Financial Audit - His Wife Stormed Off Financial Audit

Episode Date: June 30, 2025

▶ *MAJOR ANNOUNCEMENT* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ plus you get the cookbook signed by me when you join! ▶Oh my goodness... he's been hiding stuff behind her back, and she goes for his THROAT- this is an intense post-show, watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. ▶▶▶ *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Helium Mobile: Sign up (even the FREE plan) & get $10 in Cloud Points with code CALEB: https://app.heliummobile.com/o6WA/vdqufw1r ▶▶▶Download the *DollarWise Budgeting App* today *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay ___________________________________________ ▶EDUCATION: 1. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ 2. *The best budgeting program online: https://calebhammer.com/budget 3. Get my investing class and I’ll give you a $100 towards investing: https://calebhammer.com/investing 4. Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5. Everything you need for buying your first home to buy your first investment property: https://calebhammer.com/realestate/ 6. Get your own free Hammer Financial Score: https://www.calebhammer.com ___________________________________________ ▶RESOURCES 1. *I'VE MOVED MY INVESTMENTS FROM MOOMOO* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 3.5% IRA Match, 12-month Wall Street Journal subscription, and 30 days of Webull Premium. 2. Checking & Savings: Get up to 3.80% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ ___________________________________________ ▶EXTRA 1. Financial Audit Follow-Ups here: https://www.youtube.com/@financialauditfollowups 2. My socials: https://stan.store/calebhammer 3. Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply ___________________________________________ ▶Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we helped a... Latte for Sam. Coffee shop, get an insurance quote simply and easily. And made sure... A floral delivery van was able to make someone's day. We're the Hartford, with decades of experience insuring millions of unique small businesses. When it comes to your small business insurance...

Thank you. One size, absolutely does not fit all. Get a quote or find an agent today at thehart.com slash small business. When you need to build up your team to handle the growing chaos at work, use Indeed-sponsored jobs. It gives your job posts the boost it needs to be seen and helps reach people with the right skills, certifications, and more.

Spend less time searching and more time actually interviewing candidates who check all your boxes. Listeners of this shell will get a $75-sponsored job credit at Indeed.com slash podcast. That's Indeed.com slash podcast. Terms and conditions apply. Need a hiring hero? This is a job for Indeed, sponsored job. To watch episodes of Financial Audit a week earlier, check us out on YouTube. What's your criticism, lady?

I didn't like how things were handled in that episode. What? Just like the way that you approached and handled, like, their situation. Are you able to say anything of any relevance? Or are you just going to say broad terms? I'm just like letting you know that, like, that if you do that, that's not cool. Any more criticisms not backed up by reality? You're bringing such dark energy to financial audit.

The tools to change your life have just been a. Download my budgeting app rebranded to Dollar Wise today and start your free trial. Sign up for the annual version and I'll send you my budget-friendly cookbook that can't be purchased anywhere else and I'll personally sign it and mail it directly to you. Download the Dollar Wise budgeting app today and take advantage of your free trial. Hi, I'm Alexis. I'm 20 years old. Hi, I'm Colt. I'm 23 years old. And we live in Palestine, Texas. And this is financial audits. Damn, Austin should have built the Iron Dome.

Okay. Well, thanks for coming in, guys. I really appreciate it. So let's start with you, Alexis. You're the one right in front of me. What do you do for a living? I currently am immigrating into the states from Canada, so I legally cannot work. In immigrate to Palestine. Now, this isn't one we've never heard of before. I'm Canadian. So I'm Canadian by birth. I live there most of my life. Came down to the states for school. I worked myself in Canada to get to an international school when I was originally coming to... Why are you trying to go full red, white, and blue?

There just wasn't a lot of job opportunities there and school. Seems like a pretty important part of living. Yeah. What do you do? I wanted to be a kinesiologist. Okay, so what's your immigration status right now? Are you guys married? Yes.

Okay. I came under a student visa. So you've applied for a green card? Yes. We're in the process. A little 90-day fiancé, but from Canada. Usually it's better than the typical 90-day fiancé locations, but I get it. I met him after I wasn't able to go back to school due to funding issues.

Funding as in you didn't have money? Yeah. So my family moved down with me, and we were able to get a loan to continue my second semester. Yeah, that's brutal. It is what it is. And international, it's usually a little more expensive anyway. So it's definitely a moneymaker for schools. that's for sure.

And you, I guess you have to be the Uber breadwinner of the house with this situation. So, Colt, what do you do? Well, I do computer engineering stuff. I build websites, cybersecurity, and I just got out of the military a year ago. Okay. I have to ask a disability forever? I mean, I think once we pay off the house and we... Do you have disability?

Yes. Okay. Well, it's coming in from that. Of course you do, because there has not been one veteran in the history of this entire show that has not been on disability for the rest of their life. Go on. What do you make? From that.

From the VA, it's about $4,000. Yeah. Okay, docks. And what do you make in your computer engineering, science, something? It's before. It's like 45. It comes home around like three every month. Okay, 3,000. How'd you guys meet? We, when I was stationed in Fort Stewart, we met on a dating app.

And ever since then, we have been attached. Did you cheat on someone with her? No, no. That's how it usually works. No. That implies I have a game. Does he have game? I mean, he pulled me, so.

Okay. So what are we talking about? Guys, what are we talking about? House living in Palestine, off as 7,000 hours a month and that. Not bad. Cheapers city of Texas, very small. Yeah, I mean...

It's filled with old people. Everything shuts down at noon on a Friday. Yeah, that's not what I was asking. How's living off of 7,000 hours a month? It's pretty good. I mean, the house is at a good price, and we have... You own the house? Yes.

Okay. Good, good, good. And where are you on the wait list for Green Card? How long have you been more? waiting, what is it, a six to 12 month process? Well, the lawyer originally said that, like, the allocated time is 24 months.

Yeah, but it goes a little quicker than that. Sometimes, depending on, like, where your paperwork is in the line. And you? How long has it been? So, we put in the paperwork officially. Last year? Was February. And we have an

interview coming up next week, and then two to three weeks after that, we'll get... How long are you guys together before you got married? like eight months. Something like that. Okay. But that was like...

It was very situational. Yeah, you... Because... I was not using him for a green car. Let's get that straight. Because I was getting out of... I was living with her out of the barracks. I don't know if you could get you in a box.

And so like... To make more money to not have to worry about like the barracks and food and all that, I lived with her. and so trying to, we got married in hopes that like we could get her registered so I could make, we could make more and get her on insurance. Through the military. So you got to get married to get more money from the military. Yeah, and then I could also get into.

It wasn't the prime reason, but it was a big push. As well as like getting me situated with the military insurance and stuff like that. I love paying more taxes. Thank you. I appreciate your, my taxes. Okay, so again, what the fuck are we talking about, please? Well, you know, with her green card status and her getting a work visa, we're kind of on the fence about if she should work or not.

We're on the fence, are we disagree? Yes, he's on one side, I'm on one side. Ah, so, okay, we're not on the fence, we're on either side of it, gotcha, as you were at one point, so. Honey, I came here legally. I know. The existence of offense does not make you illegal. I mean, if she came across illegally, we'd have way more money.

Yeah, yeah, yeah, okay, okay, okay, guys. Okay, so what are we disagreeing about? I don't want to be put in the boxes a lonely housewife or a board housewife. You in boxes. Like a cat. Yeah, but like I want to be able to provide for our family in some financial way. Do we have kids? No, not yet.

But we have four babies. Okay. So you want to be able to provide, I.E. go to work? Is that what you're saying? Yeah, like I want to... Which makes me think that you're saying, oh, no, no, no.

No work for you. Well, I mean, on my side, I believe that, like, there's more to the, like, providing to the family than finances. He's a trad. Yeah.

You've married a trad. But you don't want to be trad. No. You don't... Okay. Seems like a... interesting marriage to have been made because that's kind of a relatively important thing as in like how we live together and exist together as a couple.

But like our personalities mesh well together and he won't like stop me from doing something. What's your pushback then? What are you doing? How is this conversation going? I mean, it goes back and forth. Some days it's, you know, we're looking for a job for her. Other days it's like, you know, it's easier for her to help with the animals and like, especially later on when we have kids. How many fucking animals do you have? Six, nine. What was your position in the military?

How's a calibrator. Does what? Calibrating equipment. Right. Okay, so gotcha. Now, obviously more income always helps. However, like again, $7,000 for Palestine, right? That's pretty chill.

Yeah. As far as I know. So it's not like we need that. Obviously, if you want to work, I would rather you have work if you find purpose and not absolutely sure. But this isn't necessarily an income problem. So why are we so f***ed? Because clearly we're f***ed and this marriage is started off in a f***ed position.

Who's bringing the debt? Who's not? Who's bad? Who's good? Who's what's happening? For me, like, I just want to have a purpose and like I don't entirely appreciate like the comments of like the trad wife situation. In the end, he's not going to stop me from. No, I'm saying he prefers that.

Yes. But. So you're not appreciating the reality of what he is literally saying. What the fuck are you talking about? What I'm trying to say is that he's not going to stop me if I want to work, but he's obviously going to voice his opinions. And with my situation... So what are you against what was said?

Because that is what he wants. But I had watched this episode in Somalian woman and the way that, like, you would kind of put her in like that immigration box. Immigration box. What do you mean? Like just the way that you spoke to them. She's an immigrant? No, like, she was working and then she wasn't.

And then, like, it's a very different situation for us. We were fiscally irresponsible, and that's what we are here to try and fix. You want your advice. That is not how this conversation is going to go. Stop trying to control this, okay? You a little domineering freak. I just, I don't, I didn't like how things were handled in that episode. What?

Just like the way that you approached and handled, like, their situation. Like, are you able to say, anything of any relevance? Or are you just going to say broad terms? You treated it like 90-day fiancé. Yes, because they were doing a 90-day fiancé K-1 visa, just like the show. And I was not aware of that, but I just really didn't like how... It was talked about in the episode. If you're going to make commentary on the episode, maybe watch it.

I stopped watching halfway through because of the way... Good. I love when we do research on a topic and only consume half the information. But the way that you treated, like, the guy was a piece of work. But like, um... What's your criticism, lady? You just were kind of rude to them. Like, I get that... Oh, as in literally three years of this show existing?

Do you have the ability to look at videos? We upload three a week, three a day in terms of clips. Do you have the ability to click-clack? I don't follow you. He follows you. Okay. So we're making criticisms without doing... any proper research because I guess we're a moron. All right.

So that's interesting. Any more criticisms not backed up by reality? All ears. Not right now. Oh, okay. So no adequate information was able to be provided. Okay, so I was a little rude to them, i.e., literally she watched an onboarding video where I say,

I'm going to be rude to you. If you don't want to participate in this, it's okay. you don't have to. Then she's like, I'm going to do it. And now she's here. And I'm being a little rude. I came on the show to support my husband. Okay.

So I guess the water supply is a little tainted in Canada. All right. So how is she supporting you? She helps take care of the home. I have a whole bunch of issues where I can't always do everything myself. and with me focusing on work, it allows, you know, equal. But she doesn't want to do that. She wants to work outside of the house, which again, I am not against.

I'm not opposed to that. I mean, that kind of is the separating point is the, you know, like, I believe that I'm able to bring enough money that she doesn't have to worry about going to a nine to five that drains you. Yeah, but that's not why she wants to go to a nine to five. Do you not understand her point? Her point is that a lot of people find purpose in the work. of people like to pursue a career out of ambition. A lot of people want to feel like that they are bringing in money because it's a part

of our culture. It's part of Western culture. Even in Canada where things are completely f***ing there's been no productivity growth for four years, they still want to bring in money to support their households. So, I mean, do not understand that? I mean, I understand that she wants a purpose, but I think that as time goes on, she'll see that her purpose is more than working a nine to five. I mean, we know what he's trying to say.

You're saying her purpose is to give birth to your children and raise them. That's what you're saying without saying it. Not entirely. Come on. I mean, like, you know, she's helping with the community and, you know, she's a part of the church. And so there's definitely different avenues she has. Okay. So we visit the mosque constantly.

Got it. That's okay. Good, good, good. I'm glad you guys are supporting the, community or something. You can still do that and work. Are you saying she can't do those things and work? I mean, it's going to be easier for her.

You know, working minimum wage jobs for a while, it makes you realize that, like, it's not fun. And if it's something that you don't have to worry about. But that's up to her. She can stop if she doesn't like it. And this gives her more flexibility with your stronger income, half of a due to disability, but a stronger income,

it gives her the flexibility where she doesn't have to rush into a job. She can wait until she finds a job she wants. Yeah. I'm saying she has to go put the fries in the bag. Yeah. Another issue, too, is, like, she doesn't have a driver's license yet.

So, like, I'd have to drive her to work every time. She could Uber, right? I mean, out in the woods. How far of a bike ride scooter? Would it be? I mean, it's like seven miles to town, so. Okay, okay, okay. That was just to the gas station at the,

end of the road. And how far is your commute? I work from home. Okay. So you have a little bit more flexibility. My commute's like from the bed to the office. So I think you have a bit more flexibility. You can probably take her if she wants to... Why are you so set on you determining what she's doing? I mean,

I have my values and I respect hers. I'm going to support her, but I feel like that... It seems like a pretty big divide. What are your thoughts on this? Because I don't know, you've... You've married this. And it's not bad if both It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane

grills starting at $179 like the next grill three burner gas grill or get $50 off to 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. Shop spring backyard days for seven days at the Home Depot. Now through May 6th. Exclusion supplies to They're aligned, but you're not aligned on this. I mean, if I want to work, then he's going to let me work.

But right now, like... Yeah, he clearly won't be happy about it, those, the thing. Which is, you know, a problem. Like, a lot of the work I'm doing right now is volunteer-based work, and I really enjoy doing that because I'm helping the community in a way. Yeah. And if I wanted to work, like, there's some opportunities in the time. town, but I think, like, he just doesn't want me to work, like, at, like, a grocery store,

like McDonald's, like, just because he has worked in those places and emotionally and physically drained him a lot. Exactly, but this allows her to get whatever job she wants. She could be the fucking community beheader, you know? It's, there's a lot of options. Yeah, I mean, we'll, we'll just have to see what lines up. I mean, I definitely think. This is weird guys. You guys are weird. You came in kind of like a bitch and then you're coming in and you're not like allowing her to leave the house. And well, she'll do it anyway because she, you know, she's persistent. Stubborn. Stubborn. But she's... Tenacious, I prefer.

Canadian. Fair enough. That's a good one. But like the volunteer I'm doing work I'm doing right now that's like taking up a lot of my time can go somewhere. Like it's not like I'm just like doing it. because I have nothing to do. Like, I shoot my shot with this company and, like, they were like, they looked at my work. They said, yes, kid, like, I'm not getting paid for it, but, like, I am helping them. And, like, this could go somewhere. So there's been conversations about it going somewhere once we transition. I can't say a lot about it right now, but it is a movie.

And my name, they're working on getting my name in the credits. Okay. Okay. Because I'm helping them with a lot. of the background media stuff. And I guess that just gets put on your IMDB. Is that what we're like that? And then like my stepdad also owns an auto shop.

So like I create an Instagram. No, in Georgia where the rest of my family lives. But I create an Instagram account with that and I help them manage it. So like a lot of that, I have a lot of social media and like background experience with that. Lindsay is on you right now. no she's being okay she just said oh you created an instagram account whoa okay great like social media I created like all of the like posters and post behind it um like I do a lot of the social media management for that auto shop

how many followers does I have it's a newer account because I had to create a new one but it's also uh yeah if I can find my phone I moved on products Oh, she's a Disney adult. I am not a Disney adult. Did I see Disney stuff on that backpack? It's stitched, but I'm not a Disney adult. Oh, they're telling me your honeymoon was booked for Disney. That fell through.

Why? No monies. Okay. Do I see four posts? I literally created it like a month ago. Four posts in a month? They're telling me, that you disagree with me on some big things.

I mean, there's, you know, there's certain items in life that kind of sucks that they're expensive, but what joy do you get if you live out of a cardboard box making a whole bunch of extra money? Did I say live in a cardboard box? No, the auto one. But your one that you were bragging about has like 39 followers. It's a private, it's an open account. but like I don't. But if it's to brag about building a social media presence, right?

Because if that's what we're using to get a future job, I'm not like bullying you on that. Like we can't use it as like a resume piece. Yeah, I know. But like that. Can I see the other account? Yeah. So what the,

what the fuck are you talking about? Yeah, it's expensive to buy a foreigner, but I don't know. Like the old Instagram account that got locked out had like a ton of posts on there. This one I'm trying to rebuild and get all the followers. back from the old account, which is taking way longer than I thought it would. I've had 156 page views this month.

Okay. Okay. Okay. You got to post a lot more than that. Lots of stories, lots of reels. Get on the Algo game. What? What am I saying about cardboard boxes or whatever?

You guys are obsessed with boxes. There's like, you know, certain life luxuries that are... Are you guys able to ever say any examples with any criticisms you have? Please use an example or just say what you actually disagree. You guys are saying such broad things that have no... You talk about like door dash, right? Door dash, yes. Some days it's easier to door dash things than it is to cook.

Did I ever say it was harder? No. So what's the argument? Because I never said that. I said you're a financial fucking moron if you're in high interest debt, can barely afford to pay your bills and you're spending $50 getting delivered dinner instead of $7 meal prep.

Yeah, I would say that, but I never said it was easier. It's worth it sometimes. Not financially. Worth it mentally? Not physically. Worth it mentally? Maybe. But also not really because you're fucking still financial.

You guys financially stressed at all? I mean, I believe everything's going to work out. Well, it helps that you get $4,000 a month for the rest of your life, inflation adjusted. What else? Because that was a bad point. and we'll just have to go through it. Really? That's it. He disagrees with me on things and it's

sometimes door dash is easier. Yeah. Guys, why the fuck are you on this show? To fight me with that? Come on. I'm good with a little combativeness and I'm good with people calling me out on things but my goodness, you sound like Reddit. You're not even bringing up good points.

You know, like I was, talking to a guest, I, how we've talked to every single guests that they've consented to through multiple onboarding processes over three months. You think that getting DoorDash makes more sense than meal prepping when you're in a heinous debt that is destroying your life. You can't even bring up what you didn't like about me saying. You can't bring up a good point why DoorDash is better.

Do you guys have anything here? You know, one of the examples is like you were talking about how it's cheaper to, you know, put a mattress on the ground and sleep on that instead of buying a bed. Obviously, financially, yes, sure. But sometimes, like, I need to have a new bed frame. It's situational. It's not one-size-fits-all. I brought up how I focused on paying debt so I slept on an air mattress

when I moved to Austin for a long time. Yes, if you have back problems, obviously, maybe you can't do that. Nothing is one-size-fits-all. 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. Wiery Fai says, Chill out!

No more sacrificing the family jewels. They don't reduce you to a credit score number. They just want to see if you're actually planning on paying. By the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle. I mean, some lenders want to charge you so much, it's where they were putting your firstborn on layaway. So if you're tired of monthly payment so high that you can't afford a single sweet treat,

WRIFIs got you. They'll arrange your repayment plan, ease the monthly hit and even let your poor co-signer off the hook. Remember dad, they can finally breathe. Oh, and if you think you'll just get stuck on a call center wait list, guess what? 4.6 stars on Google says Y ReFi actually picks up and treats you like a real human, which is a shocker, right? In finance, that's something as rare as me not slam into desk every episode.

What? So if you're done fantasizing about robbing a bank, don't do that. By the way. But just check out Y ReFi. They're here to help you actually crush these loans without selling your kidneys on the black market. Go to y-re-f-y-f-com slash hammer. That's y-refi.com slash hammer. Or call AAA-Refi-78.

That's AAA-Refi-78. And see how a real personal approach can help you escape the private loan nightmare. Because let's be honest, living with crippling debt till your 90 is not the retirement plan you dreamed of. Anything else? Let's get back to yours. What did you not like me saying to her? You just looked at it literally like I just I don't want you to look at me like I'm that couple

Like I did not come here for a 90 day fiance visa I came here for school Okay have I suggested No but I have been put in that box before I have been Why are you preemptively freaking out on me then Because I'm defending myself and defending my honor But you're defending against something that hasn't been said I'm just like letting you know that like that if you do that

that's not cool. Like, you did that to them. Okay, yes, I get angry about things that haven't been done as well. I'm pissed at you for punching me later, potentially. That's very upsetting. I'm preemptively pressing charges. I'm not opposed to this process. Also, 90-day fiancé is the name of a show.

It's 90 days because in the K-1 visa, you get to come here for 90 days and then get married. That's not even a bad thing. I have been viewed, like, at school, my classmates were like, you're just here for like a green card through getting graduated. Were they joking or were they being genuine? No, some of them were genuinely serious.

Okay, well, they're being a... And honestly, who even knows? If you are or not, it doesn't matter. But I don't want you to view me as that because you don't know me. But also, I didn't view you as that. I never said that. You're making something up in your brain that hasn't happened. What the fuck are you guys?

This is the weirdest couple I've ever had on. and then you bring up a criticism of another episode out of fear for yourself, I guess? I don't even know. You didn't like how I was talking about her? They were very clear she was marrying for Visa. I mean, that was as clear as the day, you know, as day. But that's okay.

They can live whatever kind of life they want. I mean, it was very clear. With the dowry and everything, it was weird. Are you paying a dowry? No. That I'm not making that criticism. I don't know what you're on about. You're going to come on here and try that?

So what are we doing? All right, well, let's just jump into these finances. I want to hear, at the same time, I'm going to go three, two, one. And on go, three, two, one, go. I want you guys at the exact same time to give me what you think your household financial score is. So the entire household, zero to ten, zero being the worst, ten being the best. So three, two, one. four seven ish i don't really know like i'm trying to understand it but at the same zero being the

worst 10 being the best i'm trying to understand it but i haven't quite gotten a grasp on all of it like are we talking about you mean the household finances yeah okay that's interesting okay well i'm gonna i'm okay the discovery is up first um and uh i'd like more information on that but if you guys want to get your financial score make sure to take the assessment at Calebhammer.com. You can also go to Calebhammer.com slash apply and join us on this show here in Austin, Texas.

Don't forget, if you don't want to be like, if you don't want to end up on this show, just download our dollar-wise budgeting app. Make sure you take the annual version, take the free trial, then take the annual version. I'll send you our budget-friendly cookbook,

signed by me, mailed directly to you, and join Dollar-Wise Central, which is a program you can join where we can take all of our educational programs for much lower price than taking them individually. We did that so more people could have access. So go to Dollar-Wise. com. Okay, so you don't have a lot of grasp on the finance. Again, I want to get into this

discoverer, but I need more information on that. What is happening? Well, I guess from your perspective first, why don't you have a lot of graphs on the household finances? I'm not like super math smart. So like looking at like spreadsheets and numbers, like it doesn't always like make sense to me or like where this number is going to or why this number. Like, I'm going to let you know out of the gate. I mean, I'm fucking math. I was in borderline. I was in borderline. line like on the edge of like I could hear the next door when I was you know in math class I was that close okay so I'm very bad at math very bad at math this is this is elementary I'm not saying that it's an insult to you but like this is you just got to look at it for 10

minutes and you get it because it just tells you okay here's the purchases that were made yeah like I understand that part okay so what's the struggle? I've never, like, had a credit card to my name. So, like, I've never, like, actually had a credit card before. So, like, just understanding how, like, those can be a dangerous slope and try and understand, like, what we might be using them for is where I'm trying to understand, like, the situation. What's your take here?

You know, one of the hardest things with, like, having an immigrant life that's not all the way in yet is no bank. Why are you framing it in this? Why are you framing it? You're going to get me in trouble again with her. Why are you framing it as, my fucking immigrant wife, my fucking four and her bitch wife. Like, what are you talking?

Okay, sure. So, like, she doesn't have a social. So none of the banks allow her to have accounts. Yes. So it's hard for her to get into it and actually see the numbers daily. Yeah, but she could just log in with the same bank.

if you're willing to share it, which is your wife. Is he not willing to show it? I mean, I could have it if I wanted to. She thinks you're a pushover, by the way, because anytime there's anything, she's like, I can just, I can fucking do that if I want. You pushover? Do a limit.

Happy wife, happy life. Sure. What's the limit? All right. I will have a conversation with him before I do anything. Like, I won't just, like, go out and do it. But you'll do it regardless. Probably.

Okay. But like, if I wanted to look at his accounts, like, I can. Like, if I wanted to, like, look on his phone and, like, see it, I can if I want to. Like, it's not like he's hiding anything. Where's the disconnect? Why aren't we sitting down just talking about the household finances on a monthly basis, though? Why aren't we doing any conversation of budgeting, anything of like, okay, here's the situation. I assume you're bringing the debt into this relationship then because you haven't handed a credit card.

Even though there's more debts that we can get than our credit card, but even still. It's all my debt that I've got it. Why aren't you communicating effectively? Why aren't you explaining? Why aren't we sitting down going over a budget together? I mean, we have a monthly, if you want to call that, a session where we talk about it. And how would you say that goes? How would you say happens?

Like with that, I plan what groceries we would get. How do you plan it? Is it based on like how do you know what is left to do groceries? How do you know how much we can? So we do a lot of our shopping at Aldi because they have for certain things and it saves us a lot of money by doing Aldi shopping. Yeah, I'm sorry, that doesn't answer the question, though.

How do you determine how much money you're able to spend on groceries, though? I obviously go into the pantry and look at what we have. And then he tells me, like, I'll tell him we need this stuff and he'll tell me we have this much money for it. Okay, so you are the one that essentially gives permission to spend money. Yeah. Why is it permission to spend money instead of being on the same page about what our financial situation is month and budget appropriately? I mean, I try to communicate it.

Why does it fall in deaf ears? Why does that fail? My brain goes to the worst case scenario. Like, the ship is sinking, like, that's what I've seen with my family financial history. Like, growing up, like, I only ever saw, like, conversation wins it was bad. Yeah, same. Um, so like, that's all I really know. So my brain goes to like, like, are we in, like, sunken ship territory?

What are you talking about? Oh, one second. Sorry. Hello? What? What the fuck? Okay. Hold on.

Hold on. Oh, no. Nope. We can't do this. We got to. We got to talk. We got to talk. We're not.

We're lying. We got to get chatting here. We got to get chatting here. Let's go. Go, go, go. Go, go. Go left. Go, right, go.

Go. Let's go. Wait, go. We had it! Let's go. Go, go. Go, go. Go.

Go. Down to stairs. You gotta get out of here. Wait. What is that? It's here. It's beautiful. Did you just see into my dream?

Guess I can't keep this secret anymore, can I? anymore, can I? For the last few months, we've been building something huge behind the scenes. Simpler budget and simple money are now dollar-wise. And today, we're launching our flagship program Dollar-Wise Central. And this isn't just a rebrand. This is everything I wish existed when I was broke, confused and tired of feeling behind. Because most people aren't bad with money.

They just never had the system, tools, and education that actually works for them. Dollar-Wise Central fixes that. You'll finally have one place that does it all. And only just one of our courses cost $197, but you're getting everything, all of it, for just $149 for 12 weeks. And that is the lowest price we'll ever offer. And once you're in, you're locked in. Here's the truth.

This isn't just about money. It's about peace of mind. When you stop living paycheck to paycheck, when you stop lying awake at night wondering how you're going to make it work, when you finally feel confident, calm, and in control as your system leads you through the process of real wealth building.

You said this place was steps from the water. We just haven't found the steps yet. How much did we save? Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your oceanfront room. Just steps from the water.

The Hilton sale is on now. Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected. When you want savings, not surprises. It matters where you stay. Hilton for the stay. When everything changes. You stop surviving.

You start building. And you become the version of yourself that your family, your friends, and most importantly, you can be proud of. Dollar Wise Central is here. Click the link, Joy in now. Let's make your money work and let's build a future that you actually feel good about. I'll see you inside. Okay.

But you have the conversation, you try to hear it. He's saying he tries to have the conversation and then you just don't hear it. Because most of the time my brain will be like, like, like, Are we as bad as my brain is making it? What is your brain making it? Where do you think you are? Like under the water sung in ship territory. How much that does the household have?

What, how much, you, not you. How much debt does the household have? In what way? Get rid of the mortgage. How much debt does the household have? You two combined. We have the car payment. Including the family members, apparently.

I'm not sure. This is important. We should be on the same page. especially if you want to be like doom and gloom, which I kind of understand, you should at least know what the doom is. Yeah, like, I understand, like, the basics of, like, the plan he has and, like, what he's doing.

How much debt do you think the household has outside of the mortgage, so? Think. Just think. What do you think? What is your gut telling you? I don't quite know. Come on, just got. What's your got telling you based on the conversations you had? Hit me.

I have no idea. A number. A number. Come on. I'm not going to take it. an anonymous answer. Based on the conversations you have, what would you think it is? If you had to do your best guess, your best guess. Like 11.

Okay. Okay. $43,000 of bad debt, high interest, bad debt. Or family debt, 43. Then there's, of course, the mortgage of 302. But, okay. So we know where it comes in. What went out last month. 7,000 comes in. How much went out last month? What do you think was spent? This includes on debt. I'd like to hear from you. And then I would like to hear your answer.

What do you think? I honestly don't know, like, right off the top of my head. So it just kind of makes sense that when he says that anything he talks about finances, just kind of, what? If we're going to be doom and gloom, you got to at least kind of have any inkling of the numbers, right? What do you think was spent last month? Best guess. Like, I have no idea.

Best guess, dude. I don't know. Just based on any conversations you have, what you've witnessed, what do you think went out, including debt payments, including, you know, everything, just everything. If I had, like, something in front of me, like, I do best with paper, so. You just told me you did bad with that at the beginning. So, like, a few minutes ago. I'm a paper and pen person.

Like, if I were received on a computer screen, then it's just like. Really? Are you sure? Because I think you're not answered the question kind of person. Just best guess based on the conversations you guys have had. He talks to you, to you. You don't listen. What do you think?

3,000. Okay. So 7,000 comes in, 3,000 gets spent total, even though your mortgage is probably close to that. Okay. And you? I mean, I think last month we had some repairs or something. So it's probably like 7.5. It's not like... $7,500? Okay. It was $17,159.3. What the fuck are we talking about? Yes, that is doom and gloom because that is apocalyptic because that is bad. It is $10,000 than comes in our normal monthly basis. $10,000 more than comes home. on a normal monthly basis. What the fuck? Come on, you're the one managing the finances. You're supposed to be the big guy,

the guy who knows, the guy to talk to her. Our, you know, owning a home is great. We had our septic tank go out within a few months of us owning the home. Good. Then you shouldn't get a home unless you have a fully funded emergency fund. So we had to replace that. And while they were doing that, they nicked one of the AC lines.

In total, we spent like 9,000, repairs on just the house. But even still, let's say 9,000 just went to the repairs, which who even knows if that's what that happened that month, we're going to find out. Still spend $1,000 more than came in outside of the repairs

then by your own math. We also had to we had to buy a whole new like bathroom set because of all this. The septic tank failed. So we had, you know, an inch of water in our tub. So, I mean,

I don't know about you, but I don't like to use toothbrushes and shit I don't know I don't know what's going on with this discovery

a card what I can't tell is the balance from last month was big but it was also paid off but then you

tripled it I can't tell does this have a balance is it paid off every month what is going on well my grandmother

paid off the card and then let us use it is it your card it's in our procession is it in your name No. This isn't your grandma's name?

You put $7,000 fucking dollars on your grandma's name? Your grandmother? She allowed it. She's your grandma. What do you think she'd do? She's an old sweet lady. How old is she? 70s.

Oh, how the fuck dare you? That's disgusting. That is disgusting. Do they do that in Canada? That is disgusting. I mean, she believes that once she passes all the dead disappears. Credit card, yes. But there's going to be certain things to potentially settle,

especially in the state of Texas. If you're taking advantage of any assets she might have, are you expected to get any assets? I don't believe so. Okay. Then you wouldn't have to worry about the settling, but someone else might that is going to get her assets. So you're passing this on to someone else

that you're probably related to, potentially. Hey, having fun, you're just playing with your little ball there. Are you here? What the fuck is going on? You just looking down? Are you listening? Are you participating? but why the fuck you guys here?

Hello? I'm here. What am I doing here, dude? I mean, we're obviously here for a reason. Is she? Does she need to be here? Sure, I send her to the other fucking room. Huh?

Don't. You're ruining my mood. You're bringing such dark energy to financial audit. The fuck. Does she even know what she's doing right now? You're just being miserable to be around. All right, I brought you a proper American. style wife

to sit in. He's a good bottom so he'll play for you for now. Okay. Discover it. Again, this is what I tried to be on.

I don't necessarily know how to She knows what shows she's on, right? Yeah. Okay. Don't you? I know what show I'm on. Yeah. Well, your name's Alexis.

So, okay. So on the discoverer, what you put on your grandma? This is your grandma. Your grandmother has this. Well, your grandmother, your grandma in law. She suggested it because that was the only, like, short-term solution. We kind of had a long-game plan for it. Why did you need this?

Why'd you need this $7,0.78.90? Your cologne is very strong. Can't take it with you when you're gone. The cologne? No, the debt to granny. Okay. Because we literally had sitting for months

We had to go walk to our cabin on our property So your grandma had to do this Why didn't you? You should never get a house Without a fully fund on emergency fund Why? This is the first gay male couple We've had, by the way.

I'm very excited about it. I'm straight. Because Should never get a house without a fully. It's not as... Why'd you do it? It's a lot easier to get into it now than it is

because I didn't have to put down anything for the house. Great. And you, great, you should still have a fully funded emergency fund. How does that change that? You should never get into a house which is going to demand repairs and higher expenses in many different ways. But you get the advantage of the market grows. You get an equity position.

It's great. Why would you do this without a fully funded emergency fund? Look what it did. Now you're putting $70,000,000 on grandma. 70,000 hours on grandma. 7,000, sorry, on grandma. With the way that the housing market was at the time, it just made sense to get into it now rather than later.

It does never make sense to get into. Look what it's done! The house has gone up from 190. Yes, and now you're in deep card-to-card debt, and a lot of it, it's on your grandma. This is what happens when you buy a house without a fully funded or emergency fund. It doesn't make any sense. Now, Alexis.

Listen. Is this how Alexis acts, when she's home. Because, like, honestly, she was fighting on everything for no reason. She was so defensive. She was nothing. When we, obviously, of course, we're a little goony for the show, sure. But it's like, we want to get through these statements and stuff.

And she just, just like, is this how she acts in all the financial conversations? Sometimes, yeah. To be fair, grandma's had twice as long to work. We should be able to pull from that fund. Do you agree with that? I mean, it's the situation we were in. It was either that or we, had to shower with the host.

How do you interact with her, though? If this is how she is. Not this, obviously. This is a little bit of a bit of a bit. But before. I mean, you know, it's just learning how to get the message across. What have you learned? Sounds like we haven't come to a conclusion yet.

Some things are more touchy than others. What's touchy? Apparently, just the word immigration makes her fucking go new. Yeah, some words are more touchy than others, but it's just... She's an immigrant. That's not a bad thing. Yeah. But why does that word trigger? Either way.

Okay, cool. So what about the finances, though? I mean, I try to tell her and involve her, but, like, right now I'm in this position where a lot is, like, changed, not financially, but, like, I expanded my debit cards into the three to try and section money for where it goes. What does this have to do with communicating to her? But my budgeting app has gotten so out of sync. Why?

Because it's changed so much. Sounds like he's not using the right one, okay. So, I don't know, I'll put you guys through therapy sessions with sound or mine. It's what I use. It's what I recommend the audience use as well. And I'll get you guys should use the FIS credit card as well because, well, it's a debit card that builds credit. Fizz card.

And I'll also give to her course career certification so once she gets into the workforce, she can leverage it to land a good job. Those are the resources that are able to provide, plus all of our educational classes and app. But there's Discovery card again with the grandma. This is so... Okay, so are you making the minimums on this?

Like, what's the plan? So, she's going to be living in the cabin that we have on our property. And so, like, she makes the minimum out of security for herself, and then whatever I can throw in and then I pay the bills for the cabin and then she puts that money towards the guy overcomplicate this it's so weird she's make the fucking payment I'm working on it go on

you know it's outrageous paying $80 a month for a phone plan just for your dad to text you a singular okay to your long text messages but helium mobile today's sponsor said forget that and drop the price all the way down to zero zero zero dollars a month, no contracts, no credit card. You just bring your own phone and number and boom, you've got a real phone plan with three gigs of data, 300 texts, and 100 minutes of calls. It's perfect for light users, travelers, or if you're, I need a backup line in case my current provider ghost me type of situation. And then there's a new sprout plan for kids for only five bucks a month. Your kid gets the first phone line and you stay fully in control. With unlimited

calls and texts, your kid is always just a phone call away. You can set limits, try to usage and even decide how they spend their cloud points they earn. And that is right. It rewards them for using the service and you approve where the rewards go. Parenting hack, maybe. Need more data? They've got you covered with their air and infinity plans at only $15 or $30 a month, respectively, which is still way cheaper than the other carriers. You can opt-in location sharing to rack up those cloud points and spend them on digital cards on Amazon, Apple, Sephora, whatever is in the cloud store. And coverage? It's nationwide 5G, thanks to their partner network, boosted by the helium network, a decentralized network built by regular people, which is somehow more reliable and way cheaper.

Think Uber for cell towers. So whether you're trying to cut costs, parents smarter, or just escape the contract chaos, helium mobile's got a plan for you. From $0 to unlimited. Click the link in the description to check it out. Let's get back to the video. I've been making like $500 a month into it. I fucking hope so, but that's not what I literally see in your most recent statement. Also, by the way, you know, when you...

you guys were going out to eat as, you know, stuff like that, of course, which we know you did in here. But this credit card, Grandma bailed us out. Grandma bailed us out. Grandma bail this out in order to survive to make the repairs. Oh, wait, we're going to McDonald's, Marshall's, Ross Store. In Fast Wap. Partials for work.

Partial is because we couldn't do dishes. Partial? I didn't say partial. Oh, partial. Partial. So Rostor and Marshalls is for work? I had to get a suitcase for work. So you had to go to two locations for a suitcase? The company reimbursed me for that and I put that towards it.

Which one? You went to two. For both of them. And okay. And the McDonald's and PayPal and the infest, no, infest, stop. In fest away. That was our pest treatment to get termite treatment around the cabin in our house. $737. So grandma covered all that. And mosquito stuff.

It was the second thing. It was $500. But again, it was $7,000 to purchases. We got gas. Morgan. Poditieri? It was for an appointment that we didn't have the money at the time to get this. M&M worth?

Oh, that's to have the septic tank pumped. So we had to have it pumped before. And then. Lots of Walmart. Again, this is all grandma, though. at 21.24% interest. So she's having to have that interest accrue on her life. I'm trying to pay as much as I can.

Okay. Now kiss your wife, please. I've standards. All right. Okay, Navy Federal. What's going on with this one? Because let me tell you, this one you did not put a big payment to you.

And we know why, because the last one was only grandma putting a big payment towards it. But whatever. Navy Federal Credit Union, on here we owe five oh my fuck oh you're over the fucking you're over the fucking limit your hubby is over the limit you're over the limit five thousand four hundred seventy eight dollars is what the balance is

you're over by seventy eight dollars and twenty six cents why uh the interest is high on it and minimum payments just barely make enough no no no no no no no you little hey guess what if you make your minimum fee payments it covers the interest enough where it at least goes down. It wouldn't be above the limit. That's a lie. How about the $131.81.81 of purchases? Maybe that's what did it.

Yeah. This is what you want to attach yourself to for the rest of your life? What's the point of having a card if you can't spend on it? He's trying to be Alexis. Yes. Is that what she would have said? No. Oh, I'm an immigrant.

I mean, it's what we had to do. Okay. Thank you. Canada to America, very stressful. Biggest, biggest culture shock that anyone has ever experienced. Okay. So why the fuck are you purchasing on the card that you can act payoff

that is accruing $79.55 in interest? Because I prioritize paying my bills and sometimes there's a bit of overlap. What? What? that does it make sense to be. Do you translate for him? I prioritize paying the bills

that result in things getting shut off. Yes, because on here, it's Amazon and DoorDash. What the fuck, dude? No, that's not a joke. I know we're being silly. That's not a fucking joke, though. Amazon and DoorDash pushing you over the limit. I mean, yeah.

I mean, yeah. I had to buy some stuff. Yeah, pull up your Friam for me then. I don't even remember what I got. Uh-huh. I had to buy some stuff now that I'm going to see it as well. I don't remember. Uh-huh.

Uh-huh. Minimum monthly payment is 133.55. Hey, buddy. How long does this take to pay off if you only make your minimum fee payments and you don't purchase on it? Which you still pull up your phone. That's not an excuse to put it away. if you only make your minimum fee payments and you do not purchase,

of which you are incapable of not purchasing. But how long does it take? Forever. How long does it take do you think? I mean, it's probably like 10 years, 12 years. 21. I'm going to use this year's tax returns to pay off a chunk of it.

What tax returns? What was your big chunk of tax returns? Why would you get something so big? Because putting her, Your withholdings are insane. Huh? Because originally we were filing as just me because I only had the income coming in,

but because immigration wanted us, the lawyers wanted us to have evidence that I'm not filing as single, where we put an extension on it. So now we should be getting back about two or three grand. That's not going to pay this off, buddy. You got, that'll bring it.

That'll make it not above Max. We got five eye cups. It's probably shows she can walk around and not see that she's in a different country so it doesn't terrify her. Cable splitters. You got more cable things. Audio speaker wiring. Someone's doing a fucking project. AirPods for you.

Come on. You don't need that to survive. Memory foam ear tips. Travel backpack. Indoor, outdoor, cat thing. Large eye guy. glass cleaner. Oh, a fucking mount for our Apple TV. Come on. You're just getting so much bullsh on here. So much bullshit. And then what's in our car? Oh, $185 speaker. No, fuck off. No, I'm deleting it.

Off. Dude, you don't have money. You're maxed out on a credit card and you're using a tax return to even just get it below max. It's so stupid. I'd be careful touching that and immigrants been touching it. Listen, why the fuck are we purchasing so much Amazon when this is over maxed out? And you have no hope of paint it off. It's the tax returns the only way and you're only getting something special because of her. Because I have house projects that... You don't get to do fucking little wannabe projects and get AirPods and all this wiring speakers. Those house projects.

Those are house wants. Not house needs. Getting the shit out? Yeah. That's a house needs. This little speaker project and the little cat thing and the fucking this not needs. What? With the AirPods in defense, though, is, uh...

So you didn't have to hear her yap? No, because... Or is that what she wears when you try to talk about budgeting to her? Because we have enough of a cushion that some of those household luxuries are okay once. Are you fucking... What are you talking about? You are over maxed out. What are you?

actually talking about? What f-cution are you talking about? Possibly. You spend 10,000 more than you brought in, cushion. You're using your grandma's credit card cushion. Fck you cushion. Fck you cushion. How dare you even use that word?

Legitimately, how dare you? That's disgusting. You're using your grandma's credit card and you're using the word cushion. No, this is not funny. This is not fucking funny. You're using your grandmas credit card. grandma's credit card.

And you use the word cushion with me. Fuck you. That is some bullshit. What the fucking a man are you? That's disgusting. What do you have to say? That's fucking bullshit. Oh, more DoorDash, by the way, and also the pharmacy.

The pharmacy is fine, but you got Panxpress DoorDash. $312 of interest is here so far on a 17.24% interest rate. Yeah, what do you have to say? You only live life once. Good. Die? Put it on everyone else around you. Damn right. American Dream.

You don't care about fucking your wife when you die? She'll be set for life. Not for life, life. What do you have? Like $600,000 in life insurance. Okay, that's not for life, life. And she gets my VA retirement and... That's for life, but even still, it's not going to be perfect.

Other military benefits of, like... Set for life is millions, though. Come on. I mean, the house will be paid. All the debts will be paid. She'll be getting $500 in income every month. Whoa, $500. Look at you. You're set up for life.

On top of that $4,000. Oh, my God, set up for life. Look what she's doing. She's not able to survive as it is. You guys can't survive off of seven. What are you talking about? I mean, $4,000 isn't insignificant, but you can't even survive on the seven.

Once it's lost. Also, only live once, fuck you. You're statistically likely to live a very long life. Not only after the army did to me. I don't even know what that means. What the fucking... Has China invaded that I'm not aware of? I don't know.

Okay, so listen, you are probably going to make it to your 60s, at least right? Yeah, probably. Good. Dude, you're 23. You've been out of the sun. Wear a sunscreen next time. Okay. It's a hard 23.

Yeah. So. 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. Yeah. You got more than double your life left. You only live once you're fucking the rest of your life right now.

Yeah. And your only live life once is getting Panda Express. That's a sad yolo. The current American situation. Go on. You might have to educate me on that. A majority, I mean, your show exists, so, you know, a good portion of Americans are barely making it buy.

Yeah, and this is your choice. You're getting DoorDash Panda Express. Fuck you. You're not barely making it buy because of the system. In fact, the system is only supporting you, thanks to my taxes. You're welcome. Okay, so a little confused.

You're going to use the system as an excuse. This is what it's like for every American. Dude, you're getting Dordash spending $10,000 money to make, putting everything on your grandma and you say, yo, fuck you. That's you. I mean, it'll all work out. No. There have been people that lose their house.

There have been people that lose their cars. There are people that go through bankruptcy many times. There are people who die in poverty. That is incorrect. What the fuck are you talking about? I mean, I'll slowly be chipping away at it. Says who, says when? You are putting money on grandma's credit card.

You are saying many things that have no business in reality right now. There's just adjustment periods where you have to keep trying. What are you adjusting? Because your only adjustment literally last month was putting money on grandma's credit card. That's where you're headed right now. Where's your adjustment?

Shift things around a little. What the fuck are you talking about, dude? You don't even know what you're talking about. That doesn't make sense. You're not doing any of that. All right. Let's bring her Brack in. Brandon's Colon's very strong.

I smell good, don't I? No. All right. Well, the news. She's decided that she hates me. She's not coming back on. So we're doing this solo, my friend. And you're going to have to try to communicate it to her.

Okay. Which, good luck. Yeah. I don't know. What a mess. What a mess. How that she... Listen.

How are you going to possibly... Well, now I have to actually ask it. I wasn't actually thinking... I literally wasn't thinking this until she brought it up. But now the fact that we're doing this, she's not willing to have conversations about this. You guys never have conversations about finances. What's your confidence level that she is not here just for a green card?

She was right. I totally did bring it up. I mean, I trust her that she's not in it for just a green card. This is so weird. This is such a weird dynamic. Yeah. I mean, it's our dynamic. dynamic. It works how we work it, you know. I don't know. We have a

50% divorce rate of this country, if I'm not mistaken. I mean, we have our own struggles. What are your guys' struggles? Because, listen, finances are one of the leading causes for divorce in this country. The finances are incapable of communicating about it with each other. She freaks the fuck out goes nuclear at all times. I mean, it's communication on both parts. Well, what communication? There is none.

My witness. stay here, in between fucking things, before and after. The communication you're talking about? I mean, obviously. But are you able to say more than two words,

please? I'm sorry, but I don't know what you're trying to say. We both are working on communication and what are your struggles? You said you have struggles. Communication. Okay, well, I hope that you guys sort of out.

I don't know. I was hoping. This is such a weird episode, guys. This is such a weird episode. Okay, we have a Capital One. What's up with this? Because we're at $4,305.66. Minimum monthly payment, $57.

You purchase $481. Oh, good. It's $5 over max. Well done. Interest charge, $14. $0.8. 20 years to pay off. So two cards in a row.

20 years to pay off? What the fuck is going on? Why are we two cards above the limit? Does she even know that? You even know there's two cards about the limit? No. Well, we have a break between this and the post show. We'll see if we can convince her to come on the post show

and I'll fucking expose you, man. Why do you have two? Why is this above the limit? Why are you purchasing on again? It's not the interest. Interest sucks, but you would be going down. The balance would be going down slightly. You are over because you're purchasing.

Because I'm putting too much money on the card to pay it off. And then I have to buy something. They don't! When did you figure this out? When did you figure out this magical, uh, uh, oh, we figured it out. Math isn't mathin. When did you learn this? Because you're doing it.

You're still fucking doing it. I mean, that's how I'm doing it. No. No, you said you're putting too much on the card, so you have to spend money on the credit card. If you know this, then why the fuck are you doing it? Because there's a lot of stuff that happens in the time frame. What? What?

Guy, oh my gosh, you are incapable of answering this question. The question is, you specifically have admitted that you put too much of money on the credit card so you have to spend money on the credit card. If you know that reality, then why are you still doing this? Because there's a lot of stuff that comes up that I forget about. Ah! Do not know. Why are you doing it then?

Because I'm trying to pay it off. But you're not working. You are self-admitting. Doing that part. I'm not saying the spending part. Why are you still putting that much money towards it? Towards it, if you are self-admitting that it is not working. Because I'm just trying what I can.

Oh, guys. 100. This is insane. What are you talking about? Buddy, that doesn't, that is not a fucking answer. What is Varago fox and hair? I got to keep my beard and hair looking good anyways. Well, so far no success.

what would it be like without? At least I look better than your hair. No, buddy, you are receding to here. I have a full head, my friend. Ha ha ha. I got a little patch here, but at least I'm trimming properly. What are you got going on? You got hair halfway up your neck.

This isn't a battle you want to fight. So what is it? It's a treatment? You just need finesse head, right, buddy. It's not even a sponsorship. I know some people get soft from it. personally I would just be soft in general. That's what she said.

So as many of you know, I've been a big supporter of course careers for a long time. I'm not just a partner. I actually own stock and I'm an investor. So why did I partner with course careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees.

Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources is to spend four years in college or take on massive student loan debt. Course careers offers a practical, affordable way

to launch a career in a high demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements, and that number is only going to continue to grow. I know some people think online programs

are a quick fix, but that's not the case here. Course careers takes effort and commitment, but they provide you with a streamlined proven path. They offer up-to-date self-paced courses, one-on-one or group coaching from people that work in the industry, and most importantly, they help you actually get hired. Just look at graduates like Nemeso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work, and course careers guided him every step of the way. And what truly sets course careers apart is that it's not just about learning skills,

about landing a job. Their curriculum is designed based on what employers actually need, and network of industry coaches will guide you through the entire process from learning the skills to interviewing resume help and beyond so if you're serious about starting a new career without wasting years or piling up debt give course careers a try start with their free intro course link in the description to explore your options and when you're ready use the link in the description for $50 off the full course your future starts right now in course careers is here to help you shape it um this is me but um Right?

Are you about to commit a mass shooting? I don't, like, what's... I'm trying to think. Yes, well, this isn't working. What is it meant for? What is it? Is it a finasteride? It's for getting my hair done.

Getting your hair done? And trimmed. It's a subscription to trim your hair? No, it's a... You got a razor? No. What is this? Going to a hair salon.

Okay, thank you for sake. You made it sound like it was like hair treatment. No. I don't fucking know. You got neck pubs. I don't know what's happening. Do you game? Yes.

You give us a bad rap, man. It's not fair. A lot of interest is accruing, of course. And you got a subscription, lots of all these. O'Reilly, Walmart, lots of Walmart, lots of Walmart, some bullshit purchases at Walmart if I had to guess, to be honest. 4% interest, why is it at 4%?

You're lucky it is. That doesn't give you an excuse to fuck this. You know, not to plug the military, but... Plug away. The SCRA helps it to make it like 6%. Anything that is existing before you join makes it come down to 6%. So this exists before you joined? Yeah.

That's nice. I mean, that's a good benefit. That's not one that... you know, milk's a taxpayer. Most cool companies will bring it down to four, but the legal limit is six. Okay. And they brought it to four,

so they were good. No, I love that. I love the vast majority of benefits. And I do have to say, especially since I made fun of it in this episode, and I have to mention this in case you're a first-time viewer, I'm totally good with military disability. We have an interesting fact that we've discovered in the show where every single, literally, we get veterans every other episode, almost,

maybe every three episodes, there has not been one veteran in the entire three years of the show, many of whom never actually went overseas or actually did anything or whatever. One of them was even just a cook who are on borderline full disability for the rest of their life.

This takes up 2% of the federal budget. 2% of the federal budget, just that alone, which is chunky. It's like $500 billion a year or something. So I'm not against it. It just seems like, uh-oh, there might be something wrong, especially since there's services out there that you can go to

and they help you sell your disability to the VA to get your disability. They literally coach you on how to get it. Yeah, something's going on. But I'm not against it as a concept. And I'm certainly not against the 4% thing. Again, we're putting, even though it's a 4%

that doesn't give you an excuse. I feel like that is giving you an excuse, it's giving you an excuse, even though it is not adequate, to then just go spend the money on there. Like, yes, get your haircut, buddy. I'm all about it. Chop, chop, chop.

You know, you're going to be giving it up soon anyway. So, like, enjoy it well you can. And at that point, just don't put it on a credit card. Well, I got to make payments on the credit card. What? Whatever's left of that big payment goes towards it. Whatever's left of that big payment goes towards it. It goes towards what?

The hair card? It goes towards the credit card. buddy let's speak in complete sentences please so I can at least fully understand what you're saying like you make larger you make larger payments and because you make larger payments you can't put it as much onto debit so you let's not make larger payments is a really cool thing please share another riddle if you if you must but it makes a minimum payment okay I don't know what you're saying what makes a minimum payment.

But it? Who's it? What? The big payment you make. And then whatever's left goes towards the minimum payment. And it makes a larger payment. Oh. Okay.

Let's do this one. Oh, it's over the limit. Who'd have thought? Three in a row. Quicks over. What's going on with this one? Take two. What's going on with this one?

Three. What's going on with this one? Okay. I thought you were going to make me get the number four. A general purpose card. A JP card? General purpose. We have a general purpose card?

Like for, if I'm short on something. Credit card. What do you think a credit card is to you? A stop gap? General purpose, stopgap. You've already jumped the gap. You're over the limit by $13.36 to $72. General use?

General purpose. You're over the limit. What purpose is general? Groceries and bills. DoorDash and PetSense. We got pets. Got a lot of them. It's not groceries and bills.

It's a responsibility. Sure. Ain't groceries and bills. DoorDash. Those were the two purchases on there. There were not any utility payments. There were not any groceries. What the fuck are you talking about?

General purpose is door dashing. You and your wife are not going to make it. I don't even know if you're going to be able to make it home. Like, I'm surprised you guys made it up the stairs into the studio. Like, what the fuck is happening, man? This is crazy. None of this makes sense. Nothing you're saying is making sense.

$2,036.72. The minimum monthly payment. You purchased $212. $6.99 minimum monthly payment. 13 years to pay this off. So to 28.99% interest rate. So I assume you open this. after the service or in the service,

how long has this been open? Only like a year. And it's over, Matt's out. You do not make insignificant money. Why are you spending so much? Yes. Yes? What the fuck are you talking about?

Okay. I think he's shutting down, ladies and gentlemen. Okay. I... I don't know what to do. What have you been spending money on in the last year? Let's try that one. Stuff for the house.

Which is DoorDash. Which is like furniture and utensils and stuff for the dogs. If you want to classify it that way. Which is why I saw DoorDash McDonald's and bullshit purchases. Right? Right. Yeah. Oh my gosh. Are you here? Guy, you're... Maybe you guys are perfect for each other.

I ain't a joke, man. Poor shit. Food is $1,089. That's furniture? Going out to eat is furniture? Take two. Going out to eat is furniture? I mean... Right. Okay. Don't even try. I don't want to work you too hard. $7881 in miscellaneous bullshit.

You forgot he's on a podcast. Yeah, it's stuff for the house. Miscellaneous bullshit. Oh, I am so close to giving up. If we weren't this far in, I would honestly be walking away right now and not wasted my time with this bull. But we're almost done.

You told me your dad's a fan of the show? Yeah. And this is how you're going to be seen. I hope you enjoy it. Hopefully, congratulations. What is this personal loan for, dude? For the wedding. Oh, for fuck sake, what did you guys do?

I mean, we had a small wedding. How much? I mean, I put in like four or five, so it came close to 12. And that includes, like, the travel there. But you don't have that. The travel there? The travel where? To Florida.

Why? Because it's a special spot. We all have that dream trip. We've been wishing we could go on. But too often, life or usually price gets in the way. That's why Priceline is here to help you turn your dream trip into reality. With up to 60% off hotels and up to 50% off flights, you can book everything you need for your next adventure.

Don't just dream about that next trip. Book it with Priceline. Download the Priceline app or visitpriceline.com and book your next trip today. Go to your happy price, Priceline. It's Florida. what's special other than her? Where her friends buried.

Oh, her friends buried in Florida? Did she tell me that earlier? I know she went to Florida. And the school thing happened. Honestly, I had a hard time listening to her. Okay. So let's get married where a friend is buried? She has some ashes scattered in that spot.

Spoiler, they're not there anymore. Okay. I can say that because she's not sitting in front of me. Okay, sure, that's fine. Then you just have to go cheaper and smaller. It didn't take $18,000 to get the Florida. Did you pay for other people to get the Florida? No.

Where in Florida is this? It was over by Melbourne Beach. Metro area? No. It was in a metro area. What? Over by FIT. What city is that in?

That's... Melbourne? Okay. Okay. Why did it cost 17? Because you guys are just getting, you just need to get married to close the deal so she can stay here legally and start her green card. Not that she's here to get a green card. Oh, don't kill me, lady. But, you know, that's, we obviously wanted to speed the process long so that she can get a work permit and all that good stuff. Okay, right? It was, it was closer to like 12, 15 because of the catering and getting all of the... So why did we need to do all that? We did not need to do this. If you need to have a destination wedding and we're doing this to move this quicker, you know, a long quicker, then you need to do this on the cheap.

You didn't have $12,000. You were maxed out beyond maxed out. When was the marriage? Well, we got... When was the marriage? We got married in February, but we had a ceremony in May. If you already... Ask her.

Well, I would, but she's a pussy. Okay. So we took out a person alone at... What percent interest? It was like seven or six because my mom works at that bank. Can't do anything without grammar or mama, huh? Great. What's your minimum monthly payment on this?

Looks like 230.5-1, yeah? Yeah. I pay $2.75. Why? What's your strategy there? It doesn't make any sense. That's not Avalanche. That's not snowball.

I put money onto the checking account. every paycheck and 275 goes to that loan 275 goes to my mom. I, I, okay, whatever. Tower loan, what is this for? This is for the bed frame. Oh my fuck, you guys, you guys, you animals, you money. You did not make it significant money.

You don't need to finance a bed frame. We needed it right then and there because our previous one broke. They got to use one. Get a used bed on Facebook Marketplace. It was for my back. for my sleep apnea. You got the app?

Yeah. Buddy, you still make a significant amount of money. If you weren't blowing all your money on all this bullshit, you could have just bought this. I encourage buying this if it's for your health. And, you know, who even fucking knows? You could have found something else probably. But either way, let's just say

this was the only thing you could have ever possibly gotten. You could have afforded it on your income. The night... But instead you decided to get a house without a fully funded emergency funding. You decided to spend all the money on bullshit. Listen. When we went there, I just was looking, and they gave me this, which was zero percent for two years. What, the one place you went? Great. Smart.

Hey, guess what? Your miscellaneous bullshit and your fast food spending a loan this month basically pays for this. In one month. So, fuck off. Off. This is risk. This is risk over your head. This is a minimum fee payment. And you are struggling to make your minimums paid. You have said so yourself. All my loan stuff is all above minimum payments. But then you max out your... And then your fucking credit card balances are above balance, limits! So what are you talking about?

What are you fucking talking about? I don't know what you're saying about anything. You don't know what you're saying about anything. Friks sake, man. $1,993. and $53 The term for it's like three years But if you pay it off in two

It's zero percent interest What do you have to pay To pay it off in two? Like $80 so I make $100 payments That doesn't make any sense It's 0% Why would you pay $100 if it takes If it's $80 to pay it off interest free

What is your debt payout strategy This is not avalanches and not snowball This makes no sense Little by little That's your debt strategy it's the fucking, what are you, Colt Little by Little Strategy? Here, guys, we've invented a third debt payoff strategy, the Colt Little by Little,

also known as keeping our credit cards above their max. It's the anti-Snowball avalanche strategy. If you want to do that one, you too can fuck your life. Go to fucking Coltadvanced Strategies.com. Coltadvanced Strategies.com. All the bills get paid on time. That's all that matters. And all the hairs recede.

out of piss. Okay, bye, I guess. Okay, see ya. Nice to film with you. Well, that thing's hanging deep, huh? Okay. Okay. I'll see you in the next financial audit.

All right, did you have a good pee? Yeah. Okay. Kind of brown, but it's good. What the fuck? Freak. You have a $300 debt? For an Xbox to your dad, you laugh about that?

It's a travel Xbox. For work. What does that mean, Colt? You know, when you're gone for a while, there's nothing to do, you know. You're a work at home. I travel for work sometimes. How often, how long at a time? I mean, like, I just got back from one where I was gone for like three weeks.

Okay, or travel Xbox? But you have debt to your daddy for it. So grandma, mom, daddy. Yep. You are not an adult. Yeah, drink it up, so you have to piss again. I don't know. You're a literal child.

And you want her to be a stay-at-home wife? You have no adult existence. Why do you have debt to your dad for an Xbox? I don't give a fuck that it's a travel Xbox. That doesn't mean debt to dad. It's for work. Don't get going debt for your dad. So tell me why you're in debt to your dad.

Because we bought an Xbox for work. No, I know, but why did you have to borrow it from your dad, Colt? Because we needed something to do at the time. Colt. Oh, I'm going to literally fucking, I'm shitting and coming. This is... I'm running dry on water bottles. Buddy, I'm asking, can you please ask this?

Why did you not have enough money and why did you have to ask Dad for the money? Because I was going to get paid later that week and we were sitting around for a few days waiting. Why haven't you paid it off then? I'm in progress of that. What's your progress? I see 300 owed. I'm making a hundred. And Xbox is what, 350? I'm sending $300 or $100 every month.

You have to make $100 payment for a fucking Xbox to your dad when you make $7,000 a month. Okay, why do I see debt to mom $5,250? That was for the immigration stuff. Is she you using your mom in it? Well, the damn USIS takes only money orders. They don't take payments. So you have to have it all in front.

Payment, that's a payment? You mean payment plans? Is that what you're saying? Yeah. You shouldn't have to. You make money! And now your mom had to pay that? What a joke!

They don't respect you, do they? I hope so. Why? Well, how would they respect you? I'm sorry. This is mean, but how would they? Unpaid. labor.

What the fuck are you talking? I swear brain cells are decreasing by the time we get to the end of this. How much you owe her a month? The 275. What 275? Did we talk about 275? Yeah. The 275 that goes to my mom, the 275 that goes to the personal loan.

So it covers the same? Yes. So it gets split between the personal loan and this? 275 to one of the loans and then 275 to her. So every paycheck, there's $275 that goes to that account, and then she takes $275 at the later end of the month. Hold on. No, no, I'm confused.

Where's the other one going? I want to make sure I have it. Because I have a personal loan that was $230.51 a month. I was making, so I take out of my paycheck $275. That goes to that Alta one. To what? So the Alta one account. Alta?

Alta one. What account? The personal loan. Yeah. Well, I have a debit card on there that doesn't exist anymore. So I put that, 275. Because she took out the personal loan for the wedding. Yes, okay.

So 275 goes to her, 275 goes to the loan. Wait, did she take out the personal loan for the wedding? She co-signed it. That's why it's so low. Okay, so 275 goes to that. And then 275 it goes to this. Yes. Okay, so 500 total.

Yes. Okay, why did you say it like the 275? Okay, whatever. Grandma is the additional $1,000. What's that for? What a joke. You just use your family, man. Some repairs.

Great. What's your minimum monthly? I'm working on paying off the credit card and then I'll start paying her or pay off someone else. Oh, you disgust me as a man, as a human, as a grandson, as a son. Ew. I hope they cut you off, man. I hope they cut you. They're telling me that there's fucking times where you need to borrow money to pay your mortgage

and you go to grandma. I'm disgusted. I'm disgusted. I am vitaminally disgusted. And actually kind of raging right now because that's fucking, that's nasty. You get $4,000 a month inflation adjusted for the rest of your fucking life. And yet you got a mortgage without an emergency fund. Ficked your life.

Fuck your family. Now you borrow it for them just to even pay the mortgage. What a fucking joke. Okay, what is this? I see a Navy federal personal loan for $16,468.29. This is a car? What's the car? Ford Edge 2017. What do you think it's worth?

You owe $16,468.28.29. It's over $100,000. So I'm just going to. Miles, he's saying. Yeah. Because he only speaks in half sentences. I'm just going to drive it to the ground. Cool.

What's it worth? Like probably like four. No, we're seeing about 8,000 probably. Oh. But even still, you're dramatically underwater by half. Minimately payment, $408.51. What's the interest? It's at a 10.09% interest rate.

For a car? Man, I just don't know. You f***ed yourself so much. You don't even try. You don't even commute to work. This was when I got home from Korea. I had to buy a car. I originally had

Sand Tender because I was a dumb kid who didn't know how to... You had what? Sand Tender. Is that a car? It's a loan. It's like... Okay. It's like 25%.

Yeah, yeah, yeah. Yeah, I know what you're talking about. So I refinanced it to that because I didn't know how to... Great. So you were a double moron when you first started. Okay. Navy Federal were really taking care of vets

giving a 10% loan out. Okay. So I'm confused. on why you needed an expensive car just because you got home in the military, though. It wasn't an expensive car. It was. Yes, it was. You still owe $16,000 on it.

What the fuck you're talking about? I had to drive it from Texas to Georgia. How many times? Multiple times. How many times? Like four. Okay. I'm sure you could have got a $10,000 car that was approved by a $10,000 car that was approved by a couple

mechanics. Okay? And you could have been fine. I don't know, man. This is just so beyond stupid. Navy Federal Credit Union. Here's your mortgage. You owe $302,000, $572

and $9 at a 6.375% interest rate. Not horrible. And our minimum fee payment is $2,195. And $71. sense. Not loving your AT&T or T Mobile Bill. Yeah, we've been hearing that a lot. Good news. Bring your AT&T or T Mobile Bill to Verizon and we'll give you a better deal. So get away from that unfortunate phone bill and get to Verizon. Run, ride, canoe. Whatever it takes, we'll be here. Bring your AT&T or T Mobile Bill to a Verizon store today and we'll give you a better deal on the best

network. A better deal. No surprises. That's Verizon. Best Network. Best Network based on Route Metrics, Best Overall Mobile Network, Performing, U.S. second half, 2025. All rights reserved. It must provide a recent consumer mobile bill. My name of the person who gave me the deal. Additional terms, conditions, and restrictions apply. I can't pay it all the time. How often do you have to borrow for it? Be real.

I mean, it's like, don't try to hide this. Once or twice in the past year. So 25% of the time. My, it's the months that, like, it's over a weekend, so it takes longer for it to happen. Huh? Like, the, the H-H transaction takes, longer.

So other things come in and pay on? Yeah. So it's fine. I'm confused. What's your issue? Other bills shoot in before. Why aren't you budget? If you literally just budget, you're fine. Why do you not have enough money in your checking account? Bills.

That's so stupid, buddy. Come on. We saw 2,000 hours of bullshit in this month. I mean, oh, fuck. Oh, no. Checking account any balance, $26. This is Apple Bill. Appleville, Microsoft. Apple bill cloaked, cloaked Netflix, Hulu, Appleville, Appleville. What a joke.

Microsoft Apple Bill, PlayStation, Apple Bill. Pause your fucking phone. It's mostly just subscriptions. Yeah, no shit. And that's what I'm looking at. For, uh, okay, just give me your fucking thumb. Brand new phone. That's what he needs.

Wow, that's an old picture. Oh my gosh. AppleCare Plus, AppleCare Plus, AppleCare Plus, AppleCare Plus, three AppleCare Pluses, Element Weather Radar, Ground News, Malware Bytes, Mobile, Paramount, Parenthount, Plus, quick and simplified budgeting app, which you said sucks, so I would just do dollar-wise. We switched our payment structure so that if an account doesn't connect, it falls back and there's multiple ways to make an account connect.

Other budgeting apps do not have this. We do. We invested the money for it, dollar-wise.com. Resign me recipes. You're paying subscription for recipes? Paramount Plus, out of all subscription services, is the worst. This is so moron. It's such a dumb use of money, man.

$11 in this account. the supply, tackle bell. Bullsh, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit. Oh, good. Two over drafts this year so far on the previous checking account. Who would have thought? I guess I shouldn't do that to a veteran. I'm sorry.

$1,2008. Ending amounts in this, at least, thank goodness. Oh, but we're door dashing. Microsoft Store DoorDash. He buys video games every second of his fucking life. Amazon Sirius XM. Who the fuck has that? McDonald's Amazon D.

I keep trying to cancel serious. What do you mean you keep trying? call fox and hair or email or bullshit this is stupid stupid stupid stupid stupid stupid stupid stupid stupid stupid can you tell you have given up fifty six dollars in this one oh good a dm withdraw forty three dollars who knows what the fuck that went liquor to drink through the conversations with her i bet apple bill apple bill oculus oh my gosh so much gaming kim sonic driving oculus canva apple amazon prime kims raising kins kins chilies door dashing apple bill chick fillet Microsoft ultimate Again, oh, DoorDashion, Wings, Microsoft.

Again, Microsoft, you buy video games every five seconds PlayStation Network on both systems, apparently. Kim's, Denny's, Tractor Supply, Amazon, Amazon, McDonald's, Uberine, Uberine, DoorDashing, Ubering, DoorDashin, Hawaiian Bros, Russia's silver, Amazon, going in, getting some bull-s-door dashing Panda Express, Sonic driving, Apple Bill, Steam games, Apple Bill, DoorDash, Hulu, Taco Bell, El Toro, Tractor Supply, Cloaked Netflix, Apple Bill, Amazon, Apple Bill, Chick-fil-A, Apple Bill, Kims. You have no sympathy for me. Your spending's fucking bullshit. The fact that you have to borrow from your Grammy, you have to borrow from your mind,

you have to borrow from your dad just for an Xbox, fact that you have to borrow from them to get a quarter of your mortgage payments? No, you f*** up. This is dumb. This is stupid. This is moronic. I can hate this. This is, I don't like your existence.

I don't like her existence. This is so stupid. Listen, I'm so sick of this that it just makes me beyond, beyond. I can make a budget. I'm not going to you. You just annoy me. What I'm going to do instead because I feel bad about not making a budget? I'm just going to pay for you to sit down with an expert

because maybe they can communicate in a way that doesn't just fucking piss them off. Because this is, I'm just, I'm done with you guys. I am done with this conversation. I'm sorry. I'm sorry. I just can't. I don't want. to communicate with you anymore. Now we're going to try to bring her in and have another 20 minutes in the post show,

but I do not want to talk about these finances. I do not want to build a budget. I don't want to do any of this bullshit anymore. This is so stupid. So join us for the post show, guys. Join Hammer Elite. It's the best YouTube membership in the history of this platform. The platform has told us that themselves, and that's why it's the second largest on the platform soon to be number one. So make sure you join that link in the description below. Oh my, my, throwing the Hammer Elite to you for extra shows, thousands of hours of extra your content hundreds of hours a week. Hammer financial score. Spending your budget. You ever spend zero out ten debt.

I don't know. I'm just pissed. Hammer financial score. Fuck you. Let's go to the post show. Download the budget and app. Sign up for a dollar-wise central if you want to take advantage of all educational services. Oh, fuck off. Colt is planning on opening a business. You didn't tell me this.

I thought I did. No. We'll have to take out a $50,000 loan. Why didn't you tell me? I told you. But you even told me she probably doesn't know. Inclusive members' content, click the link in the description or pin comment below

and watch thousands of hours of extra and uncensored content. Own it all. Pay off your home, travel for life, drive a Ferrari. In celebration of the world premiere of the Monopoly Big Board Buckslot Machine by Aristocrat Gaming, Yamava Resort and Casino at San Manuel is giving one person a $1.6 million dream package. The biggest prize in Yamaba's history.

Club Serrano members can earn daily instant prizes and secure a spot in the finale May 29th. Don't pass go. and own it all. Only at Yamava, celebrating its 40th anniversary. UN? 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.