drug of choice.

Come on. I grew up around addicts my entire life. That's also why I, I have no sympathy for this. I have no time for this because that's not how I live my life. I don't drink. I don't smoke. I don't do any of those things.

So my future is not revolving around any of that. Which I understand. Then why are you with her still? I'm so confused. Because again, whenever the things are good, like she's a great mom. But it sounds like it has not been good for a... She's a great homekeeper. She's actually very intelligent when it comes like to book smarts and things like that.

She knows what she's doing. Okay, for you. Okay. No, not for me. In general, generally speaking, above average intelligence. What's the last book you read? What was the name of that book? Right.

Want to know a secret by Frieda McFadden is the one I'm on. She reads books all the time. I haven't read a book probably since high school. That's why I'm blanking on the name of the last one I read. It was so good, too. But things haven't been good for a long time, so that's why I'm confused why you're still here now. Maybe it's the... It's the kids, right?

It's to reminiscing on the times where things were good. Also, like, wanting to build a future, there's things that I want to do that involve her goals that I have, ambitions that I have that she is a part of, that I also need her to accomplish. Have you wanted to leave? Oh, yeah, definitely. Why you?

He's the one doing shit. Yeah. You're just a wrong. You know how he said it always hasn't been like that. It always hasn't been like that. The other thing that we have had fights about or just like where I'm coming from, even far before I started drinking,

was like his, when we got together, like he said, like reminiscing on how, you know, that amazing phase in the beginning when everything is perfect. I would say... Visit BetMDMGM casino and check out the newest exclusive, the Price is Right Fortune Pick. BetMDM and GameSense remind you to play responsibly,

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Okay, you know what? You didn't get called beautiful. That's a bummer. You're a fucking drunk at home who doesn't do shit while he... If I was told these things, maybe, maybe I'd be better. It's your fault. Oh, it's your fault she drinks. You don't call her beautiful enough.

What the fuck is wrong with you? Have some kind of personal responsibility. You're joking, but no, I think she seriously does. No, I do not. I think she does. Hey, you have to blow into a breathalizer, right? Yeah. What happens when that question?

order's done. Bo, boop, boop, boop, boop. It's happened before, like, 30 times. And you're complaining how he doesn't say, he doesn't say, I love you as much. Like, yes, that sucks, but the scale of issues on both ends, yours is up here. Compared to him not say how I love you. The thing is, it started way before the drinking, like I said. So, yeah, that's a thing for me.

That's a deal breaker for me. If you can't show me intimacy and love outside of sex, then that's a problem for me. Well, then why are you there? It's not even. Because we've talked about it. We've worked through it. So you've worked through it. It's gotten better.

Well, there you go. So what are you complaining about? What's complaining about? I've been sober for seven days. That's a, that's a win. Court ordered. Court ordered and checked via breathless. Yeah, is it, okay?

I still go to the gas station to get a drink if I want. And even if I did drink, like, let's say I could, I drink right now, and I blew dirty in my little device thing. The only punishment would just be blowing in it more times throughout the day. That would be my first punishment. So you don't give a. I do. That's why I'm taking it seriously.

That's why I haven't had a drink, but it wouldn't, you know, I wouldn't immediately go to jail. Okay, here's the thing. The first time. Every time she's been pregnant, she just stops. There's no drinking. There's no doing anything. So here's my thing. If you have that willpower to do that, why?

And like she just said, oh, my only consequence if I drink is I just have to blow into this thing more. Okay. So I just followed the order because it's the order. But if I wanted to break it, I could. Obviously, you can follow it. So why, whenever there's no restriction, there's nothing stopping you, then it's a problem. But if there's something that's telling you you can't do it, then all of a sudden, oh, I got to follow the rules. It's no big deal.

We could do it no matter whether it's nine months or it's two years. I don't understand. Plain and simple, just being lazy and I didn't want to. I didn't want to stop. Do you believe she hasn't even had a sip in the last seven days? Yes, because every four hours or less, that thing goes off. she has to blow into it, whether it's 2 o'clock in the morning, whatever, 10, I think it's 10, 2, 6, 12, around the clock. So there's like no point where she can and has like a camera on it.

So she can't have like one of the kids blow into it. Like so I know that she's doing it. It's actually never been, it's 100% tamper-proof. It's never, no one has ever successfully tampered with a scram blowing device. However, they have a breathalyzer. They have tampered with the ankle monitors that you wear that can detect alcohol. You have one? No.

I don't. I got out of that. You'll probably get back on it. No, I've never had one. An ankle monitor? No, I've never. I've never. I've never had one. The reason that I have the breathalyzer is in place of the monitor. Because it's summer and I wanted to take my kids swimming and you can't submerge that thing.

So this is still, you know, it puts a strain on the whole family. It's everything. Yeah, because you're a horrible mother. I understand. Yeah, totally. When I said, like, if I leave, I'm taking the kids and the only way you're going to see them is if you have this vice. So...

That's actually what it's mostly used for is like custody battles. Okay, so yeah, you're a piece of shit. But I'm being told... Not on my good days. Shut the fuck up. But I'm being told in your entire own

that you consider yourself Robin Hood. I don't see how cutting grasses in Robin Hood. What is this Robin Hood? You steal from... Steal from who to give to who. What the fuck are you talking about? So, I mean, we'd have to get

into some of the debt-related stuff on that end. He steals from companies slash the government and gives back to himself. What does that even mean? I don't steal from the government. I follow all

legalities involved with any kind of application processes or requirements for assistance. First of all. You paid your taxes? About that. Okay.

Taxes. That would be it. I think it's been like four years. That's the thing wrong with you. Three? The fuck is wrong with you. Okay. You want our house?

Yes. I hope they take it. No, they won't. They could. They could, but they won't. I hope they will. They won't. Why do you know?

Just because I know. Nope. Yeah. Yeah. See, I think you like operate out of a, like a, you know, carrot and stick mentality. You're more afraid of the stick and the IRS and the guys with the guns, your favorite, I just don't, I don't care. You don't care if they take your house. They're not going to take my house.

They might take your house. No, they won't. If the police do come, he told us, I ain't going down without a fight. So when I first started this, you know, the taxes got complicated quickly. I thought I paid enough for my first year doing YouTube. I didn't. Found out a couple years later. Yeah.

Letter in the note. You filed, though. Yes. Yeah, see, you're on the radar. Problem number one. Well, I think you're on the radar now. Problem number two. Yeah.

I don't think Tyrone is going to be on the radar. Yeah. Tyrone. So, not even No, this year, this year I will have to file 100%. Oh, well, there you go. So you'll be on the radar. Yeah, I've never made enough to where like I would have...

How did you guys paying for bills the last few years then? I mean, I was working. But you never made enough to pay taxes? That doesn't make sense. Well, so when I'm, we used to mow, I would mow for cash. Like it wouldn't be, I would work for someone else, but it wouldn't for cash. You certainly didn't claim that. Or they would 1099 me and I just wouldn't claim. Are you getting government benefits? Uh, she does.

I don't. You guys aren't married. What benefits are you getting? Bingo. Um, I get food stamps and medical for all the kids. Uh, mind you, six figure household. Six figures, no, because that is only... You average out to $11,800.

No, I do not. During, this is the first year that I've ever made that. And this just started in April. Oh, then you can't tell me it averages that. I have a consistent client list. So, yes, it does average that. Um, yeah, for a couple of months. months you have a consistent client list over the last three or four years. You don't just

start a business and have no client. Okay, then it didn't go from zero to 11. So you've been making decent money for a while. Yes. So mind you, nearly six fingers for a while in the house. Hey, what are you talking about? If it's a consistent scientist, you should have been near that six figures for a while because you're well over it today. Last year, okay, so I would have to rent equipment from my old boss on the weekends to do the few yards that I had. Uh-huh. So it was like not even anything close to making six figures or anything like that. Okay. I was going to, I mean, it was a whole other rabbit hole,

but I was going to purchase his company from him two years ago, I think. Well, regardless of all, let's just pretend you weren't. Well, you are now. Uh-huh. And that is disgusting if that maintains through next year. Yeah, but it won't be six figures still.

What? Because I can only mow average of 29 weeks a year. That's the mowing season. And then once that falls off, I don't. So what do I actually put as your average then? I told you it would probably be, I mean, whenever I get side jobs,

I probably still make $4 to $6,000 a month. Extra on top of? No, no, no. Like, we're on off season. So what is the monthly average I should put, is? What's 29 week? 29 divided by 4, 12, 6, 24. I mean, it's hard to say because the, the...

Probably 70,000 a year, maybe a little like... Okay, then why the f*** should be able to be able to? I think the dependents is the big thing. I don't know what that was claiming them. I have three dependents. You claim them with the zero income because you guys. She works for my company. What?

Yeah. I worked for my company. Why didn't you tell me that when I said, what are you doing for a living? How am I supposed to go off of information I don't have? She's a stay-at-home mom, but she works for my company. Yeah. For tax purposes. And what do you make?

$25,000. Is this an additional to your same? 70 a year? No. No. What the fuck are we doing? Guys, just end the federal government and all benefits. This shit's crazy.

I'm so done. This show has turned me into the most pessimistic mother-p-pick. I used to be so pro-benefits even two years ago, and now it's just like every single one of you, motherfuck. This is crazy. Yeah, so here's the thing, too. Tax code, your children, if they're of a certain age, can work for your company. Oh, my.

You pay them up to 15,000. $7 a year, so you can go ahead and add 15 plus 15 to that as well as deductible. When's that? I mean, my son's nine. He helps me cut grass. Why is a kid that young working so slowly? Do you even care about your family? Because you're playing Russian roulette with their future.

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Download it now, start the free trial, dollarwise.com, link in the description below. My daughter's 13, she helps me cut grass. My two youngest kids, they can be, you know, models for advertising. You think this will survive an audit if you get audited? Yeah, 100%. It's a, it's a tax code.

We ran it past the CPA. Up to $15,000 a year per child, which is tax free for them and tax deductible for me. You've ran this past the CPA? Yes. Okay. Yeah. I'm not 100% sure. He's not the fact check guy.

Linzo, pull it up. Yes, Linzo. Okay. I don't know. We can look at it later. But I'm very glad. I'm sitting here theoretically, what you could do is if you pay your children that money. I mean, you obviously have to make a certain income here.

But what they do with their money doesn't matter. So theoretically, they could pay taxes. They could pay bills for you. And yet you're getting the child tax credit still. So I'm funding that. You're welcome. Yes, thank you. And you're just not even filing taxes.

And you get food stamps on top of that plus Medicaid. So, oh. I hate everything that is the way we have set this up. Yeah. Yeah, we're a dependent state now. The entire 200 billion yearly SNAP budget is the problem, but not the hundreds and hundreds and hundreds of billions of subsidies that go to corporations. But yes, the little guys getting food stamps on the problem.

Well, subsidies isn't money going to them, typically. Subsidies is usually, usually it's tax benefits. So it's money they're not giving. Right. Food stamps is still money going out. Right. So it is different. You can't compare them one to one.

It's not one to one. Well, then you just made the one-to-one example. No. And you know those subsidies are usually set up in place for them to build like a corporate campus, so they employ more people. Which is fine to a certain degree. It still puts more money in the system because they bring in more employees. They have to pay payroll taxes on that on both ends.

So what are you talking about? Let's use oil and gas for an example. How much revenue did they generate and how much of that revenue was profit? You're telling me that they deserve a $700 billion deduction or or whatever you want to call it to grow their business, when you make that much money, you can't fund your own business advancement? I don't know about necessarily deserve,

but I would still rather have money go to something that does create jobs, which actually provides a benefit. I mean, the SNAP program can only buy food. Then people who literally do nothing sit on her ass and just get. Snap can only buy food. She also gets Medicaid and she gets the child tax credits. Oh, no.

Child tax credits too. Literally just the money or pocket. How many countries pay? How many countries pay? for people to have children. You want the population to decline in all these other countries. It doesn't matter.

That has never once helped. Anytime benefits have been provided for having kids, it has never improved the situation. It happened for a year in Hungary and then it fell back down. So that's not even actually benefiting the overall issue.

It's a populist policy. It's populism. And populism isn't necessarily good. It just gets votes. Not a bad one. Huh? It's not a bad one. Not a bad one for you guys.

You guys are takers, not givers. Oh. even if we were to get married. So do I agree with every tax credit? No, but I would still rather, if I have to choose between someone who literally does nothing and just get shit versus creating jobs that at least help communities, I will choose that.

That doesn't mean I'm like super pro subsidy. I have a job that helps communities, right? You haven't filed through taxes. You employ yourself. I will this year and guess what I'll pay? Zero dollars. Why? I just explained to you how I'll do it.

So you're okay with the tax subsidies. Exactly. Okay. So you're okay. Here's my point, though. I'm, okay, I'm at this level of the socioeconomic ladder, right? I'm down here. Average middle class, yeah, whatever it is. I'm going to play the benefits that are down here, the loopholes that exist, I'm going to use them.

Then why complain about that for others? Once my ladder goes up, I'm using it as an example that I'm just doing the same thing, but I'm doing it from down here. Oh, I hate the poor people because they're abusing the system. Oh, but I don't hate the rich people who are abusing the system. You see what I'm saying? I didn't say that. I said if I have to choose one to one, I just said them against both, But if you're making the one-to-one example, I'm choosing the one that at least creates jobs.

I wasn't defending either. Okay. But I would still rather do something that contributes to the overall system versus you that just mootches. I mean, well, the thing is, too, I plugged all the numbers into chat GPT, what he makes monthly or whatever, you know. The stripper used chat dbt, ladies or gentlemen.

Yeah, there you go. And even if we were to get married, the food stamps and the Medicaid would remain about the same because of the off season where he doesn't make much money for a six-person household. So because he went into a business that isn't actually successful, we should fund you? Yeah, thank you so much. That's interesting.

Usually you just like... It's not that it's not successful. It's starting your own business. Should have to go get another job. Starting your own business always takes time in the first two years are statistically the hardest. It does, but you're taking on that risk yourself. Yeah. Which we did.

And this is now this year is going to pay taxes. Isn't that on you? You're not funding my risk, though. We kind of are by putting food on the table. table and making sure they're taking the scene. And plus the child tax credit, so there's just some literally money in your pocket. So yes, we actually are. You're funding her.

But even if you went jointly, like she said, thanks to chat GPT, your benefits would stay the same even with your business because the off season. Okay. So if I didn't have my own company and I went and work for some minimum wage job because let's say that's all that I could qualify for. Yeah. Nothing changes. Well, that's at least you choosing to get a job, but you choosing to do your business

that isn't successful is us essentially subsidizing that it is a little different in the end. Because here's the reality. In capitalism, which is great. Here's the reality. I don't do nothing. On the off season, I don't do nothing. In capitalism, the excitement is,

if you start a business and you're wildly successful, I want you to reap the rewards. But if you start the business and you fail, that's also on you. That's the risk of it. That's why we celebrate your reward and success because you did the sacrifice where you may have lost everything.

Why should we then actually say, you know, if you lose everything, no worries, we'll just fund you. That makes no sense. Go get a job like everyone else. I do when I'm not working. Sometimes, yeah, when you're not working. So which brings you to the 70,000 hours a year, right?

Yeah. Okay, so you're close to the median household income. I'm sure St. Louis is a little lower. Okay, let's talk about median household income. How many millionaires and billionaires are in the United States? Do you think that's skews the median household income? Well, that's why medians there. Excuse the average much more aggressively.

That's why we use median. Right. Yes, the median's better way to get the... Yeah, but I feel like this. There's a lot more people who aren't making the median household income, and that's what's listed. What do you think just median is? Medians to get the median.

It's a mean median mode. Yeah, I get it. We would rather do that than the average, though. So at least we have something to work with here, buddy. Yeah, but I think those numbers are skewed. I know a lot more people who are making way less than $70,000. I'm glad in your life, but I'm just going to go off of analytics. Okay.

But I'm glad you use anecdotal examples. Yeah. I'm just saying the data is skewed. And guess what? I know some schooers. Yeah. I know fat. too. I guess every straight fat. Back at you, bud.

I'm not a sipper. You could be. A fat's... Oh, I'm just a million new, billionaire. That's cool. Yeah, it's actually awesome. I wish I paid $4 million in taxes. That would be sick. Yeah, I went right to you. Yeah, it's awesome. Thank you.

You know why? Because that means you're making a lot of money. It is. I would be glad to pay $4 million in tax. Oh, trust me. No, no, I'm very blessed to be in my position. I'm not complaining about that. I would just rather it actually benefits society and not have people that can just mooch. It does. Benefits Society. Health care and SNAP benefit society overall.

Potentially, I would want people who actually need it. I'd say statistically. Statistically, there's more people that don't probably, you know, like her just sitting at home. I would say statistically speaking, it's an overall net benefit to society. Yeah, there are some bad A. What do you mean? You're saying, yeah, she doesn't do anything. She's getting government subsidies, right?

Yeah, that's not good. That's not the statistic, though, I would say more than likely the average person who's on the benefits. Yeah, which is why I don't want to take it to zero. Right. But I think it's also okay. You're saying it's not a net benefit to society. It is overall. Yes, you did.

No, no, no. I say, well, to clarify my response, then if I accidentally insinuated that, I would rather make sure we're at least auditing the systems properly to make sure people like her are not qualified. Oh, 100%. So I think that's fair. Including the Pentagon, don't give me wrong.

He hasn't passed an audit. I'm with you, buddy. If money's wasteful, I don't want to say. I've always said I'm willing to spend more on taxes if we make sure we're actually benefiting the society more. and if we're actually auditing our system. So I'm not against you on that. Yes.

I agree. Okay, but I don't think anyone likes writing a check for $4 million. That is money that could go to a lot of things that I would like to do in life. But instead, it is going to things that we literally cannot audit or pass an audit of. Yeah. So I don't think I am required to be happy about that. I mean, you could, you know, I'm sure you do it already. Reduce your taxable income and reinvesting in your company.

other things are not meaning. I mean, yeah. I mean, I employ people, but even still. Yeah, but that's, I mean, reducing tax income. Like, if I employ someone just to reduce tax income, I would still rather pay that 40% on that $75,000, then literally get zero from it. So that's not just how it works, buddy.

Yeah. You're thinking of like a massive C-corp that does a lot of funky shit to use the tax code. I mean, I still need pocket or money in my pocket at the end of the day. Right. So we don't do that shit. That's not what most small businesses do, and we're a small business. I mean, so no.

Yeah, that's what I'm going to do for this year and probably next year. You have up to five years to operate at a loss before the tax or the IRS labels you as a hobby and not a business. And you're filing quarterly next year? Maybe. I don't know. I'll have to talk to a CPA. You'll be wanting to file quarterlies next year. Yeah.

Well, this year I know I'll be able to write off the truck that I got. I'll accelerate depreciation on that. The interest on my other truck that I pay. I'm not complaining about any of that. but the reality is. I don't know. If you're trying to make a big point about like, I should be happy about writing the check

when we can't pass audits. And there's people like her and many others on the show. Listen, I'm good with the child tax credit, I guess it's a populist policy. I love to have... If it actually increased the birth rate, it doesn't.

It never has in any other history. South Korea has massive benefits. It's still falling. So, you know, it doesn't really work. The reality is, I mean, yeah, sure. It would be great to be like a single household income and you guys can be in St. Louis off of 70. So I don't think we need to do extra support for you guys.

Probably could. Probably could, but, you know, you're just going to claim that your income is zero, so then we're going to give everything. So, yippee, our system has no flaws and it's perfect, and I guess more people like me just should be forced to write checks, and you'll celebrate, I guess. I mean, that's why we're here.

I'll be, no, I'll be, my goal is to be a part of that person who writes those checks. I know, but aren't you? Wouldn't you also rather instead of that and just rule, let's take money, like figure out, hey, what's the actual issues with where money is going first? And then once we get that settled, okay, let's decide if we need more taxes, if we can do less, or if we should stay the same. That's exactly why we're here and not filming a retirement planning documentary. That's why we're here for, that's why we're here and not planning a documentary for retirement

or something else that we don't know anything about because we are not doing good with our taxes. We're not doing good with our finances. We're not doing good with budgeting. What the what is she's saying? I think she's saying, we haven't filed taxes and we, or haven't made a budget is why we're here. I don't... Yeah, that's the whole reason you wanted me

to come on the show, you said, for financial advice. Okay, well, then why are the pieces not clicking? What? I'm seeing, yeah. Pieces not clicking. I'm talking about... I'm talking about him being upset

that I'm not excited for writing a check. No, I get what are you talking about. What are you talking about? What are you talking about? What fumes were in that club? I don't know. Fixing the system, yeah, but I mean, the system exists as it exists.

I would be okay, because again, like I said, statistically speaking, we're probably not the average situation. No, you're not. So me writing a check towards the current system we have, yeah, would it suck at the end of the day? Sure, but as long as I'm making plenty of money to provide for my family,

I don't care, because I grew up in obscure poverty, like poverty, poverty. I don't give a fuck. That doesn't mean you could just do whatever and have any opinion forever. I grew up with foreclosure notices. They've all heard of it. Oh, no. Foreclosure notices.

Is that the worst part about your childhood? I hear you say that all the time. Is that the worst part? But it's an example of why I care about finances. I remember my mom like ODing and she was asleep for like four days when I was like nine years old because you took like 40s anax. Is this, are we having a competition? I'm just saying I don't care. Just like I don't care about mine either.

The thing is like the mindset that you have is because you grew up in a certain situation. You grew up in a certain scenario. Right? When I say I grew up in poverty and poverty. So you're going to take your taxes to zero? Because I grew up in a different economic probably system. you did, the people that I surrounded myself with, that is how they operate and how they live life. So the things that I do, even at this age, are kind of based on the mindset that the

people around me had. Okay, everyone lives life based on their personal experience. Yes, we all know. What point are you trying? That meant nothing. You have to unlearn things that you have learned and been surrounded with your entire childhood. Oh, do you know, unlearn that. No, just being on assistance. Don't do that for your kids. Being on assistance. Primarily where he was going with that. Dare. Yeah. Okay.

Nancy Reagan. It worked, I guess. No, I just think that you have this mentality of like, I did this something so it's like you can do it too in the same exact way I did or. Everybody has a different mentality. I've always said personal finance

is called personal finance because it's personal. But I know that if I can do it, other people can do it. Not necessarily the same way. But budgeting is still budgeting. The numbers work the same way. Money in, money. money out. Yeah, but I'm talking, you're talking, we're talking about personal philosophies here of why I do

some of the things that I do, right? Not, not just, it's just not the mindset thing of, what mindset? I don't know. Exactly. You're being defensive about nothing. I was responding to you saying I should be happy that I'm writing to check. I'm happy I'm in a position where I get the right to check, but I'm not happy about losing money that could go towards life goals that I have, especially when the system is flawed. And I guess you're a fascist, if you consider, that there might be some fraud happening in this country. There's a whole lot of fraud. Exactly.

So what the fuck was your point? That was pathetic and weird. What do you think your guys' financial score is? Zero to ten, zero being the worst, ten being the best. One. I haven't seen the show, so... But I heard you're super smart. I just described what the score would be.

I think I'm just going to go with what he said and say a one. It could be a two. A one. A maybe a zero. Are we even on the chart? Oh, Trailblazer, you are. Going against the grain. Okay.

if you want to figure out what your Hammer Finances score is, take that assessment for free. It just takes a few minutes at Calebhammer.com. You can see where you're staying, where you're doing poorly, where you're doing great. If you don't want to end up like guests on this show, besides not coming from households

where your parents overdose, also just use a budgeting app and you will figure out where your money is going, something you guys definitely need. So check out DollarWise. You get a free trial, dollarwise.com, link in the description below or just download the app. Check it out.

See if it works for you like tens of thousands of monthly active users. do sign up for the annual version because it saves almost 50% and you get the physical version of my 30 day meal plan signed by an email directly to you and the digital version of our cookbook. Here you guys go. I don't know if it's... And where was it? St. Louis, they got grocery stores, but I think you guys can use that. Should be good. Okay. Thank you. And I am sorry. Again, like, I mean, I'm making like, because I didn't really understand the point you're making, but I mean, I'm sorry for the

place you came from, like, you know... No, I think... And I'm sorry that you It's horrible that your parents went through overdoses. That's really sad and it's really tragic, and I'm sorry. I still didn't really understand the point you were trying to make, and that's why I'm kind of making light of it, but that is tragic. And I'm glad you're not replicating that experience for your kids. That's important. I think the whole, just the point that I was making was like,

if I could be in a position to where I could write, you know, that big check to the IRS. Yeah, it would suck, but it's like from where I came from, that's like the least of my worries, you know what I'm saying? That's the least of my worries, too. Okay. That's all I was trying to say. I mean I'm happy to do it. Yeah, I mean.

So I don't, okay. I don't think anyone's, oh no, I made lots of money. That's really sad. Okay, Chime. So check an account first. That's interesting. And we do like chimechime.com forward slash Caleb. Get $200 for signing up.

It's free. No reason not to. Did you guys get that $200? No. You signed up before or without my link? I just found you like two months ago. Oh, my friend, my friend. You could have got $200.

There you go. Get $200 lady. Link below. Wow, this is a lot of pay. Okay. Thanks more for money. What are we doing in here? Who's chime?

Fine. Okay. What's you doing here? What's going on with this? What am I looking at? You're stopping in gas stations and getting into bullshit. Yeah, what are you doing? Bangs.

What? Oh, the energy drink? Yes, sir. Bang, bang, bang. I don't mean to do a plug too close to another one, but okay, energy drink. Here you go. You're making this a home. Hey, girl, you know, you guys should be on a budget.

So I'm just going to let you know what this is so you can force them to do it at home. It is a powder. It turns into the most delicious substance you could ever imagine. It's called the gamer subs. It's an energy drink. You make it a home with my discount code, 10% off Caleb.

Link in the description below. You get it for 40 cents to serving. So like you make your coffee at home, instead of going to nasty as Starbucks anyway, make it, I guarantee it's better than bang. We put bang in our blind taste test. This beat it by far. Really?

Wasn't even close to it, right? What flavor were you banging? What flavor were we banging? Remember? It was a white can. That already sounds like trash. Well, either way, that's better. I promise you.

Purple hay is slap. bro. Peach mango. Oh. Drag a fruit punch. That's what you gave me. Here, that one's fruit punch. Oh, yeah.

I tried to get the sample pack like two months ago when I found you and they were out. Okay. Well, you can get those sample packs. Figure out what flavor you like. Link in the description below. Okay.

And then you get you. So you're going to the guests is you getting a lot of bullshit. The direct deposit lease fund. $136. What's that? What is it? $136.

Coal. Qualify. Yeah. Washing dryer. Are we renting or? No. No, it was, what, four months, same as cash? Yeah.

Because it hit just a couple days after that. That's because I went, she, okay, it's set up through her account. I wasn't paying attention. She was supposed to be paying it. She wasn't paying it. So then I went online and paid it and then I submitted the payment and it didn't show that it cleared. So then I did another payment and I went back and it's like, oh, okay, so I just double paid on it. Gotcha.

Uh, Snapchat. Pay for that I thought she was just. The Fri-Snap. No, I was restoring a streak with my daughter. Okay. The 13-year-old? Yeah. Yeah.

Okay. Ben went out money. A lot of money. Amazon, Amazon Prime Video. But most of my money. Amazon. Pull up the Amazon. Spotify.

Afterpay. Amazon, Walmart. Yeah, but the Walmart is $54. Hard to know if that's groceries or bullshit from Walmart. I hope so. Sonic driving, that certainly ain't groceries. I'll tell you that. Zip three install with your three installment zipping.

What are you zippin' zip and zip? That was my daughter's tennis She started tennis this year So I got her a racket shoes And you're zipping it You make money I know, I know I'm at the point now

Where I'm making money So I have like the opposite side of the spectrum Like I look at my account I'm like oh I don't want to spend the money So then I'm like oh paying four I'm like turning into like the Jew Because it's like I don't want to see my account Follow what happened

A certain level Are you a Jew for not wanting to lose money Yeah see well I didn't say I don't use the paying fours anymore Because I didn't realize like the 30 whatever interest rate they charge, but when you do $200, like 30% oh, it's an extra $10 or whatever over a month.

I don't understand how that's being Jewish wanting to have money in your checking account. Come on, do I really need to explain the stereotype? I do, but just having money... Yeah, but just having money isn't Jewish. I know, but... I would say having a lot of money. Well, for me, it's a lot of money.

Yeah. Wow. It's more money than I'm used to have. For you, not for the Jew. Exactly. Okay, well, when we're not money, Prime Video. Subs.

Amazon, Amazon, Groupon. Now that's Jewish. Hell yeah. I remember what I did on there. Ben, million out money. Yeah,

I drink a lot of caffeine. Where are we Venmoan hundreds of dollars to? Probably labor. Oh, I thought you said there is no one. My kids tell me. So your kids? And then my niece also helps me sometimes

and then every once in a while if I'm packed up, I'll hire somebody. What about when your kids are in school? Um, I'll just do it by myself. Yeah, I'll just do it by myself. Okay.

Venmo, Venmo, Amazon. Pull up here, Amazon. She should do that. She's the one who's on Amazon. Lady, now. Amazon. More zip you zipped. Amazon.

Amazon. Amazon. The same zip. Venmo. Amazon. Amazon. Amazon. A lot of shit, by the way.

This is a crazy statement. Facebook. You're paying Facebook. You paid Facebook. That was, uh, I probably had a verified badge or whatever. What the fuck? What do you need to be verified? I'm on your business.

business maybe? You're monetized? What are you monetized on? Making a whole lot of $15 a month. Doing what? Just making reels. Content. What reels?

Blackface reels? Law and care. Opinionated pieces. What's your most radical opinion? Government sucks. Left wing, right wing sucks. Probably the biggest one that I'm on now is... Government sucks, but he wants.

He's going to be happy when he gives millions of taxes to it. Okay. It's an interesting philosophy. I don't think that's a... a radical position. No one really likes politics. No, you'd be surprised how many people are either on one side or the other. Well, certainly, but whatever. Okay, that's not a fun radical. Do you don't have a fun radical position for me? Uh, no, not really. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury

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As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on Calebhammer.com. We also have auto insurance now. You can check for free and see if you can save a shit ton of money on auto insurance. And then to close it off for now because we're building more, we have a debt relief program. You've seen how hard it is for people to get out of debt on this show. This makes it so much easier, but only if you're actually ready to change. At IKEA, we make things just for college life like the Rosenmando blackout curtains in gray. They say you can't put a price on sleep, but we did for the low low price of 4999.

Why are you in my room? Shh, go back to sleep. You have a big exam tomorrow. Shop back to school at IKEA. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these three programs from personal loans to debt relief to car insurance

to see if you can save a shit ton of money across the board. Go to Calebhammer.com or the Caleb Hammer Financial Resources part of the pin comment or description below and save a shit ton of money. I mean, personal accountability is like usually my main thing. Like the man who's going to show up in blackface. Work hard. You know, like you said, there's no excuse. I grew up in whatever. You know, if I could do it, you could do it too, that type of shit.

Personal motivation. I thought you're about to talk about the Jews a few minutes ago. No. I can't. Scared? I can't. Scared? Yeah.

Scared them? Not a good look. But you were going to show up in Blackface! We had to tell you no! Yeah, that should tell you something. That's the first time I've ever heard him say that's not a good luck and actually cared about something. Yeah, why are you posified on camera, pussy?

No, the Jew topic is a little more, you know, controversial, probably, the Blackface. Yes, I'm asking for your controversial take. I'd like to know where you stand in this world. APEC sucks. BB's a terrible person, terrible leader. That's it. Zionism is bad.

Question on Zionism. What's Zionism? The Christians who support and believe that Israel is the holy land and we must protect them at all costs. Okay, if I'm not mistaken, I think the original version of Zionism, like the definition is just that there should be a Jewish state. That's probably fine. Okay, so a classic version. Yeah, there's nothing wrong with like Israel as, you know, a place. But I don't think that's how that words used very much of this. I don't know.

I think this is... Okay, we got a high chair, hair extensions for kids, fake plants or watering pots. I don't think we need that to survive. Same with the potty mix. We don't need that to survive. Well, I got a... Chalk markers.

Tattoo removal I'm doing. My grandma gave me an aloe plant, so I bought a... What? I'm getting tattoo removal. So I got an aloe plant to rub aloe on it. Okay. For recovery.

CVS one time. Probably cheaper than this? No. Watering plants? Probably. But allo is good for a lot of stuff. I don't know, honestly. I think that was a cheaper route.

We got a plan for free. 30 bucks, but you can use it a bunch. Then you've got to go to the water. Yeah, but a little all the thing. How often are you getting a tattooing move? Every four or six weeks. And all right. Well, you got a book.

What book? The book called divorce. Oh, shit. Why is that? Looks like a good book. Oh, does it? I'm not even married. I don't have anything to prep for.

That's true. That is true. Rose gold plate of chain. Go fuck yourself. Do we not know what situation we're in here? That's not funny. It is a purple hair mask, lots of cables. Oh, thank goodness you canceled the iPods

because you can't afford that shit. Oh, you don't need a sound bar to survive. Yeah, I bought, I bought. $25. Shut up, you don't have that shit. You don't have money. I bought a VHS and a DVD player and the OX connect.

Guys, this is all bullshit. It's all just bullshit. Yeah, I know. This is all bullshit. Yeah, you should see me when I'm riding around on a lawnmower, and I get a notification that Amazon, $20, Amazon, $30, $30.

Amazon $20. I'm like, I have a conversation about it? Yes, I have a conversation. Tell me, what does that look like? Why are you buying shit on Amazon that we don't need? And I'd be like, we need it.

Everything is a need. Caleb, if you can use it, it's a need. None of that was a need, by the way, on there, except for maybe the high chair. His work pants, those were on there. Okay, I'm fine with that. I bought it. Not fine with the other 80 items.

I bought those. Girl. We haven't even got, you have my daughter's hair bows. Okay, is she just not going to have bows in her hair? Yeah. That sounds like a need to me. A bunch of colored bows and the hair extensions? You did not need that shit.

You haven't even got to the tax credit statement from her. Oh. Originally we're going to come on. This was right after taxes that hit. She spent like over $2,000 on Amazon. Yeah. On things that we needed. How am I supposed to be a homemaker if you don't want me to make the home a home?

You don't. Oh, you don't. I'm not there enough to care. I mean, I am. That's the thing. I have to look at the same four walls every day. Why are we spending so much on the chime credit card? The new balance is substantial.

That was just the chime, whatever, kind of like the Fizz or Mind card, whatever it's called now. That's what it was. But the balance is still substantial. Anytime I would use my debit card, it would just be through that. Well, it's $3,451.57 now. You're going in getting some bullshit again. Energy drinks. Use gamers' ups.

Netflix. Getting bullshit. Lay Vell order. Sonic drive-in. Chick-fil-A. It's all bullshit. Going in and getting some bullshit. Energy drink, energy drink, energy drink. Taco Bell, steak and chick. Stars Entertainment.

Who the fuck even gets that shit? Cash Advantage. If you had to draw off $300. What the fuck we do? Hold on. That was for a... Sprout filters, children, energy drink,

Chick-fil-A, Texas Roarhouse, I'mos pizza, M-O's pizza, sunglasses, concessions fly below, dairy queen schnucks and energy drink.

The spending on here's insane. This is crazy, and you do owe it. Hey, 50% of all of my... In order to be able to spend more on there, you do all it. my energy drinks. So the ending balance in your time secured,

this is the time secured card. Now, this is a separate one. The one that I think you were talking about is $5,398. Okay. And that's just moving money back and forth. Listen, once you're ready to get back into the workforce and not be a surfer, please, for the sake of every man, I'll get you a course career certification.

A lot of people in the audience have used that. that you can get in project management and tech and the trades converted into a six-figure job like many people out there have. They're incredible. I'll get you that for free. You guys get a discount, but... Okay, Equifax, what is this? Okay, so this is your Equifax.

What is this? A credit card. T-B-O-M-Mil? That's Miles Selim Master Guard. Okay, I'm being told you were practically the dumbest guess to sending statements we've ever had. Why are you over the limit? $581.

Yeah. The limit is $500. Wait, hold on, hold on. That might have been a fee. Why? Miss payment? It's a $40 payment? No, okay, it's not a miss payment.

It was a late payment because I'm an idiot and I didn't realize that even if it's one day after the due date, they hit you with the, why would they not? I do. I thought you missed the whole, like, month. You like, you know? No, that's when it becomes a miss payment on your credit.

Yeah. I only paid that once. That's only happened to watch you twice. Why was it at the limit already? I'd like to see what. you're spending on this, but you didn't send me the statement because you're sending statements. I don't know. What is the nose thing and the lip thing?

Clef lip. What is it? You're born with it? You're born with it? Yes. Is it a brain injury? No. Why didn't you send a statement?

I don't remember why I didn't send a statement for that one. Well, any of them, I have the credit report next. There are statements. The rest of this shows all the credit report literally, except for your time. They f***ed up. I emailed them. Email them. What do you mean?

I emailed the statements? No, you didn't. Yes, I did. You want to pull up the scent on my phone? I 100% did. You have it. You can pull it up. Pull it up the email.

Yeah, pull it up right now. Let's see. Casting. It's on the casting. Really? Any. Because there... That was the...

I couldn't send a PDF to save your fucking life. I couldn't. You couldn't send a PDF to save your... Life. I couldn't hear it as well. ...person. Yeah, that's what I'm saying. Yeah.

Well, then that's probably why it didn't come through. Because you didn't. send it? Yeah, that would do it. I'm being told you want to join the Air Force. It was the MasterCard. It's a possibility. What? How? You can't be a pilot.

No, I can't. I'm too old. Well, that and... Air Force is the only thing that I can. Actually, I knew you could join the Army, but I don't want to do that. What do you want to do in the Air Force? Why do you want to join the Air Force? You have a good business going on? Because the off-season suck, for one, but also, like,

I want to make more money on a consistent basis, like... Yeah, but you'll be away and all this stuff, and you have so many kids. Yeah, but once we get married, I only have to go to boot camp and then the job training and then they'll be shipped out with wherever I'm at. Okay. So... What do you want to do?

Something in like cybersecurity or intelligence, something like that, some along those lines. Okay. I'm being told you want to get insured and get the benefits. Oh, the benefits are great. But the app benefit, the disability. VA loan, the boots to business, the disability. I agree with those. The disability, though.

You will be the person. You know it, buddy. You guys. If the system f***ing exists, man, why would you not? Why would you not? Yeah, it doesn't mean you're not a piece of shit for it. Yeah, that could, sure, fair. You're entitled to your opinion as I am entitled to...

That's barely even an opinion. Abusing a system? That's meant there to help people? Yeah, but it does help people. It does. So does food say it. Doesn't mean you're not abusing it. Yeah.

Which makes you a piece of shit. No. Okay. I disagree. Oh, I'm glad. I'm glad you disagree. The fucking R. Hansen statements.

That's who we cared about his opinion. Okay. Atlas, we owe $218. What the fuck? I don't know. It's Web Bank or E-TLS or Imagine. It's three words. That's an Imagine Visa.

Okay, you owe $218 on this. Yeah. And then the NIMA is $27. I'd love to see what you spent on it. But again, you can't. It's hard for me to give the advice. of what to cut back on, what you even spent on it to get into that. It's hard for me to give any advice of what to cut when I actually don't even know what you're spending is outside of your checking and the time credit because you can't send statements.

I can't. I can barely do a full, I can do a budget at the end, but I can't say what to adjust from your current because I don't know what got you here because you can't send statements. I wish I would have told me. I sent those on six two. I sent those on six two. Somebody should have said, hey, we didn't get any statements. We tell you. We tell you.

By the dollar-wise app, I can tell you what I stand. She said you went over all of it on the phone. I don't remember. As you were going through the credit report line by line. Yeah, I sent the credit report in. That went through. You know that.

Yeah. We know. So I don't understand why the other statement didn't go through. I sent them the same way. Actually, no, they were not PDFs. I screenshotted them from my phone. it and I sent them in email as a picture.

The PDF? That's probably what happened then. You went to go send the pictures and you didn't select all the pictures that you needed to send. This would be my guess. Dude. I don't even know what to do with you. Okay, well this one's in collections. Applied Bank.

That's a credit card. Yeah, but it's in collections. Yeah. Why? So that would be whenever I tried to buy the company. $525? That's all that's in collections. No.

I tried to buy the company. I was working for salary for this guy for $60,000 a year. I had a credit card. I was doing good. I was making my payments. When was that? Two years ago. You didn't file your taxes?

No. And you were on benefits? Well, he made $60,000 a year? Was I? I hate this country. No. We're not going to last another 250 years. I don't think she was at that time.

No. Yeah, I couldn't. Yeah. I don't think she was on that time. You guys had no benefits whatsoever. No. No. Okay.

If you say so. But I was clearing like $1,000 a $1,000 a week. We had less. So I basically lifestyle inflated. I took on two personal loans. I had a credit card. I was making the payments on all of them. To buy the business?

No, this is pre-buying the business. So I wanted to buy the company from my boss. He wanted to get out of Mowing. I'd been working for him for like three years at this point, doing everything besides basically cash in the checks. So I'm like, you know what? I can start my own company. He's like, well, I'll sell you mine.

And I'm like, okay. So he tells me what he wants for it. I don't have the best credit. I contact SBI. How much was it going to cost? It was like $120,000 for all the equipment, all the clients and all that stuff. Sure.

And so I contact the SBA lender. She goes through my credit report. We get everything where it needs to be. And she's like, well, you need a co-signer. And I'm like, okay, well, I could try to find one. So I reach out to a bunch of people, can't get anybody, even if I offered them like, you know, monthly payment or percentage or anything like that. And I was like, I'll ask her grandpa.

And he's like, yeah, I'll do it. Bring me a business plan. Show me all the, you know, business. revenue, everything they make, what they're doing. And I'm like, all, cool. So we get going. Go back to her. She's like, we could do it. It's going to be a variable rate loan. And he was like, yeah, I don't know about a variable rate loan. I talked to another guy. He said the same thing. So then my old boss was like, well, go to my bank and ask my lender.

And so I go to him, talk to him. He pulls it up. Is this ending with you didn't get approved? I didn't. Well, because the other lender gave me an option. He said, do this, this, this, take care of these on your credit report. and we'll get it done. So it takes me like three weeks. I get everything paid off. I go back to him, and then he's like, yeah, we're not going to do it.

Okay, wonderful. So... Great. T-B-O-M. You still owe on it. It's not in collections. $1,55. It's a credit limit of $1,000.

Minimuthty payment $53. Don't know why the fuck it's over the limit. Can't see your spending. And that'll be kind of what's happening. This is a collection. I don't know what it was for because it's a part of the collection agency now. but it's 850.

You didn't answer why things were in collections, though. Because I... That was my question, by the way. Because once I couldn't get the loan for the company, I had already started marketing. I had already started marketing for my business. And I... Well, that was moronic.

No, because it was planned. No, it was planned to go through. This guy made it sound like, the banker made it sound like, if you get these things done, we will do the loan. If you didn't sign, I wouldn't put money behind it.

I was prepping, rolling, trying to make sure that as soon as we hit the ground, we're running. That's why he's in this position. And so... Yeah, I keep defending that. Here's the other thing. My cousin comes up to me, who's been roofing for like 15 years, and he goes, look, you do the lawn care stuff.

I'll handle... We can open a roofing side of this company as well, and I'll be the project manager, basically. Doesn't mean you should be doing all this money behind marketing before you own the business. Yeah, I understand that. So what the fuck we're talking about? I get the roofing supplies. I get the roofing materials. We start doing some roofs.

Okay? So everything is taking off. I tell my boss, hey, I have... I have to quit. This roofing stuff is going along. I'm taking on landscaping jobs. I don't have time to dedicate to your company and my business. So I put in my two weeks.

And then it turns out my cousin, who told me all this shit that he could do with roofing, had no idea what he was actually doing, couldn't project manage anything. Oh, well, almost just like you. That's crazy. Yeah, so. I don't know.

What the fuck? You didn't have a job. Okay. Looms didn't get paid. You asked how that happened. There you go. That's how it happened. Okay, student loans.

Who's this for? Me. Okay, it's not huge. What's the... What's going on with it? I went to do online at WGU for an accounting class. I had a...

You haven't made a pain. I had a Pell or a FASFA. WGU, everyone WGU, man. I ended up dropping out. Why is your governor's university? It's like fucking... So it went to, I guess, default. Okay, $2,437.

Are you making payments? No, it's on hold or I don't know what happened with it. Well, you would have requested it at this point because it wouldn't be automatic. Yeah, I did like, I don't know, two years ago. I have no idea what's going on. Well, you should look at it because that actually might, fuck you. And they'll put it in default, like 11% of student loans out there. So call them.

Again, it's hard for me to give advice without actually seeing shit because you won't give us shit. But it goes, you're... Okay, collections. Your student loan payment, by the way, it's probably like $30. Okay. I'll look into that one. Yeah, I look into everything. Actually, it would be preferred

because I don't have information. Okay, collections, 3,420, probably for the roofing bullshit, the bullshit, bullshit, bullshit. No, what was the personal loan for it? Was that OVNV funding? Yeah, three of them are. Yeah, one was for like carpets. Yeah, you own a home.

Guys, these are the guys getting into the home. All you have to do is scam the system. You know, get a home. Now we bought that like 10 years ago. Yeah, we bought it before we started scamming the system. Long before that. Allegedly happened. Wait, what, huh?

You only owe $44,000? Yep. $4,700. Yeah. Or $3,400. $4,300, whatever it says, yeah. Oh, yeah, $5,000. It almost paid off.

We bought it brand new in 2016. Brand new what? 2016. Trailer? Uh-huh. Oh, okay, you guys are not homeowners, got you. No, we own it. Yeah.

Well, after that. Yeah. You own a trailer. Right. It's an appreciating asset. It's a house. It's a depreciating asset. Do you own the land it's on?

No. Okay. Absolutely not. This isn't, You'd be surprised what they sell for. It's better than before, I'll give it that, but you certainly aren't getting like the real estate market value, and you definitely don't own land.

No. Child support enforcement? Yeah, so that was supposed to be written off whenever... It's closed, but it's not off your credit. The payment is $100 a month. Yeah, we have... You owe $7,749. It was supposed to be whenever I was getting that loan,

my ex wrote when I was trying to buy the business, she filled out a form to get that stuff taken off of my credit report and for whatever reason it didn't go through no because we have a 50-50 I pay her let that go to collections okay this Amazon card

$139 yeah that'll just be paid off with one payment so I'm gonna worry about that upstart what's going on here oh it's in collections yep yeah that's wonderful listen to him for advice

upstart $502 first premiering collection Corrections. Okay, 49, or 6.58. This is what you want to be with? Car. Hey, it's active. What is it?

What do we have? What's the... It's a car. Buy my truck. It's a vehicle. Yes. Okay. What is it?

2003, Ford F-250. Okay. Oh, okay. How is it? $8,022. Does the job. Payment $332. I don't know the end.

interest rate, I know it's 25%. 25%. Why? Well, because you have a set out of collections. Because you refuse to be a responsible adult in any aspect of your life whatsoever. True that. That's pathetic. You want to be with that? Yeah. 25. Of course. I just got another truck. I mean, I've honestly given up on

yours life. So it's a typical value that car right now is about $5,000. It has to do now. It's less than that. Yeah. It's less than that. Oh, great. Well, you owe the $8,000 and 25%. So, I mean, guys, I don't know. Just the way you live life is kind pathetic. Your worldviews are kind of pathetic. It's just like, what hope is there?

Little. Let me try to do a budget, I guess. Your minimum fee payments, and yes, this will consider a mortgage because it's not really a mortgage. It's a fucking loan out of depreciating asset. It's a lot. I mean, it does depreciate. $1,05. Yes, it does. Depreciate, thank you. 100. But we're going to get all of our

money back and then some once we sell it. So at least we had a place to call home for 11 years. It's an asset. I'm not, I'm not trashy. that. I'm just, I can't give it the benefit of real estate. Okay. It's not real estate. Okay. Yeah, right. It's not. It's like personal property, right?

It's like a vehicle. Is it how they label it? You own a vehicle. Yeah, personal property. Whatever. I don't care. Income, are you setting 30% aside for taxes? This year, no. No. Well, I'll give you an income of $5,000 because you should be. All my deductions, there's no way. That's why I'm not. Yeah, I would love to see you get audited. What is your rent to the land? $4.10. Okay. Utilities and everything? Does that come with it?

No. Okay, let's see all utilities combined plus internet. Just electric's 180, internet's 50. Okay, 230. Phone bill. How much? 246. Woo!

Why? She has a new phone. When you guys are done, I would just switch to helium. It's 15 bucks a line. It is so good. There's kids lines as well with great protections. I think like zero bucks, by the way. Same coverage as like T-Mobile and stuff.

So I would definitely do that, but you have to pay off your phones first. Gas and Vroom, drive, drive. How much? That's a hard one because of what I do. Average. I mean, last month I spent $3,700 on gas.

Okay, perfect. Car insurance, how much? That is $2.50. You have insurance on the house? It's included in the mortgage. Okay. Necessary food, it is a little difficult to that. I'll give you guys like $1,000.

I think it should be fine. You're just meal prepping like crazy. You probably eat out like crazy. I just can't see. I want a meal prep because I spend $10 a day. Yeah, you do. It's insane. Absolutely. On flabreds.

TP, find anything else you and your kids need to survive is $300. It's total paper. It's school supplies or whatever. Changes month and month. It's fun. Yeah. Medical health care. Are there co-pays on a monthly basis?

I don't go to do. I don't do anything. So no. Okay. I guess we're on government. Yep. Okay. Subscriptions.

I'll try 50 bucks, 60 bucks because, you know, the kids and everything. You have pets? Yeah, you have the dog. Just the dog? We have two dogs, two cats. Okay. Fuck. Yeah.

That's $200 for pet insurance. You want to keep them alive and certainly can't afford what? You don't care? I'm not doing no pet insurance. Okay, he's evil. Why are you with this? He literally doesn't care about animals. Okay, like we talked about the upbringing, when I grew up, like animals were just like pets.

Great. Hey, guess what? People are just pets. Guess what? As you've established, how you grew up is not good. Maybe you become a decent human. They're fine. That's weird.

Pet food, how much? We went over it. I have everything written down. We went over it, and I would say like for, for, Litter and food. Litter and food, I would say, like, 200 a month. Litter of food between both cats, both dogs and the litter. And the litter liners. And we have to, we have an automatic litter box. Which is like a gym, that's 75. Oh, Jim 75? Nice. Yeah. That's good.

80 for the animals. That includes litter and food. Oh, okay. Okay. 80. 160 bucks is my kid's jihitsu and kickboxing. That's in the TP fund. Okay. Where you put it is where you put it. $150 a month on a trailer that I own, like a utility trailer. Well, that's a debt, right? For work, yeah. Why didn't I have that debt? It's probably because it's like a rent-to-own type of shit.

I don't know if it pops up on your credit. No, probably not. Okay. Anything else? Oh, yeah. $240 a month for her... Blow-y thing. Blowout?

My portable breathalizer. Oh, 240? Well, you do have to do that. And then $600 a month to her grandparents. Do we have to do that? Yes. Why? Because they're the ones who pay for the DUI.

They have said several times that they're okay with us waiting until we're at a better place. Oh, no, no, no. What's the balance you owe? I just paid him 500, like two days ago. So $600 a month for how long? $3,000. So there we go. I'll add three to the debt.

It's $8,000. And hey, the rent to own, how much is that? The trailer. How much are I owe on it? Yes. Like $1,200. Okay. I have to add that here at debt.

Okay. If $7,000 comes in and we save no money for taxes, you technically have wig room of like $15 a month. I'm going to guess because your guys' budget is messy and weird because I don't know your income's fucked. But if you actually set aside money for taxes properly, then you'd be fine. I don't know.

Your debt situation, you owe like $18,000 to the grandpa, right, or something? Eight. Eight, okay. She crashed her car without insurance a few years ago. They co-signed for it, so. Oh, good. Why not? So what's your debt?

Like $32,000, actually, in reality? I don't know. Again, it was a mess. You couldn't send us shit. $1,500 a month. You guys will be debt free and less than two years. That's it. It's fine. I have no debt outside of whatever's on that credit report. No, you have the rent to own and you have the family debt. No, I mean collections-wise or anything like that. Okay, that's fine. Collections is not been...

My credit cards were paid up at that time. Whatever, guys. Okay, less than two years. This is a mess. I can't do it for real if you don't give me the actual shit and I can't see the statements. So what a f*** waste of time. The post-show will be better because I'm not. actually going to go through something fun. Whatever's hiding on that Snapchat is crazy, and I'm excited to see it. Let me tell you, it's going to be crazy. Join Hammerley.

Let's get your Hammer Financial score first, your real one. Spending in a budget, can't tell you're spending. So X, go fuck yourself. How common is to zero because you can't send PDFs, debt you have collections 0.10. Emergency fund, didn't see savings. No. Zero out of 10. Retirement zero.

Real estate. You don't own land. That's another reason for the Air Force. Okay, Hammer Financial score 0.10. I don't give them. Let's go to the poacher. This is stupid. I'll see you there.

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Oh, crazy. Hi, you can save those picks, but can you delete them from chat just to be safe? Don't, you don't have to. You can read it right there. Crazy. Who is that somebody else? It's not very much money.

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