Financial Audit - $160,000 Of Weed Debt | Financial Audit

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Starting point is 00:00:13 Wayfair, every style, every home. To watch episodes of Financial Audit a week earlier, check us out on YouTube. I got a $12,000 inheritance check. To then which we, like, blew. A year and a half out of what? We were spending at least $1,000 a week on Bud. A thousand. and dollars a week on weed.

Starting point is 00:00:31 I thought that I had told him about everything that I, like, all of my debt. That's not my fault. He didn't remember. Why has no one considered leaving? Has anyone considered leaving? I have in the past. So the answer is, leave her. She's a complete failure.

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Starting point is 00:01:13 Download Dollar Wise and start your free trial. Go to dollarwise.com or click the link below. I'm Alexis. I'm 24. I'm Drake. I'm 23. We live in San Antonio. And this is Financial Audit. Thanks for coming up to Austin, guys. Nice to meet you.

Starting point is 00:01:30 Listen, Alexis, you're right in front of me right now. Mm-hmm. So let's start with you. What are you doing in San Antonio for a living? Cheapest major city in Texas, so income constructs further. I didn't. Yeah, I mean, everyone hates it. Continue.

Starting point is 00:01:42 Go on. What do you? I don't know about that. We're going to smoke shop. A head shop. Ah. Yeah. I'm about to quit, too.

Starting point is 00:01:48 Okay, for a better job. Oh, ho. You'd think so, wouldn't you? I don't know yet. She's got no plan. I've no plan. And I've told her since she's got the job to keep looking at it. other jobs. I wanted to ask your income situation.

Starting point is 00:02:02 Oh, yikesies. Horrid. I have enough money to pay for groceries and that's about it. No, he's asking you like how much you make. Oh, 12 an hour. That one went right over my head. We're in for a struggle. Here we go. Okay. What hits your account per paycheck

Starting point is 00:02:22 cycle? Per paycheck, what hits your account? Let's just try that actually. anywhere between like 350 and 4.50 depending on how many hours I work. So yeah, her job is... Okay, yeah, why don't you talk for her? Because she doesn't know what the fuck you say.

Starting point is 00:02:38 So she's supposed to be part-time at her job, smoke shop, but they work... Sounds like she is with that pay. But they're working her full-time. And... With that pay is full-time? $384 or whatever? Yeah, she actually works more than 40 hours some week,

Starting point is 00:02:50 but they stop the clock at... Is that a weekly pay? Yes. And they stop the clock at 40 hours on their books, but she'll work more than 40, and they don't pay her the over time and a half. Talk to a pro bono employment lawyer. Oh.

Starting point is 00:03:07 They probably want to make some money. Sue them. I don't know how all that works. I didn't know that was an option. But lawyers are expensive. Pro bono. Probona. They would take a look at it, assess it.

Starting point is 00:03:20 Is it really worth it, though, when it's not that much? Maybe. I don't know, because you actually might have an employment case of not just back pay, but potential even worse. That's true, I guess. I don't... I mean, I don't really know. That's what a lawyer is for.

Starting point is 00:03:34 But, okay, how many hours a week are you working on top of that 40 that you're not being paid for? I usually average between, like, 35 and 45. There's only... Okay, so... Sounds like she's not always above that 40,

Starting point is 00:03:46 but that 45, you're not being paid for the 5. I'm getting paid, just not time and a half like it's supposed to. It's under the table of cash. It's under the... Well, under the table of cash is also not being... Tax. I mean, it's supposed to be, but you're not paying tax on it, so I guess it at least actually makes up for it relatively. You're not getting paid 50%, so then 100%.

Starting point is 00:04:04 But, yeah. Okay, is the whole thing under the table? Not the whole check. Just anything over 40. And what's this under the table? They're like, here's some cash? But they just don't want to pay the time and a half. Huh?

Starting point is 00:04:14 They don't want to pay the time and a half. You said under the table. I'm quantifying what the f***ing. What the f*** that means? Cash. That's what I asked. And then you answered something completely different. So they just give you cash once a week?

Starting point is 00:04:25 If I, like, work more than 40 hours, then, yeah, I get whatever extra I'm supposed to get in cash. And have you brought this up? No. I told her to. If you haven't advocated for yourself, then I'm all of a sudden not giving a shit. Advocate for yourself. How long has this been happening? Since, like, January-ish.

Starting point is 00:04:51 Like, we, there's a bunch of employees that quit. It's over a couple months. Okay. And I've told her all the time. I don't give a shit about what you're going to say. I'm talking to her. Sorry. I'm not trying to come out of the gate as a dick.

Starting point is 00:05:02 You just keep jumping in, man. It's like, dude, I'm trying to talk to your woman right now. Listen, I mean, the dude, his biggest fear in the world is being cut. Like, before I even met him, he was just blabbing around the office. I hope no one here steals my girl today. Okay, no. I just know y'all are a bunch of gooners. Bunch of gooners, but we don't just whim and one without their consent.

Starting point is 00:05:21 Two, taking them from men. I've heard Brandon's comment where if it's not married, you know, that's what he said. So you guys are not married? Not yet. Not yet. We are engaged. Congratulations. What are we getting married?

Starting point is 00:05:36 How long have we been engaged? We're getting married in June. And then we've been engaged. Two years? Two years. Two years. Okay. How long have you guys been together?

Starting point is 00:05:47 Six years. Okay. So how long is this job going to last before you quit? Am I even putting the income on paper? Does it matter? Since they banned all of the THCA band, I went through that with the nicotine ban, and I don't want to deal with that with people through the THCA ban.

Starting point is 00:06:04 So at the end of the months. People are mean. The amount of people that yelled at me. You're in retail. I mean, that unfortunately happens. I obviously don't advocate for it, but unfortunately, that is the reality of the situation. Okay, so whatever this law is goes in effect at 331.

Starting point is 00:06:18 I honestly don't even know what it is. I'm not in that world of destroying. my brain. But, okay, so you don't want to deal with it? So you're going to go from income to no income, even if it is a shitty situation? I don't want her to. At the end of the month? I keep telling her she needs to have a job before she leaves this job. Okay, so what are the conversations surrounding this then? Obviously, there is a big divide here. So just give it to me then.

Starting point is 00:06:43 Obviously, this is what you want to talk about. So tell me, what the fuck? She wants to quit like all the time. And I keep telling her to have another job for her. I'm okay with her quitting. She's quitting by the end of the month, which, by the way, is in one week. Yes. Less then. So go on. Oh, I just, she has to have another job

Starting point is 00:06:59 because right now we can't make it unless she has some kind of income. I was going to go back to like doing DoorDash and stuff until I find something else. I have a friend that his wife is able to get me in on, potentially in on her company. Potentially in on her company within five days.

Starting point is 00:07:17 Okay. No. Okay. The training doesn't start until June. So I'd have to figure it out until then. about. Okay, what is figured out and tell then? He says he needs to have a job. What are the conference? What happens in the conversation? That's what I've

Starting point is 00:07:29 been asking guys. He says he wants you to get a job. What the fuck happens in this conversation? He tells me to start looking and then I look and then it quite just ends there. She half asses looks though. Huh? She half ass looks. Yeah. She doesn't really like, she'll like kind of scroll. But like nothing is hiring right now. I have applied it. I mean, that's not 100% sure. It's not a great job market, but

Starting point is 00:07:50 nothing is hiring. No. She spent three years looking for a job for a while. That I did do. Because always saying nothing was hiring. How looking? Oh, when was that? A few years ago. Okay, well, that's when literally everyone was hiring in the best employment market we've had in the history of the United States.

Starting point is 00:08:04 So fuck off with that. So that excuse no longer holds water. Nobody is hiring you because your resume sucks or your interview skills suck or your skills actually suck or you're bad at working and now you can only sell drugs to drugies. That's all you're capable of doing or driving an. a car, which is what pretty much every immigrant does when they come to San Antonio. So that's pretty much where you are. Unfortunately. Yeah, she does.

Starting point is 00:08:30 Unfortunately, so you recognize you're 100% of the problem. You don't even have an alternative opinion to this. Very good. So the answer is leave her. She's a complete failure. She's a fuck up. She's done. I mean, that's it, right? I mean, I'm sorry. I mean, you you didn't stick up for anything. You didn't try to advocate for any kind of position or opinion.

Starting point is 00:08:45 You're just like, nope, I suck. I'm the problem. Good. She's done. She is not willing to work on it for the past few years. That's it. and the relationship. Why the fuck would you stay with that? I don't understand. Like, at least if she had an argument, even if it was wrong,

Starting point is 00:08:58 at least there's some kind of perspective to be had. But she doesn't. She's just like, no, I'm a failure and I'm okay with it. How would you ever want to stay with someone like that? Well, to be fair, the last job she had before this one was a computer. She was working from home on the computer. Working from home on computer.

Starting point is 00:09:14 Everything's computer. That's beautiful. Yes, but dogs, I was living with my friend at the time. our dog and his dog got into a fight. They're both pit bulls. She tried to stop it, and now she... Her hands got torn up.

Starting point is 00:09:28 Her hands and her arms got torn up. Like that wasn't. They both, like, severe nerve damage in both in my hands. You can, like, see all the scars. That's after scar surgery, too. Type for me. I'm fine now.

Starting point is 00:09:40 What the fuck is the issue? I mean, I guess for the few months after that, right, she couldn't type. So she was on some kind of not medical leave, but... What's the point here? Medical break. And that's when she lost a job.

Starting point is 00:09:49 Does that have to do with her hire, not saying, no one's hiring for two to three years? No, not really. So what the fuck was the point of that? What was the cope? Just because you're attracted to her and you like her, doesn't mean she's going to be a good person in this relationship.

Starting point is 00:10:01 Correct me if I'm wrong here. But we brought up the problem, the problem that you are having, and her entire thing was like, yes, I do suck and I am a loser, and I don't care. Well, she did finally get a job. It's not that I don't care.

Starting point is 00:10:15 It's, I struggle finding, I don't know what I want to do in life. I want to find a career, but like I don't know what I want to do. That's not my problem. It's not his problem. It's your problem. Being adults, step the fuck up and deal with it. What do you want for me?

Starting point is 00:10:29 I don't know what I want to do in life. Then take an appointment quiz. Talk the, hey, I do something. Like, what the f*** am I supposed to do? That's not a problem that can be solved by someone else. You're just going to cry about it forever that you don't know what you want to do. Like, I'm sorry. I'm probably coming across as a dick.

Starting point is 00:10:47 But at like, what point? Like, what's the alternative? Oh, okay. Well, I'm sorry to hear that. And then what? You never do anything ever? It's like, what? No, figure it the fuck out. And I also don't care. It's an income. If you can't figure it out, you still need to get an income. I don't really give a shit.

Starting point is 00:11:01 I'll get you a course career certification in something you want. Why, if you can actually figure out what you want, people in the audience have converted those into six-figure jobs. But you've got to figure out what the fuck you want. We've had these conversations, and it just doesn't go anywhere, just like this. She doesn't know what she wants to do. She wants to go back to school, but she has no idea what she wants to go back to school for? Why would you even go back to school? That doesn't even necessarily matter.

Starting point is 00:11:22 And I don't believe in college and all that. You don't believe in college. Well, that doesn't make sense either. No, not unless you actually need it, right? All these people spend money, thousands of dollars go to college and don't do anything with the do. Exactly. Sure, but a degree on average, people with degrees earn double lifetime earnings. Not necessarily.

Starting point is 00:11:39 Well, no. On average, the overall statistic is those with a degree. Not necessarily. F*** you, not necessarily. The statistic is double lifetime earnings. Didn't someone, I couldn't remember. Someone famous said that the next generation of millionaires are going to be plumbers, HVAC, and electricians.

Starting point is 00:11:56 None of those people need degrees. Yeah, and Abraham Lincoln said, nigger. So I don't care what your famous person said. How do we even know if what that famous person said is real or not? Like what did he say? What did he say? That the next generation of millionaires are going to be plumbers, electricians,

Starting point is 00:12:13 and HVAC, the trades. Sure, yeah, no, they're going to do very well. We don't have to spend thousands of dollars on degrees. all everyone can do. All of a sudden, that happens. The pay for that demand goes down because the demand is lower because there's a lot of people in the job market. If everyone did that, the pay wouldn't be as good.

Starting point is 00:12:27 I'm just saying, I don't agree you should go to spend thousands of dollars on college unless you're going to go be a doctor or engineer and actually use that degree for something. That's not how that works. Teachers do well with their degree. Marketing does well with their degree. A lot of teachers now don't even need degrees now, right? You need a, like, a bachelor's degree to go to any school to be a teacher. To be a library and you need a master's degree. There's a lot of degrees that makes sense.

Starting point is 00:12:49 I'm not saying go get an art degree or a music degree, but there's a lot of degrees that makes sense. Okay, but going to college with no purpose. It doesn't make sense. Sure, there you go. Once you push the gold post all the way to the other side of the earth, yes, I agree with you.

Starting point is 00:13:00 But your, I don't agree with college at the beginning is... Not everybody needs college. And a lot of people waste money going to college. And the famous person was Jensen from NVIDIA. Did you look it up? I didn't. That's my quant. You're what?

Starting point is 00:13:15 The magic man in the computer did. We love them I want to at least go to college To get my basics And why do you need your basics If you're not going to convert that Into a degree that has a return on investment Hopefully at that point

Starting point is 00:13:28 I'd be able to figure out what I want to do Oh good Hey you're 24 and you've never figured out Anything ever and you literally just sit And your only complaint is I can't figure it out In my defense I thought I would have offed myself by now But I obviously did it

Starting point is 00:13:41 So that's only what every other guest says on this show So that's such a bullshit thing Such a Gen Z? Shut the fuck up Shut up. Okay, buggy 2998. Like, what, shut up? That's not a reality that was ever probably likely considered.

Starting point is 00:13:56 I don't even want to hear it. Don't even say. That is seriously, 30% of all guests are saying that these days. I don't even need to think about it. I wasn't even worried about it. I didn't even think I'd be alive. Shut the fuck up. Shut the fuck up.

Starting point is 00:14:08 Grow up and do something. Take a second and think and advocate for yourself. What a dumb-ass bullshit, stupid point you have. You have no maturity in life, and you refuse to do anything, especially even for your fiancé. It's kind of gross. Step up. I do a lot. I take care of everything at home.

Starting point is 00:14:28 The dogs, the groceries, I cook dinner every single night of the week. So do you just want to be a trad wife? That would be fun, but we can't quite afford that. Okay, what's your job? We tried that. What's your job, Jake, Drake? I'm an HVAC technician. Oh, I wonder where the big opinion came from earlier.

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Starting point is 00:15:26 $4,000 a month salary, plus some commissions. How much commission, because that isn't like the big ego stroke. It really just depends, right? HFAC could be slow during the winter. Average month, asshole. I guess average $1,500 to $2,000. A month?

Starting point is 00:15:45 A month. Okay. So what hits your account a month? On average. On average, I guess a little over $5,500. Okay. I mean, you can do a household in San Antonio on that. So you could tread wife it.

Starting point is 00:15:58 And I know from what we have is she desperately wants to get pregnant and become a milf asap. But I guess you guys don't agree on this kid thing at all. You guys don't even join on finances. Can't even have conversations about money without her shutting down. Yeah. slightly. And he won't even stick it in you as far as I know, right?

Starting point is 00:16:18 Work can be stressful sometimes. Work can be stressful sometimes. I'm also the service manager. Ah, okay, that would... So, yeah. So you want to get babies put in you. He's not really putting it in you. And life is stressful.

Starting point is 00:16:31 You can't even talk about money. He shuts down the financial conversations. You can't even answer questions to save your life. What the fuck is going on? Why are we even together? If we don't agree on literally pretty much anything, and things aren't even healthy here. Because I love her.

Starting point is 00:16:43 She's hot. God damn. That would you want to hear? Not necessarily. You're not bad looking. I'd like to think that's not my best or my only quality. But. Okay.

Starting point is 00:16:56 I'd want to be more than just pretty. Okay. Says the wannabe trad wife. And I, that's why I made her get a job because after the whole computer thing, sorry. I gave her some time to be stay at home and I was making some money. But I would come home, the house wasn't clean. dishes were stacking up in the sink. Aren't you doing shit?

Starting point is 00:17:16 Pure laziness at that point, honestly. That seems to be the reality currently. You getting another job or being responsible in any way or two years when you were looking for a job and no one's hiring even though everyone was hiring anyone. I was doing like DoorDash in that time period. So I wasn't like... Well, that's not... It's not necessarily...

Starting point is 00:17:33 Three hours of it. Per... Per day, if that. Well, she's doing something. You were suggesting she was only staying home. I'd leave it like anywhere between. like 9 and 11 and then I'd come home at like 4.35-ish. How are you guys able to have this lifestyle that you want?

Starting point is 00:17:49 When in the interview, again, before this, when you weren't there, he's saying, oh, my goodness, it is so annoying how she's constantly asking for everything. And then you said independently, it's so annoying how he's always saying no for everything I'm asking for. That's because she has a bad habit in like five minutes, bringing up 10 different things we can spend money on. And Ed's stressed out with everything else. We got to spend, I got to pay bills.

Starting point is 00:18:12 We have a wedding coming up. I have absolutely zero money saved up for, you know. We don't have all the extra money to be blowing on rent. She wants to go, a house, a car, anything and everything. She'll ask for it. I mean, I have a note that you think she's the entire problem for y'all's financial situation. Well, she does spend a lot. I know nothing about the finances.

Starting point is 00:18:31 If I knew more, I... Why don't you clue her in? I don't know. What are you hiding the finances? No, I'm not hiding anything. I mean, that's a relatively decent argument. I have a bad habit of asking people. for help or I just do everything myself because I know

Starting point is 00:18:44 she just wants to look dude what the fuck you're talking about help you're not asking for help it's like she doesn't know what's going on in the finances so she just swipes she kind of does she does know she knows what she just said she doesn't car insurance she knows the rent she just doesn't know exactly like

Starting point is 00:19:00 I guess when it gets paid but she does because I have my money or how much money's anywhere numbers I know how much the car payment is and I know how much rent is knowing how much payment is is different than knowing how much money is coming and where it is and everything. Yeah, we don't sit down or ever have conversations like that.

Starting point is 00:19:15 Okay, well, she's advocating for that. Yeah. She's saying her spending's bad, but she doesn't even know her spending's bad. I'm severely, severely self-aware that my spending is bad. And why do you do it? Great question. That is a great question. Honestly, my entire life, everything has always just been handed to me.

Starting point is 00:19:37 Oh, good. How would you grow up? That's the entire point of this conversation so far for you. Except being a literal child. She went from living with her parents to living with me and I started paying all the place. There was no transition period? No. No.

Starting point is 00:19:49 Because there's still children. Yeah, no. When we started, like, I moved on to my parents' house. I never, I've never lived on my own. I've never had to, like, take care of all of the bills and everything on my own. And so, like, I am very ignorant whenever it does come to that because everything... How ignorant are you? When you sent in statements for the show, you guys got into a massive fight the moment he saw your statements.

Starting point is 00:20:10 I didn't realize she wasn't paying all. Tell me exactly what happened with that. Because she told me, oh, I'm going to get groceries on my, I'm going to open up a credit card. And I know her spending, so I kind of urged her not to. And she was like, well, I'm going to do it. Now that I have a job, I'll use it to get groceries, and then I'll pay it off every month and just use it to build my credit. Well, I guess that happened one time, and she never paid it off. And I didn't realize that.

Starting point is 00:20:33 I didn't know. And when we were sending in statements, she was like, yeah, this is maxed out because I never paid it. Yeah. Same thing with her cash up. I didn't know her cash at borrow was maxed out either. I thought getting a credit card would be a good idea. I thought that I would be responsible and pay it off, unfortunately. I don't like to pay it off.

Starting point is 00:20:55 I want the money. You don't like to pay it off. It's not that I don't like to. I don't want to spend the money. Yes. I don't want to spend the money because then it's not in my account and then I can't spend it on other things. And this is what you want to be with?

Starting point is 00:21:08 That's why we're here. I want to get a changed. Especially before we're not. we would get married and combine finances. I need to pay it off. It's in my brain that I need to pay it off and I know I do. Okay, so you're incapable of everything. You can't look for a job. You can't pay off a card.

Starting point is 00:21:24 You can't figure out what you want to do. You can't figure out even what class to take. You can't do anything. And your only excuses, I can't do it. Like, what the fuck? I don't know how to work with that. Someone like you is just a job. They think because people in this like TikTok generation of bullshit, Gen Z, crybaby, you know, moral masturbators, they accept you saying, my boundary

Starting point is 00:21:48 is not having to think about that. It's like, no, fuck your boundary. I don't give a fuck about your boundary. Your boundary doesn't all of a sudden entitle you to be a moron. Like, this is your enablement no longer. You not thinking is you fucking up your life, but what am I going to do with that? I can't do anything. I don't give them a fuck and I have no sympathy for it.

Starting point is 00:22:08 You're just choosing not to and you're falling back on that excuse that other people have allowed for you to excuse your behavior. Grow up. It's, I'm, I know that there's like, I know I need a new, like, I need a new job and I need to find something before I quit. I, like, I'm too comfortable with not like, my job is easy. I don't have to do much. And so I, like, I'm too comfortable.

Starting point is 00:22:31 My job is easy. That's why I'm quitting. I'm quitting because I, like, I'm not getting, I'm not making the amount of money that I need to be making. And you haven't asked them once. You haven't even. literally brought it up in a singular conversation. I was told something about the management position and then ever since then nothing else has

Starting point is 00:22:49 came up. At all. Not once. 12 an hour. I don't care. You haven't brought up your pay to them one time. Oh, yeah, no. Stop bleeding out money making minimum payments across multiple high interest accounts.

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Starting point is 00:25:03 Link in the description below. If you're incapable of doing that, it's not even confrontation. just bringing up a conversation. At least drop it as a nugget. Bro, you're incapable of doing anything. How you wake up every day, I don't even know. You're incapable of anything. Are you not hearing that yet?

Starting point is 00:25:22 And that's what you want to be with? I'm so confused on that. I could never handle that in my life. She can't do anything. Anything. She did get to retire me for a few months when she got her dead uncle check. Yeah. I got a $122,000 inheritance.

Starting point is 00:25:38 check to then which we like blew in a year and a month a year and a half had what it was about a six it was like eight months a school bus that we decided to chase his dream it your dreams a school bus you you it was his dream it's pretty cool that was not my dream and and we converted it into a mobile home and 120,000 no no that was only maybe 40,000 she thinks it's 60 I say 30 so we meet in the middle and say it's about 45 What? How does it even work? How would you just do the math?

Starting point is 00:26:12 We did and I swear it was only like 35,000 that we spent into it. I feel like it was more. No, because we sat down and did the math. I don't care. Besides the point, yeah. Oh my. And where'd the rest of it go? I did quit working for six months.

Starting point is 00:26:27 What? I was building the school. I was building it out. So the plan was... That was your job was building out a school bus? Oh, you suck. Oh, you suck equally now. Buddy, no one would sort.

Starting point is 00:26:38 survive off $120,000. No, as we learned, it went pretty quickly. What? You thought you would make it to death? No, $120,000. Then how can you take time off work? Because that just needs to sit there. It needs to grow. You just lost millions of dollars if you put that in the marketplace over the course of your life

Starting point is 00:26:54 in compound growth. Millions lost. Yeah. It's a big regret. And what's the situation of the school bus? Right now, it's parked in our backyard. But it's making us passive income, I guess, because my brother lives in it. it and I charge him $450 a month to live in it.

Starting point is 00:27:11 Why don't you sell it? I don't want to sell it. I don't care. Because I want to take trips in it. When? The plan was to travel and live like the van life. Yeah. But how can you? You guys don't make money.

Starting point is 00:27:22 And now you do H-FAC. Like, you're not a... It's not easy. No, it's like exactly. But I'll have... During the winter, it slows down a little bit, I'll be able to. Take some nice winter trips. And her?

Starting point is 00:27:36 She works part-time. She can probably get off. Except she doesn't. Yeah. It's like mostly full-time lately. What the fuck are you talking about, dude? Sell this shit. No, I don't want to.

Starting point is 00:27:49 Get the money to pay off the debt. No, if I sold it, I would be buying another bus and doing it again. Great process. And the rest of the check just went to literally living because you guys wanted to sit on your ass for she's ones? Living. And drugs. Smoked a lot of weed.

Starting point is 00:28:03 We were spending at least $1,000 a week on Bud, A thousand dollars a week on weed? Yeah, for like a solid three months. Yeah. You guys are losers, man. You guys are f***ing losers. When was this? I'm so down. This was 20.

Starting point is 00:28:19 Bro, you guys were like 20. 20-2. 20-22, yeah. 2020-1, you guys are... Yeah, we weren't the brightest. Did anyone have any advice? Did anyone talk to you guys? Actually, my dad...

Starting point is 00:28:34 His dad said it was a great idea. My dad was... My dad said we were stupid. Yeah. Your dad's right. What the fuck is wrong with your dad? Dad's a hippie as well. A hippie doesn't mean poor.

Starting point is 00:28:45 Yeah. Yeah, he kind of is. Oh, he is. Doesn't mean you have to be... Fri-in poor, though. Yeah, yeah, he kind of pushed me into getting the bus. Because I've always dreamed about it for a while. I always wanted to do it when I was younger.

Starting point is 00:28:59 And then, you know, we had the money, and we were looking at buses, talking about it, and he kind of pushed us into doing it. We get swayed into things. relatively easy. I wanted a house and or a new car. A house? You want to buy a house. That's what I wanted to do with the check and

Starting point is 00:29:14 it was... That would have made sense. At least that's an asset, relatively. A bus is an asset too. Sure, but you say at the high end $45,000 of the $120 went to that. So at least with $120, you put it in a house you couldn't touch it. I mean, it's something to live in if we ever are homeless, so it is at a house. Why would you ever be homeless? How about

Starting point is 00:29:31 don't fuck up? That's the plan. Uh-huh. So sell it then. It This is so stupid. Well, it's still an RV, basically. I can use it to travel. Okay. Are you guys ever going to get joint, though, so that we both have eyes on the money as a full picture?

Starting point is 00:29:45 We're about to enter marriage in June? I feel like that's an after marriage thing. Maybe, but are you even going to do joint? If she can control her spending a little bit? Well, or can you control it? I want to. I just never have. The card's not in my purse or not around me.

Starting point is 00:30:02 Then that the money... So again, you're incapable of doing anything. Someone else would have to do it. for you. The guy, I'm incapable of holding money. Why are you marrying a literal child? This is a joke. This is pathetic.

Starting point is 00:30:13 Guys, you were not headed in the right direction. She was literally, she's already considering starting her an OF to sell her feet that look like children's feet. We've talked about it. Kind of do what you got to do for a paycheck. Or just work. Why is the woman's only excuse in 2026? I know, right?

Starting point is 00:30:32 Yeah, that's your potential. No, that's why I talked her out of it. We never really consider it. Can you talk her out of it? Yeah. You mean you never really considered it? It was a like last resort not likely happening. You're about to quit your job and I have a paycheck until training starts in June. Last resort becomes real quick.

Starting point is 00:30:57 Wait, okay, whip him out. Put it on the table. Let's see what we're working with. My feet? Yeah. For free? Yeah. No, my toes aren't done.

Starting point is 00:31:05 Do them. Whip them out. Let's see if these are worth payables. Not really a feet guy, but let's find out. Chat, would you pay for these? Don't know, that's weird. Let us know if it's good money, I mean, we might have to start it. Don't look at the bottom of my feet. They just look like feet. I mean, I'm a little confused.

Starting point is 00:31:24 They're small. They look like child's feet. Would people even know proportions via picture? Maybe. If you put it next to like a banana? A weirdo is going to be a weirdo. A weirdo is going to be a weirdo. a weirdo. They'll ask for you to like piss on your feet. Yes, but I don't know about like...

Starting point is 00:31:38 Oh, God. If it's for children. You know? Yeah, I always told her I'll pick up some side jobs or do what I have to do before we start doing that. Because she, again, is incapable of anything. I can do things. What?

Starting point is 00:31:52 Whenever... What have you done? What the fuck have you done? Because in this conversation, I haven't heard shit. I had a $12,000 check. Yeah, your uncle died. That's what you accomplished? No.

Starting point is 00:32:02 Yikesies. That sounds horrid. That's it. Right? You spent it. You weren't capable of managing it. Very true. I, you know.

Starting point is 00:32:12 So what the fuck are you capable of? You said I can do things. Give me an example. You can't even sign up for a course at a community college. You're broken. I have looked into them. Oh, good. She's looked.

Starting point is 00:32:24 She Googled something. I don't know what I, like it goes back to that. I don't know what I want to do. Okay, take an assessment, have conversations, look things up, read a book. That's your fault, your problem. Figure it the f*** out. You might not have a perfect situation, but you will at least lean towards something that you would want to do more than something else. I told her always if she doesn't know, she could start getting into, like, scheduling and phone calls and customer service to help me whenever I want to start a business.

Starting point is 00:32:50 Oh, for sake. Oh, my goodness, this will be the biggest business failure in the history of the world. He's already had a business failure. Yes, I'm not surprised. What was it? I helped a buddy of mine start an HVAC company. Uh-huh. It was actually pretty successful. Oh, yeah?

Starting point is 00:33:06 Yes. Uh-huh. And? A year and a half, we hit our million-dollar mark. Wow, Ann. And his dad was our silent investor who helped us get started, not very silent, and started started pulling a lot of money away from the bank account before it was scheduled to start him receiving his payments.

Starting point is 00:33:23 Probably his money. That's the way he saw it, but his money was ready to spend. Was that the way he legally saw it? No, because legally he wasn't supposed to start getting paid yet. Did you assume? That was between him and his dad, and I kind of gave a... Kind of. What percentage did you own?

Starting point is 00:33:37 See, that was the other thing, right? The talk, I always own 10% of the business, 10% of the business. But whenever I asked for paperwork... Buddy, why don't people like you get things on paperwork? I don't get it. I don't know. And that's where I screwed myself. And I just walked away from it because I did so much for that company.

Starting point is 00:33:51 Okay, well, he got an angel investor. How much? I think he invested 150. Very good. How are you investing 150 into this business that you're going to take off and bring your wife away to do calls when she's incapable of even doing anything in her life? We don't need $150 to start. Sure, but you were able to get to a million dollars,

Starting point is 00:34:08 and I bet $150,000 helped you get there. Does work vans and stuff and all that. You know, HVAC. Yeah, that's interesting. Yep. I mean, I have a lot of contracts. How's the business doing today? Oh, they shut down a week after I left.

Starting point is 00:34:23 Yeah, I don't think. But I still retain a few of those contracts from when I was there because they weren't in there for him. They were there for me. I just don't understand. Guys, how are you getting married in June if we can't have a financial conversation? If we don't trust a joint account, because he's not willing to do a joint account with you because he thinks he'll just spend his money too. If you don't even have anything saved going into the wedding, how the fuck is marriage in a couple months even a part of the conversation?

Starting point is 00:34:49 Hopes and dreams. Nope. We were technically supposed to get married last year. And? And we had nothing saved up. And you have nothing saved up. Yes. But now we have a venue picked out and set.

Starting point is 00:34:59 So, and we've sent some invitations out. Very good. How much does the venue cost? It only costs a 900. It's a really nice venue, but my boss helped me out with it. He knows the... And what about the rest? What's the wedding going to cost?

Starting point is 00:35:10 Word. The venue is like 900. I have a wedding invitation for you. Thanks. Okay. The rest is going to cost about 10,000. That's what it... She says no...

Starting point is 00:35:20 Very good. How much you guys have? None. Nothing. Okay. But I was talking... We have a wedding invitation? Yeah.

Starting point is 00:35:25 How are you going to feel when Brandon... Your wife on the wedding night? No, that's not happening. It's your biggest fear. We'll make it come true. Brandon, stay away, buddy. We did talk to my dad over the weekend, and he is helping us with a portion of it. We just need to get him.

Starting point is 00:35:38 What's a portion? We need to get him the numbers of, like, the vendors and cost. Very good. Thank you. Yes. You're very excited about this invitation. That's wonderful. Great.

Starting point is 00:35:48 I would not come because I'm going to come, and nothing's going to be there because you guys aren't paying for this wedding. There's no way you can afford this wedding. I don't know what the fuck you're thinking. If I show up, I will be showing up to nothing. And here we go. I hope you're hungry for nothing. Not necessarily. We haven't picked anything out, but we're starting.

Starting point is 00:36:11 Her dad is supposed to help a little bit. Help a little bit of the 10. How much is he giving? He hasn't clarified. We have not clarified. So what are we talking about? Why the fuck would I drive an hour and a half? It's actually in Ciblo, so it might be a little closer than San Antonio.

Starting point is 00:36:23 Sybilow? No one's heard of Ciblo. It's near Sigeen. I've kind of heard of that city, but I know San Antonio. Near New Bronfels. Marcos and New Bromples. It's right next to New Bromples. Yeah.

Starting point is 00:36:34 It's in between New Bronfels and St. King. Okay. San Marcos. Okay. San Antonio. Very good. And it's a very beautiful property.

Starting point is 00:36:40 That's wonderful. None of this excites me because you won't be there. You can't afford anything. If I have to, I will be there with just me and her. I'm not going to show this because that's the real names. My uncle who's supposed to marry us. And that's it. And I'll be happy with that.

Starting point is 00:36:53 Guys, I just don't even know. I just, I don't know. If you cannot have a financial. conversation. What's the point of anything we're doing here? Learning how to have a final? I've tried, but you won't even talk when I try to get you guys to talk about an argument you've had. She just goes, yeah. I shut down. She does shut down a lot, and that's why it's hard to have those arguments

Starting point is 00:37:16 because she'll just start crying. Yeah, well, I heard you shut down the conversations. I do, too, as well. Okay, so she sets down, you shut down. So where is there a conversation to even be had? What was the last financial argument we've had? When we pulled up the statements? What was your rebuttal? I thought that I had told him about everything that I, like all of my debt. I thought I, that's not, that's not my fault.

Starting point is 00:37:39 He didn't remember. I do have a hard time remembering stuff as well. Wow. Oh my goodness. I have a lot of conversations impossible. So I constantly am remembering a hundred different things from work. Okay, so she's right. So you were wrong.

Starting point is 00:37:54 She shuts down as well. Guys, you are not giving me examples. Are you incapable? of conversations. I'm literally just trying to understand something and a conversation. Like, every time that we try to have the conversation, he'll say something and he'll get a like a salty attitude and then just walk away. And like the conversation never goes. What does that look like? What is said? What's the dynamic? Literally anything. Please. For fuck sake guys. Why can't you answer this question? I don't understand. I kind of told you. This is pretty much how our conversations goes.

Starting point is 00:38:22 She's asking for something. I say no because we're broke because I paid bills. No, she just said you said something salty. What is that? That's pretty much it. I'm broke. I just paid a bunch bills. I can't That's shit. And then? The conversation just never goes further from, like, every time we've tried to have, like, have a conversation about that. Why are you guys still together? If you can't even have a conversation, why, why, why has no one considered leaving?

Starting point is 00:38:41 Has anyone considered leaving? No. I have in the past, but that's what pushed her to get a job. So only at the threat of leaving do you ever do anything in life? I didn't threaten to leave or anything. It was just more of like, I need you to step up and be a partner in this relationship. Uh-huh. Which I did.

Starting point is 00:38:58 I stepped up and I got a job. someone fully confronts you, you are incapable of doing anything. I have a lot of issues with trying to do things by myself and get things done by myself, which I kind of attribute back to the way that I was raised and everything was just always done for me, which I need to break that habit of expecting everything to be done for me, and I know that. What do you mean? It's just like, you say the right thing, you just don't do it. So am I confused?

Starting point is 00:39:26 I'm confused on how there's any productivity to be had. even you leaving this conversation. And I'm getting a little more insight because thanks to Lindsay, she's actually able to have, she's able to say things unlike you guys. I don't know what your problem is, but she actually gave me an example.

Starting point is 00:39:43 Thank you, Lindsay. Okay, so she asked you to take her on a trip to Las Vegas or New Orleans and you said, shut the fuck up. Just on the phone. And they're like, it's like, what are we doing? Like, if that's how we're having conversations, you're right.

Starting point is 00:39:57 Nothing ever will become productive. And when you say, shut, I've never told my girlfriend to shut the fuck up in an argument. I've never, I've never just, the moment that would happen, no shush, she's going to shut down. What do you think's going to happen? She says shut the fuck up? Of course. It was joking around me? Oh, was it?

Starting point is 00:40:15 It's happened multiple times that sometimes it doesn't necessarily always feel like a joke. Mm-hmm. Cope? I don't mean it to be rude. Doesn't matter. She hears it. You're saying that. I mean, she's supposed to know.

Starting point is 00:40:26 She hears shut the fuck up. I guess I could be nicer in the way I say things, but... And you blame her for shutting down after she hears that? I don't do that every time. I don't do that every time. Not every time just happens. Well, she might expect it going into it. I want to have the financial conversations.

Starting point is 00:40:48 I want to be more a part of things. He doesn't talk to me about them. What happens? So he just says shut the fuck up. That's it. And walks away. This. Blah, blah, blah is paid.

Starting point is 00:40:58 This bill's paid. That bill's paid. And like, that's the extent. So why won't you let her in? Why don't you? I let her know every single time I'm paying something. What? No, no, no, no, no.

Starting point is 00:41:05 She wants to understand more about the finances. You're like, well, I paid this. I paid that. Shut the fuck up. I do not do that. That's what she just said and you kind of agreed with it. So how are you saying no? No.

Starting point is 00:41:16 I tell her every week and I paid something. I'm like, I'm paying rent this week. And then the next week, I'll be paying utilities bills. Is that what you're asking for? No. Exactly. You're answering a question that wasn't answered. What are you asking for?

Starting point is 00:41:29 She's always asking for. random stuff and I just like stuff. When after bills are paid we need to figure out what money is going towards where we need it like we're supposed to be getting married but we haven't like decided anything and I I guess I don't even do that myself so it's like every time that we've had the conversation about okay so what do we want to eat what do you what bartender it's I don't know I don't know I like I can't I'm not marrying myself I can't plan a wedding all by myself there's like no give back to the conversation and I I refuse to make all of the decisions for that by myself,

Starting point is 00:42:04 especially whenever I'm not even the one, like, mainly paying for anything. How do I, like, I don't know how to... Sounds like she resents you for not having any money saved for the wedding. I resent not having the conversations about what we need to do in order to save what to get where we need to go. I mean, that's been hard when we spend it all. The conversations assholes. That's what she's asking for.

Starting point is 00:42:27 I'm bad at having conversations, I guess. Yes, I have learned that. 45 minutes. I want to have the conversations. They just... We do have those conversations. I just... I'm bad about making, I guess,

Starting point is 00:42:40 decisions like that. I really... I don't have an opinion too much. I want the wedding to be... You don't have an opinion? I do. What do you mean? You clearly do.

Starting point is 00:42:48 You just won't talk, man. And then you accept it as the W. And then she's just sitting there in silence and never having any knowledge of what's happening. I want her the wedding to be the way she wants it. It will be. Getting by Brandon. I'm not marrying myself.

Starting point is 00:43:03 I can't make all the decisions. I agree. He gives no influence. So why marry him if he can't have these conversations? Because one of the leading causes for divorce in this country is financial problems. Why are we getting into this guys? When we both agree, though, on different spectrums, that this is not working. I'm not saying you guys don't love each other.

Starting point is 00:43:25 I am not saying that I want you guys to break up. But getting into marriage, when we. literally cannot have these conversations, like physically, impossible. It makes no fucking sense, and this is a couple months away. That's why we want to start learning and... To be clear, she does resent you for not saving up money for the wedding and not having those conversations that she wants to have. She might not say it, but she does.

Starting point is 00:43:48 And you told Lindsay that you resent her for being growing up spoiled. There's resent on both sides. There's incapable of communicating, letting things faster. This is going to boil up into a big explosion someday. I don't want it to. Oh, very good. You don't want it to, yet you do nothing. What that, what kind of response is that asshole?

Starting point is 00:44:09 What am I supposed to think? Think for a moment. I just heard you say, well, I don't want it to. What do I do with that? What do you want me to do with that information? I give you this big thing of what is happening. Well, I don't want it to. What do you expect from me?

Starting point is 00:44:24 What am I supposed to do with that? Put yourself on the side of the table for a second. What do you expect? I haven't learned to have those financial conversations. We both grew up. Learned to? Yeah, I grew up in a family. Why don't you Google?

Starting point is 00:44:36 How do I have this conversation? Why don't you read a book? I don't read. I don't do reading. What up? I'm Jared, I'm 19 and I never fucking learned how to read. Well, yes, that is clear. Why don't you audio book?

Starting point is 00:44:49 Books are boring. So you're not willing to learn anything ever? That is not true. Why not look it up a YouTube video about marriage and finances, relationships, and conversations. Why not advocate for couples therapy? therapy. There are so many things to do. You in 2006 no longer get the excuse of, well, I never learned.

Starting point is 00:45:07 You have access to everything. GPT, GROC, perplexity, Gemini, all of them. Anything and everything you need. Right there, Kod. I don't. Talking to someone at fucking work. I talk to people at work all day long. And? I love talking to customers. I can talk to them all day long and sell jobs. Obviously not what I meant.

Starting point is 00:45:30 you asking a coworker that you're close to. You know, all this is going on. What do you think? All of his coworkers are his brothers. Yeah, my brothers are the ones who work for me. Oh, both of you are and bitches and just

Starting point is 00:45:41 pussies in this relationship. That might be the way you guys make it to the end of life together because neither of you have any balls. You'll just be miserable and never financially successful as a couple. You'll be failures and losers

Starting point is 00:45:58 for the rest of your lives because no one is willing stand up. That's not true. I'm working hard to have a good career. That doesn't matter if it all goes out the door and we're not able to communicate to prevent that. Dude, I've seen the highest income earners on this show have the worst finances than the poorest. And don't forget, I want you to be on the next episode of Financial Audit. So go to Calebhammer.com slash apply or click that link in the description below. You'll have a great time and I'm going to roast the fuck out of you. That's kind of stupid. I'll be honest. But what's not is actually getting a checking.

Starting point is 00:46:30 account that gives you free money. Free money, we like free money. You can get up to $200 in bonus cash right now. When you sign up for the checking account that I use, chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Doesn't matter how much comes in. When you can't deal with this, y'all are going to be miserable. Then you're thinking to bring in a kid into the picture? No, you guys disagree on that. I haven't heard that disagreement,

Starting point is 00:47:02 but I know she wants to get bread to death. I'm not ready to have a kid yet. Well, I know. You can barely even stick it in when you're stressed by installing pipes. H-FEC units. We lack communication skills between us. Oh, yeah?

Starting point is 00:47:16 Oh, that's groundbreaking information. Every time we try to have a conversation, I'll get emotional, I'll start to cry, and then he'll just immediately leave the conversation. And, like, nothing ever gets resolved. I do bad with emotions. I don't, my dad always taught me never to bring emotions into arguments because then it throws out the facts.

Starting point is 00:47:37 Potentially, yes, into arguments, but does immediately just walking away and never resolving it afterwards fix it either? No. The anger just festers and then nothing ever gets resolved. It's like I want to have the conversations. He just thinks that he can't have them with me because I'll cry. Okay. Example. Try to have the conversation now.

Starting point is 00:47:56 I want to know more about the finances and I want to, be a part of things, so therefore I know where I can help. Well, I pay rents $1,100, and that comes out the first week of the month. And then the next week after that, I pay all the utilities, which is about $500-ish. And then the week after that is car insurance, which is about $400 something, and then car payment the week after that, which is $500 something. And that's just kind of how I do it in my head. I don't, just not much to talk about when that's all it is.

Starting point is 00:48:32 Oh, don't talk to me. You guys are having the conversation. I mean, where you- Response. Is, hold on. Okay, I'll jump in. The fact is, that example of relationship is exactly how you guys described it before. She said, I want to be involved in the finances.

Starting point is 00:48:55 Like, I don't- And then you just went down the list of what you pay. How is that? That's her knowing. That is her knowing. No, she wants to look at the budget, the income, the expenditures. I don't have a budget. I literally do it in my head just like that.

Starting point is 00:49:08 Yes, if you guys sit down and build it out together. The answer to her question and worry is not used to saying, well, I pay rent and I pay utilities. What? How is that the answer? Yeah, I've shut down too. How do you respond to that? That's a horrendous answer.

Starting point is 00:49:24 That's one of the worst answers I've heard in the show. Did your dad also teach you how to bring up with your response? responses? Yes. Guys, what do we think the financial score in this house is? Zero to ten, zero being the absolute worst,

Starting point is 00:49:37 ten being the best. One. I think I took the score and I was one. Well, you can take that score at Calebhammer.com, see where you stand in the world of finances, get your hammer

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Starting point is 00:50:35 What's happening here? Okay, very good. Why the f... Are we behind on making the Capital One Quicksilver payment? That would be her account. What is wrong as you woman? I thought I would pay it off

Starting point is 00:50:47 and use it for groceries and that... You thought you would? Yeah. That didn't. Why didn't it? Self-reflect. It's... I would use the money

Starting point is 00:51:00 and then something else would come up and then I would never like go back to paying it off. It was just like... Why? I'm trying to get self-reflection. In my brain, if I paid off, like I make like $2, $300, $400 a week. Paying it off would take my entire paycheck

Starting point is 00:51:20 and then I wouldn't have money for like anything else. They have monthly payment plans. Why not make the minimum of $65? It's supposed to come out. It just, it comes out at the wrong times. And then I'm like, the money is not the account. The auto pay does not come out after the payment is due. No.

Starting point is 00:51:41 It comes out. Yes. I just, I never have money in my account whenever it needs. That's it. It bounces it, it gets sent back. Yes, this takes two years to pay off. The limit is $300, but you owe $432, $62. But you owe $300.

Starting point is 00:51:59 What the first. What are you doing? Yeah. The fact that there's even transactions blows my mind. I don't know how that even happened. Late fees, I think. No, no, no, that was a return payment. Must have been.

Starting point is 00:52:09 And then a late fee on top of that. Yeah. Yeah. Yeah, that was the card I was talking about that we got in. Passed to 40. Return ACH card payment. 65. Why don't you have money in your checking account?

Starting point is 00:52:22 Huh? I, my entire paycheck pretty much goes to groceries. And then I don't really have money. Groceries and gas. That's essentially. That doesn't make sense. With the amount of money you said you make, which I'm not writing down, because you're saying you're quitting by the end of next,

Starting point is 00:52:35 by the beginning of the next week anyway, so I'm not even taking an account for the household. But even still, groceries and gas, unless you're just literally filling up like 10 Ford F-150s and feeding a house of 10, does not equate to bringing those paychecks to zero every week. Amazon. It brings, not necessarily Amazon.

Starting point is 00:52:53 I go to the gas station. Tell me your Amazon. What are you getting at the gas station? Red Bull. Why? Why even the one off? Listen, obviously I advocate for gamer subs

Starting point is 00:53:05 because it's much more, much more makes sense financially. It's very good. It's wonderful. And here's the pack version. It is 40 cents a serving. Let me make sure this one's the hydration caffeine. Okay, this one's the energy drink.

Starting point is 00:53:18 Okay, this one's the energy drink. Here you go. 40 cents a gregorps. Or just use my link. You get the free sample, see what flavor you like, and then get it, make your energy drinks at home

Starting point is 00:53:29 like you make your coffee at home. It tastes better, like, legitimately, and... Red Bull's shit, anyway. I mean, these are really good. And... What? Red Bull is not good. Red Bull is amazing.

Starting point is 00:53:40 Dude, Red Bull's not very good. I say this is good, right? It's very good. But this ain't up there with my favorite Red Bull flavor. Now, that one is actually up there with my favorite one. But... Okay. I must be more of a strawberry guy than Peach.

Starting point is 00:53:53 Yeah, but that's okay. I still think Red Bull is pretty good. Red Bull? Yes. Bro, when we did the blind taste test, Red Bull was barely, it wasn't even close to the top. Which Red Bull were y'all trying? Just the original. Yes, Red Bull.

Starting point is 00:54:04 Okay, see. The original isn't that. Okay. So use that, type in code, Caleb. This is your $0.40 to serve and you're making it at home. You're not stopping at the gas station. But even if you do have to do Red Bull, which I really don't understand why. Buy him in bulk instead of the single you, stork.

Starting point is 00:54:16 Well, she does. I started doing that. Give me Amazon. The last couple purchases, only one of these was me. The rest of them were him and his brother. What was you? Show me. Nope, snap.

Starting point is 00:54:26 Clicking buttons. Um, the one that was me was... We all do share an Amazon account. You're talking around your mic. Okay, why are you doing nails shit? Your nails aren't even paint and they're cut. Yeah. So what the fuck they were even doing?

Starting point is 00:54:40 I've been like slowly teaching myself how to do them with myself. So how are you saying it's all Amazon? That drains her account. Amazon and random other bullshit that she spends on. And then, yeah, all of the other stuff was... What games? His Christmas. What did you buy any games?

Starting point is 00:54:54 She spends a lot of money on her phone games or... Phone games. Sometimes I stuck really bad in my game and... Huh? Yeah. She pays her way through games. No, why? Because I just get stuck on a level.

Starting point is 00:55:06 I'm really bad about that. If I get stuck on a level... What game? Oh, f-f-f-f! She has like three or four games. She spends more... Why, you spend $1,000 in two weeks on Fri-Fing Sims? I did do that.

Starting point is 00:55:17 Hold on. What's even purchasable in Sims anymore besides the DLC? But you do that once and it's done. DLC. Well, it's done a thousand? And multiple packs. She gets all the different types of packs there is. I like, Rage bought pretty much almost.

Starting point is 00:55:28 Rage bought? I was... What do you rage? He made me mad and so then I was like... What? From what? I don't even remember what it was about. Try you.

Starting point is 00:55:37 Probably something with his game and... What? What about his game would make you angry for you to go spend $1,000 on Sims? Because I spent $10 on a... The... My game for a skin or something, that's it. And then... You got upset at him spending money on a game so he spent a thousand on Sims?

Starting point is 00:55:54 I don't think that's what it was. There was, it had to be, like there was more to it. We were arguing about something. Probably her asking for something and I said no to that. And I was in. And then bought the $10 in the game. And she was upset. And then what are these mobile games that you're just buying the in bullshit?

Starting point is 00:56:11 Buying coins to pay my way through. Gems and coins and oh my. It's so stupid. Candy Crush, Monopoly. No, you are not. Candy Crush isn't even like downloaded, downloaded. I don't play that in a while. Color Block Jam, Monopoly Go, and Fallout.

Starting point is 00:56:26 shelter. Oh, fuck's sake. Oh my goodness, the choke all those things have. It's so bad. Yeah, that you are doing. Stop. I think what also makes that worse is... They can't take accountability for anything. You've had two lay fees this year on this card, which by the way was only two months of statements. So every month this year so far, you are later! Yes, that's been late for a while. And you want to bring a kid into this? Not now. I want to wait till we're after, like, I want to get married first and then kid. Great. Okay, so a kid in a couple months.

Starting point is 00:57:06 Shut the fuck up. Okay, answer me this. You know, I love to ask it. Okay, I know your sex lives are rough right now, but when they're not, he sticks it in, right? Yes. Does he stick it in without a condom? I'm on birth control. Thank goodness, what kind?

Starting point is 00:57:19 The thingy in my arm. Good. That's the best kind. Well done. That's the first time I can clap for protection on this show. That is one thing I am big on is protection in some type of way. either it be a condom or the thing in her arm. She's had the thing in her arm, yeah.

Starting point is 00:57:35 Oh, you don't need to when that's there. Yeah. So, well done. Twinkie for life. Might be why you're, but. Potentially. I don't know. It's actually expired.

Starting point is 00:57:44 It is expired. I need to go to the doctor. But in other countries, it's lasted up to five years. I take back my applause. How does this happen in every financial audit episode? That's why every intelligent person in this country is no longer having children. when they need to be the ones having children, and it is literally the white trash or ghetto or f*** or poor mother f***

Starting point is 00:58:08 that are breeding. It seems a thousand dollars. I don't care. You're busting raw loads in her on expired birth control. It's been working still. Still or you just haven't hit that window. So it's FDA approved in America for three years, but other countries it's FDA approved for five years.

Starting point is 00:58:24 Yes, it might mean the 99% protection might be 95 now. You want that risk? That's still better than a lot. It is better, but you want that f***in wrist. You want to bring a kid into this when you can't stop buying gems? You can't even have a fucking conversation. You think you'll ever talk to your kid?

Starting point is 00:58:38 Your kid will have a issue and you, you'll never be disciplined. He'll never be disciplined. Oh, yes, he will. No, he won't. You can't stand up for yourself whatsoever. I don't do spills. You can't do anything.

Starting point is 00:58:48 Yes, you will. Yes, you will. You do here. What are you talking about? That's literally all you do. Your life. That's why the first thing you said when you walked into this building

Starting point is 00:58:59 for some reason, blows my mind and has never happened before. So please make sure nobody f*** my girlfriend. No. Why that would happen? I don't know. But even still, I don't think it was on anyone's mind until you said it. No, no. I told Brandon to watch himself.

Starting point is 00:59:14 And now, right afterwards, Green Room, Choochoo! And you're not invited. You wish. Oh, God. Oh, like she'd turn down anyone here. Listen. I am happily in a relationship.

Starting point is 00:59:30 I'm sure you are and they always are. Godding, I need to go to the restroom. Pregnative p. A lot. Hey, chill out, chill out. You are so funny. She actually, we did actually have a scare a few months ago. Yeah, shocker, to nobody. Okay, I'm gonna stretch my legs too then,

Starting point is 00:59:47 because I don't need to have a private conversation with you. Y'all have really nice toilet paper. Y'all got the expensive toilet paper. With this, I don't keep it like close here or Matt's out. We are filming. Better. Oh. We are live.

Starting point is 00:59:59 Oh, yeah. That was in the video. Shout out to Mark. Thanks, Mark. Okay. Thank you, Mark. But let's talk about the Quicksilver. Second Quicksilver.

Starting point is 01:00:09 There's two Quicksilvers? Is it supposed to be your Quicksilver or do you have two? He has one. I have one. Okay. The capital one. Yes. Yes, the Quicksilver. Drake?

Starting point is 01:00:19 I brought some packs if you want to rip some magic packs with me. Oh, thank you. Someone else already did that? I don't give a... It's not Pokemon. It's for children. it's magic the gathering. I'm further from that than I've even been to Pokemon

Starting point is 01:00:39 and I'm not even close to Pokemon. How much you're spending a magic to gathering? The guy that got angry at his fiancee for spending too much money. I mean, he spent $250 on this card which was as accruing! So how much you spend it on Magic the Fri-Gathering? Rip a pack! Rip a pack, asshole!

Starting point is 01:00:55 Rip a fucking pack! All right. How much are you spending on this? What's the question? That I ask that you will answer now. It depends. I mean, oh my goodness, can you try to answer?

Starting point is 01:01:09 Two hundred a month. Pause. This guy, have you ever seen him have a conversation with someone before? Can he do it? Is he able to hold a conversation with a human being? Yeah. I don't know, man. I really don't think so.

Starting point is 01:01:22 Rip. 200 bucks a month? You're bitching and moaning over here? That's not bad. It could be a low car payment. I guess. My car payment's like 500. Well, yeah, you have a normal car payment.

Starting point is 01:01:35 Hey, I got some good stuff in this, actually. Wow, somehow you made it even less interesting in the previous card rip that someone did on the show. Good f***, man. See that? That's worth some money right there. Okay, I got a Teenage Mutant Ninja Turtle. Yeah, it's from the new set that just dropped,

Starting point is 01:01:53 the Teenage Mutant Ninja Turtle set. So, childhood memories, I had to get the pack, you know. And then I may or may not have bought the Commander's set Yeah. As well. Oh, did you or did you not? He did. Okay.

Starting point is 01:02:07 On the way here. What the fuck are you spending on a card that you cannot pay? Oh, animal center. Animal Cancer Center. Yes. Our dog had double ball cancer. Had? Yes, he's doing great now.

Starting point is 01:02:18 Oh, he's alive. Very good. Yeah. We're good. So we just chopped off the balls. Pretty much. That's good. Why do you not have pet insurance?

Starting point is 01:02:27 He's older and it was a pre-existing condition. You're convinced that your friend caused the cancer? That's what she's. She's dumb. I am mildly convinced of this because he would flick him in the balls. And then a couple months after that, we noticed that one ball just started to look a little different.

Starting point is 01:02:44 And a couple months later, come to find out that he had a tumor on his ball sack. So I mildly convinced... Dude, I think you guys are just a little... Because here's the thing. Potentially. Even just how your relationship started. Even just how your relationship started.

Starting point is 01:02:58 You were dating with someone. You broke up with your friend because of drinking. actually. You broke up with your friend because of Drake. No. Not necessarily of him. Yes, your friend?

Starting point is 01:03:08 It was... And you and your friend had a huge falling out because of your relationship with Drake. It wasn't necessarily... Like, our relationship was a part of it,

Starting point is 01:03:16 but she was... Yeah. She, her cousin was dating his younger brother and then they broke up... I don't think that's the issue, though. I think the issue is that

Starting point is 01:03:25 your friend thought Drake was toxic and controlling. Like, I'm glad you're bringing up that other thing, but... I don't see how... he is. Sure, but your friend did and that was the fight.

Starting point is 01:03:36 So it doesn't matter about the cousin thing. I don't care about that. Her friend's dad was also a peep. So. Very good. Why are you? Oh my gosh, you guys seriously suck at this so much. I don't know how.

Starting point is 01:03:47 I do not know how you are bad at this. The conversation that happened, the big fight you had with your friend was on how he was toxic. And then you guys like, you hear that and you're like, well, that his dad was also a piece of shit. Well, also he dated the guy. I don't care. I'm focusing on the thing I am talking about. Your friend stood up to you because of him. And you guys had a falling out because of that. And other stuff.

Starting point is 01:04:15 Oh, my friend. Not just me. Someone else want to finish this conversation? They can't do this. Oh, they can't. Oh, they are so bad at this. Oh, fuck's sake. Not too bad.

Starting point is 01:04:28 Uh. Is anyone going to tell me about that conversation? Do we just want to talk about something else? I don't know really how the conversation went. That was between her and her. I don't understand. I don't know. You just keep saying yes instead of answering.

Starting point is 01:04:38 We, there was, she said that he was manipulative and toxic. And I, I asked her, like, how, why do you say that? And from her perspective, she says that he controls everything that I do. And I don't see that. Oh, this is very good. I'm surprised I had to take five minutes to try to get that from you. Is that not worth something? The fact that you had to break up with your friend because they had a perspective that the guy you're with was maybe not good for you.

Starting point is 01:05:02 I don't trust her judgment. Why? She's in the same relationship with the dude that's done the same exact shit to her. Maybe that's why she can see it? But if she can see it, then why is she still with that guy? Is she still today? Yes. They actually just got an apartment together.

Starting point is 01:05:16 Better than you guys, you guys moved in immediately when you never even lived on your own. You know nothing but codependence. Yeah. Which is a quick and easy situation to fall into something that is manipulative. It's a rough saying of that word. And controlling. My perspective and the previous year, like, so far in our relationship, I don't see it as, like, I don't feel like there's manipulation or, like, I don't. I understand where she was coming from, but at the same time, I don't.

Starting point is 01:05:45 It's because I wanted her to get a job. That's probably what it was. That's the only thing. Probably what it is? That's the only thing. I really don't care what she does. I, she can do whatever she wants. I'm not really controlling as long as, you know, I need help with rent sometimes.

Starting point is 01:06:00 No, whenever I go down to the Houston area No one has ever sent something as bad as... What the fuck is this, guys? What is that? It's like I'd never had glasses or something. I don't know what I'm looking at. That's, I guess, the screenshots from our... Yeah, our screen recording of our credit karma.

Starting point is 01:06:19 There was something that wasn't able to be sent over. I made it into a PDF, and I could see it on my end just fine. You look like a PDF. 400... What is that even supposed to me? 400. And $13. Needs Attention. National Credit Systems.

Starting point is 01:06:36 Collections? Yes. For who? That one's on both of ours. That's for the apartment. Why did you allow a apartment to go to collections? Because I already paid them their money. Doesn't look like it, I would actually say.

Starting point is 01:06:49 We moved out, and they called me a few weeks later saying I owed $700 in damages, blah, blah, blah. And so I owned up to it because we did have puppies at the time. That kind of destroyed. So I brought in $700 cash to the apartment complex. They say cash works? Yeah. And I gave it to them. I thought all was good.

Starting point is 01:07:06 And then a few months later, I got a letter in the mail saying I still owed $400-something. Well, not, why not pay it? So, listen, I don't like it. I do not like it. I agree. But your credit is not fizzing. It's, it's, it's, it's, f*** your credit. Like, I care about that more.

Starting point is 01:07:21 I didn't realize it was going to go to my credit until I already went to my credit. Okay. Well, why not just still kill it? So as many of you know, I've been a big supporter of course careers for a long time. I'm not just a partner, I actually own stock and I'm an investor. So why did I partner with course careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees.

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Starting point is 01:09:16 is here to help you shape it. Starbucks is bullshit and a waste of money, and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40, sense of serving and honestly it literally tastes better and we proved this accidentally via a blind taste test in our hammer elite show fat and fatter the number one ranked energy drink is game literally the cherry flavor is insane listen you can also get free samples to see if you like it or 10% off your order at gamer subs.

Starting point is 01:09:53 gg or click that link in the description below type in code Caleb that's two months of magic the gathering on your friend said if i wait long enough they'll send me a deal for a lot cheaper. No, not necessarily. Well, actually, no, I wouldn't necessarily say that. Usually it's going to have to be you reaching out and negotiating, but even still, this is $413. I don't even know how much effort they're going to work on. I feel like I shouldn't have to even pay that $413.

Starting point is 01:10:16 Oh, greed, I am on your side. Is that the argument we're having, no, but your credit is f***. Yeah, it's been getting f***ing. Uh-huh, so unfi-uh. She's saying she wanted to get a house. If you still want to get a house to some point, marriage kids, who knows?

Starting point is 01:10:30 We do. Surely that birth control is not. not helping right now. The fact is not with this. That would look bad. I mean, that's the smallest one. I'll worry about that one less. Or it's the easiest to get off.

Starting point is 01:10:45 So fix it first. Moron. Oh my goodness. But then I have to have, I don't have 413 just laying around for it. If you do two months of not doing Magic the Gathering, you actually do. But then I'll spend it on something else because I'll save you. Okay, don't.

Starting point is 01:11:00 Spend it on. Put it in a savings account where it goes to this immediately. I'll try to do that, maybe. William, let's find out. National Credit Systems, 1,973. What's this for? If this is still all of mine, I believe. That's yours, that's not mine.

Starting point is 01:11:17 Yeah, that's going to be for my appendix surgery. I think. I went into the... Might you get it on a payment plan? He didn't have insurance. I didn't have insurance or anything. No, why didn't you get on a payment plan for the 1,973 hospitals do that?

Starting point is 01:11:30 Pay medical bills. They'll drop off in a few years. Okay, you guys just received the worst advice from like everyone. Is this so stupid? That's so stupid, man. Is your family doing well? Not necessarily. Why are we listening to them?

Starting point is 01:11:46 Because I didn't want to have to pay that right then in there. I wouldn't want to pay it either. Do we do what we want always in life? No. You wanted to blow 120,000 hours sitting on your fucking ass and smoking weed. Was that good? No. Should we do what we want?

Starting point is 01:12:04 It was a great time. You guys will be losers for the rest of your lives. Nah, I don't believe that. I do. Listen to your answers now. Well, and lack of throughout this conversation. You guys cannot do anything in this world. You're incapable.

Starting point is 01:12:19 You are basically mentally 15, 14, 13. I wouldn't say that. I would say that, actually. No. I don't care what you would say. I really don't. You are not. You are not someone that has any worthy opinion on any of this.

Starting point is 01:12:34 Look at where you are now. I mean when it comes to finances, sure. Actually, your opinion is worth negative. Your opinion is in collections. I'll give a fuck what you think. When it comes to money, sure, I guess. When it comes to finances. Believe it or not, when it comes to money and finances, that's what we're talking about.

Starting point is 01:12:50 I'm not going to be a loser as far as life. I'll have a nice job. I'll start a company. Doesn't matter. I'll catch up in 10 years when I have a nice million-dollar company. Yeah, a million-dollar company. That was able to be accomplished because of $150,000 investment. Nope.

Starting point is 01:13:03 Yes, it was. You're talking about the last company. Yeah, the one that actually hit that number? Yes. Yeah, and hit that number because I was there. Says every former employee. Okay. I mean, that's why they had it closed down a week after I quit.

Starting point is 01:13:16 Everyone, including myself, thinks were worth more than we actually are, and we actually have less of an impact when we're gone than we think. I mean, they couldn't literally, couldn't run it without me there. It was probably more happening. Come on. Looks like there was a lot of financial issues with that, taking the money from,

Starting point is 01:13:33 The account. We found out he was taking money from the company account to go start another company. Well, there you go. I don't think it was you, guy that is a former employee who thinks he delivered more value than he actually did, like every former employee in the history of every company in the history of humanity. I literally scheduled everything. Oh, wow, that's hard.

Starting point is 01:13:52 Oh, wow, that's difficult. I did everything for that company. Uh-huh. Yeah, that's hiring another HVAC person if it's a real million-dollar company. Buddy, you're not that guy. You're fine. You're a good worker. I am that guy.

Starting point is 01:14:04 No, you're a good worker. That doesn't mean you are the bread and butter in the sauce. I wouldn't say I'm the best, but I'm good at what I do. At HVACI. And plumbing and dealing with customers and scheduling and... Okay, those last two things are very easy. I do them now. Yeah.

Starting point is 01:14:22 Contracts. I love closing the big contracts. You know, I'm getting... Closing contracts. Yeah. You know, like new homes or apartment complexes that they're building up. Like, we do a lot of work out here in Austin. San Antonio.

Starting point is 01:14:34 We, the business you work for? Yes, the current business we work for. Chat. Chat. Save me from this one. Okay, who owes 949 in collections? I believe that is also mine. Oh, seems like you're actually the horrible one.

Starting point is 01:14:52 That one is also for the appendix. I think that was the appointments afterwards. Payment plan. Okay, Midland Credit Management, 2079. That one's mine. Very good. We're back to Alexis being back. What is it?

Starting point is 01:15:05 After the dog fight, I, both of my hands were covered in like really, really bad scar. Payment plans, guys. And I got laser treatment. Payment plans, man. I'm not saying, listen, I don't even like, our health insurance system's fucked up. Don't get me wrong. I'm not even defending it, but just, I don't understand why you want your credit. You just allow it.

Starting point is 01:15:25 I feel like they never gave me the option for payment plans, at least when I went in for the hospital and shit. They were just like, it's going to be $2,000 unless you have insurance, and I was like, I don't got insurance. Can I get on a payment plan? I have a question regarding that because it's through care credit. Well, this you paid around a credit card, so the credit card went to collection. You're not going to get on a payment plan for the credit card. You actually already had one and it was called Minimmonty payments. You should have done that.

Starting point is 01:15:47 That's that you didn't. This one's even worse because you're just a moron. How do I go about, like, I'm not able to get into that account to be able to pay anything? Like, how do I- It's because Midland Credit Management owns this debt now. You have to contact them. Okay. I wasn't sure how that worked.

Starting point is 01:16:04 I'm not even sure how to pay some of that stuff off You guys have never tried to look anything up in your lives I've tried to get into the care credit account You guys have phones? Do you guys have a computer, a tablet? Do you guys have the internet? Yes. In San Antonio, I know it's like... I'm not very tech savvy though.

Starting point is 01:16:21 Yes, Googling is very tech savvy. I know it's in San Antonio's like 25 years behind every other Texas City but you guys can use Google. Yahoo! Who uses Yahoo anymore? That was the point and kind of the joke, not very good one that I was making. Why are we late on our insurance? Some insurance.

Starting point is 01:16:48 I don't even know what insurance. That's actually two months of insurance put together. Oh, that's wonderful. Why? And what insurance? Well, that's our car insurance. Loses for the rest of your lives. And there's going to be a kid brought into the picture.

Starting point is 01:16:59 Alice happens. Our dog was going through the surgery. And that was all expensive. And so I just waiting on. Wasn't it put on a credit card? No. No. How much was the surgery?

Starting point is 01:17:10 After everything, around 5K. Between imaging, everything. We couldn't get pet insurance because after he was diagnosed, they won't take him. Well, yes. That's what I'm advocating for before. Obviously, yeah, you don't get to. Hey, I need car insurance. I just got in a car crash.

Starting point is 01:17:25 He's also old, too. He's older. Well, that's going to make it hard, but that's why you should have had it before. I'm sorry. I know that. It really wasn't a thing until, like, he was already. seven or eight. When was he seven or eight? Like two, three years ago?

Starting point is 01:17:38 Okay, lies. I'd never really heard about pet insurance. You've never heard of anything. Neither of you've ever heard of anything. You can't do anything. I've had pet insurance for almost seven years. I don't even got insurance of myself. Well, you're broken. Do not have children. And hopefully that allows natural selection to take care of itself. Team Mobile. We're unpaid. 434. That's the same thing I had a...

Starting point is 01:18:00 Okay, do Helium Mobile. It's the same towers as Team Mobile. I can't. I have everybody on my phone plan, my whole family. Well, stop. You are an adult. You are on your own. I don't give a fuck about them. I mean, I do a little bit.

Starting point is 01:18:13 A lot of them are my little brothers, too. I also do not care. Your parents can be parents. Well, that is the thing my dad used to pay for their phone bill and have it on theirs, but then he would forget to pay so everybody's phone would get shut off. I don't care. This is not your responsibility. You can't take care of your own bills.

Starting point is 01:18:29 You can't take care of your own bills. I still pay them. Then maybe I never do. I never do. No, no, no, no, no, no, no, no, no. You're multiple months behind and a lot of things. Get off. I'm catching up.

Starting point is 01:18:42 Switch to helium. Shut the fuck. And you use the fucking mind card. Use previously the Fizz card. Debit card that builds credit. Can't spend more than what's in your checking account. It's all what you people can handle. You can't do anything else.

Starting point is 01:18:56 You guys are failures. Failures at conversations, life, and finances. Finances. Sure. Everything else, yes. I wouldn't say everything else. Especially conversations. When it comes to finances, sure.

Starting point is 01:19:08 Buddy, I try to talk about a lot of different things here. You could not do that. Revolving around finances? No, revolving around, I was just trying to get an example of a conversation you guys have had, and it required Lindsay telling me, you guys can't talk. We talk all the time. But you just say nothing. Yeah.

Starting point is 01:19:25 Listen, when does I got a gas, bullshit? When does I got bullshit? Vaping and smoking. So you buy from your own store. Sometimes. Loser. Bought from your own store. Loser. Texts best. I don't even know what that is.

Starting point is 01:19:39 Gas station. Okay, well, you went and got some bullshit because that ain't gas. Most likely a rascal. Was that your cash up or mine? That was way too many transactions to be mine. But that's her with my card of cash, my cash up card. The gas station ones. That would be me. How are we even having unprotected sex with birth control that is broken when you do not have health insurance for yourself? like it's so irresponsible.

Starting point is 01:20:05 And also, why do you not even have health insurance? Get just the critical coverage one that is like the cheapest there is. Well, because I had it. That'll prevent bankruptcy. And then my mom took me off of it right before the appendix thing, actually. So it kind of sucked. Does it matter? You'd be taken off in a couple years regardless.

Starting point is 01:20:19 And then I had it again with a different company. And I left that company. That's wonderful. I asked why do you not have it now? Just because I never set it up. I don't know. Because you guys are incapable of anything. waiting for my employer to be able to offer it so it's cheaper on me.

Starting point is 01:20:35 Will they? Eventually. When? We just started the service side, so there's only three texts right now. So he's waiting to get a few more texts. You guys are incapable of everything. Okay, this must be a car, $8,547. $73.

Starting point is 01:20:50 And a 13% interest rate. Whose car? That's ours, but she drives it. What is it? Honda, CRV, 2018, 2018. 13% interest rate. Why? I didn't even know what interest rates were in so after.

Starting point is 01:21:04 Because we don't know anything because we can't Google shit because you guys are incapable of literally living. I don't know how you made it in here. I've never heard of roads. I've never heard a guess. I've never heard of putting it in an address into a GPS system. It's worth surprisingly 10,000. So you guys actually have an equity position of about a 1,500.

Starting point is 01:21:22 I wouldn't know about that. It's a little bit of. You wouldn't know about anything. You don't have to say that anymore. I'm assuming that for every topic in the history of everything. Okay? You don't have to tell me. You're gonna drop your kid on its head and you're like,

Starting point is 01:21:33 I had no idea that that would be bad. That means, I don't understand. I don't understand. I don't understand. Like what the fuck? You're the guy that russed the girl says, I had no idea. I couldn't do it without fucking asking.

Starting point is 01:21:47 It's like, why? You can't do anything. I would never do that. And I could do a lot of things. Would you even know if you did? Yeah, I think I would know. I don't think so. I don't think so.

Starting point is 01:21:57 I don't even know I had to wear a condom. I didn't even know vaginas is where the babies came from. I didn't even know. You don't know anything! I know a lot. Maybe just not when it comes to my finances. Buddy, you know HVAC and that's it. And plumbing and carpentry and a little bit of electrical.

Starting point is 01:22:13 Trade work. I could build you a house. No, I would never trust you to build me a house. That is the last thing I would ever do allow in my life. 496.00. Probably a lot nicer than the houses that go up around here. But not nicer than the houses I own. $496.991.91 cents is your minimum monthly payment.

Starting point is 01:22:32 Checking account. Who has USAA? Me. Okay. 1,300 in there, not horrendous. 25 Zelda. That was probably wrong. Got some bullshit. Apple Cash money sent 140.

Starting point is 01:22:50 464. It must have been your deposit. When inside I got some bullshit. When inside got some bullshit. When inside got some bullshit. $10 sent out. When inside got some bullshit. $21 went out.

Starting point is 01:23:02 Cash app. What are we doing with all this? My brothers will, like, transfer money to each other if, like, we're out of store, or they'll be on a job site, and they'll be like, can you give me some drinks or food or something? And so, or vice versa. Pete Carey's burger stand, Groupon, $56, when inside, I got some bullshit. Las Palapas. Zelen, I, 80 bucks. San Antonio Zoo.

Starting point is 01:23:27 Cash up, cash up, cash up, cash up 170 there. Cash up 150 there! Storage? You paying for storage? Am I? Yes? What storage? I postal?

Starting point is 01:23:41 Oh, that's for my company, I guess. I have a DBA and I have to have a mailbox for it. Why not your house? Why use my house? So you don't pay for... You can't? It's not my house, so I don't know if I can. I rent the house.

Starting point is 01:24:01 I don't know. Even just pick a random... I don't know. Well, mine was my house forever. Maybe I was doing that illegally. Did you own it? Yes, I did. I don't know.

Starting point is 01:24:13 I don't know. That's a good question. Actually, I don't have the answer. Fair enough. Okay. Hey, that's... Do you know? Exactly.

Starting point is 01:24:20 And guess what I'm going to do? I'm going to look it up later, so I do. It's weird how that works. You know, when inside I got some bullshit? When does I got some bullshit? Cash out, cash out. The closed spin, Disney Plus. Cash out.

Starting point is 01:24:31 Cash out. Close spin is not. bullshit. That is laundering because we don't have a washer and dryer in the house. You can't afford one. We could. We just didn't have space. We don't have a space to put a washer in a house. We had the ability to buy it.

Starting point is 01:24:43 Okay, calm down. Apple Cash set out, game, Xbox game. I don't even know. Maybe it's game past, but it just has an Xbox game. It's probably the game pass side by for Marvel. Prime video. I post the storage again, so two times in one month. Only should be one. Two businesses this time? No, it should be once. Amazon Prime, Apple Bell, Apple Cash's out.

Starting point is 01:25:02 Zelle, Netflix, Microsoft, Amazon. Home Depot. I post a storage. Apple Bell, I post so storage. Why are they charged it so much? Yeah, you're getting this. I post the storage. Dude, dude, too, too, too, too. I thought it was only supposed to be, it's supposed to be like a $5. Go on, going against the bullshit. Yeah, you don't, yeah, just fucking look at your accounts, asshole.

Starting point is 01:25:19 Put it into Delaware, it's automated. It would tell you like, hey, well, this is recurring. What the fuck is going on? It would automate it immediately. Biggs 205 going inside, getting some bullshit, selling out 275. Your checking account started with 38 cents, ended with $6. What the fuck is, because we're going to do. wrong with you. Money doesn't support my account. Apple bill.

Starting point is 01:25:36 Go inside getting some bullshit. Maybe don't do that. Little Caesars, maybe don't do that. Little Caesars, going inside it's a bullshit. Maybe don't do that. Maybe don't do that. You don't have money. Going inside against a bullshit. Maybe don't do that. You don't have any money. When inside I got some bullshit, maybe don't do that. You don't have any money. Apple bill, maybe don't do that. You don't have any money. Have you ever considered that? That's an interesting solution. Phone. Give! Now! Oh no. If you're looking for all the subscriptions, it's probably going to be on my phone. Give! Okay, Crunchyroll, Apple

Starting point is 01:26:16 one, and not Hammer Lee, you got just the thank you here, which doesn't really make sense. Yeah, Hammer Leath's toward the good one is. Three premium shows posted every single day, Monday, Tuesday, Wednesday, Thursday, Thursday. I don't pay for it my... I know, but the value for the money, it's the best there is. That's why it's number one. She's paying for Gmail,

Starting point is 01:26:32 and ICloud and Canva. What the fuck you paying for Canva selling vapes? All of the wedding stuff, I've been doing it, like... Yeah, we can really afford a wedding $10 in savings. Zero dollars. in this one? Yeah. I think I only keep $10 in there.

Starting point is 01:26:47 You owe money to cash shop. Your account's negative of $241? Yes. That's been negative for a while. Why? Same thing with my credit card. I borrowed the money and then I... I buy the money.

Starting point is 01:27:00 Borrowed and then didn't want to pay... I buy the money I borrowed? What? I borrowed the money from cash shop and the cash shop borrow thing and then kept forgetting to pay it back and or just not paid it back. How's bad dad do you guys think you have?

Starting point is 01:27:16 15 to 20? I feel like mine's around like 3 to 4K, personally. The household moron. Oh. You're getting married in a couple months. I'd say like 10? Okay, 22,000. Oh, that's probably with my friend's car in there as well.

Starting point is 01:27:36 Is it? Yeah, got a friend with the car. One, tell me. I helped him get a car a few years back, and he's supposed to be making the payments on it. You borrowed it, though? No. No, I was this, I was one of the signers.

Starting point is 01:27:48 No, you co-signed on your friend's car? He was the main signer. I've learned my lesson. Have you? Yes, I will never do that again. But he crashed it. I guess the insurance didn't pay out all of it, so it still owed a few grand on it,

Starting point is 01:28:03 and he still hasn't paid back. And I'm not going to pay it back this for him. Are you still friends with him? Yes. This is the same friend that I'm like mildly convinced gave our dog ball cancer. Okay, you guys are just pathetic. Yeah.

Starting point is 01:28:15 In life. I'm so fucking done. Your debt minimum fee payments, $586.991 cents. $5,500 comes in, maybe. I don't know. Your income's going to zero, so I don't... I don't... What's your rent?

Starting point is 01:28:27 $1,100. I'm going to call this friend in the post show, and I'm going to f***le at him. Okay, give me the... Good luck. I'm good at yelling. Give me the gas, electric water. All the utilities plus internet. How much? $5.50.

Starting point is 01:28:43 phone bell normally right at $500, $4.96 or something. And you pay for all? They don't give you anything? No, so they will, my dad, he pays late. He will pay like three or four weeks late. Like he just paid me now. Okay, he's off. He's done.

Starting point is 01:29:01 Get your own phone bill. We're doing healing. Do you guys own your phones or are they payment plans? Mine's still being paid off, I believe. Mine's about to be paid off. It's paid off. Okay, then we'll do $140 for phone plan. Yeah, and all my-

Starting point is 01:29:13 Shut the fuck. My brothers pay for this. Gas and broom, drive drive. Leave that phone plan. It's not an option. Like $2 to $300 a month. Both combined.

Starting point is 01:29:25 Okay, car insurance. That's $3.90 something because it just dropped from $4 to $300. Pretty brutal. $3.90. Okay, food, $600. Use the meal plan. She crashes every car.

Starting point is 01:29:38 I've been crushed in a while. TP fund, $150. Anything else need to survive? Makeup. Earth control. Whatever you need. All the good stuff. medical health care. Are they co-pays? Are there shit?

Starting point is 01:29:47 I'm still on my parents' insurance, so I... Okay, I'm putting in $200 for you to literally get the worst health insurance ever, but it will prevent you from going bankrupt. Let's do subscriptions. 40 bucks. Pets, we have one dog? Two. What's the other? Health and age? She's five. Just turned five. Health insurance for her, 50 bucks, pet insurance. How much for pet food?

Starting point is 01:30:10 $40 a week? For the big bag? It'd be about $1.1.1. 50-ish a month. They're about 30 to 40 bucks a bed. I don't know if you guys are in the world of being able to afford that, but we'll find out. Sometimes our dogs eat nicer than us. Our dogs are always fed. We might not be.

Starting point is 01:30:29 Shut the fuck up. You guys are going in and buying bullshit every day. That is the dumbest shit of every. I've actually gotten better. I don't buy it. Oh, have you gotten better? Yes. For the past few months, I have not really bought lunch.

Starting point is 01:30:40 Objectively, I have last month. Shut up. I'm so done with you. $4,256.991. I'm sorry if I'm being rude, but I literally have it. Shut up. I literally have it in front of me, asshole. You still stop in and get bullshit even if you pack lunch.

Starting point is 01:30:56 She makes it even worse. Okay, listen, with the flexibility and weird medical shit, I'm going to say there's a thousand left. And that's if you make your average of 55, which you just need to average out through the high and low months and save off for the low months. But even still, at least with that. So is your friend's car thing

Starting point is 01:31:14 in collections? Yes. Okay, which one is that? Sanitate? Santander? Santer, yes. Yes, because we're a global winning. When did that go to collections?

Starting point is 01:31:28 Last summer. Okay, you want to have that for the credit for almost a decade? No. He did tell me last week that when he gets his tax return, he's going to pay it off. Okay, I doubt he's going to get $7,000.

Starting point is 01:31:38 He has a child now. It'll help, but with someone? Yes. He's with somebody who has two other children. in as well. That tax return money is going to her with the child. He's not head of household. She makes more than him.

Starting point is 01:31:51 And it's her house. I'm going to minus that debt for now. Because if you focus on it, it'll be the last one because hopefully he grows up. But I have no hope in that. So bad debt, $14,724 with your, obviously $1,000 a month, takes 14 months, 15 months to pay off, then a fully funded emergency fund,

Starting point is 01:32:09 and then start investing because you guys obviously have nothing. It's all very basic stuff. The thing is, it's not complicated. You guys are just losers. You can't have conversations. You can't do anything. You can't talk to each other. You can't stand up.

Starting point is 01:32:19 You can't advocate for yourself. You're going to quit your job. You say nobody hired. Like, shut the fuck off. Shut the fuck off. You will have a thousand excuses why this will not happen. But it's one of the easiest things I've filmed in months. Easy as that.

Starting point is 01:32:29 I'm so fucking done. I am so fucking done. And sell the bus. Pay off the debt. I can never. Okay. Then fuck you. I don't give a shit.

Starting point is 01:32:37 I don't give a shit then. If you're not willing to sacrifice, I don't give a fuck about you then. Does that have to be a sacrifice? Yes. All right. I'm doing the Hammer Financial. Shut the fuck up. I'm doing the Hammer Financial Score.

Starting point is 01:32:46 I'm done with you, dude. You're not willing to sacrifice, die. It's making me money. Shut the fuck up. It'll make you more money, selling it, paying off the debt that have minimum fee payments. Dick. Hammer Financial Score,

Starting point is 01:33:01 spending in a budget, zero out of ten. They overspend by a few hundred bucks. Surprise you knows only that. Deck, collection, zero out of ten. Emergency fund. Zero out of ten. There's nothing in retirement. Nothing zero out of ten.

Starting point is 01:33:10 Real estate is zero out of ten. than honestly long while. Hammer Financial score 0.10 Gitchers and Caleb at Hammer.com. Join Hammer Elite, the best membership on YouTube for a reason for the post show. I'm gonna call this friend and I'm gonna talk to him.

Starting point is 01:33:24 Oh my, there is something crazy. Okay, fuck, okay, we gotta talk about Mexico. Oh no, God. What the f***. I'll see you guys there. No, we didn't. I had to bribe him to stay out of jail. How much did it cost to bribe a cop?

Starting point is 01:33:41 Oh my goodness. Dude, you could have got f***ed. Call them. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pin comment or description below. This is the best membership you'll ever join.

Starting point is 01:34:02 That's a promise. Spotify, it's Jay Shetty. Are you one of those media strategy people? Scrolling through spreadsheets, searching for an audience that pays twice as much attention to your ads than they do on social, let me introduce you to fans, and they're here with me on Spotify. Trust me, I know fans. They don't skip, they stay for hours.

Starting point is 01:34:26 They don't move on, they manifest. They're not a demographic group, they're fans. Spotify Advertising. You're among fans.

Financial Audit - $160,000 Of Weed Debt | Financial Audit

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