Financial Audit - His Wife Chooses Pleasure Over Children | Financial Audit

Episode Date: June 25, 2025

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Multi-vehicle discount. Safe driver discount? New vehicle discount. Storage discount. Legacy. How many discounts will you stack up? Tap the banner or visit usa.com slash auto discounts. Restrictions apply. To watch episodes of Financial Audit a week earlier, check us out on YouTube. Let's go to Hammer Court. Plaintiff dumb bitch. What is going on? There's a lot of purchases being made under the guise of for the business. I want to figure out how to bring our debt down so I can afford the car I want. Going to debt to get a car? I mean, some debt.

I'm trying to help you get out of debt to get in debt. You got to spend money to make money. Instead of actually trying to clean up your situation, you ain't got a... Two? Both of them are massive mistakes. I will give them into it. So this is marriage. Download my budgeting app today and take control of your money once and for all.

And for a limited time only, sign up for the annual version of premium, and get my cookbook and notebooks signed and mailed directly to you. and pin comment below. Hi, my name is Valentina and I'm 25 years old. Hi, my name is Julio. I am 23. We live in Palm Beach, Florida. And this is financial audit. Thanks for coming in from Paul Beach, guys. Oh, Valentina, you're in front of me. So let's start with you. What do you do for a living?

I'm a stay-at-home mom and a part-time crochet artist. Okay, so we're married. Yes. Okay, because these days, you know, sometimes we have people not married, some people divorce. Lots of interesting couples. So how long have we been married? I think you just said? Did you not just say? Little over three years? Three years.

And the kids. How old are they? One. He's two and a half. So just one kid. Just the one half. Yes. He's two and a half.

Okay. Good. So, Walt, there's a kid in this picture, which immediately means any of the behavior you're making is likely selfish and upsetting. But okay. And you, what do you do for a living since she does not make money? I make the money. I am a plumber. I work in do-do.

Well, sure. And what is... What does that make? Oh, I make 25 an hour. How many hours a week are you working? Is this enough to sustain one house? I mean, trades can be good, but, I mean, 40 hours a week. I'll make a solid 40 years.

I mean, 52,000 hours a year. Palm Beach, not cheap. Not at all. Not at all. We don't just live by ourselves. We stay with a... We live with my mom. Very nice, big house with family.

Oh, three years into marriage, have a kid, and we're living with mom. Okay, so you're really not being breadwinner, man of the house type, Tradway, if wife is staying home in Tradway, if we're not being able to pay the bills living with Mommy. Okay. Listen. We live with my mom and my brother,

and it's because they got kicked out of their apartment while we were getting kicked out of our house, and we decided to be cheaper. Because everyone getting kicked out of our houses. We lived in a house owned by a church, okay, and they wanted their pastor to move in after we spent a bunch of money trying to fix the house. Why would you spend money fixing a rental?

Because it was filled with rats and roaches. It doesn't make sense. You leave. You report it to the city. I would love to do it. To a lawyer. We were not in the position. We had just gotten married.

It was like half. It was like normal in that area at the time. $500 months. You never put money making someone else's property better. It was supposed to be temporary. Okay. But the money you spent wasn't temporary. We did.

Most of it was my dad's money. We did get months off of some of some rent. payments through the work that was put in. In exchange your free rent. No, that's not horrible. What timeline did they give you before you were gone? It wasn't very official. No, they told us they wanted to move their pastor in

by June. And we left in like April. And they told you when? In like March. Okay, well that's it wasn't a decent amount of time. You were like getting kicked out. Okay, and then why your parents get kicked out? So my my mom and my brother

lived together in an apartment and... Hold your brother. 33. He's autistic. But he's the breadwinner of them too. So his autism is not... They're a pairing. No, they're a pair. Yeah, but if he's out making a kill-in. Well, no, he works

from home. Like, he doesn't entirely at home online. But he can live alone. He could. He's working and making the money. They coexist. I don't. I don't. They cohabit. So the autism runs hard. Yeah. It flows strong. Okay.

Like, he's great. Well, I didn't say autistic people are bad. Did I just say this? No. My lawyer tells me I'm severely autistic all the time. No medical diagnosis. I'm just... But...

But they have co-existed in a way that they're not going to leave each other because it just works. It works for them. He brings in the money. You know, she's retired. That's fine. That's fine. How the fuck are you guys living with them?

Three years into marriage, have a kid. Listen, I'm getting there. All right. My mom is leaving because her... her landlord wanted to move the daughter into their apartment. So we all needed to find somewhere to live. I had a seven month old at the time.

So I was, my mom. So we've been doing this for two years. Just about, yeah. Yeah. Okay. It's more of a roommate situation than like, I live with my mom because we pay half the rent. But you live with your mom. Yes, we live with my mom.

And that's not necessarily bad thing. In many cultures, there's thoughts of family, living communal. Right. But in our culture, it is a little more expected that you're out there. And also, there is a little bit less of a sense of independence in this country, specifically when we're living with mommy.

But in this day and age, especially in Palm Beach, how are you going to house a man to be able to live in Palm Beach? Florida has a lot of cities. Two, you go and work more if she's not working. Three, we're almost to the point where we can get some kind of city-funded preschool type situation. That's the plan. And then we go make some more money on this end.

If we don't want to try. added up. Yeah, that is the plan. He's just not, he's not at that right age to be able to do that. Well, why? How many hours a week are you working? I'm working 40. Okay, you could be working 60. I could be, but my job. If we really wanted to, but if we're going to use that in this day

and age. But like, I'm trying to get on call. They're not giving me. So we can have a job. We get a second job. I don't have. It's all easier said than done, of course, but these are things we can do, especially if this has been two years and the excuse we use. Well, I ain't got no. It's in this day and age. I ain't got no college. No.

No, no college. I guess if you're speaking like that, I can confirm. Yes, sir. I mean, it works for us. I love, like, living with my mom. Like, we coexist very well. Again, I'm not against it.

Guys, I'm just saying... There's no plans to move out because we like where we are and not any... Yeah, not any time soon, even if we could. Okay, well, how do you feel about this independently if she was not being able to hear you? I mean...

Because you're living with her mom. We've already lived. You're living with your mother-in-law. Right. That's a little different than some. someone living with her mom. We already lived on our own. We lived on our own with our son and it was great.

But like you just heard, things happened. Sure. Yeah, but you live with your mother-in-law. How do you feel about that regardless of the money? Because she said regardless of the money, she would stay. This is your mother-in-law. Close your ears. She's not here right now.

There are 100% things that I wish we were there for. And this is what I knew the answer would be. Okay. I am not against this. But I know for a fact that a dude living with his mother-in-law is a little different than the stay-at-home mom living with the child's grandpa. Even me, it's not the easiest thing in the world.

Ironically enough. But it is incredibly helpful. What is your count on a monthly basis? That's a big determining factor in this. If this is something we, well, at least on your end, care about. So, it's like almost four grand. Average 8 to 900 a week. I get paid weekly, which is super sick, by the way.

And then I get a... If you're struggling to budget. Yeah, probably struggling. $850 times $50 times $50? Oh, what? I also get a $200 incentive every month. Every month, okay. Yes.

Okay, okay, okay, okay. Yeah. Also pretty sick. I occasionally make money. That's about it. Cool and what? I do crochet markets. Like, I do, I make crochet things, and then I sell them at markets.

Right. Okay. So occasionally making money is $5 every six months. Okay. Gotcha. Yes, sir. More like $1,200 every six months. Okay. Something like that.

I also, but it can pay off that, but it doesn't really. That is entirely what it's used for usually. Well, I hope so, but we have that right now, so I don't think it's being used successfully, I'll be honest, but okay. Well, you got to spend money to make money. That's... You got to say it. Are you guys enabling each other's insanity? Well, you enable me.

What? What does that mean? I like buying yarn. And he lets it happen. Yeah, the, um... I buy a lot of yarn. There's a lot of purchases being made under the guise of for the business.

Yeah. The business that brings in $1,200 every six months. How much is spent to get that $1,200? I made $2. How much is spent to get that? Like $2 or $300 a month. Uh-huh. Okay, so I'm not going to count that as income.

No, that's fine. Oh, no. Because it's breaking. even at best. True. $3,883 comes in on a normal month if we're making an average. How does that feel?

Is that right? Yeah. Solid. Okay, Palm Beach, that's fuck. Why do we have this thing in Palm Beach? That's where your job is. So my job is like... People take sh-

in all other cities. Right. I'm probably going to take one right after this if this conversation is stressful enough. I have some like plumbing experience, but I'm more in like a very specific specialty version of it. So I can't just go to another plumbing company and say I know everything related to plumbing.

So I think we're figuring something else out. I mean, I mean, that's a, I mean, yes, to be blunt about it. I mean, he's up for raises every six months. Congratulations. He makes $25 in Palm Beach. I mean, like, in a trade. Yeah, but he's doing better. There's room for movement.

That's the thing. He wants to keep growing in this company. Yeah, and Bowles be moving constantly. He's still making $25. How many, how long have you been doing this? I've only been doing it for two years. Okay. So, I mean...

$25 is not bad, but Palm Beach is just horrendously expensive. It's not good. Truth. But the... It's a situational. It's a contextual thing. Right. But the growth factor in this company is better than any other garbage company I've worked with. So it's just like, at a certain point, I don't really have any other better options. Did you go to train school? No, not at all. Okay. Would we consider doing that?

I mean, I did... You would get into something a bit more specialized? If you're working with... with your hands. I know it's hard now because we couldn't go to zero income for the house. Right. But it could be a worthy investment of, okay, you're helping sustain right now. She's home.

Okay, she jumps back in. That allows you to back off invest in your future career. And boom, we go back in together post-trade school and we kill it. I mean, it's... Or you're going to push back against that because why? I mean, I don't see the money. being like you have to pay for trade school you have to put all that effort into there

when I can just keep investing into my job and keep making more and more money because I want to get you closer to like 7580 right now you're at 45 right but I'm like I'm jumping ahead of myself but at the same time the room for growth is very much

like I'm vibing at that I'm vibe literally like there was a like we call them team leads these guys are you try to pick up extra hours and they won't let you It's a little conflicting. It's more specifically in the fact of like there's the ability to become on-call and I've been putting feelers out to try to like, hey, can I get on that list?

Just so, you know, I can get more hours in in general. They really haven't gotten back to me on it. But in the same way, it's like, hey, if I end up having to work on a Friday or anything like that or if someone comes available, I can immediately just offer myself up and go for it. Do I do that? Why? I mean, your schedule varies so heavily to. But you want to be the one that has looked to go up.

Yeah. Why would we be doing not? I mean, it's just the opportunities don't come up as often as I would like them to. And when they do, we... Palm Beach, average hourly wage for plumbers $34. So you're substantially under that in terms of percentage-wise. Is that like an apprentice or is that like a... That's median.

It goes up to 54, starting as low as 21. You're on the low end. As low as 21. Right, right. 21-47. You're barely there. So this growth opportunity Better equal

You're about to double And West Palm Beach Where it's a little lower Hourly wages Range between 27 But cap lower Closer to like $61,000 a year

But you are about $20,000 But like you're taking an average And you're like Palm Beach Gardens About 70,000 hours These aren't averages These are mediums How many real world people

Are like a part of those averages Not averages You got to consider that outline Man. These are medians, not averages. I didn't graduate college either. I dropped out to make money. That doesn't mean I'm a moron.

Right. These are medians, not averages. But. Okay. I mean, I personally don't want to you leaving your job anyways. What is going on? Because rabbit holes galore. What is going on?

We are here to get a car. I want a car. I want a second car. I'm sorry. Am I a dealership? I want a second car. So I want, I'm here.

I want to, I want to figure out how to bring our, like, debt down so I can afford the car I want. Okay, okay,

okay, so to go into debt to get a car? Uh, I mean, some debt. Okay, see,

that's the thing. I'm trying to help you get out of debt to get in-depth. Well, what are we talking about? I want to get rid of my, yeah,

I know, a car loan's a debt. Then why are you trying to differentiate it? I want to get, it's not. The credit debt down. Like,

the credit debt down. Okay. You're going to change your behavior just to get into dad, but you're not going to change your behavior in order to improve your life and actually have something sustainable for your child's future, two and a half years old, approaching the age of going into grade school, which is a very quick trip to, oh, oh, a very quick trip to, oh, oh, oh, are we able to afford college and all? Oh, no, I have to borrow everything to do it because mommy and daddy didn't sacrifice anything, which is a quick way to child being in their mid-30s, 40s, oh, mommy and daddy have nothing to retirement because they f*** around their entire life. They got their entire life, so I got to put my life on hold of the help them because they can't keep a roof over that. Because guess what? Mommy and Daddy's mom is no longer alive being able to actually, uh-oh, you know, fund their entire lifestyle.

Yeah, that's what's going to happen. Exactly, bro. I'm not going to fund anything for us. I mean, she subsidizes your rent, you tit. Well, my brother does. My brother pays his half of the rent. Yeah, but they're connected. My mom does it.

They're connected. Because without your mother, your brother would not be there according to you guys. So. But it's like, is it subsidized if we're all like, if we're all like living in our own spaces? I mean, it's like living with roommates. It is, yeah, I mean, basically. But it also is. Okay, let me ask us that.

Let me ask us that. I'm not against that. I'm just saying it's not going to exist forever. You guys are doing nothing. And your kid's going to put their life on hold to take care of you guys when you don't have enough money for retirement because they will feel morally obligated because they are blood related and their new child. You'll say what?

This is what I'm going to say. This is what I'm going to say. I forgot what I was going to say. I mean, we pay over half of the rent tax. Right. We don't like, we give them, we get them two grand. It's not subsidized. Oh, yeah, it's the roommate thing. This is what I was going to say.

Would you actually, you two with a child, go and get three random roommates? Of course not. Oh, course. So let's not compare this to just a roommate situation. This is being subsidized by your tism brother and your mother. I love my brother. Well, it's not. I just don't like, we love the chis in here.

Big chisem advocates. I'm subsidized, bro. It's like, because like I'm not like, like, I'm paying a, like a very, like a very, solid amount to live in my spot. Like, it's not just... The house is worth it. You're not paying the total amount. For me, just the house is worth it.

I love our house. We got a basement in Florida. That's rare, man. Feels Section 80. We're not Section 80, dog. I mean, we pay more than half. And, I mean, we choose to live here. Okay, so I'm getting you under death so you can go under debt.

That's the big question? I mean, not necessarily... Well, kind of. Yeah, kind of. Because I really, I run this car. Like, this is not... What is it? I want a Kia Carnival.

It sounds like something a fucking clown would drive. Yes. Okay, I want my Kia Carnival. I will settle for a different minivan. But if we can afford a decent Kia Carnival, it's massive and it's cool. To speak like you, it ain't cheap. No, it's not.

No, no. This is what it's... I think even like the used ones, even a decent used one is still like almost 30,000, which was close to what our car was when we got it way back when we had way less money. This conversation will get better when you find out the car we have and the car that I want. Oh, my, fuck.

Okay. I don't give a full. What the fuck do you want? What are we talking about today? Because I'm actually, I'm not going to enable. Stupid. Well, okay. I want to bring down, like, my credit cards.

I want to bring them down, get to a place where I have under 30% utilization and I can get rid of all these cars. It's not even to get the 30% utilization. Less. Less than that. You have horrible motivations for the reason to get out of debt. You are not going to change your behavior in a long term. But I know I'm not going to get it down to zero because I'm still going to end up spinning stuff for like, you know, my yard.

So what the fuck are we going to do then? What the fuck are we going to do if we're not even willing to get it down to zero in order to sustain the wants we have? Because we care about that more. Listen, we're going to get these cards down. I mean, we need the car because I'm not driving him to work every single morning just so I can like come back and take our kid to preschool and, you know, eventually with soccer practice and his friends

and all that crazy stuff. Like the car we have, which you think works for us, we make work for us. I want a car that works for us. So you guys have a disagreement in the car? Heavily. We have a, I forget the year, Hyundai Tucson. Oh, 2020. Okay.

We have a 2020-2-son. All right. Well, then, before we get into these finances, if this is the big thing we're going to do, I'll entertain it and let's see. Let's go to Hammer Court. Okay. Plaintiff dumb bitch And plaintiff minority

Who wants to speak their case first? Bad driver for clear reasons Or bad driver It's because she wears glasses Or Well it doesn't help that she was the only one that's gotten into an accident With our car We're pushing the limit on cancelability

I hydroplane It wasn't my fault Told you It wasn't It wasn't it was Bring your case Plaintiff number One

One Okay. I want our minivan. I do events constantly. And to do events, my car has to be like so pushed down and we have to, you know, I end up buying more things to make it fit into our car. Constantly being like every two months. I have one booked every month for the next few months. Okay. Okay. So, yeah. Okay. I have one booked every, every month. All right. Our car does not fit all that stuff in it. And then we damage the car trying to shove these boxes. into it and, you know, I want a car with bigger space. We've kind of confirmed even with our biggest events that we... It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting at $179, like the next grill 3-burner gas grill. Or get $50 off a select Weber Spirit grill and bring big flavor to your backyard.

Then set the scene with Hampton Bay string lights that bring it all together. spring backyard days for seven days at the Home Depot. Now through May 6th. Exclusion supplies toadown Depot.com slash price match for details. That it fits, though. Because we make it fit. I don't want to have to make it fit. I want a card that fits the stuff.

I want a car that fits the stuff. Rebottle. From defendant. I'm sorry. I'm trying to think of the right thing to say. All right, defendant's either a moron or confused? Tell him why you want what car you want. You're saying we make it fit to me has never made sense if all the stuff fits inside of the car.

Because we make it fit. I've bought different display items just so it fits into the car. I'm spending more money. No, no. Come stand behind him. I want a not necessarily a beater, but just like she gets the Tucson so she has like something close to like the minivan-ish. and then I just take this to Dan. Hello.

What's going on, brother? Okay, argue for him. Give him the mic. You heard his argument. Now, plead it. Listen, we don't need the minivan. We do, though. We don't need a $30,000 minivan.

Yes, we do. Especially when everything fits perfectly fine. Because we make it fit. I have to make it smaller to make it fit. I want a car that fits all the stuff I already have. But it does. No. I buy things to.

to make it do. Okay, so with the stuff that you have purchased, it still works. Barely. And that's if I have low stock. If I have more stock, it barely, it doesn't fit, actually. We have to leave stuff behind and do two trips. I don't want to do that when I'm traveling an hour to an event. This isn't like an every week thing, though.

It's not, but it could be if I had the space for it. On top of all this, our car seat doesn't even fit in our car. We have to push our seats forward to make the car seat fit. It don't start with the, he's going to turn around, because I'm not turning him around until he maxes out the weight, I swear. Our car seat fits just as fine still. No, it does not. We have to move the seats forward.

The front seats hit the car seat, yes, but it is still secure. It is still perfectly fine. Because we make it work for us because that's what we have. I didn't want to buy this car when we bought it. We had to buy it because our car literally stopped driving. Look. Private student loans can make it feel like you're one missed payment away from selling your grandma's heirlooms. I miss you, grandma.

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I have a question. for legal. I have a question for legal. I have a question for a legal. Please approach. Is your client the defendant sticking it in to pop up more babies soon? No. It doesn't sound like it, so I don't think that we need the bigger car. Okay. That was the big question. That was the big question. Like, I'm saying

if we move again for the eighth time now. We have way more stuff to where we're going to need a U-Haul no matter what. Well, even then, if we have to, but suddenly pack up because there's a hurricane going. I will have order! No. I'm ready to make my judgment. May the court please stand?

No. Do I have to stand up? Quiet now. I will have order in this here courthouse. Girl, you're going to get water all over. Quiet now. Being aggressive. Quiet!

Hold me in content. Hold me in content. I will do time. I will do time. This court, with the defendant, she's a dumb bitch. Besides with me? No, the defendant, who do you think you are? You point in me!

Listen, I mean, honestly, though, it's a fair thing. I actually, I know we're being a little silly with it, but it's a fair thing. If we're not planning on having more kids soon, and if everything already fits, and if honestly you'll only use it a couple times here and there, this is a dumb debt to get into. But my thing, like, why am I going to be another car

that I don't want when I could just get the one I want? Because it could be cheaper, it's easier. If there's more cars available, available, to choose between. It allows us to get a better deal, a potentially better rate, a potentially better loan. All I am saying,

this is a horrible reason to get out of debt. To force ourselves to get into more debt for something we're not. Because if you go and search just a specific kind in order for something that's honestly dumb reasons, you are going to do what is ever necessary

to get it and that could be a bad interest rate, a bad term, a bad loan, a car that's not even good. What are you going to say? So, you have said this before. Like, we got a meet in the middle somewhere because, you know, I love you. You love me. Always a friend.

We're a happy family. Heck yeah. We can, like, what would you say? I'll get a cheaper minivan if that's the case when we want to get it in a year and a half. We still have value in the Tucson if we were to like trade that in and try to just get a bigger SUV so we don't get a full-blown minivan. But you've been yelling at me about wanting to have a pay. off car. And we have... But you're going to go get a car on that, so you don't

give the fuck. That's how we've always done it. We pay something off. We get something else. And how's that working? Living with mom? Listen, that works for us. It works for us because you can't afford anything else because of the life you've given yourself. Because of the choices you have made.

Yeah, and now you can't. This goes back to like... This goes back to like... It's a game with free child care and now. I don't think my mom would let us move out because she wants to stay with my son. We're kind of anchored down. She loves myself. Tax return doesn't count that hit, but we know what your income is. It was actually lower last month of $3,500.

But either way, it doesn't matter. And I'm not going to count your income because guess what? We know that it's because you put more money in than you get back. So it doesn't matter. How much was spent last month? Actually, no, because some of that could be for your business. So let's add up your income to it. So we know that total came in was a lot.

My whole goal was my business. and having credit. Quiet. $5,223.90. What went out? Because we know business expenditures are including that. So I included your business income. So 5,500 came in.

Who went out? Come on, household. We're married. Wait, the $5,000, was that like, does that also include the tax return spending? That's all taken out, right? I was going to say, did that include the payments? They include the tax return.

Everything. Well, did it include the credit cards that we? we paid with the tax return. This is spending as in going up. As in spending. Spending. Not making payments and tax return barely counts. He got a child tax rate.

You didn't put any effort in. Was that the month I got my computer? It might be. For why? Was it for work? Was it for being a little girl? I'm a blue collar guy. You're a good.

Yeah. Okay. He wanted to build his own. Crusher. Gamer. Different. They're different, bro. He's a PC gamer.

I don't know. That's not my world. He wanted to build his own computer for years and finally, finally did it. It was like 15. I'm glad we did. I'm glad we saw, I'm glad we saw just a slight, a slight ray of sunshine because our child tax credit hit and the return came in. But you didn't do any effort.

You didn't do anything in life other than stick it in. That actually gave you this money. You haven't done anything. You're in the situation where you honestly probably get more back than you put in because you're in that income-brack situation. I mean, again, you're in the bottom 50% of household earnings. In the bottom 50% of household earnings essentially contribute 1% to the overall income tax situation

in the United States and that bottom 50%. So you don't really contribute much. And you got this big checkback, and that's fine. I'm not arguing, I'm not saying that's bad, but I'm saying you got a little rain of sunshine for something you did not do. And instead of actually trying to clean up your situation, which sounds like we took a little step towards,

using something that, you know, wasn't behavior change. So I'm not going to give you credit for it. But you went and got a gaming PC2? Instead of putting it in... That is behavior. That is behavior. Getting the tax return, that wasn't behavior. Choosing a part of your tax return to go get gaming PCs instead of paying up debt.

It wasn't because of the tax return. No, the tax return was after. Went straight to cards. That was all cards. Yes. I immediately put money back onto a card card card. Exactly. Which is the same thing.

It's different. No, it's not you moron. Can I draw this out for them? I'm just saying I haven't made no big... I haven't made no big... I haven't made no big money moves like that and like a solid... Listen, you and I didn't live in a home with that long. Relax.

You did nothing to do it. You have a kid. That's it. It's the only reason. You know why it's there? I'm my own man. It's to help fund the kid. You used it for a fucking goon station.

Hey man, I don't like slander. I don't appreciate that. I don't give a fuck. That's a slur. Okay. Okay, right. So here's the thing. Here's the thing.

You're saying tax didn't fucking, we had maxed our credit cards. Here was the tax attorney. You said tax. Shut the fuck up. I'm making an example. We don't. Shut up.

Okay. Shut up. What the fucking, actually? Like, shut up. I'm making an example. Okay. You fucking goon?

Well, actually, we never said, well, actually. here's your credit cards maxed out or not doesn't it doesn't matter okay let's say it's like a three four or whatever here's your taxes okay you're right

you didn't use the tax money to pay off the credit card instead that went to over here and that deleted this much woo yay now our credit cards are only halfway and the tax money's going out

but if you then because you now have room on here spend it up for gaming PC you did use the tax money which is in the federal budget to help with you having a kid as in I pay more taxes to help you

fun fact I just bought you a gaming PC this is a fun one I get to get you free money and then I get to get myself free money it's a pure win win for both of us what do you have to do sign up for a so-fi high-yield savings account and get a welcome bonus of $300

sign up for acorns using my link and get $20 instead of the usual $5 Finally, sign up for silo and earn up to $5,000 and cashback on your own stocks. These offers have been negotiated to give us both more money than using traditional sign-up methods. So use the links in the resources section of the description below and get yourself $5,320 right now. Come on. That's what you used it for, for a selfish reason, for something that's actually meant for actually supporting you, for supporting the child.

That's what it's meant for. Well, like, I haven't been selfish and like a solid... Good. You're a dad. You don't get to be. And if you go work more and bring in extra money, pay off debt, give your son a sense of any kind of security, son. Yes. Son. Any kind of sense of security and future financially, then you're allowed to be selfish.

But you stuck it in. Now you actually have to pay the fucking bills and be a man. Uh-oh. Consequences of actions, who would have taught? I mean, the reason I've said that like I'm not, my goal isn't to bring it down to zeroes because like my whole my whole business venture i want it to be you know where business i quoted i did the profits negative money a year it didn't it was green last year gross is two thousand four hundred dollars a year probably uh like i want to if i use my card i want to just

you know do an event and pay that off because this is more of a hobby to me than a business well thank you let's use that word that instead of business and here's the reality you're putting your hobby over your child because that extra money and then extra time that you're spending on that could be picking up a part-time job that is going to make more money that you could be working at home, that you could be doing a call center job, customer service, whatever, answering emails, answering phones, I don't give a f-to-f-a-tray-in. Let me talk for a second, my goodness. I hear you.

I'm just saying that time could be spent doing something more productive, that would bring in more money, that would be able to pay off that quicker, that would get an emergency fund quicker, that would be getting a child fund quicker, that would be getting a child fund quicker, that would be getting money for their future gymnastics or sports or whatever the fuck they want to do. And in some end, if they want to join band choir lessons, I don't give a fuck. Pencils for school, all that good stuff. that's what it could be going towards.

But instead, you want to put all your time into a hobby, not a business, let's be honest, because you are choosing your selfish desires over what is actually important of being a mother. And a mother isn't just there wiping the diaper, taking out the diaper, wiping the butt, potty training. Congratulations, jarring the child's in the toilet. Whatever a mother does, it's more than that.

It is also a financial aspect because you're a parent too. Well, that's the plan. Next year, once he's in school, I want to go back into my dog grooming and actually start supplementing income to the house. I just am not doing that until he's in preschool because I agree. But instead of focusing the time and energy going wrong, that's knitting. I don't knit.

I crochet. Okay. It's the same joke to me. Yeah. Not to me. Congratulations to your mother. Crochet only has one hook. Knitting has two needles.

That's the difference. Okay. So it's a less productive version. Got it. Incorrect. So the thing is that time could be bringing in more money to actually put your child out for success. that is the reality and you're putting your own selfish

desires and what you want to do over it and honestly you're enabling her because you're not willing to stand up you don't like living with your mother-in-law I could I could fucking tell and you pretty much admitted it and you're not willing to stand up for yourself you're kind of a pussy

you're a little bit of a pussy I want to know what you think your household financial score is zero to ten zero being the worst ten being the best I'm going to go three to one go on go I want you guys to say it at the exact same time three two one one zero

okay well at least we're a line that you guys are in a horrible place, but we're also a line that you're not willing to do anything to change in. And you're not willing to stand up for yourself and have any kind of authority in the household. Well, it's hard to stand up when you're... If you watch your score, see where you are in the world of finances, go to Calebhammer.com. Click the link in the description below. Take the assessment. It's fun. You'll see where you are. And also, if you want to be on the show, go to Calebhammer.com slash apply. We'd be happy to have you down here in Austin, Texas. Don't forget. If you don't want to be like a guest on

the show, just download our budgeting app. Take the annual version. I'll send you a cookbook that can't be purchased anywhere else I'll sign it and I'll mail it directly to you. It's a good time. Let's jump into these finances. The part part. Great. Amazon Chase, Chase. Chase. Are we authorized users on these?

It's just one person's cards? This is me. It's just you. Okay, just the wifie. What's your insight into any of these that are just wifies? So in reality, she like manages the When have you ever had a backbone in life?

You're not able to get any kind of insight. You're not willing to stand up for your living situation. You're not willing to stand up for paying off the debt in her business and not being a productive use of time. You're not willing to try to get more hours of your job and go do things. You're not willing to send. All you're willing to do is get a PC tower and goon it out all day. That's all you're willing to do.

I know you got Krusty socks, dude. I don't understand that. $3,426 in 74 cents with a minimum fee payment $122. So you're saying you have no insight into this because she just runs the finances and you're not involved. Why?

Because she has, it's all her cards. Yeah, the only thing it doesn't go on the board are your cards because I have no idea what you do with those. So you're both equally the problem. You're the problem financially, but you're the problem because you're not willing to stand up and say anything ever and have any kind of responsibility or whatever

or any kind of voice. Here's the thing. I don't give a shit about trad dynamics or anything. Anyone can live the life they want to live. But the fact is you're a stay-at-home mother. You're the breadwinner. If we're doing that, you have to be able to stand up and speak on the finances if you're bringing in the money. You have to be able to say, like, no, we cannot do this. This is what is coming in.

This is the work I'm doing. You have to be able to... First of all, regardless of to trad, whatever, both of you should be involved in that conversation as equals. Instead of just her steamrolling you. She's not steamrolling. Come on. I mean, is she the one that's spending most of the money? Yes.

Yeah. Yeah. How long does this take to pay off? It's because you don't buy anything. How long does this take to pay off if we do minimum fee payments only while interest accrues without making any purchases, which, by the way, you purchase so you're incapable of. But go ahead. How long does it take the pay off?

It's got to be like four to five years. Okay. Like 13. Okay. It's going to be 14 years. So your kids. Own it all. Pay off your home.

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You win? Details at Yamava.com must be 21-20. Please gamble responsibly. Monopoly is a trademark of Hasbro. Hasbro is not a sponsor of this promotion. It's going to be almost graduated high school by the time this is paid off if we don't purchase anything, which, uh, yeah, we purchased $430.96. Why are we purchasing on a card that we cannot fully pay off that is accruing interest? Huh? That is my go-to card. Why would you have a go-to card? You're not a credit card person. You shouldn't have a go-to card. I don't think I'm not a credit card person. You have a credit card with a balance that is accruing interest. What more

a lot more credit cards that are completely empty that I paid off? Doesn't matter. If you have one credit card that accrues interest, you're not a credit card person. That is the rule. Well, I don't know. I think I'm pretty good at paying off my cards. I'm just better at putting more balance on it. Literally $3,4.24. And purchasing $4.30.96. It takes 14 years to pay off

and $88,029 since it's of it just screwed on it. What the fuck are you talking about? I mean, you are so delusional. Anytime I make money, it goes towards paying off the balances. But you didn't pay it off. I don't make that much.

Then you're not a credit card person. Listen, what happened with this card? I was keeping it where I was paying it off every time I had an event. I hold stock in chase. And I got an admit. You are making me more wealthy because you're a moron. I don't know.

I'm mad about it. No, because you think you're a credit card person, even though you're objectively not because your behavior is insane and your logic is ridiculous. I just, I don't know. You are giving them money. I think it could be worse. That doesn't matter. You know, I have done pretty well, you know.

In what way? You live with your mother and you have credit card. My choice? You spend more than you make. Not by choice. You couldn't live on your own in Palm Beach. You only did because the church subsidized you rent. Oh, that was a, that wasn't, that was not in Florida.

You have 30,000 hours of really bad debt, and some of it is to your mother, I just saw. So, fuck off. You are not doing well. That is a ridiculous statement. You're doing it. No, you're not. You are not doing well. I can't have you.

No, no, no. I know we're making lots of jokes and, you know, we're friendly, and I like you guys in general, but the reality is you are not doing well, and I cannot let you think you're doing well. Because if you think you're doing well, you are not going to have any effort or desire or that real push and incentive to really get to a better spot because if we're doing well, why do we need to actually do anything? You're not. You're doing shit and it's going to impact your fucking kid. How old is my mom? Yes. 67? Almost. Yeah, she's not going to be around forever. It's a very late in life kid. Huh? I was a very late in life kid for her. Yeah. Yeah. Youngest to use use a bit more attention. Absolutely. I agree. The fact is you're not doing well.

Not even wrong. I don't know. You're not doing well. I mean, it's not that I disagree. I just think I have the capability of doing well, you know? I think I think we can do it. So why aren't we? Because we're just not there yet.

That doesn't make sense. How do we get there? I don't know. Not in the tax return. I want to get my job. I want to go back into the job. You know, I just, I don't. Yeah, I want to.

I'm not yet because I don't have the child. care available for that because my mom still works by choice. And, you know, maybe she shouldn't. If we're doing collect- If we're doing collective household, maybe she should step up by doing that and allow you to bring more money. That's how we're doing it. If we're doing full Eastern version of household.

On their side of things, they're, like, it's mostly just on my brother-in-law, her brother. She just has her, like, essentially like another side business, but it's actually a business. Well, no, that's her career, yeah. Yeah. She went to school and did the whole thing. thing. Now she has no debt. She only works when she wants to. She has her clientele. I hope so. She's almost 70.

Yeah. She works when she's a strong woman. Oh, she's almost 70. I would be going crazy if she was just f***ed this year. But you will be there if you can continue down this. What did you even spend on? I mean, I don't know. Cars you guys. Well, I have like, I have, well, yes, it's mostly yarn and stuff for my yarn.

$401 in interest loss this year so far on one card. That's not surprising. $401.000. that would be going towards the future compounding in the overall market. Yeah, I don't know. And a health savings account into a school savings account into anything.

I mean... Like there are times where like I will bring down the credit card pretty heavily. And then suddenly it's like all back up. Suddenly? Yeah. So you need to close the cards then because you have no ability.

You can have the FIS card. I will allow that. You guys know the FIS card. Everyone knows the FIS card. It just allows you to spend it in your checking account. So it's like a debit card. but you can't. You can't do shit on a regular credit card.

You can't manage that shit worth anything. Okay? And also, that is something I could do to help you with your career. If you want a course career certification, I can help that as well. I mean, yeah. And I'll put you guys also through therapy. Heck yeah. So it's been with Sonderman.

We need some of that. Yeah. No, we don't. We could use it. I'm going to give you those three resources, okay? I'm going to give you those three resources. We just buy a lot of stuff. Me.

I buy a lot of stuff. What's next? the spending. It's Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Etsy. Patreon. Etsy will be... Patreon to who? That one's probably crocheted by Jenna.

Okay, well, that's a bullshit because I guarantee you they do not put out better and more high quality and more frequent content than our members. Well, it's not content. Well, you don't put out crochet patterns. I get free patterns. Well, why would I do that? I want to entertain people. And I want crochet patterns. Canva, Amazon, Etsy.

What is Canva? Oh, I use that for, like, my, like, Instagram posts and when I have markets. Pull up your Amazon. It's a 26.49% interest rate. I didn't get the Wi-Fi, so. Why? Because I wasn't, I don't know. I didn't see it.

So it may load. I will say this is, like, the bulk. The bulk of the spending. The bulk of it is, yeah. And you're okay with that, and you just allow it. You don't speak up? I mean, why don't she speak up? It doesn't help when she says, hey, I bought.

this but at the other time. Yeah, but you speak up about what we can do in the future. It's not about necessarily past. Yeah, we correct. We look at the past to learn from it, but we don't beat ourselves up over it, but we do address the future. And you're not. Why not address the future, guy? It's hard.

We're very out of mind. Why? Why? Why? What does she do if you bring it up? You've seen it. You've been here. You've had it. It's a small taste. That's kind of how it goes. single time of conversation like this comes up. I'm like really good at like rationalizing what I purchased.

That's my thing is if I I make sense. Well I have a note that he told Lindsay the producer that you just cry when you get into big argument. So yeah I would probably be a little hesitant. When I get overly frustrated I start tearing up. And it sounds like overly frustrated happens every conversation and that would be hard to get into because

even though crying is a real emotion, it can also definitely on the other side feel a bit manipulative and it gets very difficult. I've never cried about buying something. The biggest, the biggest problem is when she sets her mind to it. It's like literally punching a brick wall and like speaking to a brick wall.

Here you go. Like I have tried every route that I could to try to get you to like de-rationalize buying something and then it just doesn't work. If I ask you like, hey, can I buy this? If I go ahead and ask you ahead of time, you say no, I won't buy it. Folks, the American Dream is under attack

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but I would not buy it until you gave me the okay. And then you went ahead and bought like half of it without me knowing, which, thank you. That was a gift. It was a gift. And I get it. I'm like, you know, five, six months into the girlfriend situation. I like to gift them. I like to gift. I like the gift.

All right, so I got your Amazon. So, yeah, there will be things for like our kid, because occasionally I'll just be like, man, I want my kid to have this, so I'll just buy it. It doesn't happen all the time. Plant fertilizer. We did. I got plants.

That was part of your gift. Got some batteries. We got Earth bath mat, incredible for survival. Neem oil, incredible for survival. Window privacy film, incredible for survival. This one, this was, six, Ethanette dude has to be locked in for his fucking, he has to get his frames.

Yeah, dude. Flora washable runner rug, incredible needed for survival. Same with flower. I think we're in the fucking flower game, apparently. Leaf shower curtain. Incredible for survival. We definitely had nothing.

I don't give a fuck. How about you repay your debt off instead? Fucking iPhone case probably didn't have one. Moral iPhone case probably didn't have one. Screen protection, screen projector, gaming keyboard. Fuck you. We got new phones. He has his RBG to game keyboard.

That was my gift for him for our anniversary. Yeah, it's both of your money. I don't give a fucking anniversary. Hey, happy anniversary. Let's pay off that. So we can give our child the future. I don't give a fuck. 96 piece 25 millimeter 3D glitter safety eyes for gross shit.

Oh, for fuck's sake. I, I paint the eyes. I paint the eyes myself. A flossing lilac lounge yarn. Gaming. microphone we got a real big gamer here again um yeah he told you caps well he wants to be the only thing i bought was those key caps and we got but it's good we got more decorative blanket ladder this is all bullshit we're decorating the first thing where i'm like yeah you should probably have it because

you probably get all stinky put that on there just so i could get same day shipping yeah you put it on there just because it wasn't the first bullshit thing if we're being really honest we were more crocheting we all dug my first daily magnet magnet calendar. That's for a kid. Don't care. Yeah. Like, I don't know.

I'm, I really want to redecorate right now. I don't care. Well, I mean, we've moved, what, we moved, what, six times? Cool. Still don't care. Back and forth. Back and forth. Constantly.

All we were doing is getting rid of all of our stuff. We're finally not going. Oh, oh, I don't care. I hear you. But I care. I don't hear you because I don't give a shit. It makes me happy. It gives me out, you already had decorations.

You wanted to redecorate. I really didn't. I mean. The word you said. was redecorate. Well, it is rederick. To me, it's not re-degraded. It is just decorating. It'll happen. How much is in your retirement? Absolutely. How much is your retirement? I got $300.

You both. I don't give a fuck about decoration. You have nothing. You're losing your best decade of life for compound growth. You're about to lose your second best decade on this path. It's all bullshit. And that's all through just last month. Look at this. A fucking mini trampoline. Fuck them kids. Oh, he loves it. We do not. He's on it constantly. You don't say that to him. He needs a trampoline. He needs something to jump on, dog.

Oh, yeah, he's a jumper. He's been. Yeah, no, he's falling off the bed. Good, he'll learn. He has learned several times. Good. But, you know, trampoline he lives. The trampoline's in the basement, so he doesn't have a bed to jump on in the basement.

Shut the fuck up. No. I don't care. I'm sorry. It's so pointless. I use that swing. None of this matters. Getting on a debt, having a fully part of mercy fund, having retirement, having school funds.

That's what matters. because you guys are selfish and put even your joy of seeing him have a gift over actually providing for the household, which you need to. What a joke. 26.49 percentage is rate. What a joke. Who's the Capital One Quicks over? Both of us have one, so.

Okay, who has the balance of $1,4006? That's mine. That's you. Yeah, that one was our... He's delayed by three seconds. That one was probably our vacation stuff. Like, I went to go visit my dad last Christmas. Where?

Oklahoma. Yeah. Yeah. That's where we moved back and forth from. We moved from Oklahoma to Florida to Oklahoma to Florida. We did a whole lot of that, which is part of the debt, was moving back and forth from Florida to Oklahoma. Yeah, what else is you spend? Well, yes, no, there is a lot of spending.

Some of these cards were just, like, moving, though. Like, this one is like the Airbnb's, and I think for our trip before that. So this is all just travel. This takes 10 years to pay off. So, yeah, it's mostly travel that one, I think. Oh my gosh, I have a note that you guys said They spend a lot on, well, you guys spent a lot on food Up until recently because you don't like cooking

I don't. Of course that recently is everyone changes their behavior One to two weeks before coming on the show Fuck you doesn't count But you don't like cooking You're a mother, listen You gotta give the kid nutritious food Even if we're gonna be bad fucks At least give your kid something

Because they don't get a choice on their food Perk of living with my mom She cooks all his meals because she, he eats whatever she makes. That you are a child that you are then going spending money on food then. That's like her thing. You eat how daily? Yeah, we eat out daily.

You are children. You are children and you can. You can if you can afford it. You simply cannot. I got a weird thing with food. If it doesn't sound appealing. What, did you can't stop eating? No, if it doesn't sound appealing, I just straight up won't eat and he won't allow that.

So he just goes out and get something. Okay, because you're a child and you can't stand up and be like, yo, sit down. Well, I'd rather her eat than starve. She won't starve. She will eat. No, that's valid. That's me. I'm the other one with that.

No, I know. My thing with food is awful and I hate it. But like I... What is your thing? Explain it. So, I like, I don't know. I hate eating. I, like, I hate, I physically hate eating.

Okay, well, clearly not. I'm sorry, but... Leave me alone. I've lost 60 pounds. Well, I'm only allowed to say that just like, but I'm allowed to be fattest. Thank you for allowing it. Because I'm fat.

Like, but I hate like eating. I hate thinking about food. I hate preparing food. Listen, I like good food. I like to eat when it's good. But like, well, what do we define as that? You know, no, I hate eating breakfast lunch and dinner.

I find bros bagels every morning, which apparently you do every morning is a good food. That's him. Okay, what's your thing? I don't eat. No, like, if I don't want it, I will not eat. Like, I will, I'll just skip the meal. What do you want? I don't know.

It's in the moment. It's literally in the moment. Like, she really is a child. I'm like, yeah, I'm very, you can't enable this. You have to go to fucking therapy and you got to start coping and you got to figure this out because this is not a lifelong thing that is going to, because it's clearly not healthy. No, it's not great.

It's not financially. It's not physically. It is not good. Like for breakfast, I will just make like a protein. I'll drink a protein shake at most. That's fine. I will just drink something.

I don't want to. Good. That's fine. Good. Exactly. I will 100% owner. You get food out every single morning. Most of the most of the food stuff.

It's like breakfast and lunch, me out at work. I eat most of my meals at home unless like we're eating dinner together. Then we'll get food. out, but you eat out way more than I do. Anything Einstein Bros or Publix is probably me. Yeah, Einstein Bros. and Publix

and all the Publix, if it's under 50 bucks, it's him just getting lunch for the day. Under 50? Yeah, if it's under 50 bucks, then it's him. I was going to say that. I don't know, because most of your things are like 20 and less. They're like 20 and less. They're not like in the nut. It's like breakfast and lunch and lunch. That's insane. And dollars per

meal. We can get that down. I can get you to $300 a person in our cookbook. I've told him several times. If he tells me what he wants for lunch, I'll prep it for him and put it in a lunchbox. But you both the children are you fully enabled because again, you tell him that, but you don't push back against it. I mean, no, because I also don't want to make him lunch. You guys are going to enable each other into a fucking homeless situation to losing everything when mommy's no longer there. What's brother, is brother going to be with you forever when mom's probably? Yeah, we have room with him really well. So we would probably just stay in the

house that we're in as long as possible. Well, like, we probably just looks at his computer all day, right? Yes, he does. He is. I mean, yeah, that's he. I mean, that's he easy to room with. Yeah, he's great. And you're turning into that. He is a solitary guy. Yep. It's kind of hilarious.

Yeah, he's great. Okay. Well, the quicks over, $48 minimum fee payment. $34 and $32.3% of interest is accruing. $29.24% interest rate. Sounds about right. It's insane. Yeah, sounds about f***.

And we're still choosing to do it because we could be paying this off, but we're going to Pulpix every day and getting $20, fucking breakfast lunch. Bullshit, bullshit, bullshit. I could get, I could get, I could literally, following our meal plan. I mean, several months ago it was worse because we used to get breakfast every, like, morning of the weekend as well, like breakfast lunch and dinner every weekend.

I could get every meal down to $3.33 on average. Yeah. Through meal prepping. I mean, also on that card, I think it was paid down. It was paid off completely that card. Oh, and this is why you're not a credit card person. You're proving it. Oh, she says I know.

And then, like, it was completely paid off. And then somehow in your pocket, you paid. You paid for Walmart Plus. Like the app opened. We never would have done that. And we called tried to get it taken off. And it was just like, well, no. So we did use Walmart Plus for a very long time to get like groceries.

And we were eating out a lot less. 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 for Citizens Bank. When we had Walmart Plus. But that gave me permission to put more on the card once there was a balance on the car. I know.

You don't understand things. The way you look at the world is crazy. Yeah, that sounds about right, actually. I've been told that several times. That one was on me. And what's your take away? That one was somehow on you. If people are confronting you on that on a consistent basis,

why have you done nothing to try? You say you hear that from people. You've heard that from me. Okay, then why haven't you done anything? If I hear multiple things from independent sources, that means, oh-oh. Well, I mean, it depends. Or, like, if you just see the world differently, I don't know.

I hear that for people. That's it. That's all I'm saying. Like, I see the world weird. Everybody does. Yeah, but you can see it rationally. You can see it in a way that's beneficial to your child. It's not that I don't see it that way.

I just, I think I'm a bit more lax on it of just, I'm allowed to do something that I shouldn't do. Allowed by what metric? Free will. Yeah. It's about it. It's about it. Free will worth. Fuck your free will, though.

you have dependents. I do. You're acting the same age as your kid. No. Your mentality is there. Our kid screamed anytime anything frustrates him. I'm not doing that yet.

You wear children librarian classes. So, I mean, we have you know, we're all on different levels. Yeah. There's a, like, I don't know. I want to bring this debt down. I want to bring it down to zero. I would like to bring it down to zero.

Would like to, but you care about getting below 30% so we can get a car. Well, no. My thing is, I want to bring it down to zero, and I want to keep making it up. Not more than you want to spend money. But I, and I do want the car. But it's like, you know, I want the car so I'm able to do, you know, more things with my son.

A minivan doesn't enable more things with your son. Well, a second car enables that. I just don't want to get a car that I don't want. We don't need a $30,000 car. Well, that's why I want to find one cheaper. It's a tool. It is, but I've already gotten a car as a tool. I want now a car as a luxury.

No, you, what luxury? You don't work. He doesn't bring it enough money for. I want to work so I can pay for the car that I want. At no point will I ever get a car that we like can't afford on a monthly basis. You already are because there's pretty more than you bring in. And the only reason you're able to put any kind of money towards that is because you got a child tax credit. You have no idea what you're talking about.

Like all the money that I made also went towards all like that credit cards on the head. You have no idea what you're talking about. I'm sorry. You don't. Man, we left Florida to get out of the rain. The debt was zero dollars a year ago. They said so clearly we're just a bit. It was over a year ago at this point.

It was like two years right when we moved here. Obviously, fucking. I mean, we're going in the wrong direction. That one and I think one other was also at zero, like two years ago. Why do you care about your luxury of a car instead of your child's life and his life and your mother's life? Well, I want like that to be part of it. No, you are clearly desiring the luxury car of the self as desire to be behind a wheel of whatever you want over them. Because to me it doesn't make sense to get a car that,

you know, we make work for our family. I know, and I want the tool to work better. Like, I want one that works for me. Listen, if we have, if there's a hurricane coming, I have to pack what I can get, I would like the bigger car. Oh, guys, a minivan is what gets us away from a hurricane. It's a bigger car.

I would like to be able to fit my whole family into one car if that's necessary, you know, with my mom and my brother. Like, I want something big. It doesn't make sense to me to get something smaller. If we're escaping, technically everyone could fit in a sedan. Not in our car, especially not with the giant car seat that we have. I can't fit my mom and my brother back there.

Yeah, we can have a temporary, we can have a other kind of car seat for emergencies. Listen, if we're only going to use that, I'm not even advocating that, but if you're going to use that as the excuse, obviously there's alternatives. You know. Okay, your quicksilver,

you spent, you put your minimum fee payment towards it, which is now $28 higher. Oh, yeah, that one's true. Why is that? Because you purchased $320,0.30 cents. The balance, is now $799.32.

I think that one's mine. With six years of minimum monthly payments. I don't know what you do with your cards. Literally all me. And if it is anything on that card, it's just getting the food. It's food. It's just the food. I don't know.

Did you put computer parts on this card? Computer parts. Because he put some computer parts on my card. What do you do you even have? I have an AMD radion 77. He went radion? Do people really go radiance on these days? I don't like Nvidia.

I don't like the idea of them in general, so I went AMD. The idea of them? Yeah, bro. Like the 5090 came out. That thing looks garbage. Absolutely rude. Six years to pay this one off. My computer is very nice, by the way.

And your son uses it to play Sesame Street. Heck, yeah, dude. That's a rea. What do you play? I just beat the DLC for Eldon Ring and Night Rain just came out. Okay. Those are great. Wendy's.

Getting lunch and breakfast. Dunkin' Donuts. Caribbean Fire. Caribbean Fire. It's been a lot of. Ramen lab eatery. Taco Bell. Lunch and breakfast.

Chipotle. McDonald's. Papa Johns. McDonald's. Carlin's Handcraft. Dunkin' Donuts. Wendy's lunch and dinner. Or lunch and breakfast.

Breakfast is lunch. Einstein's Bros. Lunch and dinner. It's all fuck you bullshit. It's all. Fuck you bullshit. That is our biggest thing. Yeah, is the food.

Why did you open this card? So the only other card, I only have two. My Discover card is the other one that has way higher balance and all the other stuff. I just thought in case of like an emergency, I guess. Yeah, except this is what you told the producers. You guys can't follow instructions. It says put it on do not disturb and silent before we film. Mine is always unsightened.

I did not realize it was on. Bad behavior, bad with finances. Who would have thought they would be combined? Also, I don't remember hearing that either. But you told the producers that you likely felt that she pressured you to open this. I mean,

we've changed our tune now that we're on camera. No, I just don't remember when we said that. He said it. You said it. He admits that he probably felt pressure. It was kind of okay. This is card at the time. It's kind of like a side.

thing where it's just like she has she has a lot more than I do and I just felt like I wasn't adulting correctly if I only had one Discover card she's adulting correctly she's a disaster he fed off my bad behavior that was it because I mean we've been together since we were

what 16 and 17 so our predators sorry yeah dude dude she was 18 and I was I was 17 when we started dating when she turned 18 I was 16 I'm setting Twitter after you Listen, well, I mean, his mom wanted to get a restraining order on me at that point in our relationship.

That was very fun. We're a great. I don't give a... I love her. Thanks were great. Love you, mom. Yeah. But, you felt pressure.

Yeah, I started, I had really bad habits. So, like, right, like I said, we've been together to high school. Like, right out of high school, I had two cards. I just thought, like, I should probably have another card. Yeah. And essentially, just in case. And then, um, I try to use, like, non-credit card stuff first, but when I get to like a certain point

in my checking account where I'm at like 50, 100 bucks. This is a necessity. Right, but like... Like I understand it if we are spending everything on necessities on our debit card and then all of a sudden there's no more money. Okay, we use the credit card for an emergency

because we're in every discipline and we don't have a fully for an emergency phone. Got it. That's the consequences. Then we do everything in our willpower to pay off their credit cards. Okay, cool. None of this is that. This is the complete opposite.

I mean, the rationalization of the money so you spent on your credit card both. I mean, the rationalization is that that's what we eat and we don't buy groceries, you know. During this time, we don't buy groceries. We literally, like, rarely ever went to the grocery store because we kind of caught ourselves in the fact that a lot of food was going to waste anyways.

Yeah. We were buying groceries and going out to eat pretty much every day, so we stopped buying groceries. Obviously, it's always better to just buy groceries and stick to that and yada yada. But it's like... Obviously. At a certain point... And we don't do the obvious thing? I mean, at a certain point it was... At a certain point, it was like...

I get paid every week. So? And like immediately out of my paycheck. It's still budget monthly. Right. Immediately out of my paycheck, though, like everything comes out. So it's like everything gets paid. And then it's like whatever's left over is basically what we got for that week.

Here's the thing. A lot of it goes to food. Obviously, we don't know how our budget. Use our budgeting app. You get the premium version for free forever. Automatic connections. Use the community features. It's pretty good.

We're implementing even very very... very soon, an AI bot version of me that you can talk to. And based on your budget, it will give you what I would say. You need that. Use it with the app. These are the resources I'm giving you for very clear reasons because it has worked. It has worked for literally, I think, close to 50,000 people. It has worked.

Do it. Then when you're ready, you can take the investing one. When you're ready, you can do the real estate one. But you have to at least take the budgeting and you have to at least take the debt classes and use the budgeting app. Okay? if you come back on the follow-up channel and I don't see that you guys have used it

I'm gonna freak the fuck out fair enough I did download I did download it at one point but it wasn't where you would not let me connect to your accounts at all yeah that was like an issue a couple months ago that was a plaid issue we switched to a new service

where now if plaid doesn't work there's a fallback so no one should have account connection issues anymore gotcha that was an annoying little thing I think they were saying like in the community it was like hey we're like working with the patches and I was like okay

well no we fix I'll come back when it works. Building something from scratch is always a little messy at first. I will say, though, it's just like, obviously that looks bad, right? Like, we all know it's good. We all know it's not good. Yeah? But like I was saying before, it's like,

if I'm buying groceries and we recognize the fact that it's just going to waste and I'm buying nonsense, is it really... Don't make it go to waste, you moron. Is it really better, though? Yes, when you don't make it go to waste, are you... What are you? I mean, like, I'm telling you exactly how it goes. What's your ethnicity?

We're not doing it on purpose. Oh, I'm a Puerto Rican Dominican. What do you got to say about that? What would they think? What would they think if all your food was going to waste? What would they think? Well, my mom, she never really taught me anything about budgeting. But all your food goes to waste and you throw it away.

What would they think? Your ancestors. I mean, well, I have no idea about my Dominican roots. It was easy. We don't know much about your Dominican roots. My Dominican side is long gone. I was going to try to make an example. Listen, a lot of people have food insecurity is all around the world,

and you're allowing your food to go to waste. It's kind of disgusting, okay? Yeah. It makes it better. I'm half Brazilian and then German on the other side. Over the past year and a half, my team and I have worked with experts to create the literal best for financial education programs on the entire internet.

And even with a full month for a money-back guarantee, we have the lowest refund rate in the entire. industry by far so I'll teach you how to budget no matter where you are in life how you should be investing based on your investing profile and how to get into real estate for the very first time or grow a massive rental property empire like I have in my own life and I can also teach you how to get out of bad debt but also utilize good debt to your advantage and each of these is available individually in the education section in the description below but at the top of that

section you can also bundle all four them together for 15% off. So join the over 10,000 people who have gone through my educational programs and have changed their lives. And to learn more, just go to Calebhammer.com or just click those links in the description below. All right. Discover it. Discover was my very first card. Well, what I got it, that means we should fuck her life with it. When I first got it, like, my mom was the one paying for the minimum, but I was like 18. I didn't even have a job. Great. So you've been enabled your entire life. 5,107. And now she's helping him. care of your rent. Well, your brother, because they're attached to the hip, I consider them one person.

21 years to pay this off. Your kid will be in their mid-20s. Yeah, that one's fun. Yeah, and you can't do anything but purchase way more than you put towards it. Minimum monthly payment is $123. Purchases is $525 on a credit card that cannot be paid off that takes 21 years to pay off. It is a coin 102 dollars and 26 cents in interest a month. Sounds better. What the fuck is going on here? That one actually for a long time had no spending on it for like several years. I had no spending on it because I had like a balance less than like $1,000.

And I think we started spending on it again when we were moving from, yeah, back from Oklahoma to Florida for this like final time. We started and I put like the U-Haul on it and like moving expenses. Okay. Sorry, keep going. Well, I mean, no. Although we did move in together very quickly. Like in that regard.

Yeah. But we, uh... You're purchased internet now. Yeah, but we are, yeah. No, like I said earlier, it gave me permission to use the card again. And like, in my twist it. Well, I don't know. Like, when it's at zero and I'm, like, doing good, it's like, I keep that flow.

You know, object and emotion stays in motion. So I keep that flow. If I get screwed up, now I start using it because now that's the card I pull out of my wallet. Newton's first money spending law. Yep. Yeah. So that one just is the one I use now, especially since they give me a credit increase. Luckily, it's still not maxed out.

You stream? is the goal. Oh, dear God, no. You have the mic. Yeah. Best to like talk to friends. That was me. I was going to say you're kind of funny.

Hey, thanks. Maybe you could have done it. I... To be fair, I'm trying to do more with my like, crochet social media. Okay, yes, because we're talking about you right now. Listen, I want to be involved. She's the one that's going to like try to have...

All about her. She's going to try to have like an online Etsy shop. I'm just trying to enjoy my life, man. Yeah, the online stuff. Let the man have a... moment. No. Sake.

No, you don't speak up in this relationship. Who would have thought? You're quiet. That's the thing. He's always been. I'm always the one that talks like,

yeah, this goes back to like child's trauma type stuff. How quiet is he and the nightly peg? You're not very loud. But we also have my room, my mom, like next door to us. True. You got to be quiet on here.

Yeah. Yeah, again, no choice. Okay. So we've purchased on. Ali's bargain outlet Fuck you Yarn No no

Yarn Joanne closed Jorn yarn yarn Jorn Joanne closed So I had to Get it all It was cheap

Joanne closing Was our downfall For a solid couple months Oh good Honestly good It's like taking the fucking drug away from you You should have just

accepted the withdrawal Because this is a disaster In your life This is a disaster You know I Fuck you cheap There's nothing There's nothing

Considered cheap here You're fucking your life You're accruing interest You are paying fees You're paying fees. I mean, the only stuff is also stuff for us. You get, every piece of yarn you get, you are essentially paying fees. Probably. With your interest. That's how we can mathematically make this work. Although not every time. Sometimes I use debit when I buy my yarn. Every time you buy yarn on

here. Yeah. Every time I buy yarn at my car. This makes no sense. You are a mother. You would be a big fan of going into the basement. I do. I have a big yarn wall. Okay. Yeah. I have a really... for the big game, soaking up the atmosphere of the crowd. But too often, life gets busy. Or the price holds you back. Priceline is here to help you make it happen.

With millions of deals on flights, hotels, and rental cars, you can go see the game live. Don't just dream about the trip. Book it with Priceline. Download the Priceline app or visitpriceline.com. Actual prices may vary, limited time offer. The big wall of yarn. Okay.

Surround myself with happy. Okay. Gosh. It's a 29.24% interest. All my interest actually went down recently, funny enough. Oh, 24.24. Yeah. They all, like, went down by 1%.

I don't know when or why. Interest accrued this year, and this card alone, $400. I mean, we're easily over 1,000 hours in interest accrued on all these cards combined. A thousand hours taken away from you guys making about 40. Like, come on. That's horrendous. We can't do that.

We need that money. We need that money. You have a couple hundred dollars in retirement? F-me. What a joke. Okay, who's, oh, fuck. Who's the, there's another discovery.

This is yours? Oh, you're both absolutely ridiculous. That's what I was my first big card. That was also your first card. First big card. Well, you started as an authorized user on my card before you turned 18 and then. I'm going to murder. $5,584.70 cents.

minimum monthly payment of $118. These are stacking. 19 years to pay this one off. Good. Friken luck to everyone. $103 to purchases. Bounce went up. Even though you put a little more

than your minimum monthly payment on it and put the balance one off because you purchased and then $97.89. Interest hit. Then you purchase $103. What the fuck are we doing? What's the fucker we doing? What are you even purchasing?

Do you know? Do we know? the side food stuff. It's gonna be food. So like I was saying, every week when I get to that that low point of the actual money

This episode is my low point. One second. E! Cramp? Yeah. You drink more water. All right. That's just coffee, man.

You need water. You drink more water. Hydration. I threw my water at you because she was being annoying. You did throw your water at me. That hurt. Yeah.

Bowley WPB, Bono Pizza and Pasta, Microsoft Ultimate and Taco Bell. Shout out bonus. Microsoft Ultimate. Yeah, his little game pad subscription. Oh. Yeah, I got it.

We do need to cancel it. Pull out your phone. No, where's or mine? Both. Okay. What you want? Give it. Oh, open it.

Yeah, I got it. Stuff. She has premium, Patreon, Apple One. Yep. The Apple One's like the whole family thing, so my mom's on it. Your little cousin is on it. Like, it's music. So it's Apple Music.

I know what Apple fucking one is. Well, yeah, well, we switched to it because we were doing, we were paying for music and, like, arcade. And at that point, that was like $25 a month. And we were just like, oh, we could essentially have Apple TV for free at that point. We're paying for these two. So we just. Free entertainment.

Might be. It might be better than the Caleb Lee. It might be better than Caleb Lee. Camerly, you fuck. And it's not. We just don't watch Ted Las, so that's the only reason I wanted Apple TV. No, I'm really excited.

At the end of this month, we're launching all these new shows. It's going to go fucking crazy. Nice. We're the second largest on the entire platform for a reason, ladies and gentlemen. I do pay for the post shows. Well, yeah. That one's fine.

It's not the good tier. but it's a good entrance. Yeah. Because I have you on on the background pretty much all day. Oh, then you better up there, because literally three shows a day, Monday through Friday, every single day,

dedicated shows. I watched an episode with my mom who wasn't super happy about us coming here. Why? Well, because she, like, helped us start our credit journey. She wasn't happy about you coming here? No.

Not at a lot. Tell me. No, because she didn't like that we were putting ourselves online and portraying ourselves as stupid. She's very... She's very... She's very controlling of her outward image.

So, yeah, so she didn't like that we were putting ourselves online. She also likes, you know, anonymity and keeping our lives private, which is valid. I've always been like that too. This I just kind of was like, this sounds like fun. It is so far. Yeah, I like getting yelled out. I think it's funny. It's fun.

And it's interesting. I always see videos out there where it's like, hmm, hey, Caleb's mean to his guess, and they made the... bad thumbnails and stuff like you guys didn't go through the whole process and watch the episodes before and go through this. It's that classic meme where it's like, I consent, you consent, and then someone out there is like,

but who did you? Did you forget to ask me? It's like, what the fuck? That's so weird. That's Jesus. That's who it's got to be. It's got to be Jesus. Unlock it. I had to connect you to the internet. I need to look at your subscriptions. I ain't got none. I was going to say you should.

I'm confirming. Apple one, you're attached to already with the family thing. Most subscriptions. Okay. Yeah. He had Apple. arcade, but that's it. That's why we switched over. Okay.

He definitely has fucking Microsoft Ultimate and he goes to food every second of his life and he has insane credit card balance. Okay, capital one, what's this? Probably mine. That's probably mine. Well, no, because you, we did your

Quixote. $1,084. $30. Minimum monthly pay for $37. Everything else is from now. Okay, well, no purchases, but of course, in $26, $23, eight years to pay off at the rate.

you're going. That one and the Quicksilver would have had no purchases or does have no, I don't remember. Those ones have been sitting for a long time. No. You guys just paid off your phones and then you fucking went in and got brand new? No, we did not pay off our phones. We traded them in, so we paid off the, like, or paid something. We paid something.

It would be like 400 bucks and then got a $1,000 thing for this one. But you're on a payment plan? Yeah, but we don't pay for it. But it's... Who does? My dad. Father. We're going to start contributing, though.

We were, I mean, last time I had no independence. You're still children. Last time I told my dad, I'm like, yeah, I'm going to send you stuff every month. You guys are like, okay. That has had her child. Oh, yeah, for sure. Oh, 100%. You accepted.

Greg. That was 22. Must be so proud. Our kids. Must be so proud. That was... Nordstrom? You have a fucking Nordstrom card?

Yeah, I rarely use it, though. My aunt was visiting from Brazil. She wanted to go shopping, and I had to buy a dress for her wedding. Okay, it looks like this one's paid off every month. Yes, I pay that off as soon as I'm not going to add that, but you did still purchase $132.58 that could have gone towards something else. It was a dress and shoes for a wedding. You did not have dress or shoes.

Not for this wedding. It was a black tie event. I only have sun dresses. I also don't have that many dresses. I'm biased, but I can actually attest to that. Yeah. I'm biased, but I can actually attest to that. Yeah, I don't have very many dresses.

I'm not a dressy person, so. Okay. And my mom offered to pay that for it. And I was like, no, she didn't need to. So she usually does. You've been enabled your entire life, so I'm not surprised. Well, when she takes, you know, me shopping, she's like, it's my treat. That's why I'm, like, taking shopping.

Okay, yeah, you owe your mom $2,500. For what? So that specifically, it's like $2,000, $25, something. I don't know. Yeah, $2,500. It's not specific. But for what? She took a balance off one of my cards.

Oh, my gosh. And then we got, look. It's paid off. It's still at zero. Yeah, but look at you doing it on the other. cards. You haven't changed your behavior. You're spending more than you make and you have nothing to show for it. But that one specifically was... You have but your mom built you out.

You guys are fucking enabled. My mom loves a balanced transfer card. My mom loves a balanced transfer card. That's how she like did all of her things always. Like they will never make progress in life because you're just enabled by each other and by dad and by mom. It was done to be a association though. Huh? What?

Yeah, because it was what? Because your mom... Oh, well no, it is my dad. My brother got a card. It was and my mom was like, do you have a balance? to transfer and she took my highest interest part. Why is your mom involved in your guys as finances, though? She always has been always willing. But you guys are married. You're moving on.

You need to separate. Just financially. You guys need to have some kind of independence or you and never learned anything ever. This happened like a year or two ago, like when we moved in. And yet you still owe us. So that makes it even worse. Because she never asked for it. Does it?

Does she have to ask for? Does she have to ask for? Does she have to ask for? No, she doesn't. I tell her if I'm going to give her money. Responsible daughter and mother. I would love to give her buddy. And she's like, no, put it on something.

else. She doesn't want to be paid. And that is another form of enablement. And guess what? And then you put it towards something else and then you rack your debt up again. So it matters nothing. You need to pay her off. You need to pay off all the other day. You need to be responsible daughter and mother. And you need to stand the fuck up and put down some rule.

Have some opinions. I mean, this is probably what's the therapies for at this point, dog. Because like, this goes back. This goes back far. So it's like, it's a little harder on my side. To like...

To stand up? Yeah. To my mom specifically. To both of you combined. Yeah, that's fair. It makes it harder when it's combined. Yeah. Why?

Because now I'm arguing with two strong Brazilian women. Because both of us will bounce off each other. If my mom agrees with me, we tag team. That's why we can't be living with Mom! I don't see that. She's not involved in the relationship. You cannot live with Mom if she gets involved in these conversations. It is not a...

in sustainable relationship household. She wants to retire in three years and move to Portugal anyway. So, you know, right now. It's not like this is how we plan on. She lives in life that she enjoys. We don't plan on saying like this forever. No. She wants to retire.

I don't want to be like this forever. I'm okay with living. And you can't have conversations because she's there. And you're going to live like this forever. You've gotten comfortable two and a half years. And you guys have done nothing to change it. That's a lie. I mean.

Keep telling yourself that. Good luck. but you have an 84-month term on a car and you want a second car, good the fuck. That car. Yeah, what is this car? So that's our 2020 Hyundai, Tucson. We got it in 2020, in October of 2020. Our CRV broke down.

We had a fun story with our C-E. And I probably don't want to hear it. Well, I mean, I totaled my car. That is fun. Well, I hydroplained and I hit a highway median at like 3 o'clock in the morning in the middle of nowhere. And, um. Oklahoma. Yeah, so my uncle offered to buy just a beat-up car, because we were on a road trip from Florida to Oklahoma, and he offered to buy us a beat-up car to get back.

Okay, listen. And that car. Listen, we have a car loan. I'm sorry. We do. I don't care. So close to finish. I can speed it up.

I never let women finish. Well, you know what? That sounds like a skill issue. Watch. This car, this car was a piece of crap for like several years. Oh my gosh, I don't care. I'm sorry. I'm so sorry.

You have this. This is why we got the car. That's it. Babe, he never left the woman finish. Watch this. We had a beater. It broke down. We got rid of it.

We had to get a car. That is interesting. We walked into a dealership. We needed to get something to get back home. We got something. Tell me more. We got a really good deal. I will say that.

No, we argued with them. Like crazy. Hold on you're ruining it. No, that's the point. And so then we had a car. And now we didn't have to worry about a car that can break down or die on us. Yeah. We can go where the hell we wanted.

It's a good story. I'd listen again. We gave the card back to my own. Appreciate it. I'll leave you a good review. You know. Five stars? Five stars?

Hell yet. Okay. You owe $10,794 in $6 with a $369. $0.19 minimum payment. You do have an equity position of maybe $2,000 to $3,000. Yeah, it's not a worst part, though. I'm going to say $2,000. Probably a little less.

Last time I took it was like worth $14. We're getting about $13. Does that include the $1,000, $13,000. I don't know. So there's a little cosmetic. Yeah, it's cosmetic. There's cosmetic that probably brings the day. You're probably about breaking even.

Yeah, something like that. And that's private. That's not even trade in, okay? I don't know what Hyundai goes on. Listen, what's the interest rate on this thing? Like 4.05. Okay, that's not horrible. But what is horrible is the 84 month term.

Yeah. Because that means that's to go a lot of interest to a crew for so long. Yeah, because you're f***. Well, no, especially at the time, we had barely had gotten jobs. It was like mid-pandemic. Like, we went in with the home. How's she doing other than the cosmetic? She's great.

40,000 miles. on and she's great. What the fuck is this? What am I seeing? You guys sent the screenshot. I didn't send, I never sent any. I didn't send any screenshots. I didn't send any screenshots.

I didn't send any screenshots. I sent only statements. March 2025, balance $3,010. What's this? Are those my loans? My student loans? Yeah, I see the rating

and the scheduled payment, so probably. Okay. Yeah. Those I, yeah. Oh, for sake. Four different paper. Yeah, because they're just individual ones. Well, I had, yeah, subsidized on subsidized for two different schools.

Chris. Yes, one of those was a massive, well, both of them were massive mistakes. I will give them in. I'll give it that. So is his marriage. Anyway, no, I went to... I'm living with mother-in-law. Yeah, I went to...

So, okay. Yeah, what was your schooling situation? So I went to college right out of high school. What was your major, babe? I was a graphic, I went for graphic design, something like that. Graphics design can be, okay. Yeah, I went to for graphic design. There's jobs in that.

I was expecting something a lot more. And then I was major shift. I was going to shift my major to, like, early childhood education. I was going to do, like, elementary school teaching. But I'm not good with schooling. I'm really not. But I had to essentially go to college to live in the dorms. Okay, why do you not have a payment?

I was, like, on the save plan or something. You said this place was steps from the water. We just haven't found the steps yet. How much did we save? Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your ocean front room.

Just steps from the water. The Hilton sale is on now. Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected. When you want savings, not surprises. It matters where you stay. Hilton for the stay. Like a $0 payment or something.

Yeah. Oh, your payments should, I think your payments are going to start in a couple months. Have you seen an email? No, I just had to look because I had to find the balance for you guys recently. They looked like it said it was due like October of 2026. Yeah, so it's like the end of next year. Okay. Yeah.

Well, I'm going to put a minimum payment right now, but it's probably going to be. I will start paying them when they want a minimum payment. It's probably going to be about $100 a month. They said, yeah, I was like $74 for one, like $25 for the other, something like that showed like regular payments. That's all your debt. Correct? Yeah. No more debt.

No. Okay, check in account, $204, savings, $260. Well, in this one, this checking account's not much. It's just moving money back and forth. Nothing crazy. That's your business. No, that's mine, yeah. Mine, so we're separate.

Well, we have our separates, and then we have a joint. Okay, Amazon, Apple Bill, ShippoCom. Apple. Apple.com. Sales. Joanne, before she died, Apple Bill. RIP. Yeah, ripped Joanne.

You needed it, though. RIP, thankfully. Agreed. I love Joey. He's getting a voice. He hated going to Joanne. You hated going to Joanne. I would drag you every weekend.

That was my only outing. I don't leave the house otherwise. And, you know, if we go out, I go where I want. So I would go to Joanne or Michaels. I prefer Joanne, though. Yeah, lock yourself inside and cook yourself meals. Because you need to eat at home. I do mostly.

I eat my breakfast and lunch at home every day. Dinner? That's up to him if he goes out and eats or, you need to step up and be a fucking man. Sometimes we'll get, like we'll eat frozen meals. Okay. Like that's about it. Okay. I do not like cooking.

$450. Well, total. 331 in this checking account. Uh, it says, ramen, Zillin on money, Dunkin' Donuts, Grand China, kid to kid Chipotle, Taco Bell.

You connect, you connect, you connect, Zell and money out. That's probably me. Zelle, yeah. No,

Zelling money out. Einstein Bros. US Connect. McDonald's, Beera King, Lucky Chew. Coca chocolate. Philly's house. I don't need to have a little thing

for everything. It's okay. Meets, barbecue, Benner's Farm Fresh, Dunkin' Donuts, Apple Bill, Einstein Bo. I'm gonna keep going. Why?

Sorry. Einstein Bros. Zellant Money Out. Taco Bell. Einstein Bros. Apex Vending machine. Einstein's Bros. Steam purchase. Has to buy his games.

versus gaming PC, taco belt, Einstein bros, blano pizzas, FACACES, Vending, store west, Grand China, Chinese, selling money out, Chipotle,

Einstein Bros, Einstein Bros, Tugid Donut, Baskin Rockins. Vending machine, Vending machine, two-plant bakery selling money out. Team game says,

fuck, bull-s- you don't have retirement, you don't have an emergency fund, your kid has nothing, okay? You're fucking this all over. This is sad.

I'm glad we're able to goof and joke around this episode, but this is the disgusting actions of selfish parents. And I'm going to call it as I see it and I'm not going to be nice about it. The only thing, the only thing I will say is the Zell payments. Those are our rent.

$500. That's rent that comes out of money. That's Apple, Apple, Shippo, Apple, Joanne, Apple. In another account and then transferring money back and forth, nothing to show for it in our entire lives. It's disgusting. This is disgusting, selfish behavior, you're prioritizing yourselves over your child.

Buddy can't escape his own mom-in-law. That's probably why he's always going out and trying to get food. Just to get away from her. This is me being literally out at work. Yeah, you're gone, all we. I got to eat food to take care of my family. Dude wants to take up extra shifts to get away from her.

Dude, listen, no matter how loving he is and how nice he is and how much he can't speak up for himself, there's not a guy in this world that wants to live with his mother-in-law. No, and we couldn't live with your mom at any point. Ironically enough, though, it's mostly because of the, issues between them two that I think we should move out. I mean, yeah, I mean, it's hard to live with family. Yeah.

$3,883 is what comes in on a monthly basis. $3,883 is what comes in on a monthly basis. Let's get your minimum fee payments. Oh, that does not include a new car because we're not going to be morons, and I'm making that illegal. Well, not any time. Shut the fuck up. Not any time.

We'll see where we're at in a year and a half. Well, come on the follow-up show and prove it, but right now your minimumity payments are $835 in 19. I will drive here in my minivan. $1,600? Your, your car? Yeah, so we send $2,000. But $1,600 is our rent, $200 is our car insurance, because it's on her credit card for some reason.

I don't know why. And then we send her an extra $200 for like utilities, groceries, whatever. $200 for utilities. Okay. Well, you're going to be eating more at home. You're going to be eating more at home, so I'm giving you extra money for groceries, okay? No, no, that's just whatever I contribute to like my mom. whatever she spends it on.

She buys her groceries with it. I'm saying you are, I'm contributing more money from you guys to groceries because you're not going out to eat anymore. Does that make sense? Yes. If we had a, sake, you can probably do 600 bucks to groceries. TP fun because there's a kid. $250 for anything else that's necessary.

Phone bill. Dad, right? You can do helium when you're on your own if T-Mobile is good in your area. Same coverage, but like $15 a month. Last time we did. Team Mobile. It was trash. Okay, maybe T-Mobile's not in your area. Okay, medical health care.

Any co-pay is a monthly basis, things like that, medications, whatnot? No. Gym? No. We have a home gym in the basement. No, but I want one. Nope. You're not in a place.

Not yet. Not yet. Not yet. Not yet does it matter. You are not. I'm waiting. Anything else that needs to be in your budget that is not in a budget. Yarn?

Nope. You got to budget my yarn, man. I got to do it. Well, let's see what we have. I was going to say, let's see what we get. Well, remember, this is, Okay, no. I'm sorry, no. Okay.

Listen, this is with your parents covering a lot of your shit, and you still need $3,685.19 to survive on a monthly basis. After his little $200 bonuses and you're making no profits, you only have an extra $197.81. I will only allow you to spend on yarn what you make from your business, but you do not get to spend a dollar more. That was always the plan. Okay, that's the plan, but that's what you're falling.

Listen, you have a lot of yarn. You only have an extra $197. You only have an extra $197.81. So you're never going to get out of debt with that. It's as easy as that. You have $30,000 a debt. Does it help if I get a yearly bonus as well? How much?

So it increases every year. How much? Last year was $1,500. $15. It helps a little. But right now it's a 12-year process, which I would rather go through bankruptcy and clear a lot of this shit,

except for the student loans, which won't be dismissed via bankruptcy, because that would be quicker. Obviously, I still wouldn't recommend it, because you need to change your behavior for at least six months before I allow you to do bankruptcy, or else you'll be right back here in the same situation again. But, yeah, that helps. I'm sure that brings this down to maybe like six years, but even still, it's not great.

The reality is the moment the kid can go into public kind of education of any kind of, put them in it, and you go get your ass to job. That's fun. Bring an extra two, bringing an extra just $2,000 a month and that. and with that with that let's just say $2,000 total is left over $30,000

$2,000 we can pay off for debt and that's where yeah full payoff debt and having a six month emergency fund two years that's incredible

so that is our goal the budget the entire thing is you have to change your behavior to get here this isn't just about getting another job

you get another job your behavior is you spend more money so you need to follow a budget go through all of our educational programs use the budget

and that follow budget here come on the follow-up channel and we'll keep doing this process until we get you there but that is what you have to do i'll calculate your hammer financial score but first guys join us for the post show here in a second make sure you join hammer lee in the description below best you do membership on the platform the platform that has told us that themselves as the second largest on the entire platform as well for a reason so join that come watch the post show lots of extra shows thousands of hours of extra content hammer financial score for you guys spending a budget you overspent So zero out of ten debt.

There's no collections or anything. It's not the worst. This is really bad for your income. I mean, it is bad debt, but it's not like the crazy. It's just bad for your income. Two out of ten. Emergency fund. There was like a couple hundred bucks sitting in a couple different accounts.

I'll give you a one out of ten retirement. You just started, but you're dramatically buying one out of ten for the household real estate. Zero out of ten. Hammer financial score. It is going to be rounded up to a one out of ten. You can't go to f*** for a z. You gotta go stay. F*** your grandma, man.

She is almost dead. Well, she's actively dying. You know it's cheaper than a flight to Brazil? Not going to Brazil. A Ouija board. 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.

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