Financial Audit - Groomer EXPOSED On Financial Audit

Starting point is 00:00:00 To watch episodes of Financial Audit a week earlier, check us out on YouTube. We met when I was 16 and he was bowling with my dad. Okay, hold on. We met then. Nothing happened because, of course, she was 16 and I was 27. Yeah, I was a kid. Okay, so you were deathly in love with him. Yep.

Starting point is 00:00:17 From the age of 16. Yep. Were you? I definitely had very strong feelings for him. Oh! I own him. She says that. Yeah.

Starting point is 00:00:25 She just controls you. Well, he knew that getting into the marriage. Calm down a little bit. I am very protective over her. Dollar Wise is about to launch its biggest update ever. My team and I have been working day and night, and in the next few weeks, Dollar Wise Web goes live. For the first time, Dollar Wise is coming to your desktop,

Starting point is 00:00:44 giving you a bigger, easier way to see exactly where your money goes. Plus, we're launching the Dollar Wise referral games with real money and huge prizes. You do not want to miss this. Download Dollar Wise using the link below and create your account now. Because when the dollar wise, wise update drops, the games begin. I want you to be on the next episode of financial audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a

Starting point is 00:01:11 life or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to Calebhammer.com slash apply or click that link in the description below. Hi, my name is Bella. I'm 21 years old. Hi, my name is Adam. I'm 33 years old. We come from Cape Colorado. And this is financial audit. Thanks for coming over to Austin. I legitimately, just going to,

Starting point is 00:01:37 I feel horrible for anyone living in Cape Coral. That's like the worst design city in the history of America. It's actually so, but Bella, what do you do for a living? I am a CNA. Sure. Certified nursing assistant. I make $6,000 a month. Is that your net or is that you're gross? Is that what hits your account? That's what hits my account, but I'm 1099.

Starting point is 00:01:57 Which is great. Well, I'm 1099. So it's still great. Save up money. Yeah. For taxes, I mean, at 20. Well, I don't. Of course not.

Starting point is 00:02:06 You're on financial audit. Uh-huh. But listen, 21 making 72,000 hours a year. That's incredible. Let's just be real. Let's be real. That's incredible. Yeah.

Starting point is 00:02:17 If you're f***ing that up, you're fucking up your entire. Oh, that's funny. Well, no. That's funny? That's a joke. Nervous laughter. I'd be nervous, too, if I wasn't saving money for my 72,000 hours a year.

Starting point is 00:02:27 year that I was making at 21. Do you know how much that would be a year? $72,000. No, like for taxes. For taxes, how much? Set aside 30%. Be safe. Okay.

Starting point is 00:02:37 What do you do, Adam? I'm actually going back to school to be an electrician, so right now I'm not working. We love the trades. Trades can be good. Good degrees can be good. There's a lot of good you can do. What do you do now, though? Do you not do anything?

Starting point is 00:02:51 No, I don't work right now. I'm just going back to school. That's it. So 21-year-old taking care of a 33-year-old? I have a baby. He needs to watch the baby. You guys made a kid? Yeah.

Starting point is 00:03:00 Are you guys married? Yes, we are. Oh, how long have you guys been married? We just had a one year anniversary. Well, congratulations. How old's the kiddo? Two months. Wow.

Starting point is 00:03:11 Fresh. Yep. Gotcha. Okay. So usually when someone's like a two-month-old kid, the mom's like, you know, usually more taking care of the kid. Yeah. At this point, she's the one going working.

Starting point is 00:03:26 and most likely overtime for that income. Yeah. Well, you go pursue the school thing. It's not saying that you can't, but maybe you're waiting until the kid, it's like a year old, a little more daycare, agey, a little more. No, no daycare.

Starting point is 00:03:41 No, no, no. We don't want to do day care of the kid. Okay, who's the fucking care of her during the day? I go to work at night, and then he watches her at night because he's in school during the day. When you need to be sleeping? I sleep when she sleeps.

Starting point is 00:03:53 Yeah. And she sleeps during the day? Yeah, she's two months old. She sleeps all day long. She'll sleep like two hours at a time. Okay, what happens when it's six months old? Then he'll be out of school and working. I graduate in just a couple months.

Starting point is 00:04:07 Oh, thank you. Okay. Okay, good. Well, okay, well, actually, no, that doesn't make any sense because you're working nights. Yeah. He'll be working days. So who's taking care of the kid? Well, hopefully I'll be making enough money at that time.

Starting point is 00:04:19 And then I'll also, if not, then I'll begin a second job. What do you mean? At that time, what? I want to be a trad of life. You'll be making enough money for what? To be able to take over it. bills that she wouldn't have to. For me to stay home. And she would be a child wife.

Starting point is 00:04:29 That's the play? Yeah. Yeah. Oh, tradwife. We're trying to treadwife? Yeah. Yep. Kind of trad wife.

Starting point is 00:04:35 Yeah. Okay. Oh, how'd you guys meet? So we met... 33 and 21. That's a bit bigger gap than most people. I don't know why you asked me a question that kept talking. But anyways, we met...

Starting point is 00:04:48 I was adding context to it. We met when I was 16 and he was bowling with my dad. Okay. Hold on. He was in a league with my dad. My dad when I was 16. One second. 11 years, 27.

Starting point is 00:05:02 5 years ago. He... That was 27. 11 plus 16 is 27. Well, no. Well, I thought he was 33. Well, yeah, but I turned 22 this year. So...

Starting point is 00:05:13 Okay, sure. But I was 17 and he was 27, yeah. Yeah. So we met, we met and... At school? Why is my girlfriend here? Which one is she? The one in the green hoodie?

Starting point is 00:05:25 No. No. No, he's 27 years old. I just told you we met a bowling alley. I just told you we met bowling. Okay. But so there was a... Good place to get your prey.

Starting point is 00:05:34 There was a song playing called Keep a Shuffle. I'm sure everybody knows it. And he was up there doing the dance and I saw his cute little butt. And I was like, oh my God, I need to have that. But obviously, I was a kid. So I had to wait until I was older. So then when I was 19, I reached out to him. You're like a teenager, not a kid.

Starting point is 00:05:54 Yeah, go on. 16 is a kid. Not a kid? Kid, kid. Kid is anything before 18. Is it? Yes. Okay, kid just has a little infantilizing to it.

Starting point is 00:06:03 Trust me, I'm not advocating for the 16-year-old thing. No. To be clear. But usually I would call it like a teenager. Whatever. Whatever. Whatever. Words do matter.

Starting point is 00:06:11 We met then. I guess you didn't say child, so kid. Yeah, okay, whatever. I'll do with kid. Yeah, we met then. Nothing happened because, of course, she was 16 and I was 27. Yeah, I knew it wasn't worth pursuing it at that point because I knew I didn't have a shot. It didn't bowl your ball into her.

Starting point is 00:06:27 No. I wanted him to do. Oh my God, my insides are on for me. Yeah, we waited until marriage. That's why we have a two-month-old on our one-year anniversary. You know people can have sex without making kids. Well, we don't, yeah.

Starting point is 00:06:44 Does she? Because she seems to imply that that clearly meant you guys saved for marriage. Well, no. She's just saying like that we did wait until marriage and that's why. Yeah. That's why we got to. got married on our one-year anniversary.

Starting point is 00:06:57 She guys met it when she was 16. Yeah, we got together when I was 19, waited until marriage. What were you doing for those three years? What are you doing? Me? Me or him? Both of you. Well, I was actually engaged.

Starting point is 00:07:12 You know. We didn't. We actually lost contact and didn't talk at all. I was engaged to someone else, and we bought a house together. When were you engaged? When I was 18? Okay. And then got unengaged in a year?

Starting point is 00:07:25 we got unengaged in like two months. Yeah. She's a keeper. Okay. And we actually... And you're like, I remember a predator looking at me when I was 16. Let me go get him. Well, I never stopped loving him.

Starting point is 00:07:42 She's the one. How did you know you loved him? Well, because I saw him every single week at the bowling alley. Okay, so don't say you didn't have contact for years. Well, no. How did you love him seeing him? I loved him because I saw him like, a year. So every single week I would see him until I was like 17 years old or whatever.

Starting point is 00:07:59 And then I was offered a job to go move to New Jersey when I was 18. And you guys hung out and talked and had a lot of fun that year? Well, no. I just saw him at the bowling alley. And how were you in love with him? Because I talked to him at the bowling alley. That's what I would just ask and you said no. Oh, I think you meant outside of that. No?

Starting point is 00:08:16 Okay. At the bowling alley, yeah, we were talking. I actually taught her on how to flick bottle caps. Yeah. Have you ever watched like Cobra Guy? I don't know how to flick a lot of things, didn't you? Nope, that's all. Do you know how, do you know,

Starting point is 00:08:26 do you know, Cobra Kai or like karate kid? Yes. So you know how, like, Johnny Lawrence flicks the bottle caps? No. So you don't know it. I know the show.

Starting point is 00:08:34 Doesn't mean I've watched it. So then why would you say you know it if you didn't watch it? Because I know what it is. What do you mean? Okay. I know what China is. I've never been. Why not?

Starting point is 00:08:46 Good one. Okay, so you were deathly in love with him. Yep. From the age of 16. Yep. Were you? I definitely had a very strong feelings for him. You are a fast mover.

Starting point is 00:08:56 Please have a seat right there. But no, we never did anything. Okay, that's what I was trying to get. Thank you. Very good. So then I was engaged. Okay, so it was more of the wait for legality thing. The classic groom maneuver.

Starting point is 00:09:09 I think I groomed him if anything. Yeah, if anything. Honestly, maybe. But the thing is, it's like obviously with ages and stuff, you know how it is and how it looks. And let's be real. And okay. So, yeah, you left. the man for the dream man of which was predacizing you? No, no, he left me. Actually, the guy left her.

Starting point is 00:09:30 No, he left me. Because you were more interested in people. Probably. I mean, I literally try to turn him into Adam. So, predator? No, just try to turn him into like that kind of a person. So like, we met him, we met him, or I met him in New Jersey, and we moved back to Florida and we bought a house together. And so I made him by a truck. And two months of engagement? Well, no. This is when we were dating still. When we were dating, we moved here, or we moved to Florida. When did you start dating this guy? This doesn't make any sense. No, how long are you with him? A little under a year. A little under a year. You moved and bought a house together in under a year? Yeah.

Starting point is 00:10:13 Go on. Yeah, pretty much. I've actually told her that with that guy. How old was he? He was 24, and I was 18. allegedly. Okay. I was. I couldn't have worked at, you know, a shop under 18. I worked at 16. That's a legal thing. In a mechanic shop?

Starting point is 00:10:31 In a dealership? In the shop. Did you say that specifically? I don't know. Well, you don't pay attention. That's not my fault. Fair enough. So I met him there. And then we moved back to Florida. And we were living with my parents for a little while. And he said, I f***ed it here. Like, we need to leave. We need to get our own place.

Starting point is 00:10:48 And I told him that I didn't want to rent and I wanted to own. want to give people money and not have equity. Yeah. Okay. Well, I guess you got a free house. Congratulations. You just waited. 16, 17.

Starting point is 00:11:02 Boom, I can go. Okay. That's all 19. And after she got. Yeah. And then he took me to court after he left because he wanted me to sell the house, even though I was living in it. Right.

Starting point is 00:11:14 And then just look down and I see it's six to eight months. Seven months. Okay. Seven months behind. Yes. You make money. Yes. What the fuck is wrong with you, creature?

Starting point is 00:11:26 I didn't make this money before. How long have you been making money? But he was making money, right? It was a little while, about six months. He's been in school for like six months. Yeah, it's been about six months. I've been in school now. So the moment he went into school, we just stopped paying our mortgage?

Starting point is 00:11:42 Kind of. Clearly, we couldn't go to school yet. Well, we had people coming in to rent out the other two rooms. And how that go? Because you weren't paying the rent. Because they weren't, no, they weren't paying me rent. So I couldn't afford the mortgage anymore. I wouldn't go to school unless we know we can at least pay our bills at a minimum

Starting point is 00:11:58 or have enough saved up to take care of the minimum fee payments, man. That's the thing is I've offered to actually sit there and stop going to school. But you already have the loans. I'm talking about going in, though, going in. Okay, okay, okay. But that's why we got the people to rent. How long have you been in this job? Technically three years, but I just recently went to full time.

Starting point is 00:12:15 What's just recently? I went to full time. How long has it been a couple months? It's been about three. Why was still months behind? Because I went into a forbearance with the mortgage because I didn't want it to foreclose. They gave me all of these options of what I could do, like after the forbearance is done on how to pay back that debt in their arrears. And they gave me a million options.

Starting point is 00:12:37 And I said, that's great. You know, like maybe we can push it back to the end of the loan or we can, I could pay it back slowly or whatever. When the forbearance was done, they said, oh, well, you need your ex-fiance to sign any of those options. because his name's on the mortgage. And? And he's in New Jersey. Nobody can get a hold of him. Nobody can get a hold of him.

Starting point is 00:12:59 Nobody can. We've always been saying and trying. Even the bank has tried everything and nobody can get in contact with him. Well, yeah, I wouldn't rely everything on someone we can't get in contact for. Right. So maybe just like you've been three months pay the bills. They didn't tell me that when I got the forbearance that he needed to sign any of those options. Okay, that was a while ago though.

Starting point is 00:13:16 And you've been making this good money for three months. So why haven't you started at least paying? Because we have other bills to pay too Because he's not working Yeah but keeping a roof over your head In an equity position I have rent to pay We don't live in that house anymore

Starting point is 00:13:29 What the fuck? Why? Because we have people renting in now Oh I thought you were renting rooms besides the rooms you guys stayed in They were Okay if people are renting are they paying rent They are now Yeah

Starting point is 00:13:38 Then why aren't you taking that rent And at least putting some towards the mortgage Because we already sat there and put in for the forbearance So it's rise of right now We don't have to pay until the end of November November 31st Oh, my goodness. It's dramatically under value of what you purchased it for. It is.

Starting point is 00:13:54 Yes. Shit, you're... Yeah, my mom thinks that we should let it foreclosed. Okay, guys, so what's going on here today? What are we talking about? Well, I didn't even want to come on the show. Oh, well, happy to have you. The one that sat here and pretty much made it where if I didn't come, that we pretty much ended in a divorce. She's been obsessed with you since 16. You think she'll ever divorce you?

Starting point is 00:14:14 She really, really wanted to come on here, and she was sitting there. pretty much tell me why she really would come on? Yeah, and why is she pushing you to do? What's going on? So I thought, why do you have to be here? I thought, yeah, because you can't pay your bills even though you make money

Starting point is 00:14:29 and people are paying rent. Well, she's not. Uh-huh. Okay. But she sat there in, uh, she dies her hair like that in 2006. There's the first time I've dyed it in like five years.

Starting point is 00:14:42 Which makes you, because you look like someone in high school in 2011. So I look hot. Okay, I know you guys are obsessed. with being attracted to people in high school, but no, that does not mean hot. You didn't say no. No, you're not. No, you're five.

Starting point is 00:14:56 I'm like a two. Yes. It's okay. And I'm like, I know I'm ugly. It's fine. So are you, so it's okay. At least he's tall, not like you. I'm five, nine.

Starting point is 00:15:05 I'm the average American male, thank you. I don't think he really are. So, okay. It doesn't matter. She sat there and just was pretty much making it to where it seemed like we were going to get divorced if or she was just going to be pissed at me for the rest of our marriage just because she really wanted to be able to come out. here and go into the show.

Starting point is 00:15:21 Why do you need to drag him on? What's going on? We have a decent amount of savings, but we have this lump sum of money that we have to pay by November 31st for the mortgage, and I have a bunch of other things that you're going to get into and I just want to figure out like...

Starting point is 00:15:36 What's a lump sum? It's like $28,000? $28,000. Yeah. Okay, well, the drag him here specifically. To figure out like how to do it. Because he's not making any money. Well, he will when he's out of school. By the time, this do though, barely. I mean, he would get, what, a half a week of income? Maybe? Right. So, like, again, he's saying, like, you dragged him here. You forced him.

Starting point is 00:15:57 Because it's just our stuff. It's still our stuff. Like, he has to be involved in some of the things. How's the dynamic in the household? Goes up and down. I'll definitely say, especially with everything. But as right now, she kind of, like, controls a lot of stuff that deals with it, especially because I'm in school. She tries to kind of controls everything. Why are you such a little Scent bitch? Sometimes to me it's easier to sit there and just let her say what she wants to say

Starting point is 00:16:26 rather than Getting into an argument What about the actions? Her controlling controlling the money and all that good stuff But I am letting her control of money Because I also sit again

Starting point is 00:16:34 Like I said I don't sit there and work So all the money is hers So as long as I sit there Have money to be able to go To school for gas Then it's up to her really What she doesn't do So you don't care?

Starting point is 00:16:47 It's not just that. It's not. just that. So we have a joint account and we never had money when we were living in the house, when we had people renting our rooms. We just never, ever, ever had money in the accounts. And I was like, what the fuck is going on? So I would look at it and it's gas station, gas station, buying shit on my phone, buying shit on my phone for my game. So I told him that that shit had needed to stop. And guess what? Didn't stop. So I took his debit card away. I said you're done. I said you're not spending any money at all.

Starting point is 00:17:17 of this. Which, by the way, yes, you're doing bad behavior, but she fully just takes your debit card away. And you're like, okay. No, it wasn't as straight acceptance. We got into a big argument about it. Yeah. And I was like, I could sit there, just take the call off my phone. But we have savings now.

Starting point is 00:17:31 And I sat there, so we could sit there. You have savings. And why the fuck if we're not paying our mortgage? Because we have this lump sum to pay. I got that. So it's saving for that lump sum is the whole reason. That's going to take a lot. I meant before, but yeah. But I was, because I worked, I used to work outside for a living.

Starting point is 00:17:46 Out in the heat. everything like that. I mean, Florida can get to 100, 10, 115 degrees with humidity. So does here, which I know. Is that what you do? Like the whole south. When I worked outside, we would never really get drinks from the store for me to really take with me.

Starting point is 00:18:02 Why? I mean, that's easy. Go to the store. Or that's where I was getting at. Oh, well, that's different. Not always. There was a long time where we weren't getting me stuff. Not until you noticed I was spending a lot of money at the gas station on drinks.

Starting point is 00:18:17 then you sat there, started buying me drinks, and then it was new, and I just went thinking about it. You have no ability to advocate for yourself? Well, she would always do the grocery shopping, because I was working 15, 16 hours a day back then, so I didn't really go to the... Well, whenever I ask him what he wants from their grocery store, he tells me he wants buffalo sauce.

Starting point is 00:18:34 Exactly, like, what the fuck are we doing? That's it. And sweet tea. That's it. My girl's the one who goes to the grocery store. I haven't met in a grocery store and forever now. She takes care of that shit. But I still get water bottles,

Starting point is 00:18:45 And I keep water bottles in my trunk just in case like, you know, whatever. That's what I started doing. And I started getting a taste of water. Yeah. But he's still paid for it anyway. Because I didn't like to just drink in water. Yeah, he doesn't want to do you. I don't give a shit what you want, though, do I?

Starting point is 00:19:01 Yeah. Like, I'm trying to keep you alive. Yeah, he complains about being dehydrated. Well, he is out there in the Florida sun and he, in humanity and all this stuff. He does need electrolytes for what it's worth. So I mean, Gatorade sounds the worst. I would get a whole bunch of gatorade in. Yeah.

Starting point is 00:19:15 But you wouldn't get a whole bunch. You would get like three every single day. And then you get hungry and not bring the lunches that I made you and then go and buy pizza or this or that at the gas station. Do you feel like a child in this relationship with the way she treats you? Sometimes, yeah. Definitely there are times where she makes me feel like I'm just a little kid and I'm like we actually got an argument about the other day.

Starting point is 00:19:35 You're not a reverse card. Yeah. Well, you don't act like it. Like, I don't know you. Okay, you didn't do anything and all that good stuff. But you guys, you've been into each other for all. long time now. Yeah. Okay, 16 and all that good stuff. Got it. Yeah. Why the fuck are you putting up with someone owning you? That's how marriage works. I have a receipt. Owning? Yeah, I own him. I own him.

Starting point is 00:19:59 I own you and I also own her. She says that. Yeah. Okay, except you don't get any ownership. She just controls you. Yeah. And you don't push back? I do sometimes, but then... What does it look like when you push back. Depends. Sometimes it's, she just gets upset with me and then sometimes I get right back at her

Starting point is 00:20:19 and I'm just, I'll just shut down because she'll sit there and just make me feel like a piece of shit or something. So I know, I just like, all right, whatever.

Starting point is 00:20:27 I was like, okay, just to try to stop it and that's it. Which I don't understand because I try and have conversations with him about money, about household things,

Starting point is 00:20:35 about whatever. And he just throws his hands up and goes, well, I'm just a shit husband. I'm just a piece of shit. I mean, I've talked to you for 23 minutes.

Starting point is 00:20:41 I hate speaking with you as well. So, I mean, I'm surprised you haven't killed yourself yet. Please don't. Don't give him my ideas. I don't have life insurance on you yet, so don't do that. Okay. Ooh, okay. Back to you guys.

Starting point is 00:20:53 Okay. How often are you guys fighting about this, especially about the finances and all this stuff? Well, it's more so I stress about it, like, every day. And then every once in a while, he'll just get pissed off. He's like, all you talk about is money. All you care about his money. And I'm like, no, it's not that I only care about money,

Starting point is 00:21:10 is that we owe $30,000 just to the mortgage that we're behind on. Like, that's kind of a big factor in our lives. Like, we have a child, we want to have more. Like, how can we be behind on shit? You want to have more with someone who won't treat you like an adult? That's crazy. What is wrong with you?

Starting point is 00:21:28 There's a lot. Great. But no, it's one of those. I love her no matter what. And there's not always that she treats me as a child. You're desperate? No. What's the fuck?

Starting point is 00:21:39 Then why do you want? love someone that treats you like a child. She doesn't always treat me like a child. Yes, there are times the worst she does. Very frequently it sounds like that. It's just about money though. Oh, like one of the most important things on our entire life, keeping roof overhead and all that.

Starting point is 00:21:52 Yeah, and that's why I took his shit away. So it's just about money, that's all. That's why he took his shit away. Yeah, that's insane. He's not a toddler that you're grounded from Xbox. Kind of. Yeah, exactly. That's what I'm trying to say.

Starting point is 00:22:04 Yeah. Well, he needs to stop spending all of our money on gas and pizza. That'll never change his actual. behavioral behavior though. You guys have to build budgets together. You need to discuss things. You need to get on the same page. And if you guys aren't on the same page, well, that's one of the leading causes for divorce in this country. But why is it so much better when I have his balls in my purse? Okay.

Starting point is 00:22:22 It's so much easier when I just deal with everything and he goes to work with him home. Is it actually easier though? Because he'll, again, never, that means you need to have your, his balls in your purse for the rest of your life. Okay. Instead of him actually... That's the plan. What? Instead of him growing up and being able to produce and contribute to the house? No, that's the plan. The plan is just for me to sit there, be working all the time.

Starting point is 00:22:43 And I do everything. I take care of the kids, the house, the bills, everything. He just goes to work, gives me his checks, and then comes home to, you know, happy kids. Is that how you envision is? Is that what you would like to see? My thing is for her to sit at home, take care of the kids and stuff, and maybe I'll work in, yeah. I'd like to be able to sit there. Taking control of everything, the bills, you just hand your money?

Starting point is 00:23:02 Yeah. To me, it is easier for her to take care of the bills because especially when I do stop working. With her controlling your debit card and everything. Well, no, that I hope will change eventually. That's crazy. I hope will change. When he starts working, he'll get like an allowance amount and then he can send whatever he wants on that. I'm going to be real with you.

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Starting point is 00:25:23 Download it now, start the free trial, DollarWise.com. Link in the description below. Were you guys not raised properly? What the fuck is this? Did you guys parents, were they, like, abusive or something? Like, what the fuck is this? What about it? Oh, there we go.

Starting point is 00:25:36 I think we've learned something right there. Yeah, no shit. That you guys are okay with this. No, shit. What the fuck is right with you. It's like a trad wife. No, a trad wife is usually more submissive. Tredwife doesn't destroy and control her husband and destroy his ego and beat him down to nothing.

Starting point is 00:25:54 I'm from New York too. So I have like that asshole blood in my body. She's a great, New Yorker. Good. You're okay with that. I'm kind of the backwards country. Backwood's countries are pathetic No, no. He does

Starting point is 00:26:08 like all the stuff with his hands. That's good. I don't understand her taking your debit card though. That one we still usually fight about, so. Yes, that's clearly the topic I'm talking about. I'm not going to let you buy some bullshit with my money when we're behind on shit. That's why I say who don't say much about it.

Starting point is 00:26:23 But when I do start working, that's where things can be different. That's why when you start working, you'll get your allowance and then you can buy whatever bullshit you want with it. How do you feel about her relationship with money and how she's controlling it? The only thing I like is that I do know that usually she sits there and is pretty good. Like, hey, we need to save this. She's pretty good at making it where we get to say.

Starting point is 00:26:43 She's the opposite of good. But either way, how do you feel about the dynamic? You feel like she cares about money more than your relationship? Sometimes, yeah. Sometimes I feel like she definitely lets it get more in between us than anything. Is it ruining the love, ruining the magic? Sometimes, yeah, because there'd be times where she gets extremely stressed about it. And what kind of seems like it takes it out on me rather than on just like us being able to sit and talk about it.

Starting point is 00:27:10 I don't know. I try and talk to you and you just throw your hands up. No, you sit there and say about how things are my fault. Like what? What is you saying is your fault? You would sit there be like, oh, well, if you weren't sitting here buying drinks at the gas station, you might have an extra 10 bucks to put in to something or... It's not $10. It was $10.

Starting point is 00:27:30 I wouldn't care. I was meeting a day. You have an extra $10 a day. to be able to sit there and give me, put into something. That's hundreds of dollars a month. You know that, right? Yeah, and it's also my health and safety.

Starting point is 00:27:43 It's not your health and safety. For being a diabetic outside working. I can buy cases of water and cases of shit at Costco. Water doesn't do anything for a diabetic that's sweating his ass off every single day. I can buy cases of Gatorade at Costco. And you don't. That'll be a lot. Because you don't take it with you anyway.

Starting point is 00:28:02 I used, I've got in his car. Yeah, I could just put it in the truck and I would take it. It's my responsibility to put shit in his car. No, but if this is your big bitch and moan, then you can help. I mean, aren't you controlling his every move? Yeah. I mean, this is right in that subscription.

Starting point is 00:28:17 I guess I could, but I feel like I do everything else. Like, I took care of the house. And this is where you draw the line opening the trunk? He doesn't have a trunk. He's a truck. There's no trunk. In the back of the truck. If it's not in front of his face, he won't eat it or drink it.

Starting point is 00:28:33 So if I put it in the back, he won't see it. He won't know it's there or he'll forget that it's there and then go to the gas station anyway. And the shit will sit back there until it gets back. You hear how this is making him feel about your relationship, though, how this is putting him down, how he feels like the magic and love is going away because of how you treat him, because of how you break him, because of how insane and crazy you are. Well, he knew that getting into the marriage. He knew that I was a crazy bitch. I mean, he's expressing how it is damaging the relationship now. You don't care?

Starting point is 00:29:04 No, I do care. Do you? Because you don't stop. I do care. But when I'm drowning in debt. Because I'm drowning in debt. And we have a kid. Okay, so this is already a problem.

Starting point is 00:29:13 Why make it a bigger problem between you two? Why destroy your relationship? Because I'm not letting him get his bullshit. He didn't say that. He says how you approach him. When you're stressing with finances, you go and you abrate him. It's stressful. I don't, I mean, like, I just, like, I feel like I try and bottle up so I don't bring it up all the time.

Starting point is 00:29:31 So if you get stressed at work, he should be able to come home and berate him. bray you. If he wants to. Really? That's how a good healthy relationship is. If he wants to come and vent? Is she just venting to you? No, not usually, but I know. Well, there you go. I know how she... I know how she is. So that's why a lot of times when she tries to talk to me about it, I just shut down because I know she's not

Starting point is 00:29:50 meaning to come at me that way, but she's just so stressed about it. Maybe she is. How can you even say she's not? Because... Because I know my heart. That's not right. I don't trust your interpretation. How is it when she comes at you? What does she do? So usually it depends on exactly what this time that she's stressing about with it. Money.

Starting point is 00:30:11 But usually she just comes at it to where she's like, man, we're so far behind. I know if we're going to be able to make it. I'm like, babe, I'm about to be ending school. I was like, I was like, I can end school now. I was like, I can end now and I can just put a pause on it and come back to it because it's an hour-based course. No, you still need to attend. We need to test, but it's based on the hours that we're there. So I could sit there, take a break, and come back to it when we were better.

Starting point is 00:30:40 You only have a certain amount of time after your graduation date to go back to it. But it sits there and makes it to where when I try to say anything about it, that she just ends up being like, no, you're almost at the end of it. Just go and do it. And I'm like, just let me go work because you're stressed so much about money. I was like, let me just go get a daytime job. Or I could just sit there and just switch to nights. It's going to take longer for me to finish

Starting point is 00:31:05 because there's less hours I could do at night. But I could sit there and switch completely and just get a daytime job. But I'd rather you be done with school and actually just go get your job and make more money than trying getting a job at McDonald's or the gas station or whatever and pushing your schooling time out even longer.

Starting point is 00:31:24 How quickly could you have done it if you weren't just full steam at all times? That's what he's doing now. That's what I'm doing right now. So it's like I'm almost towards the end of it. I mean, kind of. I mean, I agree or disagree. The disagrees you guys can't pay your mortgage

Starting point is 00:31:35 and you're going to lose a house. Like that's where, like, that's not an option anymore. I'll get you a course career certification in the trades as well. I believe there's some extra to back up what you're doing. A lot of people in the audience have converted those into six-figure jobs. Highly recommend course careers.

Starting point is 00:31:50 Yeah, I've been looking at a whole bunch of different courses. I want to go. I'll get you one for free. So there you go. But the thing is, in the end, you want to back off be a stay-at-home mom, take care of everything, and have them to provide. Back off.

Starting point is 00:32:03 Your job. Oh, yeah. I thought you meant off of, like, all the bills. Shut the fuck up. My question is, how do you trust this man to be a provider? He's a pathetic. What? Because he's honestly.

Starting point is 00:32:21 No, he's not. Yes, he is. Really? Oh, yeah. Where's the demonstration? I haven't witnessed any behavior here. That sounds like someone that can go on and get shit did. Well, any time that we have any problems at the rental with the water, the AC,

Starting point is 00:32:36 the whatever, he goes there and fixes it. If I'm not mistaken, I believe I read before that when you guys got together, he couldn't even provide and put a roof over your head. You guys were homeless. That was for a whole bunch of things that we were not talking about because of situations that have happened in the past, yes. Great. But if you're a provider, you could get a roof over the head.

Starting point is 00:32:55 You were fucking homeless. That's insane. He didn't have a job at the time. when we were... Great. What a good provider. Do you not understand the example that I am making here based on your history? That's why he's in school.

Starting point is 00:33:06 Okay, people work without being in school, though. I know. So this is not the person I'm trusting to be the provider. He is not very good at being a man. Okay. I trust him. How?

Starting point is 00:33:16 You guys were homeless when you first got together, which was not that long ago, by the way. But either way, when were you homeless? Last year. We were homeless for almost a year. So we got... Wait, you owned a house, though. Yeah, but so she sat there.

Starting point is 00:33:30 She had people running at the time, and she actually chose to be homeless with me. So I sat there. You suck. No, I sat there and I yelled at her. Oh, that's good. Because I didn't want her to be staying in the truck with me. I wanted her to stay with her. Well, yeah, where do you think homeless people sleep?

Starting point is 00:33:50 Tense? No, I sat there. You want us to get a tent on the side of the road instead of in our car? I don't want you to be homeless. What the fuck are you talking about? I don't want that. I was assuming. Babe, let me finish.

Starting point is 00:33:59 So we sat there and made it to where I was, because of some situations that happen. What? I was living with my sister. She ended up. She kicked him out because of our age gap. Of our age gap and stuff, yeah. She didn't like that.

Starting point is 00:34:17 She was young. She was 19. Yeah, but I was 30. Yeah, she didn't like it. She didn't agree with it, so she kicked him out. And then that made it to where I was homeless. and I sat there and I was like, all right, well, I'm going to start saving money to be able to get into a place. Because at first I was trying to pay off debt.

Starting point is 00:34:36 I feel like I feel like I'm missing something. I feel like, okay, I don't feel like she'd kick you off from 19, but okay. Well, she did. What about your parents? Why don't you guys live with your parents then? Because the dad doesn't like me because we were friends before and then. Well, you were friends with her dad? Well, we were in a bowling league together.

Starting point is 00:34:53 So we used to drink and stuff in the bowling league together. Yeah. And he saw you guys being friends for so long. Well, no, then at 19, mean, her got together. Yeah. And he did not like it. Yeah. Not unfair.

Starting point is 00:35:08 No, it's not unfair, but. I mean, it was shitty to make me homeless at 19, but. But that was also your choice. You'd go work, dude. Like, I don't know. You could have also sat there and stayed with them. It's just because they didn't want me there. And also you owned a house.

Starting point is 00:35:22 So, like, what's we're talking about? Well, yeah, because I couldn't afford the mortgage. So I know. But there was. I'm just saying there was a, there was many options. No, no. When I was with my ex-fiance, he was paying the mortgage pretty much. Gotcha.

Starting point is 00:35:36 And then he left and I couldn't afford it anymore. So my savings drank. But you could rent out rooms and here's the thing. Let's pretend you couldn't even do that. You get a job, work full-time and pay for a roof over your head. My mortgage is over $3,000 a month. And how much are you collecting in rent? No, I didn't.

Starting point is 00:35:51 I had one of my rooms being rented. Good. Then you could have lived in another one. I did. And then I, but they left. Listen to me, they left and I couldn't afford it anymore. So I had someone rent out the whole house. Good.

Starting point is 00:36:02 Then you could go rent a place of your own. And I left to go live with my parents. And they weren't paying the full mortgage. So I was still out, I think $600 a month. And when your parents kicked you're out, you could have got a cheap rent. I didn't have the down payment though for it. Okay, but even government housing you could apply it for. Oh, probably.

Starting point is 00:36:18 I have no idea about that. See, there's always options. Yeah. I was 19. I don't know about government assistance and stuff. What? You don't have access to. the internet, you're...

Starting point is 00:36:28 I told you. Clearly she is. You can't say she isn't. If she can't use the internet at 19, that's kind of crazy. You know, maybe her sister's right. If she is too... That's what I said, his sister. You said her sister.

Starting point is 00:36:41 Oh, sorry. Maybe your sister is right, though. If she's too... To open her phone at 19, maybe she is too much of an infant to get with someone who's an adult. You know, you bitch at people all the time when they say, oh, I'm young, I'm still a kid, and now you're calling me an infant. And I'm saying about kid now.

Starting point is 00:36:56 I said you're not being the internet. I was making an example of how stupid you were being. And you're too stupid to even understand that. Like, what the fuck is wrong with you? Maybe you're still an infant today. Brought the lobe not fully developed? Well, you're 21. Because you're acting like an idiot.

Starting point is 00:37:10 You don't understand what I'm saying. Also, the mortgage is $2,200 a month. It's only $3,100 because of the poor parents. Before. No, it's not. No, it was 22, 88, 10. And then because my escrow account went negative, it went to $3,00.

Starting point is 00:37:24 When? $1.92 cents. A couple of months. months ago, I think. No, because you were talking about the $3,100 mortgage and you're kicked out of your parents' house. Yeah. Well, so shut the fuck up.

Starting point is 00:37:33 You're a liar. You're an excuse maker. No, I didn't make the money anyway. It doesn't matter, though. You said you couldn't afford $3,100. No, back then. She couldn't. Back then.

Starting point is 00:37:43 It wasn't that number. You, you're just, you refuse to take accountability. And you're a bitch. You're a bitch. Come down a little bit. I am very protective over her. She was homeless, you f***. Freak?

Starting point is 00:37:57 Yeah, she was. Protective? No, she, I was homeless. Shut the fuck up. Or what? Oh, got me. Or what? What are you going to do if I don't shut up?

Starting point is 00:38:07 Who was to make a fight with a guy punching metal? Poor fun. No one who's protective over the spouse like recruits them into homelessness. You freak. Protective over her? She's about to lose her house and you won't work. No, no. Protective for a little freak.

Starting point is 00:38:22 Shut the fuck the, uh, protective. Protective. You can't even protect your self. against her. She owns you, you little cuck. Shut up. He owns me too. The shit's on paper. Except there's nothing to show for that. You do everything you want to do and he does everything you want to do. So he doesn't own you in any way. There's nothing. There's nothing here of which he has ownership and control. Over who she could talk to, over what she could wear. Mm-hmm. Oh, yeah, you did choose this. I don't think a woman would, so. No, actually, she chose that

Starting point is 00:38:56 outfit, not me. I have a select few things that I'm allowed to wear. You guys are fucking freaks, dude. Just you're not allowed to be showing off your body. Right. Trust me, no one wants to see that. No one wants to see yours. I'm not showing it off.

Starting point is 00:39:11 Neither am I. I know, but he said you can't. No one tells me I can't. I just know not to. Well, you can't. I just did. Okay, believe it or not, not every man that you talk to is going to be a pathetic little bitch like him.

Starting point is 00:39:25 If you say so. Like follow your little rules. Who came and figure out how much her mortgage was a couple, like a year ago. I literally told you it to the dime. A year. You were wrong. No, it's 228810. Earlier you said 3,100 when you were kicked out of your parents' house.

Starting point is 00:39:41 When you were kicked out of your house, yes, you said that. No, it was 2288. That's not what you said. You did say it was 3,100 when he was kicked out. I screwed up. You never screwed up in your life, but I know the numbers by the penny. So how are the first? financial decisions man in this house. You just do.

Starting point is 00:39:57 Yeah. And he gets no input. Yep. That's especially what it was at first was I didn't even know what was going on. And I was actually pissed about it because I was like especially when I was working, I was like, where's all my money going? It's like, what's getting paid? What isn't getting paid? Like, I'm

Starting point is 00:40:13 still getting messages from collection things and from yours. Yeah, so she had me on like a couple things. And like everything was like, what is going on? trusting someone who had collections and everything that you were on that allowed you to co-sign on things that went to collections and you're trusting that person? Well, now that we sat here and we've been trying to get a lot of stuff and we have done stuff and got a lot of paid off in the past.

Starting point is 00:40:40 And now we're just trying to come here for help to try to be able to sit there and get like the rest and get. That wasn't my question. You're trusting that. How? How does that person have trust that got you to co-sign on things and went to collections? Most of our bills are paid. It's just there were certain ones that couldn't because I ended up. saying they're going back to school.

Starting point is 00:40:57 They end up going into collections and stuff. Yeah, I have a car that got repoed too. Wow. Yeah, that's who we should trust to... Dude, she can't even take care of herself. What the fuck are we doing? I'm taking care of myself now. That's why now she says to...

Starting point is 00:41:11 I wasn't full time. I know, but I wasn't full time before. You have nothing to stand on. Both of you were trying to stand on this high pedestal of your relationships, your morality, your manliness, your responsibility, He is very manly, you're right. Uh-huh.

Starting point is 00:41:30 Okay, yes. At least you know. Uh-huh. Okay, yeah, great. Uh-huh. So you guys are really trying to stand, put yourself as up there. You have nothing to stand on. Look at your entire life.

Starting point is 00:41:48 You're pathetic, and you don't know what the fuck you're doing, and you're controlling. I know what I'm doing. You have nothing. to stand on. Because the mortgage company didn't tell me that I needed my ex-fiancee signature on the car company didn't tell you you had to pay the car. And the collections that went to collections that he signed up for didn't tell you

Starting point is 00:42:09 had to pay those bills. The collection ones are definitely because I decided to go back to school. And it was my focus. Everything just with the collections right now? Not too long ago, yeah. Stuff started going in collections. Nothing from before? No.

Starting point is 00:42:23 No. Mm-mm. When was your repo? Mm-hmm. Four months ago, I think. Then why the f*** did you go through bankruptcy at 19? Oh, shit. Oh, no.

Starting point is 00:42:33 That was supposed to be from then. That's, oh, oh, what a troublesome thing to throw into the conversation. I know. I f*** up. I'm sorry. Yeah. Two years ago. So, two years ago, yeah.

Starting point is 00:42:46 And you did not change your behavior. You're there again. So no, don't try to put yourself on that high pedestal. You're not. You're not that guy. You're not that guy, pal. Trust me. You're not that guy.

Starting point is 00:42:57 You're not. You never will be. Actually, you might be. I hope you do. Because I was the fuck up too financially. I mean, I'm still fucking in a lot of ways. Everyone is. Who isn't?

Starting point is 00:43:05 But the thing is, don't try to pretend like you're the financial expert. Well, clearly not. Yes, but you've tried to make it sound like you know what you're doing. You don't. Stop. Like, dude, I don't know, man. You're literally renting a place when you own a house.

Starting point is 00:43:24 Yeah. You guys at least like the place you're renting in? No. I mean. Well, I do. I do. I didn't want to. Yeah, that was a... Why? I wanted to stay in the house.

Starting point is 00:43:34 Well, yeah. And just have... Which you guys can afford, by the way. I mean, you actually can afford that mortgage payment. Even after you put money away for taxes... It stretched very hard. Listen, with you and your child tax credit at your income level... We just had her. I know. But even with that, it's like your tax bill is going to be a little less at the end of the year. We're rewarding...

Starting point is 00:43:53 Like you. This is how our society is built. So, and plus your dual income... household, I mean, at that point... How are we a dual income household? He doesn't work. With your dual income household, you filing jointly, because he doesn't work, your incomes a lot less. We don't file jointly. Well, do.

Starting point is 00:44:10 Okay. Because it'll make you guys look a lot better on paper. I'm helping you. Take advantage. Okay. Do you even file taxes? Yes. Every year. Correctly? Well, no. But I file them. I have to start

Starting point is 00:44:26 paying taxes next year. And I hope you kind of start paying taxes for the past few years. No, you got money back this year. What do you mean you, yeah, but she hasn't done it correctly, she said. Yeah. What do you mean you haven't done it right? Tell me. Well, because I have my 1099 job that I make the six grand a month and I was also working at a grocery store part time and that was a W-2. So I only filed my grocery store income. That's because you also, you also, they are going to get child tax credits and benefits and all those good. You also didn't get your 1099 paperwork until after we did the country stuff. I've never, I've never, I've, I've never, I've,

Starting point is 00:45:00 never gotten my 1099 paperwork to file. No, you've never gotten it. But I could have asked. They never gave it. Exactly. No, I know. No, I know. I know.

Starting point is 00:45:07 I just didn't ask for it. And this country, it's been a failed experiment. We've gotten too bloated and we don't care anymore and we just allow people like this to abuse the system. The only way that other countries have actual social benefits broad is because the middle class pays substantial taxes. And I don't want to. Okay, great.

Starting point is 00:45:28 Doesn't mean you can just scurts. the system. You have to pay your taxes. If I have to pay my millions, you've got to pay your taxes because I'm paying for your benefits. Yeah. The child tax credits and shit you get because you decided to reproduce. That was your choice. I don't give a fuck. You should give

Starting point is 00:45:44 a fuck. She's adorable. We were we before when you asked about the whole apartment thing. You hate to live in your apartment. Yes. I never wanted to go to the apartment. I wanted to stay in the house. I also don't really like people and I didn't want to be in an area where I had to be around people all the time. You also have no say.

Starting point is 00:45:58 in it. Yeah, I That's what it is exactly what happened. You actually do have a say by the way. You just don't do anything because you're pathetic.

Starting point is 00:46:05 No, they're actually I didn't because she had the money to go to it and already paid it. So what am I going to say? Are you guys not together? I was working a lot then. Yeah,

Starting point is 00:46:13 but are you guys not one? Isn't that the thing? What do you mean her money? It's supposed to be. Like, if you guys are treading, like, ownership and waiting until marriage.

Starting point is 00:46:25 Like with that, oh, you didn't, like, stick it in the butter, grab it by the hand. or putting in the mouth. No. No. We actually waited to marriage.

Starting point is 00:46:31 No. That's why we got married on our one-year... Not a single-hand job? That's why we got married on our one-year anniversary. People get married even quicker than that when they're, like, abstinent. I was also homeless at times, so it was one of those to where we didn't have a place to go. We still got married when we were homeless. I mean, you guys were sleeping in the truck together.

Starting point is 00:46:46 I think it would accidentally slip in. No. How? He was in a public parking lot. I was joking. Well, you're not funny. People in that tightest space usually get into a tight space. No.

Starting point is 00:46:58 We didn't. How would you know? Because I f***ed in a lot of cars. What are you talking about? Did you live in one, though? No, because I'm not a pathetic loser. Okay, so it's comfortable. Okay, I shouldn't say that.

Starting point is 00:47:07 By the way, homeless people aren't pathetic losers. They're pathetic losers. I have to clarify before the internet breaks. I've seen people spend thousands of dollars trying to lose weight, and the only thing they lost was the money. From gym memberships to suspicious powders, everything that fails becomes a recurring cost. It gets bigger and bigger, kind of like you.

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Starting point is 00:48:58 Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000. Yeah, I doubt. Because they didn't need to be homeless. You chose homeless. It was great to be with him. I had to be. You're kids out of your sister's place. Get a, I'm get a house. I had a job and I just didn't have the money saved to be able to put for the down payment and stuff. You could have stayed in shelter.

Starting point is 00:49:24 You could have done a lot of things. Yeah, but shelter, I was also driving to a whole other section of Florida every single day and back. He was driving like, what was it, three hours? Three and a half hours. You can't do shelters? I don't understand. No, so I was just like, I... All right, what do you guys think your combined hammer financial score is zero to ten?

Starting point is 00:49:38 Zero being the best. Zero being the best? You don't even know your own show. Reverse. Zero being the worst. You're taking that out? No, I'm saying reverse the scores. You've been the worst time being the best.

Starting point is 00:49:48 Okay, good. I want you make sure you have it on video that you look like an idiot too. I don't care. Just us. Okay. Are you going to do the one, two, three, go thing? No, it's probably a two.

Starting point is 00:49:55 No, I haven't done that in like a year. What? Man, we're watching some old videos. Okay, zero. If you watch an Amber Financial Score, it is free. It's been redone, where it's detailed in each category now.

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Starting point is 00:50:30 of the cookbook. Check it out. I can't believe you were crying about driving to work. Everyone drives the fucking... Where is it? Where is it? Crying about driving to work. Yours isn't and I hate you so yours won't be.

Starting point is 00:50:41 What? I said I was driving. So this mortgage... Yeah, okay. So what's that number that you're going to be owing? that big lump sum It's 28,000

Starting point is 00:50:53 November what? You have the exact number November 31st That's crazy Okay We'll put a film date to this So everyone knows out there August 25th

Starting point is 00:51:04 Yeah So November 28th Is 27, 31st 31st 27, 27,000 $974

Starting point is 00:51:14 5 cents for me Yeah And if it doesn't If you don't then it'll go into my mortgage payments every month for 12 months

Starting point is 00:51:24 so the payment would be probably like $5,000, $4,500. With interest accrued? No. Then why not spread it across 12 months? Because that's a lot of money a month. But it's the same amount of money. That's an interest-free loan.

Starting point is 00:51:38 No, it's not interest-free. You just said it wasn't baked in with interest. Well, not the arrears. Yeah, so that makes it an interest-free loan. Okay, sorry. I want to clarify. There's 28,000. That's owed on November 20th.

Starting point is 00:51:49 But if you don't pay it on November 28, they'll spread it across 12 months. Yes. With no interest accruing on that, 28. Yes. Well, I don't understand. Do that. So do that divided by 12 and tell me what it is. Okay.

Starting point is 00:52:01 The $28,000. $27,974.5. Divided by $12. $2,331. Okay, so now add $3,0.91. But if you save up this money, okay, it doesn't even matter. Yes, you can make more money in a high yield. Whatever.

Starting point is 00:52:18 Yeah. But that's, but that's. But that's just the mortgage. And now we have rent. I can't. But it's the same amount of money you were going to do it anyway. So it at least gives you a little extra wiggle room, having the money sitting in a savings,

Starting point is 00:52:28 and then paying it over 12 months. Is that what you suggest instead of the slump sum? Potentially, because literally it's a 0% interest-free loan. Now you have to actually manage and actually pay it and you refuse to actually pay bills because you're a loser. But yes, if you can actually do it, then yes. She pays all the other bills. She got her car repoed, went through bankruptcy,

Starting point is 00:52:48 two years ago and has collections accounts. Shut the fuck up. You don't know what you're talking about. Other vehicles that we say here pay every single month. Mortgage that gets paid. Oh wow. Oh, incredible. That's so good.

Starting point is 00:52:58 The basic minimum requirement. Well done. Shut the fuck up. Dude. And we pay other stuff off. You really were like raised it a lot. Do you think that we should try and pay this or let it foreclose? When did I ever suggest foreclose?

Starting point is 00:53:14 Well, no. I told you earlier. My mom suggested to have it foreclosed. Don't listen to her. The average American's stupid with money. Even the Swampman agrees with me. Yeah. Well, because my ex-fiancee is on the mortgage, so I could never sell it and I couldn't ever do anything.

Starting point is 00:53:29 But we could refinance it eventually and get him off of it. It's hard to refinance, though. It is hard. It is. You're going to have to have a pretty decent market recovery. Yeah. Which, you know, a lot of those big COVID markets where they built a lot of housing and stuff, which is good.

Starting point is 00:53:46 Housing prices are going down. Yeah, it's like $30,000 less than I think when I bought it. Yeah. It's about 50. Yeah. Okay. Okay, so what is, okay, payoff quote, 900. Oh, sorry of your mortgage, yes, but your purchase price was higher.

Starting point is 00:54:02 But your mortgage is $298,9190.75 cents. Yeah. And the normal monthly payment is, remind me again. $3,0.91.92. Now, with the new escrow and everything. Okay. Yes. I get a new escrow analysis

Starting point is 00:54:19 once I pay the lump sum if I pay the lump sum. Gotcha. Now, it'll add on top of it, which I might do. So it went up, what was it? Was it property taxes? It was property taxes. Because I didn't file for homestead exemption, and it

Starting point is 00:54:35 went through the roof. And it went up $800 a month? Yes. Yeah. There's no cap of what property taxes can be raised in the state of Florida? If you don't have the homestead. Even without homestead, right? No, there's no cap. There's no cap unless you file for homesick. You can homestead in Texas, but in Texas, but even still, if the city tries to raise it more than a certain percent, it triggers an automatic, like, election.

Starting point is 00:54:55 No, not in Florida. That's insane. Rhonda, Santis, get on top of that shit. What the fuck what you're doing? That's why after that happened, I called them and I said, what the hell happened? They were like, oh, you're taxes. Because you're stupid. They said it was because of taxes, so I went and filed for homestead now, which doesn't help prior, but. Nope.

Starting point is 00:55:11 It helps for next year, but not this year. Yeah. Yep. Okay, so forbearance. So, I mean, how close are we... Well, the thing is, and this is what concerns me, I don't know how you're going to be able to save up that much money in two months. Well, we have $10,000 right now.

Starting point is 00:55:27 And I make $6,000 a month and the people in the house give me $700 a month. $700 is all you get? A week. A week. That's $2,800 a month. So how the fuck? There's no reason why this is such a struggle for you. Because they weren't paid for, and now they're paying.

Starting point is 00:55:45 But as of three months ago, they've been paying. So still, the fact that it got an additional three months behind was so stupid. But either way. Because they told me I had to pay a lump sum from the first three months and I didn't have it. But three months, you're not able to save up 10 in three months? It was 11,000 and change. You have it in there somewhere. Hey, that doesn't hit our target.

Starting point is 00:56:07 That does not hit our target in two months if you keep that trend. You got to run on top of it. You have other bills from the sounds of it. And this is a pretty thick stack. You do not hit that number in two months. Yeah. Well, by the end of it, the budget will tell all. Yeah.

Starting point is 00:56:21 But. And that's the thing about, like, the school. Right. Because his school. Especially when you're doing things like Wayfair. Yeah. Yeah, that was kind of.

Starting point is 00:56:29 Child better meet child selling network. No, that was my. That's not a little. That was my screw up. So we want to buy another house within the next year and kind of do rental properties and stuff. That was a joke, by the way. I've taken a way fair. sponsorship. I'll do it again.

Starting point is 00:56:47 So that was for some furniture for a house. Yeah, because no one will ever get used furniture in the history of this show. Well, it was like a Fourth of July sale, so I got like four beds for that price. It was six beds for that price. Was it six? Yeah, it was six beds? Oh, I see you're not a vote than just the Wayfair though, right? For what?

Starting point is 00:57:09 Pull up for Klarna. So that was so hard when people don't send a full everything. Listen, I think this, I mean, it's pretty close to paid off. So I'm just going to cross it out for now. Okay. But that's just an indication, again, of things that you are... Yes, this is what we are prioritizing, because that's, like, going to be paid off by, like, now.

Starting point is 00:57:35 Which means at the time we did this, we already circled to start paying our mortgage payment, or it was right around it anyway. So this is so... That we're prioritizing new furniture over paying for the roof over our kids. You were pregnant. You knew you were going to have the kids.

Starting point is 00:57:48 But this was before I knew, about the issue with the forbearance. Right there, though. I know. I know. It was right before. Even still, the issue with the forbearance, well, they didn't even matter.

Starting point is 00:57:58 You're struggling to pay your mortgage in general, and we're getting furniture on Clara? Like, what are we doing? You have a kid. You have a kid coming at that point. Yeah, I didn't even know fully that was fully happening until it did. Yeah, I just ordered it. Now, you might be one of the rare few examples of someone that actually needs a RAM,

Starting point is 00:58:15 $1,500, carrying around your tools and equipment and stuff like that. That's fine. We get a $30,000 one at 21.8% interest. No, wrong with you. We get the cheapest piece of shit we can. He had a piece of shit and fell apart. Exactly.

Starting point is 00:58:30 It's reasonable as one. The clarification, the asteris. Yeah. I sat there had one. It sat there and started breaking down a lot more and we had a kid. That's why I said one that's reasonable. Again. And that was, we were looking at other ones and we were looking at a different one and they wanted too much money.

Starting point is 00:58:48 So I said, no, let's go with this one that is cheaper. 84-month long good Yeah Like why couldn't we get like a 2018 The one we were looking at was a 2018 It was more expensive Okay what about 17 16 15 They didn't have any others

Starting point is 00:59:05 16? They have one We should have got a 16 just because They didn't? Who's they? The dealership Good, go to Moore Yeah

Starting point is 00:59:14 You're in Florida Go to Tampa like what An hour and a half north Try like two and a half three hours Okay congratulations Whatever Dude, Dallas is longer than that. Shut up from Austin.

Starting point is 00:59:24 Go to Miami, two and a half hours east. What are you doing? Go to more dealerships, you fucking loser? That's the thing. Trucks are expensive and he didn't want to not get a truck. That's why you look for more. What? How does that?

Starting point is 00:59:35 What counter argument is that to what I just said? Because trucks aren't usually that much money, at least not in Florida. They're usually like 60, 80,000. Whatever. I'm sure you could find a cheaper one. Yes, I can. I can. You and your stupid.

Starting point is 00:59:51 Yeah, me and my stupid internet. Something you refuse to know how to use. That you need constantly with you on your show. It was one of those she wanted to sit there and see. It didn't exist. They didn't exist. Oh, right, you're an old man too. Yes.

Starting point is 01:00:04 We sat there and I was at school and she sat there and just sent me a picture of a truck. And he's like, that was our shopping technique? You're incredible. You're incredible. And he refused to get anything other than a truck. He wouldn't get. get any like smaller vehicle that was cheaper. He was like, no, I need a

Starting point is 01:00:24 truck. He does need this for his job. He is right about that. He is right about that. Because here we go. He doesn't graduate school for another few months. Here we go. San Antonio, 2014 ran 1500. It's at 18,000. How many miles? 42,000. No way. Let me see.

Starting point is 01:00:39 Where is it out? I mean, it doesn't matter now. No, it doesn't, but it's just an example. That's here in Texas. Oh. Oh, my gosh. These people suck. You could also look. They pretend like only Texas markets. There's definitely none. In the third most populated state in the country. Why can't you just type in Florida?

Starting point is 01:00:56 You should know how your iPad works to type GoFL. But it was one of those I should set there. But regardless, it doesn't matter. We already have the loan. And we're so probably underwater with it that it's not even worth selling it because we just got it. No, that's not the point. I'm talking about how you were getting this. Yeah, and you've been telling me that the whole show.

Starting point is 01:01:14 Yes. Get a different word, man. No, because it completely, it completely defines you. Okay. That is you. Okay. Says you. Says your behavior and choices and actions.

Starting point is 01:01:26 That's the show. $702.82. For someone that makes... When did you get this truck? Last month. Last month. Because I'm going to be graduating soon. Yeah, we just made our first payment on it.

Starting point is 01:01:42 Last month, when we were five months behind on our mortgage, we decided to get a car that is $702 a month. For 84 months, at a 21.8% interest when our kid was a month old, when you bring in $0,000, you guys are the worst humans, parents, partners to ever exist. It's worth half of what you owe on it. I was going to sit there and fixing that old truck. I didn't say sell it.

Starting point is 01:02:13 I never once had the word. That's your whole thing. When the math works. The math doesn't work. Dude, she is the worst. This, like you... You're a bad person. I don't like you.

Starting point is 01:02:24 Thank you. You're horrible. Thank you. But I was looking at possibly fixing that old truck, but all the stuff it was going to cost to fix it. It was more than it was even worse. I wouldn't advocate for that either. That's what I was saying like the $18,000 type of truck.

Starting point is 01:02:37 But that was one to where you just sit there instead of, we needed one pretty quick. Also, it didn't have to be a RAM. Maybe there's something cheaper. I don't know. The thing is. Well, no. So I was sat there and I was actually looking.

Starting point is 01:02:47 I was going to start looking, but... He was going to start looking. looking. So you weren't looking. You were going to start looking. She went to there while I was at school. One dealership. Yes. But I sat there and my truck actually broke down on me going to school one day and I was on the side of the road trying to fix it. How far was your school from your house? It's about 45 minutes to an hour. Okay. Yeah. I'd rather you guys rent the car for a couple months. That's a lot of money. It is less money substantially than an 18, then a 21% interest rate on an 84 month loan. But then also rent a call. Oh my. These people. These people.

Starting point is 01:03:20 man. There's literally that's the thing. You're just like another woman that sits there doesn't let people finish talking so. It's my show, asshole. But you want to sit here and ask for opinions from people and yet you don't want to let them talk. Opinions. Or like they're what they're wanting to do. Like I'm saying to try you about the truck. What do I don't care about what you want to do. I can't about you getting out of debt and live a better life because I want to understand your perspective and then call you and then fix it. And then you don't let him answer. Every single guest on this show or not every single guest, but every single person that ends up in this situation, there is no other alternative than what they did. That is the issue. There was other alternatives.

Starting point is 01:03:56 If you would have to finish talking. Okay, then try. Because renting was clearly evil. But see, yeah, because to me, that was a lot of money to sit there and try to spend to every single, because you got to think, how much is a rental a single day? We also tried to get a rental car and they wanted a credit card. Yeah, and we were trying not to use credit cards, everything like this. And I don't, we didn't have great credit. We don't have a credit card. We don't have a credit card. We don't have a don't have a credit card. They wouldn't give us a rental car. You don't have a credit card? No, we got rid of them. No, I don't have a credit card. And I don't either. I can show you my wallet right now. I got nothing in it besides my dearers. Okay, just because not in your wallet doesn't mean

Starting point is 01:04:31 you don't have one. But I'm just saying like I could. Like I sit to say that's all I have in there. It's like I don't sit. We don't have a single credit cards in there. Okay. There's family nearby. Is there not? No. No, I don't. No. Well, not you. My parents. My haven't spoken to my father. They won't even talk to you? I understand that kids you out. Mom does every now. Because you won't with a murder? They won't help it all. My mom talks to me.

Starting point is 01:04:54 They won't help at all. I'm going to have asked them for help once, maybe twice, and they just refuse. You have no friends? No. No. I mean, I would have maybe even opened a credit card. I get denied for... Caleb Hammer, open a credit card.

Starting point is 01:05:12 Wow. I love credit cards. What are you talking about? For people that don't know how to use them? Yes, but I'm talking about saving literally potentially tens of thousands of dollars. Right? Yeah. Like, that's what we're discussing here.

Starting point is 01:05:23 But when his truck dies on the side of the road, I don't want to have to try and figure out where or when I can get a credit card. When he has to go pick up the kid and the car breaks down on the side of the road. All of that is less convenient than buying a car going through that entire loan process. Like, shut the fuck up. Well, no, I went there one day and they hand me the keys. Exactly. Okay, great.

Starting point is 01:05:43 Okay, yep, it's good. Yep, keep this car. This is fantastic. Shut up. You did such a good job. You did such a good job. You're so smart. You're so good.

Starting point is 01:05:50 Now, what about this 2022 Chevrolet Silverado? Is that what we just looked at? It was supposed to actually, I don't know why it says that on there, but it's actually a Dodge Ram, 2015-100 to 2020. Yeah, that's the same thing that you just looked at. It's the same thing you just looked at. It just says a different car for some reason on there. And this, what, wait, this has a higher interest right though.

Starting point is 01:06:10 Are you sure? This is something reporting different. Can I see? Sure. Because it is a different car, and it's a different car. and it's a different interest rate. It's a different interest rate? Let me see that one.

Starting point is 01:06:23 Oh my gosh. Yeah, sure. Let's... It is a different interest rate. Whoa, that's crazy. It's just reporting wrong. This is the correct one. This is the statement from the bank.

Starting point is 01:06:34 This is wrong. Yes, I'm saying maybe this is something different that is on your report and you just don't know. No, it's the same thing. Listen, I'm going to assume there's an issue, but you're going to need a dispute it or something. Why? It's the same thing.

Starting point is 01:06:49 It's the same thing. The same term amount and everything. I'm just looking to it. Something. Okay, something from our credit union. We got $2,217 and you're passed through that entire amount. Why? Yeah, that's Suncoast.

Starting point is 01:07:01 Huh? What is this? That's a Suncoast credit card that we used to have. That's in collections. Yeah, that's collections. We? No, me. What happened?

Starting point is 01:07:12 I wanted to go see my friend in South Carolina. So that was like, that was... I think it was right after my bankruptcy All of my collections are right after my bankruptcy I went and got You know a plane ticket The rental car the hotel or whatever On that car

Starting point is 01:07:36 Oh you were able to get a rental car? That's crazy Well yeah after the After the bankruptcy because it wasn't fully Good Done yet Okay I have another one in collections Yeah that's mine Yeah, I have a lot of credit ones

Starting point is 01:07:52 $953 Yeah, I used to Collect Funko pops So a couple of those credit ones Is for Funko Pops Often are we going to South Carolina That was just the one time You haven't gone again?

Starting point is 01:08:07 No Was I supposed to go another time? I believe you went and saw them like three days after your baby was born But we drove But we didn't pay for it though Like we didn't pay for flights and stuff No, we just drove for

Starting point is 01:08:20 Like three days after the baby was born? Yeah, she was supposed to leave her. At home by herself. Stay at home with the kids. Three days after a kid is born, you're taking about a road trip? She wanted to see the baby. And she can come down. Well, she didn't want to.

Starting point is 01:08:36 Then she didn't want to see the baby and not. She wanted to drive up there afterwards. There you go. That's the real answer. We sat there and got out of hospital Thursday and left Friday. Okay, 631 in other collections. and then in other collections here of 793. Yeah, a couple of those are for Funko pops that I collected.

Starting point is 01:08:57 And then I think one of those is for some Pokemon cards. You are a collector of the worst mistakes. Great. And there's nothing to show for it. Okay. So a lawyer. Why do you have a lawyer? Because when my ex-fiancee left, he sued me to try and force me to sell the house.

Starting point is 01:09:15 Why do you sue you? Because he wanted me to sell the house. Well, this is his argument. The argument was that he's on the most. mortgage and he didn't want to be on the mortgage anymore and he moved away. And he wanted to sell it and have a split at 50-50. Why didn't you? Because I was living in it and he didn't pay a dime

Starting point is 01:09:30 towards the house. Every single mortgage payment, the appraisal, the down payment, everything I paid. He didn't pay any of it. Did you win? Yeah. But that's why I still had the house. Yeah. I also sued him for my engagement ring because he stole it when he left. Is that it? No, this is new one for us. From Adam.

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Starting point is 01:11:12 All you need to do is head to gmerstubs.g.g. slash Caleb or click the link in the description below. But when I was engaged prior, he stole the engagement ring that I paid for. Did you sell it? He sold it. He stole it and sold it. But you sued him? I sued him. Did you win?

Starting point is 01:11:27 I did. Did you get money? No. He owes me $5,500 legally. Well, this is why no one can contact him. Yeah. He won't give it to me. So I have to try and figure out where he works and garnish his wages.

Starting point is 01:11:39 And that's the only way that I'm ever going to get it. And I cannot figure out where he works. PI. I know. I have to hire one. It costs money. It does. But for $5,500.

Starting point is 01:11:48 Yeah, I know. I actually told her that we should sit there and just put up the money for a PI to figure it out. Yeah, I'm just so worried about this lump sum of money about the mortgage that I don't want to pay anything off. I don't want to put anything extra toward it until we figure out what's going on with the mortgage. I don't want to hire a PI. I don't want to do anything extra shit. So $2,689 out of this lawyer. Is there like a minimum monthly or what's going on?

Starting point is 01:12:14 I'm not sure. I think that it's like a, I think that there is. You don't even know? I don't. I think it's like 50 bucks or something. It's $49. I was close. And, okay, it looks like you just made a payment last month.

Starting point is 01:12:28 Okay. Yeah. Failed first and then you made a payment. Yeah, it was on the wrong account. Oh, more collections. Yeah. Yeah, there's quite a few collections. 937.

Starting point is 01:12:43 Yeah. So you guys got married. a year ago? Yep. August 16th. How did you guys afford that wedding? Did you?

Starting point is 01:12:52 You go and everything was going in the collections? Really, really cheap. Oh, how much? Maybe $5 grand for the whole thing. Yeah.

Starting point is 01:12:58 The dress, everything. The rings, the actual wedding itself. There was like five people there. This is a collection of $30. Why don't you just pay that and allow it to impact

Starting point is 01:13:08 your credit in a positive way? Because of the mortgage. So you told Lindsay $10,000. Was it $10? For what? For a wedding. For a wedding. Maybe for all the dress

Starting point is 01:13:18 and everything like that and the rings and all that. And this is not paying for our house and all this. Your priorities are whack, dude. I wanted to get married. Oh, that's actually not, nope, this is in collections. Yeah, it's in collections. We can get married without $10,000. Yeah.

Starting point is 01:13:32 $925 in that collections. Was it 10? If you count rings and everything like that, probably. Maybe I was thinking just the wedding itself was like $5,000. And then after the dress and the rings, it was another five. Yeah, probably. $234 of this collections. Verizon, $234 in that collections.

Starting point is 01:13:59 You're incredible. You're the funniest guest I've ever had. $14,000. How do you have $14,681 in this collections? That was a vehicle that I crashed. Right after my bankruptcy. You suck, man. Why did you not send us your checking account?

Starting point is 01:14:22 Why did you refuse in every way whatsoever? Because how can we fix things if I can't see what you're spending is? Because one, I really don't spend anything because I don't have anything. Prove it. And then second, I also didn't want all my stuff out there. We would redact your shit. What the fucking about? What stuff out of you're spending?

Starting point is 01:14:39 He does any. But you just said your spending is not bad. It's not, but I want my checking and everything out there. What do you mean? What would be out there? Anything. What are you concerned about? anything at all. I didn't want out there.

Starting point is 01:14:50 You said nothing's in there. Yeah. And he doesn't want the people. None of this makes sense. He doesn't want the world to see that he has nothing pretty much. That makes zero sense. How the... But whatever.

Starting point is 01:15:01 With who? Me? No, with him. Yeah. He's dissent it. Well, yes. How can we get a budget together in, uh, criticize spending and fixed behavior if we don't know what the behavior is?

Starting point is 01:15:11 Well, he doesn't make any money anyway now. So there's, there's nothing there. How does money? Do you have money in your checking account? No. No. And why don't let me see it? That's what I said. What?

Starting point is 01:15:21 You could be overdrafted. You could be all these different things that we don't know. Maybe there's another debt in there. Who even knows? He let me see the bank statements. And? There's nothing there. So I'm like...

Starting point is 01:15:32 Not even a cent of spending? Well, no. He doesn't make money. How do you get gas? I'll ask her for gas. I'll be like, hey, I need 40, 50 bucks for gas. Yeah. And you saw in the checking account that it was never spent spent on bullshit at all.

Starting point is 01:15:48 Every now and then I'll sit there. At the gas station, I might get a drink with it and then just put the rest with it. Isn't that the thing she hates and criticizes? Yeah. So why do you enable by just sending the money? Because how else am I supposed to get gas? Fuck you. If you're doing the behavior that is obviously bad, why would she support it?

Starting point is 01:16:06 Yeah, there are times where I'm like, figure it out. But then it's like, what am I supposed to say? No, don't get gas and don't go to school and get your certification to provide for me. If the only way for him to get there is you enabling his bad behavior, Yeah, maybe. That would at least force him to change and fix it. Yeah. I just, I want him to finish.

Starting point is 01:16:24 I want him to just finish school and get a job. And just put his checks and make out. So you're going to be put his bullshit forever then. Because your entire philosophy will be, you just want to get through. Want to get through it for the next thing. If I give him his allowance and he spends it on bullshit, then he spends it on bullshit.

Starting point is 01:16:39 You know, I'm taking whatever that allowance amount. It really depends on how much he's going to make after he works. Why don't let me see your spending? It's because I don't want to. It's one thing I was hard on the entire time. even when she sat there was wanting to go. Because he didn't even want to be here. I didn't want to be here.

Starting point is 01:16:53 I don't want to say, I didn't want to know the logic behind the want. Yeah, I want to know too. Not really tons of logic. I just really didn't want to. I don't want my finances and everything out in the world. Just like I sat there told her from day one. Then how on the day one? Of her wanting to come on here.

Starting point is 01:17:07 Yeah, when I applied. I told her I did not want to go and I didn't want any of shit together to be clear. That's why he's allowed to get his own bullshit allowance. Because you're not willing to take accountability for anything. I'd actually take accountability and sat there said that I sat here, got the drinks and the reasoning for the reason why I would get drinks. It's like, how am I taking accountability? Because you're not willing to- That, and you're not willing to have someone even look at your shit

Starting point is 01:17:33 I let her see them That's the person who matters the most to me so she could see them Yeah, but she's also stupid with money. She wouldn't know what she's looking at She could see what it's being spent on what it's not being spent on stuff So the act that are those the car in the house and and the lawyer. Oh, wait, no, because of this. Yeah, that's my, that's my car.

Starting point is 01:17:54 Okay, what do you have? That's a Kia Sportage. That's the one I'm on too. Oh. Yeah, we're both on that. How good. She just brings you along. Well, that's to try to help my credit go up.

Starting point is 01:18:07 24,000. I haven't missed a payment on that. $70.54. You're not really known for not missing payments. Minimum monthly payment, especially, like, it's $630,85. sense. Yeah. Oh, what's your, uh, okay. Well, you owe 24,000 on it. It's worth 12. What's the interest rate? Uh, it's 20 something. What are we doing? I think it's a little bit less than the truck, though. This is at 20. I thought it was at 21 or 22. Okay, so this is it 20? Yeah,

Starting point is 01:18:37 that's what I think. 20 and change. Wow, you're winning, I guess. Well, no, but it's not like 25 or 26. It's 20. I know. That's horrible. It's horrible. It's destroying the market if you're investing it, you're getting 10% a year. Yeah. Average. Investing it into what? If it was in the overall general stock market, if it followed like the S&P 500,

Starting point is 01:19:00 doesn't matter. That's what you talk about a lot on your show, and I have no idea what that is. And you don't need to right now, because you have a 20% interest rate card debt depreciating asset. But you said that with the mortgage stuff, that I should put it in like that kind of an account. And that's why I said maybe you should just pay the lump sum, because why overcomplicated it for you?

Starting point is 01:19:17 Like, why overcomplicate it? You're right. You're right. You can't do shit. But you said, I'm not going to make the lump sum by then. I mean, that is the reality, probably, right? I mean, we'll see. I had to see, I said we have to see what the budget is at the end.

Starting point is 01:19:29 So the big thing also with us doing that lump sum is that I don't, technically, I finish my schooling the end of this week. But they just came out with a national certification for my schooling that I'm okay to do. that if I go back and do that, I won't be done with it until like middle end of November when the lump sum is due. Yeah. That's like another thing I wanted to talk to you about.

Starting point is 01:19:58 This is the same thing. Yes, yes. I wanted to see what you thought about for him going back for that certification. Why do you have to? Yeah. Okay, so what do you owe? you owe 11,197 in student loans?

Starting point is 01:20:16 Yes. That's his school. No, you don't have to pay for it yet, right? No, it's six months after I graduate. Yeah. Which is that in this week, or is that after your NCCER certification? Oh, that's a find out. This will probably have a good return on its investment, which I can appreciate that.

Starting point is 01:20:33 Just make sure you're on top of it. Yeah. Okay, so, is this a screenshot of just your balances? Yeah. Him? Mine. Oh, great. Savings, $5. No, my savings is in my money market.

Starting point is 01:20:48 And then the money market, we have a... Or the smart start, sorry. I'm going through them. If you would learn to shut the fuck for once in your life, I would get to it. She likes to interrupt the loan. You're obnoxious... $643 in that money market, then your smart savings, 7. There's $10,000 in that now.

Starting point is 01:21:07 Okay, yeah. I know, it doesn't really matter much. 788 student loans? Yeah, that's my. I don't know why they didn't give you the statement for that. I don't know why they wrote it like that, but whatever. That'll go to collections in 30 days from the 13th. If I don't write it.

Starting point is 01:21:25 I just got it. No, we literally just got it. I just got it like right before we left to come here. Yeah, so that's why it's one of those. You know why? Because you shut up today with a folder of the statements instead of sending it in like we requested via email. So that's you not following. Just got it.

Starting point is 01:21:41 Log in. log into what? The portal that manages your student loans. This isn't a student loan, though. It's like from the school. It's just like a missed payment that I was supposed to pay. Why? When I said a federal loans, you said yes.

Starting point is 01:21:55 Because it is for the school. It's just not a loan. So then what is it? Just what you had just described. Okay. Oh my goodness. You are a walking headache. You actually suck as a human being

Starting point is 01:22:11 in processing information. Huh? What? Not you, him. Okay. How was it a cuck when she said not you? Amount due. He doesn't even know what a cuck is.

Starting point is 01:22:26 He just costs people. He doesn't know what a cuck is. He just costs people that. You're the one who asked me what I was doing after filming. Cuck. So $3,428. Okay. Emergency physician.

Starting point is 01:22:40 Is this birth? Yes. Okay. Are you on a payment plan yet? No. Why? spend two months. Because it's a medical bill.

Starting point is 01:22:49 So? You can get on payment plans still for me. It'll still credit. In Florida? Does it go to your credit? It's not usually. It's the United States. Really?

Starting point is 01:22:58 Yes. I didn't think that medical bills went to your credit. Oh, they f*** do! You a piece of shit? Okay. Okay. What is this?

Starting point is 01:23:08 Charges your payments, adjustments, your balance. That's another medical bill. Oh, good. Probably not on a payment plan, are you? No. You don't give a fuck about anything. You're just going to destroy your life forever. Yeah. How much is that one?

Starting point is 01:23:20 1,722. Yeah. I think that was my heart surgery that I had. I think so too. Yeah. Is that what you're fucking enough oxygen getting into your brain? What does that do with my heart? What do you think gets the bud to the f***? What do you think flows blood around the body?

Starting point is 01:23:40 You said oxygen. Now you're saying blood? That's how it transports it. Okay, whatever. That's an anesthesiologist. bill. Okay. It says it and it's highlighted for you. What I was trying to ask is that's the payment plan or is that the entire balance? No, that's the entire balance. You could just pay it.

Starting point is 01:24:00 Okay. I want to know which order I should pay $107.20. Mm-hmm. That's my bank payments. Is it? Right, you have $0. Well done. Incredible. Would draw fee. Would draw fee.

Starting point is 01:24:16 Good. With fee. Yes. That's, that's, that's, That's what it is. Zero dollars in this one. Drawing. What the hell is that? I don't even know what that is.

Starting point is 01:24:27 Getting some bullshit, some potential bullshit of groceries. Is this another loan? Smart cash certification? No, payday alternative. Yeah. That's $1,000. Why?

Starting point is 01:24:42 What are you doing? Because they didn't have a credit card. Because we don't have any credit cards. So we have a payday loan. Yeah, a thousand dollars. $15,000. I assume you can just withdraw once you pay it. Yes.

Starting point is 01:24:56 This is that over and over and over again. Yes. Oh, great. I was wondering where the rest is because you wouldn't send up shit because you don't give a fuck about your life. Okay. What was that $7,000 or whatever?

Starting point is 01:25:09 $2,287.000 in your edward. Where? It's in the smart start. What? Okay. That's a city. Do you wish you could just hit skip? on the worst parts of your life?

Starting point is 01:25:22 You know the same way you can skip an ad? I get it. I'm Siaia and I live in Ice Cove. I've made some questionable decisions that didn't end up the way I planned. And today I'm still figuring it out. Somehow things usually get worse before they get better.

Starting point is 01:25:38 Apparently, that's how I roll. So bundle up and come along for the bumpy ride. Stream a new episode of North of North Tuesdays on CBC Gem. 87 hours. That's my retirement. Yeah. What are you have in retirement?

Starting point is 01:25:52 Nothing. I don't because we pulled it. You pulled it? Yeah, because he paid off his credit cards and stuff that he had. So that's why he doesn't have any. Well, he doesn't have any, you know, like, bad debt. I know. Okay, let's budget it.

Starting point is 01:26:07 So what's your rent? 1800. Utilities, gas, electric, internet, all combined. How much? $150. For everything? Well, yeah, the 1800 includes water. Okay.

Starting point is 01:26:24 Now, yeah, and okay, without your mortgage, so let's do the car payments. 82, 630, 85, and 49. Your debt minimumity payments outside of the mortgage is $1,300, $1,382. Yikes. Yeah, that's just the two cards

Starting point is 01:26:44 that you're justifying like none other, so shut the fuck up. Mortgage is... $3,092. Yes, $3,000. $1.92. But how do you get $700 a week? Yeah.

Starting point is 01:26:58 $700 times 52 divided by 12. It's an averaging out of about $3,000 a month. We'll put that into the income. Yeah. So your income, we're going to say is basically $9,000. Okay. Phone bill. If you have any, speak up.

Starting point is 01:27:14 $250. That's insane. Which actually, I just got it lowered down to about $220. Okay, $2.25. Gas, a Brim, From Drive, Drive. How much? mine's about 80 a week and mine's like

Starting point is 01:27:27 40 a week okay 80 plus 40 times 52 divided by 12 talking 520 car insurance how much we just paid $2,666

Starting point is 01:27:44 for six months $2,666 yep 666 5266 5 or 6 sorry Yeah, because it's going to come up again, so we're going to say 444 a month. But you just paid it so we can take that out for a little bit, but you are going to have to pay that again.

Starting point is 01:28:02 Yes. Okay, necessary food. Kids on Titty, right? No, it's on formula. She was on Titty, but then she ended up. I stopped producing milk. Work harder. I work 60 hours a week.

Starting point is 01:28:17 I'm kidding. I'm kidding. I'm kidding. I was joking. Shut up. I was eating work harder. No, and I was saying that. I worked 60 hours. Okay, clearly this doesn't matter. I was fucking around.

Starting point is 01:28:26 600. Yeah, you should be able to do 700 hours a month in groceries. Meal prep, meal plan. T.P. You find anything else who exists, and I know diapers and all this shit. That 300 bucks. Yeah. Medical health care. Are there co-paid on a monthly basis? No.

Starting point is 01:28:39 No. No. There are a pet? No. Subscriptions, I'll try 50 bucks. We don't have any subscriptions. Well, you can. Anything else that needs to be in your budget?

Starting point is 01:28:53 Is there anything else other than debt, cars, insurance? I bowl every week and I just joined a bowling league. Well, that's in the T.P. Fund. Okay. That says all the extra shit. Yeah, I mean, you guys have wiggle room. Oh, wait. I got to add your debt of, what was it?

Starting point is 01:29:19 1,3, 82, 67. You still have wiggle room, but it's a lot tighter now. Okay. basically 600 to survive a round, which gives you 400 left. That allows us to start grinding away the debt, which you

Starting point is 01:29:35 I mean, yeah, I would pay off the lawyer. That'll take a few months. Well, I have 10,000 in my savings account right now. Actually, that's right. We have to get to that. Okay, so exactly, with this money left over, how the fuck are we getting in two months to pay for that 28? Or not?

Starting point is 01:29:53 And then your monthly budget it does break when you have to spread it across 12. Well, the plan was, is because I graduate next week, is this national certification just came up about me being able to do. So our plan was, I don't know if I'm going to go for that national certification or just go straight to working and her working also. Go straight to work.

Starting point is 01:30:13 And then that will make it to where. I don't know if that allows you to catch up and. Like the one month because your pays delayed and you still have to, do you have a job lined up? I have two potential jobs. Yeah. Potential jobs. small.

Starting point is 01:30:26 Yeah, they won't give it to them until they won't know. I know. Let's see how that lands, but still pays delayed. Yeah. It might be forced to stretch it over three months, but you with your income, with this combined, we'll be able to make that work. Yeah. And then after that, we start chipping away.

Starting point is 01:30:41 Yes. And that chipping away goes lawyer in your car, then his car. Okay. And then get a fully funded emergency fund. And then you guys have to live 50, 30, 20. Try to live. You'd be able to live in your house at that point. Get rid of your apartment.

Starting point is 01:30:53 50% of needs, which you can. and due with your combined household income, which, yes, you'll have to do that for a bit. Yeah. That's just the reality. So you want to get rid of my truck first since one, it's a higher payment, and two, it's a higher interest rate? No, because you guys are behaviorally.

Starting point is 01:31:07 So you need to just put all your effort into the lowest balance so you can pay it off quicker. Okay. What about like the medical and stuff? No, yeah, save that for the end. Okay. I'd get them on a payment plan if you can unless they're about to go to collections. If they're going to go to collections, I'd get them on a payment plan.

Starting point is 01:31:24 Okay. So we do that, then 50, 30, 20%, 50% on needs, 30% on wants, 20% on investing because you have time on your side and I mean, you're not horribly old, so 20% can work. And then I'll get you guys to a decent retirement because you have failed at everything

Starting point is 01:31:38 and you have a little bit, but you need to catch up. So that's what I would do. I think that's a couple of your process because your income is about the skyrocket. And then you might be able to stay at home mom. Do you have to pay off debt first? Right. And you have to save up a six-month emergency fund.

Starting point is 01:31:52 Then you can move into that house And then... That's what I wanted to talk to you about, too, is that after a year of that $3,000 payment, it's going to go back down to the 228810. Great, love it. So can we just leave the people in there and make an extra $700 off of them?

Starting point is 01:32:07 No, you guys shouldn't be landlords. Why? Why that extra stress and an extra almost full-time job? No, no, you don't. Stop. You guys are stupid. Invest in the stock market. You're not landlords.

Starting point is 01:32:19 Shut up. Isn't the stock market also a little bit more difficult to invest in? Nope. You have to sit there and follow it more. No, buy an index fund. You let it sit until you're retired. How do you do that? Like, is there like an app?

Starting point is 01:32:31 We will deal with that conversation in two years. You're not there yet. Okay. Guys, you don't be landlords. If investing's too hard, buying and sitting on an index fund, you're not managing real estate. Okay. Can you see what kind of account this is in?

Starting point is 01:32:42 In the post show. We manage ours perfectly fun we have right now. What kind of account it is. It's in an IRA. Yeah, it's in a traditional IRA. That means to stupid because you should be in a Roth IRA anyway. So shut up. up.

Starting point is 01:32:52 We'll deal with it in a couple of years. You're not there. You're not there. Manage our. Okay. Hey, shut up! Well, that's already in there. Should I move?

Starting point is 01:32:58 Shut up! Hey, say, we're going to the post show. And, well, there's a lot. The reality is, she forced him to take a paternity test the moment the birth happened. We're going to go into that and why that's the thing. It's going to be a mess.

Starting point is 01:33:16 Hammer financial score, spending in a budget. You overspent zero out of ten. How did I overspent? Okay, let's see. I didn't spend over the $8,000, whatever. Because you spent $9,168 in total income was $4,664. Go f*** yourself. Because that's what came in.

Starting point is 01:33:36 My income is $6,000. I don't care. That's all that came in. That's a little. Oh my gosh. Yeah, you look at it. You and your magic eyes. Shut the fuck up.

Starting point is 01:33:44 Debt, you have collections. You're out of 10 emergency fun. I'm glad, yeah, I mean, you're close. It's going to have to go to the debt, but it's going to be about a seven out of time for that. Oh, that's because you don't have to have. my savings account in there. All the money goes there. Oh, because you didn't give us the shit.

Starting point is 01:33:58 Yes, I did. Money goes into the savings. No, you didn't. They're saying no. I would have it here. Shut up. You suck at everything. Whatever.

Starting point is 01:34:13 Just give us a zero. You are the worst. No, because you have a seven out of ten on an emergency fund. Your retirement score, it's, yeah, it's, well, I mean, for 21, I'll give you two out of ten. Maybe three out of ten. Real estate. We have a house, but it's underwater. Do you ever shut up?

Starting point is 01:34:28 Actually, mute her mic. She is, you're seriously, I'm going to film the post show and then I'm going to walk away and never talk to you in my life again, and it's going to be the best thing I've ever done. You are horrible at existing. Real estate score.

Starting point is 01:34:43 Yeah, at least you're in the market. And yeah, they're paying for it, but, okay, five out of ten. You're under value. Interest rate's not the best. And you can't even fomestead because you're literally too. Use the internet.

Starting point is 01:34:58 Three out of ten, join us in the post show where I have to sit across from this obnoxious for another 20 minutes because that's the job I decided to do. See you there. Saturday.

Starting point is 01:35:08 She goes, she comes in. You're not ready to try yet. I'll keep testing the waters until you figure it out until I get fed up. I was like, what do you mean? I told you another thing I didn't trust you with

Starting point is 01:35:19 after the... Cheating? Cheating. That's a note. No, it wasn't. You didn't tell me that. I just launched the brand new Hammer Elite app available on every major platform.

Starting point is 01:35:33 So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join,

Starting point is 01:35:53 and that's a promise. I want you to be on the next episode of Financial Audit right here in Austin, Texas. I think you have interesting finances with an interesting personality or a story or a life or relationship. I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to Calebhammer.com slash apply or click that link in the description below.

Financial Audit - Groomer EXPOSED On Financial Audit

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