Financial Audit - Financial Audit's Messiest Divorce

Episode Date: December 15, 2025

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check us out on YouTube. You just literally walked out on your husband. You just abandoned. And you're gone. I am. What the fuck happens? She would treat me like shit if I'm being honest. Really?

I'd let him know he was lazy. He's a grown-ass man. I hear you. And is that an effective way of communicating and trying to get changed across? Hey, you lazy piece of shit. I gave up. trying to effectively communicate because that wasn't working.

It felt like she was gaslighting me. You thought because I was telling you to go out, I was going to tell you to go out just to get mad at you? You know how stupid that sounds? It wouldn't be the first time. What the fuck is this? You have a boyfriend. Dating.

Dating. You moved out a couple months ago. Your husband had you picked it. We've been a man. We've been sent out since last year. Get your free trial to the dollar-wise budgeting app today. Join the tens of thousands of active users who are taking control of their money and changing their lives.

With new features being added constantly, there's no reason not to try it. And if you like it, choose the annual version to save a ton of money and get my budget-friendly cookbooks signed by me and mailed directly to you. Dollarwise.com or link in the description below. Hi, I'm Justin and I'm 29 years old. Hi, I'm Natalie. I'm 27 and we're from Seattle, Washington. And this is Financial Audit.

Listen, guys, I go into these episodes blind with the audience. It's a fun little part of this show. I think Lindsay was just a little too excited when she was passing by my office earlier and she just gave me a little hint of what's going on and what the absolute... So Natalie, I hear you just literally walked out on your husband, left the house

because of the finances. You just abandoned. You just left. You stormed. You ran. And you're gone. I am. What the fuck happens?

Two years. And this is your husband, by the way, the guy you walked out on. Yes. What the fuck? Two years of asking him to figure out finances and help me with it and just do more. And I told him I would leave. And I think he kind of expected me to stay because I relied on his income because I was a stay-at-home mom for so long. There's children.

There is children. There is children. How many? Four. Four kids? And what are the ages of the four kids? kids. Oh, good. 8, 7, 2.5 and 1.5.

Yeah, yeah, yeah. Okay. 8, 7, 2, 1. Okay. And then you walked out, well, two years of warnings. Why the fuck would you not get your shit together after two years of warnings? I think that it's kind of reasonable that after threatening for two years to fix something, then you didn't. She leaves. I mean, well, like, you expect, you know, you think you're doing.

things differently, right? You think you're improving and then when the rules switch up? The rule switch up. Is it like goalpost pushing? Shit. The goalpost moves. The goals post change. This is true. No, it's the same shit. Tell me. I mean, it feels like, to me, it feels like, well, I don't know. I guess now I could say after reflection, it would be like. Well, what was the goalpost that have been changed? Walk me through what it felt like to you. I mean, at the time, I was. At the time, I I thought it was like that I wasn't doing enough for the family, I guess, around the house and being more active.

Okay. Being more active with our kids and our family and things like that. Is that how the conversation started? No, the conversation had been just really about everything. Like, hey, I need your help. I need you to learn finances. Because I would constantly ask him, do you even know how much we pay rent? Do you know how much this is?

Do you know who we finance this through? He doesn't have an answer to any of that. And I'm like, this is what I'm trying to tell you. This is what I'm talking about. You don't know anything when it comes to our bills or finances. Why did he think that it was just doing things around the house? Because I asked him for that also. But he would do part of what I would ask him to.

He'd do it for like a week or two and then go back to the same thing. You were the fallback. You do the change real quick. Yeah. They're the bad employee. The one who gets a correction does a little better for a couple weeks and falls back to the old ways. I did do that, but. And now he got fired.

Yeah, but. From husbandhood. Well, you guys are still married, right? Still married, yeah. Dude, she left. Yeah. She walked up and left after two years. But you don't see it.

You don't see it as you were in the wrong. I mean, at the time I didn't, but like... Well, okay, but tell me at the time, you felt the goalpost were pushing. You thought, okay, this is me doing more around the house. Obviously, she was like, okay, bills, bills, you got to learn the bills, you got to know what's going on. Why did you not see that?

In your mind, like, what were you seeing from your perspective? Because I, listen, she says this. We might instinctually think she's right. I don't know. Always listen to the woman, you know, blah, blah, blah. That's where we are. Maybe you're in the right. I don't know.

Maybe you are. I think, you know, to my credit, I have a, I'm a one-track mind kind of person at the time, I think. And I think I have a, uh, you too. Yeah. I was doing one thing. I was doing one thing, not doing the other. But did you know about the others? I didn't keep it in my.

Fine. Okay. Why? Because I was so focused on the other thing that I was doing that I thought. Well, did you see improvement on the one thing he was doing on the hyperfocus? Would that be good enough? For a couple weeks? For a couple weeks.

Why'd you fall back? Because, uh... Or do you agree that you fell back? Yes and no. Like, I did after, you know, like you said, I did, but then I would start again, but then I didn't. But it was like a fluctuation thing. and like I was just, I think, angry at her because we were like hating each other at the time and I just...

Hating each other. Yeah, it was bad. Full hate. I wouldn't say hate. Hate is a strong word. What was going on, lady? I didn't want to be around him. At all.

At all. This started probably last year in October. I mean, like for the past couple years, it's kind of been that like where I would get really frustrated. Ask him to change. Ask him to do something. Then he changed. We're good for a few weeks.

And then he goes back and then I'm just dealing with it. silently. It's like every few months we're having a different conversation. Well, why would you do that? Because that is, no offense, the stereotypical woman thing, where it's like, you have the emotions around a topic, but you hold it and you don't communicate it effectively, and you want to see a change without actually advocating for a change

specifically. Well, and I did advocate. And that's why I'm saying we would have this every couple months. Does he agree? I think that she, she's a bottler. She likes to, she does, like, wait until it gets to a breaking point and then explode, but I mean... I know what's nice

to see other people make a change. It's nice to see that. It's nice to feel that someone else is going out of the way to make a change. That's nice. But it is no one's job nor honestly ability to be able to read minds. It has to be constant communication.

And if that is someone's flaw, honestly, I'll be honest. It is one of my flaws. It is one of my flaws that I am a one-track mind person to. I hyper-fixate on things that is just a part of my personality. I try to do coping mechanisms to do better on them. that, but I cannot read minds. I cannot read minds.

When my girlfriend is upset about something because I didn't instinctually do it, right? Because obviously it's nice to have that instinctually done. I need that extra help because that is my flaw. I do tell him. That's the thing. I literally have to write shit down. I've downloaded apps on both of our phones.

No, I've bottled after I've told him over and over and over again. And it's like, why am I going to keep telling you and wasting my bread? Do you feel it was the over and over and over again? Yes. Then why the f f f-would you not change? Because that's on you then if it's endlessly communicated. Um, like I said, One-Trag Mine kind of person.

And I thought I was... One-track mind is a reality. Doesn't mean you can't implement coping mechanisms to try to deal with your shit. Listen, if it was endless repeating of the things that she needs you to work... Okay, well, the things she needed you to work on reasonable, though, because maybe you guys disagreed on that.

Because that is a possibility. Like, maybe what you were... advocating for was kind of both. No, I think it was just me like resenting her because the entire time Yeah, because she would treat me like shit if I'm being honest. Really? Why would you do this? How was that a productive? How was that a productive communication style?

I wouldn't treat him like shit. I just got tired of him, me having to baby him. He says you treat him like shit. It's a matter of perspective. Well, listen, you're the one that had the feeling of how you were being treated. So him feeling like he was being treated like shit is valid. But I didn't treat him like shit. I'm just not very nice. What did she do to treat you like shit? Well.

What was conveyed that made you feel like shit? Well, just basically the adamant based me being a not, they're not a good person and shit like that. Being a terrible person. Like that how you did it? No, I'd let him know he was lazy. He's a grown-ass man. I hear you.

And is that an effective way of communicating and trying to get changed across? Hey, you lazy piece of shit? I gave up trying to effectively communicate because that wasn't working. So before, it wasn't working. Would you find that valid? Just because, you know, you're not getting what you wanted or somebody doesn't mean you can belittle them and treat them like shit in front everybody for...

I agree unless it's on the show. No, I don't... We joke around. That's just how we are. Joke around. No, he felt like shit, though. Did you advocate for yourself and say you felt like shit? No.

Well, why the fuck are you a pussy? You know? Because I was bottling everything up too because I didn't... Okay, so we're both bawling. So we're both just nuclear bombs ready to explode. No shit, she walked out. What was the final breaking point? How long have you guys been married?

We've been married since 21, so four years. Well, we've been together old. Wait, how many of the kids are yours? So I came in with two boys. He had no kids. Our last two girls are his. Okay. What was the breaking point?

Shit, just not, like, just getting tired of everything. So this was the breaking point. I told him I wanted to go back. to school. I wanted to focus on school full time because he wanted to do that. I gave him that opportunity. He wanted to do what? He wanted to go back to school. You wanted to you're a red winner. I did.

And he did. He completed his school. Oh, he already did this. So he did this successfully. He did that. So it was my turn. Yeah. And he promised. The two-year-old and one-year-old, that is so difficult. But go on. And he promised, hey, if you go back to school, I'll take care of the household. I'll take stuff off your plate. And I don't want to end more. What is the household to you? Figure out finances. Make sure the kids are good. Managing the bills. What is making sure the kids are kids are good though.

Like making sure Is he cooking dinner every day? Is he cooking dinner every day? Is he? I mean. Is he keeping the house clean? That's a hit or a miss. I mean, I have to make a list or things for him to do while I'm gone.

I have to make sure, hey, the way I have to tell the kids this needs to be done, here's your chores. I have to do the same shit for him. Head. So it was like, well, now you have my mom. No, whoa, whoa, whoa.

I still do. My mom lives with him and helps with the kids full time. But you don't? No. Wait, when did you move out? Like in June or July? How long has mother lived there? Since March.

So mom moves in and you immediately leave. Well, no. She's replaced wife. Her mom, not his mom. Your mom came back to help me. Your mom moves in and you immediately leave. Wait, wait, to take care of the kids? Well, no.

Wait, you left and you left the kids there? I live one street over. But you left the household? I did. There's a one-year-old and two-year-old there. Yes. Well, and you left? I left.

Well, hold the fuck on. A few months ago, you left. You left the kids there right after their mother's moved in. Mm-hmm. What the fuck is this dynamic? It's fucking crazy. So I couldn't afford the house that we lived in together, right? So originally we had split up our finances and he was supposed to get his own place.

Then his excuse was, I didn't want to live under a different roof than the kids. He thought that was going to keep us together. No, it's not invalid. So it's not invalid. So you can stay living here. I can afford this. I left the kids. What the,

Why, why, why? I'm not saying force yourselves to live with each other if we have fallen out of love. But there has to be a reasonable timeline. We might be able to implement, maybe get through school first and then do it. Well, no. So I said, I'm going to do my year lease. And then I plan on taking kids back. Your lease, you can't afford a year lease if you were afraid of him leaving as the income.

Well, I'm not, no, because I can afford my own little place, but I couldn't afford the rent that he was, that he currently pays at the other place. So I had gotten a new job. I got my place. and, you know, it's a street over. What the fuck did mom move in right before you left? Why does she move? Oh, because she was already moving out here anyways before we, like, knew that we were going to separate households and stuff.

We had already agreed she was going to move out here because we lived out here. She lived in Texas. She was around her grandkids all the time. We were flying her out to us every two to three weeks. So instead of her flying out, she was like, hey, my lease is coming up. I'll move out there. I gave your sister four years to do her school and stuff, and I'm full-time grandma, and I'm giving you that time.

to focus on your schooling. You moved out, though. I did. She took a sabbatical. Yeah, from the family, from the kids, from mother. Yes. No. Yes.

No. She does help. I'm not saying that she's not around. I'm sure she helps and she's around, but she left the house. She's not there. She's not there. She shows off. She's not there.

I mean, she. What? You don't feel, this doesn't feel weird and wrong to you? It did at first. Oh, yeah. That was only a couple months? It wouldn't look any different if a man got up and left the house to get his shit together. Would I say he should abandon his family?

No. Nobody abandoned. But also that's where split custody starts coming into effect. And you guys are still, are we staying married? So we were going to again do my ear at least. What is this? You have a boyfriend. Don't have a boyfriend.

You have a boyfriend from what I see. Dating. Dating. You moved out a couple months ago. Your husband getting you picked If she's got a man She got a man She got a miss this

Real life What is going on You're getting cocked Bro, you're getting cocked No Do you watch I know

I don't Well that should have been a very easy no It should have been a easy no It should have been a nice ago They just They just caught me off guard What? She is dating the guy

After moving out immediately and she moves her mom in to take care of you and the kids and then she goes and fuck another dude that that's crazy I have never heard of that I have never heard of that in my life in my entire fucking life if I ever heard of that if we had actually filed a divorce

this was also a couple months ago and you moved out you tit well we've been split up since last year we just lived together what did you guys even like each other why you guys split up immediately We Because again It was two years

I had been begging him I got tired of it I mean To be fair Before I mean It's not like Nothing else was happening During that time

So Huh What what does that mean Huh She was still entertaining people That were on that time Anyway

We had an open Relationship It was officially open It was what we agreed on But he didn't do anything About it What did you No tell me

He didn't want to go do anything. We agree. I vibe with open, but I don't think... The only way in open a relationship works is that both people are 100% in, in, in, in. And that's... You know how many conversations I've asked him? See, the thing with that is just, you know, she knows I'm the type of person. I don't really go.

I don't really do much. I like to just hang out and play my games. Chill. You know? I smoke. I relax, and I just relax. Smoke? I smoke.

On occasion. On occasion. Okay. I mean, I don't go out either, but I... Pau flaps? You know, it's not that I, it's not that I, you know, don't do anything. I just choose not to go out. I've literally told him, hey, let's go out.

Hey, there's this girl. Hey, he just doesn't want to go out. He doesn't want to do any. He wants to stay home and play his video games today. And that's part of the split, too, is because you spend more time on your games than doing anything. You make sure you put time aside to play your game to make sure you beat it, but you don't put time aside to learn what you need to do. And that was a big part of it.

For what? Make rospy sandwiches? For the house. Himself, anything. You weren't, you weren't parling. He wasn't doing shit. He wasn't doing shit. It wasn't just because I was just, I just, you know.

You don't want to fuck. It's not that I don't want to, obviously I want to fuck. Why would you fuck? It's just because to me, I don't know, it is, it didn't, I didn't feel right at the time. He didn't mind if it was a female with both of us. That's different. Oh, you're three-weighed. We have.

And that's why I thought everything was good. Yeah. Yeah, I mean, it's not that I wasn't down for it. It's just, I just. Why aren't you going out there and getting some tits? Well, you wanted them to. Yeah. She never communicated that.

Don't lie, we agreed that this was open. This shit was on, this was viral on Facebook about us having an open relationship. But then, but then even when I was to, if I were to go out, you would be pissed off. I really, you always say that, but you've never gone out. You don't go out. What do you mean? I'd be, because you always. say that, but I don't give a fuck.

I don't care. All right. If that's what you feel, that's not what you... The amount of times I've literally told this man to go out. Find some friends. Go out. You want to go out with me. Hey, even my other baby daddy was like, hey, let's go to the strip club.

Let's go do something. He don't want to do that. Mike, you two are supposed to... He never said that. Yes. So, he's supposed to have been out multiple times. He disagrees with this. Why?

I want to hear your perspective. So you're letting her stream roll you right now. So, I mean, it's just like, I wanted, I decided not to go out, right? It didn't feel right for me to just go out and fuck other people at the time. I know I was, like, I was okay with it, but it just didn't, like, when I thought about going out to go do it, it didn't. Yeah, but she said she was always upset with you if you did. That's what you just said. Yeah, I know.

It didn't feel right to me, I guess. I know it sounds stupid, but it didn't feel. No, you said she was upset anytime you'd go out. But you didn't go out. I mean, that's what happens. It felt like she was gaslighting me. You thought because I was telling you to go out, I was going to tell you to go out just to get mad at you?

You know how stupid that sounds? It wouldn't be the first time. No, no. When's the last time you've gone out? Do you know what? That's a good question. So what I motherfuckin' fucking thought? It wouldn't be the first time.

What's the... I don't know. Sometimes it feels like she's a manipulator. I'm straight. I'm direct. And that's why he says I'm mean to him because I'm brutally honest. just direct. I don't know how that's manipulating. I will literally just be direct with you. And then you get your feelings hurt that I'm direct with you. No, it's not all the way, not like that.

Like when you are telling me something, but it's something you really don't, like it's something you don't want me to do, but you expect me to do it anyway. Because you think I'm going to, you think I'm going to do something stupid or whatever, if that makes sense. That doesn't. Okay. You tell me to do something. right, that you don't want me to do, but you expect me to do it anyway to get mad at me. How many times have I told you it could be something as simple as, oh, I'm going to get...

Address what he said. No, I don't. He thinks you tell him to do things that you, and instinctually do not want him to do so that you can get upset at him for doing it. Why the fuck what I want to get upset at him? Why do you think that? Because she revels in drama.

I really don't. I'd be chilling. Why does he think this then? Oh, I don't know that our men. marriage and our relationship? Doesn't seem invalid? It's not invalid, but I mean, actually, yeah. No, it's not even that.

I just, so my family got into our relationship. My sister created a whole fake phone number, pretending to be some other dude, texting him. What? Whoa, whoa, whoa, what? Yeah, it was a whole thing. No, what? She, so she tried to get in the middle of our marriage.

She created a fake, there's just a lot between that. She's really... Did you fuck her? No. No. No. She was trying to is what I'm getting at. She wanted to... I feel like she didn't...

I mean, I'm assuming... Your sister wanted to fuck him. I'm assuming because she's with my... She got with my ex. Baby daddy. X's. X's. Every ex.

Not every ex. Wait, but what? Tell me. Who's calling? Who's calling? I don't want to answer that. Who's calling? It's...

Your boyfriend? No, it's not my boyfriend. It was somebody that I was messing around with for a little bit. He got kind of crazy and I completely just cut him off. Why are you not on Dude on Disturbed? which is one of the first things we tell you to do when you walk in this building. I didn't know. I'm going to just turn my phone.

And second of all, what are you? How many guys are you getting dick down by in a daily basis? No, not really. I'm dating this dude. Not really? What the fuck does that even mean? I work all the fucking time. So I get it where I can and that's with the dude I'm dating.

It's honestly like this man was months ago. I don't know why the fuck he's calling me. He hasn't hurt for me in months. He's horny. I don't care. But that's why. No, I don't care No, that's why

Oh, no, he's probably He's probably gonna cuss me out Why? Because he's just, he does that He just is... Why? He's this true So when we were sleeping together, right?

I told him I'm not sleeping with anybody else, I don't want to do that If you are, just let me know, be respectful of that, like be mindful of that Do you care about burning the bridge with him? I've already burnt the bridge with him. Good, call him back.

I'll talk. Oh, no, actually, yeah, answer. Let's see what he does and then I'll jump in if needed. Oh, God. The FaceTime call. Let's bring her. Let's go, ladies and gentlemen.

Let me. Just do audio. Because I told him I didn't want to deal with him anymore, he went the fuck off on me. Yeah, just call him. Put him on speaker. Put the speaker here. Put the speaker here. All the way up.

Turn up. That's all right. Please check the number and dial. Oh. And then give a call. Double call. Maybe he'll call back. Because his phone is off.

Say no FaceTime. You can call me on audio. Yeah, it just text him. I'm sorry. I don't know. One thing. What? You think all those problems you cause in my life is just going to go just that way and you just, okay? I didn't cause any problems, bro.

All right. Yep. Got you. I told you he was calling to cuss me out. I mean, he didn't cuss me out. Don't hear I have five baby moms. Not five baby moms. Five bitches? So here's what happened. I found out.

Editor, bring back when he said she revels in the drama. Because she revels in drama. I really don't. I'd be chilling. I'd like to emphasize. I'm starting to think he might be right. She is the drama. I told this dude, I did not want to do anything with him anymore.

I found out he had a girlfriend that he lived with and he was sleeping with all kinds of different girls and I was like, bro, that I'm good. You were open. I don't know. No. We weren't dating. We weren't together.

But you weren't dating him. I know, but I just told him. I just wanted you to be honest. But then I found out, like I said, he had her girlfriend and stuff. She had outreach. And so me and her had a conversation. She kicked him out. And he's just basically spiraling and he's blaming me for a spiral,

but he's a 46-year-old man with no job, no nada, nothing going on. But this is my best friend's cousin, I think it is. I don't know. You're fucking your best friend's cousin. Let's talk about student loans. I know it's something we all avoid talking about. But if your private student loans are crushing you, why Refai might be exactly what you need.

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Yeah. What's your relationship with your current boyfriend? Well, we're just kind of, we're just dating. We haven't done anything. We're just kind of seeing each other. How do you know him? He actually reached out to me on social media. Randomly?

Randomly. He had been following my social media, I guess, for a while. So it's a random person? Random person, yeah. Okay, not your ex-co-worker? No. The ex-co-worker, we're, you know... What the fuck? We don't want to complicate things because we work together.

Oh, current co-worker. Ex-co-worker. That's your... We just recently stopped working together. Wow, it's moved that quickly since Lindsay is on board. you guys. That's how quickly you run through dick. No. The ex-co worker is somebody that

had liked me. I liked him. We didn't know. And we, you know, we would go out and have dinner and stuff, but we weren't doing anything. Dude, you're getting permacucked the entire time. You know. That's crazy. At this point, it doesn't even concern me anymore because... Do you know her current boyfriend?

Do you ever even see him? I've seen him. No, her current one, no. I don't, the other But the one she just ended, the ex? Yeah, I'd seen him before. I heard you guys were friends. Who? Oh no, that's her baby daddy.

Oh my gosh, they're everywhere. This is insane. This is insane. Yeah, him and my ex, baby daddy get along. The notes couldn't even follow along. That's how much dick you go through. And the notes are always right. This is the first time it's wrong.

What's your body count? I don't know Honestly I don't know that's my I don't know mine either I don't give it But it is It's very crazy

As a mother of four Who just left Her husband Three months ago And moved her mother In To do the mothering So that you could just go ride dick

Actually I work more than anything Doesn't matter If we're being honest If we're being honest She did say she needed a break But I get it though If after two years

You've been saying hey, you need help. I mean, I get you need a break. Help, that's fine. I mean, everyone needs help on certain things. I don't know. And I get the relationship wasn't perfect and dude wasn't doing what you wanted

100% the way you wanted to do. But let's read this the right way with what's going on and how you are doing things. Okay. You moved your mother in so you could move out and get to the cheek slapped a bit more.

The moving out was actually something that I didn't know I was going to do because originally no, Originally, Malink was supposed to move out. Bullshit. No, I did not know I was going to move out. Originally was supposed to move out. Okay, well, okay.

Stop saying it's a real name, by the way. We bleaked that, but it's Justin. Either way, the moment you moved her in, you moved out and started getting them cheeks clapped. Actually, I started working more. I ended up moving up positions and started working hell more. Girl, we literally just talked about like five guys here getting interacted within the last few months. And that are, they're not hookups.

They're literally, you just got triple called in this conversation. Remember a guy saying, you know, how much you fucked up my life? Why does he think that? Because me and his ex that he was living with at the time that I didn't know about. Call him back and ask how you fuck up his life. Okay. Let's call him back and be like, how did I fuck up your life? You think I f*** up your life?

How did I fuck it up? All right. Let's do that. What's his contact name? It's F60.08. That's the medical term and code for narcissistic behavior. Personality disorder. It's hard out here for a pimp, ain't it?

Shit, you're telling me. He's not answering. Give me your phone. All right. We'll get him to call back. Oh, shit. Let me make sure you're not on. Do not deserve good because we need to hear it when it happens.

I will stand guard. That works. Okay. Okay. So what's your current job then, that you're so proud of grinding? So I just left, actually, last week. I started a new position. on Monday.

Huh? I just left. I was a service advisor. You just quit your job? On Wednesday, yes. Yes, I didn't. And I started a new one on Monday. It's a better job, I suppose.

What the fuck are we doing, though? It pays more. Was it lined up when you left? Yes, it was lined up when I left. Okay, that's fine. So what was the job? It was a service advisor for Chevrolete. What were you making?

Probably about $4,000 a month. And now? And now I'll be making a buy. about five, it starts at 32 an hour. So I'm a auto body service area manager, so I just kind of travel to different cities. Oh, is the

gas reimbursed? They actually give me a vehicle. Good. They give me a vehicle. 32 an hour. Is it 40 hours a week? 40 hours a week. Okay. Not bad, but Seattle is desperately expensive. Should be more than $5,000 a month, but after taxes, after Benny's all that stuff. I'm sure about $4,000 is hitting your account.

$4,000 will hit your account a month, which is about? Yeah, probably just about. What do you do, Justin? You were the breadwinner before... Whatever the fuck. Now you live with her mom. It's weird. Okay.

Yeah, for the time being, but she's going to end up be moving out eventually, so... Is there a plan for that? Yes. To move the mother out. Well, she wants to get her own place eventually, which is fine.

What's your job, Justin? I'm a cook right now at a nursing home. Yep, they got to eat. Makes sense. Okay. Okay. Well, I mean, I heard that you got in an argument with your HR representative and you just walked out the building. I sure didn't. So I don't, was that job lined up? It doesn't sound like it. No, I had already been looking for another job. Okay, so the job wasn't even lined up and you walked out. So you moved out, got your own place, abandoned your family, right in dick, and then you left HR after getting in an argument without having something lined up.

No, I already had the job offers. I already had the job offers. I had been looking for weeks before that for a new job. And I had already had those other job offers. So I would. was just kind of still there, finishing out the pay period. And, well, they kind of pissed me off. Finding their new co-worker. Okay. What do you make as this cook? Right now, it's 22 an hour. Okay.

So definitely not the breadwinner anymore. She's making $32. So he makes $3,400 a month. His checks are about $1,600 every two weeks. And then he also gets his disability every month, which is $4,400, and $47. Yeah Huh? Wait, what was that?

4,447 he gets every month From his disability. Disability what? VA. You're in the military? Yeah, it was, yeah. Wait, what hits your account? Sorry, for VA?

4,447. Whoa, that's crazy. Yeah. 4,447? Yeah. What did you serve? I was an army. Army?

Yeah. Okay, how long did you do? Five years? Where'd you go? I went to Iraq. And then... We love Iraq. It was hot.

Were you out in the field? Some of the time. Some of the time, what happened? What's your disability? My back and my neck and stuff like that and my knees. What caused it? Just time and just like the service and what they would have me do and stuff.

What were you doing that caused your back and knees to get injured? Just when we would do the marches and stuff like that, all the equipment and stuff like that, using all that shit. Wouldn't that be everyone? then? Yeah, everyone. Everyone ends up with issues when they get out, whether it's 5 to 20. Okay. Hmm. I'm definitely

not against disability, despite what clips say. I want veterans to get even more disability when they get disabled. Yeah. But if we got disabled from... Well, PTSD and things like that too. Well, people are getting it for acne. But if we get disability through marching, which every single person in every branch of

the military does, then what is the Just marching. Every single person get disability? I mean, you would think if they're smarter enough to go and... Go and get coached on how to get higher percentage ratings. Hey, that too. If they're smarter, that is a part of it. And many people out there aren't even willing to admit that.

Hey, not necessarily... Did you get coached? No, not... I didn't get coached. I actually wouldn't get seen, and I haven't... What's your percentage? A hundred. A hundred?

Yeah. Oh, yeah. Okay. Okay. For marching? It's not just fucking marching. Well, what? What happened?

Did anything happen? I mean, yes and no. Just after my time and service, right? After your time and service? No, I mean, it's a recurring thing. Like, after being, I've jumped out of planes and shit. I saw all that stuff. Did you hit the ground incorrectly?

Like, people jump out of planes doing skydiving all the time. It doesn't mean they get hurt. Yeah, I mean. You're getting hurt? I got hurt before. What was your hurt? my back and my neck. What caused you to get hurt?

Yes, what caused you to get hurt? What actions? Oh, I mean, just over time, like, after, like, reoccurring injuries and stuff like that. I don't... What injuries happen? It was after... After jumping out, right, I did land wrong a few times. So, I mean, obviously, you're coached on how to do it correctly, but I didn't do it right.

So after that, I... You didn't do it right. I did not. But you're a coach? to doery? Yes. Hey, doesn't sound right. And obviously you're the one bringing in the gold. But I do know.

Not from the notes. Your family thinks she's a gold digger. Because I had two kids. That's all they knew about me. Was that he was somebody that he met. He was out of the military. They thought I was after his military money. I didn't even know he was in the military right away or anything about that

when I had met him. So they just assume she's young. She has two kids and she wants his money. and his benefits. But lo and behold, it don't really matter because I wouldn't have been able to get it anyways because he was already married. Huh?

Oh, yeah, I found out a month before our wedding. It was three months. Well, three months. Yeah, three months because we had to do it. Three months before our wedding that he was still married. So what is this? Why are you fucking her while you're married

and why are you fucking other people while you're married to him? Me and her, we weren't. You paid it back? No, I mean, that's what it looks like, but that's not, we weren't together. We had our, separated for like a year.

You guys keep doing these separation things without actually, why don't you guys get to force that ever? On my part, I told her that I did and I basically just, I kind of fly, I lied about that shit. And why? Because I was like, I thought I would be able to get it done, you know, but I, I didn't. And then. No, you didn't.

You didn't even try to get anything done. I flat out lied a whole time. Yeah. because at that point it was already... We would have went to get our marriage license and we would have been denied because he had still been married. Had his ex not had called,

I wouldn't have known he was still married. What? Yeah. What the... That's insane. Did you guys go open immediately? No. Why did we go open?

It was something that we had talked about, something I had done before and I had talked to him about it. You've done it before. Yes. You are a slut, yeah. I mean. No, we love sluts.

I love sluts. I love sluts and I am a slut. And so I did tell him like, hey, this is something that I like, plus I'm by. We don't like girls too. I like girls too. So it was like, you know, at first it kind of just started with females, you know, but after that, you know, we just kind of. You know, we just decided that we were going to open it up. You know, he said that he was good with it.

I literally asked me a lot of times. And where are you actually good with it? I think I was, but at the same time, I was still trying to give her what she wanted. See, that doesn't work. Open relationships honestly can work, and they can be a good thing, but both have to actively want it.

If one person has a slight hesitation, then they're only doing it to please the other person, it will fail every time. You can say, I've even asked him, like, are you sure this is what you want? I don't want to do if it's not what you don't want to do. And his thing was like, well, you know, he never actually told me that he didn't want to do it.

She made it seem like if she did. didn't want it, if I didn't want to do it, she's going to leave immediately. How did I make it seem like that? I would have left for a go. No. It wasn't. If you didn't get to go ride other dick, you were going to leave? No.

Just get married, produced two kids. Hey, if you don't let me get railed, I'm out. No, that's actually not in it. Is she a slut? Yeah. I'm not even, like. I know she's trying to fuck someone while in Texas for the show. Who?

You. I'm trying to fuck someone. Oh. Yeah, no, she's mad that I don't want to talk to her because I'm not out here. I'll show you right now. She's upset that I have not reached out to her since I've been out here because she likes me. And I had already told her before I don't see us being together or see us progressing with anything. All right. Show me the text.

Okay. So this was her today or yesterday actually upset because I didn't reach out. And this is a finance show. That's wild. Oh, Snapchat. That's how you know what slut behavior. Oh, save everything. Look at her snaps for.

And again, I'm not saying this is an insult. I am a slut and we love slut. You know, I think I used to be a slut. Oh, he was. And then. Because a month before our wedding, we had somebody reach out that he used to fuck around with. Oh, you last thing. Oh, wait.

She said, okay, you're upset that I didn't talk to you. I know it wasn't going to happen. I'm posing, but not on my phone. Fight, fight, fight, fight, fight, fight. Yeah. You know, we get along, we chat on the phone a lot. Like, she's cool. You told her you needed weed ASAP.

Yeah. Okay. On the finance show is wild. Is this you or her? That's me. I was showing her my dress I picked out for out here. You don't want to go too far. Does she send things?

No, not really. Because we FaceTime all the time. We video chat all the time. Like I said, she's... What is ghetto? No, that's me. Does she ever send things? What does she look like?

Hold on. Don't. Okay, I won't go further. I can show you a picture of her, but... Okay, we got a cute dog. Oh, yeah, that's my dog. Okay, your dog's precious. Yeah, if he was actually supposed to come, but...

What the fuck? Yeah, we couldn't fly with him and a baby. See if she said. Oh, the baby's here? I have all my kids out here, yeah. We're all going to go to New Mexico. Where are the... With my mom at the Airbnb.

Well, because I have... family. It's my grandma's probably last Thanksgiving. We have more family out here too. Yeah. We just came back to visit a friend and family too. Show me the picture of the woman you're trying to. Okay.

Every person that you go for after you've abandoned him is black. Which isn't bad, but it is interesting. I feel like she's left you for a pure bread. You know what's crazy? Your bread is crazy. You know what? But every picture, though. That she, every person I've seen in there and everything,

it's like she left her mixed dude for black guys and girls. She had the best of both worlds, right? Which is not bad except she, but she's leaving for the full thing. Yeah, right. But the full thing comes with other problems. What do you mean? The drama she's dealing with right now. I'm chilling.

That niggas crazy. He is crazy. Whoa, can you say that? I think you can only say half that. Nope. He did. I have. have enough. My dad's full black. So.

And your mother? She's white. As hell. I think you can say, pasty. Let's bring in Tyler. I feel like I'm black enough. You know him, you love him. He's the favorite, favorite producer of Hammer Media.

What up? What up? Oh my gosh. I love y'all. What's up? What's up? Justin is a half breed. Yeah, I can tell. The nose and the lips, right? Yeah, you look black as front. Thank you. What up?

Well, I suggested he could only say half the word. No, no, he could say it. He can say it for sure. Appreciate you. He looked like some of my family members for sure. Well done. We got the test. That's crazy.

I told I was invited to the cookout. If you want to know if you can say the N-word, go to Calebhammer.com slash N-word. Take the assessment and see where you stand in the world. Again. Again, it's crazy. Again. N-word? No, we've done racist.

Oh, okay, yeah, yeah, yeah. So, Calebhammer.com, forward slash. That would be even fun. N-word. That is N-word. word. See where you stand in the world of being able to say the N-word and what you need to do to improve your ability to say it. Yeah, go ahead. Tell you about. Nigger? Nigger, what up? Yes, sir. That's all talking about. Me too, me too, right? Yeah, yeah. What, no. No. No, no. That's funny.

We have permission for all those ladies and gentlemen. Before someone tries to cancel. Okay. Well, okay. Well, I got to get into these finances. Speaking of this course, okay. Well, first of all, Okay, I want to know how do you guys want me to do this? Are we done? I think we're done. Believe me, you don't want to know. There's so much. It's not.

No, are you two done? Oh, like for good? Am I doing this as a household, or are we trying to see what this looks like independently? So we actually have our finances combined because our goal is to just pay shit off, and then it'll minimize. Why?

You're so beyond separated. Dude, you're taking it at every hole by every dick besides his. When was the last time you two? Uh, yesterday. Oh. Yeah. This wasn't yesterday. No, not this morning.

Well done. Well done. Proud of you. Um, are you on the apps, dude? Yeah, kind of. Okay, we will review his dating app in the post show with Brandon. We'll bring in the dating app professional Brandon himself. Be dog, you love him.

We'll review it. I have been, but I deleted them, so. You'll read download and we'll review. Okay. So, but again, where are we trying to go from here? Are we trying to go separate and independent? or are we trying to go together? We are trying to go separate and independent.

Okay, then I need to do two, I think. Right? What do you mean eventually? Why is it eventually? What's the philosophy now? Okay, so the whole thing was we were going to stay married until I finish my, because he don't want a divorce yet. So we agreed.

We would stay married. We'd do a year, just kind of figure out, you know, if he got his shit together, if he was willing to learn, stuff like that. I work. I'm going to school full time. And so, you know, we were like, let's just keep our income. finances combined. Why?

You're okay with this? So, does it make sense to you? When I, when we originally had this conversation, right? Um, me personally, right, I don't handle a lot of the finances,

right? Because I suck at it. Well, yeah. And honestly, again, I'm not saying you don't deserve the disability, but because you get this permanent income forever that goes up,

you know, every once in a while. You're also not really incentivized to ever learn finances because you don't have to, worry. Sure, you could overspend, but you know you're always going to have money to come in that can save you. Yeah, and I kind of...

You're kind of enabled in a way. I'm not saying you shouldn't get it. Yeah. But... Okay. Guys, is the relationship done? I don't know. Or is it coming back? I don't know. I mean, we... Did you ever try a couple of therapy? I brought it up, but she refused it.

What the fuck is wrong with you? She don't want to go to therapy because then they'll make her see what she does. First of all, commie days. I kind of agree to a certain point. Here's the thing. thing. If you said he won't fix anything, you won't fix anything, you won't fix anything, I tell you these things, here's how we communicate

you're not willing to sit down on a professional environment who can help you communicate effectively? I think what the fuck is wrong with you? I think neither of us are very good at communicating. I agree. You're willing to give up a band your children, move your mom in with him and move down the road to take out their dick instead of actually literally talk to a professional.

What is wrong with you? It's not even just that. Yes, it is. He said no. He said you brought it up. He said he brought it up and you said no. No. That's how it went. It wasn't a straight no. It wasn't a straight no. He was required to actually do his own research, find a therapist.

He couldn't do any of that. He didn't want to do that. He's so used to letting things just shit happen and I'm the one figuring out. I'm the one planning it. I'm the one saving shit. I'm the one scheduling shit, finding, doing the research.

I will not disagree with that. She does that. I will not disagree. Yeah. I totally do that. And that's just because she's done. Why don't you find someone? No, I don't.

did find someone. He did not. Who's right? I can guarantee he did not because his thing is, if he does, she does come. Honestly, I looked, but I didn't put a ton of effort into it, obviously, because at that time... But you found someone. I mean, I saw someone. I looked and it was one of the first couple of people I even looked into.

I didn't... Did you have contact with... It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills Starting at $179, like the next grill three burner gas grill Or get $50 off a select Weber Spirit grill And bring big flavor to your backyard. Then set the scene with Hampton Bay string lights that bring it all together.

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And finally, sign up for automated investing with ACORNs. Typically the sign-up bonus is only $5, but with my link, you get $20. Ladies and Gents, you get money, I get money. Enjoy! Links are in the description. below. No, because I brought it up to someone. I showed her someone and then she did refuse. Okay. He showed you someone.

No, he did not show me. Because when you look into it, right, I had already told him you need to find someone then you're going to have to figure this shit out on you. He says he presented someone to you. He didn't present anybody to me. And even if he did, let's say he did, right, when you presented it and when you found this person, did you

look at anything? Did you look at insurance? Did you look at where they were located? He didn't. He didn't present anyone to me. He didn't present anything to me. me. That's what he does. He'll be like, oh, I have this idea or let's do this or I want to do this. But if he brought someone to you, would you have done couples therapy? I would have done it, yes. Would she have done it? I had told her to go to her own therapy by herself.

No, no, no, couples therapy, man. I don't believe. I don't know. I don't know. I can't say for sure. Because part of me says she would. Part of me says she wouldn't. But at the time, I had told her, you know, hey, you should go to see your own therapy as well. But she said she didn't want to do that because she couldn't find that they were a therapist. I don't know what to do going in in these documents and making a budget at the end. Because I don't know if you guys are together or not. I know you technically, financially are right now.

But I don't even know if that makes sense. Because you guys don't even know your future. Yeah. I mean, we said we'd give it the year. Gut check. Got check. I'm going to go three, two, one point. I want you to give me your percentage to 100.

100% is we are 100% getting back together. in my gut. Zero is we will never. I'm going to go three to one points, and I want you guys to say at the exact same time what you think the percentage is from your gut,

or at least of where you want to go, okay? So three, two, one, 70%. Okay, so we're both on the side of going together. So I'm going to do this as combined. Are you surprised to hear 70%? Because she's the one that literally packed their bags and left.

I was, yeah, caught off guard by that, yeah. but I think after being separated for a bit things have been a little different we've had... Better? I think so. Are you okay with her getting railed?

Endlessly. Honestly? Don't even lie. He said it's turned him on before. Ooh. Part of, you know, because I... A true cuck? No, no, no.

It's not a bad thing. Don't think it is like a embarrassing or a bad thing. No, it's like in the sense of like if I was having... sleep with another chick. It's not like she wouldn't get turned on as well. So it's the same concept. I mean, I'm into girls, so that's a given.

Yeah, but it doesn't have to. But the idea of it turns you on? I mean, yeah, it didn't bother me. I mean, it was kind of hot when it happened. I mean, a three-way would turn me on. Oh, yeah, see, but him doing it, I don't care about it. I'm not going to sit there and think about it. Like, it's like, okay, cool, he did it.

I'm not going to sit there. No, it turns him on. I mean, that's wonderful for him. I mean, at the time, because it seemed like she, like, at the time it did, but like... And you've never a cucked corner. No, actually. Mm-mm.

I think you should try. I think you like it. I don't... Embrace your kink. What the fuck? Embrace your kate. That's wild. We don't kink shame here. We kink shame a little, but we don't kink shame here.

That's insane. Embrace the cock. I embrace the goon. Embrace the slut. The goon is wild. Ragooners here It'd be like that sometimes Sometimes it'd be like that

Okay, so then we're gonna do combined So I'm gonna do another one Three, two, one point, on point I want you to give me what you think your household combined financial score is Zero to 10 10 being the absolute best you can think of Zero being the absolute worst

Okay? Three, two, one, four Five. What the fuck? I guarantee you guys are not on the show If you are middle of the road If you want your Hammer Financial Score take the assessment for free

it only takes a few minutes at Calebhammer.com, see what you need to do to improve your finances or where you're already doing well, Calebhammer.com. And if you don't want to be like a guest who ends up on the show, make sure you download the dollar-wise budgeting app at dollarwise. Take the free trial to see if you even like it. It is free.

And then if you do like it, you can always sign up for the annual version to save a lot of money. And when you do, for only a couple more months, I will personally sign my budget-friendly cookbook and mail it directly to you. All the links are in the description below. Check those out. Okay, guys, let's jump into these finances

in this financial show, financial audit. That's insane. What? This is a finance show. This is more like Springer. Dude, it's full Caleb Springer. I'm here for it. I'm here for it.

I love it. Bring it back. Listen, make finances interesting and more people learn. I vibe with it. Trust me, I love all the finance shows. That's the reason they don't get as many views. Very true. Which doesn't reach as many people

Which doesn't change the lives As many people So it works for me Milestone, what's going on? By the way, combined household income is $11,847 Net on a monthly basis Now with a new job

NET What? Yeah With my income His own child support Okay 12,800 Okay milestone What is going on?

Who is this? Mine Okay What's going on? I just used it When I went out to travel I mean this earlier this year. This year?

Earlier this year. Abandoning home even more? Who would have thought? Is that someone you want to settle down with forever? Someone who's always abandoning? Okay. Wow. We, um,

big guy. Did you know she owes 909,087 cents when the literal limit on the car that she's able to spend is $500. That's actually because our gym membership continued to take out. And we know neither of you are using that. Yeah, we stopped going to that gym. We're getting... You didn't even have to say it.

Yeah. Okay. So, what the fuck? That much? Hundreds? No, what is Duse crew? Duce crew. That's the name of the gym.

We haven't been there in over a year. What the f f f f just happened? 70, 170, 148, 64, 70. All in one day. What the f*** just happened? They keep charging me and I contacted... Charging for what? That was like a thousand charges.

That's what I'm saying. That's the gym. Like, the membership we were paying was like $300 a month. This is a Bose moment. It's 10 blocks from. the train to your apartment door. Ten basic, boring city blocks until

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Find your perfect product at Bose.com. Look at her gym is. Because it was like a personal trainer. How long have you guys? Once the last time you've been? Either of you? Oh, I went to the gym the other day. I have a French member sip.

No, not there. Did this gym you, you tit? Over a year. What the fuck is wrong with you? Why have you not canceled? What is wrong with you? Are you broken? No.

I tried to reach out to them. Yes, I had. Did you go in? Yes, I went in. And I've already spoke to the lady. Ann? She said that we didn't write like a 30-day notice, so I had to rewrite a 30-day notice, basically.

Report this to the card. I did report it. And if you look at the statement, they gave me the money back, and then they took it right back out. Can cancel this ability to charge from that bank to the card. You can. Oh, there's a lot more.

Okay, one Amazon, Parkland Light. Electricity. Okay, that's electricity. That's fine. There's your cable or internet. That's very expensive, though. Payless smoke in Mart. Friendly nails, let me see.

Oh, I don't have any right now. Mm-hmm. I don't have any really. Amazon boat event going in getting some bullshit. Rips. Rips. Yeah. Fuck you.

Mother. PayPal driving. Your mother and you're smoking. You're morbidly obese in smoking as a mother. What is wrong with you? Don't you want to be around for their graduation? I mean, we're around. We're here.

For their graduation, you dumb. What do you think that means? Working for a little bit of weed. I'm good. They're eight. You're ripping in fat. Yeah. Just being real, I'm not even trying to insult you.

I just want them to literally, listen, it is 10 years until the first one graduates high school. I want you to be there. Mm-hmm. You're not going to be there. You might be there for the first one. I don't know about the one-year-old. I mean, I've been going back to the gym and stuff.

I've been sticking to it. We're still putting smoke in your lungs. Yeah, I am. We do smoke. I did say I was going to cut down on weed. Huh? I said we did. We were going to slow down on weed.

We're going to slow down. That means you were. I think we did. I think we did. How do you think we did? How does that happen? How do you think? You said this place was steps from the water.

We just haven't found the steps yet. How much did we save? Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your ocean front room. Just steps from the water. The Hilton sale is on now.

Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected. When you want savings, not surprises. It matters where you stay. Hilton, for the stay. What? What? Did you or did you not? Well, I mean, I don't feel like I've been smoking as much because I work so down much.

I can't be high at work, you know? So I work all the time. So when I get home... Work all the time. You just walked out of your job. Yeah. But you mean work all the time. You were 40 hours a week.

No, not. At this new job, I will. My old job, I was not. I was working like 60 hours a week. I was leaving and getting to work at 7 a.m. And I wasn't getting home to like 7.30 p.m. Seven days a week? Every day except Sunday.

Six days a week. Yeah, yeah, that's a lot. I would have to leave my house at 5.45 to get to work. Over limit fee, 29.9% interest. You're accruing interest like crazy. Okay, premier bank card. Who's this? Mine.

Okay, two in a row. That's not good. Okay. We have a balance of 286, which is basically maxed out. $0.30. $0.30 fee with purchasing of $100.1. Why are we purchasing on a card that is accruing interest that is getting fees that you are not able to pay off

on a minimum monthly basis. What the fuck's wrong with you? So we were paying them off on a minimum monthly basis. Right, you're not. And now you're purchasing it on a... Why? Yeah, we... Why?

So I had used majority of these cards when I was going out of town. Like I said, at the beginning of the year, I came to New Mexico, or went to New Mexico with my kids. I was out there for about a month. I went to Reno. I was out there trying to meet with Pop Warner. Dude, you don't get to travel everywhere.

I'm sorry, even with family. If you cannot afford it, if you're putting your entire family's future into the fucking ground, you don't get to travel. What is wrong with you? How often are you traveling? Ah.

I'm being told you travel constantly. It was every month, every couple months. Yeah. It was every month. For a few months. For fuck you. Why? For going to visit family.

Fuck you. I wasn't working at that time. No shit. You only just started working and you're crying about it. Yeah. So I don't want to fucking hear it. 27 and you just started working. Let's be real.

I didn't just start working. I've been working. I just was to stay at home for a while. Yeah, when I worked from home, yes, I sure did. I could take my laptop and go. He was traveling with me. Yeah, how about you actually pay on time? Why are you having late fees?

Did you know she's having late fees? You know, honestly, if there's issues with the bills, I wouldn't know because I didn't even keep track. He doesn't look at any of the finance. Okay, you know, and that's fine that you don't look. No, it's not, though. Because what I would say is, why aren't you making him sit down with you. I have. Have I not? We've done that before.

Why aren't we doing it on a reoccurring basis? Why aren't you pushing for a recurring basis? I have. Oh, come on. You can make him. It's the same. It's the same. No. I have. Dude over a meal. I've even, it's not even a meal. I will literally sit down with my laptop and say, hey, I'm going to go over a meal. No, I'm saying do it over a meal because I know what you guys liked. They're called meals. So we, so we. No, we would sit down and he would be on his game and I'd be like, hey, come do the finances with me. Well, obviously, okay, first, you're trying to take a man from his game. Okay. He needs to learn the finances. Speaking of every penis wearing individual out in this world,

the dude was in the middle. He was in the middle of blasting some heads in the new battlefield. You can't take it away. He has to win that match. So he's squatted up. You think that's when you're going to have a financial conversation? You're setting yourself up for failure. No, it's the same time every time.

If he was doing it in the middle of you, if he was doing in the middle of you getting your nails did, you're not going to. Just stop. Come on. He's in his hobby. He's in his mind. Now should you be doing it as much as you are probably not?

No, no, no. You're blazing it up and you're just ruining your entire future. I will call you out for that. But you think that's the time to do it. Fuck off. Do it over a meal. Make it nice. Make a mother watch the kids.

We get a shit ton of, I'm guessing, McDonald's. And we just, no. Not McDonald's. Fine. Burger King. Wendy's. I can't eat beef. So.

She's allergic to beef. I'm allergic to beef. Are you getting ice cream? No. Like I said, these past few months, I've been really watching what I eat. Fried chicken. No. I don't like French chickens too crunchy.

Well, so I was bigger. Too crunchy. I lost, I lost like almost 30 pounds in the past since June and July. And yeah, you're taking this much dick. It's honestly impressive. I've just been focusing on that. So, um, good for you. Good for you.

We slowed down on eating out. So I eat at my friend's house. They usually make dinner. What? Mm-hmm. Oh, the deck. writing friends? Oh, well, the twins, yes.

Huh? They're my best friends. You're fucking twins? No, they're twin sisters. They're my best friends. They're the ones that I'm always with. Over a meal that you both like is when you sit down, don't take the dude from the game, don't take it from her nails, you do it in an appropriate time that makes sense over something you both enjoy

that is chill. But you just think for years with it being routine, I sit down every time at the month. Are you not willing to actually do the thing that I say you should probably try to do? Well, we've tried it multiple times. The whole concept is. Girl, you think you're okay, you think you're the one advocating for something proper, you have a credit score of 476. What the fuck is that?

A credit score under 500. Mm-hmm. You never even hear about that. You're ruined, you're broken. You ran through. What? I didn't mean that. Yes, I did.

The whole concept, I guess, is her feeling like if he wanted to do it, he would do it. But, I mean, at the same time... Even still, does it even matter? And he's not sitting down for you to have had three late fees as you? year so far on this card alone. Three, three. That's him not sitting down. Fuck you. You're having three late fees. The minimum of the payment is $30 and you've missed that

three times this year. What the fuck is wrong with you? Also, you can travel once a month. Fuck off! You're the one that I wanted to come on the show. He's never seen it. And we never have people on the show who's never seen it. I'm glad you at least went through the onboarding process, but you've seen it. You're the one who applied. What do you think so far?

It'll be a good wake-up call for me and for her. Yeah. Okay. What the fuck's wrong with you? Three late fees? That you bitch and moan about him not sitting down? I would too. Come on, you're fucking it up. This isn't him not sitting down.

Yeah. Well, I mean, I'm the one who handles it. And honestly, it's... Handling it, you're not handling it. You're late. Yeah. Unlessly. Endlessly.

Yeah, that one is the one I'm late. Like I said, the charges kept coming back. I can't do shit about that. You. We looked at two. One was over the limit. Two. The second one had late fees three times this year.

you bullshit speaking of which who's the quicks over one that's both of us it's our CAPRA one you're both on this yes who opened who's authorized

actually I opened and I'm authorized he's authorized his parents are authorized your parents are authorized on this card they don't have it they don't have the card though they don't have the card but they're authorized because they were

struggling at the time and we were trying to help. So a credit card is the... Guys, generational f***ing mistakes. I'll tell you that. Balance of $316.82, which is over the $300 limit. I'm glad they give you small limits across these cards because you guys can't be trusted for...

Minimity payment 36. I bet it's usually 31. However... Minimity payment 63, sorry. Minibumpty payment is normally 31, but... Oh, we're late! We're behind! Bays, interest, and purchases who purchase?

Who purchased? Who purchased? Who has all the Apple bills? Apple, Apple, Apple, Apple, Apple, Apple, Amazon. Going into some bullshit. Why? Who is that? Amazon is me. Apple, I don't know. I don't... The fuck is wrong with you guys. A lot of subscriptions, because a lot of them we've canceled. A lot of five late fees this year so far on this card. Fuck you, the last card is the only card you're late on.

Fuck you. Five, five! Five! The last... I mean, well, damn, I can't... Open your phone. Give it to me. Give it to me. Give it to me now. Why is this pussy not texted back yet? Why is the guy F60.08 saying bring the twins a gift. You have no idea. Bring

the twins a gift of life. I have no idea. The fuck does that mean. Okay, let's look at your subscriptions. Calenders. Why the fuck would you have calendars when you have a calendar? Apple want Gmail? You need to pay for Gmail? Yeah, they make me pay for storage. I can't receive email.

anymore. Okay, let's see Amazon. And then pull your phone out too. We don't have to look at that shit. Something in the cart already. You have a $900 MacBook air in your cart. Why?

He doesn't know this. He doesn't know this. He doesn't know this. He does know. We had this MacBook conversation. He said 700. Well, I stuck it in the cart to say because I have sales.

Before taxes, you fuck. Well, it was on sale and they don't have it on sale anymore. That's why it's still sitting in the cart. That's crazy You got a small You got a dog shot collar Okay Hassan

For my other dog She's older and she barks a whole lot My mom said so Why are we shocking dogs It has like a vibration thing As long as you only use the vibrate I do a vibrate beeper thing Yeah that's what it has

It's like the vibration beeper thing Or whatever my mom said So What Okay Wall mom But that was A full length mirror

Trust me You're gonna need a wider one King-sized floating bed won't be floating for long am I doing well Is he good TV backlights Yeah that's more important

Than taking care of our kid That's well done Plus-sized lingerie Trying to get dick down I think Bling USBC car charger That's critical Ringlight f*** you

Phone case Phone case Little Ride Robin Hood My daughter's costume Oh thank you Big TV stand Even though you got a wallmountain It's interesting.

Lucas starter 1906 compatible, something, and then a rug. Yeah, it's just all bullshit. Fuck you. Bullshit, fuck you. Now, see yours. Is it open? You gotta open it. I don't know. Your password or face?

I don't buy anything, really, so. I'm looking to your subscription. What, do you have a different Amazon? No, I don't, I never use it. I don't really. Yeah, I'm looking at, no, spending's you. Well, let's see your subscriptions.

Prime video, another Apple one. H-I-dive? High-dives for anime. What? Black people and Asians. Spent a lot of money on anime. To be fair, I was around

before it got popular, so... Well, it's been popular for a long time. Well, before it became mainstream, I suppose, you would say. I-Cloud Plus, that's okay. Universe of Remote. I'm glad it's expiry, but what the... He was paying for Tinder December last year.

Yeah. Okay. We continue. Okay. Who's the capital one? Platinum. Both of us. Again.

Okay. We owe 3.29. 07. I bet the limit's 300. Yes, it is. Wow. We're completely f***ing every way whatsoever. $30 million worth the payment.

But, uh-oh, we're behind. And uh-oh, we purchased it. Uh-oh. It's Amazon, which means it's you. So far, you are the problem. He's not looking at shit, and that's bad. And he needs to be a part of the company. communication, but the spending

and debt is you. Yeah. So how can you come in and bitch and moan? Today we helped a latte for Sam. Coffee shop get an insurance quote simply and easily and made sure a floral delivery van

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at thehartford.com slash small business. Too late fees this year. So again, f*** you when you said that was the only card, two cards ago. What do you think so far looking at this? Because this is your first time looking at it, which is an issue.

But yeah, what do you think so far? I mean, like, I've sat down and I've looked at it, but when we do talk about it, I'm going to be honest. I don't retain the information. So. Well, yeah, you're... Yeah, partly.

So am I? it happens, but you just have to keep looking at her. Use the budging nap. Why aren't you using it otherwise? You get it for free for the rest of your life, so enjoy it, use it. Then you don't have to, like, sit down and look at shit, but... Yeah. Makes it there and easy and digestible. I think it's because I get lazy, and so I refuse to sit down and, like...

It's probably because you're fat and smoking weed all the time, dude. Probably. Wait, well, no, actually... Yes. We would all be lazy with that. Come on. I'll let you use the physics. card. It's a debit card that builds credit because we do want to build credit.

Or maybe you. I don't know. But it only lets you spend what's in your checking account. And I'll get you a course career certification as well of your choice so that you can find something to kind of, well, maybe you should get that. So that you can get a better job, a more fulfilling career. A lot of people in the audience have used that and they've been able to get a better job. So, okay. America Bank, who's this? Mine. You? She's the problem, right? I'm the problem for not paying attention to it.

Sure, but she's the problem for doing everything that I got you. Right? Yeah, if I'm being honest. $35 minute of the payment, balance 434. Limit of five, at least we're a little under this time, 15 months to pay off if we do minimum only without purchasing. Oh, there was purchases. Oh, we've had a late fee.

It looks like every month this year so far. She's been late every month this year so far. Guys, just real quick, don't forget to take your Hammer financial score at Calebhammer.com. See where you stand where you gotta do better where you're doing shit Listen it just takes a few minutes in it is free figure out where you stand in the world of money Calebhammer.com Starbucks is Bullsh-sha-and a waste of money and you already know that by making your coffee at home and investing the rest

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Type in code Caleb. What do you think? How does that make you feel? That we're f- And it's pissing you off. You're pissed? What pisses you off specifically? Because I didn't do my part to look at it.

So now it's gone to shit. And now it seems like everything is late and everything is behind or whatever. What's going to change? I'm going to make sure that I sit down with her so we can do this shit together. This is ridiculous. What now makes you actually want to do that? The fact that it's late. And we shouldn't be almost 30 struggling like that.

It's ridiculous. What do you think when you hear that? I mean, I figured it was coming, but I mean, shit, I just kind of left it alone. It was just a lot, and I asked him for help, and it was whatever. You're a mother. That's not an option. But my biggest thing is, I want to be able to see the kids experience shit.

Right now. Dude, nothing in there has been kids experiencing shit yet. With shit, Amazon, everything I purchased. Buddy, I just went through the Amazon. There was one Halloween costume for them. The rest was you. Yeah, that's because I have a different Amazon account. I don't know how to get back into my other one.

is linked to my old phone number. That's wrong with you. And also, it's just last month anyway that we're looking at, so it wouldn't be that case if you're going to get into it. And this is for Verizon. You got that on a card that you can't pay off. Okay, what is this?

Oh, it's a firm. Wonderful. Who's a firm? That was mine. Huh? Interesting. I used a firm when we moved to Washington. What? $596.44? Why?

Why? Because that's what I used to furnish our new house. Oh, you could have gone on Facebook Marketplace, you dumb tit? No, I didn't want to get used couches. That would have been gross. Clean it. Clean it. No. Clean it. Clean it.

What's your background? What do you mean? What's your ethnicity? I am Navajo and his. Clean it! Nope. Pull up here, affirm. Oh, I don't have the app anymore.

What is your minimum owed? That. That's not your minimum. That's your balance. You fuck. Oh, I. I have no idea. I haven't logged into that in over a year.

Oh, it's probably one main brightway. Who's this? That's both of us, but I used it. So I want to do, you know, I want to kind of clarify how this at least looks so far. You f***ed it all. You spent for your wishes, your desires, and then you try to frame this entire conversation as we're, because he won't sit down to look at my mess. No, it's not that we're... Because you won't look at my mess.

Yes. That is how you try to frame this conversation. And yes, you should be looking. But she framed this as we're all f- because you won't sit down and look at it. What do you need to sit down and look at? Her mess. I mean, shit. It's spending. We have income coming in.

Yeah. How do you think you get debt? Yep. Yeah. You owe on here $585 of credit limit of 550. She's over. Once again, who would have thought? Three years to pay off minimumity payments only without purchases.

Oh, there's purchases. minimum payment normally I don't, I'm gonna say like 30 bucks I'm fucking because she's behind who would have thought like every single time. Late fee, late fee, late fee, late fee, late two years this year so far, fuck you when he said it's the only card.

Dude, what a tit. Verizon again, how do you have Verizon on the last card and then Verizon on this card? Verizon was like $150 on the last card. Verizon's $248 on this card. What the fuck going on? The phone bill. On two cards?

Yeah, I mean, I'm just paying with different cards. What do you think? What the fuck? I mean, because me not paying attention when I would ask her about it, you know, how things were going, she would tell me how things were getting paid. And I just took her at face value. You're in a major city. T-Mobile's probably good there. Pay off your phones.

Switch to helium mobile. It's $15 a line. You say who? Helium mobile. There's a shit ton of third-party carriers. They used the same towers. This one uses T-Mobile's towers. But you have to pay off your phone first, you f...

Interest accruing like crazy. Crazy. Okay, what's Fortiva? I've never even heard of that. Who has Fortiva? It's both of us. It's what we use to finance our alarm system. What? Why? Why? What do you have that? A couple of people have broken into our cars and stuff. My car was stolen by my dad. And then, um...

Is that going to prevent your car being stolen? No, but I mean... No, they've stolen stuff from around our house and stuff like that, so... Get out of the f***to. Right. Well, you also live in a city where the DA is. doesn't actually prosecute criminals. They don't care.

Well, yeah, they catch them release. It actually kind of sucks in it, really. It shouldn't be a blue or red issue. It should be, hey, believe it or not, if someone commits crime, maybe don't let them right back out on the street every single time because every single person that commits crime basically has already been arrested

for crime three times. Yeah, they really don't care out there. It's absolutely insane. The whole recidivism thing all over again. That should not be a political issue, you guys. It really shouldn't. It really shouldn't.

Pay off debt shouldn't be political. Criminals not just being everywhere. should not be political. I don't know what the fuck is going on these days. It's kind of crazy. We have one of those in Austin, by the way, as well. Garcia, he's a dumb f-f. It's a dumb f f-I.

I don't care if he's a Republican or Democrat. He let someone get shot by the library who's been arrested like eight times. What? Release, release, release. And he went to the library and killed someone the other day. Oh, shit. Yeah.

What the hell? I don't know. It's been proven time and time again that it does not decrease crime. That's terrible. Yeah, they just do it. Jesus. What is happening? $30 minimum fee payment.

Yeah. It's fucking stupid. Just like this. Of which you were over the limit of $719.89.84. With interest is accruing, $20. Fees occurring. Who would have thought? Two years to pay off.

What's that? What do you think about me seeing this all? I really don't care. I've tried to show it to you before. About how everything, why about how's late and stuff? Because I truly don't think you're going to do anything different. I think she cares what people think

She gets railed by her co-worker She gets railed by people that's related to people she knows She gets railed by everyone She doesn't care what people think She's the rail queen Choochoo Those trains get ran I mean I

I don't know What you want to say? Tell me a train hasn't been run on you Oh no Really? Yeah no Is that true? I can't say she says no So No that's a scary situation

situation right there. Scary? Yeah, I'm good. I hope you're getting tested frequently every three months. Again, we love being slots. And I get tested for being a slut. You got to get tested.

Oh, yes. Sports Academy, stupid. Winning got some bullshit? Stupid. Sunnyside Beach? Stupid. You are broken. Because I know that's you, not him, right?

To certain extent. I mean, I may swipe the car, but I'm not the only one making my purchases. No, like a lot of times when we do make purchases. Oh, also Dairy Queen McDonald's. Yep. Both of us.

Car wash. Metro Bay T-Mobile? That was- Two Verizon and Metro by T-Mobile. No, I paid a phone bill for my mom. Dude, you can't afford the fuck. And a car wash again. What the fuck the wrong with you guys?

You live in Seattle! It doesn't snow! You're not in the desert! Cars is a shitty. Yeah, but not in a dangerous way for the car. Dump a bucket of water out of you. Dumb! No.

Yes. No. Fuck you. Die. It comes with vacuums. I'm good. You don't have money. I mean, we do have left.

We have about 5,000 left over every month. Oh, shut the. Fuck up. You're over the limit and laid on everything. Die. Yeah, we just don't pay for it. Die. From diabetes.

I'm not diabetes. It's crazy. You have diabetes? No. You have diabetes? No. No underlying health issues. Not a.

World finance. So what's going on? We had gotten a loan. We? Yes. So, yes. He had gotten a loan. He!

This is yours. Yeah. Finally, the first time is just you. I have some that are just me, but then... So this person alone is just you? Yeah. Okay, what's it for? We were, I think we needed it at the time to pay for...

To pay for one. He got that for a... For me. Huh? A camera lens? For you. So it still comes back to you. Oh.

my, what is she doing? What, O-F? No, my photography. Yeah. Your photography? Yep. Yeah? I'll vouch for that one.

What? She's not making shit from her photography? Well, that was the goal. And then I started working this new job. So. $193 a month and 86 cents, which was due seven days ago at the time of the state,

better than you didn't do you fucking what the fuck you make money you make 7,847 times a month you can't pay $193 what is wrong with you balance $2,714 who knows what the interest rate is

probably not good wait you were begging for her to start an O-F years ago it was a joke but it's still begging me it's more of like I would do it

I think it's funny but I didn't think like it's not serious uh-huh and would people pay oh I'm sure Why are you sure? I mean, obviously, she's beautiful. So, I mean, obviously, people would pay, but I mean, like...

He said that before because people would send me money on cash out. What the fuck? Why? How are you doing this? How are you doing these things? How are you slaying all this dick? Getting all this money. They just see my Snapchat. They see my social media.

They like my social media. They like me. They send me money. Social media. What's in your social media? My Snapchat and my... Your ass is on your social media. My ass is everywhere.

You're posting your f***ing ass. I mean, my outfits, it's not my ass. It's not my fault. My ass is there. Like Halloween. Like Halloween. Like you have you shaking your ass. Wishing you could be there live for the big game,

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Die. Just die. Die. What the fuck are we doing, guys? This is so stupid. So f*** stupid. Minutty with the payment, $1.49.19. This was eight days past due at the time you sending these statements in. Also, you're lying this loan was for a camera. Was that one for the camera?

I'm being told. One of them was for a camera. One of them was for our trip. I know we used it to go to New Mexico. I've got a new fucking Mexico, dude. Quarist states in the country. Mexico's bad. It's the West Virginia of the Southwest.

Okay. Credito, Real USA. That's a bit racist. Yeah. They changed it now. It's BinB. Finn B. Finn B.

Finn B. F-N-B-E. Fin B. It's weird. Finbiner? Probably. Used to be. But no, it changed. It's called Finby now.

You know, the best coffee chain up in Michigan used to be a place called Banners. It was f***ing. It was great. Then everyone cried and jerked off, even though there's no Mexicans in Michigan. Damn.

Middle Easterners now. There are everywhere. But I didn't see a Mexican until I moved to Texas. Jesus, wow. But they changed it to see, I can't remember the name of it. because they had to change the name from Beaners.

Damn. It's a shame. That's a shame. Would you be offended if you saw a coffee place called Beaners? Because it's obviously beans. Yeah. No, I wouldn't be offended. Yeah, what the fuck is wrong with this world?

Everyone's such a pussy. Everybody gets so offended. I know. Over everything. Wait, Toyota Camry. Oh, no, the minimum of the payment is $635. Well, no, no, no. So that was...

Yeah, yeah, yeah, yeah. No, that was... Yeah, yeah, yeah. ...the Toyota was the car got stolen, got paid off. Oh, I'm crossing this out. So this is dead. There's still a $3,000 balance on it. What's the new minimum?

Is there a minimum? $150 a month. Okay. $150,000. $3,000. Mm-hmm. Car stolen. More Fortiva.

It was $1,907. $61 on a $4Tva credit card, which is maxed out. Oh, that one's actually retail. The other one was probably a credit card. That one's retail. That one is the camera system. And it's yours?

The, that one? Also, the past one was yours. The past one was mine. What are we doing? So there's two 14thas. One's a retail account. One's a credit card. One's a $1,907.

$0.607. $0.61. Five years to pay off, by the way. Minimuthy payments only without doing any purchases. Oh, yeah. Interest fees. Walshit. Too late fees this year.

Fuck off. Fuck off. Fuck off. Fuck off. Fuck off. Fuck off. 10% interest rate you don't even pay a fuck off. Fuck off.

I fuck off. What? Key of Carnival. Do we still have that or was it stolen? We still have it. It is. What are you doing? What are you possibly doing, guys?

$29,442. And 49 cents? Mm-hmm. What the fuck? What the fuck? Yeah, the Kia Carnival, we needed a bigger vehicle. What do you think it's worth? Uh, shit, I don't know.

Good news. It's about break-even. You're selling this tomorrow and you're getting an attention. $10,000 car because you can get a $10,000 car that has the space you need. Get a van, a mini van. I mean, shit, I'm open to it, but you can't return these and that's going to be a repo. You sell. Are you dumb?

I just said sell it. It is worth what you owe. Sell it. Sell it. Sell it. What is wrong with you? Oh, shit. Okay.

Oh. Good. I'm crossing it now and replacing it with a $10,000 thing. Because you are selling this tomorrow and it is not a part. not a option. With a $500

minimum payment. With a $500 minimum monthly payment? Yes! I'm just making sure.

I don't know if we can get rid of the carnival. Yeah, you sell it. Are you stupid? You stupid? Are you selling the carnival?

We're going to have to. Good. I was about to end it if you said no. Good. So I can continue. It's not an option. You guys get a for a

life. Jesus Christ. Global lending services. Who owes this? Who is this? That is both of us. That is for... Oh, yeah, IKEA, Forte. That's my car. You owe 24,299.33 cents. What do you think it is worth a big guy? Definitely not that.

Definitely not that. It is definitely not that. What do you think it is worth? How much did you say? I'm sorry. You owe 24,299 dollars and 33 cents. It's worth maybe 15,000 to 16,000, if that. Well, 17. Oh, okay. 600 eight a month?

Hmm. Cash app 831 is in a balance But it goes out every month Wet, oh, another car wash Three in a month die Mattress, Denver mattress? That was for her brother We purchased some sheets for my brother

How much for the sheets? $300? Go ahead and get some on Walmart Bullshit, bullshit What do you go, when you go into Walmart and get something for $10, what are you getting? What are you getting? For something for $10?

usually like a shirt or something maybe. Oh, why? Snags, I don't know. Snacks, what snack? Fuck you snack. I don't know for the kids. Them. Them buying a bulk, get Costco.

I don't know why you're doing that. You say fink kids all the time. I do say some kids, some kids, but I still give those kids everything. Atm would draw operator fee, getting some bullshit, getting some bullshit. What did you go into the gas station?

Get $8.84 cents. Oh, shit. I don't know. Bullshit, bullshit, bullshit. Talk about a jug of the bucks. Bullshit. Fuck you. Bullshit.

F F F F F F F F FQ. KFC. That's racist. Taco Bell, send it out money. Amazon Cafe Ali, smoky carboyled. Sending money, sending money, sending money. Vending machine. What are you getting into the vending machine?

For $3,0.0.0. 0.000. Oh, that's my blue Gatorade. Buy it a blue gatorade. You can buy a bulk of Gatorade for $6. Yeah, but I don't always want it. So sometimes it's just there. Bring it.

It's convenient. Bring it. Send it. Taco Bell. Sending, sending, sending vending machine. Oh! Vennet machine. in the box, Sunday, Sunday, Sunday, Sunday, Vettibet machine, Vettibetian, you're getting blue

Gatorade every 10 seconds of your life. Yeah. Is this zero-calorie Gatorade? Huh? Does the zero-calorie Gatorade? I don't know. It's whatever they have in there. Die! You don't like the sugar-free because it don't taste right.

O-Eat. KFC! Yeah, Elite is coffee. That's kind of an every morning thing. Every morning? Almost. Make your coffee at home, you dumb. And make your energy drinks at home. Didn't you tell me to make my coffee at home?

Yes. And make your energy drinks at home as well. 25 cents a serving. I guarantee you it tastes better than Gatorade because you can do the hydration versions as well instead of the energy. So take your free samples. Get your free samples. Link in the description below. Typing code.

Caleb. And then get your, when you order the flavors, you want the nice big packs. 25 cents of serving with 10% off with my code. Link of the description. No more of this dumb shit. Make your coffee at home. Make your energy drink your home. The hydration version better than Gatorade.

I promise. And it tastes. It seriously is better than Gatorade. No. really taste. Is that this? Or was that the other one that we tried? This is the canned version. There are the powder version. Yeah, the canned was what we drank. That was good. Goof juice. The strawberry. Yeah, it's very

good. Yeah, that was really good. Bullshit, vending machine. Bullshit. Sending, sending subway. New Corp. Payless, smoke, mart. Die. Market. Bullshit. Bullshit. Fucking. Get a rate. Talk about Olive Garden. Ah! $5. of savings.

Bullshit, bullshit, bullshit, bullshit. Bullshit, bullshit. Don't want anything against a bullshit across the board from Walmart bullshit $200 in here Let's fucking just check on protection fee Overdraft die die $400 of overdraft fees is here so far

Oh what are we doing? We're ruined we're ruined we're ruined We're ruined this is one of the worst I have seen In a very very very very very You write this down fuck you I don't want to look at your budget You don't know what the fuck you're doing $400 an overdraft fee I don't want a single

CSA I don't want to see a single CSA I don't want to see you see it I want to see a single thing that you do. I just have Chad GPC do it for me. You don't know what to feed Chad GPD. You don't know anything. You can't give it accurate information.

I mean, shit. Oh my. Are you kidding me? Are there three more loans? Yes. What is school loans? Concordia? School loans and credit one?

Credit one is your silver card. I'm about a screen. Guys. Why? Why are you? doing life the way you're doing it. You've destroyed your kid's future. You're ruined. You're destroyed.

This is the... For a house that makes literally 12,800 hours a month. What are you on at your lease? What are we wet? When are you out of your apartment? Next... June, July? June July.

Die! What are both the rents combined? 2340 and 1350. I said combined. Mind, you. Oh, okay. So.

20, 2340 plus what? 1350. 3,690. Both utilities combined. How much? Utilities combined, we're looking about 400 a month. And including with Internet? That is with Internet.

Bone bills. How much? $200 a month. It was more than that, but whatever. Debt payments. Let's see. Let's find out. What are your student loans?

What's the Concordia? What about Credit 1? So student loans, 10,000. Yeah, what's the monthly payment? They haven't given me one yet because I'm still enrolled in school. Oh, that's right. Okay, what about Concordia? Concordia, the monthly payment is like 30 bucks.

Okay, and credit one? It's about 30. No, that one is a $2,000 limit, so that one is about $120, 200 sometimes on his. You're trading the car and all that shit, and you get the new car, $10,000, blah, blah, blah. Your minimum fee payments are still $1,8,11. 57 cents. Could be a big part of a nice chunky mortgage. Car insurance is how much?

720. Oh, that's insane. Gas, how much? Boom, room, drive, drive. Probably about $600 a month. Oh, yeah, per car, yeah. For both of us. Yeah, yeah, you're right.

Should be about $1,000 for groceries. Should be okay. Yeah, that's exactly what's at. It'll have to go up the older they get. Minimum monthly payment, anything you and the kids need to survive. This is tampons. This is makeup. This is school activities.

whatever. It fluctuates a month a month, but we're going to average it out at about 300. You can save one month, spend six the next. Medical health care of their cop. What? It's definitely more than 300 a month. Fuck you. No, it's not. Not anymore. The kids' haircuts alone are like $200. What is wrong with you? A month.

Go to great clips of every few months. Are you fucking stupid? No, I won't change their barber. Okay, then die. Then I don't give a fuck. If you're not willing to change a barber, then go die on the Walmart floor. If you're not going to change a haircut place. Are you stupid? I'm not going to deal with the... I'm not dealing with the shit

if you're not changing to Barber. What the fuck is wrong with you? You're a mother. Change it! I get that. 300 you're 10... I don't give a... Shut the fuck.

I don't give a shit. I don't give a shit. I don't give a shit. $50 for subscriptions. Do you have co-pays? No. On a monthly basis for medical? No.

Jims. How much outside of the one that we're going to be canceling? $40. You're talking about that? The one you just got? The one that I have, yeah. Pets, how much?

How many? We each have a dog. Age and health. Yours is brand new and healthy. You? She's about five. She's six. Healthy?

Yes. $100 a month for pet insurance because no way you guys can afford if something happens to that dog and it's not fair to them. Pet food, how much on a monthly basis? Oh, like 50 bucks. They're small dogs.

They don't eat a lot. This is a minimum survival budget, not a we get to choose the barber we prefer budget. This is a survival budget. Asshole. You are a mother. You have kids to take care of. Minimum survival budget is $9,021.57 cents.

Minimum to survive. Now the rent goes down when your lease is done. Obviously, because you're moving back in if we are going to be together. Again, we budgeted like we were together. Mm-hmm. Your total debt position is $91,993. And $42. $91,000.

Fuck. $83. $0.42. We're minusing $10,000 from the student loans. For minusing... What's the car we're getting rid of? The carnival. Think...

You're minusing $34,757.57 because you're getting $10,000 in a car. $46,000. of bad debt. How much? Say that again? 46,000. Mm-hmm. 336,0.42 cents.

I am giving you $500 of BS. If that is for better barbers, it is for better barbers. If it's for going out to eat, it is for going out to eat. If it is seeing family, it is seeing family. BS is $500. K? That's fucking it. Okay.

500, that's... Us. It's not even... That's not what? That's not what. That's not what. What do you want? No, I mean, I'm going to have to deal with it.

Am I not? I'm just, that's a raw trip. Shut the fuck up. Gives you an extra $3,200 on a monthly basis. Did you fucking say a Ross trip? Yeah. Divorcer. With that, $3,200 on a monthly basis,

you're out of bad debt in 14, which is so beyond worth it. You guys are in a privileged position. If you f*** this up, it's on you. And it's all been. on you so far. And you need to sit down and be responsible as well. You need to come together and go to Fripple's therapy tomorrow. What is wrong with you guys?

Then get a fully funded emergency fund to start catching up in retirement because there wasn't a retirement to save our life. Join us in the post show. We're probably going to call some more people like the current boyfriend and bullshit, bullshit, bullshit, bullshit, bullshit. Listen, oddly enough, I already have someone else's hammer financial score here, but that's not you guys. Let's get the hammer financial score.

Spending and a budget. Well, let's see. He actually did not spend more than you made. But every, it wasn't going towards that. It was going to bullshit. So it's still going to be a two out of 10 spending their budget. Debt, well, this is, I mean, come on. You're over the limit.

You're a collect. It's as bad as it gets without collections. One out of 10. Actually, the firm's probably in collections. Zero out of 10. Emergency fund. There was nothing in savings. Zero out of 10.

Retirement. Nothing. Zero out of 10. Ridiculous. Ridiculous. Such an easy fix and you guys won't even do it. What a joke. Buckled down, couples therapy, budget.

14 months, 10, six-month emergency funds. That only takes a few more months to get. you have a lot of money left over. And then your debt minimums and the payments will be zero. I don't want to fucking. And you catch up in retirement with 50, 30, 20. I'm done. Click that join button, guys.

Join Hammer Elite. Three premium shows posted every single day, Monday through Friday, including an extra 20 minutes of this show and every other financial audit, which is called the Financial Audit. Make sure you get your Hammer Financial Score at Caleb Hammer.com. I'll see you in the post show. I'm going to fucking die. A month before our wedding, I get a call and was like,

hey, I need a cab to call me. I said, what do you want? She sends me a picture of, a baby and I'm like, are you serious? And he's like, oh no, I never slept with her. Never slept with your wife. It wasn't his wife. It was another girl. I had started talking to this other lady. Yeah, we had sex a couple

times, but we didn't, you know, we didn't have a kid or anything like that. You don't know that. Camera Elite is the best YouTube membership on the platform and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned

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