Financial Audit - Financial Audit's Craziest Divorce

Starting point is 00:00:00 To watch episodes of Financial Audit a week earlier, check us out on YouTube. She went and followed some charges on me for some domestic stuff. What did she say? That I pushed her down. Come on. He was drinking and driving with the kids in the car. In the conclusion? My attorney told me that there was a warrant out for my arrest for it. Yo, you went to jail.

Starting point is 00:00:15 Why are you sending all this to... You said friend. We're not sending friends this. Yeah, but... Would you be insulted if she sent nudes to another guy? Very. That's fucking dumb. That mindset is fucking dumb.

Starting point is 00:00:29 I just want to. liquid assets my official gamer subs flavor raspberry apple at less than 40 cents a serving it's also zero sugar in under one calories use code caleb for 10% off your entire order oh and one out of every 10 tubs has my face printed right on it grab liquid assets at gamersubs.gg slash caleb or at the link in the description and pin comment below this is the best drop gamer has ever run. A link in the description. This is Virginia. I'm 26. And I'm Tony and I'm 28 and we're from Waco, Texas.

Starting point is 00:01:04 And this is financial audit. Hey, thanks for coming. Austin. You guys, happy to have you. Virginia. What do you do in Waco, Texas for a living? I am a patient care technician at a dialysis clinic. Sure. I hope you make money. Do you make money? What do you make? I make 22, 14 an hour right now. Okay. You didn't seem confident. in that number, but then you give a very exact cent.

Starting point is 00:01:28 Yes, because I'm supposed to, we were supposed to have raises put in on Monday, but they didn't put them in yet. Well, what's it going to be? Do you know what you're going to make? How do you not know what you're going to make? Because they didn't tell me how much of a raise I was getting. Okay, maybe you didn't get a raise. So what is your, how many hours a week? On average, probably 44, but it kind of varies.

Starting point is 00:01:47 Cool. What's your per paycheck pay? I want to say. And hopefully it's going up again. We just don't know how much. It's probably going to be like a 2%, 3% thing. Yeah, I'm hoping for five. But right now it's about 1,400 every two weeks. 1,400 every two weeks. Good.

Starting point is 00:02:04 So, Tony. I do field service on compressors and such. More trades related. Yes. Could be more money, let's see. I make 70K a year, but I pay a lot in child support. And so my bring home is... Well, that was your fault.

Starting point is 00:02:21 That's not your job. Your job's good. Trades are good. Yeah. That's all. me. Why are you dumping loads, dude? Are you guys married? No, not yet. Are you going to get married? Yes. Yes, next year.

Starting point is 00:02:36 How many times have you been married? Twice. Okay. You're 28th. We're going to be... You're giggling about that. That would actually make me incredibly nervous. I've also been married one time before. What the fuck is wrong with you guys? You're 26, dude. Yeah. What the fuck is wrong with you?

Starting point is 00:02:53 How have you guys been married this many times? I had a bad problem. problem with thinking with my little head instead of the big one. Yeah, I don't get married based on a penis. I f-based on a penis. I don't propose with my penis. The fuck are you talking about? I was coerced. Not like co-horsed, co-horsed, but like she...

Starting point is 00:03:10 Oh, I was coerced, except for, you know, I wasn't actually really... Coorsed. What are you saying? She was pushing me and just... That's what you say, no. Yeah, it was... Well, you got reffed into marriage? No. I was just, I was in a bad spot because of the first divorce. It was pretty short after that.

Starting point is 00:03:26 It was bang bang, pretty short timeline. Literally. Like the, just, you know, a few months after, well, probably a month after it happened. Oh, how long have you been divorced since your last divorce? About a year. Okay, that's kind of, are you guys engaged? Yes. Okay, that's kind of bang bang again.

Starting point is 00:03:44 How have you not learned this lesson? This is fucking insane. What is wrong with you guys? How long were worth you first? We were together for about seven years. When did you get married? How old were you? 19.

Starting point is 00:03:56 Uh-huh. I didn't know that. I never looked at the timeline, so I never knew. Okay. How long were you with your second? About a year, the entire. We got married within four months of knowing each other. Now, why are you having so many kids?

Starting point is 00:04:14 That was with my high school sweetheart. I guess you were together for a while. That's ultimately what led to the first marriage. Why did you get divorced? I was cheating on her. This fucking show. You didn't know that. Nobody.

Starting point is 00:04:35 Oh, giggle about it. He's giggling about cheating on his first wife when you were about to be his third. Yeah. I also didn't actually know that's why they broke up. I knew there was cheating back and forth on each other for a little bit. I don't remember if you. Tony, what'd you do? What was happening?

Starting point is 00:04:54 I was just off working on the road. and uh huh i was traveling for work i was doing wind turbines lizards no no no no no no just tender um going on dates because i would be in the area for three to six months and oh my gosh but why didn't you just like try to do like open or just break up or something you had kids with this woman why didn't you like ask permission or something because i'd get it six months constantly somewhere i mean yeah i would struggle uh she definitely wasn't open to it um well did you talk about it Not like it. Ever sit down.

Starting point is 00:05:28 No, but either way, even if she wasn't, if she isn't, then if you're a loyal husband, don't. How often are you fucking? It only happened a couple times. Uh-huh. How many years then? That was like all right at the end. I went out on the wind turbines and within six months we separated. What the fuck?

Starting point is 00:05:47 How'd she find out? This show and adultery. It's crazy. My Snapchat had my first and last name on it and one of the girls looked me up on Facebook and saw our profile and messages. She outed you. Yeah. You deserve it. Wow. What happened?

Starting point is 00:06:06 We talked about it. argued for a while. Argued. Oh, no. I stuck my dick in another woman without your permission. Yeah. So really an argument to be had? It was more just like her yelling at me. Yeah. And I've said about it. Not so much like an argument back and forth. And then...

Starting point is 00:06:21 This was two years ago, by the way. No. Based on... Oh, you're right, a year ago. No. Bro, based on your timeline of how, how, yes, it absolutely, based on the timeline of how long you're with your second marriage and you said this was the end of your first marriage, you only had a month gap between them too.

Starting point is 00:06:36 This is a year, year and a half ago. We've been together. I think I misspoke earlier. Okay, how long were you guys together? We've been together. So it's just two years ago. Yeah, it would have been. Two years ago, two and a half max.

Starting point is 00:06:47 2021. What? No, that timeline does not make sense. No, that timeline does not make sense. May I? Uh, uh, this, this, this is, I'm, I'm, I'm. I'm struggling here. No, you're just trying to make her feel like you're not going to cheat on her.

Starting point is 00:07:02 We separated and we got divorced and then we got back together. You got back together and then cheated again? No, I didn't cheat again. But that's when... Okay, hold on, hold on, hold on. You guys, you guys have been together for a year. That's you guys. One year.

Starting point is 00:07:24 There was a... How long of a gap between you and... Since you started dating her. Since you started dating her in your last divorce. There was a, I would say, a four-month gap. And we've been... It's been more than a year now. Yeah.

Starting point is 00:07:42 But not... It's just a few months. Maybe like a year and a half, if that. Four-month calf, gotcha. And you're with that X for a year. X two. One year. There was a one-month gap.

Starting point is 00:07:56 gap and you were with her for seven but that was we were separated for a while how long are you separated uh i don't remember exactly come on that's what i'm trying to think about but it was uh dude you're with her for seven years you've cheated at the end even with a little separation there's only one month between this and then a year there's four months before you guys got together so here's the thing i'm talking a year year year two two and a half years we were separated for like a year and a half maybe two years because we went through the whole we were divorced everything had happened and why leave you the second time then? She would never started dating somebody else and then he cheated on her and so she

Starting point is 00:08:32 came and started. Okay. I was the other guy. I was the other guy in that situation and I didn't know it and so that's when I left. But it really... Wait, she was cheating on him? With you? Yeah, with me. And so it really messed with me and that's why I just jumped into the relationship with X2 and it was really just a rebound. But yeah. How many women were you with when you cheated? Come on. I think for sure, one before we actually separated.

Starting point is 00:08:58 Not know. There might have been a second one before we actually separated. No, it's just a long time ago. Not really. It's really not. Kind of a blur and there was a lot right after it happened. At best, it's like four years. It's probably closer to three.

Starting point is 00:09:11 Dude, the reality is, she didn't even know. She didn't even know. That's why you guys got divorced. She didn't even, no. Dude, you're going to be his third marriage. He's going to be your second and he lost his first marriage because he cheated on her with multiple women. What the fuck?

Starting point is 00:09:25 Why are you getting? Why are you guys, guys, you met five months after his second divorce. The second divorce was absolutely crazy. You've only been together for a year and you're both going to get into your second and third marriage. What the fuck are we doing? Why are we doing this? So quick. When's your marriage?

Starting point is 00:09:43 The date is October 27. Yeah. Okay. You'll give yourself a little more time there. I can appreciate that. Thank. You don't feel like a rebound? Honestly, no

Starting point is 00:09:57 I feel more like a rebound Okay, so why did you get divorced? When did you get divorced? I got divorced in 20, 24. The end of 2024. Okay, so like a year, but you've been together for a year. Whoa, whoa, whoa, whoa, blah.

Starting point is 00:10:14 You guys got together immediately after her divorce. Yeah, well, no, not after her. No. Because she got divorced and then she was dating another guy for a while that she'd moved in. No, no, end of 2024, meaning like the beginning of 2025. You guys have been together for a year, which means at the beginning of 2025, if you guys, if you guys got together a year ago from the day.

Starting point is 00:10:32 Yeah, we started dating in March of 25. It was like four months after your divorce. Okay, March, three months after your divorce then. Did I say the wrong year or something? You must have unless you're... Probably. She dated a whole other guy for like a year after the divorce. It must have been ended 23.

Starting point is 00:10:46 Yeah, sorry. Yeah, ended 23. Why did you get to... How long were you with that man? I was with him for two months before we got married. your typical military marriage. He's deploying. I had no health insurance. It was a win-win. I got health insurance.

Starting point is 00:11:02 He got BAH and separation pay while he was deployed. We had a lot of fun and partied whenever he was stateside. Came back from deployment. It wasn't the same. What just partied mean? We just went out. Well, actually, we were kind of in the party house. We threw a bunch of parties. A lot of drinking. Just having fun. Yeah, they're aged you 40 years.

Starting point is 00:11:22 Probably. There's not really a connection, honestly. It was just having fun and then turned into a... How long were you married? Two years. What the... Why did you guys get divorced? He came back from deployment.

Starting point is 00:11:38 We kind of realized both that we didn't connect anymore. It wasn't a... I don't want to say a real marriage. We were married, but... Oh, yeah. There is no genuine connection. We had nothing to talk to each other about. so eventually I just decided to leave.

Starting point is 00:11:56 Okay, you left. Yeah. Did he know? Did you tell him? You're making it sound like you just kind of walked away. So he was actually deployed. Uh-huh. And, um...

Starting point is 00:12:05 Oh, come on. Yeah. Were you with someone before you broke up? No. Really? Really? Wow. Wow.

Starting point is 00:12:13 I will say I did entertain some people. Military? What's that? What does that even mean? There was one night where we were drinking. we went to Waterburger. There's a guy in the parking lot. My dogs were in the car. He came to say hi to the dogs.

Starting point is 00:12:27 And then we ended up two-stepping in the parking lot at Waterberger. And I was kind of entertaining him a little bit. What's entertaining him? Just talking. Okay, that's called talking. Yeah. Not entertaining.

Starting point is 00:12:39 We were flirting back and forth on Snapchat quite a bit. Okay, you sent nudes. Yes. Okay, so you cheated. Great. Dude, this, everyone's a cheater. I'm just convinced at this point. of cheater.

Starting point is 00:12:52 Guys, just go open. If you do, then people don't vibe with open and that's okay, then don't. Then break up or stay together. Be loyal. What is wrong with you guys?

Starting point is 00:12:59 I did actually have that conversation, though, about being open. It didn't work. Well, there you go. Yeah, you still sent nude, so you cheated. This is true. How many people do you send nudes to?

Starting point is 00:13:07 Just him, just the one. Both of you second and third marriage, both cheaters. Why are you confident this is going to work? I mean, I know I've changed. And the feelings. A couple of years? Yes.

Starting point is 00:13:23 Okay, how long of a gap between seeing that other guy you talked about? That was a rebound that definitely did not end up a rebound. How long was the gap between him and him? Between X and... I mean, Tony? Yeah. Maybe a couple months. Well, that's why you feel like a rebound.

Starting point is 00:13:43 Yeah, they broke up around Valentine's Day and then we started dating in March. Okay, so it was not a couple months. My bad. Sorry. Like a couple weeks. And by the way, it's not like, okay, so you learn stuff in a year? Because I know what happened. I was reading over during that entire conversation we had, which we didn't know most of that

Starting point is 00:14:03 stuff, but we do know what happened with that guy. He's living in a hotel. And you just fully funded his life. You let him in your cash up. You gave him access to your cash up. You were giving him money. You were just funding him. You can't tell me you learned your lesson.

Starting point is 00:14:17 It was a fucking year ago. Yeah. It was a year ago. You don't know what the fuck are you guys talking about. Well, with that, I learned a lesson that... Don't give a guy that's homeless your cash app? Yes. I don't know if you would need to learn a lesson.

Starting point is 00:14:31 To not let people take advantage of you. To actually stand up for yourself, said boundaries. That was a big one. Boundaries? She's not letting someone into your cash up. If we're on the boundary conversation with that, you're just a broken individual. Zero boundaries before this.

Starting point is 00:14:45 And then I think going through that and funding him and kind of... Funding him. How much money did you give him? I couldn't even tell you I know he didn't have a job for several months I was fixing his resume and turning in the resume applying to jobs for him and yeah

Starting point is 00:15:04 right around the end he finally got a job and yeah you take a guy where half his money goes to child support yeah because he can't keep it in his hands yeah how much you own child support I pay 1800 every month how old is what was your pay

Starting point is 00:15:18 70k a year okay now what do you actually make net on a monthly basis post-child support? I think it's 2400 monthly. You make less than her because of that. What is wrong with you? What can't...

Starting point is 00:15:34 Guys, don't... How old are they? Six and eight. We're going to be paying for this for a long time. You have any kids? No. God bless. Sounds bad, but I'm so good I didn't have a kid with that man.

Starting point is 00:15:48 Well, I'm sure you canceled the couple. along the way. Okay. Uh, fuck. Okay, so two kids. You guys are, what the, okay. So what are, what are we, what are we, what are we, what are we, what are we,

Starting point is 00:16:04 you guys are you together? Have you combined finances? Please tell me no. This point yes. If you're, sick and he said yes. Guys, you move so quick on everything. You're going to end up in another mess again. At least we're waiting until 2027 to get married.

Starting point is 00:16:18 Yes, I am actually glad you're not doing the, not, but you've already done the, biggest thing of all, which is combining finances. So doesn't even matter at that point. What are we doing? Getting a document sign that has a couple legal protections and tax benefits, sure, that'd be great. But other than that, you guys can combine your finances. Your life is now intertwined in a way that would take forever to untangle. If something bad happens, what do you guys think this will be the one? After you've popped out babies, you're paying for those. And after you just

Starting point is 00:16:48 cheating on military people, of course, is always happens. And you fucking out of the bs when you're with a wife of seven years, which is crazy, by the way. Why is this the one? No offense. Look at what life has done to you guys. You look literally 45. And the eyebags that you have in the discoloration around your eyes, it's like you have cancer or something. Like, something is, like you guys have gone through death and you're not even 30.

Starting point is 00:17:14 Yeah. I've been working hard a long time. Now I've paid child support. Yeah. And supporting him before I was on child support. Huh? I said, and I had to support him before I was on child support. We even fully divorced from the second one.

Starting point is 00:17:25 before you met her? Yeah. No, no, no, no, no. Of course not. Sure. So why do you guys think this is the one? I can speak for myself and the connection that I have with him is so much stronger and so much better than it was. I understand it's only been a year, but I mean, we've been through a lot of, a lot of shit together as far as figuring out.

Starting point is 00:17:55 figuring out finances together was really big. You haven't figured out finances together. You're on the show where I figure out your finances for you. This is true. So what have you figured out together? Then do it together? Navigating co-parenting has been a whirlwind. It is now good.

Starting point is 00:18:13 It's a wonderful relationship between everybody. And then I guess moving in together, moving out together. What? Yeah. Moved out together? Yeah. So. When we first moved in, well, we first started dating.

Starting point is 00:18:28 I, I moved in with her and her friend. You moved in with her when you first started dating? Well, yeah, it was pretty quick. How quick? It was in July. How do you guys not learn a fucking lesson? That was like two months later. How do you guys not learn a fucking lesson?

Starting point is 00:18:39 And the crazy part is in the beginning, him and I both were like, we've rushed it before. Like, we're not rushing shit this time. You've rushed everything. Yep. And then he moved in. You, he will literally put a baby. Can you have babies? He will put a baby in you.

Starting point is 00:18:54 Are you on birth control? Yes. What kind? The next one on. That's a shot in the arm. No, that's the implant. Oh, right. Oh, that's kind of what I meant.

Starting point is 00:19:02 Oh, sorry, there is a shot version. You're right. Okay, well, that's good. That's like the highest effectiveness. Thank goodness. Okay, I will accept that then. Responsible. Well, yes, basic minimum requirement with what happens between you guys,

Starting point is 00:19:15 because you guys literally can't control your impulses. Okay, so over a year you guys learned how to do co-parenting something that would just be required dating him, by the way. You guys move in quickly. You guys are happy in the honeymoon phase, so that's why you think this is going to be it for everything? I mean, I... Do you know your track record?

Starting point is 00:19:33 Yeah, and that's a lot of why I wanted to push the wedding back and not... But why have you combined your finances already, then? It's more so we do it through Capital One, so we have separate accounts, but they're combined. We're both secondary holders on each other, so we can see each other's finances, but she has her own... Why so quick? That is an excellent question.

Starting point is 00:19:51 I think back to what I said about which head I... I think with. Sometimes I don't always... So why'd you let him move in so quick if you were both like, nah? He was struggling to pay his rent and his bills. And honestly, we were...

Starting point is 00:20:08 Wow, that sounds like someone I want to move in with me. It sounds like I'm dating a loser who can't figure out his own shit on his own. So why am I supporting him? Yeah, but we had the discussion beforehand about his finances and what was hindering him from having that extra money. What was hindering him?

Starting point is 00:20:23 Attorney fees. I was having to pay for all the divorce and all the other drama that she brought up with the divorce. What was that? She went and followed some charges on me for some domestic stuff. They ended up, it was all bullshit. Was it?

Starting point is 00:20:38 What did she say? Before we hear the conclusion, what did she say happened? She said that I pushed her down or something. I don't know. I don't even remember. No, what did she say? That I pushed her down. Okay.

Starting point is 00:20:52 She also claimed that he was drinking and driving with the kids in the car and specifically said that it was a Michelada, which I don't know if you know what that is, but it has tomato juice in it. It doesn't really drink. I mean, he definitely does not like tomatoes. Tony.

Starting point is 00:21:08 Yeah. Yeah, no. I mean, don't even wrong, I do drink, but it's not like a regular thing. Like, I might go have a couple of years. Why would she claim that? Because she was just trying to... She's crazy.

Starting point is 00:21:19 Yeah, basically she told me right when we separated that I wasn't going to see my kids anymore, and that was just kind of an attack at me. I would she claim you pushed her down? I don't know. Okay, in the conclusion? I had to go to a divorce hearing, and so my attorney told me that there was a warrant out for my arrest for it.

Starting point is 00:21:38 Oh, you went to jail. Yeah, and so I went and turned myself in for it. They dismissed all the charges. Good. And so. It's crazy that you can get a, that like, unless you're like, you're, well, no, I guess I would rather people get arrested before going through the whole thing in case people are violent.

Starting point is 00:21:54 but it's so weird. Before you're even charged with it, it's so interesting to have to go to jail. How only were you in jail? I just spent the night. I went in... It's still crazy. Yeah, it's a...

Starting point is 00:22:05 Yeah, it's so interesting thing, how that happens. Okay. So you hear a guy that had court fees for... Allegedly, and turns out didn't, but allegedly push someone down and drove drunk with this kid, and you're like, move in? No, see...

Starting point is 00:22:19 We have different standards. This, yeah. For people moving in with us. Yeah. You and me. Yeah. I guess I'm not sure how much of that situation I knew

Starting point is 00:22:30 before you moved in. I don't remember. Girl, you didn't even know he cheated on his first one and that was the divorce reason. Well, I knew that he cheated, but I didn't know that was the specific reason. That's crazy. You guys are together now.

Starting point is 00:22:39 You're going to get married. You already have a marriage date on the calendar. Yeah. Well, after people with a military man and understanding the separation aspect, I just assumed that it was, you know, distance. Distance doesn't always work for everybody.

Starting point is 00:22:52 So I thought that maybe it was just, was gone for six months. She was at home alone with the kids and she just didn't want to do it anymore. Mm-hmm. Give me your phone. I'm going to be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections. Whatever. Your interest rates are different. Your payments are different. Your life is different. So why do you need some one-size-fits-all solution that treats you like a number? Some generic calculator that spits out. Just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck. They work to understand

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Starting point is 00:24:58 just the best budgeting app there is. Download it now, start the free trial, DollarWise.com, link in the description below. Okay, so what's going on today, guys? As far as what? We have a... What's going on? Spending.

Starting point is 00:25:18 Huh? Spend too much money, for sure. Okay. Who's Sussle? That's my brother. Okay, that's good. This is my best friend's husband. Is the guy I play video games with every now and then?

Starting point is 00:25:37 It's been a while since we played games. Okay. Messaging not too many weeks ago with him on Snapchat with disappearing messages. Just seeing if, you know, things are living up. Why are you sending all this? That was one of my friends from high school. It's been a long time since I talked to him. Okay, it actually has been a while, that's fair.

Starting point is 00:26:01 Your friends from high school, geez. I mean, you're sending interesting things to your friends. Yes. Okay, yeah, that was a while ago. Okay, let's not say friends. Come on. I mean, you guys are definitely flirting. Yeah, but...

Starting point is 00:26:14 Come on here. Nothing ever came of anything. Okay, let me see your phone. See if we're keeping up trends here, guys. If you're a few months into this, I've discovered a lot of things on my phone. Okay. See, this is why you can't listen to her to say friends. Yeah.

Starting point is 00:26:31 Yeah. That's fine. Is that, do we send friends that? Yeah. Like, that was a full on booty cheek, you know? It was in fact a full on booty cheek. Huh? Said it was in fact a full on booty cheek.

Starting point is 00:26:41 Yes, that's what I said. Okay. So, I don't understand why there's still, why do you still have them in your Snapchat? Well, I mean, it sounds like, I mean, for what's, it's weird, that's an older chat. He saved that. But what concerns me is the guy that she was just talking to a few weeks ago that she plays video games she was. She says, that's my friend who I play video games with. But if that's what we call friends, if we're literally sending full-on ass cheeks to our friends, that starts to concern me.

Starting point is 00:27:06 You know what I mean? I agree. It is concerning. Just based on our history. Just based on our history. I'm not even fully alleging 100%. I'm just saying, based on history. What are we doing?

Starting point is 00:27:22 Is that? Instagram. That's... Huh? We ride dirt bikes together. A friend. Yeah. Okay.

Starting point is 00:27:31 Well, lots of memeage to each other. Okay. Lots of memes. I mean, there's just lots of guys you are messaging in here. There's just... I'm not seeing anything inappropriate. Probably, maybe a month ago, because I was at home board. And I was like, I want to play...

Starting point is 00:27:49 Yeah. I don't even know what you're talking about. Okay, he was asking when you were coming to an area. That's my friend's husband. Okay, talking to your friend's husband a lot. Okay, okay. He sent me one message. That's okay.

Starting point is 00:28:03 It's okay. What's this paired thing? Oh, that's our relationship app. Why? It gets us talking a little bit more about what's going on in our lives rather than just... Are you guys struggling? No, we started doing that when we first started dating. Just to have different conversations than your typical...

Starting point is 00:28:20 It has like... Getting to know someone conversations. Three different questions that it asks you every day, and they're just random and you answer them and both see what the other said. Okay, so just based on our history, just based on our history, do we have any nerve? Cheater, cheater. I know that I haven't done anything. I think it's concerning that, you know, calling people friends, but... Well, yeah, if we're sending ass cheeks to friends,

Starting point is 00:28:45 and then you are talking to that gamer guy a lot, come on. Right? I mean... No. No? I think I messaged him once and asked him if he was working. Would you play video games with them? I don't really play games anymore. You just said...

Starting point is 00:28:58 How is the story changing there? It's not changing. I don't play anymore. I wanted to get back into plane And I don't play Call of Duty unless I have a friend to play with My best friend works a 9 to 5 Monday through Friday So she can't play with me while I'm off

Starting point is 00:29:14 Is a police officer So he works the rotating schedule So I never know when he's going to work So I have to ask him if he's free Before we can hop on the game And again, I'm not playing by myself Your phone so far looks clean on Snapchat.

Starting point is 00:29:34 I can't see the last time Tinder was downloaded, but it is not downloaded now. I don't know how to see the last time it was downloaded, but it is not downloaded now. And I deleted it after we agreed to both delete I deleted my full-on account.

Starting point is 00:29:49 You know, so you guys went official, right? Yeah. Okay. Okay. I think we're safe. Are you not nervous? would be nervous. So based on our history, how quickly you guys move, dropping loads and cheating.

Starting point is 00:30:04 You both cheat. Okay. Not nervous. Okay. I think a lot of what makes me feel better about it is I've never had the desire to cheat on Virginia. Well, you've been together for a year. Well, wasn't it like seven years into your first marriage when you started cheating? Yeah.

Starting point is 00:30:21 I would say right at the very beginning, there was a different time that that happened. But that was when we were still in high school. Right. High school is forever. It's different. And then everybody that, like, I dated or entertained after that. What do you guys keep saying entertained? Because I wasn't...

Starting point is 00:30:38 I wasn't having a relationship, but I'm not sure how they felt about what we were doing. They probably all thought you were on the road to a relationship. Okay, so what are we talking about today, then? You all have combined your finances. Some way too early, in my opinion. especially with just how quick you guys move. So what's going on?

Starting point is 00:31:00 I'm also trying to find out she's got a whole separate account that she puts $600 into every month that I don't get to see. Why? If we're combining to get like eyes on everything, why is there a separate $600 a month account? So I mean, in the beginning,

Starting point is 00:31:17 when we put all of our finances together, I think it was like maybe four to six months of us being together where we decided to have access to each other's bank accounts. I thought it was a safe idea to go ahead and have a little bit set aside for myself. And then I just never changed it. I asked her to see it, and she just kind of brushed it off and changed the subject and said she'd rather not. I don't think you've ever actually asked to see it.

Starting point is 00:31:44 He just said he did. I mean, it's a lot of the charges on that account that I get mad at him for. So. Huh? Yeah. So like the, what does that even mean? The gas station, fast food, stuff like that. That's my, that's my bad account where I just spend bullshit money.

Starting point is 00:32:06 So backstory, she was watching the show first, and she was telling me how I was messing up on my finances. And so I started watching too. But then, you know, come to find out she was doing all of the exact same things and just hiding it from me while getting on to me for doing it. would it make you feel better or worse that she literally, out of all the statements she sent, did not send us this statement. Why? We got a statement for

Starting point is 00:32:33 everything. She says that she couldn't get it, but we'll see. All then screenshots. It told me specifically not to send screenshots unless it was unless you couldn't get statements. I didn't see that part. Or something, right? I thought it was just if it was like a, what is it, like afterpay or something.

Starting point is 00:32:48 Let me see it. I mean, that's pretty easy, right? Yeah. Does this cause drama? A little bit, but I don't know. It's also, you know, it's her paycheck going into it. It is, but if we agreed to go combine so we could all get eyes on it. If she has to get eyes on you, it's weird that she's hiding something. I agree.

Starting point is 00:33:11 It's also weird that she didn't send a fucking screenshot or something. This is $300. That's the one you spoke $300 in. That's from today. Okay, so she put $300 in today. But it auto, like, I have direct deposit $300 into that. When you stop in Dollar General get $11 to stuff, what are you getting? That was dog food and dog toys.

Starting point is 00:33:32 But I used cash, and then I spent the rest of my card. Okay. Well, that also becomes difficult when things are in cash. It's hard to try cash. Kingwood Bowes. What is that? I don't know. I did get a coffee the other day.

Starting point is 00:33:51 Well, it looks like some kind of... It was a coffee and a... breakfast phone or something. I made it's $15.15. I spent $3, $4 at the gas station. Yeah, it was a bowl and a coffee. Well, $30 a $10 of Pando Express. But you're getting on his ass for a couple dollars to the gas station? $30 to Panda Express was for me and for him. I brought it home to him.

Starting point is 00:34:13 Okay. That's still, I'm, like, I'll stop at the gas station, spend $3, $4 on an energy drink or maybe $4 on some tequitos. You agreed to go to Panda Express. I asked you, If you want food, you say you want Panda Express because you don't want to cook anything, and I'm going to get home late. So I got Pando Express for both of us to eat. I don't know.

Starting point is 00:34:33 Okay. $102 in Marshall's. Old Navy, $57. I lost weight, so I have to buy new clothes. How much did you lose? I think from the beginning, probably 30, 40 pounds. Okay, that's good. Congratulations.

Starting point is 00:34:50 Thanks. Old Navy. Yeah, that's my paycheck. So 100 out there, some pets smart. I mean, it's not, I mean, it's, it's, what are you getting at Pets Smart? Some bullshit. I had to buy that big ass dog, a kennel.

Starting point is 00:35:05 That's right. Or some bullshit. I mean, $20 a chick filet there. Some bullshit, some not bullshit. It's, it's a mixture of both. It's a mixture of both. Yeah. Wings and more, $44.

Starting point is 00:35:17 Farmerhouse Frozen yogurt, $22. Farmhouse frozen yogurt, $7. Chucky cheese, $67. I had the kids that day. Uh-huh. This is ridiculous. It's a lot of bullshit spending. I had the kids and I was already in Brian.

Starting point is 00:35:33 What was I supposed to do? Take him home? No, the thing that concerns. Yeah, there's a park right down the road. So I'm supposed to drive an hour back home, hang out with them at home just to drive them back the same day? There's a park right by their house too. And we went to the park and it was hot. They didn't want to be there anymore.

Starting point is 00:35:49 There's literally a splash pad. I'm aware of that. I tried to get them to play in the splash pad and they didn't want to. They went in? That's why you're the, parent and you make a decision. The thing that concerns me, though, is like if in the relationship you're railing on him for spending bullshit money, which is relatively fair, but then you hide your own, that dynamic

Starting point is 00:36:09 just becomes kind of... It's a little manipulative. That was a weird way to say that. I mean, I don't... I bought him food. I went hung out with the kids. Okay, that was one time, but there was lots of bullshit purchases we just went over in there.

Starting point is 00:36:25 You don't have to spend 100 whatever it was on clothes Oh great, none of you should spend money on bullshit But the thing, well, okay The clothes thing, she lost weight I mean, you do need clothes But you don't have to go spend $100 It's, it's a, you know

Starting point is 00:36:38 It's Marshall's, it's not It's literally Marshalls $100 at Marshalls goes way further Than if I just went to the mall And decided I'm going to buy jeans today It'd be $100 bucks for one pair of jeans So I'm saying like that's I literally got so many pairs of shorts

Starting point is 00:36:52 I got some tank tops I think Guys that's not the issue that I'm bringing up, why go so hard on him for spending money on bullshit, which, again, I think that part with in general is okay. But if you are hiding your money that you're spending bullshit on. I understand I spend money on bullshit, but he is at the gas station. That's not the criticism. The criticism is why do you get to rail on him for his bullshit spending when you hide yours?

Starting point is 00:37:15 Because I feel like his is worse. Is that true? I don't think so. I think we're about equivalent. The gas station shit just really adds up. really adds up. He'll be like, well, it's only $3. Yeah, $3 four times a day. Oh, I agree. That's bad.

Starting point is 00:37:30 But why do you get to criticize that if you are hiding your bullshit spending? I mean, it's not like I'm hiding it on purpose. Who's the responsible one here? She is. As far as she's better at- I keep track of the payments when they're going to come in, when they're going to go out. So that's my little tidbit of responsibility. Okay, well, in the pre-interview, he called himself the responsible one, but.

Starting point is 00:37:56 I would say of lately, but she's definitely been blowing money left and right, and I've been trying to do better. Then just today we went and got, well, McDonald's. What's the dynamic? And stuff did the guests? What's our communication around finances? We talk about it. We sit down and look at it and we agree on a budget, and then neither one of us sticks to it. No.

Starting point is 00:38:21 Why? Oh. No. The last time that we talked about money, it kind of went. more like that, but before we decided to like sit down and attack it 100% together, it was, I refuse to open the bank account because face ID takes too long. So he never knows how much he's spending, literally will overdraft in his checkings account while he has money sitting over there in his savings account.

Starting point is 00:38:43 And it doesn't make sense to me. If you have money, why are you overdrafting in your account? Oh, because my face ID takes too long. It's face ID. It's not that the face ID takes too long. it's that I drive a lot and so if I'm trying to drive and check the bank account So that's where face ID literally comes in handy

Starting point is 00:39:02 The face ID when it doesn't work Then it goes over And then you got to manually type in the password And so that's aggravating and I don't do it So you'd rather overdraft? I just don't check. You know I can't make it make sense But it does happen and it is what it is

Starting point is 00:39:18 No, it's not it is what it is That's your lazy piece of shit Quite literally never looks at the bank account We'll never know how much money is going in or coming out or when she's looking. So that if you can spend it or not. Exactly. Right?

Starting point is 00:39:31 See, that was my thing with my- With my bullshit spending. I know how much is in the account and I know how much I can afford to spend. He doesn't look. He doesn't know. And then next thing you know, he's negative. She didn't overdraft.

Starting point is 00:39:44 That is true. Negative something dollars. Why do I hear that like you want to give him an allowance or something? Wouldn't that just be further enabling that behavior of him not learning? What is this is you wanting to give him an allowance? So the conversation is, that we had were that he's better with cash because he'll keep track of how much cash he has because it's right there in his hand instead of having to open an app and use face ID. So the idea

Starting point is 00:40:05 was to let him have X amount of money from every paycheck. Ready to take your investing knowledge to pro level. This is Fidelity Connects, your daily edge in the markets. Get deep insights on real-time market topics that may impact your investment portfolio. Listen to Fidelity Connects on Spotify today and power your next move tomorrow. get and we get paid opposite weeks. So it'd be... Why do you need her to be mommy? What the fuck is this?

Starting point is 00:40:32 Can you not man up to? Dude, you're older than her? And I was also supposed to tell him how much she's allowed to spend each time we get paid. Why do you need mommy? I don't think that I need a mommy. I just don't want to deal with it.

Starting point is 00:40:43 That's you needing mommy. Why can't you grow up and be an adult where you have to deal with it? Because you have to deal with it. You need to be a fucking adult. I think it just stems a lot from I made really good money for a while and just didn't have to look

Starting point is 00:40:54 and knew that it was there. Guess what? Things have changed. How long has it been since it changed? About a year now. Okay. Then why do you need mommy? I don't think that I do. I think I would just rather that she did do it. It's that way I didn't have to. Is that how you want your marriage to be? No. No.

Starting point is 00:41:11 Okay, then what the fuck are we doing here? Guys, this is why we take time before we go into a marriage, before we move into each other, before we combine finances. You don't know this. You're learning it now on the ground. Mm-hmm. In the moment. Mm-hmm. I didn't even fucking know why they got divorced, dude. I mean, come on.

Starting point is 00:41:27 I'm trying to get him to be better. Well, guess what? He just said he doesn't want to and he wants you to control it. So what the fuck do we do with that, huh? Give him an allowance. No, you're literally just enabling his behavior. You're okay with that? Because that is you being mommy.

Starting point is 00:41:41 At least it is a set amount that he can spend and it's not just, I'm not looking at the card. I'm just going to swipe it. You're okay with being mommy. That's pathetic. How are you not embarrassed? It's his money too this time. That's embarrassing. How are you not embarrassed?

Starting point is 00:41:57 He is a father of children. Mm-hmm. And you have to mother him? And you're okay with that for the rest of your life. Just in the finance area because he just doesn't look. I feel like I take care of most of the rest of everything else. What's that? Like the taking care of the house and the dogs and all that stuff.

Starting point is 00:42:15 He honestly does do more around the house and with the dogs than I do. Dude, dogs are easy. Yeah, but I'm not... What's the fuck what are we talking about here? I'm not saying that it is a lot. I'm just saying that. This is financial communication. This is going to determine one of the leading causes for divorce in this country

Starting point is 00:42:28 for the rest of your lives and temporary marriage. Hopefully not temporary. Well, I'm going off just a trend. That and another thing is, is in my previous marriage, it was, you know, she didn't work while we were together because she was taking care of the kids. And so the dynamic there was 100%. I was making the money and she was taking care of. of the finances and she handled it, she paid the bills, and she just managed the money. So I was

Starting point is 00:42:58 very accustomed to that from a previous relationship. And so I still kind of have that expectation. I went straight from that to having money and not looking and just, I had money, so I just swiped it. And then I had no money. And so I just wasn't swiping. And then now, you know, back to making money. Now you just want her to take care of it? This is so, it's so weird. I mean, I have in your notes that, well, I mean, you feel like you have to mother him. So, I mean, that's, and that's obviously as clear as day, but that you feel like she doesn't respect your opinion. What does that even mean?

Starting point is 00:43:31 And even, why should she? If she has to give you an allowance, why the fuck should she respect your opinion? What opinion do you get to have? I, uh, I, I think I have good opinions, honestly. No. There's a guy who won't even look at his own bank account. Tell me about this. About paying down our debt and, you know, trying to...

Starting point is 00:43:56 I'm not... That's exactly what I'm telling you, is that we've sat down and talked about this things and we just not stuck to it. That it's not a matter of... that we haven't tried, but we just don't actually try when we discuss it. I feel like before I was trying.

Starting point is 00:44:11 And that's... I did spend a long time of, like, trying to actually better my credit, better stuff like, and then I just fell off. Why? Just wanting to... Self-assess. It was just wanting to go party.

Starting point is 00:44:23 Wanted to have fun. What is this part? What does this you guys go party thing? You brought a party. He's bringing a party. This is what, dude, 28. What are you doing going party?

Starting point is 00:44:31 Oh, it's not anymore. This was when I was working, like traveling on the road. That was all I was doing. That's so long ago. We're talking about today. Oh, yeah, today. Now I'm just recovering.

Starting point is 00:44:39 She doesn't listen to your opinion. Because I'm still. What opinion? No, we should pay down. About paying off the debts? Like how we do that? You don't even know the, you don't even know the finances of the house.

Starting point is 00:44:49 You don't even know it. I have an educating opinion. Because, you know, she went and bought a truck. Why? I thought you're the responsible one. Okay. So. I had a truck already, so it's not like we actually needed one.

Starting point is 00:45:04 First of all, I was like four months into us dating. And he was like, oh, you can use my truck whenever. But, okay, so I bought a dirt bike. And I needed a truck to transport the dirt bike. Fuck off. He said you can use his truck whenever. I told her it was a bad idea. I was dating him for, like, four months.

Starting point is 00:45:20 months. I cannot trust within four months that I'm just going to use his truck whenever I want and he's going to have no problem with it. That doesn't make sense. Even if not, my advice to her for that was, is you have a car that you just finished paying off instead of buying a truck, use mine and just put the truck payment that you're willing to make into a savings account. That way you have a down payment if something does happen and we break up and you don't have my truck or something, you know, for any reason. And then she doesn't want to do that. That's stuff like that and she doesn't actually listen to the advice that I do. You're four months in for what it's worth.

Starting point is 00:45:51 So I mean, but even still, it was probably, it was a stupid choice for sure. Yes. Definitely. How much for that ring? 120. Okay. So how do the conversations go then?

Starting point is 00:46:03 A financial conversation happens. What's the topic? How does it go in this house? Mostly her bitching at me about spending too much at the gas stations. And what do you do? Tell her get me cash and I'll pay attention more. So it's actually, it's less of a... And I wouldn't call it a...

Starting point is 00:46:17 allowance, I would say that it's budgeting. His bullshit spending Well, I wouldn't even just say that. I think it's his anti-you-bitching Adam fund. I think that's why he wants it more than you mothering him. If you're bitching at him constantly and it's his miserable

Starting point is 00:46:32 whore to be around at home, like well, yeah, he may as well do the thing that's a little less freedom but at least he doesn't have to listen to his wife. My Gamersup's flavor is finally here. It's called Liquid Assets. like Raspberry Apple and success.

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Starting point is 00:48:18 We have energy drinks at home. We have drinks at home. And yet he just doesn't take them. He just decides... Well, that's fair. Actually, I would nag and bitch at you. So I think it's justified. Then it's like three times at the gas station.

Starting point is 00:48:30 Take it. Be a man. Take it. You were the problem. She nagged at you. Yeah. And that's fair. You know, I forgot my lunch.

Starting point is 00:48:38 It's a... I'm very, very forgetful. Every day forever. Literally so often. Yeah. It's a... just, it does happen. Sometimes it is, I just don't want to eat it.

Starting point is 00:48:48 That happens sometimes, too. It's a mix. But the, uh... It's absurd. It's absurd. Here you go. This is Gamer Subs. Shake it up with the powder in.

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Starting point is 00:49:12 Gamer Subs. Get your free samples. Figure out what flavor. you like, link in the description below. You use the discount code Caleb and then it's 40 cents to serving with my 10% off. Link. It is delicious. Guys, check out my flavor.

Starting point is 00:49:23 It is so fucking good. No more energy drinks, man. Just like you got to make your coffee at home and you're on a budget. Make your energy drinks at home. What the fuck is wrong? I even bought a curing because I had an espresso machine, which honestly the pods, I don't know if you know, but the pods for an espresso is expensive.

Starting point is 00:49:38 Yeah, but it's so cheap than going to Starbucks. To Facebook Marketplace, found a curig for like 10 bucks. Got that. Have the pods. And she still gets coffee from wherever it is that she goes. My coffee is free. I don't ever pay for my own coffee.

Starting point is 00:49:51 Well, I lied. I did pay for coffee the other day. Didn't we just see it? Yeah, we saw it literally. It was one coffee. No, but every time I gave her truck, there's some kind of, some kind of cut from somewhere. Because somebody else at work buys me a coffee. Yeah, and if that, it's fine.

Starting point is 00:50:05 If someone else that works at your coffee. Huh? Said more friends? Yes, all of my coworkers. I don't know. Yeah. I mean, you both are cheaters. Like, I would have a hard time.

Starting point is 00:50:16 Trust him. I would. That's fair. Come on. A couple years into this thing, you guys are fighting about money. Yeah, someone's going to go stick it in or get stuck in. You can literally look and see how long ago it was that I've messaged him.

Starting point is 00:50:28 You can also go look at his Facebook account right now and see that he's engaged as well. That doesn't stop. It's weird that you know that and they all still, you know, are on Snapchat. Because, I mean, we were friends. Don't get me wrong. There was like a weird little period where, We were both learning with each other.

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Starting point is 00:51:08 And you call them a friend. Oh, no. And we know what you do with your friends. No, I literally send cheques. I never met in person. We're from the same. It doesn't matter. Your first cheating was sending nudes.

Starting point is 00:51:20 I'm telling you. Would you be insulted if she sent nudes to another guy? Very. Okay. See, then you don't have to meet them. Then, I mean, I don't understand. I don't. I hope not.

Starting point is 00:51:30 You guys don't have a good track record. I don't. You know, yellow flags in yours, no bread flags or anything in yours. But, again, I'm not saying you are now. But just based on what happened last time where you guys are, you know, in like weird marriages, things are going hard.

Starting point is 00:51:43 You guys don't fix your finances. You guys continue to argue. Push blame on each other. Two years into this, leading costs for divorce finances. You guys are arguing all the time. Someone's going to get it stuck in or stick something in somewhere. I mean,

Starting point is 00:51:55 that's just your guys' natural reaction is to cheat. That's what both of you did. It's like your natural reactions when things are not easy. You lash out by f- I think that I feel a little bit like I've grown out of that. Maybe, but I doubt it. I mean, you're a guy with a penis. Yeah.

Starting point is 00:52:12 You're paying child support and you're a woman with a pussy. Like, you want to get it filled. That's what happens every time. Like, this is not, that's your guise past. What do we think our household financial score is today? Zero out of 10, zero to 10, zero being the absolute worst, 10 being the best? Maybe a one. Maybe a one and a half.

Starting point is 00:52:32 I'll be generous. I'll go to 0.5. Guys, we have revamped the Hammer Financial Score. If you've gotten it before, see the more accurate version now. Calebhammer.com. It is free. It just takes a few minutes to take and you can see where he's standing in the world the money where you're doing poorly, what you need to do to improve your finances and what

Starting point is 00:52:46 you're already doing great. And if you don't want to be like a guest who ends up on this show, guys, make sure to download the Dollar Wise budgeting app, take the free trial. And if you like it, most people take the annual version because they save a lot of money and you get the physical version of my 30 day meal plan signed by me mailed directly to you and the digital version of our cookbook. Check that out. Calebhammer.com, dollowise.com, dot com, all those links below. All right, guys. Let's see. I have a checking account first. That's rare. That didn't mean something's Kind of. What I'm looking at here?

Starting point is 00:53:14 Capital One. Probably both of us. Is this the combined? That might be the combined one. I'm assuming it's the combined one. I have two checkings and two savings. And there's Capital One. Okay.

Starting point is 00:53:26 Okay. Okay. See, what the fuck are we doing here? Why are we purchasing on Amazon if the account is negative? Why are we purchasing from the corner market, $5,0.41 cents? What is that? Energy drink? That looks like an energy drink.

Starting point is 00:53:37 Yeah. If the account is negative, dude. The account is negative. I wasn't looking. I had no clue. That's pathetic. Grow up. Stadium concessions.

Starting point is 00:53:53 We're purchasing $31.50. Who did it? Probably both of us. Yeah. Well, hey, you're the looker. You're the responsible one. You were negative. Yeah.

Starting point is 00:54:03 Negative. Yep. Why were you purchasing $32 from concessions if you were negative responsible one, adult mother? We were at a football game. game and it was really hot. Wow, that changes it. It was really hot. You can't bring outside drinks into a football game. Wow, so we should purchase what we're negative. I'm not saying we should have purchased when we were negative. I thought you were the responsible one. I thought

Starting point is 00:54:25 you were a mother. Mother. If I need a drink and it's hot outside in Texas, I'm going to get a drink. You guys got more than a drink. It was $32. Probably some snacks in there, probably some cotton candy or some. That's interesting. That's interesting how it slipped in for our hydration. The kids were with us that day too, huh? I don't remember. Well, who purchased on Amazon for $51. $41. sense. Not me. Okay. Why'd you do that when you're a negative? Mother? Responsible one. Mother?

Starting point is 00:54:51 Huh? That you're the one that looks at your account. No, no, no. Huh? This is connected to his card, so that was not me. This account is connected to his card. His card is not on my Amazon. That's all four of them. Huh? What I'm talking about? Okay, we stopped and got an energy drink. That's you. Well, negative, because you won't look because you're pathetic. Travel Center, $49.40. What was it?

Starting point is 00:55:16 Huh? Probably gas. Okay. Amazon Prime, $8.11 cents, while we're negative already. That was probably the subscription. That's the price. Tavern. $44.17.

Starting point is 00:55:32 Something tavern. I don't know what that is. Oh, great. So you, the responsible one, $44. Well, negative. That's what pushed in negative. actually. What is wrong with you?

Starting point is 00:55:46 Or no, that was the end of the negative. Frizy. The payroll came in and it saved you. If it wasn't for that, you would have still been negative, but we're still doing bullshit. That's what he always lends on. Dude, what are you fucking talking about? You did concessions, you did the tavern.

Starting point is 00:56:01 I know, I understand. You did the Amazon spending. Sorry, the Amazon spending was $97.41. Like, what the fuck is wrong with you? That's while you were already negative. I'm just saying he lets it go negative. and his thought process there. How can you possibly push blame on this?

Starting point is 00:56:15 I don't spend on his card. What? You just did there, stadium and tavern. That's not me, no. He says he doesn't purchase on Amazon. I don't. Yeah, he does. Show me your Amazon then.

Starting point is 00:56:27 But his thought process is, I'd rather overdraft my bank account because there's no fees rather than spend on a credit card, which end all, be all, you don't have the money, don't spend the money. In my defense, it is...

Starting point is 00:56:42 In your defense. It is, there is no... no overdraft fees or anything like that. And so that's the main reason that I don't care. No, but you likely have a minimum balance fee. So this isn't possible. He's only had one purchase. And it was 1998.

Starting point is 00:57:00 So these purchases were you. Maybe that was a bookshelf or something. We did buy a shelf. He has some work stuff in his cart. That's not work. So pull up your Amazon. You just got a 3D printer. Oh.

Starting point is 00:57:16 Okay, don't purchase that stuff, you freak. I got the 3D printer for free. It was you. Yeah. Not for that amount of money. Yes. No one, okay, there was no other purchases he could have done that. That's a, what is that?

Starting point is 00:57:30 Co-hangers and dog collars. Shot collar. We don't shock the dogs. They get beeped. We have six acres. I like the beep. The beep is good, but they just get beeped. Make sure you turn the shock down to literally, I think it's the one's the lowest setting.

Starting point is 00:57:45 so that if you accidentally do it, because one, I felt one, you can't even feel it. Yeah, no, it's a, the buttons are very, very different, and they have very good space between. Mountain bike tires, but you have 11 things in your car. Oh, yeah, I have a lot of my car right now. I'm really bad. Don't get that farmhouse kitchen bullshit.

Starting point is 00:58:03 That's so shit. Batteries, that's okay. You don't need this. We almost ordered that sponge bob. You don't need the sponge bob shirt. You don't need that sponge bob shirt. You don't need that SpongeBob cup. You don't need that SpongeBob shirt.

Starting point is 00:58:13 The SpongeBob violin. You don't need that sponge bob. that queen said. You don't need that queen's fucking. Fuck you. Fuck you. Nothing's funny. You guys are literally like on bankruptcy. Your bankruptcy will be hilarious. The entire internet will laugh at you. Your divorce will be hilarious. Your third,

Starting point is 00:58:28 your second. I'm just saying the violin would have been funny. And even in those situations Why is that even funny? What are you talking about? Shut the fuck. Shut the fuck. Shut up. So you got some energy drink. Cash app out. Crickets. $37. Crickets. I don't even know what that is. Oh, that's a restaurant.

Starting point is 00:58:45 Why are you guys going out so much? This is crazy. You got energy drink. Energy drink. Energy drink. Energy drink. Fatty smoke shop. Vapes. Who?

Starting point is 00:58:59 Both of us. What is wrong with you guys? There's always the hicks that can't control their spending. Just vaping their lungs away. Why? Why? Why do you guys do this? Addiction.

Starting point is 00:59:11 Yeah. When'd you start? I started vaping fairly. recent, not recent, but like within the last few years, I, I started, started smoking when I was 12 and then I quit from the smoking cigarettes to the vaping. You were dipping sometime in between there too. Yeah, I was, well, I was dipping at the same time. I was doing both. Ew.

Starting point is 00:59:32 Uh, ew to the dipping. Ew, for all of it. You're barely better. At least mine, it tastes like blue raspberry. Yeah, you're killing your lungs. Ice. Shut the fuck. Dude, you look 40.

Starting point is 00:59:44 It's true. Look what you're doing to yourselves. You know what? At least I'm having fun. Yeah, and you'll die before you're actually 40. Okay. And you, how long? How long?

Starting point is 00:59:53 I probably started when I was 20. Why'd you even start at 20? Because I thought it was a funny ha-ha joke. Oh, just like the violin. It's hilarious. Let me get addicted. I'm going to hit this without coffee in my lung is out like you did. And then next thing I know, I'm out there buying my own babes.

Starting point is 01:00:10 You learned to dance like that sarcastically? Yeah, I guess. So. What? pretty yes, I was going to say that's exactly what you are. We don't need to do

Starting point is 01:00:20 $38 on Bath and Body Works or $42 on the candlebox or earthbound for $40. Oof. We can't afford life, guys. What the fuck are we doing? What the fuck are we doing? Zellian are a lot of money.

Starting point is 01:00:34 Travel center, but that looks like not gas that time. If it's 900 for Zell, then that's just rent. It was $2.92. Oh, then that was utilities. Zell? Who are you zelling?

Starting point is 01:00:45 My dad. I rent from my dad and the utilities are in his name, so I send the... Dad. What? What's your rental situation? It's his property. On his property? Okay.

Starting point is 01:00:57 Well, like a mobile home? Yeah. Oh, you guys are just so hick to the bone. It's a nice little single-wide. You own the mobile home, though. It's in his name. Shit, man. You don't have anything.

Starting point is 01:01:10 What is he even going for you? Does he live on the property? No. Okay, that's good. It's his property. Privacy, right? No, I still don't have privacy because it's his land. It's his house.

Starting point is 01:01:20 It'll just show up to the house. How often is he showing up? His, not like he comes in the house or anything like that. He just shows it. He has cows that he puts on the property. What? He comes up. We live on six acres, and so we live a little bit outside of town.

Starting point is 01:01:36 And so. Well, I would assume cows. And so he just, he puts a few of them out there. Do you like it? Because if we're making goals and stuff. Yeah, in the middle of nowhere, cows, dad always shown up. Uh, no. No.

Starting point is 01:01:50 How often is she's showing up? Because it is, I mean, like, I, I love my parents. Like, I get it, but like if they're just like endlessly showing up, it's like, what are we doing? How frequently? How frequently? But, I mean, maybe once every couple weeks and they'll just come and do random shit in the yard. We came home from a dirt by grace and there's a random-fraperty. Fence in the yard that we had discussed it.

Starting point is 01:02:12 Why do you guys live on his property then if you hate it? I don't hate it. Well, she does. Your wife. Because we pay significantly less in rent than where we would and, you know, somewhere else. Plus, at the end of the day, I already know that when he passes on, that that's getting left to me, like the property and stuff like that. That doesn't mean you have to live on or now. I mean, how far are you guys away from work?

Starting point is 01:02:39 I just walked to my work van every day. He travels for his job. What about you? Sounds like you're far from town. Yeah, no, I'm driving an hour and 20 minutes one way. So she doesn't like living there because she's far from everything. She's an hour and 20 from work. Oh, my gas bill and maintenance on car.

Starting point is 01:02:56 And the dad and cows always show up and she doesn't even want that. Why are you forcing her to live there? She's your wife about to be. I'm not forcing her to live there. I can't agree that it is cheaper and I can appreciate the fact that we have what we have for. What she spent on gas a month? A lot. How much? And that's what I was...

Starting point is 01:03:12 How much? I want to say probably 600 bucks. Okay, see. Imagine if half of that went to rent combined what you're giving to dad. You could live in civilization. But he's convinced that if we move off of this land and out of this house, so he lived there previously, then he moved in with me.

Starting point is 01:03:28 He's convinced if we move out of that again, that his family will disown him, and he won't get the land anymore. It's your dad's property. Why would he do that? Because I know that he doesn't want to sell it, but it would put him where if he was having to make the payments where he would have to sell it. The whole reason that he got put there was to help me out.

Starting point is 01:03:46 Why the f***s he have it if you can't pay for it? He's doing cattle on there. He's not making money? The property is the house. Oh, the payment on the single-wise? He owns the property. We've had the property. Well, the families have the property.

Starting point is 01:04:00 Property's paid off. Okay. Yeah. Well, then yeah, he can get rid of the single house. Who cares? It's not what you guys want to live when you move there anyway. Who would? Depreciating asset.

Starting point is 01:04:09 So he can't sell it right now without going upside down and that's the issue. Well, that's fine. Cover the difference. How much would the difference be? I haven't looked into it. it. He refuses to look into it. It's not that I've asked them to about it, but they just, every time they get

Starting point is 01:04:22 real back offish, like they don't want to discuss it. I don't think. I've asked, like, is there ways that we can go about getting out of it? Because I don't want to... I'm going to call them in the post show, and we're going to deal with this. So, your future wife can actually have a little bit of breathing room. My goodness, this is a fucking insane. Yeah, I'm sure it'll be contentious, but I'm good at contentious. I just yell. Energy drink.

Starting point is 01:04:43 Energy drink. Bullshit. McDonald's. We can't say we can't afford shit If we're just doing this every like literally Once or twice a day, this is insane. Energy drink or bullshit Cash up $35.

Starting point is 01:04:56 Energy drink. Energy drink. She, oh, oh, good. Why not? A whole other page of bullshit. Dairy Queen. Pandora jewelry. That was my ring. Jeez, you got the ring like six months in? Seven months in?

Starting point is 01:05:13 No. That would have been. Would you guys start dating? March of 25. Okay. So, okay, almost a full year. Supplements, supplements, cash up 30 bucks, energy drink. Maybe bullshit, maybe not, hard to tell, energy drink, game pass, 32 bucks. Bullshit, energy drink, cash app out, cash app out, jewelry and more.

Starting point is 01:05:36 It's a lot of cash app. It is. Where does it all go? It's like 30 bucks, 30 bucks, 30 bucks, 30 bucks. Who's it going to? It's probably loan repayments. Cash, oh my goodness, I'm going to need to see your cash app statement. You have access to his cash-up statement?

Starting point is 01:05:48 No. Oh, so we don't have full access to being able to see things. She's more welcome to look at it. She has her-vassing my phone. What? What's talking about? That's what I'm talking about is probably the $30. Yeah, I found out he was borrowing money from cash app.

Starting point is 01:06:04 I had no clue. Whenever a charge for, like, what was it, like $300? Bucks hit our account. And I was like, who the fuck you cash shopping $300 to? Like, that's what are you doing? He was like, oh, I owe cash up money, so they just take whatever they want to take whatever they want to take it. I don't know. Done.

Starting point is 01:06:24 I had signed up for like a lump sum repayment instead of drawing it out on that specific one. We had to talk about that one. Okay, lots of cash up, cash up bun slut. Food. That's a burger place. Parking. It continues. This is a fucking crazy that it continues.

Starting point is 01:06:43 What are we doing? Oh, because there's two checking accounts. So this is the other joint checking account, I guess. Okay. Energy drink, Microsoft GamePass again. We have two different game passes. That's great. Pizza Hut, Vandy Machine.

Starting point is 01:06:58 You're gaming like an energy drink again. 40 cents, dude. 40 cents. Raspberry cherry's mine. Raspberry apples mine. Best flavor ever. We'll send you one when it comes out. It's so good. We compared it to like every flavor.

Starting point is 01:07:09 We've tweaking with all these combinations. It is insane. Yeah, that does actually sound really good. It's insane. It's actually insane. bullshit subway Amazon

Starting point is 01:07:19 there we go I'm sure there is like monthly maintenance bullshit because you don't have enough in there even without the overtrap oh he's been big on using Dave he's been using Dave you know that it just it wasn't something that was a continued thing

Starting point is 01:07:35 and so it never really came up it wasn't like I was hiding it but I just I never thought to tell her had no clue what it was I know yes a lot goes to child support No, that's fair. Even still, you're just like, why spend so much money on bullshit

Starting point is 01:07:50 if you're in like that pay-advance cycle? Like, you can get out of it in a month with just getting half your energy drinks. That's why we're here. No, you just get half your energy drinks. What am I going to, what do I do with that? He used to drink like three a day. Congratulations, that's why you're here.

Starting point is 01:08:06 Don't get half the energy drinks you get. Congratulations. That's why you're here? Well, you figured it out. No, I'm not that specifically, but obviously we just, you know, we're impulsively spending all of our money. Okay, that's why we're here.

Starting point is 01:08:19 Don't impulsively spend all your money. Congratulations. A lot of that is, I drive a lot. Like, I drive to Dallas every day. Good, buy bulk energy drinks. Good, have gamer subs. Make your own energy drink. He has a cooler in his van.

Starting point is 01:08:29 Don't even need that, dude. You fucking make it. It's so cheap. We also have like 50 shaker bottles at home. Like, what are we doing then? Oh, what is this? Oh, okay. One of the fucking angry things

Starting point is 01:08:44 that you were talking about, why he's just never going to escape the cycle, is that you're, okay, you're upset of him blowing the money from his previous cycle. So it's always in it, because you got $10,000 from your employer or something? Yeah, no. But then you just blew it.

Starting point is 01:08:58 Like, what the, why did you get 10,000 hours? So I was working for a company, and they got sued in a class action lawsuit, and I joined on it. Join the Morgan or Morgan one, by the way. I think you literally get free money, like the description, wasn't even going to plug that,

Starting point is 01:09:14 But, like, almost like everyone's getting free money from that one. Right. But yeah, no, they, so they paid out for that. 10,000? You got, jeez. How'd you f***ed it? How'd you f***ing $10,000? You know, you make good money, dude.

Starting point is 01:09:29 Where to go? Mostly attorneys. That was, I was making payments for the attorneys, and that's why I had no money when we first met, but then I used most of that to pay all that off. Yeah, I'd be concerned, too. I did definitely blow some money Yeah, you also spent some money

Starting point is 01:09:47 upgrading your truck tires and upgrading your radio Yeah Yeah, I know how much he was getting Upgrades a radio Well, it took it, it wouldn't turn on anymore And so I just got to It's a radio

Starting point is 01:09:59 Plug your phone in It didn't do that That's what I'm saying I got something that would do that How much did that cost? It was like $115 off Amazon I knew he was getting that amount of money and we had discussed saving that amount of money.

Starting point is 01:10:15 Well, let's happen when you guys were together. Yes. I discussed saving X amount of money. I don't remember exactly how much it was that I wanted to set aside. And he was dead set on buying a dirt bike with it. Dead set on buying a dirt bike. I got him to not buy a dirt bike with it. God bless you.

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Starting point is 01:12:18 How are you going to spend on the wedding next year? Well, you guys are like this. Hopefully not a lot. My mom is really a bulldog in her way in. Love her to death, but I was... So your dad, her mom. I was convinced that we would just go to an Airbnb. I want to do it in North Carolina,

Starting point is 01:12:37 where my family is. Okay, sure. And plus I love the mountains. Texas sucks. Landscape here, awful. So I want to go to the mountains. Well, we're in Texas. The only place I've been is like central Texas. Okay. Well, so then you're in one place. I was going to say, because you got tall pines on the east. You got swamps in the east. You got rolling plains in the panhandle. You got the hill country here. You got big mountains and desert in the west. You got national parks in the west. We have one of the most diverse states in terms of landscapes.

Starting point is 01:13:05 You can get everything in here. So I wouldn't just say that. But you can still get married in North Carolina. Yeah. You're just talking about the literal. Smoky Mountains, which, I mean, again, you can find diverse topography here. But either way, for the family, I do get that. Yeah. So. Yeah, if you stay in Waco, surprise, you're not going to see very much. I've been a little outside in it.

Starting point is 01:13:29 I mean, it's still nothing compared to North Carolina landscapes. But I digress. Anyways. Usually the place in the country, everyone's, okay. Sure, call on. I've driven through there so many times. I mean, uh,

Starting point is 01:13:43 you're probably just driving through the city. What? No, it's just, how are you in the, uh, uh, wait,

Starting point is 01:13:49 why are I called them Smoky Mountains? No, the, Appalachian. Appalachian, yeah. Appalachian Mountains. I've driven through them

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Starting point is 01:14:09 and power your next move tomorrow. No. I well well how much you're going to spend for that that's what I'm getting to I only wanted to get an Airbnb for a week for me and him and just go get married in the backyard because that's cheap

Starting point is 01:14:23 my mom however called me and found this venue don't get me wrong it's cheap it's $2,500 for three days two nights I told her no because I don't want to spend any extra money I just want to go to an Airbnb get married in the backyard whatever whatever and then she called Tony over here and Tony said oh yeah that sounds Great. So what did my mom do?

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Starting point is 01:15:10 she called and asked me what I thought about it and I took that as we were having it. You had already said no specifically? I said no. And so I thought it was just a discussion. I've been adamant about it. Tell her to fuck then. Well, now there's already a contract signed

Starting point is 01:15:22 and they did agree to pay for half of it? Almost half. Okay, half of the 25? Yeah. It's not that much. It's fine. Just do it.

Starting point is 01:15:30 And at that point, we would almost spend that much on an Airbnb and New East. If you don't want to do that specifically, then definitely don't do it. And they're going to take care of a lot of the other stuff that we would have had to do on top of it, like the chairs.

Starting point is 01:15:43 The receptions at the same place. And like having like an actual, like, you just have to decorate. How much is it going to cost in the end? No, that's all included with that. We would have to get that on top of the Airbnb. That's still additional because I still want to keep. And so that's why. Would you want it if you could pay for it?

Starting point is 01:15:58 Yeah. You can afford it. And a year we could afford them. No, if you're doing it right now, but it's whatever. I mean, literally you spent more than that on synchrony this last month. So it's like, what are we talking about? The conversation you don't even, yeah, but you spend more than that, more than your half on just that. So like if we're talking about affordability, like what the fuck are we doing here?

Starting point is 01:16:20 You literally just got 2,0003.79. That's just medical. For what? So I went and got my glasses and I used my care credit for it. And then I went to the dentist and they gave me this treatment plan. And I told them I had care credit. I thought they were just putting it on the account to like charge as I went in and did stuff. but no, they charged the whole amount

Starting point is 01:16:40 that I had on my care credit. My care credits. Now I'm in the process of trying to get refunded. Well, you're better because deferred interest is accruing and one of them is going to hit in just a few months. Yeah. That's going to be hundreds added. That's going to fuck you.

Starting point is 01:16:52 Okay, but even more critically, credit one, which is basically the worst you can get. What the fuck is going on here? Who is this? That's mine. Why? What's happening? It was to rebuild credit and I didn't know that it was...

Starting point is 01:17:07 Credit one? It was that bad. It was the only thing I could get approved for. No shit. So probably don't take it. If it's the only thing you can get approved for, you'll know it's predatory. He didn't know that until he started watching it. It's horrible.

Starting point is 01:17:19 28.74% interest rate. Now, this thing about the wedding, you said earlier, you were talking about pushing it back? No, just not like getting married and like... Instantly. Yeah. Oh. What?

Starting point is 01:17:36 I thought that I missed something in the conversation that he was talking about. about just not getting married and I was, it was a very confusing second. Now, why are you all in all this debt, dude? Like credit builder, but it's all maxed out. Why are you in the debt? You didn't purchase on it because it's not really much wiggle room to purchase. $569.92 owed on it with a $30 minimum payment.

Starting point is 01:18:00 Why do you owe? Only making minimum payments and still charging on it? I honestly, can I... Why? Why is the balance that high? Why did you get into it is what I'm asking? Probably more bullshit spending What were we buying? I don't remember If I don't know, it's my card

Starting point is 01:18:20 I think I was just surviving off of it How can you fix anything if you know nothing? I'm pretty sure we were surviving off of my card When we moved. That was my card Because there's no recent charges It's just maxed out Because the limits should only be 500 I don't know, that's not my card

Starting point is 01:18:34 That's not my card I don't have access to that card I don't know how you spend your money So But yeah I Also My second wife was she had a very boozy lifestyle, you know, and so I was paying for that,

Starting point is 01:18:47 and that ran up a lot of the tab, and then... You're paying for it on credit one? Just everything, because I had... How boogey was this lifestyle? What? You had no input on the lifestyle? No, that was just a lot of, like, very differences in our lifestyle. She was very bougie.

Starting point is 01:19:04 Like, she... Why did you speak up and say no? And not wanting to listen to her, bitch. Oh, it seems to be a common thread in your relationship. So, you have no backbony or a pussy. No, I wouldn't say that. I would.

Starting point is 01:19:18 I would say that some things aren't worth arguing about. It seems like everything, including you going into debt for it. Your credit gain ruined is definitely something to worry about. What's your credit score? Terrible. What's your credit score? Oh, five something? I don't know.

Starting point is 01:19:34 Quick Soper, why are we purchasing on a card that we cannot fully pay off and only put minimums to that is accruing interest? What are we doing? Who is this? That's hers. You're the responsible one. Why are you purchasing on a card that is accruing on a card that is a crew in interest that you cannot fully pay off?

Starting point is 01:19:47 I didn't even know as accrued interest at that point, honestly. What? What? What? What I haven't had it? $378.48? For long. For a long. Monthly payment, $25. Then you should definitely know. You should be tracking it even closely. When we moved out of my friend's house, we, the whole reason we moved out is because... Don't care. Don't care. Still don't care. I don't care. I don't. So... What does this have to do with you purchasing welder's interest accruing on this car?

Starting point is 01:20:14 We had to get furniture. I'm assuming that's probably what that was. C.S. CEO? That's gas station. No, you're just putting gas on a card that is a queen interest that you cannot pay off. What the fuck are you talking about? What rambling bullshit cope are you doing to me right now? Maybe I didn't have enough money in my account, so I just swipe my card for gas. But I promise you, I paid it off.

Starting point is 01:20:35 Why would you not have enough money in your account responsible, one mother? Probably because I was bullshit spending off some bullshit. How are you responsible one mother? I wouldn't say that I'm super responsible, but I'm more responsible than he is. At least I look at the damn account. And I know I don't have the money in the damn account. And this is going to go down in a flaming mess. That's, I really did think that she would tell me that, you know, she's looking at the bank every day.

Starting point is 01:20:57 And this is the arguments. How are you spending all this money? But, you know, I'm checking the bank and I'm trying. And she was getting on to me for it. But, you know, she's also spending all the money. Okay. Well, I have a capital one card. Now, there's no balance on it.

Starting point is 01:21:11 So I'm not going to write it down. But what concerns me is there's been a late fee this year, even though you've paid it off. why are we having late fees? Who is this? Is it the quick silver or the security? Adam. Let him secured, capital one. That's me.

Starting point is 01:21:24 That's you. Why is it late? Why are you not on time? Well, are we shocked with your history? No. But what the fuck is going on, man? Probably, because he didn't look at it. Probably.

Starting point is 01:21:32 Why is auto pay not on then? If you know you suck. That, she, she set all of that stuff up for me. She hadn't set it up for you. How the fuck is he going to deal with? Why do I need to? I don't know how he did it. before I came in, honestly.

Starting point is 01:21:49 It's yours. You're a father, dude. Yeah. You need your literal fiance to set up auto pays for you or else it won't be done. I just don't want to do it. You not understand how pathetic this is?

Starting point is 01:22:00 As a father, as a man, as a partner, what is wrong with you? I don't think there's anything wrong with delegating. It's your card. Yeah,

Starting point is 01:22:10 and I could delegate the finances to her and I thought that's what was happening. No. Okay, she doesn't want and she's your partner. So what are we doing here? But that's what the discussion is been. The thing I stress the most about is finances

Starting point is 01:22:21 and the fact that you just want to throw all your finances on top of everything else onto me sucks. That shit is dumb. That you know that is the biggest thing that stresses me out, the biggest thing that'll get me in a bad mood quick. And the fact that you refuse to care for it yourself is awful. It's extremely irritating and I can't stand it.

Starting point is 01:22:41 But you're already checking it every day. Why can't you just tell me? Because why the fuck do I have to tell you? You're a grown up. You're a grown man. Literally, you're a grown man. All it is is open the app. Face ID.

Starting point is 01:22:53 The same face ID that you use to unlock your phone that takes less than five seconds to look. The issue is not the face ID. The issue is when it does not work. I'm not going to sit there and type out on my test. So then why the f- don't you even try? I gave up on trying.

Starting point is 01:23:10 If it doesn't work, guess what? Try to get in a couple hours or some shit. I don't know. It sounds like a bunch of bullshit excuse. and it's dumb. Or if I don't need to spend money? You're not driving 24 hours a day? When you stop at the gas station

Starting point is 01:23:24 to buy your little snacky snack, your little drinky drink, guess what? You have the time right there. You're stopped. Well, whenever you look, just say, hey, we don't have the money for you to spend any money today.

Starting point is 01:23:35 I literally have. I've told you we don't have the money to spend. And guess what? Well, there's still energy drinks being purchased. It's fee-free overdraft. I don't give a fuck about fee-free. free overdraft. Maybe we should just turn that shit off on your card because mine does not allow me to overdraft. You just overdraft because, oh, fuck it. When the paycheck hits, it won't be negative

Starting point is 01:24:00 anymore. That's fucking dumb. That mindset is fucking dumb. Yeah. I think you are a child. Let me just, let's just say, do you pay your phone bill? No. Of course not. In 20s, great, who pays it? And it's more so I just for, they don't ever ask for it and I don't ever remember to just send it. Of course you would. You have no responsibility to save your life. You live on your fucking dad's property. You've never done anything. You've never accomplished anything other than coming instead of a woman.

Starting point is 01:24:34 Unless it was a woman. Huh? At least it was a woman. Why? Because his dad would definitely would have disowned him if it weren't a woman. Okay. He's homophobic? My dad's just a very staunch Baptist conservative

Starting point is 01:24:52 Like so... We would be homophobic. Yeah. Yeah. I wouldn't say he goes out of his way to do anything. If he came inside men, he just wouldn't have kids. We wouldn't know. He's probably come inside men.

Starting point is 01:25:02 Who knows? No. Are you homophobic? No. I don't have any problem with people that are gay. I'm just not into that. Uh... Oh, so cute.

Starting point is 01:25:17 Okay. Oh, collections. Who has collections? Well, probably you. You're the bad collection. You have a right. And credit guy. That's what this is, $1,470?

Starting point is 01:25:29 I thought that I didn't. I thought you're on your parents' phone plan. That's a lot of why I'm on their phone plan. Oh my gosh. You really can't do anything. This is pathetic. That was after the first divorce. We had a phone plan together.

Starting point is 01:25:42 I thought that I canceled it, but I guess I didn't. Or maybe, I don't know. I really don't. But they kept billing me and I wasn't using them anymore. And so then I just showed up and I just haven't paid them. So he just decides to ignore it. It'll fall off after seven years. You know what else they can do, though?

Starting point is 01:25:59 Sue you? Yeah. It's happened on the show. It's happening in many of the Caleb Hammer shows. That's a lot of money for Verizon. It's decent enough to sue. You know what they do? They sue you.

Starting point is 01:26:10 You like going to court. You go to court. You spend on legal fees. You know what they do? They get a court order. That court order garnishes your wages. Your wages are already taken from you thanks to child's support. Why not have even more taken from you?

Starting point is 01:26:19 That's not uncommon. They can wait in line. What do you mean? They can't legally take more than 50% of my wages, and so if I get to that point, then... Who can't? Anybody. That's the law.

Starting point is 01:26:37 They can't withhold more than 50% of what your wages are, and so... Okay, maybe child support, maybe default on student loans. This might be a court order on extra. I don't know. Yeah. But even still, even if it is, 50% is insane. Literally, she's being forced to live somewhere she really doesn't want to. And you're like, yeah, let's just take even more of my money.

Starting point is 01:27:00 Like, that's pathetic. You're not a partner. How do you live Verizon go that much good of collections, dude? I don't even know. Well, I didn't know about it until it was in collections. You were crying about your finances and your mom said that she was going to take over. Your mom's going to take over y'all's finances now? No, no, no.

Starting point is 01:27:18 That was, I was overreacting. I got a speeding ticket a little while ago. And I was, I don't know why I panicked so much, but I was like, I don't have enough money to pay for this. I literally just switched our car insurance so that it would be cheaper. And because I had a little meltdown, my mom was like, don't worry, I got the phone bill. Well, you're on your mom's phone bill too, the adult, the responsible one. That's because my phone wasn't paid off whenever I got divorced and I didn't want to pay for it. This must be a car loan.

Starting point is 01:27:45 What is this? $30,711. Yep, auto loan. That's my truck. For 10% when you didn't even need a truck, when you got a truck, when he had a truck, when he said you could use the truck, you got a 10% loan on a truck? It's 10%. It's 10%.

Starting point is 01:27:58 It's 10%. No, it should be 6.8. That's the percentage paid off. I don't know. 6.008. It's still not the best. It's not the worst either, though. But what do you think it's worth that you owe $30,000 $711 on?

Starting point is 01:28:10 If I had a guess, 25. Maybe. Yeah? Maybe it'd be right there a payoff or just like $5.000. So you're underwater on it, not dramatically. But you know what I would potentially do? This gets you out of the situation quicker. sell it, borrow 15, 15, 5, pace it off, 10 gets a car.

Starting point is 01:28:28 Especially truck, you don't need to be driving a truck an hour and 20 minutes to and from work, what the fuck. I have an SUV too, but the transmission is pretty awful, and it's a little scary to drive. Okay, well, I would actually, then I would borrow what's required to get, you know, the transmission absolutely 100% fixed on that, and then the 5,000 hours difference in sell this car, then all of a sudden you have no payment.

Starting point is 01:28:48 We have two vehicles that we own outright. There's no, like, we just need to. Fix them. Yeah. Yeah. Well, borrow what's required to fix them. Sell this. Ah, what's ah?

Starting point is 01:28:59 They're old vehicles. The working part. Like I said, the transmission and the SUV sucks. I'm good with that. They run and they go A to B. No, let's fix the transmission. Let's borrow. Do you guys not listen to what I'm saying?

Starting point is 01:29:10 Let's borrow what's required. Sell this, borrow the difference, and then what? You had borrowed maybe $10,000 total then? What's the transmission? Where do you borrow the difference from? Personal loan. What's the transmission? Calebhammer.com.

Starting point is 01:29:24 The transmission, I literally have no clue. No clue. How much do you know? Are you a car? I know my car. I know it'd be... I have modern vehicles, so I don't know. We saw you drive your modern vehicle today.

Starting point is 01:29:36 Yeah, I pulled up to your nasty truck, I know. Yeah, it is pretty money right now, but... I was like, great, I'm feeling some hillbillies. I bet they stink. We don't stink. You don't stink. But you can't back up either. Huh?

Starting point is 01:29:47 You have a self-driving car and you can't even make it into your... You have to correct. It's a very big parking lot to have to have to have to have to... to do that. I don't think I, did I correct? Yes, you did. Oh, okay. Oopsie? It's self-driving. I over-jured. I drove myself. I don't know. Is that okay? Do I have your permission

Starting point is 01:30:04 to drive myself? Yeah. Yeah. This time. Okay, and I don't have to get my transmission replaced, so, because I don't. Well, you know, I just bought a new truck because the transmission didn't work. The transmission, it's a little... So borrow for the transmission, the difference, get rid of this, okay? Good.

Starting point is 01:30:19 There's a lot more wrong with it, but the transmission's the biggest thing. Well, fix what's wrong with it. You'll still, you'll have a paid off car. You'll get rid of that loan and you'll have everything paid off. Okay, this is insane. We're talking an insane, like your car payment, your gas, your car insurance. It's fucking crazy. Exactly.

Starting point is 01:30:37 Yeah. So, I have a secured loan of $5,262. What is this? That might be my dirt bike. Fickick. What's the interest rate? Zero. How long?

Starting point is 01:30:50 Forever? Forever. $115, but you're just adding it to the minimum fee payment. Just sell it. Get out of it. No. Why? Because I ride my dirt bike.

Starting point is 01:31:00 I race my dirt bike. Okay, let's see if we can keep it. We definitely want to pay it off quick. Definitely get rid of the truck. Yeah. CNBA. I wanted to try and figure that out. $109.

Starting point is 01:31:10 Why do we not pay this off? CNBA. What's this? CBNA. That doesn't sound familiar. I don't even know. Someone knows 100. Can I see it?

Starting point is 01:31:21 No. Okay. Then I don't know. You're not going to get any more information. that I just gave. Okay. $30 to zone on it. Best Buy.

Starting point is 01:31:30 Oh, I guess that's my Best Buy account then, huh? It's almost paid off. Just paid off, dude. Minimuth to payment, $30. Ah, who has student loans? Both of us. Do you guys have degrees?

Starting point is 01:31:41 No. No. I get you both course career certifications. There's trades, there's tech, there's a lot of really good things. Supply chain management. People in the audience have used them to get six-figure jobs,

Starting point is 01:31:51 six-figure raises. Okay, both of you. those for free. Discount for you guys, obviously. Okay, yeah, student loans, student loans. How long do you guys go to school? I was in for about a semester and a half. I did. Two semesters, yeah.

Starting point is 01:32:09 I did a year and a half, so. Okay, well, so it's definitely not worth going back. Okay, wait, wait, wait. I want to go back. Well, someone's late. Someone's student loans have just restarted a couple months ago, as most people's in the country have. And you're late.

Starting point is 01:32:25 That'd be me. I wasn't making any payments. Are you going to? I have started since, but I didn't even know that they were coming in. You know what happens. You know what happens. It goes to default. And all of a sudden, whoopsie, garnishment. Again.

Starting point is 01:32:37 Even though you have kids, you ain't going to get any tax refunds and shit. He literally had no clue how much his student loans were or who he was going through for the loans until probably right before we did all of this, honestly. Okay, we have a student loans. Okay, for Tony, $8,759. What's your minimum, Tony? 103.

Starting point is 01:33:14 Good. What's your minimum, Virginia? Less than $100. $90? Sure. What's your minimum? I don't know. I've just been paying $100 a month.

Starting point is 01:33:25 Great. So it's not going to be an accurate. your budget. Dumbass. Well, I've been paying $100 a month towards it. I don't give a shit

Starting point is 01:33:30 with your paying. I want to make a budget, dude. At least I make my payments. Oh my goodness. You don't understand. Hey, $11,000 in someone's 401k. Who's?

Starting point is 01:33:41 Mine. Okay, definitely very behind for your age for your income. Glad you at least have something. Do you have anything? No. Right.

Starting point is 01:33:51 That you were the responsible one, the mature one. You. Nobody ever talked to me about 401Ks. What? Nobody's ever. I don't ever talk to me about 401ks.

Starting point is 01:34:00 We all learned things. How was I supposed to know that that's what that was? How did everyone else? Shut the fuck up. Literally no clue how anyone else learned. Accountability. Who would have thought? Not I, I guess.

Starting point is 01:34:11 Clearly. Minimum monthly payments for your debt. $1,127. Income, $5,200. What's your rent? 922. Utilities? Usually about $250.

Starting point is 01:34:31 Well, is that including the internet? That's $350 with the internet and trash. Cool. phone bills all paid for my parents you can do healing and when you get to your own if the longest

Starting point is 01:34:40 T-Mobile's good out there uses those kind of towers gas, V-Foom Drive Drive because it looks like you're staying there for a bit how much a month?

Starting point is 01:34:47 What was it for you? At least 600. What was it for you? I don't really if I'm going somewhere we're going together. Okay so 650 let's call it car insurance.

Starting point is 01:34:53 It's 165. You? We're together. 165 for both? Yeah. USAA. Your gas will go down when you use your SUV

Starting point is 01:35:03 but borrow for the difference. Well, Well, hopefully it will. My turbo is out too, so, like, the gas miles on that thing sucks. And you will still save more money. It's what you need to. Once we get that fixed. Food, $600, use the meal, plan, meal prep.

Starting point is 01:35:15 TP fund, $200. Everything else you guys need to survive, toothpaste, tooth. It varies on a monthly basis. We try to keep it at $200. Healthcare, are there a co-pays on a monthly basis? No. Not typically no. Is there a gym?

Starting point is 01:35:26 Yeah, it's 81 for both of us. Eighty-one together? Yeah, it's a couple's members. How much? What pets do you have? We have two dogs. Okay, $100. pet insurance, how much for pet food?

Starting point is 01:35:37 Probably like 60 bucks a month, maybe. Subscriptions, I'll try 50. Anything else that needs to be in this budget? I have a $128 payment that I have to make that's a minimum payment. Two. Okay.

Starting point is 01:35:58 Something we can't talk about, right? Yeah. $120? Do it? $120? Yeah, 128. What are we not talking about? Oh, shut the fuck up.

Starting point is 01:36:08 If we're not talking about it, we're not talking about it. Do you not know what not talking about it is? Are you the dumbest person I've ever met? Trust me, I want to make the show interesting. So if I can't talk about it, do you think you can talk about it? Shut the fuck up. $767. How's what you have left over?

Starting point is 01:36:28 Well, let's get rid of the student loans. So, you okay? Yeah. $40,727. $0.34. $767. You can pay off your debt. Four and a half years.

Starting point is 01:36:44 Yeah, we've got to boost these incomes, you especially. We've got to boost, boost, boost. Gets these course career certifications. Let's try to get more money in or work more hours, get a second job. And let's get this down to two and a half years and get a six-month emergency fund and start a 50, 30, 20, 20%?

Starting point is 01:36:56 I need 30% and wants 20% to invest it, okay? That gets us there. Is this including the $600 truck payment as well? Yeah, so you get rid of that, you speed that up dramatically. It'll actually carve a lot off of it. So you'll actually probably be closer like two years. If you do we get a good job, you shave that off. Because you still have to borrow like 10 to get everything fixed and borrow the difference.

Starting point is 01:37:14 So let's call it about two and a half years. I think is what you guys can do. Okay? Grow the fuck off. Stop being a pathetic piece of shit. And I'm going to call your dad. We're going to talk about that. And we've got to figure this shit out.

Starting point is 01:37:25 We might call your mom about the wedding too. So lots of confrontational phone calls. Get ready. Post show is probably going to be even more interesting than the episode. But spending in a budget, let's get your hammer a financial score. Spending in a budget, you overspent zero, $0, $0.10, debt. there's collections zero out of ten emergency fund there's nothing zero out of ten retirement got

Starting point is 01:37:40 something but combine the income dramatically behind for our age two out of ten real estate you don't own anything you're not on the deed you're not nothing two out of ten uh zero out of ten a zero out of ten hammer financial score point five out of ten get yours updated calebhammer dot com right now join us in the post show it'll be an extra 20 minutes of this episode plus three premium shows every single day six days a week you can join here on youtube by clicking that join button or the link below or you can join on hammerleet or the Hammerlead app. I'll see you guys there.

Starting point is 01:38:10 He's scared that his family would quite literally disown him for this. Your dad sounds like a hard ass. We're not going to go too hard on him, but I need you to learn. An individual in my family is no longer welcome at the family because she chooses to date certain types of people.

Starting point is 01:38:26 What do you mean certain types of people? She was dating black people, or black man, and that was what it was. They disowned her for that? Yeah. You think he'll be embarrassed when he sees this and learns about you? You?

Starting point is 01:38:38 Uh, no, can you hear me? 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, and that's a promise. Ready to take your investing knowledge to pro-level, this is Fidelity Connects, your daily edge in the markets.

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Financial Audit - Financial Audit's Craziest Divorce

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