Financial Audit - Financial Audit’s Biggest Gold Digger

Episode Date: August 31, 2026

Your data is being sold right now. My sponsor Aura will find the brokers selling it and remove you automatically. Try 14 days for free: https://aura.com/hammer *I GO THROUGH HIS PHONE* and he's talking to a lottttttt of women, and sending very sketchy messages to them... Watch post show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= *Caleb Hammer Financial Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/network/hammer-media/auto-insurance/search 👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore ============================= 🔥 MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB - https://hamr.link/calebdrank 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= Thank you to Mint Mobile for partnering with us on this video! Shop plans starting at 15 bucks a month at https://www.mintmobile.com/hammer. Upfront payment of $45 for 3-month 5 gigabyte plan required (equivalent to $15/mo.). New customer offer for first 3 months Limited time offer. Upfront payment of: $45 for 3-mo., $90 for 6-mo., or $180 for 12-mo. plan req’d ($15/mo. equiv.). Taxes & fees extra. Initial plan term only. Greater than 50GB may slow when network is busy. Capable device req'd. Availability, speed & coverage varies. See mintmobile.com Taking care of your health just got easier – start here with Zocdoc: https://zocdoc.com/caleb #sponsored 👕 Update your wardrobe today with Quince: https://www.quince.com/shop/our-core-collection?utm_source=veritone&utm_medium=podcast&utm_campaign=caleb If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://calebhammer.com/master-your-debt ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:24 Jobs & Income 06:55 shoutout david ramsey!! 13:25 fun fact, he doesnt know his numbers lool 16:30 how did this turn into a race thing 19:39 sounds like a gold digger... 24:20 bro didnt even cheat on her the right way.. a CONDOM??? 28:24 the double standard here is craaaaazy 34:50 not allowing him to do this.. is having trust issues 39:00 shes for the streets... 49:13 how did this turn into a gender thing 58:25 no matter what buddy does it is just not good enough 01:06:10 average candance owens enjoyer!! 01:15:30 thats a pretty big if LMFAO 01:31:15 bro bought a porsche "for his child" 01:37:31 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *Connect with me!* ============================= stan.store/calebhammer ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

Two and five Canadians will hear the words, you have cancer. That's why every step and dollar raised matters. On September 19th, join thousands in Toronto for the Princess Margaret Cancer Foundation Walk. Challenge yourself, friends, and family to walk 21 kilometers in support of life-saving research. Together, we can carry the fire and help create a world free from the fear of cancer. Register today at pmcfwalk.ca. To watch episodes of financial audit a week earlier, check us out on YouTube. Up until a year ago, he was kind of still on the edge about, like, being the provider and me, like, staying at home and spending the money.

Two months in, that's kind of crazy. It was crazy. That's a fucking crazy. That's a gold digger. As a man who's trying to court you, no, I don't think that I should be. What the fuck are you? I'm like, okay, so you're just using this guy for his money, and he, you made it clear that he had no chance, but you had no problem taking his money. And I'm like, okay, so how am I going to be any different?

You were telling the producers in the whole onboarding process that you love the finer things and that guys provide those things for you. The other wise is finally here. Sending waves through the personal finance world. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download. Get a free trial to test it out. And then you get the monthly plan at a 33% discount for the first three months or the annual plan at an insane discount.

And most people sign up for the annual version because it saves a lot of money and you get my detailed 30-day meal plan signed by me mailed directly. to you plus the digital version of my cookbook for each recipe. Don't miss the opportunity of a lifetime. Download Dollar Wise and start your free trial. Go to dollowise.com or click the link below. I want you to be on the next episode of Financial Audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin,

get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to Calebhammer.com slash apply or click that link in the description below. Hey, I'm Katie. I'm 24 years old. I'm Michael. I'm 30 years old. We live in Austin, Texas. And this is financial audit. Locals. I love it. What do you do here, Katie, for a living in Austin? I'm a stay-at-home mom. Oh, you sure are. I did see a two-month-old child out there. Very nice. Congratulations. Congratulations. How long have you guys? Are you guys married? We're not legally married, but we're... Maybe some common law. Why are you in pregnancy? She gets children, we're married. Huh?

We're married. Okay, but... Well, technically engaged, but not like... Not federally married. Okay, technically engaged, but not like... You're not married. Yeah. Why impregnated a ho before...

Well, I didn't impregnate a ho. She's not a ho. I got her pregnant because I knew I was going to marry her, so... Maybe we complete that step for the sake of the child. Not necessarily. Not necessarily? No, no, no, no, no, because there's definitely benefits to not being married. Okay, did it give you herpes?

too? Alongside of that? I burnt my lip. I burnt my lip. You burnt your lip. Yes. I burned my lip on hot coffee. Yes. Who wants coffee? Did anybody want coffee? Who wants coffee? Usually when coffee is hot, I'm not like less

just like go. You drink a lot of coffee? Yes. Oh, I thought you drank gamer subs. I drink gamer subs for energy drinks or the caffeine-free version. Thank you. But yes, I drink coffee like a normal person. And I've never burned my lips. Because when hot, I like coffee, so I wouldn't know.

And when hot coffee is hot, I don't... Well, at least mine's a burn. I don't know what yours are. Your's... Acne. Yeah. Acne on your lip. Yes. I have acne.

Agony usually comes from like a pore, right? Well, this is mostly fat and fat, or we eat a lot of greasy food in her favorite ham or elite show. But you, unfortunately, are too... To not know to put your lip on a hot liquid. Yeah. But Michael, hopefully you're not too... To have a good pain job. I'm not fat, though.

I'm not fat, though. I'm not fat, he has a six fat. Okay. It's all muscle. A better shirt then because that one unfortunately, it doesn't work. It doesn't work. I didn't want my nipples to show. Okay.

We wouldn't have complained. What do you do for a living in Austin? I probably would have liked it honestly. Yeah, probably. I do sales. We like sales. That's what I was doing before. That's why I do sales.

Yeah. Because I was doing it before? Yeah, I've been watching for a while. Yeah, I used to be like. I have a super fan here? Not a super fan. Okay. If you're doing sales because I did sales.

No, because it was the... Stand up, show says six-pack. No. No. stand your f*** ass up, yes, absolutely. I'm gonna show you my six pack, but... He just wants you to take your shirt off. I know, he's...

Just gives you a new chair. Thank you, thank you very much. W. Mark Martinez. We love Mark Martinez. Thank you, Mark. Good. What do you sell? Pest control. So, yeah. You don't pass control. Okay, yeah, you guys are really...

No, you know, I'll be completely honest. I tell you guys to get away from my voice... Like, on my nest. I'm like, dude, stop it. And then you guys keep coming. It's really annoying. Well, so... How much you're making?

A lot. This year I should make like $200,000. That's really good. How many have you been doing this? I've been doing sales for like four years now. Yeah. Okay. Okay.

That's what I was saying. That's been that $200,000 every year? No. No, that's, it's... This will be the first year. I cleared $200,000. Last year it was like $120. Year before that, it was like $60.

Year before that it was like $30, $35. And how the fuck you... Why are we so confident on this 200 number? Because I'm a dog. I'm the best guy in the industry. I'm caught from a different cloth. I'm a different breed to most. They don't make men like me anymore. That's, it's just, I made 120 last year, 200,000. That's going to be... I mean, if you continue that same percentage of growth, but I feel like, I mean, at some point, this is...

Okay. Yeah. Well, we're like seven months of the year. What have you made this year? Let's start there. I think... Can I check? Well, yeah, you can check. I would... Usually sales guys kind of know their numbers. I think it's like 100,000. He's told me like it's like 120,000.

Then you might actually be on track, but we are in past season for what it's worth. Well, so I do specifically termites and rats. Oh shit. So rats are worse in the wintertime. In termites, I usually do mostly in the summertime. Well, good. So, 1002 gross, 80 net. Well done.

Are you contractor or are you getting? I'm W2. Okay, good. So what is hitting your account on? average monthly basis. On average this year, it's 12,500 roughly. That's really good. What is not really good is how is someone making that amount of money who just brought a kid into the world? Yeah. On this show with this much paperwork. Well, there's no credit card debt. Are you sure about that? Doesn't matter. Credit card debt doesn't equal like, okay, I don't have credit card debt, so I'm in a good

position. You have this much paperwork and you are accepted on financial audit. Here's a fun fact, buddy, you're not doing well, even if this isn't credit card. Wait, I just saw a credit card. No, you did. Oh, no, I saw CarMax, even worse. Okay, so you're going to brag about that? Well, you think you're better than other guests on this show? No, no, no, no, no.

My spending is probably the worst. It's going to be the most heinous spending that you've got to see in the show. So why is someone making that much money on this show of which is... That's what I was trying to explain. It's a lot of debt, though, buddy. It is a lot of debt regardless of it's credit card. It's not just you spend money. What are we doing?

So basically, I've been a fan of like, you know, you, Dave Ramsey, the money guys. The whole thing is... Money guy, if you're a real OG. Sorry, sorry. But the whole policy is get your money up. It was get your money up and then start paying off. Is that what I said?

The first step. Excuse me. Is that what I said? Have I ever said that? Get you money up? Is those what you do? I think the first step is actually budget the money you have. Well, if you don't have money, how can you budget?

Well, yeah. You had money. You have the budget. No, I barely had money. I barely had money. Let's say you made $100,000. Yeah. That was the first year I made that much money.

Yeah, but even the year before that, what were you? You said like 60 or 70? I didn't know that much. 50, 60, 70s? Something like that? It was like the year before there was like 60. You can budget that. Yes, you can.

And she probably had her job before you had the kid, right? I did, yeah. I was a nanny. Yeah, okay, so she made money. You guys were able to budget money. Yes, getting the income up is good, but clearly, as you said, you immediately have spent a lot more money. So that's not obviously the only solution.

That's why we budget before we make more money so that when we make more money, we don't immediately start spending all our fucking money. We only make more money. Because that's what always happens. Money guy would agree. Ram's going to agree. That's what happened. You didn't listen.

You don't know what you're talking about. You're not the super fan. I had to get money to be able to pay off debt. You can't pay off debt if when you make more money, you didn't control your behavior in the first place. So when you make more money, you didn't know you're making more money. Well, that's why hey, when you actually budget being the first step, then you actually know you make more money. So that's the fun fact. Instead of making more money first, if you budget, you actually know you make more money.

That's why budgeting is the first step. So you're wrong. We did that. We did that. that that's why we're on the show because we budgeted. We saw how much money we spent. You didn't budget if you were budgeting. We didn't. We didn't. We've been budgeting since May. Okay, that's great. How much did you spend going out to eat last month? Last month on those statements, it probably is like $700. Probably just about actually. Yeah. How much did you guys

spend last month making money? You budget. How much you make? How much do you spend? How much did I spend? How much did I spend? What was the outflow? Budget. I budget. $20,000. $20,000. $20,000. $2,000. $2,000. $0.52. You're not budgeting. If you're budgeting, you know that number. When I budgeted I know my number. I knew it was 20s. I thought it was 22. You know it was in the 20s. 20s is in the big range between 20 and 30. I thought it was 20. You can't tell me your budgeting if I don't have the number. I do have the number. You didn't have the number. When actually we just went over the number, you didn't have the number. You didn't have the number. You just told me the wrong. Did he tell me the right number? He said 20. 20. He said 22. It was 24, 5. I thought

it was 22. Yes. That's actually a big difference. We did the, we did the when you're talking about 20,000 dollars in a month, $2,000 is a small discrepancy. It's actually really big for you when you are in debt and you guys are not providing a better life for your kid already. Oh, we are providing a better life for our kid already. What better life? You're not making any change. There's no progress here. What are you talking about? What do you mean? She was, uh, she was- You don't know your numbers. She was born at home because we, we had enough money to be able to have her born at home. Okay, you didn't even have to do that. Who cares? We did have to do that. Yeah, what do you mean? We didn't have to do that.

You didn't have to have her born at home. What do you mean? Final notice. Suspicious activity. Random spam call. This is exactly the garbage I'm talking about. And why this part of the video is sponsored by ORA. Somewhere along the way, you gave your info to a company you trusted. They sold it to a data broker, or they got breached and now your data is floating around getting passed between scammers and creeps. And then months later, you get some pathetic little we take your privacy seriously email. Cool. Very helpful. Ora is how you start fighting back. They automatically opt you out of data broker sites, monitor the dark web, watch your bank and credit accounts for fraud. And they also include antivirus, a VPN, and a passive.

If the worst happens, ORA includes up to $5 million in identity theft insurance. What I like is that they're a U.S.-based company whose business is protecting your info, not selling it. Your personal information is encrypted and ORA doesn't sell your personal information. Plus, they monitor 41% more dark web categories than the next leading competitor. Your data is being sold right now while you're watching this. ORA can help make you safer online and cut down on the spam you get. Try 14 days for free at aura.com slash hammer.

Links on screen in the description and pin comment below. All right. Back to the disaster. Why did we not have to do that? Have to. Yeah. Why would like- Have to?

You don't have to. You don't necessarily have to. That's what I just said. And then you said you had to. No, I didn't say like we had to. You just asked why didn't you have to? No, you don't have to. You can.

That's great if you want to. You don't have to. But that's what I'm saying. We did that to give her a better life. That's why you asked that question. What provides a better life of that for the kid? I think it was a nicer experience for you guys. Right. What was the better life for the newborn?

Right? So like if you have a birthing woman, I'm not going to say person. If you have somebody who's giving, she's really- Why not person? She's sensitive about that. You can't say birthing person. Because the people that give birth are women. Birthing person is not, no. We don't do that. It's a woman, woman. Women give birth. The whole point was to have her.

Where did that come from? Who's saying person? A lot of people say birthing person. Did he do it and you cooked them? No, she texted me just yesterday and was like, oh, somebody said like... Yeah, mens, like, I was watching actually one of your videos, and there was a mytel, middle ad on it, and it said something like menstruating person. Too poor for YouTube premium. Okay. I pay for it. She uses my account. We're not too poor for it.

I'm an elite member. They said menstruating person, and I'm like, that's crazy. But yeah, he has said birthing person before. He knew that would trigger you. No, yeah, it did. And I told him to never say that to me again because it's women. Women give birth. I mean, yeah, women give birth.

I don't know. Is that? Yeah. Yeah, he said that to me before. I just said it as like a, like she's a person, right? Like women are people. Yeah. You know what I mean?

They're not animals. I think so as far as I know. But either way. The whole context behind it like right now in our society is what bothers me. But to go back to your question, we needed her in the most comfortable place possible so our daughter could be born in the best situation possible. And that was deemed to be a best. What's the benefit of the actual newborn? I'm curious.

Maybe there is. Maybe I'm uninformed on this. The benefit of the new one? You're saying for the sake of the kid. Yeah. It sounds like you guys had a better experience, which I'm down for. Yeah. So if the mother's not stressed, if the mother's not stressed, that leads to a healthier birth altogether.

Okay. Well, I mean, how much money do you have to spend on that? Again, you guys don't know how much debt do you have? What's your total debt number? Total debt? You know our numbers. It's like 80,000 something thousand? Yeah, 108,000, 38,000, what the fuck you're talking about?

You don't know your numbers. Tell me, you know your numbers. Okay. So they You don't know You don't know There was that added to Here's our budgeting king

There was that added to Then you would know your number I forgot about it I forgot about the number I just forgot about the number I just this weekend That you're the money guys I am

I thought all of these numbers Were less than what they actually are Why did you think That help me Because he tells me Like he's like I don't think I don't think I don't think

I don't think I'd Well clearly it's not informed Based on the conversation We sit down once a month And we go line by line On all of our accounts And how are you Fing up so bad

I don't think We're f*** that bad There was You are on financial audit, we would not accept you if you weren't. I don't think we're fucking up that bad. I don't think we're that bad. That makes no sense. Well, good news. The guy

who's overspending, your entire household doesn't think you're fucking up that bad. Good news for you. I didn't think we were like fucking up so bad either. Because like he has He didn't. He says he doesn't. You didn't. Now you learn. Well, we took the financial score and we

got a six. Does you own a house? We don't own a house. How did you get a six? I don't know. When did you take it? Because we're not doing that bad. When did it? It was after we did our first budget. When was that? I don't know. In May, we've revamped it since then. I would take it again. It was still a six, though. No, I would take it like today.

I think it would probably give us like a three or four if we took it today. I think on average with like your normal guests, we're a little bit better. We're definitely better than most of your guests. How so? Well, we make more money. We're not. we're not that's true

we're not have time on your side that's crazy statement what does that mean? What do you mean not yet? I was going to say what's the people that touch the kids the most usually they wear that that's crazy

that is insane don't blasphemy my god like that that's crazy I'm a believer myself but come on Catholic priests they love to get in there that's a myth that's a myth that's a myth that's actually true that's very true

no that's true but that's what like every religion I'm not Catholic so I don't know stuff like that though. Oh yeah. Have you seen the Muslims? They love their child brides. It's not.

But I mean, that one, they're also all but also that was just a joke. Yeah, sure. Real funny. I laughed inside. Wait till you find out what I actually am. Black. Jewish.

Your hair is curly. Yeah. He's very proud of that too. I'm 37%. Why are you wearing Christian wear? You're Jewish, right? No. You don't have any Jewish heritage?

No. It surprises people to be. No, this is a perm. Interesting. Yeah. Like, you don't have any Jewish lineage in your family at all? Not according to no one in my family and not according to like my ancestry DNA. Oh, really?

You did ancestors and it didn't come back. That's what I did mine on. So, I mean, that I wasn't raised Jewish or, you know. We got some British Protestant in there. Real way. Lots of native. Interesting. Well, 25% native.

Yeah, 37% Jewish. Don't care. Still don't. still don't care. I don't care. What was I? Because I took the test too. Okay, no one actually gives a fuck. I'm going to be honest. Just a fun fact. Literally no one out there cares.

So, if you guys... They do care. They care if you're black. They care if you're black. No one cares that you're black. They do care if you're black. No, they care if you're trashy. Same with you're white. But no one actually gives a... Yeah, I'm sure a couple French freaks care. But who gives a fuck?

Okay? As long as you just like behave like a normal person. No one really gives a shit. By normal, I just mean like, just don't be tragic. You just refer to it. You refer to them as your black employees. Yeah, when I make a joke and then rather freaks out, but that's what it does. You're a fucking reddy-a-old, a little pussy bitch.

People care when you're black. What do you mean? Huh? People care when you're black. Everybody. Everybody cares when you're black. You care that he's black? I like that he's black.

Yeah, big dick. Okay. Yeah, I got that part. Yeah. How about loving and respectful? I'm sure. I don't think everyone. does. We were headed towards a nice colorblind society.

Then people started freaking out. Thanks, Obama. I'm just kidding. Oh, okay. I don't know. I was thinking more like the fucking... That's the black lives matter thing. That was when the whole black lives matter and racism came a thing, you know, so... What does that have to do with how you guys don't budget correctly? I'm confused. Well, you said we were going towards a whole colorblind society, so...

No, that's not how we got on the topic. Yeah, how do we get on the topic? I think we were talking about the birth situation. No, I'm just like, if you're, if you're, You guys sit down every month. How are your numbers wrong? I don't, I just... We just started budgeting, though.

Like, we just started budgeting in May. A few months ago. Yeah, that's two months. So if we're sitting down now, how are your numbers wrong? Because you're budgeting. Well, we did get a car this past weekend. So, if you would know your numbers. Well, I don't need to know my numbers.

I'm not sure why they're wrong. Well, he tells you the numbers. You would know the numbers. Well, yeah, I was... She looks at the numbers, too. So you guys don't know the numbers? I'm going by... I'm going by...

what he's telling me. You guys have better numbers than I guess we calculated. Yes, we used the calculator. Well, so did we. So did we. So did we. We went line by line on everything. On every statement that we had, we went line by line.

I mean, we have the last three. We went through every transaction. More than you made and your debt is tens of thousands of dollars higher than he thought. That's not just like an oops. No, the debt I didn't realize was that high. I don't know why. No shit. That's what I'm saying. You don't know your numbers. So how many have you guys been together?

Two years. Okay. Okay. When's the marriage? We want to do it next year, but we want to do it. So not planned. Okay. We want to do it out of the country. So that's why we want to budget for that.

Why? Because it's cheaper and it's nicer. Yeah. To travel? Yeah. I guess if everyone else is paying for their own things. Okay. So what is your role in the finances of this household?

Well, he basically brings in the money And he just lets me know Which you did until like having birth, by the way You also contributed I assume The money that I made was my money Well, it was our money But I didn't spend the money that I was working for

So she would only, she would basically only work To have money to spend Like since we met I've taken care of all of like the bills, the rent I have contributed like a handful of times There's been a few times, sure But for the majority of the situation Yeah, he has taken care of it.

She does not go for 50-50 relationships. That was like a big thing at the beginning of our relationship. She did not want to be 50-50 as far as finances go. She wasn't going to go for that. Okay, that's fine. But if you guys are on the same page, I don't really care. We weren't. But I kind of made him.

You're okay with it? I mean, yeah, we've evolved into something that makes sense now. But at first I wasn't. Like we were like two or three months dating. and I was like, yo, we should split some things. You know what I mean? And she was like, no, if that's the case, I don't want to be with you. Yeah.

Okay, do you have access to his account, which I think is the main account now? There's transparency when it comes to, like, what he spends on and what I spend on. I don't, like, have... How do you get the money? He sends it the money, so it's like an allowance. Why don't we have, like, a joint account? That's weird. So...

Like, you don't want to be 50-50. I'm fine with that. So let's get into a joint. already have a kid, you know you're going to get married. You already rushed that step. May I as well just go all the way. Yeah, there's a common law. There's a few reasons. We don't have a joint account. And that's one reason being is because we don't want to have all of our money in one place. If there was like an issue with like somebody getting hacked, like one of my friends, he got hacked recently and like somebody stole like $50,000 out of his account. So it's like,

I don't want to have all my money in one account. Also, I'm saying that, but have a joint account where the spending's coming from. Right. That is what happens right now. So all of our bills, all of our spending's coming. Okay. So you do have access to the account. Well, she doesn't have like the login to my PNC, but like we sit down. I have my own bank accounts and he sends me money. Exactly. So I send a joint account. You send her money. Why isn't there a joint account with the spending is on? He just said that's what happens. And then she's

like, no, he sends me money. So it's a complete disconnect. So we both have a PNC account. We both have a Chime account. Great. Why don't you have a joint account where the money's going in and out of? That's what we have. Because only I made money. She just said you send her money though. I do. Yeah. What are you not understanding? She has

her own spending account. And she has her own savings account. But do you have access to the joint? No. Then how is it a joint? Because what does she need access to it for? It's not a joint if she doesn't have access. All of our bills come out of that account.

But it's not joint. Well, yeah, technically I don't have access to it. She knows my login information. Like she can log in if she wants to. Oh, so she has access. Yes, if she wants to login. But you just said she didn't have access. She does have access.

She doesn't like log in on her. on my phone. Like, if I wanted to check the his bank account, I think... But you could get in if you wanted. Yeah, yeah, yeah, yeah, yeah. That's different. Okay. Like, if she was like, can I check your bank account right now,

she can take my phone and she has all the login information. It's just the spending account is on my phone. Okay, and why do you want your own account specifically? Separate. I think it's more like a security thing for me. Well, it's the security. You guys already have a kid. I understand that.

But like in like a year ago or two, our relationship was like super rocky. So like I wanted to. I thought you said two years. Yeah. Like we just like our relationship. So you guys fucking met and it was rocky? We met. And like on our fourth date we like I moved in with him basically.

I moved into his mom's house. It was the best. It was. It worked out. It was rough. It worked out. Yeah. It was rough.

Okay. Well, I understand that beat a bit. Rocky at the beginning but why was it Rocky a year ago? I'm trusting enough to have a fucking account with him to have your own. Yeah, what was it Rocky a year ago? We were just arguing a lot

and there was like a lot of about like finances because like up until a year ago he was kind of still on the edge about like being the provider and me like staying at home and spending the money and there was also like

some infidelity happening a year ago. Dude, what is it with everyone in infidelity? Just either open up the relationship or leave. Why are we, who infideled? Well, you look more like someone who would scream infidel. What? Look, look more like what?

I already said it. Someone who would cheat? As it was a U. So there's, it was, yeah, I was at a bachelor party. I was in Columbia, South America. And we went to a strip club. And there was, yeah, there was some extra-curecular team. So.

The stripper or the strip club? No, I didn't. No. No, he didn't. I thought you said he cheated. He got a blowjob from a street. Oh, that would be a cheating. Yeah.

She blew you in the strip club? Yeah. Not afraid of AIDS? No, it was, there was a condom. There was a condom. Blowjob with a condom on. I thought the same thing. I thought the same thing, but he did, I did make him go get tested.

Fair enough. Dude, you're with her. You guys aren't. Were you open? No. You guys weren't open? Why are you getting a blow job from a shit? What are we doing?

Are you, look at you? your cross, two crosses, double crossed. You're double crossed. And you're getting a blowjob from a street. Yeah, so that was a, that was a, that was a bad time. Oh, was it? Yeah, why did you get a blowjob from a street? We'd answer that. I, um, you know, that would create trust issues, uh, on my end as well. So I understand that's, I was at a bachelor party. There was a lot of thing. That's wonderful. There were a lot of, um, there's a lot of alcohol. There was a lot of other things that you get in Columbia, South America that you were snored in. I don't know. I can't confirm or deny that. Of course. So why does that equal you getting a blow job? I'm confused. Are you paying more than

15 bucks a month for your cell plan? 100, 150, 200 dollars? Congrats. You're paying a vanity tax. Mint Mobile has everything the big carriers have except the upcharge. And right now, they're offering you an unlimited everything for just $15 a month. Any plan with 5G that covers 98% of Americans. Worried about a nasty breakup, you can make the switch online. No store, no salesperson, no awkward silence. Bring your unlocked phone and keep your number. Their seven-day money-back guarantee means there is zero risk. Stop over paying for wireless just because that's how it's always been. Switch to Mint and get three, six or 12 months of premium wireless for $15 per month. That's any plan, even unlimited. Shop plans at mintmobile.com slash hammer. Now back to the disaster.

at hand. I was just bad decisions. Black, you know, blacked out in the strip club and made bad decisions. So, I mean, we've all been... Well, so what happened then? How'd you find out? Well, like, what the... So, um, he went to The Bachelor in Columbia and basically before he left, I had the conversation with him and I'm like, I'm okay with you, like having fun. I want you to have fun. Just don't, like, go out, like, um, at night. Just like go bar hopping, have a drink. Just like, You're good with the snort? I was not. I didn't know he was doing that until, like, I was working at that time, and he wasn't answering the phone.

But a good religious man. And he basically, he was texting me. I wasn't at the time. I actually was not at all at the time. Big convert this year. He, like, texted me. She was last year. And I was like, why aren't you answering the phone?

He was basically like, yeah, you can't believe it. Like, there was just a bunch of crazy stuff happening. And I'm like, well, okay, I'm not really like, okay with that. But I guess if you're having fun, then that's fine. But then that day, other stuff happened, which was the stripper thing. And he didn't tell me that over the phone. He waited until he got home and he, like, opened up about it. He was like, hey, I don't feel good about this.

I just want to, like, come clean and be honest with you. The day I came back from the trip. So it wasn't, there was no like. And what happened? I Like at first Like it was a shock to me because like Before I met him

I was like I had zero trust in men Because like I didn't grow up with a father I've been in abusive relationships before So like I was like yeah all men are the same Until This was actually a pool accident when I was younger Self abuse But yeah so

basically when I met him he like kind of changed my perspective so when that happened I was like oh well this freaking sucks and it took a lot of wait that's not what I come on they just type me what happened what do you mean you argue about the striptor and you hit him did I hit him she did hit me yes she did hit me I mean deserved oh we talked about it and you know it resolved she bam well deserved I'm not well deserved well I yeah okay what if a what what if a man did that to a woman, would you say the same thing? I do not condone violence. But he just said it was deserved.

But he had a, he got a blowjraft from a stripper. Usually we like leave someone, take a break or, I don't know. He got a blowjure from a stripper. What, on our first year anniversary, mind you, hold on. If she took a dude's dick, if she blew a dude with a condom on, sure, and you punched her, would that be deserved? Would it be deserved? Punching or not.

Okay, yeah, exactly. He probably wouldn't hit me, though. The double standard is crazy. You probably would. You probably would. have. You're crazy. When have I ever given you any inclination that I would put my hands on you? Well, and at the beginning of our relationship, you have like gone in my face. And that's why I hit him because he does, he does scream in my face. Please flush that out.

Yeah, please flush that out. What are you talking about? I would get in your face. I've given you any inclination I'll put my hands on you. At the beginning, yeah. That's crazy. Because we'd get, we'd get into screaming matches and he would get in my face. And like I said, I have like at the beginning I was like, I've been in this situation before. Like, how close? He would get, like, really close. And it was just yelling? Yeah.

About what? We would just argue about stupid shit, and then he would, like, get all fed up. In your face, that's scary. So, no, there's one situation. There's one in particular situation she's talking about. We were sitting in the car. So I'm in the driver's seat. She's in the passenger seat.

That's as close as we were to each other. So pretty much, like, how we're sitting across from each other at the table. And we got, we started to fight. We were screaming at each other. And I did something like this with my arm. I like put my arm up and she basically was like, don't put your fist in my face. And I was like, I didn't put my fist in her face. I literally talk with my hands.

Like I do this a lot of guys. Yeah, but she's been abused in the past. I guess is something. I don't know. Yeah. I don't want to talk about other women's past. You know what I'm saying? Other women's past?

Yeah. She's not other women. She's just, I mean in general, you don't talk about their past. That's, that's her business. You know what I mean? I talk about everything. I'm just when I do this, if I talk like this, would you think,

think that I'm going to hit you. If you're right here, I'd be a little nervous. Right, but right here. Especially if I've been hit in the past. That's not the case. That's not the case. Well, it, you're playing it up right now because that's crazy. I don't, I don't think so.

Because, like, I, I've actually told you, like, when I hit you, that sounds. Double standard. That's what I'm saying. Have I ever hit you? No, you haven't hit me. How many times have you hit him? How many times have you hit him? How many times have I hit you?

Like, two or three times. Like what kind? Straight punched me in the face. That is not a punch. No. I'm a small. I swear in everything. I would not punch him.

I slapped him. I did slap him. That's a thing. No. Yeah, it's not a punch though. You're my girl that have gotten in an argument. I've never gotten in her face and she's never hit me.

She's closed fist me two or three times. That's insane. That is not true. That is true. Hey, just because you've had bad relationships and know how to throw. I don't know how to. You can do this without knowing how to.

She can actually throw. I've slapped him. I've slapped him. And I will own up to that. Rose said you close fist. I believe him. I believe you that he got in your face. She closed fist me twice.

She closed fist me twice. and maybe slap me once, but I know she closed-fist me twice, at least. That's crazy. That is a double standard. Just because you had bad situations in the past, doesn't mean you get to punch someone. But I was really hurt.

I mean... So, and then he was physically hurt. Flip this. If a guy said that same thing. I understand that. I understand that, but, like, also, he has gone in my face. And, like, I'm trying to defend myself from a huge black dude.

We're saying it's a defense. Hold. Two and five Canadians will hear the words, you have cancer. That's why every step and dollar raised matters. On September 19th, join thousands in Toronto for the Princess Margaret Cancer Foundation Walk. Challenge yourself, friends, and family to walk 21 kilometers in support of life-saving research. Together, we can carry the fire and help create a world free from the fear of cancer.

Register today at pmcfwalk.ca. Why is it black guys? Did you say this? He's... He's intimidating. That's crazy. Because he's black? Because he's big.

You said big black dude. That's crazy. Is he not black? He is, but why was that even a part of why you're intimidated? Because he, I don't know. He's just big. Is he statistically more likely to hit your, you say? I did not say that.

I mean, you said that. Numbers, numbers. I'm just saying there's only one person in this relationship that's gotten. Yeah, very true. And it happens to be a black man. you are a minority beater. She's Latina, so I mean, I knew what I was walking into. Yeah, about 50% of the world is these days, I swear.

That's true. At least my company's like 90%. So that means nothing. You just look like America now. That's very true. Really? Our daughter is the most American, you know, a little bit of everything. She's beautiful.

Okay, so you punched men. But, okay, how did it get resolved, though? Because, yes, I understand if you went trust issues, you open this bank account. That makes sense. Yeah. I mean, I kind of get that. So she had her own bank account. when we met. And then basically, there was a lot of discussions about 50-50. And my whole thing was

especially after the infidelity, I wanted to make sure that she felt secure in the ability to leave whenever she wanted. So it was important to make sure that she had enough money to be able to leave. If she wanted to leave, that way, it was never a situation of, oh, I'm trapped here, whatever, stuck. I can't leave. You know what I mean? Yeah, I do get that. So, okay, the shooting happened, you hit him. But then what? Over the course of the next days, weeks, like, how is this resolved? I'm curious. That is egregious. Yeah, it was very, it was tough.

We, you know, I obviously admitted to my wrongs. I was like, you know, I want to go to therapy. I'll do whatever this takes. And I knew, though. It was really hard. Yeah. I mean, well, he was when the show. Two and five Canadians will hear the words, you have cancer. That's why every step and dollar raised matters.

On September 19th, join thousands in Toronto for the Princess Margaret Cancer Foundation Walk. Challenge yourself, friends, and family to walk 21 kilometers in support of life-saving research. Together, we can carry the fire and help create a world free from the fear of cancer. Register today at pmcf walk.ca.ca. Full lip at them. Yeah. It was really hard. there was a lot of trust issues

it really did mess with my mental health too again because of my past relationships yeah but I'm just talking about y'all's relationship like when did it get when did it get to normal? Do you trust him today? I do okay when did you get that back? I think when it's impressive

it went away like probably like a year after that that would be like now well no technically not because Because, well... It was like a year ago, you said. We met in 2024. And that happened...

Wait, when did that happen? No, no, you said like a year ago. It was okay, fine. Maybe it's a year and a half. Yeah. But either way, what if he needs to go on... What if he's on another bachelor trip? He's not going.

You're just not allowed to go on bachelor trips. No best friends. No bachelor trips. That was one of the... So you do not trust him? I don't think it's a trust thing. I think it's more of like a respect thing. I think it's more of like a respect thing.

Well, it would be a respect. You're respectful for him to just not do that next time he's on a bachelor trip. So you don't trust him to be able to go on a bachelor trip. You don't respect them. You don't trust him to go on another bachelor trip. I don't. Because a respectful thing would be him to show for his best boy, you know? Well, his best boy already got married.

He doesn't have a- He gets another one throughout his life. He's young. He's, no, he's not going. Okay, so you don't trust him. If there were to be a situation like that, I think it would be more, like, there's just, If he wants to go abroad for a bachelor, I would go with him. Does it even have to...

Well, that's crazy. No, no. Yes. So you don't trust him? I do trust him. No, you don't... That's not trusted. Can he go to a strip club with his boys tonight?

No. Then you don't trust him. He's not going... I wouldn't go to a strip club. I get that. That wasn't the question. If he were to ask me if he can go to a strip club, no. And if that...

Why? What's the answer? What's the why? Because he... Had it a strip club? Yeah. So you don't trust him? Okay, fine, I don't.

There you go. In that area, I don't. Which is fair. I'm not even saying that's not fair. But when you say you fully trust him now, clearly not. I didn't say I trust him. I said that. No, I didn't.

You said you trust him. I do. There's different levels of trust. Like, if he's not going to another bachelor trip, that doesn't mean that, like. Well, you never did. Okay, so on the show, like, historically, we've had people do, like, revenge. You didn't revenge cheat. She technically cheated first.

I didn't. Oh, first. Yeah, technically. Well, you cheat? Why is, why is everyone on the show? Technically. Before he tells his story, I did not have sex with anybody. Okay.

I did not give both of shit. You got a bull job. I did not do anything with anybody. He said technically? Technically didn't have sex with anybody. I did not have sex with anybody. He had, he got. You just soaking?

What? What? No, he said technically he didn't have sex. I didn't have sex. I didn't have sex with anybody. He had, he had physical contact with another person and a strip. Let me just put that there. A strip, which is gross.

And it's like, it was, yeah. So we, we'd been together for maybe two months at this point going on three. Oh, it was a while ago. Well, you did say she did it first. First, yeah. And the whole thing was is that at this point, she didn't want to be 50-50. She wanted me to financially support her, which I was doing everything to do that. And then-two months in, that's kind of crazy.

It was crazy. That's like gold digger. I don't think so. Two months in, that's wild. That is gold-digger level. As a man who's trying to court you. No. Two and five Canadians will hear the words, you have cancer.

That's why every step and dollar raised matters. On September 19th, join thousands in Toronto for the Princess Margaret Cancer Foundation Walk. Challenge yourself, friends, and family to walk 21 kilometers in support of life-saving research. Together, we can carry the fire and help create a world free from the fear of cancer. Register today at pmcf walk. I don't think that I should be... What the fuck are you? A man that you haven't...

What is your strategy when it comes to like dating women? You date? You get to know them. Once you're in a deep serious relationship, then we can have those conversations. You were two months in. No, I don't... But to be fair, you are not a high value woman.

You are a person. A birthing person. I've never said... To her credit, she moved out to Texas with me two months in. So like... We like, she had like... Well, you clearly think you're entitled to something two months in for them to completely take care of you? I think that men and women have...

It wasn't even just about insides. This is finance. To be fair. We're talking about our personal. We're not talking about finances right now. To be fair. We are when it comes to you expected him

to fully take care of you financially. I didn't expect him to fully take care of me. That's what he was to say. So she quit her job. She quit her job and she moved out to Texas with me. Yeah, get another job. Because he told me to.

And I did. Hold on, hold on. And then even when we were out in Texas, I was still taking care of her. She didn't have to pay for anything. Right? We are laying in bed one morning. She gets a phone call.

and she, like, looks really scared and she hangs up, and then they call right back. And I was like, I take the phone and I answer. I'm like, yo, who is this? And she's, like, looking really nervous and scared. And there's this dude. He's basically, like, cussing me out. It was like, tell her to give me my money back.

Money back. Yeah, tell her to give me that necklace back and, like, all this crazy stuff. And, you know, all the purses I bought her. And I was like, like, basically, I, you know, was told the dude to fuck off. And I was like, what is this? And she was like, oh, I don't know.

I don't know. and I was like... I told you. No, you didn't. Tell me at first. Yes, I did. No, you didn't. I had to dig it out of you.

And then basically, it was this guy that she was getting money from the entire time we had been dating for the past three months and he was like sending her money and buying her stuff. And like, yeah. So there was that situation.

And like, that was my... And you say you're not a gold digger. You're getting sugar-daddied. Did she send him nudes? No, she didn't allegedly do anything with this guy. She didn't allegedly. No.

Yeah, I don't know. Allegedly because, look, this is the whole situation. It's a while ago. That conversation doesn't exist anymore on your phone, does it? No, it doesn't. And I, it doesn't even, no, hold on, it doesn't even matter because the fact of the matter is, it doesn't, like, if she was doing something physically with him, that's one thing. But, like, she made it clear that she did not want to do anything with him and was just entirely leading him on and was just, was just using him for the money. And that is still cheating in a way.

Now, mind you, I'm like, okay, so you're just using this guy for his money and he, you made it clear that he had no chance. you had no problem taking his money. And I'm like, okay, so how am I going to be any different? Yeah, what I'm saying? And it sounds like it because you were two months in and she was demanding all the money. And here's the thing. She says she's not a gold diggers, but then the producer sent us a note from your literally interview that you were telling the producers in the whole onboarding process

that you love the finer things and that guys provide those things for you. Like expensive gifts, a coach purse, a Dyson air rep for $600, a Christian Dior necklace, sending you money. You love what men send you money thousands of dollars via cash out. Okay, okay, men, that's a lot of... That's a lot of... That's a whole...

Did not get money from a bunch of different men. There was two men before we met. Two men, that guy while you were together. And then demanding that he takes care of your entire life two months in, that is a four-person trend. There was the dude on Snapchat that you were like that...

So, again... Well, you bet you I'll be looking through that on the post show. I don't have Snapchat. We were laying in bed again and while I was taking care of her and there was like I was, we were about to have sex and like she was on Snapchat and there was like a message from a guy and he said something like oh I like the way I used to like kiss up on your neck or something like that. Which was not true. And I. Which was not true. So she said that nothing ever happened.

Nothing ever happened. Why would he? That makes no sense. I said. I was like, why would he say something like that if it never happened? explain that. So with the, I'll see a whore

try to unhoar herself. With the first, with the first situation with the guy that was sending me money, yes, he was sending me money. First guy, three. Of. Two before him,

one during him, and then him. That's four. That's a trend. Yeah, the guy two months in when he called. That was the guy who called and the guy on Snapchat.

Those were the two and then him. That's still a trend. Three strikes, four. She's not a whore. She's not a whore. She's converted

over the last year. So, yeah, he was sent. He was sending money. He was an ex-co-worker of mine. He got fired for him. Co-worker? Yeah. You were fucking leading on a co-worker. He was... Evil.

He got fired from the job because he decided he wanted to threaten the store manager to beat him up. I don't care why he was fired. It's a dude I've never met. You were leading him on. I'm trying to give you the context, okay? So that's how I met him. And yes, he was sending me money because he was in love with me. And I was leading him on. I can be honest about that. She likes toxic men because he tried to beat up the manager. What does that say about you, then? I'm just saying. What does it say about you?

Okay. Anyways. And he did give me a lot of gifts. He gave me a necklace and the purses and all that. A Christian Dior necklace that cost $3,000. Good death. That I gave away. And what were you doing with him?

I didn't absolutely nothing. But you were leaving him on somehow, though. She was. She thought he had a chance. He thought he had a chance. Yeah. I mean, we were tech. texting. I didn't have sex with him. I didn't kiss him. I didn't do anything with him. It was just like through text messages. And I was very clear with him that I did not want to do any of that. And he still wanted to make sense. How much is that? Custom. How much is it? I don't want to tell you that. This is financial audit. Tell me that. It was like $4,000. You're settling for that. Bro makes 200,000 hours a year and you got a 4,000 hour ring. It's a 3-karrate ring.

It's a lab-grown diamond. And he custom-made it, so it's, it's, it's, it's, it's, I'm sorry. If I was you and I demand the world and my man makes $200,000 a year and I only get a $4,000 ring, I wasn't making $200,000 a year when I got that ring. When did you get it? I got that ring, what was it, like last year? Okay, made $100,000 only got you four. He should, you, I would expect it was 10.

How, what percentage of my income is that? Four? Yeah, that's a lot Yeah, but rings usually go higher I wouldn't even advocate for it But for someone like you Appreciating asset Come on now, okay

I'm actually with you on this But the thing is With her, she's a like money grabbing slut So the reality is She's not a slut Don't talk about her like that She's not your body count I'm not gonna tell you that

I don't even I don't know that She would tell me if she wasn't He hasn't even asked me that Why would I tell you? Because he just said you know a slut I don't think you can prove it I'm not a slut

Listen I actually don't care if you were But the reality is, I mean, just like, I feel like she would expect more of a ring. Just based on her history of gold digging like crazy. I love my ring because it has sentiment behind it because he customated it. What is this? Like, you told someone to make it? No, because if I would have bought that ring from the store. It's a nice ring.

It would cost like $10,000. It's a nice ring. It's fine. It's fine. Congratulations. Good job. You guys had a kit too. And he did buy another ring that I. Shut up.

That I didn't. I bet you know a lot of jewelers. Jew. He did buy another ring that I didn't like. So he got this one. So that contributes to the narrative, I guess. Okay. Have you been a gold digger?

I kind of. I don't know. Maybe a little. You certainly were in the past. Maybe you changed. She definitely changed a lot. If a relationship is starting on infidelity and then infidelity halfway in, brutal place to be at this point.

And I definitely understand why there would be some trust issues, especially when it comes to something as important as money. What's the state of the household finances today? I know you make good money, but you have lifestyled. You inflated yourself clearly. You don't even know how much debt you have. How's the communication of finance? in this house. How do we communicate? You say you sit down and you tell her, what's your understanding of the finances? Maybe we should start there.

I know that he makes a lot of money and, um, I mean, he just sends me money. I don't really ask or question what he does with his money. I just mind my business with. So you don't consider it ours. No, it's ours. We just said his money. So we sit down once a month and we go line by line on all of our house. She doesn't give, you don't give a fuck if he sends more than he makes? No, I do. That's why I was surprised that he spent more than what. She does too. What do you mean? What money do you think she spends?

I don't know. She's making it sound like it says you spending. In her words. He does spend a lot of money. You spend? I do spend a lot of money. She spends a lot of money too. I do.

Not more than you. Okay, we'll see. We'll see. The numbers will show. What? I mean, you disagree? You think she spends more? I mean, I don't know if she spends more.

She just like, she just will buy. things like for instance she has these hair curlers right like these little styrofoam things that you curl in your hair and she has some and she just bought like another set because she's like all that and you come in here with frizzy hair i don't have frizzy hair but she like she'll buy like two of the same thing bad hair that's why like she spends like she just buy stupider stuff than i think i i buy i buy i buy stuff that i he spends a lot of money on weed yeah i do what a good christian man you are smoking means not un-christian i think a lot of christians would disagree with you sure there's a a lot of Christians that disagree on a lot of stuff doesn't mean that they're right or wrong.

I would say the more traditionalist view would be addictive substances are not good. Well, alcohol is an addictive substance, right? Yeah, but then they also argue that the one big thing has less alcohol, trust me. It's not that I'm probably again more on your side, but it's like, it's a little hypocritical of you. And the more traditional. Something I'm working on for sure. And it's not something I'm proud of.

Yeah. Yeah. And we've gotten better. Crime. So crime. I was just assuming. You're funny. Yeah, no crime.

No crime. I've been 100% legit my whole life. He told me he's never been arrested on our first date. I've never been putting handcuffs. I've never been asked to be stepped out of the car by a cop. Never. Never been in any trouble with the law. He has herpes.

Like, all this is happening. Come on. But in this relationship with the dynamic that it is today, I am being told that there's like a disagreement on like the roles because you are so role-focused. And I know you're bringing in the money. But I'm being told there's a disagreement. agreement on the baby and you're supposed to be the homemaker and he's supposed to be the bread

winner and all the stuff what what so what's the issue we've we've gotten into multiple arguments about like our roles i know what my role is and it's like take care of the house take care of the baby you know that's what do you mean you know because that's not that's what i was going to say yeah like what conversation like how is that you know well we've had conversations isn't that something you guys decide together yeah we we decided that he was going to provide and I was going to be the say-at-home mom and basically not work. But what I was... So you do nothing?

I make sourdough. Because it's been two months. So two months you've been to contributing by breastfeeding. But besides that, it's like, so she just really hasn't done shit. So she... For a while. She does, I mean, at least... Besides sourdough.

I mean, for the... Yeah, for two months, though. For the last 10 months. I was pregnant for nine. So the last 10 months. Have you seen pregnant women? Yes. A lot of them work like crazy.

So that's okay. That's one of the biggest arguments. have is that she's 24 years old now, right? And she's basically hasn't had to do anything. And even over the last 10 months... Yeah, she's been spoiled by a mineral life. And her mom lived with us, too. So, like, her mom pretty much took care of her whole pregnancy and after the baby was born

as well. How the fuck you're going to be able to take care of a child? She's good at. She's a great... It's been two months. All she has to do is this. Yeah, she's... You haven't been able to raise yourself and take care of yourself.

Men... That's actually not true. Men? You're about to make this a man thing? Yeah, go ahead and gender this. Men like me? Think that... What does a man? like me. Giving birth is just this thing. You just pop out a baby and that's it. No, I don't. Giving birth is

incredibly difficult. What are you talking about? Exactly. But for the last two months. And taking care of a newborn and keeping it alive is pretty different. I'm just saying when you're saying, when you're saying like, oh yeah, but I mean, she's ever done anything in her whole life. But I was taking care of it. Yeah, but I mean, come on. Before we keep going, quick word from today's sponsor. Okay, real talk. I'm absolutely the kind of person who will put off a doctor's appointment way longer than I should. I've done it even when I knew I needed to get something to. checked out because the sitting on hold, figuring out who takes my insurance and possibly waiting weeks for an opening made the whole thing feel like it wasn't worth it. Suddenly, the I should do

this item had been on my to-do list for like three months. And if you're doing that too, stop. Seriously, don't do the same stupid procrastination thing. That's why this part of the video is sponsored by Zoc Doc. Zoc Doc is a free app and website that helps you find and book high quality in network doctors so you can find someone you love. You can search and compare local doctors, read real patient reviews, check detailed profiles, see actual

appointment openings, and book instantly. And appointments happen. Two in five Canadians will hear the words, you have cancer. That's why every step and dollar raised matters. On September 19th, join thousands in Toronto for the Princess Margaret Cancer Foundation Walk.

Challenge yourself, friends, and family to walk 21 kilometers in support of life-saving research. Together, we can carry the fire and help create a world free from the fear of cancer. Register today at pmcfwalk.ca.ca. Fast, usually within 24 to 72 hours, sometimes even same day. Stop putting off those doctor appointments and go to Zocdoc.com slash Caleb to find and instantly book your doctor you love today. That is Z O-C-D-O-C dot com slash Caleb.

All right, back to the financial mess. The end of summer isn't just a good time to clean up your finances. With the changing weather, it's the perfect time to audit your closet, too. And for me, one of the easiest places to start are the everyday basics. Because if I'm still wearing the same stretched out beat-to-death t-shirts I've had for years, maybe it's time for a change. That's why I like quince. Their whole thing is fewer, better pieces.

Premium materials, timeless styles, and clothes that are made it become the stuff you reach for over and over again. They've got ultra-soft organic cotton teas, Mongolian cashmish sweaters, premium denim, and Taylor Chinos. The everyday staples you really need. And their denim and chinos start at just 60 bucks so you don't have to spend your fortune to upgrade your wardrobe. You're getting the fit, structure, and quality you'd expect from some fancy designer brand without paying the ridiculous designer brand price. Because Quince works directly with ethical factories and cuts out a bunch of the middlemen, their products are priced 50 to 80% less than similar brands without sacrificing quality. And personally, their 100% cotton lux touch tea has become one of those things I just keep grabbing.

If it's great, it feels way nicer than I expected for the price, and most importantly, I wear it a lot. So yes, I use Quince, and if your closet is overdue for an upgrade, I think you should check them out. They've also got hotel quality bedding, bath essentials, premium cookware, and travel stuff, making Quince a dangerously attractive way to upgrade your life. Upgrade your every day. Download the Quince app for app exclusive offers or go to quince.com slash Caleb. Give free shipping on your order and a 365 day return.

Now available in Canada and the UK too. That is Q-U-I-N-C-E.com slash Caleb. You've never done anything your whole life. You're not dealing with the complexities of like the emotion and teaching and all this stuff yet. So it's like in terms of the actual raising of... Postpartum is very... That's you. I'm talking about the kid.

So on the actual raising a child part, you never raised yourself, you never had to be an adult. You've only been... She did. No, so that's not fair. She did. What?

You just told me she did it. I'm only going over the information you give me. Before we met, like, she was taking care of her sister pretty much like... What about the mom situation? That was when I got pregnant and she moved in with us. Oh, then why did you bring that up? Because that's not unfair.

Yeah, because whenever her mom moved in with her. on your side. No, her mom moved in with us, clean the house, cooked everything, literally took care of the... Did she do anything while pregnant? Not really. And you had an issue with that? No, no, no. The issue wasn't while she was pregnant. So what's the argument then, guys? So the argument is like, for example... You talk a lot for somebody who doesn't want to let somebody explain the story. The argument is... I get bored easy. The argument is, is there was a situation specifically a few nights ago, maybe a week ago where she woke up with the baby. The baby had like peed on her. Wait, allow me to interrupt you.

Go ahead. Okay. It's your show, of course. Um, so. Um, um, so. Um, um, so. So, So she had the baby peed on her. And then she woke up really upset. And I was like, hey, what can I do to help? Kind of your one job. And she was exactly. But I was like, what can I do to help you? Because like I have to wake up in the morning.

So I took the baby from her. I'm putting the baby back to sleep while she's like cleaning up the pee mess. And me and the baby fall back to sleep. She walks out of the room, comes back in, like slams the door open. Baby wakes up. And what's the wrong with you? So then that's, I didn't. Either way.

I was like, yo. Pro has to wake up and provide. Isn't that what you want them to do? I was like, what's wrong with you? Why are you sitting here storming around the house? I was like, if you need help, we need to make it clear and not do this, right? So then I kind of acting like the newborn.

But hold on, I did lose my cool. I yelled at her a little bit. So when I woke up in the morning before I went to, Wait, no, hold on. Let me finish the story. Let's put it there. No, no, let me finish the story. What's up?

What's up, girl, girly pop? So, she peed on me, right? She goes back to the beginning of the story. No, yeah. I thought we were pausing. It's obviously, it's obviously from your perspective. If you're going to tell your side, let me finish. But he, he, he.

Okay, let them finish. You're ruining it. So then I wake up in the morning because I yelled at her in the middle of the night after you got peed on by the baby before I go to work. Now, mind you, every morning I work out, I do everything. Which, by the way, she would describe that as a black man yelling. Yeah, so either way, the black man was yelling at her in the middle of the night. I wake up, I clean the whole kitchen. I mean, I do the dishes, I mop the floors, I sweep, I let the dogs out, I feed them, I do everything. So that way, when she wakes up, she doesn't have to do anything.

And then I come home from work, I literally, the first thing I do take the baby from her, I go lay down with the baby. so that way she's been with the baby all day. I changed the baby's diaper and then I'm laying with the baby. She comes into the room as I'm laying down with the baby, just chilling. And she picks up like the changing station,

the little changing mat wipes. And she goes, can I talk to you about something? And I'm like, sure, what's up? She's like, I feel like you've just been leaving stuff around the house because you know I'm going to pick it up. And then I was like...

Which probably isn't even true, but women just like feel things instead of no things. So then I do leave stuff around a lot. I will give her that, I was like, are you sure you want to have this conversation right now? She's like, yeah, what do you mean? And I'm like, well, I did just clean up the entire kitchen before I went to work. And I came home, I changed the baby's diaper and you're going to like bitch at me for leaving the wipes out.

And then hold on. The thing is, is that she literally will do the same thing. So the next day, she left the wipes out. And I pointed at him and I was like, you just yelled at me yesterday for leaving these wipes out saying that I leave them out intentionally because you're going to clean it up. Wait, didn't you say the whole thing was you to be at home to like take care of the house? Okay. Listen. Listen, listen.

So I mean, maybe it's messy of him, but isn't that kind of like the role you've set up is like he goes and works and you take care of the house? Yeah, that is my job. Sounds like you're not going to take care of the house. I have been, I have been picking up after him for two years since we've been together. But that's what you said you were okay with. Exactly. Then why are yelling at him for it? I did not yell at him.

I walked into the room and I told him, I'm like, I even started off the conversation because I know how he gets. And I'm like, hey, he gets very upset, very quickly. And so I'm like, hey, I'm like, hey. I don't mind picking up after you. And then I did say that. I'm like, I feel like you're leaving stuff behind knowing that I'm going to pick it up. She called you bipolar in the pre-interview, by the way. That's crazy.

And did I? Okay. Well, anyway. Anyway, so the whole, that whole situation, yeah, she peed on me and I wanted to change the sheets because I'm not about to sleep in pee the whole night. So I went to go get the sheets and a blanket. And the blanket that I had was very thick because we have a king-sized bed, so it's very big and thick. And so both of my hands were busy, so I pushed open the door, and it just opened up. I didn't intentionally throw it, throw the door so she can wake up with him.

It just happened. And so before I got the chance to switch the sheets, he's like, why are you so upset? Like, you shouldn't be upset because this is your job. Like, you shouldn't be complaining about it. You're a Latino woman. You guys are always upset, though. I'm not always upset I was upset that night because she peed on me

And I have been up with her But isn't she like always a No, she's not, not at all Uh-huh She's not She's definitely not But he Two more years though

And she's gonna be huge What does that mean? If you've seen every Latina woman at 26 Do you know what happens? No, I don't Tortta Ew, first of all

Yeah Two science Second of all That's that, no Little racism, little science 100% true She's definitely not a cunt, but I get called bipolar because I clean up the kitchen and then get told to pick up after myself. And I bring in $20,000 a month before taxes. So I'm just like, what can a guy do? You know what I'm saying? The reason I brought that up was because he continues to. I don't ask him for help at all. I don't. He does the things because he wants to and I am very grateful that he does that. But I don't necessarily go up to him and I'm like, can you change her diaper? Can you do this? Can you do that? He does it. No, no, listen. Things don't get done. That is not true. It is true. It is true. It is true. It is really clearly. entire house like two days ago.

Oh, congratulations one time. Yeah, it hasn't since then. No, I thought you're a homemaker. I do clean the house. Let me finish the story. So I am like, okay, he has continuously asked me to ask for help and not to like take up all the responsibility for myself because it is very tiring. So her asking for help is telling me I leave stuff around and I don't pick up after myself.

And again, this is not me complaining. He left the entire kitchen a mess. He leaves clothes all over when he gets home from where he leaves his shoes. You said you were okay with it. That's the deal you took. Clearly not. I am. I pick up after myself too, though.

So if I do leave it around, I also pick up after myself. The only reason I brought it up was because this is the way that I would like for him to help. Because I do recognize that my role is to take care of the baby in the house. And I show him. You recognize that. Did you guys agree on that? Yes, we agreed on that. Then why are you complaining about it?

I did not complain about it. You're not listening to me. What I said was that he, that. that's the way I would like him to help me out is not leave so much shit behind. And that's what I was trying to tell you. Tell him, I'm like, hey, I'm noticing you're leaving more stuff behind the normal.

How many hours a week are you working? So while she was pregnant, I was working Monday through Saturday, nine to five, basically. And now? I stopped working Saturdays, but I just pick Saturdays back up. Yeah, you can step up

and be more clean around the house. But it's, it varies. So, like, I leave at nine and I might get home at like seven some nights because it's a sales job. You know what I'm saying? So like it might take me an hour or two at each stop and I have like nine, ten stops a day. You know what I'm saying?

Jeez, you guys argue a lot of parents. Your landlord had to check in on you guys because he was hearing. That's crazy. She lived next door to us. Our landlord is our next door neighbor. That's an alarm bell. It was a, it doesn't matter. If the next door neighbor, regardless of if they're the landlord or not, it's checking in on us because of all the yelling.

We had thin walls. It was like a townhouse. I've lived in a lot of thin walls. I've never had to check in on someone. You've never heard your neighbor's yelling? No. You're lying. You're lying. You've never heard neighbors yelling in an apartment complex. I'm getting in a no from there.

You've never lived in a crazy... How would they know? Do they live with you? Okay, one guy who lives in like a college complex, but they're probably just literally moaning or doing drugs. So everyone's saying no. Well, hearing people yell in apartment complexes is pretty normal to me. Wait a minute. I'm white.

I've lived in a lot of apartment complex. And hearing people yell as normal. Which ones have you lived in? not section 8 never section 8 but yeah we did used to argue a lot and we would scream at each other

sounds like you did two days ago I mean it sounds how frequently are we arguing? We bicker now it's not arguing how frequently are we bickering maybe once a week if that yeah it's still pretty juicy

that's still pretty juicy how's y'all's relationship today I think it's great yeah no issues everything's good yeah I'd say so I think so. How many guys... I knew you were going to ask us that.

Not as often as we used to, but... That happens? Yeah. What? What? Three times a week? Two times a week? Oh, wow. You guys are good. We're fine. I don't... You disagree with that?

Yeah, I don't think it's that often. Yeah, I mean, sure. Oh, two months post-birth, that's actually... Yeah, it's what I'm saying, yeah. Yeah, I don't... We didn't even start having sex again until probably, like... I don't know, what was it, like, a month ago? You gotta let that thing recover.

Yeah, for sure, for sure. I'm trying to be, you know, it's on her clock whenever, you know what I mean? Yeah, but also like... You go in the whole above for a while. You're going to get in there. Oh, she's into it. Oh, shit. Anyways.

Wow. Okay. Yake. That's fun. We know she likes anal. I didn't know we're going to get into that. Really not denying it. That's actually kind of crazy.

Don't Christians, though? Don't Christians do? Is it like what Christians do? You like anal? You like anal? You like anal. You like anal. You like anal.

Don't sit here and play. Don't play. Okay. I mean, hey, I didn't know. I was just kind of joking, but what do we think? Well, I mean, you took the quiz, but I think you guys need to take it again because we did dramatically revamp it.

What do you guys think your household financial scores today? Zero out of ten? I think it's... I think it's... I think it's... We'll see, man. You didn't do the countdown. Income is not usually a determining factor.

Debt the income is, but... No, we don't do the countdown anymore. You haven't watched a while, huh? I literally watched the episode that came out. yesterday and you did it. The one with the My Little Pony guy. She's a super fan. I do watch you alone.

She watch it. Like I come home from Morgan, you're on the TV. I'm like, bro, can you turn? We'll do anal later. So, if you watch your hammer financial score, it is free at Calebhammer.com. Just take the assessment and see where you stand and you see where you stand in each category. And you can know where you need to improve. And if you don't want to be like guests who end up on this show, make sure to download the

dollar-wise budgeting app. You can change your life like tens of thousands of monthly active users are. Take the free trial to see if it works for you. And if you do, and if you like it, take the annual version most people do because it saves nearly 50%. And you get the physical version of my 30-day meal plan signed by email directly to you and the digital version of the cookbook as well.

So check that out, guys. Links below, dollowise.com, Calebhammer.com, all that good stuff. No, you have no excuse. So we don't have credit cards, but we have a firm. Yeah. So, well, okay, so wow, yeah, you're so much better. It's not in my name. Come on.

Whose name? My mom's. Isn't that even worse putting it into a family's name? What is this for? Our bed. Okay. I would say that's actually worse. Putting it on your family.

Why would you do that? Because my mom doesn't care. But you make 200,000 hours a year. Why put that on your mom? Regardless if she cares, you're still putting the risk on her head. It's 0%. It's still your choice. It's 0%.

Good. 0% are for yourself. You're still putting the risk on your mother's. I'm helping her credit. I'm helping your credit. Hold your mother. Like 50, like 50 something, 52. Okay.

Yeah, so she has like 10 more years to retirement. And you're putting her in a risky position. You don't know what's going to happen. She's an ex-pat. She actually abandoned her American citizenship for the most part and doesn't care about her credit anymore. Wait, how do you abandon it for the most part? I mean, she still has... Where is she?

She's moved to Canada. How? That's where she's from. Oh, trust me. The debt can still get her. Yeah. I mean, so she basically is just abandoning her credit. She's just like...

Well, the debt can definitely still get her in Canada. I mean, apparently it can't. From what she's told me of like, she is wrong. So I don't know. I don't know. That's not for me to worry about. Right.

Except you put it on her head, so you might have to. So if anything, I'm going to help her credit because... Yeah, potentially unless you fuck it up, you're not willing to give yourself any kind of room for like a dramatic economic downturn or something. Because you're 30.

I'm 31. We're like the same age. We haven't really grown up in a real recession. We saw our parents get affected a bit by the Great Recession, but even still, the vast majority of our memory is no really economic hard times, pretty much, you know, a little dip here and there, but not anything actually bad.

You're not willing to allow the world to be complicated. You're just going to... The world is already complicated. The world's pretty f***ed up, so, I mean... The best period of human history, I would say. I mean, as far as, like... Especially for a black dude and America. Yeah, for sure. With no college education, yeah, 100%.

You know what I'm saying? Like, it's the best... You're not going to hear me complain about that. But just said, the world's fucked up. The world is f***ed up. Come on, dude. The world is... It's better than it's ever been. I mean, I would go back to the time when I didn't know the elites were eating children.

So, I mean, that... You know for a fact. You have evidence they eat children. I would say that's been made pretty clear with the evidence that's been released. Ah. But either way. I mean, that's besides the point. My world's great. My world's great. Your world feels... My world is great. My life is amazing.

So, I mean, as far as that goes... Hold on. Keep hold of your child. An elite might come eat them. I know. That's why we have... People say I'm an elite now because I have a lot of money. We had her baby out home. Am I going to eat your child? I hope not. Is that really why you had the baby at home?

You don't have enough money to be that elite. People say I am. I have money to be that elite. I appreciate it. Yeah. Not you're, I mean, give it a few more years. You'll be up there. You're way more Jewish than I am.

People are afraid of you these days too, including Candice Owens, right? Yeah, I know. I'm probably her like kryptonite, honestly. Okay. Jewish black guy. Is that really why you had birth at home? No, just because we don't trust the medical system. Yeah.

It's not super... What are you afraid of? Do you think Joe Biden's going to get in there to get all grabby, grabby, ed, ed? No, but it is a fact that, like, you know, women of color have more... She's Hispanic. I guarantee you, like, every fucking doctor

and everyone there's like, oh, do, do, do, do, do that? Hispanic or Indian? Well, that was Indian, but a different kind of brown. All the nurses look like you. Yeah, it's just not safe to have the baby in the hospital. Not safe.

Yeah, it's not safe for people. It's safer than ever. For white people. No, it's safer than ever for every statistical race. Like, in terms of, like, actual infant mortality. It's safer than ever.

Yeah, but what about... What about the mortality of the mother, though? Okay. Should we pull some statistics? Yeah, pull up the statistics of the mortality rate of women of color. Specifically in Texas. It's pretty high. But going back to the bed, we got the bed for my mom because we had the baby, so we needed a better bed.

Why does that make sense? Because the house we got was... Does the baby sleep in the bed? Yeah, a lot of time. Doesn't have to, though, right? It doesn't have to. Safe co-sleeping. by the way. It doesn't have to, but it's just, it doesn't have to. Like, you're finding a

cope reason to get the bed. What was wrong with your old bed? Well, the bed reclines. So, like, whenever I have to wake up in the middle of the night, his side of the bed can, like, stay down and I can just, like, recline the bed and feed her and do all the stuff. That sounds great, but it sounds like we're finding a lot of reasons to do it. And to put it on your mom again, I really don't understand on that part. I know you're helping our credit, but again, you've never experienced a real economic hardship. And sales gets really complicated in those situations. Luckily, pest controls a bit more evergreen, but. What economic hardship, like, would we experience that would influence something?

I'm sorry, what? Like, what type of economic hardship would we experience? High unemployment rate. Right. So, like, do we have a high unemployment rate right now? No. I'm saying, on this 18-month term, you don't know what's going to happen in the next 18 months is what I'm saying. I'm not saying today.

I'm saying maybe 12 months from now. Well, isn't that why we make sure we have the money in our savings? Potentially. Yeah. So we have an emergency fund. But you're spending more than you make, so that's not going to go anywhere. How? We are spending more than we make.

But a lot of the money is in checking So that's going in and out Yeah, you do have a few thousand saved up on the side But across all your debt of 108,000, it would pay less than 10%. So that argument no longer exists. That's why we're risked that free And then a fully funded emergency fund

Because your fully funded emergency fund Wouldn't even come close to touching your debt. It wouldn't, objectively. I mean, yeah, it wouldn't. Number wise. So you can't use that excuse. But it gives us... And also, you know what an economic downturn

does that leads to unemployment. It's just six months. Which has you having to use, which has you having to use your emergency fund. That's not a six month emergency fund. Which has, I don't know what your account you're looking at, but across our accounts. Your savings. But across your account, most of it's checking. So it doesn't work like that. If that's, is that my savings? Yes, I have all your accounts. Dude, this guy. Our savings is between two different accounts. That's what I'm explaining to you. That's our rainy. That's our rate. Okay. So there's one that's a rainy day. Yeah, there's one that's a rainy day. And it doesn't cover 10%. Rainy day. Rainy day. I'm

say it wouldn't cover six months of rainy day. Oh my gosh, dude. Well, so it's even worse. Great. So the reality is, what I am saying is if an economic downturn happens, that savings goes to pain for months, not per pain for debts. So you can't use that excuse the way you do. Your risk assessment is backwards.

Yeah, if there's an economic downturn, dude, like, f*** the debt. Like, you, you know. Yeah, f*** the debt, which impacts your mom. That's why I'm saying it's bad. My mom's in Canada now. It's not going to, if there's an economic downturn in the United States, it's not going to affect her as much as it, like. What?

What? What are you talking about? Anytime there's an economic downturn, it affects all Western nations. If she's living in the middle of nowhere, Canada, it is not going to affect her. It's not. If she's living in a house that's 100% paid off and she's living off of whatever. Is it 100% paid off? Yeah, she lives with her mom.

That's helpful. They might be able to leverage some kind of lean against the house at some point. I don't know, maybe. They're not going to. They're not going to. They're not. Probably not. I would side on the statistical likelihood of not. But you can't say the risk is zero.

Especially, the thing is, I would rather the risk be on my head. That's the point. Sure, but my mom's head. She's made it clear. She doesn't care about her. That doesn't matter. My mom can make a lot of choices, but if I still get the choice in the end to do it and approve it. Yeah, and she...

You're still going to self as a son in the way. I'm not putting anything on her head. Well, totally. Zero percent interest. Yeah, no, no, you're just not taking an account for anything happening in the future. That's what I'm trying to bring up here. You really don't understand that point. I'm not saying this.

Because we want to be better prepared for the future. We're definitely... You're pushing back against it a lot. So I'm saying that this is an inherently bad debt, but I would put it on your head and you certainly cope the fuck out of the way to get it. We needed a new bed. We needed a new bed.

Our bed was really gross. We moved into a place that was fully furnished. So the bed that we were sleeping on, God knows how many people slept on that bed. So there's a little increase during COVID for mortality across the board. It wasn't just people of color, by the way. The mortality rate for women of color

compared to women of women of... It had a slight more raise. Yes, it did. But that was only during COVID. Since 2000, since 2011, since 2012, since 2019, it's still fallen overall. Again, there was a boop. Everything had a boop during COVID.

So your statistics were just wrong. I'll send them to the producers when I go home. Huh? I said I can send them to the producers. Where did you get them from besides Candice Owens? This is the... It's not a Candace Owen stat. This is the Department of Human Services of Texas.

Department of Human Services of Texas? Yes. Okay. And you cross-referenced that with what other studies. What do you have? Do you want me to just pull blood out of my ass right now? If you have it, if you have it, we spent all this money for this, then yeah, I'm going to need you to have some kind of backing, please. Spent all money for what?

Needing to do the birth at home. Yes, because it is safer to have the baby at home than the hospital. Hold it up. What would you like me to pull up? The statistics that you're using, buddy, you're saying cross-reference. Give me where this came from. I got you. I got you. I just wanted to give birth at home because I wanted to experience it. And black is the highest, black women. Thank you. That's my point. Thank you. You just made my point. She's not a black woman.

Women of color. Black women. Black women. Women of color. What do you? I just said, no, you didn't make the point. I said black women. Okay. And it being the highest doesn't still mean that it is high. Cool. Hold on. It's actually for white women and Hispanic women are barely off. Hispanic women is just barely above. Black women are where it actually gets higher. So again, you were wrong. Okay. You're a black dude, but you're not giving birth. That was wrong. Yes.

It was a really fun experience, by the way. It's 0.1 the mortality rate, by the way. And its little uptick is for black women. This is black women. This is the bad off ones. 0.13%. Not 1%. 0.13%.

Point. We didn't want our daughter being born in the hospital. I was trying to get the, why and your why was incorrect. Because it's just not safe. It's not safe. That's not true. It's not safe.

That's not true. I think you're wording it wrong. It's not safe. I mean, sure. It's your baby won't die. It's a good option for a lot of people. But your baby might have ADHD or autism or something. What from the hospital?

What is you talking about? What do you mean? You're talking about vaccines. We didn't, we didn't do vaccines with her baby. By the way, for Hispanic women, it is 0.08 percent. Routality rate. 0.0. That's good, I guess, right?

It's 50.3 deaths per 100,000 live births. Black births? Oh, that's even better than I had. What is your say? Per 100,000 you said? I think that's what it says. Wow, that's great. So now it's actually 0.05%.

It says black women experience the highest rate among major single year. If I said that. Dissegregated reports, which approximately 44 to 50. deaths per 100,000 life births, roughly three times higher than the rate of white women. Which, by the way, she's Hispanic, she's not even black. I don't know why we were focusing on the black woman part when that was your argument. But even still, that is 0.05. Because there is no, there's this, they don't give the statistics for a sparing.

Yes, they do. I have it. It doesn't say it here, so. 0.05. That's actually a very statistical W in terms of the modern medical system. But you're saying that it's, it's, it's, You're right. I wasn't saying it correctly. So, yeah, you're just afraid of vaccines. Got you.

No, it's safer to have your baby at home. It's safer than the hospital. It's safer than the hospital. It's not unsafe to have your baby at the hospital, but it's safer to have your baby at home. As long as there's no complications with the birth. Well, isn't that a big if? Isn't that a big if I would rather be in a hospital

if there's complications? If you're a healthy woman. If you're a low risk. Low risk, but you're still gambling. You're rolling the dice on that. What do you mean? Just with a better odd, right? You're rolling the dice having a baby in general.

0.0.0. I agree. It's a risky thing having a child altogether. I'm not disagree with that. Okay. Well, you said it's safer to have a baby at home, unless there is medical risk. That's a big unless. What do you mean? How's that a big unless?

You suck with money. So you download a budgeting app. You start with the classic one, Wynab, but everyone just deletes it because it's way too complicated to use. So you go to every dollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket money, they got a lot of commercials,

but they're owned by Rocket Mortgage. Guess what they wanna sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise,

built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise. link in the description below. If you or your child spent years growing up on social media

and experienced serious mental health struggles, you should hear this. Recently, a jury ordered meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits.

The recent historic verdict underscores the consequences of those decisions. Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000. If there's medical risk, yes, you should go see a medical professional. But if you're a perfectly healthy human being. What if it happens during birth even if you're healthy?

It still can happen. And it can happen in the hospital. And I would rather be in a hospital if there's a medical emergency. Okay. If there's a medical emergency, it's giving birth a medical emergency? It can happen during a birth. It can happen in the hospital or at home. And I would rather be in the hospital.

Okay, I'm not disagreeing with you whether you actually were. You would rather be in the hospital, sure. But if you think about the process of giving birth, it is safer to have the baby at home if you are a healthy woman. It is. You do not have to rush to go to the hospital as soon as your water breaks. You don't have a bunch of strangers running around you telling you to do X, Y, and Z. You can have... You think doctors are just running around giving you different information about what to do during birth?

When you, have you been in a hospital during a birth, like, during somebody giving you? You are telling me what happens? No, have you been in a hospital when a woman gives birth? No, so educate me. What happens is doctors running around giving you different information? Yes, there's doctors coming in and out of the room. And they're all giving you different information of what to do during the birth. That's what happens.

They're coming in. Hey, give birth. Hey, don't give birth. Hey, give birth. Push harder. Yes, exactly. Some might come in and say push harder. Some might say, hey, it's time for the epidural.

Some might say, hey, it's not quite time for the epidural yet. A woman could say, hey, I don't want an epidural. in the doctor. You've done lots of births? I've been in the room for multiple births. Yes. I've been in the room for her birth. I've been in the birth for my mom's. How many did you abandon? None. What? She's my first child. Come on. I saw my mom give birth and I saw my exes mom give birth. That's weird. I was in the room. I didn't like see her give birth, but I was like in the room. So, for healthy, low risk, Hispanic women in the United States, hospital birth is statistically safer than planned home birth for the baby, primarily due to

lower neonatal and perin, perinatal mortality risk. Absolute risk are low in both settings, but material outcomes show fewer interventions at home with material mortality too rare for a reliable comparison by setting. Bingo. No, bingo, it's still opened with... What did it say?

What is the ultimate statement there? That it is pretty much just as safe to have your baby at home. It didn't say it said mortality is two, rare for reliable comparison by setting. That's fair. But you can't tell me it's safer. Then you can't tell me it's safer. It's just as safe.

You didn't say that. You said it's safer. It's safer to have your baby at home as opposed to the hospital. It's not unsafe to have your baby in the hospital. But if you're a healthy woman, it is safe to have your baby. Part of it is because home births are uncommon overall, only about 1% of U.S. births. So it is harder to gather information there. And even less rare, or even more rare among Hispanic women, CDC data shows 0.5% in recent

years give births at home. That's why it's actually very difficult. But, but, but, I feel like that statistic doesn't take into account the fact that there's like a ton of Hispanics that aren't documented here that wouldn't document that, that probably have their children at home. Maybe, but you're just guessing at that point. What? I would rather go off and just CDC data than guess it. So you're saying that CDC data would account for all of the millions of illegal immigrants that are clear that would have their data than pull out of my ass, yes. Okay, cool. If you're trusting the CDC, the same people that told you that vaccines were okay, but then updated their website and said that it does cause things like autism, I don't even know what you're talking about.

I'll be honest. I'm talking about your trust in the CDC and the information. I'm going to rather go off of that, then yes, you. I'm not saying go off of me. I'm just saying if you're going off. You're trying to have me take your advice as hold. I'm saying that the CDC is fallible. I'm saying that their information has been proven wrong and been corrected in the past.

Okay. So this study right here out of the New England Journal of Medicine shows that at home births for healthy individuals, even with a midwife, shows that the mortality rate for the child is about... Oh, sorry, for... Is it the child or the woman? Let me make sure. For the child is two times higher at home than in the hospital for a healthy woman.

Okay. That is the journal... For the child and for the woman. Child. Interesting. Which they still matter. And this one's... Yeah.

This one's from the American Journal of Astro, Asterisk, and G. I'll have become so better words, but a lot of the vaginal stuff. At home, it is three to four times higher. So it's safer? Sure, it's not. So there's just no study that shows that it's safer.

Yes, there is a lower percent of people doing at-home birth, so it is hard to gather the data perfectly, but in all the studies at least done, it does show that it is statistically more dangerous at home. I'm just, when we're making the lives for something that didn't consent to come into the world, let's be actual informed instead of down a weird internet rabbit hole. Well, I was born at home.

so so you're saying that like that's so anecdotal it's not okay I'm not saying that it's not anecdotal but you're what does it have to do that we didn't do our research

before we had her baby at home like you think we're just your research is watching Candace Owens though no it's not check my YouTube history see what I don't know I'm listening to her

what am I supposed to go off I'm just saying you know so we got a bed we got a bed for that yes yes you sure did it's a really nice bed because we had a new baby

because you did a lot of cope it's a really a lot of coke. Cope. Oh. Cope. And also the National Library in Medicine. We have a fourth one.

Okay, we get it. We get it. Do you get it? Because the next time you have a kid, are you going to be smart or are you going to go down the rabbit hole? I didn't go down the rabbit. Are you saying it wasn't smart?

You have the baby at home? Are you suggesting that it's really dangerous to have the baby at home? Well, statistically, yes. My home birth was amazing. And I'm not saying that like for everyone it is, but for me it was really. I have, so I'm going to talk to you.

I have no issue with you having the kid at home, by the way. No issue with that. Do that. But if you're going to sit here and tell me that it's safer and that's statistically wrong. I don't say that. But he. A midwife doesn't, okay. Yeah, she, I mean, yeah. We had a plan also would if in case of emergencies and nothing happened. No, and I'm very glad.

Again, I'm not knocking the having a birth at home. Have it if you want to. But if you're going to sit here at this table and tell me I have to cope all this spend because it is statistically safer to have the kid at home when there is not one study, not one, not just the CDC. You can't just push back against that. Not one study that backs that up, then I can't go along with it.

Cope spend. Cope spend. Then you put it on your mother too, which is very... Of you. She didn't care. Doesn't matter. My mom wouldn't care

if I asked for money today. It would still be selfish. Has your mom ever got you a gift? Yes. Okay, that was a gift for my mom. Okay, she's never gotten me a $5,000-hour gift. Well, my mom's cooler than yours. Where you have to do a minimum fee payment.

I think she's more... easy to be manipulated. No, not at all. My mom's actually pretty hard to manipulate. Who the fuck convinced her to go live in the middle of a wilderness? Sounds like she's actually very easy to put in the brain. Yeah, where'd she get that from? Yeah, herself.

Sounds like she's gone down some weird. She's a little rabbit holes like you. She's a little liberal. That's liberal? Canada's very liberal, yeah. Yeah, but living in the middle of the wilderness with no outside connections? Being an expat, yeah, it's pretty liberal. Like, just being like, I don't want to be an American citizen anymore.

Oh, that's what it was about? It was about getting out of America. She got her Canadian citizenship. She got her Canadian citizens shit. She got her Canadian citizen. Yeah, maybe then. Well, she has her Poutine. That's great.

5,000 hours, 277 hours and 78 cents a month. Well, why did you tell me there's no credit cards? I have secured Capital One credit card a $250. Yeah, I just got that. I just got that. Like this week... You told me at the beginning, I have no credit. What is wrong with this man?

I did tell you that he got a credit card. He gives me such contradicting information so frequently throughout this conversation. I needed to build my credit. I just got those. Then maybe you should have got the affirm under your name. It wouldn't. me because my credit was too bad. Oh, so that's what it actually was. See how this guy is? How much does he try to gaslight you? I'm sure that you've noticed. I do not gaslight her.

That's when he tells you about the situations of the baby and all that, I'm sure you can understand now. I understand now. That dude will walk circles around a conversation. She knew about these credit cards. She knew about them. And I told you and I told you about that. See how you're doing this? She told you about this credit. You see how you're trying to push information? You know about the credit cards. You know about the credit cards. Me? Yeah. I just got them like. Last week, that's why it's new. I didn't know about it. They're new. They're new.

Why would I know? Why would I give a fun? They're new from the statements that you had before. And I fell down his trap. That isn't what I pushed back against. And then he's just throwing all these things here to get me off the topic I already was on. That's, dude. And they're secure.

No, you're a professional. You're a great gas lighter and getting off of any kind of pushback against yourself. There's zero balances on all of those. $250. That's the limit. That's what I secured. That's what I paid for them. Why did you send that to it?

You said it's the limit? were asking for balances. I have to, yeah, they're all zero balances. So, sell, 500. That's zero. Zero balance. Yeah, it's a limit. Why just send us these numbers? We would, like an update. Yeah, just, we were like, hey, what are the balances? And he sends us this, but apparently they're only the limits. Great. You're really good of following information. Okay, I sent everything. And they asked me if there was anything that changed. And I got a few. Yeah, here's these things. And he puts total down here. He doesn't say total limit. I did not send that. I did not send that. I did not send that. I did not send that. I did not send that. I don't know. That's not for me though I did not send that I can show you on my on my phone those but they're all zero

limit zero dollars I just spent what five or a thousand bucks opening secured credit cards I put 500 on one in 250 on two dollars yeah I spent on what hundred on one and 250 on two different so here's the chime thousand what are you what are you gonna are you doing anything with it oh whole chime card account he did give me a credit one of the credit cards for gas on the new car so So this is a chime checking. Yeah, so there's a chime checking. In here, you're getting some bullshit at the gas station. Probably.

What you get him? He gets a lot of stuff at the gas station. What does he get? Coffee, energy drinks. Ugh, coffee at the gas station, energy drinks makes sense. Here, Gamer subs, I would get the liquid assets. I don't have any extra of those to give out because they just came out. But it's the Caleb.

It's our final. Finally, we have liquid assets. The Caleb Hammer Financial Audit flavored Gamerer Sups. It is absolutely delicious. go ahead and yeah they're very goony but ours isn't it's like what acid but kind of is but the thing is they're actually really good they're better than the energy

drinks you get we did a blind taste us they approved that they're so good just check it out 10% 40 cents the servings we got 10% off link in the description below El Pollo so you're in know Apple bill well if we had it we would give it to you put some of that raw meat in your mouth don't you for free

El Mexicana prime video Chance the rapper $1,500. Yeah, I bought some tickets to go see Chase the Rapper. $1,500. She knew that. I bought tickets, meet and greet tickets for me, her,

and then... She has brain damage. She can't remember. You have the reminder. And then our friend that's babysitting, our baby right now, I bought it for her and her husband, so we're all going to go see...

Why? They're my friends. I didn't know. You have debt. It's paid off. He's going to pay me back. He's going to pay me back. He's going to pay me back.

So it's not a gift. You literally got someone else into debt. Happy Cactus, energy drink, energy drink. Amazon. Uber eats, Amazon, Uber eats, Apple Store, Louis Vuitton,

bullshit, church's, bullshit. The Louis Vuitton was hers. Church is chicken. Wait, what is that? Church's chicken. What's that? It's a chicken place. How much is it?

I think I probably usually, like I'll usually get like a drink or something when I'm trying. A church's chicken. No way. Oh gosh. There's no way. No, that was. I didn't eat there, so.

It's going to be like five. You know, it just says church. Maybe I was just assuming for you. Oh, yeah, it's church. Yeah, it's church. That's a tie things. Yeah, I give $100 every Sunday at church. I don't think that's the percent you're supposed to be giving you if you're a good Christian man.

Applebell. It's 10 percent. Amazon, Amazon, Amazon. $100? At the end of the year, you make the difference. Oh, you're going to maybe make a big difference. Make commission. Happy Cactus.

Bullshit, coffee, Amazon. I mean, it's a lot of bullshit, dude. It's an endless amount of bullshit. It's an endless amount of bullshit. another time checking again again this is why I wouldn't I didn't allow the ending balance because it goes up and down up and down up and down so it's just like it doesn't matter but things are being transferred back and forth yeah and then the spot me line of credit this is nothing my pay and it's nothing it's this again money's in money's out but that's what's

confusing it's just like it gets weird oh you owe money in taxes I'm much better than all your other guests no I knew you're going to chew me up about that well yes because you owe money in taxes yeah I paid off half almost half of it sure did at some point, but why do you owe money on taxes in from one? So 21, 22, I owed taxes for it. Why? What were you doing? I was just working a regular job, but I filed myself and I did something wrong. So I owed like 2000 and then I owed like $6,000 for those years.

And then... But it got up to 23. Yeah, because 24 and 25, I owed like $7,500, $7,500 for those two years. And that's because I was making commission. Yeah, $13,600 today. Yeah. Is it a payment plan? No, so they got bought.

How do you feel about him owning so much in taxes? That's crazy. Yeah, she's not a favorite. Yeah. You're going and buying a Porsche Kyan when you owe money in taxes? I paid off half the taxes before I got the Porsche. You should have paid off all the taxes before you got the Porsche. You and your Porsche.

You have a child. I don't give a car for my child to get around. Not a Porsche. Yeah, but it's a nice family car. It is. We've got a nice family car that's not a Porsche. But it was about the same price as what I would have gotten. It's a dream car.

It's a 20% interest, you selfish gold-dicking. Yeah. I didn't know that. It is 20%. Listen, it's not that much, but it's a 20% interest, which is insane. Yeah, it's insane. 8,371. Well, that's great.

Is it a 20% interest rate today and you're not? So I don't give a f- We would like to pay it off in a year. Congratulations, you're not. Well, yeah. I don't give a f-you also owe money on taxes still. Guys, I love the financial auto guests that come on and they get all the bad down. They're like, I would like to pay it off.

Wow. What a gold star. Walk out of here. You solved your issue. We've been paying it off. Congratulations. You owe money on taxes and you, you have a minimum fee payment of $252.66.

You're not paying it off. I think he's also co-signed that with his mom. Yeah, my mom co-signed the Porsche. Okay, CarMax. What did we give in CarMax? That's my truck. You do sales. Why are you driving a truck?

So I got that truck at 2024. Whenever I was doing a lot of traveling, we were driving around moving to different states. I need something to, like, pack up all my stuff in. I didn't have a car. Get a... There's nothing... SUV? I don't know.

No, I just need something that I could throw everything in the back in and just move in a... moments notice. What are you still owe on it today? 20,000. 20,000. This has gone down nowhere. Yeah. Because you borrowed 25. It again,

a 20 percentage is right. 20,000. You have a minimum monthly payment of what? 6.10. 615. That's why we needed the Porsche because the truck is so hard to drive. Shut up, Gold Digger. Guys,

we're so much better. And here we go. A pass due on what? Exeter. Pasto and Exeter, when? I don't think so. It read weird. But what is this Exeter for? That's the car. That's the truck. So it's the same thing?

Yeah. Yeah. No, this is a different loan. Is it not? No, it's the same thing. It's just the second page? Yeah, it's the same thing. Okay. Student loans, let's see. Let's read it correctly.

How'd you get $46,843 to student loan debt? I went to college. For what? Neuroscience. Listen, whenever you decide to work again, if you ever do, instead of being a lazy, spoiled bitch with your entire life, I'll get you a course career certification. So you can get back out there.

A lot of people in the audience have converted them into six-figure jobs, okay? Okay, thank you. That'd be great. And I'll get you, you already got, you both have Chime? Yes. Okay, I like Chime. Chime's a great. I've had Chim's a good.

I've had them since 2015. I don't need to get you on there. Lots of benefits, those, for people to sign up in my... I'm actually Chime Premium. I got the metal card. Oh, look at you. $46,000. $843.

What's your minimum to payment on these student loans? $321. Yeah. What were you studying? Neuroscience. Okay. Biology. Okay, well, zero dollars.

It doesn't matter. This was late at one point, but it's zero. Oh, you were very late on the student loans, and then you're like, oh, shit. Yeah, I didn't pay those for some time. It's not only made. They're in collections? Yeah, got like...

Are you saying you're better than others? Yeah. Well, I was working with a credit repair company, and they did get it taken off. and they recently just put them back on, I think. Whoopsie. $1,819. Yeah.

I think that's the only Sally Mae, though. It's that $1,800. $1,819, yeah, but it's in collections. Okay. Oh, no, there's more. More Sally Mae. $4,513. Department of Education.

We figured that. What is that? Well, it's on your credit report. Unless it's on hers, man. No, it's on mine. Okay, this is the sit-in-laws. We already went through that. I see systems.

You have another collections. $204. $204. I see systems. Yeah, not paid off at all. I have no clue. You don't know what that's for? I have no clue what that would be for. I made some bad decisions in my 20s, man.

And then you, okay, here's your chime. So she's getting Groupon. Church, El Pollo, McDonald's, bullshit, some Ramoun, some Ramon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. I told you she was the spend here. Amazon. Amazon. You were to, no, you actually spent more than her. Yeah, I know. And you're checking account.

And again, this is why I don't count. I don't count what's in your checking because everything goes in and out. So I'm not going to count that towards your savings. Your savings is 12,000 across the board. And that's not going to do a dent. You said you already took something. Combined, if you go through it, this is all bullshit. It's all bullshit.

Is this a different checking account? This combined one? Which one? No. Combined account activity. Oh, this is all your accounts together. Yeah, yeah. Okay.

Have you gotten to my stuff yet? 13. Yeah, we did one of your checking accounts. PlayStation, PlayStation. Was that pool? Hard. Really that bad? I'm so confused.

Clearly. Yeah, it was pretty bad. My? 10,000. When you hit the savings, but down from 12. Down from 12. Wait, what? Your savings from 12,000 down to 10.

Yeah. Well, so when I opened the P&C account, they told me that I had to keep $5,000 in my checking or else I would get a draft fee. More bullshit spending in that checking account there, but I'm talking about your savings, dude. Oh, well. And in yours, It went from 12,000 to 14,000. But that was just checking account.

Everything's in and out, so that's hard. Bullshit, bullshit, bullshit. It's just getting more and more and more bullshit. Yeah, it's a lot of bullshit. I don't really spend from my PNC, though. This is late. Now it's in collections. 21,000 hours from Global Lending Services.

Auto loan. That was my car loan. Oh, it's not. It just went into collections. No, it shouldn't be because we... No, I believe you it's in collections, but she has gap coverage on it, and, like, they didn't pay it off in time,

and then they sent it to collections, and then we were working with them to, like... Okay, so you're... working with them. No, no, no. We've got that settled. So it's done? Yeah, we just have to, I guess, call them and call them. Get that taken off. There's no debt owed on it. And $3,000 in someone's retirement. Who's? Uh, mine. It's like $4,000 now. Okay. Yeah, as a household, you guys are dramatically behind on retirement. Okay, let's try a budget with this. Very interested, especially for a high income earning. So, okay, income, $12,500. What's your rent?

$2,100. Okay, all utilities plus internet combined? like 24 oh wait no the rent is 21 and then in utilities is like electric gas water internet come on it's like 350 okay phone bill

167 why T-Mobile two lines okay well T-Mobile same towers with helium for 15 bucks a line if you don't on your phone I would literally switch today not poor do you use helium or T-Mobile T-Mobile T-Mobile

I can afford it and it's in my budget. We're not poor. No, you can't. You literally are poor. You're broke. You can't afford shit. So you want to switch. It's the same service, dude.

They include Netflix and stuff like that. They include some subscription services. You don't need it to survive. Use YouTube. It's better. I'll put 150 for now, but you search switch. Gas, room, room drive, drive. That's $300 a month.

Okay. Car insurance. I paid every six months. It's like $3,200 bucks every six months. Okay. Really? Really? So 533 a month? For both cars, full coverage, yeah.

Yikes, dude. You guys are terrible. Terrible. Yeah, we have terrible driving. Debt payment is... Shit, I just had it. $1,466.94. Yeah, and you're telling me you don't need to do poor people things. Yes, you do. Groceries. Kids on Titty, right? Yeah.

$600 then. Meal prep. T.P. Fun, anything else for you and the kids, and I know diapers and all the shit. Okay, $300. hours. Medical health here, are they co-paid monthly basis? No. I don't have any. You're on Wic and Medicaid. Yeah. Yeah.

We're not married. I know, but she's a single mom. It should it should account it. It's kind of disgusting. She's a single mom. It should it counted. That is disgusting. What do you get? I get like $50 of fruits and veggies and then

the rest they just like give me like milk eggs. How much? Okay. It's not like a dollar amount. Okay, then I'm putting $400 for groceries. Medical health care, what are your co-pays on a monthly basis? Zero. But we also bought a quarter cow, so we don't have to really buy meat anymore.

That's weird. Okay, subscriptions, $50. I'll try. Is there a gym? Yeah, $130 a month. Okay. Anything else that needs to be in this budget? Like my monthly maintenance?

I did. I put the TP fund as $300. I thought you watched the show. Oh. I don't care what you think your monthly maintenance is outside of that. That's not. Not a lot.

Nope. Almost like you have to budget for the first time in your life. Okay, so because you guys have a lot of leftover money, what I'll try to do is give you $1,000 for bullshit. There you go.

You put that towards what you want. Okay, that's because you guys make a lot of money. If sales go down, you cut that as the first thing. That gives you an extra $5,000 calls to $5,750 on a monthly basis. Well, all debt besides the student loans,

Do you need help? Don't help him. Let him be disorganized. I'm just kidding. He's helping us. Pay off your faxas literally two and a half months. What is wrong with you?

Prioritizing a portion of all this shit, you're a... You only live once, man. Yep, so pay your taxes. Like what? Government's not going anywhere. Actually... Oh, they're coming to get you.

So take away the student loans. Add in the collections for... pay off your debt in what's your dog's name? Nine months. Corn and pear. Okay, nine months

and you pay off your debt. What the fuck are you guys doing? You're just acting like children. You're selfish. And then you have a kid. Fix this. Get a fully funded emergency fund. Get your shit together.

What a pathetic. That's pathetic. Let's see who's really cheating today. So I'm going to go through their phones in the post show. You know I always find something. It's going to be incredible. We might call the mama's wop.

So let's get the hammer financial score first. spending it in a budget. You overspent zero out of ten debt. You have collections zero out of ten emergency fund. For your guys' actual needs of survival, it's about a six out of ten. Retirement, very behind for the household.

Very behind. I'd say two out of ten. It'll say zero out of ten. So certainly it is that savings. That got you, but it needs to go towards debt, really. You can wipe it off in actually like six months with throwing that towards it. Real hammer financial score,

and I bet if you're checking now that we've updated it, It's going to be a two out of time and get you to Calebhammer.com. Now, join us in the Financial Audit Post Show. By joining Hammerleet by clicking that join button below. You get three premium incredible shows every single day, six days a week. And you can also join in on the Hammerleet app or by going to hammerleet.com. See in the post show. Usually the women are more interesting, but this time maybe it'll be the fucking man's phone.

He's not going to have anything. Oh, we'll see. Who's that? Who's this? You too. Veronica. Why are you sending eye, like eye reaction emojis like her working out? I just launched the brand new Hammer Elite app available on every major platform.

So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join. promise. I want you to be on the next episode of financial audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin,

get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to Calebhammer.com slash apply or click that link in the description below.