Financial Audit - He's A Monster | Financial Audit

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Starting point is 00:00:36 I was even looking for second and third jobs, like working at retail, and he wasn't even looking anywhere. Was there any thought in your head of like no longer being there? There was definitely the thought. How close were you? That's huge. Yeah. He's not being a man. You said it.

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Starting point is 00:01:18 That's a promise. Hi, my name is Kylie. I'm 34. Hi, my name is Timothy. I'm 33. And we are from Las Vegas. And this is Financial Audit. All right, age liar.

Starting point is 00:01:31 What else are we going to lie about? Kylie. Welcome. Thanks for coming in from Las Vegas, guys. Kylie, you're in front of me right now? Yes, I am. So I want to know what you're doing for a living. I service life insurance policies and annuities.

Starting point is 00:01:45 Cool. What are you making? Could be money. It's like $23 an hour. It's okay money. Las Vegas, up and down on the price scale. Certainly make it more affordable compared to the states next door, but definitely has gone up in price.

Starting point is 00:01:59 Since the pandemic for sure, what hits your account on a monthly basis from this job? We're looking at probably $2,600 net. Okay, cool. And you, Mr. Timothy, hopefully a correct answer, real answer? I am an architectural concept and interior designer. Okay. It's either $0 or a lot of dollars typically, so which one is it in this case? It's a monthly I get about $4,400.

Starting point is 00:02:30 Okay, not bad, not bad at all. Good, good, good, good. That's what hits your account. Yeah, $70,000 a year is my salary before. We love it. How we live in Las Vegas, guys, $7,000 a month in that? Ain't half bad. How are we doing?

Starting point is 00:02:45 How's life? Obviously, we're choosing to live comfortably, and that's why we're here is because we've hit a few kind of emergencies, you know, where you needed some emergency fund. What, didn't you have an emergency fund? Well, I first got my job right out of college, moved right to Las Vegas, met her two months after I moved out there. So my lifestyle out there started off in the, you know, dating, exploring, you know, doing new stuff, buying new stuff, going on vacations. And then the wedding.

Starting point is 00:03:19 I'm confused. That's your emergency fund is poking your things? My emergency, no, I know. No, it was on like dates and gifts. and vacations. You did specifically. I don't know if it was just a slip of your brain, of meaning what you're actually talking about.

Starting point is 00:03:37 You said emergency fund. Yeah, we didn't have an emergency fund because I prioritized. You said fun. Fun. Fun. Emergency funds. I'm glad you're correcting it, but I'm a little nervous of how you said it.

Starting point is 00:03:50 No. Emergency funds. No, we didn't have emergency money because we prioritized. If you're emergency fund, is going and sticking in different people. I'm a little nervous for him to live in a city that's known for Strippy. I met her two months into moving. I went on one other date.

Starting point is 00:04:09 No. No. No, we met on bubble. Okay. Okay, the online version of that life. Okay. Basically. Yeah. Yeah.

Starting point is 00:04:19 So, okay. Good. Emergency popped up. You haven't had enough money. Didn't really tell me what your emergencies were specifically, but. We didn't really have. have emergencies back then. No.

Starting point is 00:04:30 We just spent all of our money. I'm asking how life is now. Why are you guys talking about that back then? I'm so confused. How did you get back there? How did you get back there? Did I ask about back there? How do we get back there?

Starting point is 00:04:41 Because I was talking about how we're living comfortable. We were living comfortably. Guys, I'm asking how life is. You're making $84,000 a year net as a household. I'm asking how life is and we're like, back then. We're still living comfortably and prioritizing. things that we probably shouldn't. Like fun and convenience.

Starting point is 00:05:04 We like to buy things for our daughter. That's the number. A daughter? Yes. One child? Yes. Age? Three.

Starting point is 00:05:11 Cool. So you guys are married, right? Yes. How long? It'll be five years. Okay. Coming down financial audit, five years into marriage. I mean, that's one of the longer marriages, I'll be honest and I'm a little concerned

Starting point is 00:05:25 at why the, are the finances bad five years into a, marriage. Well, basically, I had a baby, obviously, three years ago. We went down to one income and kind of... How long were you out? Eight months. And then we switched and he was a stay-at-home dad for two years. Why?

Starting point is 00:05:45 Because the mental load on her and like the reality of being a stay-at-home mom was a lot. And I... What is that? Wait. What was that for you? Why aren't... I mean, you guys make... money now.

Starting point is 00:06:00 We could have afforded some kind of daycare or something. We did. For like a day and a half. Why'd you for a day and a half? So why did you stay at home for two years? Because I mean, you might understand if you ever have kids someday, but when you put your kid in a day and you can watch them on camera all day being ignored.

Starting point is 00:06:17 But it's just they basically put her in a bouncer and then ignored her all day. Maybe a different place. My concern is they all Well, my main concern is, again, she's making half the income of you. We can't live off a 2600 hours a month, right? That's I mean, that's $31,200 a year. We can't live off of that.

Starting point is 00:06:32 So I'm okay with stay at home parenting. I'm not, in fact, it might be preferable. I'm not criticizing that at all. I am criticizing $30,000 a year being the income we're living off of in a not a cheap city. Yeah, there was, he was supposed to have like his own kind of side business doing the same thing and things just didn't. Doing the same thing watching kids? No. doing like 3D renderings, modeling, design.

Starting point is 00:07:01 Okay. I was making $90,000 at the time. Did you ask to work at home? Yeah. Instead of that? Yep. They said no. They offered it to another employee, though.

Starting point is 00:07:10 They would let him work a week from home and then a week in the office. So I asked for the same thing and they told me no. They just straight up said no. Yeah. And I asked for more money. They said, no. They said you're basically. Excuse me.

Starting point is 00:07:21 Can I work at home and get more money, please? I said to know, I said, excuse me, guys. I said, you know, we just had. headed on my wife stopped working like i need you know a little bit more money or i need the flexibility to work at home for a week and then work in office for a week and they straight up told me they're like no you'll just be babysitting when you're home even though during the pandemic i worked from home and i proved to them that i can be you know just as efficient and was there a baby no but that's different this video is sponsored by aura and before you skip you might want to see the crazy stuff that i just

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Starting point is 00:09:33 rather than giving me even like say like, hey, okay, we'll do this for a temporary period. Because even during the pregnancy, I was working from home and taking care of her because she had a very rough pregnancy. But it is different than taking care of a newborn. Yes. It is. But at the same time, I wouldn't have been the full time care. She would still have been the full time caretaker of our daughter. I just would have been there for a little bit of help. But can you understand the perspective, though? Like, they can have you who's not there, not doing work, not collaborating with others, or someone who is. They took some, they brought somebody else in who did their job worse, did the job worse to me. And they were asking me.

Starting point is 00:10:13 Says the former employee. No, the guy was texting me after I quit because he needed help. He was like, oh, I'm so worried that I can't compare to you. And then he's like, can you help me? What did you do for this? employee, that's not your boss texting you. That's your no. Yeah, I didn't help him at all, but that's the thing is they filled the spot of me with somebody worse. Whether than just letting me work. Whether he's doing what another employee

Starting point is 00:10:35 was doing. Everyone thinks they're bigger than the company they left. I like how he starts talking the moment I start. Like he pauses, I pause and then I jump into a sentence and then he jumps in at the same exact time. How do you think our conversations go? I'm supposed to be the one that interrupts

Starting point is 00:10:51 people. Let's get that straight. that's my thing. Yeah. I just get used to it. I just sit back. The worst thing was they told me two times, we'll figure something out, we'll figure something out,

Starting point is 00:11:01 and they made no effort to figure anything out. Yeah, sounds like they were honestly pushing it. When she finally hit her breaking point, I was like, I'll do this from home, I'll do it freelancing because then I'm open to more companies. But they said no. Yeah, they said no.

Starting point is 00:11:12 So I was like, okay. Which they can. Yeah, and it's fine. And I was like, okay, I was like, I'll go do it freelancing.

Starting point is 00:11:18 Yeah, I quit because I was like, I can do this freelancing. I can get more companies. and unfortunately it just... And was this the company that's trying to sue you? Yeah, because after I quit, I sent them along at, well, after I had a seizure because of the stress that was added to our life, like a full-blown grand mal seizure, I sent them an email. I was like, hey guys, like, I just had a full-blown seizure.

Starting point is 00:11:41 This is, you know, on your guys part because you guys have added all this extra stress to my life. You guys don't care about neurodivergent employees. La, la. DeVirgin. What's your neurodivergent? I don't know what. I got to go in and get tested at some point. I might be ADHD or autistic.

Starting point is 00:11:57 He doesn't have anything. He doesn't fucking have anything. And he emails the fucking company saying you don't care about newer diversion. By the way, I don't have anything. You don't care. No, I've done the self-assessments. I've been assessed with. What, did you take an online autism quiz?

Starting point is 00:12:12 Yeah. All the house assessment quiz. Those are so nothing. All right. Well, I know how my brain works and it's fucked up. and I don't think it's normal, so I find it neurodivergent because I'm not neurotypical.

Starting point is 00:12:29 I feel like you went down the rabblehold of self-diagnosed forever. Now you had a seizure, that's something. But come on, self-diagnosing. They go get diagnosed you, Ted. Yeah, I need to. I've been dealing with some other shit. This was multiple years ago. No, it was like two years ago.

Starting point is 00:12:46 And I've been dealing with other specialists and neurologists and psychiatrists. But you've never been diagnosed. You can't go. to the company and say, hey, this was your fault because you don't care about mental people. Sees and desist. Yeah, and you probably deserved it. Right. And I took it and that's what it is.

Starting point is 00:13:04 And you cease and desisted? Yeah. I stopped bothering them. Good. Until I got back onto a good mental page after my psychiatrist and I apologized. That was the last time I sent to my email was an apology for, you know, lashing out and doing what I did. You were TikTok diagnosed, let's be honest. I don't believe I was.

Starting point is 00:13:19 I'm going to go in. Huh? That might have started it for sure. That's where I learned about it. This is a generation and a half of people that get on TikTok and they're like, you're this, you're this, and they fucking just endlessly,

Starting point is 00:13:34 endlessly pile it upon each other's brains. They convince each other that they're victims, that they're self-diagnosed. Like, this is like crazy what is happening with these generations. And you're doing it. You emailed your company. This is insane.

Starting point is 00:13:49 This is insane. I can't believe where we are as a culture. This is fucking crazy. And that's not even. politics. That's this fucking crazy. My goodness. Self-Dat, you took an online autism quiz and you emailed your company saying this was your fault because you don't care about like me. It was like, I'm going to take this test.

Starting point is 00:14:07 Okay, I just found this out. No, it was like a long, freaking winded like two years of. Yeah, long looking at TikToks. And they're like, I'm autistic. I'm autistic. You're autistic too. No, it was like, oh my gosh. And what doctors. Research into doctors.

Starting point is 00:14:22 Not into doctors, but what doctors studies have. put out about the conditions and the symptoms. Which is why you've been officially clinically diagnosed. No, I haven't been. Oh, that's interesting. That's really curious. I will go and get clinically diagnosed. You've had two years to do it.

Starting point is 00:14:34 Your neurologist did offer to refer you. And you said no. Actual creature. Oh, you deserved that cease and desist. Yeah, I did. That's why I took it. Well, you can't really do much with that. Right.

Starting point is 00:14:50 But, I mean, I didn't fight it or doing it. It was what it was. They sent it. Listen. That's honestly a little bit of bullshit. Okay, listen, if someone here personally was like, I need to work from home because you just had a kid and needed to help my wife, I would have allowed a temporary with a hopeful end for that work of home because we're very collaborative, right?

Starting point is 00:15:11 Because we're working in art and you kind of work too in a different way. That's a very good employee. Okay, sure, quiet. I would allow that for a little bit. I'd allow that because that, you know, that's how I operate with a hopeful end date. But I understand the collaboration in an artistic environment like you'd making you videos or architecture or things like that. I get that.

Starting point is 00:15:30 That being said, dude, she calls you on your bulls. Yeah, like if you don't know, if there's not proper communication, not proper diagnosis, no one can do anything with anything.

Starting point is 00:15:40 No one can do with anything they don't know. I told them. But you didn't know. She just said you did not know. No, but I told them that I was stressed. I told them that it wasn't that my health was going down.

Starting point is 00:15:52 And they said, that's your fault. You set the expectations. Hold on. Hold on. For what it's worth. For what it's worth. For what.

Starting point is 00:15:57 it's worth, what's the size of your team? It was a company of about What's the size of your team? Per project, like 10 people? And here's the thing. If we work in a small company, you know, we got 25 people here. If one person is saying, hey,

Starting point is 00:16:13 this job is really stressing me out, I can't do it anymore, I can't do it anymore, I can't do it anymore, that's really difficult because that fucks everyone because on a small team, you fuck everyone. And I would honestly, I know this is more brutalistic, but I would rather get someone in there that is able to perform to support the whole

Starting point is 00:16:27 team than not. Now, if we're in an organization of 1,000 people, that's where there's more flexibility. Apple is able to have that more flexibility. Google's able to have that more flexibility. Hammer Media is not. I was managing just the 3D renderings, and there was no reason I couldn't do it from home because there's a very capable position. I wasn't collaborating half the time. I agree, but it's their choice not yours. Right. Yeah, absolutely. That was it. But they, you know, I was doing it probably five times faster than what they could outsource it for because you outsource That's the former employee. Yeah.

Starting point is 00:16:57 It's always the former employee that says they made the biggest impact and they they've done the most and they can do everything the best. This is what everyone does ever. When I left another job, I did that. I had three projects in my company where the employees have straight up He's still doing it. He's still doing it. They straight up told me like, hey, we needed somebody like you at this company a long

Starting point is 00:17:14 time ago. And if he leaves you, he will say, or if you leave him or whatever, break up. Like, I was the best father. The new father is not even close to it's good. I was the best father no matter what. I was the best guy he will ever. have. I was a good guy. In fact, I was the real guy. She doesn't deserve me. I was the good guy.

Starting point is 00:17:30 This is how he's going to, this is how he operates in life. I know these people. Come on. You're the good guy. You're R slash good guy. I'm just filling you in on what happened. From your very skewed perspective. I'm just telling you the exact facts of how things went down and why I got out of my. You know, now that you say that, I hear it. Kermit's cute though All right guys

Starting point is 00:18:02 What a fucking Okay Oh my gosh Okay so Before we went down that rabbit hole I'm assuming you're saying this all started At the you no longer having a job Is that what I'm hearing

Starting point is 00:18:16 When I quit my job yeah That's when everything snowballed Now he quit his job Why didn't he What was his job finding process For a remote or part time position during that. So my perspective is we had the plan to have him freelance. He had one company lined up where he was supposed to do the modeling for these new bills. I don't know what they were houses or whatever. And so my impression was, okay, we're going to be having around $100,000 by the end of the year. That carries us so I can work for $50,000. I think it was a little less than that. And then come maybe February. We were in Disney. And I was like, oh, well, when is this going to start?

Starting point is 00:19:00 And he said he hadn't heard from them. Jobless in Disneyland? No, we're on vacation. Yeah, we went on vacation. Moran, you didn't have a job. Why are we going to Disneyland when we don't have a job? Jobless in Disneyland. Also, why?

Starting point is 00:19:15 The kid was like, what? Half a year old? Seven months. I think it was. Definitely when they're forming memories. Yeah, it was cheap. But I think it's because it rained the whole time. So we took advantage of the cheaper prices.

Starting point is 00:19:29 You guys didn't make money. Okay. I was making money just for a couple months. Yeah. No offense. But, I mean, add your money to his. Yes, it is a significant tributer. But if we live off of years alone, we can't.

Starting point is 00:19:40 Yes. So he promised he had jobs lined up and he was going to be working freelance. He didn't promise. He just kind of alluded to the fact of. Well, that's the plan you guys made together is what you were essentially saying. Yeah. That is kind of a promise without saying I promise. Yeah.

Starting point is 00:19:54 That was my impression. was that this new job was going to start in the new year and then it never did. And when I asked it was like, oh, we never finalized anything. And I asked, you know, have you reached out to them? Oh, I haven't heard back. And then eventually, I think after that vacation, he reached out. What was wrong with you? Why weren't you stepping up?

Starting point is 00:20:15 From my perspective, I was... From your perspective, from my point of view, the Jedi are evil. I mean, I can pull up to, try to pull up the emails from when I was contacting them to see, but I swear I was emailing them, you know, at least want some two every two weeks. So your perspective is that you emailed them every two weeks? From my memory, yeah. Yeah, but if you were the reason we're in this mess and you promised without saying the word promise, that you would be working on this for your wife and child, newborn by the way, and then you didn't,

Starting point is 00:20:47 that's a bit. I was reaching out to companies, other companies than them. They just never got back to me. I never saw anything. He just, I never asked either, though, to be fair. Why were you pushing them? Because I was already stressed out and I didn't want to add to it. He didn't make any fucking money. And the dude wasn't stepping up at all. And he stayed at home for two years doing nothing.

Starting point is 00:21:06 Jerking off and f***ing strippers. I don't know. It's Vegas. I'm just assuming. He was always with her. And he can't drive. He wasn't working. He reached out to companies, didn't fulfill his promise. And we just started going further and further. How did this process look? What did life look like? What were we doing? Sadly, we were kind of living the same lifestyle off of my income. I tried to take the reins of consolidating our debt through some kind of...

Starting point is 00:21:35 Consolidating? Okay. Yeah, some kind of debt relief company, I don't know. But that ended up making it way worse. I thought I was under the impression that they would make minimum payments because I was keeping up with minimum payments to at least pay for everything, keep our credit high. we owned a house at the time so making mortgage payments yeah well how are you guys even affording a mortgage

Starting point is 00:21:59 our mortgage was like $1,800 a month yeah but you was honestly cheaper yeah but you're making 26 yeah sure at the time with low rates yeah

Starting point is 00:22:10 but you're making $2,600 like no you could have rented a smaller space I know the newborn's not ideal but 100% could have could have That's what we ended up doing. We ended up renting a cost. You sold your, okay, so you sold your house?

Starting point is 00:22:25 Yeah, we had to sell our house. Had to? What's had to? It was the easiest solution to get out of all the debt, pay off all of our debt. So we sold the asset we were on that was going up in value that we likely had a low interest rate on, paid off all our debt, and now we're in a bit into, now we're in a ton of debt again. In hindsight, I read it because the markets kind of cooled off and houses aren't really selling as much. doesn't matter. At least you would have been in it.

Starting point is 00:22:55 Good luck getting in right now. You also would have been locked into a low rate. What? You care about a two-year movement, not a 10-year, 20-year? Come on. That doesn't make any sense. You paid off your debt. And now you're on the show, which means, fun fact, you have debt.

Starting point is 00:23:08 Yeah. So you made no progress, lost an asset and lost a great rate that we're probably not going to see for at least decades. We got out of a lot of debt. Which was partially my fault because of my credit card. We racked up. Before we sold the house, we racked up. Why?

Starting point is 00:23:21 Why were you racking up so much debt, guy, that wasn't working for. fulfilling promises. I am terrible with, like, seeing the credit line. And I thought that was spendable money rather than, like, going off and setting a budget. So I feel like you guys have very different perspectives. I feel like you guys have very different perspectives on this, especially with the, in my opinion, in my opinion, for my perspective, it's this. I, I don't trust what you guys honestly say in front of the other person right now. So I'm going to do a little thing that we haven't done because I want to hear what you honestly think.

Starting point is 00:23:53 about what the other person's saying and what the other person thinks and what is actually going on in your situation. Timothy, can you hear me? Timothy, can you hear me? Timothy. Timothy. Can you hear me, Timothy? Timothy? Can you hear me, guy? Guy? Okay. Good.

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Starting point is 00:25:26 All right. headphones are on the Timothy. I'm going to kind of do this so he can't see what I'm saying as much, but you can. Okay. So I just need to know from your perspective, especially on this job situation where he was just hiding this and it took him forever to get in. What is his impact on this financial situation when it comes to selling the house, paying off the debt, everything?

Starting point is 00:25:52 And now back in debt, give the perspective. It's huge, to be honest. Now is not as bad, but once we paid off his credit cards, I didn't allow him to. His credit cards. Did you have any debt? I did, but I didn't pay off his credit cards. Because it was higher. Higher amount, higher interest rate.

Starting point is 00:26:13 Okay. And I did pay down mine. I just didn't pay it off. So you'd say he's a, would you say he's the significant contributor to all this debt? Yes. Now. And what do you think his perspective is? What do you think he would say?

Starting point is 00:26:29 He would blame it on like me being a new mom, my mental health and that. He blames your guys as dad and you being a new mom and your mental health. Yeah. Because we did make a joint decision for him to stay home. I just didn't think it would last two years. Yeah. Two years is wild. What is your perspective of, I keep saying that because of you guys?

Starting point is 00:26:48 What is your mindset on the fact that he was home for two fucking years? We guys were scrounging on like little income. still going to Disney, but a little income and trying to survive. Yeah, it was rough. I mean, especially last year, like summertime, we moved into a house with his parents. Oh, my, fuck.

Starting point is 00:27:07 Oh, my, fuck. Okay. His dad's retired. His mom works from home just like I do. So we had plenty of childcare. When did he start working this job that he has now? February of this year. He was doing this for two years. What do you think about that? Two years. What is your honest take? He doesn't

Starting point is 00:27:23 hear this. He will when he watches it, but Yeah. I mean... You have a few weeks. Come on. What do you think of the fact that he sat on his ass for two years? Yeah. I mean, those thoughts went through my mind.

Starting point is 00:27:34 I just didn't say anything. Why would you not say anything? Well, you know what it's like to argue with him? I didn't want to deal with it. Yeah. But that doesn't get us anywhere, does it? No, I was even looking for second and third jobs, like working at retail this last fall. And he wasn't even looking anywhere.

Starting point is 00:27:52 That's unacceptable. That's actually borderline. disgusting. Yeah. That is like, like that, that's that is, that is, he's not being a man. You said it. Straight up. Yeah. Oh my goodness. And you did you consider it all. Did you consider, I know there was a kid involved and that makes it so much harder. But was there any thought in your head of like no longer being there? Dude wasn't sticking up. Dude wasn't fighting. Yeah. there was definitely the thought and then it kind of ran through my mind of like is he going to want like alimony or something like that i don't know how any of that works and you didn't because of that not the only reason but that was definitely something how close were you i don't know maybe like for a 40% that's huge yeah that's huge yeah

Starting point is 00:28:42 you married someone who refused to step up what finally pushed him to get a job this earlier this year a few months months ago, just a few months ago. I mean, he's probably going to try to sue them. It was just me and his parents nagging him. You had to bring his parents into it for him to act like a fucking adult? He's 32. Yeah. I mean, since we all live together, they wanted.

Starting point is 00:29:05 Of course, we pay half the mortgage. So it was, my income was basically getting wiped out. This is embarrassing. This is embarrassing. And I need to hear his perspective. So we're going to move to him. Can you hear me, Kylie. Kylie.

Starting point is 00:29:19 Kylie. Kylie. Kylie, Kylie, Kylie. Okay, my guy. Here's the thing. I want to know, in your opinion, how much of the reason you guys are in debt is because of you? How much of the reason you guys are in debt is because of her?

Starting point is 00:29:35 So, you know, the two-year situation and everything. I already have her perspective. I would say a lot of it was because of me. Really? Yeah. And how much would you say is on her? Like percentage-wise or... Yeah.

Starting point is 00:29:50 Like 25%? Okay. So 25% is on her. Why did you decide to get a job recently? After two years, what finally pushed you to go get this job? I've been looking for over two years. Not over two years, but I've been looking for longer than when I just started. Probably the last, actually, yeah, close to a year ago, I started looking once we moved into our new house because- Your new house. Our, like, family, like our family house. Like our family house. said we have now. And that's when, like, we had daycare situated. That's when I was able to, you know, get back into, you know, really pressing and getting into the work field.

Starting point is 00:30:33 And what is, you know, now that you're living with your parents, what is your parents' perspective has been on all this, you're not working and everything? Obviously, they were pushing me to get a job. And so now that I'm working again, they're obviously very supportive. They drive me to work every day since I'm not allowed to drive. You're 32. Yeah. Well, if I was- You need your parents to fucking push you to get a job after two years? They didn't push. They didn't push me. They just helped me with the daycare situation.

Starting point is 00:30:56 You were sitting on your ass not doing anything if we're being honest. Come on. Come on. I mean, come on. I was watching my daughter. How do you think she felt? My daughter. Kylie.

Starting point is 00:31:07 Oh. I mean, not great 100% of time. I know that from our arguments that we've had. Arguments. Yeah. What do you think was going through her head? What kind of work was she trying to do? to bring an extra money?

Starting point is 00:31:25 I don't remember any, like, extra money. You don't remember anything in the conversations that she still has even that has happened that she was doing to turn? Do you think she ever considered leaving you? Recently, I know she's been looking at jobs that bring in more money. Recently?

Starting point is 00:31:39 Do you think she ever considered leaving you? Yeah. Yeah. You had conversations around it. Yeah. Tell me about those. I can't remember what the fights were centered around. I think it was just the amount of what I was just doing.

Starting point is 00:31:53 she felt like I wasn't doing enough and so she just got fed up with it and threatened to go back home you know live with her mom take my daughter I mean you guys aren't completely separate like I feel like

Starting point is 00:32:15 he considers it to have been about 75% his fault for us worth 25% your fault yeah still but he did consider it to be a little bit more his fault and he knows you consider leaving You guys talked about it. You threatened to go back home.

Starting point is 00:32:30 Yeah. Except he has no idea that you were looking for other jobs while he was sitting on his ass. He has no idea. That might be a memory issue. Yeah, that's what I said. Other jobs, I know she's always been looking for other jobs that bring in more money. But when you said extra money, like I thought you meant. She was looking for extra jobs while you were just sitting there.

Starting point is 00:32:48 You might not remember it. But I'm telling you now, you were sitting on your butt for two years. And she was looking for extra jobs just so you guys could actually make your payments on things because you wouldn't do anything. And then you had to have your parents nag you until you got this job. I was still looking. Well, looking. Come on.

Starting point is 00:33:08 His looking, what was his looking? Opening LinkedIn a couple times a week and hitting easy apply. Well, I feel like too, you were looking for like a niche job. Yeah. I was looking for something in my. She was out there looking for a second, third, fourth job. You can't look for the niche job. You get a job bringing money.

Starting point is 00:33:27 look for the niche job, well, you have the job you don't care about as much. You don't get to sit on your butt while she's grinding. It was more like Christmas time. I was, well, like September to December when I was applying for retail jobs. I don't remember. Just had birth. Gonna put, got to stand up and fucking work retail. Nothing wrong with retail.

Starting point is 00:33:50 This one's last year. I mean, still, come on. You're going to make your wife go and work retail? Well, you do not. Nothing except to do easy apply a couple times? How many jobs are you applying to a week? Two years ago, maybe one. That's a joke.

Starting point is 00:34:09 That's a joke. That was when I was being the primary caretaker. Come on. Then the last year, probably three. That's a joke. Should be three an hour. Three an hour. When did you guys move in with the parents?

Starting point is 00:34:24 About a year ago. Why the fuck weren't you out there grinding? They're retired. I know that. they could have watched the kids. You should have been out there working your ass off in McDonald's if you had to. Yeah.

Starting point is 00:34:39 No wonder she was 40% of the way from kicking your ass out of the house. Yeah. Hindsight, I obviously see that. And guess what? Now you guys are here. Which means you guys are not in a good position. I know we've been talking a lot about what's been happening,

Starting point is 00:34:54 but it is very important for this conversation. But the fact is, we are not even close to a good spot. We have $122,000 dollars of debt. Guess what? There's not one mortgage there. Sake, guys. Oh, for stupid, fuck, sake. What is that?

Starting point is 00:35:19 What is who? Oh, for fuck sake, guys. Oh, what are we doing? We're not sitting here having a conversation how bad things were. Now, I'm glad we had a redemption arc. Things are f***ed. No! No!

Starting point is 00:35:38 The death. Listen. When you're looking for a different career field, I'll at least gift you a course career certification to help you boost your resume and get into something that you want if there's anything on there that you want, okay? I'm going to go three, two, one, go. And on go at the same exact time, you were going to say what your score is as a household, just you two, not your parents, you two and your kid, as a household, your finance score zero to ten, zero being the worst and being the best. Okay, do we understand? Yes. Three, two, one, two.

Starting point is 00:36:14 One. Okay, pretty close. If you want your financial score, take the assessment. It is free at Calebhammer.com. And if you don't want to end up like a guest on the show, make sure you download our Dollar Wise budgeting app. Take your free trial. Sign up for the annual version if you want to save money

Starting point is 00:36:27 and get my budget-friendly cookbook. They can't be purchased anywhere else. I'll sign it, mail it directly to you. You can sign up for Dollar-Wise Central if you want all of our classes and the premium version of the app for 80% off. Go to DollarWise.com. Don't forget Calebhammer.com slash apply

Starting point is 00:36:41 if you want to come on this show. Okay. Okay. This isn't a debt. They, again, I go in blind with the audience, right? They know everything about you. They get paid to be stalkers. It's a pretty good job, right? You can sleuths through people's personal lives.

Starting point is 00:37:01 But they decided to put your checking account at the top, which is rare. Oh, great. And I understand the fucking why. All this past talk, past talk, everything's today. negative $2.17 in our checking account? What are we possibly doing? What the fuck are we doing, guys?

Starting point is 00:37:24 What is happening right now? Fuck the past. No more past talk. What is happening now? You guys make money. And you don't even do parents. What is happening now? Well, not that we're proud of it,

Starting point is 00:37:38 but once we get our bills paid, we just kind of, yeah. Why? You went from owning it for your child. by the way to now owning not a single asset, $144,000 of bad debt, not a single piece of good debt in there, $144,000,

Starting point is 00:37:56 and we just blow money and end up negative in our checking account? Why is that the life we're even considering living? How is that the life we're even? You owe your parents who you're living with money and yet you're going and blowing money and having negative money in our checking account. They ought to kick you the fuck out. Well, we pay half their money.

Starting point is 00:38:13 Huh? We pay half their mortgage. Half their mortgage. Well, lucky you. boys, good job. I'm glad. What adults. They should kick you the fuck out and make you guys learn your lesson. What a joke. You owe them money. They subsidize your life by only making you pay half the mortgage. Yeah. And then you blow everything and go negative in the ticket account instead of paying them back.

Starting point is 00:38:40 They, I hope they see this. They're probably disgusted. Disgusted. I would be. Do they know you're negative? I think they've known when we've, you know? I don't know. We don't really talk about money. We barely talk about finances with each other, let alone other people. Your parents, yeah.

Starting point is 00:39:02 We are going to call them in the post show, and you are going to confess that instead of the money you owe them, you are blowing it all. And we'll go over the exact amount because we're going to find out. You're going to tell them that and you go negative in your checking account. Instead of paying them back. And hopefully they... Glad you have to do that. It's insane. It's insane.

Starting point is 00:39:22 Yeah, I want to make the daughter-in-law. I'll make his son. They have, oh my gosh. So they looked up the area? There are listings for rental homes in the area for less than what you guys are paying your parents. They just sent me five homes that are cheaper to rent the entire home than what you guys are paying to your parents. What are you doing? You have no independence.

Starting point is 00:39:44 And they can still watch them. You're close. That doesn't mean you're. The parents don't watch the grandchild, right? You don't have to live with them for that. What are we doing? Then you blow all your money? This is disgusting.

Starting point is 00:39:58 This is unacceptable. Well, part of the mortgage payment that we kind of give to them is paying them back. But that's only agreed. Does it go towards paying them back? Yeah. What, 300 a month? 300 a month. Yeah.

Starting point is 00:40:14 Great. So, okay. But it's only for half of that. So it takes 300 months? Basically. Now with the average. The other 15,000, yeah. Yeah.

Starting point is 00:40:22 Other 15. Yeah, it was two different. We'll get to that, I guess. So we know what came in. Right? We know it comes in our monthly basis, 7,000. Something extra did come in. We had a big wire hit.

Starting point is 00:40:38 What was that? Is that the 15,000? Yeah. Yeah, that was part of the loan. So his parents gave us 15,000 so that we could pay off one of his debt. Why is it always his debt? Why is it always his debt? Because he has a better credit score and he had more income. So we put a lot of the debt under his name. And you're okay with this or does he push for it to always be his debt? Because it's like always his debt.

Starting point is 00:41:04 No. I mean, especially for that personal loan. That's years ago when I was trying to consolidate both of our debt. I don't know why I didn't include mine. It's just always his. And it feels like he only has a decent credit score because his mommy and daddy take care of them. They put me on an authorize user card when I was very young. I didn't use it when I was young. You're such a baby. I didn't use it when I was younger. Did you guys plan to have a kid?

Starting point is 00:41:25 But they put me on an authorized user so I'd kill my credit when I was younger. Okay, you can stop rambling. Well, it was an accident, and then we chose to once that didn't work. So it was like four months of planning. So $7,000 normally comes in. It was like $20,000 this time because he had $15,000 wired in. Okay? What was spent?

Starting point is 00:41:48 What went out? This includes, yes, putting, money towards things and whatnot, but this is total out. So since I paid off that loan thing, I'd say 20,000 that month. That month? What loan thing? The settlement thing. You're including that? Yeah. That's what it was spent. Putting money towards it. Yeah. If money can come in for it, it can go out for it. 23? Huh? 23,000. 25,000. 25,000. Even with the wire that came in, you spent thousands more than came in. How the fuck?

Starting point is 00:42:23 What is wrong with you guys? I don't even know how we did that. No. Do you guys just enable each other? What are your conversations around money today? What do your conversations? He says yes, you say no. No, I say yes, we enable each other.

Starting point is 00:42:36 Yes, we enable each other. We don't talk about it. What is the conversations around money? You don't talk about it at all? No. When's the last time we talked about money? Sometimes I'll bring it up when we're going to buy something. I'll ask her if we've got the money for it and we'll do a quick check.

Starting point is 00:42:47 And if we do... We don't talk about whether or not. we need it or if he can get it. It says you just get it. He just gets it. I insured that the car payment insurance, all that stuff's paid. Why are you okay with this? Why are you allowing this? You seem like the reasonable one. But maybe not. It's, I just bought two lobooboos for her and lububos. They're just invading this show. What the fuck is happening? They're cute. It's more my daughter wants one. So it's like, well, why not get two? She's three. Yeah. She knows what she wants. Get her something fake.

Starting point is 00:43:22 She wouldn't know. It might be. I only paid $20 for each of them. Those fake ones at the mall and they were actually more expensive. I'm going to kill you guys. Have you guys ever asked them to skip rent? No. Yes.

Starting point is 00:43:35 Next. That was last year. That was December and January, I think. Last year, as in January this year. Yeah. That's my favorite month from last year. The fuck is wrong with you, dude? How are you so disconnected?

Starting point is 00:43:55 He doesn't really deal with any of the finances, the bills. You force her to deal with your parents? Forth her. Why don't you get involved? Why don't you step up at all? I actually asked you for a month to tell them that we didn't have the money. She calls you on your bullshit. You just sit there and you just...

Starting point is 00:44:15 I said, I don't want to have that conversation. It's your parents. It would be easier. You do it and you didn't. And I ended up doing it. Do you not remember? No, I don't. how much of that is an excuse versus real

Starting point is 00:44:29 because he can just say he forgets everything right especially he seems to only forget the tough conversations I forgot we even went to a restaurant I was like adamant that we never been there and she was like yes we had we went there last year I was like he argued with me huh he argued with me but that was a while ago

Starting point is 00:44:44 this this this skip of a rent was only a few months ago yeah I I honestly don't remember and how much did that do you think is genuine 90. 10. There's room for doubt.

Starting point is 00:45:02 Yeah. And it's not good. I can remember stuff like the longer we talk about it. Like once we got to that one restaurant, we sat down. I was like, okay, I remember being here now. But you didn't tell me that. It's a little week later. No, I did.

Starting point is 00:45:16 I thought I told you guys all at dinner. No. I told my parents. No, then I'm just feeling like a crazy person. Like, we had been here. Yeah. You did eventually, but it wasn't that same day. Oh.

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Starting point is 00:48:56 glad you hold her. Glad you buy her little boo-boos. But you're not stepping up to actually help the house at all. You helped while you were jobless because you wouldn't get a job. Because you applied her to two a week. Oh, big guy. To skip rent at the end of last year and at the beginning of this year. To your parents.

Starting point is 00:49:19 You said this place was steps from the water. We just haven't found the steps yet. How much did we save? Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your oceanfront room. Just steps from the water. The Hilton sale is on now. Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected.

Starting point is 00:49:43 When you want savings, not surprises. It matters where you stay. Hilton for the stay. Is that not a joke? And then now that you've already skipped rent, now that you have money, we just blow it all and go negative. in our checking account? I didn't know that we were negative. To be honest, I download the statement. I don't even want to look at it because I am afraid.

Starting point is 00:50:06 Why didn't you guys use a budgeting app like ours? It would literally just tell you. It would just tell you. How much do you spend? And you can, you guys get it for free, so I can take it. It definitely will. Yeah, overdraft fees. Who would have thought?

Starting point is 00:50:28 I didn't know there was any. But I don't like that. How do you not know? I am. Come on. If you're the one that's going to take charge, it's a little unacceptable that you don't know, I'll be honest. I'm afraid to look. I just... You can't be. That's not a choice. I mean, you can be afraid, but you still have to be an adult. I know. I just, I wish that sometimes he would do that too.

Starting point is 00:50:49 I do too. Why don't you? Why are you being such a little... And no, it's not because you forgot. No. Can't use it for this one. I'm like, I look at the state, or not statements, but I look at the... Yamava Resort and Casino at San Manuel is California. California's number one entertainment destination for today's superstars. Catch the Jonas Brothers return to the Yamava Theater stage on April 30th, the powerful vocals of Demi Lovato on May 17th,

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Starting point is 00:51:38 There's a lot of times where, like, I know what's coming in and going out. And then I don't know, like, I didn't know how many credit cards you still had. So I would see, like, a few transfers out to, like, whatever the card was. Why didn't he know how many credit cards you still had? I just didn't want to put the stress on him. Oh, come on. I've heard that excuse from someone else. That's not how this works, though.

Starting point is 00:51:56 It's not fair that he doesn't get to be informed because you're afraid of putting stress on him. Yeah. Well, it used to be, like, that he would have a seizure if he was stressed out. So I'd. Any stress at all? I think the caffeine that I used to intake was a big part into it. Cut that out recently. Listen, in this account, so much came in.

Starting point is 00:52:17 But then, oh, what do we do? Well, we can overdrafts. Why are we overdraft? You know, so we can go to Folli Lobby in Churro Hollywood. Ratsos Pretzels, McDonald's, going and getting some B-Sh-Sh-Bulls. Peacock Premium. No ads. It's quite nice.

Starting point is 00:52:34 Listen, for Love Island, I will allow it. But once it's done, yeah out. Everyone has to watch Hurricane Hood. I am a mom. Cube. I agree. Fantasy land. Resort?

Starting point is 00:52:48 $8.28 for a resort? Was that Disneyland? Probably. Instead of paying back your parents and overdressing, you're going to Disney again. Not loving your AT&T or T Mobile Bill. Yeah, we've been hearing that a lot. Good news. Bring your AT&T or T Mobile Bill to Verizon and we'll give you a better deal. So get away from that unfortunate phone bill and get to Verizon.

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Starting point is 00:53:23 Second half 2025. All rights reserved. It must provide a recent consumer mobile bill in the name of the person who gave me the deal. Additional terms, conditions and restrictions apply. What the fuck is wrong with you guys, though? It was the last... If we're overdrafted and we are not going to Disney.

Starting point is 00:53:35 It was the last time we could. go before my daughter had to pay for her tickets. No, no, no, no, no. You don't get to go to Disney if you're overdrafting. Like, flat line. Well, we weren't overdrafted at the time. You were over in that same month, which is, that's what you led to it. So what, you led to it.

Starting point is 00:53:54 That makes sense why we spent so much then. We went to Disney. And she doesn't even know. You couldn't even bring that up. Incoming Wire Feed, Dunkin' Donuts, Hobby Lobby, Amazon. Pin Cow Thai Restaurant. It's so stupid You guys are spending so much money

Starting point is 00:54:11 Sometimes when we go out to eat the bill covers For all five of us You You don't have money You owe everyone in the world money You, you don't go out to eat once Unless someone else is paying for it Your daughter's life is at stake here

Starting point is 00:54:29 In terms of her future In terms of any health savings account In terms of any school savings account In terms of you guys have in retirement So she doesn't have to put her life life on hold in her 30s to support mommy and daddy who never sacrifice. And how do we know mommy and daddy never sacrifices? Oh, because they live with their mommy and daddy.

Starting point is 00:54:45 Yeah, that's the life that she's going to be living and putting her life on hold for you guys, immature parents who choose tie over their future. Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition. I wouldn't mind her living with us, but I don't want her to pay for us. Yeah. Yeah.

Starting point is 00:55:16 I want her to be able to go have her independence, though. She wants to live with you by choice. Okay, maybe, unless she's being enabled. But she shouldn't be forced to because mommy and daddy never took care of themselves. This is disgusting, guys. This is disgusting. Unacceptable. I mean, ending with $2.

Starting point is 00:55:34 It was from an afterpay payment and a Klarna payment. Yeah, those are her. That's what we show is over the official edge. Because all we do is finance, finance, finance, finance, bullshit, stupid dumb-thery. How much we spent going out to eat in the most recent month? Household. Household, what do we think?

Starting point is 00:55:55 I know we don't budget, but we at least go do it. So we should have some kind of internet. 500? Okay. It's a lot of money. That's a ton of money. What the fuck? What is the difference here?

Starting point is 00:56:06 What is the, you both said you look at it. Why are we so disconnected again? I would love to know. Because I don't itemize stuff. I just know that. Well, I spend at least. Probably 250 a week. DoorDash.

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Starting point is 00:56:45 so you can spend your time. learning to trade brilliantly. Learn more at Schwab.com slash trading. And then if we go out to eat every weekend. Yeah, $1,800 by the way. Eye is close. Unacceptable. Disgusting. Embarrassing. What the fuck is wrong with you guys? Well, it's usually easier to order food. No, it's easier. That's the point. And that's why it's more expensive. You dumb tit. That's how it works. Easier doesn't mean cheaper. Easier doesn't mean it. It makes more sense. How many hours a week do you work? 40. You. How many hours a week do you work?

Starting point is 00:57:16 40. You meal prep, budget-friendly cookbook. This is simple. Dude, you guys live with the grandpairs. Shut up. Started doing factor. Listen, and that's good for people out of debt. They sponsor us.

Starting point is 00:57:31 I support them when you're not financially. Do you have an $188,000 hours of bad debt? $120,000. $122,000, $463.14.14 of bad debt. You're $1,800 that went to eating out? Yeah, that pays that off. in literally 68 months. That pays that off in five and a half years.

Starting point is 00:57:49 Is that great? No, but that shows that you can at least make progress. How much was your mortgage when you had a mortgage? 1800. Oh, well, how convenient. And now instead of contributing to an asset that goes up in value, we blow it all on food. Money are from parents, a debt consolidation.

Starting point is 00:58:11 So the debt consolidated for you, 15,900, $14,100 for a car they paid off for him because they only do him, by the way. What a joke. So $30,000. And then your minimum fee payment is, again, $300. So it takes 100 months. Obviously did that math earlier, but even still,

Starting point is 00:58:37 even with my math being wrong earlier, because it still takes almost nine years to pay this off to your parents. How old will they be in nine years? 74? 73. You're okay with that? And also, is that true? I don't know they're ages, but...

Starting point is 00:59:00 My dad is 30 years older than you. So, yeah. Come on, guys. And then you pay rent to them $675 a week. It's expensive. You could totally rent the house. Again, they sent me places, but... But that covers utilities too.

Starting point is 00:59:17 And daycare, technically. Yeah, but they... You don't have to pay grandparents for daycare. If they're good grandparents, you know? Yeah, it's utilities. However, they bailed you out in every way possible. So yes, you probably should. But you should just probably pay them back for the debt.

Starting point is 00:59:30 Not pay them for daycare. It gets a little weird. But $35,100 a year is substantial. $3,000 is essentially a month in rent. That's brutal. Plus the $300 that you pay on the debt to them. That's insane. That's included.

Starting point is 00:59:45 Yeah. The $300 a month. What is our plan with the living situation, guys? because, again, it's a bit weird. Are we going to just live there forever? I'd love to move out maybe in like three to five years. Three to five years? Yeah, I want to build a savings and stop using.

Starting point is 01:00:03 I agree, what you could have done, but you blow $1,800 and just going out to eat a loan. And then there's other spending categories. That's not the only one. Miscellaneous bull. Could be video games, it could be whatever. It's this miscellaneous that doesn't contribute. 2,300. So now 2,300.

Starting point is 01:00:18 plus the 1800. What is that? $4,100. We owe $1.22K. That pays off the debt in 29 months. That pays it off in two and a half years. Two and a half years debt free just by cutting out the miscellaneous bull to eat. That doesn't even include the unknown spending, which is $1,000. We'll see what that is. It doesn't need your groceries. It was nothing because we don't do anything at all. So it's like this is a joke. You guys are prioritizing just having fun right now. Yeah, we like to use the excuse for our daughter. They should kick you out. They should kick you out. This is unacceptable behavior. And it's disgusting behavior. You guys are immature and not acting like good parents. I'm sure you love the child and you treat the child with love.

Starting point is 01:01:09 But you're not acting like loving parents for the sake of your household. And the future of the household. And the finances of the household. And it's disgusting. Well, here's a credit card. Oh, shocker. maxed out. Disney rewards.

Starting point is 01:01:24 Disney adults, okay? We don't have anything against them. We do when they're in debt. Disney has a card, okay. Worth a $499.77. With a $40 minimum monthly payment, 15 months to pay off minimum monthly payments without purchases. Oh, we purchased $682.

Starting point is 01:01:48 What the, why are we purchasing on a card that we can't fully pay off? That's where we get the discounts. Well, we went to Disneyland. Fuck your discounts. Disney. This doesn't make any sense. How are we going?

Starting point is 01:02:06 What is wrong with you guys? What is wrong with you? Discounts to Disney? We were. We door dashed Duncan. Door dashed Duncan. Door dashed McDonald's. Went to McDonald's.

Starting point is 01:02:19 Door dashed Duncan. Door dashed Duncan. Door dash Duncan. Door dash Duncan. Door dashed Duncan. Door dashed Wendy's. Door dash Jersey Mike's. Dore dash McDonald's.

Starting point is 01:02:29 Etsy. Door dash double dash. Door dash McDonald's, door dash Duncan, door dashed Duncan, Dorcas Duncan, Dorcas Duncan, Dorcas Duncan, Dorcas Duncan, Dorcas, Duncan, Dorcas, Duncan, Dorcas, Duncan, it is 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 21, 23, 24, 24 purchase on this card, and now one of them was considered in necessity. They were all, in fact, completed, both. And we've had four, we've had three, we've had two late fees this year so far on this car. Guys.

Starting point is 01:03:09 I didn't know there's late fees. It's on. You didn't know you're under and in your checking account. You know nothing even though you're the one in charge of the finances of the household. You guys are children. Never have credit cards again. You are not credit card people. This is what a fucking joke.

Starting point is 01:03:24 But didn't I make a big payment on that one? Yeah, I did. But you immediately spent so. It doesn't matter. And guess what you all spent it on DoorDash. It was $500 of DoorDash. I told you I do like $2.50 a week. Yeah.

Starting point is 01:03:38 I'm Duncan. $250 a week? Duncan? Probably. 250 a fucking week on Duncan? How? Because it's like $20 each time. Like coffee and donuts. Women!

Starting point is 01:03:57 Every day you're getting donuts every fucking. I don't know. You will be. Yeah, probably. But I get everyone else breakfast too. Fuck everyone else. I don't care. You all $20 door dashing donuts every single

Starting point is 01:04:17 fucking day. Fuck you, fuck you. Who's everyone else? His parents and my daughter. Okay. No, I work for. From home. All this and you work from fucking home.

Starting point is 01:04:29 You absolute degenerate piece of shit. You kind of are acting like a piece of shit. You owe them money and you buy them donuts and you spend $250 on Duncan, DoorDash, a week, a week? Yeah. Just Dunkin' Donuts alone. Followed to debt would pay it off in 122 months. Yeah. You guys are acting seriously like 14-year-olds.

Starting point is 01:04:59 Like 14-year-old teenagers living at home. Just because they are enabling allowing you to say they're, yes, you're paying rent, but look what they're allowing. And they're giving you money and paying off your debt because you can't figure out anything in this world. You guys are children. You are actually children. Are you not embarrassed? Yeah. Yeah.

Starting point is 01:05:20 Then why have you done fucking nothing? Huh? I just don't even know where to begin. Uh, not $250 on Duncan every fucking week? Where would you begin? I'd look there as a start. I don't know. It's a mess.

Starting point is 01:05:41 That's for sure. Yeah, great response. You've done nothing. You haven't tried to do anything. This is, you're embarrassed yet you've done nothing to fix it. Children. We've definitely fallen into a complacency of convenience and comfort. Shut the fuck up.

Starting point is 01:06:00 The pregnancy, I would say. Oh, because of the pregnancy three years ago. Three and a half years ago. What an excuse. What a disgusting excuse. What a moronic excuse. What an embarrassing excuse. You want to be attached to that excuse?

Starting point is 01:06:15 No, but we also spent worse when before I was pregnant. So it's been not just that. Yeah. Because we used to make more money before I got pregnant. What? How much did you guys make? You'd make good money now. I feel like 175, I think, a year.

Starting point is 01:06:37 Oh, I'm just going to fucking take a shit all over this table. What the fuck? They just, they let me in on some lore. You went and got a $4,000 necklace while you were unemployed in January, which is, by the way, a month where you asked your parents if you could not pay rent. What are you, dude? What the fuck is wrong with you? Is he going to conveniently not remember this one?

Starting point is 01:07:01 No. He told me he felt spendy. He felt spendie. That's the way he told me. What is that? I don't remember using that term ever. But I don't. We even told Lindsay when he said that.

Starting point is 01:07:18 I felt a little spendy. You literally told Lindsay a couple days ago. Yeah? Confirmed? What is wrong with you? When he likes something, he's hyperfocuses on it. I do too, but doesn't mean I kid it. I do if I can afford it.

Starting point is 01:07:39 Yeah. To be fair, I think we did have that in our savings. It just made it to where we couldn't pay for anything else. Yeah, Lindsay told, Lindsay says she'll, she can tell us exactly what he said because you have some conveniently timed amnesia. Okay, so you said that you paid $1,800 for it and then you financed the rest. That was her ring. You did say that you were, oh, that was the ring?

Starting point is 01:08:12 Yeah. Oh yeah, because you also bought her a ring for $3,000. It's a sicker. Yeah, while unemployed. And asking parents for delayed rent. Uh-huh, yep. And then, so one of the reasons why you bought it is you were sold by the salesperson. You felt a little hustled.

Starting point is 01:08:29 They told you that it would have been $12,000. And you really were just getting jealous because you kept seeing people wearing them. And Kylie actually wanted to buy you a $100 chain that, was gold-plated, and you went ahead and did this. Now, Caleb, but here's the sentimental part. He spent $4,000 on this, but then he had part of it made into a bracelet for their baby that I'm sure she'll grow out of. I'm just, I'm reading you for filth on that.

Starting point is 01:08:57 It's already pretty tight on her. It's already tight on her? What the fuck is wrong with you guys? What is wrang with you, guys? Making money moves should be simple, and that is why I use cash app. It's fast, safe, and way easier than other apps. There's no hoops, no hassle, just the tool. you need. Cash app makes sending and receiving money stupid easy. I sent up in like two minutes

Starting point is 01:09:17 and I've been using it ever since to split rent, cover dinner, even pay my barber without awkward IOUs. Plus, if something looks sketchy, cash app gives you a heads up before you send like a personal bodyguard for your money. And yeah, you can even customize your payments with notes, stamps, and fun backgrounds because paying your friend back doesn't have to be boring. For a limited time only, new cash app users can use our exclusive code to earn some additional cash. For real, there's no catch. Just download cash app and sign up. Use our exclusive referral code, Caleb 10, in your profile, send $5 to a friend within 14 days,

Starting point is 01:09:55 and you'll get $10 dropped right into your account. Terms apply. That is money. That's cash app. You're, this is, oh, this is so embarrassing. Are your parents not embarrassed? Do they ever say they're embarrassed or disappointed or disgusted? because they should.

Starting point is 01:10:12 No. We don't talk about stuff like that. They don't see it though? Because you ask for delayed rent the moment you spent on that necklace bullshit. I mean, the conversation was had with me because I had to deliver the news and I don't feel great saying, hey, this is what was spent on the necklace. Did they know about it? Yeah. About the necklace.

Starting point is 01:10:34 They know you did it in the same exact month. Mm-hmm. And? They didn't really say months. Oh, they're... They're equally disgusting because they allow this. They refuse to promote any kind of growth among you guys.

Starting point is 01:10:50 They allow that? What is wrong with them? Yeah, you're going to confess all this post show to them, but I might have to yell at them. It's a 27.2% interest rate? You're wearing it? Oh, my... Oh, what are you fucking Sazam?

Starting point is 01:11:13 This is... He likes the flash. He wanted a cross, but I think... thought that was more him. So I said, get this one instead of the cross. Looks like a middle schooler. You wear it every day at least. I do. Get to the money worth. Can't return it, so.

Starting point is 01:11:38 I looked at that for my ring that I got. Can you ask his parents if you can return him? They may not want that either. All right. What is this BMO platinum card? Oh, that was the, a more recent card that I opened when I... Why? To try to boost my credit backup. Because what was you?

Starting point is 01:12:00 Just pay off your fucking debt. Well, I'm doing that, but it doesn't... No, you're not. Oh, shut the fuck up. I just looked at one card. You spent $250 a week on Dunkin. Shut the fuck up. No, you're not.

Starting point is 01:12:09 You don't know what you're talking about. What kind of bullshit is that? That is a fuck you bull's... Fuck off. What? Fuck off. When did you open this? Come on.

Starting point is 01:12:19 Don't bullshit me. I want to say in... 2023? Maybe 2024. Okay, so it's not new. Newer. Okay. That's my latest.

Starting point is 01:12:31 We spent $499 on this. Again, it's maxed out. No one is surprised. There's fees going. We have fucking payment plans. 15 months to pay off minimum payment's only without any purchases. But do we always purchase? Yes, we do.

Starting point is 01:12:47 Yes, we do. So we owe $476.41 with a minimum of $53.55. Okay. Not one. considered possibly good purchase. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. What is wrong with you? Pull up your Amazon for me.

Starting point is 01:13:11 Right now, lady. I don't have an Amazon app. So it's you? It's you? She usually sends me the stuff when we need to get stuff off Amazon. Need. Let's see, need. Oh, you Android freaks. He made me a switch when I got on his phone thing.

Starting point is 01:13:29 You can be on an Android. I just don't know how to start a screen recording, so you better start it for me. Do you know how to? Nope. I'm not tech. He might, though. It's going to say, I have this one, too. You got it.

Starting point is 01:13:41 Potty trading fine. Bucky's 50-count tub? Buckyes. Oh, that was my Mother's Day gift. I wanted to talk about it. You don't need it. Mother's Day, happy Mother's Day. I'm paying off your debt we owe you.

Starting point is 01:13:54 I don't sell Buckeyes in Las Vegas. I had to order them. So? I don't. You've had more purchases than this. I know for a fact, because there's literally more purchases on here than I am seeing. So there's something wrong on here. It's like it might be this.

Starting point is 01:14:09 What the fuck is this? I thought you didn't have the damn app. I don't. It's just on Amazon.com. Oh, my gosh. Slippers definitely don't need that. The slippers, I think, were my mom's mother. Payment revision needed probably because we're maxed out.

Starting point is 01:14:22 Yeah, yeah, yeah. Of course. Three-packed short-sleeve shirt. More short-sleeves shirts. Oh, they sent me the wrong one. Pet Soft Mail dog diapers, old dog? Yeah. This is crazy.

Starting point is 01:14:36 Spin toy. So many things. Lots of laundry. It's like, I'd say it's like 30% bullshit. The rest of it I'm okay with, but you spend so much on Amazon. You found out that he has multiple Amazon accounts that he's paying for at one time?

Starting point is 01:14:51 It wasn't multiple Amazon accounts. It was multiple, like, subscriptions. Like the one was our yearly, the yearly one. Why? Because that's just the one was like Amazon. on video. The one was... For her tablet.

Starting point is 01:15:02 Crime comes with everything, yeah? Not anymore. I think they like charge for... I think you pay one annual payment and I think we pay a monthly one too. I pay one. And then I do think there's a monthly one. I'm not sure what exactly

Starting point is 01:15:18 it's for. I think it's for video. And I think the other one is for just... We have interest charging this year. Fees. You're on a payment plan for this one. This is... I don't know, guys. after pay.

Starting point is 01:15:32 Who's the afterpayer? Me. Screams you. Yes, it is usually. These are all mine. It seems like a very feminine product for some reason. I don't know why. It just,

Starting point is 01:15:39 why is it women that use after pay so much? To be honest, it's out of convenience. Like, if I don't have my card on me, I'll just do it. Have your card on you. Debit only. Because you can't afford a single fucking thing.

Starting point is 01:15:50 Pull up your after pay. Yeah, you have your card thing on the back. What is it wrong with you? Well, he carries our main card. I don't carry it. All right. After pay. here we are.

Starting point is 01:16:01 Oh my gosh. The way this thing just sells you to spend more money immediately, just right down there. I don't usually log in that either. So I don't really know what it looks like. I don't know how to navigate this. I've never used it before. Okay. Well, this $44 payment, $30 was due in a day.

Starting point is 01:16:32 Someone just sent you a video snap. Probably our daughter. Yeah, probably our daughter. Well, like, it's a video of her from his mom. Old Navy Pandora? Yeah, it was for my mom's Mother's Day gift.

Starting point is 01:16:46 What is, you guys are so weird. American Eagle, Crox, Sheen, DSW show, Lulu Lemon. You can't see. You're not buying Lulu.

Starting point is 01:16:56 You're at least getting fabbletics until you're out of debt, dude. Old Navy, Old Navy, Old Navy, T-Moo. We're going to T-Moo, but we're also going to Fibon Lulu. Old Navy, Gap,

Starting point is 01:17:06 Carter's Gap, Carters, Gap. Come on, Carter. Carders, carders, carters. This is such stupid. Kids grow fast. Who f-f-fuss this is work, man? It's ridiculous.

Starting point is 01:17:25 You paid off the balance because it was small, but it's still stupid. Discovery card. Which one? Whose is that? I don't know. It's in collections. That's probably mine.

Starting point is 01:17:36 $8,6002. Oh, that's my. Pass due? What's going on? Is it in collections? Yeah. Well, I make payments. I make payments.

Starting point is 01:17:44 on it. You do? I do. Forever? Pretty much. Oh, fuck's sake. Okay, so you owe $8,602. What's your minimum monthly? $50. That's an... F*** me. Is there interest on it? I don't know. If there's not, it still takes 172 months to pay off. That's insane. 14 fucking years. It's going to fall off your collections by then if you didn't touch it. But you did. But literally would have fallen off in half the time. Not that I necessarily even... I mean, I appreciate a accountability, but it's still, this is actually I don't think

Starting point is 01:18:20 those are paid. I don't think I pay on that one because when I did that debt, national debt relief thing, they put a power of attorney on it where I can't get it removed unless I like mail them in something. This debt? Yeah. I'm sorry, I paid 50 on a different. Oh for sake. We don't even, so this is just on there? And the debt consolidation? Has it done anything? This is on for the next five years. Okay. So what is the city card that

Starting point is 01:18:45 is $6,189. That's the one I pay the $50. So pass, okay, so it's worth, okay. So, okay. But you do have that on your credit, the $8,602. Why are you going into collections and mommy and daddy are paying off his debt? Well, when we sold our house,

Starting point is 01:19:03 I used, I think, maybe $25,000 of our profit to pay off credit cards because they were higher. That's fucking crazy. And remember his name is Timothy, but that's crazy. $2,493. So what you currently on this.

Starting point is 01:19:20 It's $50. It's on the record for the next five years. Let's see. It's going to take 10 years to pay off. Wait, did I do that right? Probably, yeah. No, it takes four years to pay off.

Starting point is 01:19:39 Oh. That was the original mask. Oh, my, here's another one. Okay, who's the WFBN? They're all mine. What is wrong with you? Why did you go into collections? Because I would reference.

Starting point is 01:19:50 rather deal with it than have him do it. Why collections? Why not fucking make your payments? Instead of going into collections, you tit. Well, that's that national debt relief. I was under the impression that they were sending the payments and they told us not to say. They negotiate with them and then you pay them and then they usually pay off. But they wouldn't negotiate until we had like a balance in our account with them.

Starting point is 01:20:10 So that's in the meantime, all of our stuff was going. Did you do anything with that? No, they told us not to. So then I called the company and I was like, Like, this is not what I thought it was. And I closed it. We got the funds back. Oh, you closed it.

Starting point is 01:20:24 Great. Okay. Yeah. Well, you owe it. So now it's all, that's so stupid. Yeah. 3,589 is out on this one. Are you making payments?

Starting point is 01:20:31 I don't think so. Okay. So is just sitting there just strong. Yeah. Your credit must be f***ed. Yeah. There's another one. This one's on your record until nine years from now.

Starting point is 01:20:40 Paid. Oh, wait. Closed. Wait. Joint auto loan paid closed never late. Okay. Hold on. Original balance, $57,8,851.

Starting point is 01:20:49 This one's done. This is the one that his mom paid off. Yeah. They paid the negative equity. That's insane. They baby you so much. You guys are never going to be independent. You're never going to be able to survive on your own.

Starting point is 01:21:02 How could you? You guys don't do anything. You're incapable of doing anything on your own. We did for a little bit. Yeah. I know we... Then what changed? I think the impulse decisions of

Starting point is 01:21:19 going down to one income really screwed us over. And why did we stay at one income for so long guy? Because you were a pushover that did nothing. Yeah. You were lazy. Stay at home, dad. Stay at home, dad, but for an entire year of that, you were living with your parents, which, who are retired?

Starting point is 01:21:37 So shut the fuck up. It's in a full year. Come on. Shut the fuck up. That's some bullshit, dude. You can use an excuse for a year, but not the second one. It's like eight months. Come on.

Starting point is 01:21:48 you're okay with this I mean at least he has a job now yes after he was bullied by his parents because he's a child yeah they didn't bully me oh come on dude I don't trust you in a workplace at all

Starting point is 01:22:10 you got cease and desist from a previous workplace they're weak-minded my one boss yelled at a deaf or a half-deaf employee that his name was on the building one time the guy was the nicest guy in the world yeah sounds like the boss may have been a dick we get that

Starting point is 01:22:24 for the reasons you claimed that they were wrong was objectively not. They didn't like that I was right. You've never been diagnosed and you never claimed. You never ask for workplace disability of any kind of treatment. You have absolutely nothing. You have no standing. And no offense to them being weak-minded, but clinically I think your mind is the weak one. It gives up on you all the time.

Starting point is 01:22:47 And you forget things. Mike. Unfortunately very true. It's sad. It sucks. But. We're being real. Okay, what is this?

Starting point is 01:22:58 Mojila. Must be my student loans. And never late, deferred. Okay, well, they're deferred. On some save program or something. Great. Until next year. Until next year, because it's done.

Starting point is 01:23:10 Yeah. It's done. They said, no, no, bye-bye. It's coming back. What's your student loans total? 15,211. Is that you or is that you guys combined? That's just me.

Starting point is 01:23:20 His parents paid office. So for what? His parents paid his? I think so. You're embarrassing. You're embarrassing. You're embarrassing. You wanted to just be with a guy who's never been able to stand up and do anything himself? He can. But he never has.

Starting point is 01:23:43 Congratulations, he busted a nut once when we have a three-year-old. That's the one thing he's provided. Well, it's a good addition. It's a good addition. That's the one thing he's ever done. So what do you have $15,211 for? When did I go to school? I think 2019 is when I did online school.

Starting point is 01:24:08 For what? What's your degree? Do you have a degree? I don't. You dropped out? I dropped out. And it was for a bachelor's in accounting. 40% of people who have student loans drop out. And then fit in right in with that statistic. Yeah. I mean, this payment will probably kick in when? When does it say? April of next year.

Starting point is 01:24:24 Okay. That's going to come quick. And your payment is probably going to be about, well, with your guys's joint tax returns, you file jointly? That's going to fuck you with this. It's good for a lot of things, but it's going to fuck you with this. It's probably going to be about $175 a month. Yeah. Almost double what it was when obviously he wasn't working.

Starting point is 01:24:49 That's going to fuck. That is going to suck in April. Uh-oh. Another checking account. Another checking account. At least this one's positive this time, but it's gone down dramatically. It went from $2,000 to $305. I guess in the debt calculations that my team did,

Starting point is 01:25:10 they put in the car loan on your collections, or on your credit, even though it said it was paid off. So we're actually crossing that $57,000 off of your debt from the $122,000 that I named at the beginning. So that's an error on our part. Well, we do have a lease, too. So that might be that status.

Starting point is 01:25:29 I don't know. I don't think it was that much, but. What the fuck is your lease? 530? A 30 a month? Okay, yeah, another minimum fee payment. Stacking up. What's your car?

Starting point is 01:25:42 Honda CRV. And what's the term? 36 months. And what's the year of the car? 2025. So you guys just took this out. Yeah. What is wrong with you guys?

Starting point is 01:25:55 We were trying to get out of our... Why a lease? Old car. That you didn't pay? We did that separately. What old car? What are you talking about? I had one before.

Starting point is 01:26:01 What are you talking about? Huh? You wanted the car so you could drive to work. Oh, yeah. And I told him to wait because his mom has a car that isn't used. And you could have used your mom's car. And you're like, no, let's go into debt. Well, he can't drive either.

Starting point is 01:26:18 So he was under the impression that he'll have the, be able to. Wait, wait a minute. Why the fuck did you get a lease if you can't drive? I could when I started the job. Yeah, but you just got the lease. No, I think you were a week away from when you could drive. And then you had another seizure. Now we have a lease of a car we can't use.

Starting point is 01:26:37 I use it sometimes. Yeah, but what about this other car that was paid off? Yeah, it's still in our garage. Oh, my. Guys! Go! What? We did need a third car.

Starting point is 01:26:55 I think you wanted one. We needed it. Why don't you need a third car? One person can drive. There's times where my dad is watching my sister's kids, and so he's got that car over there, and then my mom goes places, or she'll take the kids somewhere,

Starting point is 01:27:08 and then if we need a... Cool, and that's the rare opportunity where you can just take an Uber. That adds up fast. I did that when my parents are up. It's a rare time where you need a third car. It's actually once. Well, no, not a third car, but I did have to Uber.

Starting point is 01:27:23 It's like once a month. Oh, no, once a month. I'm sorry, was that a $530 Uber? No. Then fuck you. What are you talking about? You were just trying to justify. You were just feeling spendy and you got a car lease.

Starting point is 01:27:40 I guess. This is being. I do stuff like I feel like we need like I genuinely feel like we need things like Let's see a fucking therapist and cope Because this is insane you do not need this If you need an extra car once a month you can Uber and it is much more cost effective and it's fine Is it as convenient? No but I don't give a fuck you guys are in debt you live with your parents You can't do anything you guys are probably behind on retirement

Starting point is 01:28:05 Oh yeah Okay you guys are behind on retirement so what the fuck are you talking about? Need another car you you don't even get to keep the car in the end you'd have to buy it out. It's a lease. Baked it all into the monthly payment. Ridiculous. Okay. So there is a hidden debt. Fucking stupid. Oh, we're DoorDash and Kudoba.

Starting point is 01:28:30 ATM which wrong. Who knows what the $123. Jimmy John's $23. Oh, these. Oh, camera. Camera look. What? McDonald's door dashing Wendy's. We got a third car so that we can get things delivered to our house. I have to get stuff delivered to the office.

Starting point is 01:28:51 because I can't drive. I don't have a car there. You can, um, uh, pack a lot, you fuck. Oh, he started doing that. You ginger, that's why those aren't from this month. No, this is from the most recent month. I don't give a fuck about what you did two weeks before coming on this show. Everyone uses that excuse. Everyone, the moment everyone knows are coming on the show, they're going to pack a lunch for a couple weeks.

Starting point is 01:29:10 I'm going to look so good. No, you're not. This is what you were doing. DoorDash and Wendy's selling money out. $675. That sounds like your weekly run. ATM O'Don, no, no one knows what that went $153. Door dashing Panera.

Starting point is 01:29:22 Las Vegas Aviators. Las Vegas. Las Vegas. Las Vegas. Galleria. Sinabund. Lulu Lemon again. $325.

Starting point is 01:29:32 What is wrong with you guys? You guys are broken. You guys are broken. You guys are broken. Box lunch, door dashing McDonald's, door dashing Dairy Queen, door dashing vans. ATM would draw $63.

Starting point is 01:29:43 ABC. Disney. $256. $2.56. Door dashing McDonald's. Doordashing Cafe Dordashing Chapoley HATAMADC

Starting point is 01:29:55 Hulu Cine marks don't even a good movie theater Dornashin Panera bread Cinerd They had the Red Guardian Popcorn Bucket Huh? They had the red Guardian

Starting point is 01:30:04 helmet popcorn bucket Yeah and they also have a shitty movie theater with the audience It's very very bad movie theater That's why the audience That you're with

Starting point is 01:30:12 And I can't watch movies It was empty theater They're so rowdy Well I couldn't see over the seat though Yeah, they hit high seats Yeah she's like 5 foot one

Starting point is 01:30:19 I thought I wish. I thought they were normal. Are you shorter than that? How tall are you? I'm five foot. How tall are you? 5.11.

Starting point is 01:30:28 You must just be slouching. We have like the same torso. You just have a very tiny legs. Yeah. Very curious. Zellian out. There's your weekly round. Doordashing Popeyes.

Starting point is 01:30:37 Box launch, Doordashing McDonald's, McDonald's, Anthony Ans, Bach launch, Express Las Vegas and Sonia cookies. This is you guys are eating out approximately four to five times a day. Both of you combined. That sounds accurate. It is insane. It is insane.

Starting point is 01:30:54 You should have picked a wealthier man. McDonald's, Anteans, box lunch, express, Las Vegas, insomnia cookies, man cave salon. Hair cut. And it worked so well. Smith's, Amazon, Amazon, ATM, $163,

Starting point is 01:31:12 yardhouse, build a bear, anteant's. Freddy's Sabaro, door dashing, Cafe, Amazon, doordashing, Panthers Express, Doordesion,

Starting point is 01:31:21 McDonald's, Antianns, Antianns, Lulu District, ATM will drop. First of all, I've never seen someone that goes to this much on Antianns. And also, they're telling me you spend more in your hair than she does on hers. It's my daughter. She loves pretzels. I don't give a box of hard pretzels. We did.

Starting point is 01:31:37 But when we're out shopping at the mall, she needs to something to eat. Stop going to the mall, you don't, you have no need to go to the mall. You have no need to go to the mall. It's her exercise. Mall is all bould spending. Yeah. They're walking around. Walk inside.

Starting point is 01:31:51 at house. And talk about budgeting. Do we're asking Popeyes, Mitchell Garrow. $102 of overdraft fees years so far on this checking account. That means that's approximately I'm going to say that's about five over drafts, four to five overdrafts.

Starting point is 01:32:08 This year, we're six months in. Actually, four months in at the time of the statement, she means you overdraft every single month. At the time of the statement, when we're five months in, you overdraft likely every single month at the time of the statement. You guys live in an embarrassing life and you should be ashamed. And I'm sure we can budget you out of this because the fact is, the fact is, this is all fun spending.

Starting point is 01:32:35 This is like this should be actually a pretty easy budget. You can have a cheaper rent. Should be, yeah. All right, your income is $7,000. Let me get your debt minimum month, please. Not including a mortgage because there is none. Debt minimum wage alone without an asset to our name. Order to agree, $973.55.

Starting point is 01:33:04 What's your rent to them monthly? Sometimes it varies. Okay, what's the weekly? 675 a week. 675, we'll at least budget for four a month. Okay, 270. That includes utilities and all that. Yeah?

Starting point is 01:33:17 Mm-hmm. Okay, car insurances. We pay 160. Gas, room, room, drive, drive. Maybe $50 a month. Phone bill. Does parents pay it? We're on a family plan.

Starting point is 01:33:31 Child. Should at least pay them. T.P. Find anything else, you guys and your daughter need to survive? Toothbrush activities, blah, blah, blah. Give you $200 because you guys live with the grandparents. $200. Obviously, daycare would be a bit more, but you don't need that, so you don't have to worry about them. How does the grocery situation work at the house?

Starting point is 01:33:49 Basically, his parents buy groceries, and then they pay groceries, and then they pay. prepare dinner. Fuck you. I'm going to give you $100 just to get snacks. You guys. This is the most thing ever. What is the medical? What is the medical?

Starting point is 01:34:02 Expenses, co-pays anything? Yeah. How much a month? Say probably $300. You need gyms? That's expensive. Any gym? 26 a month.

Starting point is 01:34:11 That he doesn't use. I'll keep it. Use it. Subscriptions I'll give you, I can probably fit in 50 bucks because you guys are doing nothing. So 50 bucks, you decide where it goes. Pats, you have a lot.

Starting point is 01:34:22 a dog. We have three dogs. Okay. One's unhealthy and old. What are the ages and healthy of the other two? Seven and five? Yeah. Okay. Age or health? Good healths? Well, it's good. Yeah. Pet insurance on either them? No. Okay, we'll put in 70 bucks for pet insurance. Get pet insurance. It'll save you guys a lot of money. Just get proper pet insurance. There's a lot of shit ones out there. So just hop around. Pet food. How much on a monthly basis? About 50 bucks. You guys pay for that or grandparents? We pay for it. Okay, 50 bucks. This is going to be so easy. I have a feeling. Guys bring in $7,000 a month

Starting point is 01:34:56 and what you need to survive is $4,679 and $55. You guys are going to piss me the fuck off. So you have an extra $2,320 left over. I'll give you $320 for fun. $320 and $45 for fun. It's a fucking stupid. So $2,000 left on a monthly basis.

Starting point is 01:35:18 So it's going to take a while. But your debt is different because we put in that car. You don't have to figure out. I'll just give up the lease when you're done. You don't need a third car. or sell the other car that you have stick with the lease and then buy it out at the end or get a new car. She had a headhunter reach out to her recently for an office job so you might need that car.

Starting point is 01:35:38 Well, that's fine. But either way, we have a few years to figure that out. Sooner loans were a minimum payment until it is paid off. Same with the chargebacks. Not freaking out about that. So the bad debt that we're focusing on paying off is the $30,000 to our parents. The credit cards was about $1,000. student loans we're going to let's it.

Starting point is 01:35:57 Charteroffs are going to let's it in that car loan doesn't exist. So $31,000 is what we need to focus on paying off. $2,000 a month takes 15 months. This is the easiest for the world. It takes 13 months. Boom, fully funded emergency fund. About, let's call it, one year and three quarters. Keep mere minimumity payments on the collections.

Starting point is 01:36:16 Let the other ones fall off. Minimacy payments and student loans are those kick in and figure out what you need with the car by the end. But this is so easy. And you guys can move on and live your life. You're just acting like children. And I'm honestly really disgusted. and it's really disappointing and you should be embarrassed and disgusted like I am. What a fucking joke.

Starting point is 01:36:32 I'm going to give them their Hammer Financial score, but make sure you guys come to the post show. Remember, Hammer Elite is free for this month. All you have to do is submit proof of purchase at Hammer Elite.com, and we'll reimburse you with a digital gift card. So join us in the post show. We're going to call their parents and we're going to have a heart to heart and confront that. Spending in a budget, you guys overspent. So zero out of ten. Debt, you have collections.

Starting point is 01:36:55 Zero out of ten. nothing to your name. Zero of ten. Retirement, nothing in your names. I didn't see retirement. I have like $500 in my 401. Zero out of ten.

Starting point is 01:37:03 Real estate. Oh, we sold that. Zero out of ten. You guys went from what was likely like a three to a five Hammer Financial Score, maybe even higher, to a literal zero

Starting point is 01:37:11 because you guys are only going to reverse in life and it's disgusting and you should be ashamed. That's just so fucking moronic. Join us in the post show, guys. I'll see you there.

Starting point is 01:37:20 Link in the description below. Hammer Financial Score is zero. You had shared with me that you're an authorized user on your parent's credit card and that you spend on it and then they pay it off. Yeah. You.

Starting point is 01:37:31 Why are you okay with this? Hey, call your mother. So they owe you guys $30,000. It's members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content. You can't reason with the sun. Trust us.

Starting point is 01:37:50 We've tried. This summer, it's time to put that angry ball of fire on mute. Columbia's Omni-Shade technology is engineered to protect you from the sun. harsh rays that can burn and damage your skin. The sun is relentless, but so is our gear. Level up your summer at Columbia.com to spend more time outside and less time slathering on ala lotion. You're welcome. Columbia, engineered for whatever.

Financial Audit - He's A Monster | Financial Audit

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