Financial Audit - He Treats His Wife Like A Dog | Financial Audit

Episode Date: November 24, 2025

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Fit for your ambition for Citizens Bank. To watch episodes of Financial Audit a week earlier, check us out on YouTube. My wife wants a raised in her allowance. Is she a child? She gets $200 to pretty much do what she wants with. All the bills are paid. Buddy, I'm sorry. The bills are paid.

Why can't one person be okay with taking care of? finances and one person be okay. And why are you incapable of saying any of these words without him saying it for you? We talk. I mean, we, we talk. Really? Or do you talk? He has the job. So?

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I'll see you inside. Hi, I'm Shayla. I'm 25 years old. And I'm Cooper and I'm 27 years old and we're from Tyler, Texas. And this is financial audit. Taylor, Texas, right? Tyler. Tyler, oh, whoopsies.

Tyler, Texas. Okay. Well, welcome in, guys. Thanks for coming down to Austin. I really do appreciate it. I like to go into these blind with the audience. But I glanced over as you guys were, you know, doing a little intro. and the one note I saw here was,

we're on because my wife wants a raised in her allowance. Yeah. Is she a child? What the fuck? What are we talking allowance? What are we... That's just what we call it.

So... Okay. So we're a single income household. Is that you? That's me. Okay. I work. What do you do?

I'm a lineman. build power lines. That makes money. Yes. I've had many people on the show that do that and it makes money. How much do you make? So, I just got fired from a job. A job? Are they contract-based? No, no, no, no, no. They're dubby-too. So you got fired

from your job? Yeah, so I got fired from my job. Fired? Not laid off? No, no, fired. So moral of the story is how the lineman industry works is if you mess up, it's over. Like, there's no second chances.

Well, yes, that seems like a very dangerous place to mess up. So it's one of those things where it wasn't technically me who messed up, but it was my crew that messed up. Was the entire crew fired? Yes. The entire crew was fired. The entire crew was fired. Yes.

Probably because they couldn't pinpoint. Nope. Because of one flaw? From one fault. Based on what I just got typed, sounds like three flaws. Well, yeah, we, it was three houses. Technically, three houses that? Three houses that got blown up.

Uh-huh. Uh-huh. So, yeah. Pretty much how it works is we had a two, I know this can be Chinese, but we had a two pop bank. We were Chinese. Yes, yeah, this can't say-bun. You don't do it. So you're not going to 100% understand what I'm telling you.

Okay. So you take, we have two transformers and we've got to hook them together. Uh-huh. All right. So. So you have quadplex, which is four wires. That's quad. Yep.

That's quad. Four. So far, not so Mandarin. Okay. So you have to tape all those, you have to tape them by each color. So red, white, blue. Now red, white, and blue is complicated. I almost didn't get that one.

Yeah. Yeah. So red, red, white, blue. So then you cut them. and fill them back, take transformers down to put them back up. Well, that's all easy. That's the easy part. Well, what they didn't tell us was we were taking a two-bushing transformer

and changing it to a one-bushing transformer. But when you do that, your polarity's off. You've got to change all that stuff. Why didn't they tell you? Wouldn't the person get fired who didn't tell you? No. No, it doesn't work that way. Okay.

Now, does this make it hard for you to find another job since you blew up three houses? No, no, no, no. Oh, good. No. Well, that makes me feel really good, right? I see people working on the lines. No, no. Great.

So how it worked out was the three houses got blown up. The foreman got fired, the lineman got fired, and the rest of the crew got fired because it falls on the foreman. Uh-huh. Because it's the foreman's fault. Foreman's fault it happened anyways. Well, was he the one who was supposed to communicate? Yes. Oh, so the person who didn't communicate did get fired.

Yes, everybody got fired. Oh, good. Okay. Yeah, everybody got fired. So what should have happened, what should have happened is when we swap those pots, you got to swap the H-bushings. Well, that did not happen. Okay. And what should have happened is we should have pulled all the meters to the houses, cut it on, check voltage.

That's what should have happened. Why didn't it? Because my foreman did not want to do that. Didn't want to? Did you guys want to? And you're like, hello, Mr. Foreman, please. I was trying to convince him to say, hey, we probably need to check voltage before we do all this. And they, like, actually, like, didn't like...

Oh, yeah, no, a fan was sparking. All the electrical. Yeah, light bulbs were... It didn't, like, blow up in flames. Like, like... Light bulbs were blowing up. Oh, yeah. Just electrical.

Oh, just everything inside the house was exploding. Oh, yeah. Uh, we found out the next day that a house was full of smoke because of their dryer. Was anyone living there? Oh, yeah. Okay. So, after that... So I went and met with my boss's boss.

Oh, he sounds like Hank Hale, doesn't it? Oh, now I can't. I met with my boss's boss. And pretty much he said, hey, this is the story we're getting told. We're told that nothing was taped up, blah, blah, blah, blah, blah. So me and him got into it a little bit because I was like, dude, if you go out there right now, you'll see red, white, blue, tape on everything. I said, but I didn't put it back together.

which is another reason me and my former got into it. I took it down. I taped everything up. He put it back up. How long were you working this at this job? How long was I here at this company? Yeah, that company. Two months?

Yeah. Three months. What was before that? So I worked at Shelton before that, and I worked there for two or three months. And what happened? I drug up there to go to a blind tech because they paid more. Okay. And then he got canned.

And then I got canned. And then I was fired on a third. Thursday, and I had a job on Monday. Well, that's good. I mean, yeah, obviously the industry is in very high demand. That's why the pay with it is so substantial. Yes. You know, so it makes sense. I'm a little concerned that it is a mandatory firing when something goes wrong,

but you can easily immediately get a job? Yes. Seems weird to me, especially when people were living in these houses. So, um... Everything got paid for. Everything got replaced. Yeah, I'm sure there's insurance. Yeah. No, no, no, no.

Our company paid out of pocket. to fix all their stuff. You don't think your company has insurance for things going wrong on the job? Oh, well, I imagine they probably do, yeah. Well, okay, what were you making at this job? I was making 48 an hour and $150 a day per dim. Okay, and now? Now I make $46 an hour and zero per day.

How does that translate? What hits per paycheck and what's that paycheck? Get paid over two weeks, and that's roughly $3,000. Okay, $6,000 a month. What was it before with the pre-dium and everything included? 13, 12 or 13,000, I think. I think. Good.

We were making like 20, 200 to 2300 a week. So, income cut in half and you're asking for a raise for fun money or something? Yeah. Yeah. Tell me about that, please. Income just got cut in half. Well, not so much anymore. I'm not asking for a raise.

So you were right before? Well, yeah. What happened? He was making more money. And you were like, money, please. Money for me, money in my hand. Yeah. Why is it a set amount that she's getting?

How was this dynamic in the house? So this dynamic has been... So before he was at the two companies that he just was at, he was where he's at now. So he started the year where he's at the company he's at now. We don't want to say the company. No, don't say the name. It's fine.

The company that I'm at now, I've worked for a year and a half. Well, that's great, but what's y'all's dynamic with money? Okay, so when we got together, I was a peon at a company, doing the same thing I do now. So we were making no money. Okay. So kind of like where we are now, I've worked my way up into a better position making more money.

The number's always been the same. What numbers? $200. She gets $200 a week. That's it. And nothing. like, are there extra things that are done? So far as groceries, all that and stuff, I cover all that.

Oh, okay. I cover all the bills and she gets $200 to pretty much do what she wants with. Are you guys married? Yes. How long? This year will be three years. Yeah, coming in 20206. Yeah, 26 will be three years.

What are conversations around money? Are there? No. Do you know what's happening? So, do you want to know what's happening? Why? Isn't an apartment? important to be partners?

So this is my philosophy. All the bills are paid. Everything's taken care of. Buddy, I'm sorry. The bills are paid. I guess, you know, basically, you know, when people don't say the bills are paid, they actually aren't usually the ones that have missed payments.

And then people that say the bills are paid are usually the ones that are missed payments. We'll see if you follow the trend. But this is crazy. This is crazy. This qualifies in the fat stack week that we've done twice now. This is legitimately crazy. So go ahead with your philosophy, please.

She's never had to worry about anything. Are you worrying now? No. No? How? How are you not worrying? This is the roof over your head. This is utilities.

This is food on the table. This is your future. This is retirement. Bills are paid. Bills are paid with debt going up. Oh, we need to add an income to that. How? I work from my dad on Fridays.

I work Monday through Thursday and I work for my dad on Fridays. What is that job? Ranch Ham. What do you make? Like $203 a week. That's after taxes. 203 a week of the Texas? 10. 52 divided by 12.

Okay, so an extra 880. So 6,880? Yeah, that sounds more. Okay. That's your new monthly income. That's great. But I'm confused why we, again, the philosophy of... Ever since we've been together,

even when she had a job before we had kids, still, I've always taken care of everything. Well, that's good. Why don't you want a helping hand? It's not that I don't want a helping hand. She has full access to everything. If she wants to know, she's on every bank account. She can look.

Why don't you want to know? What's your philosophy then around all this? He just takes care of everything. Good. I'm talking about why you don't want to participate or be knowledgeable. I don't. That stresses you up, but this doesn't. Because this isn't, this is, no, no, no, you have to remember, I film four of these a week.

I feel like when you look at the total number, it doesn't look that bad. Very good. What's the total number? I don't know. Come on, guess. You think around where do you think we're at based on just the little insights you've picked up. Yeah, total debt number. Yeah, total debt.

Like maybe $40,000? It's $46,941, which honestly doesn't even match up with how thick this is, which means we have a ton of individual debts and a lot of chaos in here, which might be worse or better. I don't know, but I'm thinking worse with how thick it is. I mean, guys, we know what comes in.

And we were paid a little more, you know, because I think you got your previous payroll the month we're looking at. Probably. About 11 hit. He's taking cash app loans. Yeah. Yeah. You know this. I didn't know that. And that doesn't make you feel stressed.

I mean, it does. Then what the fuck are you going to do about it? I don't know. You have agency? What is agency? Are you able to advocate for yourself for you guys? Are you able to stand up and have an opinion and have a thought? Yeah.

Then what are you going to do about it? I hope he pays it off and doesn't do it again. Well, that sounds like a great hope, except I hear you guys want to buy a house in a couple weeks. So what the fuck are we talking about? This is not a place where we get a house. 11,000 came in last month Out 13,000

Or sorry Out 12,593 11 came in Spent 1,500 more than came in And we're getting a mortgage Yeah I'm concerned with your lack of

Willing to be a participant Your partner I don't need you to manage him I don't need you to tell them what to do, but to be involved. Maybe you bring a different perspective and that's, you know, in a healthy dynamic. You can have a conversation. He can bounce things off of you.

And you can't strive to achieve goals together. Maybe you can't be a single income household with the mess you guys have gotten yourselves. Maybe you can't. We do that to a certain extent. Like, if there's a big financial decision that has to be made, we talk about it. It's talked about. Okay, but she doesn't have the context of the overall situation of which we are making a decision in. No, but she doesn't want to know.

I know, and that's the issue. That's huge. But why is that an issue? Why can't one person be okay with taking care of finances and one person be okay? Because you're not. And you're not being held accountable. There's no accountability here and you're dragging her down and she's accepting it. Which I don't understand. It's self-destructive.

I feel like we both share. How? She's not willing to be a part of the counterfeit. conversation, which I guess... After you get through the statements, we kind of both self-sabotage ourselves. What do you mean? I thought she got $200 a week. She does, but she also has a firm's and I have a firm.

Why are you going into debt if you're getting $200 a week? I don't know, because you can buy more. I know, but you know you're getting $200 a week. Yeah, I manage my $200 a week. And sometimes... Do you if you're going into debt? Yeah. Well, sometimes on those affirms, too, it's like, well, her credit was better than mine at the

time. So like the betties we got for our bed. Okay. That we had to have. Okay. So I pay that payment. It's on her a firm, but I pay it. So she'll say, hey, the betties is due this week and I'll send her the extra $50. You'll have to look it up. A week. Yeah, you'll have to look it up. It's the best thing ever.

It's betting. Uh-huh. Okay. That's great. Well, we're trying to get a house. Now, Taylor, it's pretty cheap. I have the house you're considering buying. It's not that expensive at all. But are you guys in a position where we can even consider getting a house? I don't know if I would suggest so. It's like you're only getting worse than debt.

Okay, $200 a week is what you're getting. What were you trying to... The only advocacy you've ever done for yourself is asking for more instead of knowing what the total of the financial situation was of what you're trying to withdraw from. But what were you trying to raise it to from $200? Like $300 a week. Okay.

Not much more. And what were you going to do with that? What was the difference? Well, you guys are trying to get. And again, when we're doing the finances together, that means we have aligned goals that we're trying to get to. And we do everything we can together to get there. And that means making the purchasing decisions in our lives based on those goals.

And you raising to 300 might not. Might not be beneficial. So that's why you should know what. you are. No? Now, I mean, the reason it's so cheap is it's a manufactured home. Oh, for sure. And why are we doing that? A depreciating asset is not really what I'm trying to get into. I know, I think your mom gifted you an acre, right? Yes. Okay, well, that's good. So, that's appreciating. Now, with a brick and, uh, an actual physical home. So, I could go out more, but. We were talking about doing a, uh, a barnuminium first. I don't even,

Dude, you're just throwing words. You don't know what a Barnumanium is? I live in society. It's a society place. It's a house. It's a metal building. It's essentially built from a sheet metal and red iron. I live in human houses, but...

Well, that is a human house. That's like the big trend. The big trend. Okay. I mean, it's called Barn, but... So we were going to do that. But with me changing direction, direction and career.

And her going into the field of what she wants to go into. So you're going to go into a field. She's finally going to do something. She's studying for paralegal. She's studying to be a paralegal. Okay. And what does that look like? Like when do I graduate?

Yeah. When are you done? What are you doing? I'll have my associates in May of 26. Okay. And this is what you want to do? Paralegal. I can see, I listen, it's full speculation.

No one can guess what the horizon looks like when it comes to AI, I feel like paralegal has to be one of the first ones to go. For what? Paralegal. Like to get rid of paralegals? Yeah, because this is going through documents all day. Yeah. If AI can do literally one thing, it's at least that.

Yeah. And then I'm trying to get out of my field to go into project management. Well, why? I'm 27 and my body hurts. Ah, yeah, it is very physical, but what kind of project management? Either construction project management or I kind of want to stay in the field I'm in. and I can work for the same companies I work for now as a project manager, just running jobs.

Now, I still don't understand why we're trying to get a manufacturer at home, something we know goes down to value. Because we don't know where we want to be in. Then don't buy. Well, it's cheaper for us to buy. No, no, temporarily. Temporarily. Well, yeah, but we can always sell it.

You don't know long term. Yes, depreciating. And I know you wouldn't sell an apartment, but even still long term, you don't know what repairs are going to come with it, you know, getting everything hooked up utility-wise and whatnot. Oh, no, I'm probably... The only thing we have to pay for on that

is for them to run the wire from their pole to my pole and I do everything else. Well, it's 120,000-hour manufacturer at home. How is that more... How's that cheaper than rent? You're talking... You're talking monthly payment.

Yes. We pay $1,600 a month in rent in a... You don't need to, right? Where we're at. There's not much cheaper. Yeah, there's not much to choose from. Okay.

Now, anytime anyone's ever said, that I look it up and yes there is. And you can probably find cheap. We looked at cheaper. I think it was 1,200 and it was a rat's nest. Mm-hmm. And I'm not going to put my kids in the house. No, I wouldn't say that.

Oh, you have a kid. We have two. Whoa. What are the ages? Four and it's going to be two next week. And we'll put them in a manufactured home. Yes. They're not bad.

I mean, manufactured homes have come a long way. They have. This is usually where they are, aren't the best areas. But I know you're on your own land of the nacre. It's our first home. We're not trying to do anything crazy because like I said. Yeah, but you're locked into a large loan where a rent is not a large loan. I know, but.

You suggest that this gives you flexibility when you don't know what you want to do in the future when this actually locks you in more. Well, it gives us flexibility in the means of we can sell that home. Even if we sell it. But then you owe the rest of a debt. Well, say we plan on living in it for eight years, eight nine years. Sure. Figure out where we're.

we're out in eight, nine years. With kids, walking around and... Yeah, I know. Uh-huh. Sell the house and then we can go find something else. Yes, but you still owe the rest of the debt and you're going to sell it likely at a loss. We could rent it out, I'm sure. Yeah, we could probably run it out.

Yeah, we'll see what the rent-the-market is looking like in that. I don't know about if you guys are following market trends in Texas, but rent is down in Texas and Florida because we actually build it. That's not the thing on. That's not what I'm relying on. so much land. The build. We will build. We're gonna build at some point. That's not what I'm saying. Look,

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That's not what I'm saying. I just wouldn't rely. You guys are locking yourself in. I don't understand why. Rank gives you flexibility. It's a little more expensive up front, but it's going to be saved more in the long term. And it's going to give you more flexibility,

which I think is more, honestly, worth it at this point. The other reason we're doing that is we have two boys. These boys have to have somewhere to roam. Our oldest has a four-wheeler. I do like that idea. So our oldest has a four-wheeler. They have 30. So we'd be moving.

But are we getting into a debt just for that when we don't know where we want to end up? I guess technically. Why does she gift you that acre? We've been talking about this acre for like a year. They're like, we'll give it to you. And we're like, okay, we'll build a Barnuminium. And then it just kept going back and forth, back and forth. And then me and her just decided one day that we're ready to do this.

Like, why did she have a random acre? No, they have 33 acres. Also, they just gave you one out. Yes. Yeah. So we. We chose what. They're trying to help.

us out in the market that we're living in. And with one income, it's kind of hard to go, unless I'm working my butt off like I was at Line Tech, not getting home until 9 o'clock every night. It's kind of hard to go buy a nice house. Okay, what are you going to have to put down for this? 120. No, for, so it's a land package.

We have to have a well-drilled. So they're putting that into the loan. So we're going to use the land as collateral. Why? That's the only way they'll do it. The only way? They won't allow down payment. They will not.

If we do the well. Yeah. If we do the well through them. What's the well costing? 25,000. Dude, you made, as far as I can tell, $180,000 last year. And I'm not really seeing anything to show for it. I'm really not.

And yet we're trying to get into a depreciating asset. I appreciate the one acre. Is that you have the deed of the one acre? Is this all official? that is good. If it wasn't attached to the acres I already had, I'd say just sell it in pocket and move on. That was one stipulation between me and my parents.

It's fair. It's attached to theirs. I mean, I wouldn't sell it anyway now, now that I know that. Okay. Now, how are we affording to go through school? Fastfa. That makes no sense, though.

You made so much money last year. Fastfa, and then we're... She has some loans. You live in a chief town doing making incredible money with a rent you can easily afford. now your income has gone down. Cashful school easily should be investing. Your investing should be absolutely crazy right now.

It's not. Listen, here's what I got. Here's my total savings. I see cash half one, $3.82 cents. Cash F2. $2.67. B-O-A, Bank of America. $140. $140.000.

But you made so much money for years. There's nothing to show for it. And we could have been cash flow in school. Instead, now we're just having more debt, more risk over our head. And we're going to get into a depreciating asset. This makes no sense. I've been making, I think I made the year before that $200,000, and we have nothing to show for it?

Yes. Why you think we're here? Well, then listen to me. I wouldn't get a depreciating asset. Hold on to the acre. That's fine. It'll continue to appreciate. Rent, keep the flexibility.

Once you know exactly what you want to do, if you want to build on that property, if you want to move to another city, who even knows. Once we're more settled down, she's in her career filled, then let's make a more permanent decision. Keep the flexibility of rent. Don't get this collection.

loan on our acre that you got gifted. What's the acre worth? What's it valued at? Like 25,000? So it's 100% being taken as collateral. Yes. Do not do this. Do not do this. Dude, what are we doing?

No, no, no, no, no. No, no, no. Because you can get a home builder's loan at some point. If you want to build on that lot, you really can. And we've thought about it. Let's think about that in a couple of years. Look where we are. we're f fpped.

And I got to start getting in these documents, so we'll be here for the rest of the day. There's a home in your town to rent for 927 we found. But what does it look like? I don't know, but it's just like the flexibility that, like, I mean, we immediately just found that like that, right? Like, it ranges all over the place. It ranges all over the place.

You guys are certainly above, it appears to be the median in the area. Like, you don't need to be doing what you're doing. where we feel safe. Okay. It's Taylor, Fri-Texas. Listen.

That's not the greatest place in the world in some parts. It's Taylor, Texas. I know if you see someone slightly more tan than her, you start drawing your gun. It's not that dangerous.

Like, I don't know. Tyler, Tyler, not Taylor. Taylor's the one close to Austin. Yeah. But still. Okay, let's start getting into this. Listen, and again,

your entire philosophy is just wrong. I need you to participate. I'm not saying make decisions, but you need to be informed. When we're, you need to have shared goals. Retirement should be one of them. Home ownership can be one of them. And you have to make the decisions you are doing, the spending you're doing, the debt you are getting, the allowance you're getting, which we shouldn't even be doing.

I don't even know. We'd have a combined account where we're allocating certain money to different things. Where do we get together? But we are. Kind of. She's not. She's forbidding. Big stuff.

Motorcycle, for instance. Yes, you talk to her about, but she doesn't know the entirety of the picture to make an informed decision or have an informed opinion on that question. Yeah, but she doesn't need to as long as everything. She does, because if you guys have aligned goals, then she could be like, hmm, does this interfere with the aligned goal that we have based on the entirety of our current financial situation? Yes or no. Oh, she doesn't know this? She can't answer that. She doesn't even know what the goals are.

What not would be her answer? Because how could she be informed? And this is more on you than him anyway. because you're just not doing it. You're just being lazy. I'm going to go three, two, one point. On point, I want you guys together to give me what you think your household.

Financial score would be zero to ten, zero being the absolute worst, ten being the absolute best, okay? Okay. Same time. Three, two, one, two. Zero. Okay.

She thinks you're, why do you think she thinks you guys are doing a little better? Because the bills are paid Everything's kind of taking care of. We've... Our water still turns on. We still have lights. Our phones still work.

That shouldn't be a brag when we brought in $160,000 last year. That's what we're holding on is like we're doing well. Well, no, we're doing terrible because we should have at least $100,000 in a savings account with as much as we make. Yeah, just about... To be on track of retirement, I'd say, well, with where you... you guys are today about 80 to 90,000. Money think we're at a zero. I know. I probably agree.

If you want your Hammer financial score, make sure you take the assessment for free at Calebhammer.com. See where you're staying in the world of finances, where you're doing horrible, where you need to improve, and what you need to do to do it. And if you don't want to be like a guest

who ends up on the show, make sure you download my preferred budgeting app, the dollar-wise budget app, new features added every single month. It's incredible. Tens of thousands of people are subscribers and they are changing their lives and you can too at dollarwise.

app, take your free trial. And if you like it, sign up for the annual version. When you do, I will send my budget-friendly cookbook to you signed by me. And it also saves you a lot of money when you go annual as well. But go get your free trial at DollarWise Data app. Let's get into these finances because we'll be here for a little bit. I have the feeling. This looks like a firm to me.

Who's a firm? I think that's mine. I say both of us have one in there. I said both of us have affirms Yeah Okay, so here's a firm Why are we affirming Walmart at your income? Why are we affirming Amazon at your income?

The Amazon was her computer for school Hers? Why couldn't you cash for that? Because we didn't have the cash at the exact time. I don't remember. Okay, and Walmart? Walmart, yeah, it's a grill. Huh?

It's a grill. It's a pit boss. Okay. Did you not have a grill? Yes. Yes. But I didn't have a different. It was different.

Grill. Uh-huh. It was great. The griddle girl. Critical when we have no retirement, no savings, and we want to do things together, like get a house and retire and have a dignified life so our kids don't have to take care of us when we're older. Which you'll do, by the way. That's what you're setting them up for. delaying their lives when they're about 10 years older than you because

Mommy and Daddy never sacrificed enough to have enough for retirement. All they have is their acre with who knows what on it. Pull up your Amazon for me. I want to take a look. Take a little peek. What's on the ranch? Deer. And you take care of the deer or you kill them?

Both. You pet them? No. No. No. They're really cute. I was going to say, I was going to say, we're not. We would do a trip up there if we could pet some deer.

I mean, it's for hunting. It's for hunting. It's for hunting. Well, that's fine. That's fine, too. This is not as exciting to me. I keep getting pet deer on my shorts. Okay.

Well, this is in the cart. This isn't even purchased, but he has a knitted blazer, some kind of construction hat, some pants. I assume he has none. Tool set, I'm sure he has none. None. Socket holder. I'm sure he has none.

Bucket works in our hardware tool pouch. I'm sure he has none. I'm sure you have none of this. Just like your grill. Another tool set storage for $200. And then tool bucket trunk for $75. What the fuck? Yeah, none of that.

It hasn't been purchased. Yeah, it's in your cart being ready to be purchased. It's nice. It's a nice stuff to have, but it hasn't been purchased because I can't afford it. Uh-huh. And then on here, Magic John 2-pack iPhone. Okay, phone case, that's fine.

Men Silicon rings? He got a ton of rings? Well, yeah, I constantly break them. He goes through him a lot. And his line. Maybe get... I can't wear metal. I can't wear metal.

Oh, okay. Okay. Okay, well, I can vibe with those. The things in your cart are absolutely fucking stupid. Both of here are firm for me. Okay. So, yeah, I want to see... Okay.

So it looks like the payment, which is this monthly or biweekly? Monthly. Your minimum monthly payment for these is $56.67. Stupid, man. It's stupid. I don't know. You should not have to affirm in your situation. You really don't.

And if yours, okay. Well, let me take a little for the look at this. Yeah. If it was 0%, I'm chilling with it. Because, okay, whatever. If I've earned his money, maybe the minimum fee payment thing is stacking up and it's not that healthy. But either way, whatever. He has the income to pay for it.

If he's finessing, that's fine. No, it's a 36% interest. Hey, do you know that that is bad? Yeah. Yeah. This is why she should know what's going on. Accountability is not a bad thing. Reasonable accountability.

And that's reasonable. Would you question him if you knew this existed? I knew the firm's existed. At a 36% interest rate? I feel like that's pretty normal for a firm. Yeah. She's okay with it? She's okay.

This is, oh, okay. So she's a weapon. A weapon of war. She's not a tool. She's just going to enable you forever. She thinks everything's good and normal. No, no. What?

She's just not concerned by any of this. She just goes with it. But if you're injured, I know you can go find a job. obviously when you got fired. But what if you were injured? Then I would work from home doing something. For a lot less, most likely. Yeah, probably.

Because your skills would not immediately translate or your resume. Yeah. Listen, I'll get you that construction project management certification to course careers. I'll get you that for free. A lot of people in the audience have used it and they got into the field and they're making killings.

So I'll get you that one for free. There's a lot of trade certifications and tech certifications there. So I support the switch. You know, do this well you can. But draining our savings to go to Galveston is wild. Our kids haven't been, we haven't, we didn't take a vacation the year before last because I was gone on a storm for 158 days. And that's a big problem for me is because...

No, the big problem for you. Well, listen, I get to go to New York, Virginia. I get to go to all these places. Take them. Well, for work. No, I know, but take them because you take them to Mobile. I can't take them on work stuff. No, not during work.

I'm saying when you go on vacation, go to Fri-New York, don't get a mobile. Well, I'm... I feel bad because she sits at home and takes care of our kids. I agree, so take them somewhere nice. You went to Mobile and Galveston. We had no money at the time. That's our problem.

We get these big paychecks. You drained your savings. I wouldn't have done anything anyway. We get these huge paychecks that are $5,000 to $10,000 to $6,000. Dude, go to Six Flags. And then we go blow it. Six Flags is cheaper. For the kids, you Ted?

It's not for you. They're four and two. They're not even tall enough to ride the Ferris will. Yeah, then go to like a water park. We do, slash kingdom. We went to Greywell Lodge, too. Yeah, we went to Grave Lodge, too. Yeah, we went to Greywellge.

I mean, at least go to Kalahari. I don't even know that is. Oh. I don't know. I don't know. I wouldn't be spending on any of this, but if you're going to at least do it, Avicen, what are we doing? Kill me now.

It was pretty. The water was just, was clear. It was when we went. Yeah. for once in his life. I mean, it wasn't Hawaii, but it was way cheaper than Hawaii. See? It's usually correlated.

Yeah. By the way. So this is Eurofirm. I take it. Yes, that one is fine. Load up from me. You guys have separate Amazon's? Yes. No. Do we? What do you mean? Separate Amazon's? Separate Amazon accounts? Yeah.

Oh, yeah. Yeah. What did you say no? She's on my prime account. But different accounts. All right. Well, let's see your firm, $1,552. $21. Looks like your minimum is...

Oh, fuck. These payments are insane. We got Target, the buckle, Amazon, Amazon, dive bomb industries. Betty's Ticketmaster at Airbnb! What are we doing? What are we doing?

Got laid off. He got fired. What are we doing? What is this even an option? Dive bomb was Christmas. Yeah, it was this Christmas present. Fuck. This has been going since Christmas, all of these are 36% interest, of death, of insanity, of shit?

Oh, come on, yes, they are. No way. No way you're zero percent financed. I wouldn't believe this for a single fucking second. Would you? No. Uh-huh. Now why do you say that?

Why do I not believe that? because that means she would have to pay more than $50 on each one. Off the rip. These aren't the payments. How do I get the payment? This is complicated to kind of, whatever, I'm going to guess it's like $200 a month. It's $266. Oh, $266.

So you actually know that. You confuse me. What did we get a target? I don't remember. Yeah, back in January. No, wait. July Buckle

Some clothing Amazon Amazon Betties That's her bed Is our bed Bedding Yeah our bed Not our bed

Ticket Master That's Matt Matthews Yeah Matt Matthews That's a trip For her and her mom Okay I don't think I know Matthews Matthew Matthews

Matt Matthews Gay comedian Do we Do we know him He's a gay comedian We are big comedy heads here I had to Google him when I saw his face. I was like, oh, that guy.

He got big off TikTok. He's a big off TikTok guy. Okay. He's hilarious. It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting at $179, like the next grill 3-burner gas grill.

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Balloons? Plastic silverware. Toys, toys, toys, toys, toys, toys, toys, toys, piggy banks, toys, toys, toys, watch bands. Make everyone think you got a golden watch when you absolutely do not. Kids birthday. Yeah, we're doing a toy story birthday party. Great. How about you give them,

happy birthday. You're not going to have to delay your entire lives when we're retired because they did not consent to come into this world. You chose to bring them in and you're f*** them over. Endless birthday. Endless. Spider-Man. Posters. Poster frames. Oh, you are the whitest moment I've ever

met in my life. She has one of these. Life is like the bathroom. Sometimes everything comes out okay and sometimes you have to push it through in that cottage core looking bowl. It's for our little boys' bathroom. Oh, I'm sure.

You are the most white woman I've ever witnessed in person. That's wild. I didn't think people actually bought that at home. But you didn't even do that. You got it on Amazon, even worse. Dude, you get sloff constantly. You just get bullshit. This is all just plastic bullshit.

Just getting endless plastic bullshit every day of your life. She's at home shopping all day on Amazon. That's all she's doing. Is that your hobby? that in spray tans? Yep. Hmm. And how do you feel about that, big guy?

Well, it's for our kid's birthday for the most part. No, dude. I went a full month in there and it was just that, that, that, that. She's an organizing freak, too. She likes everything organized. So, plastic totes, all that kind of stuff. She uses. She does.

Dude, it was like endless decor, endless bullshit. It was all just stupid. Well, I told her from the start when we got married, the house is yours. You do what you want with it. Sure. Within... budget.

She does. She gets $200. She shouldn't. You do what you want with it. You can't afford that. You can't afford $200. We've been making it work for the last five years.

No, no. You have $0 to saving $0 in retirement. You guys have tens of thousands of dollars that you're saying that's making a work. Is that what is the outcome of making a work? The outcome of everything's paid. You also have a shopping addiction on whatnot? I don't even know what the fuck that is. Oh, you do? Yeah.

And you blame your dad for getting an issue. to it, I guess. What the fuck is that? I don't even know this. I buy football cards. Football cards? I've heard of baseball cards. It's kind of like baseball cards. I've heard of Yu-Gi-O cards. Yep.

What the fuck are you talking about? I got a lot of high-end football cards that are worth lots of money. Very good. What could you sell your collection for? I don't know. It hasn't come in yet. This addiction just started. How much have you spent on this?

These high-end football cards. 100 bucks Doesn't sound very high end to me How many are you getting for 150? It's more like a gamble You don't know what you're going to get Do you buy a team and hope for the best? How many?

How many? How are you get? Oh, I don't know. A lot. Dude, then how can you even say You're making a return on your best? You don't know what you're getting? Well, I know one card. How many? One card's worth 175.

I know for a fact. You don't even know what you got, though. But I know that card for a fact. How? Because I've already looked it up. The guy sent me pictures of it and everything. Oh, good luck. Good luck, guy.

It's graded and everything. Good luck, guy. So apparently my phone bill was higher than my grocery bill last month, and that is just ridiculous. But that is why I switched to Helium Mobile, today's sponsor, and honestly, it is refreshing to see a phone plan that isn't stuck in 2008. They've got a zero plan that cost you, you guessed it, zero. No contract, no credit check, no hidden fees, just a free phone plan that actually works. And now, they've rolled out kids' plans, too, starting at just five.

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$3.82 in it. Don't know if that's hers or mine. 5,000 came in, 5,000 went out. Probably mine. That's it. Oh, good. We're going to get a water burger. McDonald's, Starbucks.

Waterpark, Apple Bill, Taco Bell, snow bunnies. Winning Walmart, that might be okay. I don't know. Are you the grocery shopping? Yes. What do you,

doing all day? Well, we go together. Kids. Uh-huh. Mothers with kids also usually grocery shop. We go together. I don't like going to Walmart by myself.

Well, don't go to Walmart. No one likes going to Walmart. That's all we have. I thought you wanted to stay safe. We have that in Brookshers. I don't know what the thing you just called me. It's like H.E.B. Or like Kroker or

R.H.E.B. Okay. I would rather go there than Walmart. I mean, I thought you, again, you're trying to stay safe anyway. It's more expensive. They don't have as much as Walmart. They don't have all the knick-knacks she likes to look at. Well, you don't get to look at knick-knacks.

And if you don't go to Walmart, you get to avoid the other ones that start with an end that you don't like. Why are we making me out to not like? I never said that. I never said I didn't like those people. I work with those kind of people. What do you mean by that? Well, they're not kind of people. They're just, yeah.

They're not people. Are you saying they're three? Are you saying their three-fests of people? They're people. They're people. Hmm. You're making a... Can you call Tyler in?

We're not scared of my people. We talked about going to Walmart, and he called you those people. No. He did. Way back. I never said I didn't like those people. I work with those kind of people He called you those people

Who's those people? He's trying to put me as a racist And that's far from what I am I don't call Tyler those people I love Tyler Okay I did say that I said those people But that's not what I meant by that

And I don't I don't avoid Walmart by myself Because of Not because of color Because men like to kidnap women and children by themselves. What kind? Arabians.

I mean, anybody. Arabians. I don't know. Arabians of all people. I don't know. You know, like, the statistic for trafficking is white people, right? Okay, well, there you go. Can't even trust my own color.

You're making it sound so much worth. What is those people? What are we talking about? What are we talking about? Who's those people? So he brought up the people with the inn. Don't say what I said. No, I didn't say anything.

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She gets knick-knacks, and I said he avoids another kind of event at Walmart. Oh, okay, okay. You said you do? No, I don't. Yeah, he said those people. I said those people. Like, you can't say, yeah, people, because then you don't know what you're talking about. Humans. Tyler is a human.

Tyler is a human. Okay, I appreciate. Tyler is as much a human as you and me and even Arabians. Yeah, thank you. You seem fun. Oh, thank you. I appreciate that.

I appreciate that. Saying he's one of the good ones? Dude, you are a mess. You are a mess. Those people are crazy. Those people are crazy. Thank you, Tyler. I appreciate you.

As always. Back in his room. No. Why? For Southside food. supply for $10 feed. Feed. Probably gas.

$10 dollars. $10 a gas. Okay. Starbucks. McDonald's, Travel Plaza. More Walmart. Those people. And Dairy Queen and

Dollar General. Probably milk. Yeah, we have a Dollar General right down the road. So that's where we get like milk and stuff. Dairy Queen, Sonic. Buddy, it's so much bull.

Chipotle. What are we doing? You're dying in debt. Can't achieve any of the goals. you guys want to achieve. We'll make it so much money than getting fired and then having half the income

and then spending our entire emergency fun on Gavleston. What the fuck? Why are we... When you need to build up your team to handle the growing chaos at work, use Indeed sponsor jobs. It gives your job post the boost

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will get a $75-sponsored job credit at Indeed.com. slash podcast. That's Indeed.com slash podcast. Terms and conditions apply. Need a hiring hero? This is a job for Indeed sponsored jobs. Spending on all this bullshit. There's some more Walmart. I don't know. I don't think that was milk that time. It was so cheap. It looks like. Did you do go in and get energy drinks or anything? No. I stopped drinking energy drinks a while back. Why? I don't know. I just stopped. If it's a price thing, here, take this. You can make this yourself. This is free samples. Now, they're very But these are the best tasting things.

So that's gamer subs. It's like you go to Starbucks endlessly. Stupid. Make your coffee at home. Be a big boy. Now make your energy drinks at home. It's 25 cents a serving. It's so stupid.

It doesn't taste the same. Well, then get the Starbucks beans, which by the way are horrendous. And Starbucks is horrendous. So it shouldn't taste the same. It should be objectively better in every way whatsoever unless you're getting some f***-ass beans.

Even if it's Starbucks purchases online, it's probably going to buy coffee for her at home. Well, it's stupid. We're only making coffee at home and we're only making energy drinks at home. Get the free samples link in the description below for those. There are 25 cents of servings once you decide what flavor you like.

For 10% off, by the way, using that link as well. It's so stupid, guys. Have energy drinks, coffee at home. No more Starbucks. No more stopping. And it's a bullshit. Waterburger. Starbucks. Subway. Dude, you just got all the chains. You don't even go anywhere interesting.

You're just chain. You're a chain addict. That's all we have. That's all we have. I'm sure. There's locals. I am sure. Tyler has some,

has a couple mom, pa. They do here and there. The fuck off. Dude, you're going to Subway. Great cookies. That's convenient. Great cookies we learned in our Hammer Elite show

Fat and Fatter. But horrible everything else. Stop, it's horrible. Horrible. And you're barring from Cash to maintain all this bullshit. Travel Plaza.

Oh, okay, there we go. You got a pizza place that's a little more local. Travel Plaza, Waterburger, Brookshires. Surveying Associate. Hearns Surveying Associate for $920. Yeah, that was for our survey for our acre. Oh, okay. We're already spending so much on it.

Tea market, meat market. Piggily Wiggly. That's a grocery store. That you got a $5 thing at. Probably. Oh, that's when I went and bought jalapinas. Waterburger, famous footwear journeys. I didn't know people actually went there.

Yeah, that's where I get my vans. Cowboy Headquarters, Waterburger, Waterburger. This is insane. And you're borrowing 650 from Cash App over and over and over again to sustain this. To sustain going to Subway again. Dunkin' Onus Baskin Robbins. Wendy's. Went inside some 7-Lum.

Got some bull-dut. Pallus. Sounds great. Taco Bell. McDonald's, Waterburger, sliced pizza. Taco Bell. You made $180,000 last year, and you were revolving $650 cash app loan endlessly.

To maintain this bullshit. This is unacceptable. And I know I'm unfortunately going to be disappointed in this answer, but what is your thought on this? I didn't know about the borrowing. Wait, really? And now what do you think? In order to maintain this bullshit,

which continues to be Andy's Frozen Custer, by the way, PlayStation Network, Winning got some bullshit. Apple Bill? Winning got some bull. Starbucks, Chick-fil-A-Talk-about Apple? Winning got some balls? Dude, he purchases approximately 50 times a day.

This is insane. Yeah, what's your thoughts on this now? McDonald's, McDonald's, Winning got some bulls. What's your thoughts? Because this is f***ed. She's with me on 90% of those purchases. Yeah, what's your thoughts? I want to hear from her.

Purchasing that, $6.50. I didn't know about the borrowing. Barrowing, yeah. Give me your thoughts. on it. You heard it now for the first time? What do you think? I don't know. Oh, come on. You have to have something. Do you have no feelings or emotions inside of you? Do you have no opinions? You need to have something here. I'm concerned that you're way too passive in life. And you're just going to let him steamroll your entire house into the ditch. Wow.

That's it. I don't know. I don't know. That's why we're here. You have no opinion. He has the job. So? Are you not the wife? He pays it. Well, no, he actually doesn't pay it obviously because He just brought us the back. Yeah. And you're okay with it? No. Then what are you going to do?

There's nothing I can do. I can't pay it. You can't have a conversation? You can't have a conversation with your husband. Yeah. Is that the dynamic of this household? You cannot have a conversation. No.

No. They have a fucking conversation. Tell him what you think. Tell him what you think. Pay it off. Okay. Wow. Okay.

So he knows that will amount to nothing. I think he'll pay it. off. He does pay it off and borrows immediately. It's a revolving death. It's a revolving door. You don't give a f-uh. You're too passive.

Do you get steamrolled in every instance of life? No. No? Then show me some of it. Have a conversation with your husband about how he is destroying your house right now. That's why we're here. I know, and I'm trying to make it better. trying to have this conversation with your wife who was unable to stand up for herself or her opinions in any way whatsoever, which is horrible for the future of your guys' financial household.

So that's why I am trying to fix this right now. Your passiveness right now, it's not a disgusting quality, but it is, it is, it's horrendous. It's going to hold you guys so far back. Yeah. What would you say if you guys were in a room and you just found this out? tell me what you would say to him tell him what you would say to him pretend the rest of us are not here have the conversation have the conversation the cameras are not here no the cameras are not here no the cameras are not here you just found out you're in a room with him and you just found out one on one

i really i don't know what i would say to him i'd just tell him to pay it this is embarrassing what a joke so our conversations usually go say say she found out and she said okay well what are we What is it being spent on? Why did you take it out in the first place? And why are you incapable of saying any of these words without him saying it for you? I don't know. Okay.

Great. This is indicative of an incredible partnership going forward. We talk. I mean, we... Really? Or do you talk? No, we communicate. We communicate.

Why? You seem very incapable of that. No. She doesn't like new places? Yeah. She's shy. Well, don't be. This is the place to do it.

Couples have come on here. They put her all out there and they've gotten their shit together. Are you? Not at this rate. You're passive. Wishing you could be there live for the big game, soaking up the atmosphere in the crowd. But too often, life gets busy.

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Actual prices may vary. Limited time offer. You're laying down and getting rolled over and you're okay with it. I mean, there was one time we were going to buy a motorcycle. And... This is the third time this has come up.

Okay, so what happened with that? Well, this is a good example of her laying her foot down and saying no. When was this? Just a couple months ago. Yeah, like three or four months ago. So I told her I wanted a motorcycle and she said, okay, well, let's see what we can get. So I found one that I liked.

I called, did the whole deal and they gave me my interest rate and our payment and I think was going to be like six or seven. Maybe it was all the way up to a thousand. But I called her because we can't. If it's a big purchase, we talk about it. We talk about it. can we afford it? Is it worth it? I called her, we talked about it, and we decided it's probably not a good idea.

And she's the one that actually, I was excited, so I probably would have just done it. But she's the one that said, no, if this is probably not a good idea, we can't afford it, let's not do this. Okay, listen, your big excuse for not participating as all. He's the one that has a job. What happens when you have a job? What does that dynamic look like then? Because you will be getting an associate's degree and trying to be a paralegal. Then what happens?

I mean, we'll all of our money will go into one account. We'll pay the bills. We'll. We'll. We'll, wheel, wheel. How's the dynamic? At that point, I'll actually have a check going into. Why is that what matters when it comes to having conversations?

I mean, I actually, I don't know. I feel like even when I have a job, we'll still split it up the same. Should you not build the muscle now? All of our money will go into one account and then he'll still. bring money. You'll get an allowance based on your own pay? But like... Based on your pay.

Well, to be able to put some in savings and stuff. So all the money comes in into one account, he manages it, and then you get a little tax of your own money? Yeah. That's enough to get us through the week. Gas. Isn't yours just bullshit? Isn't your fund just bullshit?

I have your cash up right here. Isn't your fund just bullshit? Yeah. What the fuck are we talking about then to get us through the week? Gas. Well, I mean, I don't really get gas right now because I don't go anywhere. But, yeah. You have a two-year-old.

Shouldn't you be going places? Are they going to be bored? We go to the park and stuff. Yeah, there you go. They have a playground in the backyard, too. But it is still gas, right? It's two minutes down the road. Okay, so you guys walk.

No. It's not two minutes down the road. It's like maybe five miles down the road. But I pay for the gas. Usually, we fill up on the road. weekend if nothing even happened in here this is money going back and forth in your cash app nothing nothing was even

there was no account it was two and from cash app over and over again okay okay who's capital one quicksilver we both have one oh sick who owes $330 I think okay I think that's mine who spent

$300 last month huh do it that one would have been yours was that mine because yeah so funny story Oh. On both of these credit cards that I have on the Quicksilver and the Bass Pro have both been closed. That is funny.

The reason why. Because you weren't paying on time? Nope. No. Why? I bought some bullets. Ammo. Ammo.

And not, but maybe a month later, both of my accounts got shut down at the same time. Why? They thought you were going to go on a white nationalist industry? Nope. Okay. So both letters came in at the same time And I don't remember verbatim But pretty much it said

You are not the customer We want to supply credit cards to or whatever Okay, do you know what's because of the ammo Or because you're always maxed out That's the only thing I can think of Because I was still making my payments They close accounts when people are maxed out all the time I mean your borderline almost maxed out

You're accruing interest Take 17 months to pay off You had I'm not saying for sure it was just ironic that... You had two return... I swear, every time... This is the very first credit card we're looking at.

You can't tell me you pay your bills when there's been a late fee this year. You cannot tell me that. So what the f***ing is happening? This lines up every time if someone specifically tells me at the beginning of the conversation, well, we always pay our bills.

There's a guarantee late fee. Not only that, but this last month you had two return ACH payments. To return! Yeah. So what are you talking about? I always paid my bills. Fuck you.

It still got paid. Do you say that so that she can sleep? No. Well, okay, he pays a not on time and he gets fees added. You okay with that? Yeah, extra fees added to the balance because he doesn't pay it on time. Okay, Cope Giggle, sure.

I think all of our credit cards last month had return payments, but we didn't know what was going on. Because we had the money in the account, but when we paid it. Every time we paid it, even though we had the money in the account. Probably wasn't an available balance. Yes, it was. Available balance? Available.

Because I have three different... He still had the good job. I have three different checking accounts. Or I have two different checking accounts. But that does not make sense. And I also don't trust you guys as a reliable source. We're the Hartford. With decades of experience insuring millions of unique small businesses,

when it comes to your small business insurance. Thank you. One size? Absolutely. does not fit all. Get a quote or find an agent today at thehartford.com slash small business. 29% interest rate.

Platinum, who has the platinum card? Me. Ah, the chunky balance goes to her for the win. Okay, platinum. Top of one, platinum. Did they close your card because you were associated with a bullet owner? No.

That would be too weird, man. I don't get it. People buy bullets all over the country, and they would love you to spend money. And that's an easy way. way to spend money. So that makes no sense. Because when I called them to ask about it too, they told me the same thing.

Told you what? That you are not a customer I have the letter. She has the letter on her phone. Show me. Well, you pull that up. You currently owe $1,0.91. You're spending on a car that you can't pay off. With the $42 minimums the payment,

she gets an allowance yet you rack up a $1,200 almost maxed out credit card that is accruing interest in having purchases that takes nine years. to pay off if you do minimum payment only without purchasing, of which you are incapable of. By the way, that went up. Oh, what's the new balance?

Wonderful. No, not that one. Oh, but that one. Oh. How much? Because trash came out. About 30 bucks. Oh, yeah, our trash bills on that.

Okay, 231. There's the letter. Okay, Capital One, let's see. I mean, it's the same letter for both cards. We just got two letters. Dear Real Name, we are closing this Quicks-over-1 card because Capital One has observed activity on one of your... We were Capital One accounts that is inconsistent with typical customer account usage.

Come on. So maybe they're viewing it as, so my, I, when we first opened our original office, I spent a lot on Amazon to get a lot of stuff around the office and they viewed it as unusual and they closed it. Not because I was purchasing it on Amazon and they saw that I posted a picture. They're like, oh, this isn't the kind of customer we want. You buy posters? No, it's because it was unusual.

You probably went on a weird spree and it was viewed as unreasonable. as risky for them as the lender. Please stop using this account immediately and destroy any cards and checks associated. That's so funny. I don't read so weird. It's like, just close it, guys. Also, you should update any recurring payments

being charged as the account, including, you're still responsible for repaying the balance. Yeah. Okay, no, that's not some fucking conspiracy. That's happened to me. It's annoying. I'm just saying that was the last thing I heard about it. That was the last thing I heard about

why accounts were getting closed, if you bought, they were... Through Capital One. They're associated with a certain group, and if you bought out of their whatever. That's a group. They're a bank. I know they're a bank, and it didn't make sense to me either, but that was the only thing. They're a bank. Trump won the popular vote. I highly doubt they would go against literally over 50% of the country

as of the last election. Like, I know, like 50% didn't even vote, but whatever, either way. It's like... I didn't do my research. That's just what I got told. fight half the country. Yeah, no. You're like, we don't want your money. Yeah, no, I didn't do the research. That's just the last thing I got told. You asked for it, and I'm delivering a way to connect the dots

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What was this done under the Biden administration? Was it an extra conspiracy? Okay. I don't get this way. Trump was in office, so I don't know. This makes no sense. I don't know what conspiracy you're falling into. I'll have a good conspiracy as much as the next guy. nine years to pay this one off minimumity payments only of which without any purchases that you

always purchase so Amazon return payment Peacock we're really paying for Peacock when we can't we don't have a fucking emergency fund what are we doing oh we're also door dashing wing stop when we have nothing in savings and only one person works

and what world does that make sense you who has done that It's both of our card You both have this Both our names Who DoorDash, Wingstop And out of all wing places Wing stop

Guys Well fine, better than Bdub, sure There you go That's fine I'll accept it The ranch is good Continue I'm pretty sure

I don't know how much it was But it was probably a mutual Like It was a mutual payment Yeah We don't Hundreds and interest Lost this year or what

DoorDash never gets Bought Except Mute except mutually. So you're mutually f***. Great. Wonderful.

You also mutually fift in every other way. 31.24% interest rate. Putting DoorDash on a 31.24% interest rate debt. That's f***amoronic. Bass Pro Shop, of course.

Yeah, that's mine. This is yours. Yep. Okay. You don't pay it off even with a small balance. $161.82. Minutes through payment,

$27. $27. Takes seven months to pay off. No purchasing, but $5 of interest accrued and almost 100 this year. Okay, quicksilver. So this would be your quicksilver then.

That one has gone out. Yeah, that one went up as well. Oh, good. What's the new balance? Like 380. Why? Our four-year-old had a doctor's appointment Monday. Okay.

What? And your co-pays $180? We're transitioning jobs, so we haven't got a check yet. we paid for the hotel on that credit card and then for the year and then 80 was for Dr. Copay and medicine. So stupid. And yeah, you're purchasing on this as well. $25 minimum payment still most likely

based on his minimumity payment for a similar balance with the balance going up $180 to $380. Great. What was your purchase? Oh, Door Dash pass. On a credit card that accrues interest. What are we doing, guys? guys.

What is this lifestyle? I actually didn't know that that was on there. Well, yeah, you don't know anything. You don't. You don't. About anything? Finances, nothing. Right?

Doesn't seem like it so far. I don't do. What? What do you know? Well, we don't use my DoorDash. So when I saw that and got on my DoorDash, I was like, I don't have a subscription. So I asked him, yeah. And I had a subscription that I didn't know.

ahead. So it was just linked to that card. And we didn't know it. Okay. Oh, Chevy. Got a truck. That's my truck. Okay.

Got a 2016 Silverado? Okay. So $3,315. $1.15. That's not a massive balance. Which is pretty good. How much is it worth? Thank.

10,000? I don't know. Nine or 10, I think. Now, why does your dad think this is paid off and that you're hiding that from him? I'm confused. Like, that's such a weird thing to do. My dad is a money man

as far as he's the one that, like, very financially responsible, like very good with saving and that type of deal. Sure. And it's been drilled in to us as kids, like, hey, you need to take care of your finances. You need to have savings.

You need to have all this kind of stuff. And when I was making those really, big 10,000 to $15,000 checks. He was like, you need to take that money and pay your truck off with it. Why? So what was interest? Great debt we've looked at so far. And also you have an equity position of about $5,000.

He was trying to get me to pay off my truck and my wife's car just so he didn't have. Instead of the high interest debts, 36% on a firm? He doesn't know we have those. Oh, then what the fuck? Okay. So what, you lied? No, we don't talk about our finances with our parents. We don't talk about our finance with anybody.

Our finances. Why did you say you're hiding it from him then to Lindsay? Because I told him that it was paid off. To get him off. Oh, so you did lie! I did lie to him, yes. Oh, what you did you just... Okay, okay, okay?

Great? Every time I went on, because last year I was gone for 158 days on storm, and my dad knew that, so he's like, all that money you're making, you need to pay off your truck, and he'd tell me that once a day, because he calls me every day. It's a little invasive, okay? And I just told him, I said, okay, I paid it off. The last check I got, I paid it off. You know what you're doing? In the poster, you're gonna call him and tell him you lied.

Yeah, you're gonna be a fucking man. Come on here, man. man. I am. You don't need to be a pussy, right? Yeah, that's good. You afraid of dad? No. So we'll call him in the post show. Okay. Very good. I like that. And I get it. You probably felt like you were being nagged, right? I was, yeah.

But, you know, it's just like, I don't know if we want to lie. I would explain the philosophy around maybe we're not doing that. Because if he is financially savvy, you would understand, well, actually, we have this other debt and it's a little high interest. It's much higher interest, so we want to prioritize that, and then we'll do the cars. You have an equity position of about five to six thousand dollars. in this car. It's not the worst

that a 5.53% interest rate. Minimum of the payment of $516 and it's worth about $9,683. So, okay, well, I'm very curious to see what his reaction is to that when you call him.

It's going to be quite funny. I would say he's very non-confrontational. Yeah, he's not confrontational at all. Yeah, you also lied to him and you will confess that. But we have what I believe is in other car. and this one's at 15.14% interest rate.

Yeah. What the, what is this car? A 2022 Chevy Trailblazer. Yeah. Railblazer? Okay. What's the balance? I don't see.

I know your minimum payment. Like how much do we? Oh. Does it not have the balance? I think it's like 14,000 left. Oh, it is. It is 14,767,0.48 cents. Oh, with a minimum.

monthly payment of 57774. You're lucky that this is worth about 17. So it's worth more than you owe. So what are you saying? I said you're lucky for that. Oh, okay. The interest rate is still horrendous, so you're still not winning by any means. But at least if you had to get rid of it, you couldn't.

You didn't walk away with the check as well. I will say that's the first car we've ever bought ourselves. So it's rare to have two cars with XVI. positions on the show. Well, I thought at the time, and this is a mistake of my part, I thought the interest rate was 8%. Yeah. Until she, until credit comments started sending her offers. You were okay with 8?

Yeah. It's 22. Yeah. After COVID, interest was shitty. Yeah, people were getting 6-7. But, yeah. And we were, I mean, that was the first vehicle we've ever bought, and our credit wasn't perfect, obviously. Yeah, that's the more.

She needed a car. She was driving in 2006. 2008. Speaking of the interest rate, your student loan interest rates are actually kind of chunky. They're not even generous. They're like close to seven. Two of them shouldn't have interest rates. Or no, not interest rates.

They all have interest rates. Yeah, just not accruing interest. Yeah, the subsidized ones wouldn't be accruing. Okay, your total student loan so far, but you're going to have to borrow more, right, in order to do what you're trying to do? No. Yeah, you're going for your bachelor's. Yeah, if I want to go for my bachelor's, yes.

Well, he says you want to go for your bachelor's. Yeah. Do you want to go for your bachelor's? Oh, yeah. So yes is the answer to you have to borrow more. Yeah. Because you won't cash flow. Which I wouldn't now with high interest debt and no emergency funds, but. Okay.

Okay, so student loans, right now you have a total of $4,819. How much you're going to have to borrow for the bachelor degree? And when is that? I don't know how much I'm not to borrow. I think because the bachelor degree is $40,000, but because I have their certificate and the associates, that cost will go into that. Correct.

Yeah, about $20. But I'll also get FASFA. Yeah, I'm asking for how much to borrow. I think the answer would be 20. Not if FASFA covers a lot of it. Well, how much? I don't know. I haven't applied for FASFA yet.

You guys filed taxes jointly? Mm-hmm. Why should you qualify for anything additional? I don't know. You made incredible money. You should just get student loans. Student loans. You got children so you get a little bit of child tax credit, but...

I don't know. I know because when I applied for FASFA to go through a PMP, they were giving me like $3,000, I think. Get that. This is your credit report. More student loans? No. There's 30 student loans, two.

Yeah. That's it. Okay. Is that all our debt? I think so. Okay, who's the Bank of America checking account? That's mine. Okay, we started with $3.44.

We have two children. That's disgusting. To do the spending that I saw you guys do while starting a month with $3.44 is disgusting. Yeah. unacceptable children what can I say? You guys are children

Our kids love donuts And you won't even hold them accountable You won't even hold them accountable You'll just cope giggle all day Going out to eat How much last month? What do you think? What would we guess? 800

Okay What would you guess? A thousand Okay $1,122.73 cents What the fuck is wrong with you guys? That is more well, actually with the two cars. That's

not true, but it's close to your minimum of the payments. That was also though because he was working six days on, eight days all. Or, pack him a meal. He did take lunches, but breakfast and dinner, and most nights he would... Back him on breakfast, pack him a dinner. I don't give a fuck. You guys are in debt. You can't hit your goals. You guys don't have anything

in retirement and you have no emergency fund. Not having an emergency fund is an emergency. What are you going to do if an emergency happens? Can someone answer? What will you do? I don't know. borrow would be it at higher and higher rates until you guys are in a payday loan cycle

which you borderline are with cash app again those little pay advanced things are not necessarily a bad thing it is just like credit cards it is how you use them and you use them poorly have you ever borrowed money from your parents mom and stepdad yeah well there you fucking go so it's more of that what are you borrowing for them for

uh borrowed $1,800 one time to start a business what the fuck Okay. And? Business work for six months. What else did you borrow for? I think a bill one time, like $200.

I don't know what the bill was. See, that's what happens. You're going to have to borrow more. You're going to have to go begging for money. You're going to have to embarrass yourself. It's been a couple years. This is embarrassing. No, I'm saying if an emergency happens today

because you guys are prioritizing $1,150 of going out to eat over building an emergency fund. Missile and these bullshit on top of that, was an additional $2,429.83. We already saw a lot of those purchases. We will see more. So at minimum bullshit, minimum bullshit was $3,500, essentially.

No, no, no, no, it was about $4,000. Almost $4,000 went to bullshit. Complete and utter bullshit. So what the f- What is our desires? Because you guys are not living up to it. Can someone tell me, hey, fine. What are you want?

What do you want the household to look like? What are your goals? What are you trying to do? Money, finances. What is the household trying? What do you mean? What is the household trying? What do you guys? What? Not you. You? Oh, what a joke? What is wrong with you? Not an emergency fund? Not to pay off debt? Not to get a house, not to retire. No, I want to pay off the debt. Can you tell me what the f f f you want to see this household accomplished financially? I want to pay off the debt. And? And build an emergency fund. Oh, good. What is wrong with her? She just goes with the flow. No, she's...

No, I wouldn't say that. She's smart. She's super smart. Whoa, I have not seen that on display. Just different ways. Different ways. Where do you do it? Well, she can put the right shape through the right hole?

No, she's book smart. Coloring? No. No, college book smart. You're going to go through all of my financial education. It is not an option. I would take it together, but at minimum, you have to. Debt class, budgeting class, investing class, real estate class, recession class,

you go through all of them for free. I'm in real estate law right now. Well, great. That is the legal. I need you to learn the finances. Okay. You get it for free. Okay.

Okay. Take advantage of it. Tens of thousands of people have gone through them. now you get it for free so no this is just like you can't and lost on that

it's just like I don't know what to do if like you just don't give a when I asked you to give me a few financial goals you just repeated two of four that I said that's it

like you've never thought about this never had a conversation well yeah I mean the only conversation we've had is we want to pay off debt and buy a house and buy a house then why are we doing everything

but that. 4,000 I'm bullshit. Because we're terrible with our finance. Exactly. So wouldn't we then try to correct that?

Do the actions that are required in order to correct that? If our goal together, we already know, is to pay off house? We started that like three months ago with even having money and savings. Ended with barely anything either,

but it's just cash app, rent the center, winning out some bullshit, winning out some bullshit, PlayStation Network, Cash app, Cash App, Cash App, Cash App, I think it's whole road, cash app.

Cashup, cash up, cash up, cash up, cash up, cash up, cash up, cash up, cash up, cash up. Winning got some bullshit? When ain't got some bullshit? Cash app. Blink. When it got cash app, winning got some bullshit. Cash app, Netflix, winning got some, well, cash up, cash up, potentially, I don't know. Ketchup, Kishap, Ketchup, Katship, Ketchup, Kachap, Ketchup, Ketchup, Katshap, Katshap, Katshap, Kasp, Katshap, Katshap, Katshap, Kashap, Kasp, Kasp, Kasp, Kasp.

Brazil, Tyship, Kasp. Winning got some B Kachap, Kasp, Kasp, Affirm, Affirm. Kapp, Kapp, A farm, Apple Bill, Kasp, Kasp, Kasp, Kasp, Kasp. Harbour Freight Kach, Kach, Kasp. Kashap. Waterburger, Rose City Barbers, cash-up, cash-hap, pigtails and chew. Haircut for our kids. Mm.

Cash-up, Tj, J. Max, cash-hap, Chipotle, cash-hap, stash, subscription. Cash-up, cash-up, cash-up, cash-up, cash-up, cash-up, cash-up, cash-up, cash-up, cash-up, cash-up, cash-up, cash-up, cash-up, cash-up, Apple Bill, Cash-app, J-J's, Academy, Academy Sports, Winning got some bullshit, $7, brugh. License online. be okay cash up cash up cash up creza cash up chick flay water burger water burger gavelston academy sports watermill cash up cash up cash up cash up cash up cash up cash up macchap mcdonalds gavelson cash up cash up cash up cash up helicopter what gavelston academy sports parking cash up easy mazy tequila rock parking

Tina's on the strip Amazon parking surf shop galveston Whitewater Express. Coffee. Winning got some bullshit. Galveston, Gaviston, Sonic Driving. Winning got some bullshit. Gateway. Winning got some bullshit. Chipotle, TikTok shop? What the fuck are we doing?

McDonald's, parking. Bullsh. Dairy Queen. Dordash. Bullshit. Cachev, Waterburger. Or whatnot. Rent the center. Cash up, cash up. Fuck you.

That's insane. $825 in this Bank of America. Which one's out? Yeah, all three of them are mine. Okay. Draws 2,000. And then this savings went from 500 to 2 cents. Great.

Okay. And then we just had savings and then we had to fix my truck. Of course you did. That's why we have an emergency fund. And we don't use it to go to fucking bullshit. Gablesdon. Like, what are we doing? Minimity payments, $56.67 from,

uh, from Cooper's a firm. $266 from Herdefirm. Your cash app. Well, no minimumity payments there. You just owe that $6.50 and then it take it back. $250 to a quicksover, $42, platinum, $27, best pro, $25, quicksover, 517, Sovarado, 57, 74, for the Trailblazer. This is not student loans, that is not cash up.

Minimum monthly payments comes out to $1,535.42. Which, by the way, with the income you had, and I think the income you have, you should be able to manage without freaking the fuck. Let's build your budget. Oh, wow. Okay, so 1535, 42 for the minimums. Income, we're saying for now 680. I assume you're shopping around consistently for a higher income jobs and bounce back up.

Well, what's your rent? $1,600. Okay. All utilities including the Internet? Roughly, it's $250, $250 for Wi-Fi. 50 for water. $50 for water, 35 for track. and that's it.

Good. 435. Phone bill? 3.42. What the fuck? What's the wrong with you? We've been shot. We just bought new phones.

In January. In January. Dude, once those phones are paid, I'll switch to helium. If T-Mobile's good in your area, same tower, same service, but cheaper per line. Like, what the fuck are we doing? Okay, gas, room, boom, drive, drive. Both combined. Maybe 400 a month?

Car insurances? 1.35. Groceries. We should be able to do... Eight. Yeah, about 800 a month. I think 800's fair. TP fund for everyone, including kids, $250.

Anything else you need? Toilpaper, toothbrush, toothpaste. Everyone's wants to want. It's like a sports activity, that kind of stuff. Medical health care. Co-pays, monthly basis. Well, we don't really know right now. We don't have insurance.

At all. Have you paid for insurance? No, we're looking at Marketplace right now to try to find some. Good. I'm going to assume that's going to probably be insurance about 500 bucks a month temporarily. Yeah, probably something like that. Well, actually, for all four of you, right? They are nice to people that got fired, but 500 might be generous.

I know the last time it was one, no, 200. For 200 a month? Yeah. Okay, maybe I'll say 300 then. Okay, so 300. Is there a gym? I would like to have a gym, yes. Okay.

What, 40 bucks? Yeah, 40-50 bucks. Okay, we'll call it. 50. Subscriptions. Let's see if I can fit in about 50. Have any pets? No pets.

Good. Thank you. Okay. Anything else that needs to be in your budget that I have not put in that needs to be taken account of? No. You guys still have a wiggle room. But barely.

I can't really give you fun money. You need $5,897. $42. Listen, go make more money. You go get a fucking job. I've been applying. And I can give fun money from that. but with not having an emergency fund and two kids,

I need this $982.58 cents to go to pay off debt. Listen, Trailblazer, honestly, minimum fee, uh, sorry, Silverado, minimumity payment until it's paid off. Okay. I would not pay anything extra on that. I really wouldn't. With the equity position and the interest rate, but the Trailblazer were murdering, even with the equity position, the interest rate is just stupid, insane, dumb, stupid fuck. So bad debt is 18,807.20.

20 cents. Divided by, obviously, it's going to be close to about 20 months. But let's see. Yep, 19 months. Which honestly, not bad. A year and a half. That's with your lower income. You ramp it up, pay it off in a fucking year.

It's fully emergency fund in six months. Start building back up in retirement. You guys, this is the easiest fucking fix. This is so stupid. Come on. This is the easiest thing I've ever seen. What a dumb. position to be in. This makes no sense.

This is your income cut in half you can pay this off like this. Don't get the stupid trailer. Don't focus on that. Pay off that. Emergency Fund, catch up in retirement. And then do what you want with the house. This is so stupid. All right, we're going to call his dad in the post show and he's going to confess that he's a liar. But let's get the Hammer Financial score.

Spending a budget. Well, he overspends. You're already 10 debt. It's really not the worst. There's some stupid things in there. There's been a couple late fees and bounce checks. This is probably like a two out of 10 for your guys's situation. It's not good.

Don't get me wrong. Emergency fund, nothing's a out of ten. Retirement, I didn't see anything. No. Is there something? My Fidelity account. How much? $3,600.

1 out of 10. Real estate, you do own... We own land. Land. $25,000 worth. It's not great. Not much is on there, but I mean, at least it's something. I'll give a 3 out of 10.

Hammer financial score. Round it up to 1.5 out of 10. Get your score at Calebhammer.com. Now click that join button for an extra 20 minutes of this episode in the financial auto post show, including three premium shows posted every single day, Monday through, Friday, I'll see you there. But I have a confession to tell you.

Okay. So my truck is not paid off. Okay. How do you feel that your son lied to you about paying off the truck when you really wanted him to? Why did you tell me that it? Did it? Because I was tired of you nagging me about it, to be honest.

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