Financial Audit - I Exposed His Hidden Affair | Financial Audit

Starting point is 00:00:00 To watch episodes of Financial Audit a week earlier, check us out on YouTube. Give me your phone. My phone? Uh-huh. Why? Give me your phone. Why? Let me see it.

Starting point is 00:00:08 Why were you... Why don't you go ahead and log in since there is an email address associated with only... He's lazy. He has no ambition. He drinks. He smokes. He's a loser. He was a loser without me.

Starting point is 00:00:19 Okay, so she's a bitch. I don't even be around those blackies. F*** them. You said blackies? You should see what she says at home in private. What did she say at home? The fuck does she say at home? I can't say that on camera.

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Starting point is 00:01:02 Hi, I'm Monica. I'm 21 years old. Hi, I'm Scott. I'm 23 years old, and we're from Greenville, Texas. And this is Financial Audit. Welcome down from Greenville from the Dallas, Fort Worth area, lots of money-making opportunities, but not necessarily cheap. What do you do for a living, Monica? I work in insurance for like a... Oh, what are you doing insurance? Because that could be good or bad. Oh, it's great.

Starting point is 00:01:26 It's not sales, so that's good. Which can be good or bad, but yeah. It's good. Sales is kind of weird. But anyways, you're making a weird face. Anyways. I don't know why sales is weird, but yeah, no, no, no. What do you make?

Starting point is 00:01:40 Yeah, what do you make? What do I make? 61K. Good. Dude, 21. What are we doing? It's pretty bowling. It's incredible.

Starting point is 00:01:47 Yeah, that's awesome. Well done. Do you have a degree? I graduated with my associate's degree out of high school, but then. There you go, guys. Look what you can do. 61. That's incredible.

Starting point is 00:01:56 What's hitting your account on a monthly basis? Your net pay. I make 1740 per paycheck and it's two paychecks. Yeah, sure. So, listen, we have this positive thing out of the gate. It's exciting you. You're making insane amount of money. The reality is your on financial audit and the stack in front of me is stupid big.

Starting point is 00:02:17 That's big? You're fucking it immediately. Yes, it's big. You wouldn't know what's big. I mean, if he supported me, then we would be fine. I would he support you. You make $30. He needs to be the man.

Starting point is 00:02:27 $3,500 a month. No. He needs to be a man. Are you not being a man? He doesn't even know what's big. He needs to be the man. He needs to let me quit my job. I'm trying.

Starting point is 00:02:37 Pat. Where'd you go, pal? Oh, okay. So you want to quit your job. Oh, of course. I want to be a stay-at-home mom. Making good money. Oh, do you guys have kids?

Starting point is 00:02:47 No. Oh. But whenever we do have kids, I need to be a stay-home mom. When are you guys having kids? Probably next year. Also, you couldn't even dry your hair for financial audit? It has oil in it. Aren't you showing up for like an event that almost no one that applies gets to experience?

Starting point is 00:03:00 I rush you. We had the, it's really fucking early. Actually, it's, it's, it's 11 a.m. No, you guys require me to hear earlier. We filmed at the same time every day. I am no good before 11 a.m. I also get headaches from computers. No, it's really early.

Starting point is 00:03:18 Okay, so she's a, what do you do for a living to support your? Well, I work for- He doesn't support me. Working towards it. I'm trying. Right now. Just because she got big tits doesn't mean she's worth it, buddy. Just going to tell you.

Starting point is 00:03:31 Wow. I think I'm pretty worth it. I'm making 61 at 21. I hate you two and a half minutes in. I really didn't think I would because you smell pleasant. So I was like, ooh, usually people smell like shit when they come in here, but you smell nice. So I kind of like you. This is what I got to deal with every day.

Starting point is 00:03:47 Rip? Yeah. Get another one. I don't know. You got a jaw line. Thanks. You're 23. You can choose my job.

Starting point is 00:03:52 He asked you about your job. Well, okay. So I work for a tech company. I make $59,000 a year. Basically do, like, tech support. You make less than her. Aren't you supposed to be the man? The man.

Starting point is 00:04:04 Yes. Trying. Well, where's the man? I mean, that's not a bad income. I have a plan. That's not bad. I'm not criticizing that at all. Yes, that is going to be, well, I mean, you could single income there.

Starting point is 00:04:16 It's just you're not going to be living a life of luxury by any means. We cannot single income. On that, you can. It's just not going to be great. You're going to be living in a cheaper apartment, not having, like, the best cars. as you can, but you're just making that sacrifice that comes with it. And you, the likely pampered, spoiled that I'm assuming you are, will likely not allow that lifestyle.

Starting point is 00:04:36 Sorry, I'm being mean to her because she's immediately out of the gate. Okay, I'm going to reset myself. Maybe you'll be pleasant. Oh, she's not pleasant. She's a bitch. Okay. What's your job, though, at this tech company? Work tech support, customer service.

Starting point is 00:04:50 Oh, okay. Yeah, we got some of those. I do hate it. He doesn't even want to move up. so it's like going nowhere. Huh? Wait. I don't want to move up in that company. I want to find something.

Starting point is 00:05:01 Not of customer service? No offense to customer service. I employ some. It's not bad. Well, it's not useless. It's useless. People need customer service or else I wouldn't be paying

Starting point is 00:05:08 a lot of money to employ them. There is a path, but it takes a lot of ass kissing and I don't really want to do that. I mean, you got to understand. I'm just picking up from your attitude and what he's doing with his income and you want him to support you.

Starting point is 00:05:21 You don't respect him, do you? He's trying to go into plumbing. Because he needs to make more That was my plan Plumming could be good But you don't respect him Do you? Do you?

Starting point is 00:05:30 I do Do you do? Okay, because I mean, just with your attitude and he makes less than you I'm just, it just feels like how the fuck would she?

Starting point is 00:05:39 I mean Okay, does he want to get the trade job or is she making you go get the trade job? It was my idea. Now, I feel like there's some better avenues but she really was excited and so

Starting point is 00:05:48 kind of feel pushed into it. And I want him to go to the military. Reserves. What? Oh, why? Reserves, I guess. Yeah. Because he needs the government clearance for a tech job because he has a two-year degree.

Starting point is 00:05:59 That was another part of my plan. He doesn't need. I feel like I need it. Yeah. Sure, it might help, but he doesn't need. I feel like he totally needs it. You think everyone that works in tech has government clearance. No, but it helps you get a better, higher-paying job.

Starting point is 00:06:14 Yeah, it might be good, but signing up for reserves. What if he gets pulled up? We are in a little bit of a war. They have active duty. They have active duty. They're not going to pull somebody who's brand new. I don't know, man. What if it just, you know.

Starting point is 00:06:26 Who knows? Who knows what's ever going to happen in the future? Okay, so she crook. Well, you don't know that. That's the thing. That's the point of it. Do you know that? I just said I don't know.

Starting point is 00:06:37 No one knows. They're not going to pull somebody who is one month in, two months in, even a year in. There's a billion other people. Active duty? Oh, yes, a billion other people on our military. What are you talking about? What are you talking about? There's so many more people.

Starting point is 00:06:50 I'm just there to get a nice, easy ride. You don't know what's going to happen in the future. There's a reason we have reserved. We need to buy a house. Oh my gosh, okay. I don't know what that has to do with what I'm just talking about. Like, yes, you're signing up for the reserves. Statistical likelihood, not much going to happen, but it's there for a reason.

Starting point is 00:07:05 Something could. I know. And we are in a war. We're in an unpredictable world. Bombs be flying. I'm just saying don't expect nothing to happen. But we get good benefits. Yes, I'm not saying not.

Starting point is 00:07:20 But I feel like you're kind of pushing him into that. And then what if he actually faces the consequences? It was his idea. It was his idea. I feel like sometimes. Actually, not even sometimes. She, like, never listens to me. And I'm kind of tired of it.

Starting point is 00:07:30 Well, I'm kind of feeling that of this conversation that neither of you listen. But, okay, she's never listening to you, but it sounds like you're doing what you want to do. If you wanted to get in the trades and you wanted to do the reserve military, she said it's your idea. Sure.

Starting point is 00:07:42 So it sounds like you're being listened to you. Now, it is my idea, but I just think there are better routes or... No, what's a better route? It's not necessarily something that I want to do. She said try them. Sounds like she listened. Right, but you got to understand it's... Tell me.

Starting point is 00:07:56 She's very eager. I want it now in the moment. And so I'm feeling pressured to get into that. Anything now in the moment besides drying hair? Uh-huh. So what do you want to do? What's this alternative path? I don't know.

Starting point is 00:08:13 I really don't know yet. He has no idea. Why? You just said there's all these eternal... But you can't tell me one? So shut the fuck up. Go to a trade school then. You can work in customer service.

Starting point is 00:08:22 It's not bad. You don't make bad money. But as a dual-income household, I mean, you guys are already making more than most people do with the height of their income. as a combined household income. So you guys are killing it. But, I mean, obviously you f-it up.

Starting point is 00:08:32 And you're not trad-wifeing until this is done. No, I know. That's why I want to pay it off. But you guys already make more than the median household income in the United States by far. Oh, we could totally make more. Yeah, sure. But it doesn't matter. You already are making the more.

Starting point is 00:08:46 We go on like 10 trips a year. Her idea, by the way. Don't do that. We're young. I want to travel, and he's not. You're young. You want a travel or do you want a trad wife? Because, like, you're kind of wanting everything.

Starting point is 00:08:57 He doesn't make enough where I could stay at home right now. You guys do make enough. You make like 120. If I stopped working, he could not afford to take care of me. Not your current lifestyle. Correct, but you could afford to do a lifestyle. No. It wouldn't be the greatest lifestyle.

Starting point is 00:09:12 It's not even one I'm advocating for, but I'm saying you could. Technically. I want to quit my job by next April. We already, well, I didn't know by next April. Because that's what we're getting married. And then we have to go on the honeymoon right after. Are you not married yet? No.

Starting point is 00:09:24 Oh, buddy, you still have a chance. Get the big boobs. They're not everything. You'll find many. He was a loser without me. I like them. Probably, but. He was.

Starting point is 00:09:35 Yeah. So he needs me. Yeah. Okay. How is he a loser? He was smoking weed. Like, he was a pothead. He was vaping.

Starting point is 00:09:43 He didn't have a job. He was living with his brother, and his brother was pushing him into unemployment. Pushing him into unemployment. Okay. Holdless he? The brother? Him. He's 23 now.

Starting point is 00:09:53 Holesy? It was like 19? Okay. That's what I'm saying. 21, but I was already a manager at Walmart. Like at- Right at 18. You're definitely...

Starting point is 00:10:02 No, but right at 18. Even though you're a bitch that no one wants to be around, you're definitely someone that accelerates in life, and like I can respect that. If it was 19, like, I'm not going crazy. That's what I'm saying. I was freshly 18 when we started dating. What is women with this freshly 18 terminology every time?

Starting point is 00:10:17 Why is it... I was freshly 18. But why do you have to put freshly in front of it? Women are obsessed with this, this word with freshly 18. Congratulations. You turned 18 like every other human. human being in history. Why, it's not all of a sudden a fresh and a unique thing that you and only you experienced. I'm just saying, why are you infantilizing turning 18? Congratulations, you go serve up

Starting point is 00:10:35 with the military. You can get a job. You can do a lot of things. You can vote for the future of this country and have the consequences behind that. Which is a good thing I can vote. Huh? I should be able to vote. I'm great. Yeah. My beliefs are the best. Okay. I didn't advocate for taking away your right to vote. Never said you did. I'm just saying me voting is good. Yeah, but why do this infantilization around 18. It's such a weird freak behavior. You were an adult like everyone else. Get with it. Who cares? Why do you have to set it up with this prerequis that are being fresh? You're not flesh, dude. Yes, I was. I was freshly 18 and he was a loser. That's what I'm saying. Yeah, he may have been a loser. Doesn't mean that it's like you don't have to infantilize yourself, man.

Starting point is 00:11:19 When did you guys get together? You were 19? No. He was 20, almost 21. I was 20. Not even close to 21. Yes, because we got together in July and his birthday's in November. If you got together when you were freshly 18, then he'd be 20. No, but then he turned 21. And you were so fresh. In November.

Starting point is 00:11:38 We got together in July, and he turned 21 in November. It's like five months. Okay, well, why the fuck does that matter? That's such an insignificant thing. I'm just saying. I know people like you freak out about months and one-year age gap, but like, who gives shit? Okay.

Starting point is 00:11:52 So... Yeah, maybe he was a loser. That's fine. Listen, I mean, it's not, and I would advocate for you to get better. Is she the one that fixed you? She helped. Okay, because she seems to be very strict. He kind of strict is whipping around the house. I mean, you got your shit together. I mean, again, I can appreciate that. She has a very articulate and she's very specific. She knows what she wants. What?

Starting point is 00:12:14 What do I want? Well, I didn't want him to smoke weed. Okay, reasonable request. Vaping. He quit that. Yeah, that's bad for him. Help that our mom. always like, like overpowering. So like if I have anything that we're fighting against. Wait, what the fuck is her mom?

Starting point is 00:12:29 You don't understand. Well, we can get into it. But I don't even talk about anything with my mom. Her mom always backs her up. No matter if I'm in the right or if I'm genuinely making the most sense. She actually does take your side on some things. Because she told me I have to stop doing trips and you were advocating for that. But we're still going on trips.

Starting point is 00:12:46 I don't care about your mom? How many trips have we been on this year? Six. What the fubbly? I mean, I've been on my. We just came back. It's May. Yeah.

Starting point is 00:12:56 What are you guys doing? He's not going on anything. Okay. I understand. Young, dumb, and this is the... Yeah, a lot of money. But you guys are just blowing it, man. You don't have...

Starting point is 00:13:09 You have no idea. The amount of money you guys are making now at your age with the compound growth and the time of the market that you could have, multi, multi, multi, multi, multi, multi, millionaires by the time you retire. You're just throwing it away for temporary pleasure. But I don't want to work.

Starting point is 00:13:20 That's the whole point. Well, that's fine. Then why are you going on vacations? building up the debt that is preventing you guys from taking off work. She's also spending like 5K on Italy later this year in October. Because you don't get to have everything. You can't have that. He doesn't make enough though.

Starting point is 00:13:35 So why would I slow down? Why would I slow down? Because you're making him have to make even more and more and more. The more debt you accumulate, the more he's going to have to make to get you out of the debt in order for you to be a stay at home. But I would stop if he actually tried to do something with his career. He doesn't even know what he wants to do. And that's what I'm trying to do.

Starting point is 00:13:52 I know he doesn't know what to do. You've told him what to do. That was his idea. Kind of. Well, what do you say? Then you can't say he doesn't know what to do. I briefly brought it up.

Starting point is 00:14:00 Yeah, but then she took it and went like a thousand. It's going to be five years before he actually becomes a plan. That doesn't make any sense. It does think about five years. Okay, but you'll be making somebody along the way through apprenticeships. Yeah,

Starting point is 00:14:11 he's going to start at like 18 an hour for the first year. So it's like, okay, you might have to work a little bit at 23 or one. Who cares? Like, you'll work a couple years. You'll, you'll, So you'll be a fred whore at like 24. If he actually does it.

Starting point is 00:14:28 I feel so pressured to give her that lifestyle. Do you even want to give her that lifestyle? I mean, I do. It's just hard. Why do you say that? Why? Because he doesn't do anything. I feel like we are young, so we have the time to get to that lifestyle.

Starting point is 00:14:42 It doesn't have to be right now. Okay, you don't necessarily need that lifestyle. But if you guys want to have the lifestyle, you can. But you kind of afford it. Kind of. Okay. You guys are just making it so hard because you, your fucking up life so early.

Starting point is 00:14:54 I don't really understand the point. You guys haven't unlocked the level of income that most households never get to in this country. Really? I feel like we're not making a lot at all. Yeah, I feel like we don't make enough. You make like $120,000 a year. Sure, but.

Starting point is 00:15:07 Yeah, but then. Net. You see the stack of paper? No, but net. Net we don't make that much. No shit. And net the $80,000 a year median household in the country doesn't net 80,000.

Starting point is 00:15:19 I'm just saying it's not enough. So what the point was that? Yes, it is enough. If you can't make it off 120,000 hours a year, you guys aren't going to make it. Here's the thing. My mom's paying for the wedding, right?

Starting point is 00:15:29 Oh, she's back. Okay. Welcome mother to the conversation. She's paying for the 30K wedding. But then... Okay, you're spoiled. Yes, we get it. No, but then we have to go on a honeymoon

Starting point is 00:15:37 that's probably... Don't have to. Why are you saying you have to? Why? Okay, what the fuck is wrong with you? Because he needs to pay for it. Her mom is wanting me to pay her back. Then don't do a 30,000-hour wedding.

Starting point is 00:15:50 We already booked everything. It's all. already booked. I'm shouldn't cost some things now. No. Everything is in a package. Why'd you do that? It's easier.

Starting point is 00:16:01 I said it's like a two-be-one. Is your family contributing? No. No. Why? I don't think they want to. They might not want people. I've asked.

Starting point is 00:16:10 Going into $30,000 a debt immediately out of the gate of a marriage to a family member is pretty stupid. And whenever I say no, it's, I just, I don't have a say. Okay. It's her and her mom. Always. Are you distancing him from her family? Are you grooming this man? No.

Starting point is 00:16:28 I love his family. Why don't they want to participate? Love. Loves my family. Well, what does that mean? I don't know. I feel like it's all an act just to, you know, be the nice lady. No, I love his family. I do.

Starting point is 00:16:40 You love anything? I love a lot of things. I would love my lifestyle that I want that I'm trying to build. That's all it is. You just want to be a spoiled whore. I provide everything for myself right now. Dump him. Did it rich person like in this room?

Starting point is 00:16:53 They'll give you that lifestyle. They make as much as you guys do as a meeting household. Get a better guy. You married a f-twink. His family won't even provide for the wedding. Brandon's over there. He likes big boobos. Yeah, but he's a man-hor.

Starting point is 00:17:07 True. She knows the lore. That's true. That is true. Well done. He likes to fuck and then dump. Okay, okay. So, I...

Starting point is 00:17:19 You guys have to do this. Why do we have to do a $25,000? You said have to Honeymoon? Honeymoon? Yeah, we need to go all out. Go to Greece. We only have one.

Starting point is 00:17:29 Need to? We don't need to. Why is the need? I don't understand the need. We're young. We need to travel. Don't need. You went on five trips this year so far.

Starting point is 00:17:36 She said she wants something to remember. Which one? How many trips? Like eight. Yeah, eight trips. What have you done this year so far? I mean, we just got back from the casino. Ben, Denver.

Starting point is 00:17:47 Durant, Chalkta. Oh, it was like a day draft. Okay, it's a little. It was like a week. We spent a week there. Oh! It was right before this. We just flew in from Denver.

Starting point is 00:17:57 Two cruises. Oh, yeah. We went to Denver for the weekend. What did you do at a week at the casino? Like the one in Oklahoma, that thing? Yeah. What the what did you do for a week there? There's like the pools and bowling and arcade.

Starting point is 00:18:10 There's pools bowling and arcade where you live? Not really. And Dallas? Yeah, I think so. Like an hour away from everything. It's the same distance. Yeah. So why, you know, why is it going to a casino?

Starting point is 00:18:21 It's not necessarily great for money. We brought a set amount. It wasn't that. How much? I brought $150 and he did too. For a week at the casino, no way. Go fuck yourself. I did take out more money.

Starting point is 00:18:35 There you go. That's impossible, you f***ing. Okay. Where else did you go this year? Two cruises. What the fuck? Actually, no, because if you count since like last September, we went on a cruise. And I know you avoid carnival like the fuck.

Starting point is 00:18:50 Oh, of course. We don't even be around those blackies. F*** them. What? What the f f- I shouldn't laugh with that. That is crazy. Why would you say that? Why?

Starting point is 00:19:00 Yeah, why would you say- That might have been the realest thing you've ever said. Carnival- gross. No, why would you actually say that aloud? That's crazy. You're laughing about it. That's insane. It's an insane thing to say.

Starting point is 00:19:10 Have you ever seen a carnival cruise? Oh, what? That doesn't sound like a joke. Yeah, that's not a joke. I say jokes. That's not a joke. Have I ever said that? I say crazy jokes.

Starting point is 00:19:18 I've never said that. Yeah, please. Yes, please. I mean, I would also not go on Carnival Cruise because I'm just like, um, I avoid trashy behavior, yes, but out black people. But that's what you were insinuating. No, trashy people actually.

Starting point is 00:19:33 That's what you were assinuating. I actually didn't really insinuated that, yes, you likely do not want to. She talked about, she was saying some things before we started filming it too. They were a little racist. That's kind of why I knew it. I was kind of impressed. Not impressed. You started it.

Starting point is 00:19:49 You started it. You did. You're calling us all white and then it's good to be white. I didn't say that. Yes, you did. What's going on? Guys, were we recording that? Tyler.

Starting point is 00:19:58 Because I didn't say that. Hey. Oh, what's up? I love how they pulled him. You guys pulled him. It's great. At least you called him a him. Not an it, sir.

Starting point is 00:20:14 It's concerning. I'll be honest. They went on two cruises this year. I made a joke because most people want to avoid carnival, obviously, for obvious. It's even you, Tyler. Yeah, for sure. I said, obviously, avoid carnival. And she was like, ha, yeah, I don't want to be around those blackies.

Starting point is 00:20:28 She did yell it pretty loud. You said blackies? I did. What the fuck? What's your perspective, lady? What the f***? Blackies? That's how you refer to us, blackies?

Starting point is 00:20:41 Yeah. You should see what she says at home in private. What did she say at home? I can't say that on camera. Actually, we're giving you permission. Oh, he could say it. I can't. Oh.

Starting point is 00:20:51 What the f*** you call? It's not, no, no, that. Talking to him. Why did you say that? Why do you both say that? Well, I mean, she brought it up. So you say it too? I mean, every now and I'm in.

Starting point is 00:21:02 Do you guys say the ends at home? Who doesn't? In private? You know, there's some footprints that you just can't erase. When he's gaming. Yeah, when I'm gaming? And when do you say it? When he asks me, his friends will come up to me.

Starting point is 00:21:15 Oh, she'll just let it rip anytime. Don't even believe her. No, I will not. It's whenever your friends told. Oh, don't sit here and try to act like you're all innocent all of a sudden. You just call us Blackies, nigga. What the f? I'm going to be real with you.

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Starting point is 00:23:40 Download it now, start the free trial, DollarWise.com, link in the description below. What the f-f- She's scared right now? I'm not scared. Tyler's cool. Well, thank you. I appreciate that, but what the-f- What the-the-f-f- What-the- What-the- What- Are you saying he's one of the good ones?

Starting point is 00:23:52 Yeah. one of, like, very few. Same with Robert. Roberts. What the f***? You Matt Roberts? No, I'm just saying he's cool. How does you know the C-O-O?

Starting point is 00:24:08 Why do you call black people blackies? It was just a joke. It just rolls off the tongue. Hold on, hold on, no, pause, pause, pause. You're okay. Rolls off the tongue? I mean, what would you, what would you prefer? Black people, people?

Starting point is 00:24:20 Person? That's two syllables. It's like harder to say. Like white people are fucking annoying, too. Blackies. People? You can't say people. It's a longer word. Nicky you can't say people. I'm a person. What am I? You are a person. You're going to call me a blackie? I mean, she did it for me. Call me a blackie. Call me a blackie. I got permission? Call me a blackie. What's going to happen? I don't know. Find out. All right, good. I'm glad you didn't do it. Why the fuck he's calling people

Starting point is 00:24:45 blackies, bro? It's a joke. I don't give a fuck. Oh, you guys are saying the N-word at your house. That's not a joke. I don't give a fuck. You act like you don't. I don't. I've never said the N-Rone. Oh, come on. I've never. I've never. I've never. I've never. I've You always told time they're over to say it for you. I love jokes, but I call him over to say it for it. Yeah, when you say it as a white man, it's not really a joke. Oh my gosh. And I'm not very SJW fucking woke or anything.

Starting point is 00:25:08 We made the word. Why can't we say it? That's wild. That's wild. That's out of pocket. Okay, they were being racist before we started filming. What does that? I came in and I looked at him and said, you guys are like the whitest people that have ever been in the studio.

Starting point is 00:25:22 And then he said, that's better than being black. I mean, can you blame me? And I said, I guess that's kind of true because my life was easier. But then that's not why they said that, yeah, isn't it easier to be white? That's true. Okay.

Starting point is 00:25:36 I mean, there's some DEI stuff that was helping you guys for a few years, but we kind of rolled that back. Are you on my side or this side? I'm on the judge by talent side. Okay, judge by talent. Okay, I appreciate it. Also, Carnival's not even bad anymore.

Starting point is 00:25:51 They don't play black people music anymore. It's not the music. That's not what I'm seen online. It's the people. No, it's the people. Then what? They like steal stuff. Like, you see, they literally changed their policy because they were stealing stuff and they were causing problem.

Starting point is 00:26:05 What else would you say? Yeah, the group of people. There we go. On carnival. You say it. Group of people. There you go. Thank you.

Starting point is 00:26:11 Thank you. Thank you. Good job. Everyone on carnival. I'll be honest. You guys, okay. You guys are in the deep suburbs of Dallas in the way area. You guys are racist.

Starting point is 00:26:22 Just own it and it's, well, it's not fine, but just own it. then we'll accept it and move on. I do make fun of everyone, though. Yeah. I do too, but I don't call people the N-word. You're blacking! I don't call it. What the fuck is lacking?

Starting point is 00:26:36 Why you say it at your house? It's not calling them, that. Not at all. Guys, I love jokes. Saying the edward around the house is not a joke. You're saying you've never let it rip once. No. Come on.

Starting point is 00:26:46 I don't believe you. I've been friends with Robert since, like, elementary school. He backs me up. He knows I've never said it. Have I dreamed it? Of course, who doesn't? But I've never said it. No, it doesn't make it okay to actually call the people.

Starting point is 00:27:00 Like, you wouldn't call a retard, a retard. You don't do. No, you don't do that. But you say it. But you can say the word, but you don't call the- Not a mentally challenged person. Yes, that's what- Like Brandon, yes.

Starting point is 00:27:14 You wouldn't say that to someone. Like, you wouldn't say an N-word. No, no, you wouldn't say the N-word to Tyler. There's people who would. You would call me a Blackie. You might as well. Yeah, but I would. You called me a blackie.

Starting point is 00:27:26 And I would call white people, white people, like Cracker. What the, pause, pause, pause, pause. White people. White people. White people. You didn't say whitey. I would say white people. I would say whatever.

Starting point is 00:27:37 I would call me a blackie for. Whitey, I don't care. I don't care. I'm on your ass. What? What did I do? What? You need help.

Starting point is 00:27:47 You need help. Don't say no blackies before you get your ass beat. Somebody go beat your ass. I'm so serious. She's the most like 19-20s conservative woman. I don't give a fucking go to the diner then. She can't be fixed. She can't be fixed.

Starting point is 00:27:59 She's gone. She could. Don't leave Dallas. She's going to make racist little kids. I mean, they're a cute couple, but they're just very racist. Generational. I'm going to put my hands on this dude. What do you say?

Starting point is 00:28:11 He said generational. I mean, guys, if you're racist, just embrace it. I make fun of everyone. You make fun of everyone. Do you guys like black people? As a collection. Sure. Some of them.

Starting point is 00:28:24 I'm being on, like, dude, the stereotypes. are there for a reason, just like how white people have stereotypes. Yes, continue. I'm not going to go list them, but... I'm not going to go name any, but you know. I think you should name any. I think he knows, too. No, name some. No, no, name so.

Starting point is 00:28:38 We just want to see how informed you are. I'm pretty informed. No, I'm not going to do that online. Smaller shovel, smaller hole. So do you like black people? Yes. How did you... That wasn't a great answer.

Starting point is 00:28:55 I don't like the way she said that. Come on, you wouldn't. If, okay, if your school that you were sending your kids to were even 30% black, you would not be sending out there. Oh, hell no. Oh, yeah, your kid's good. I want a homeschool. So then they're not in public school. Why?

Starting point is 00:29:12 Why? Because of how the world is going. How's the world going? Have you heard of, like, the litter boxes in schools? That's the second time this week. Is this like a news story going around? It's been a thing. It's been a thing.

Starting point is 00:29:27 It was all made up. That's the admission from Joe Rogan. Years ago, yeah. No, no, no, don't get me wrong. Yes, there was some. This episode is brought to you by L'Oreal Group. Beauty is a powerful force that moves us. That's why L'Oreal Group has built a business that is inclusive at its heart

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Starting point is 00:30:07 What else is going on? What else is going on? Or how the teacher sometimes will like molest the kids? That happens in church too. Are you sending them to church? No. You're going to go to church. Not religious?

Starting point is 00:30:20 No. I just have to values. What's your values? Clearly they don't like blah. I never said that. You called them blackies and you call them N words. Okay, but when we say it... Because I don't call people that.

Starting point is 00:30:34 You say black people. He was hesitant. You're good. Don't worry about it. Don't worry about it. You need the validation? I just want your values. You had to give them the validation?

Starting point is 00:30:47 I'm not talking to you. Can I get some validation? I hate you more than I hate her. Come on. That is poison. This? She's all right. She's okay.

Starting point is 00:30:55 She said my name. That's how least cool. What's your values? What's my values? Just more. conservative. Well, conservative doesn't necessarily mean eating black people or anti-school.

Starting point is 00:31:07 There's normal conservatives, normal liberals. No, I just don't want anything to be shoved down my kids' throat. What are your values? You just say you're conservative. I need to hear the values. I mean, all of the kids, like, I do want the border. Not because I'm racist, but because there's a lot of human trafficking that comes through the border and drug trafficking.

Starting point is 00:31:26 I think everyone wants a strong border these days. Every country has a strong border. Everyone likes a strong border these days. Most of us don't have to say not because I'm racist after it. Well, because you were insinuating that I'm racist when I don't give a fuck about any one. When she said Blackies. Blackies was crazy. What other values?

Starting point is 00:31:43 Don't shake your head. Like, that's not crazy. You guys say anything like saying is technically crazy. Exactly. No, to a good amount of people. Blackies? Your example, you already showed your example. I just don't think you understand.

Starting point is 00:31:56 I understand. I hear you. You called me a blackie. say black person or black people you said yeah just like oh you've never said cracker or righty i don't call people cracker i say nigger i call people knicker no one gives a shit about cracker i know but it's like the same thing it doesn't have the same impact but it's the same thing i'm not i'm the furthest from woke you can get but we know it doesn't have the same impact i i get that because of all that but it's the same thing like it's what are your values my values i don't i don't think you

Starting point is 00:32:27 have any i really don't Who do you watch? Who do I watch? What you mean? What content? You guys are picking up things. Watch you? Okay, but I don't go around doing that.

Starting point is 00:32:38 This isn't a racist show. No, you make fun of everyone. Yes, but I don't call them Blackies. I don't understand why it's so bad. Like, if you make fun of everyone, same is bad. It's like the same thing. No, but the only people that are offended by the f***ing today are like the crybaby freaks. so we don't really care about them.

Starting point is 00:32:59 You ever seen Family Guy? Yes. It's like that. They make fun of everyone. And it's funny. It's allowed. They're going to stick on. That's going to be their talking point to get them out of what they did.

Starting point is 00:33:07 Come on. I feel like you guys are just a little nervous of embracing it now. Now that you've realized that you're on camera. I know. There it is. There it is. He just said, I'm on a live show.

Starting point is 00:33:17 It's not live. But it's not. That's why you won't say right now. No, because I don't. Am I? We make jokes off camera all the time. Have I ever called anyone.

Starting point is 00:33:24 That's real racial slurs. I've never called anyone that. You guys are throwing ends in the house. I mean, come on, just that alone. Yeah, I'm only his translator, bro. I can't do that, sorry. Yeah, that's crazy. Can't you one?

Starting point is 00:33:35 We don't say ends. We don't say ends. Well, as someone who's a big joke guy, I go to the comedy mothership, lots of white comedians there. I've never heard them say the N. And they're like the edgy comedians. Yeah, but you don't call someone that word, is what I'm saying.

Starting point is 00:33:53 Trust me. Otherwise, it's just a word. the audience. They wouldn't be calling anyone that. I'm just saying. Okay. If you take away the meaning. You say this on the day

Starting point is 00:34:03 his mother visits the office. Your mom's here. Yeah, and you won't see her. You're going to lynch her. It's crazy. I'm protecting her. I'm protecting her. He's the bad man.

Starting point is 00:34:14 I'm the bad man. She said it. What? How am I at fault here? That's a nude ag I won from my game. I'm not in trouble at all. Okay, thank you, Tyler. Thank you, Tyler.

Starting point is 00:34:30 We love Tyler. Am I wrong? Lindo. I are at real Lindo? I am Lindo on Twitch. Okay, you guys are racist. Just embrace it. It's okay.

Starting point is 00:34:42 Come on like you're not. Come on like you're not. Come on. Be real. I don't think I am actually. What? Actually, I know she is. Yes, thank you.

Starting point is 00:34:52 I don't think I am. We both are. Because I make fun of everybody. She's trying to cope it with jokes. She's trying to cope it with jokes. You guys are racist. You guys live in the deep white suburbia of Dallas. You guys are racist.

Starting point is 00:35:03 It's not that white, though. I mean, it's fine. I'm allowing it. Have you ever been to Dallas? I don't embrace it. Yeah, a few times, but. It's not a lot of white people anymore. Yeah, not in Dallas.

Starting point is 00:35:12 Frisco. I'm sure in Greenville. In Greenville? Well, I don't know. Okay. I mean, I don't know how to get you guys to honestly be able to afford this thing. I really don't. This doesn't make sense.

Starting point is 00:35:25 It doesn't make sense. sense. Don't do this honeymoon. We need to. Please, you don't need to. We do. I don't want to talk in circles around this. I'm all for going on a honeymoon, but 20K is ridiculous. That's ridiculous. Same with the wedding. You can do... I don't want to pay for that shit.

Starting point is 00:35:39 With your guys' income, I don't know if you will be able to try to wife, but you can have a lot of really nice vacations in the rest of your life. You can avoid all the minorities you want. You can go to the widest places. Northern Europe. It's just an absolute peace and quiet. Hmm. No. Okay.

Starting point is 00:35:56 interesting counterpoint. I don't know what to do then. I don't know what to do then, guys. Because if you're not willing to back that, back off that, well, you're trying, I can't get you to trad wife them, stay at home on this income and $20,000 notification. Yeah, because he needs to make more. That's what I try and say.

Starting point is 00:36:13 He needs to be the man. Yeah, but we established even plumbing. It'll take like five years from to get through that full income. So we don't get to do the 20K now. Can we do a 20K trip in the future to a smaller honeymoon now? Because, listen, the thing I can get you... But then we will have kids, and I don't want to take kids on a trip like that. No, get you to the grandparents to watch them.

Starting point is 00:36:32 I don't know if they would do that. They wouldn't? Your parents don't fucking love you guys? They won't love your grandparents? Are you guys not close to them? I think they would watch them. I don't know, a week. And then they get racist later.

Starting point is 00:36:43 It happens every time. I'm almost asexual. Like, if anything... Well, I'm just saying, you're saying that, but I'm like, I'm closer to that. I'm sorry, buddy. Then... I mean, we still... Still do it.

Starting point is 00:36:56 No, I'm just saying, you're saying... Like, maybe once, twice a week. Yeah. Oh, okay. No, but I'm just saying, you're saying I'm getting railed. Okay, I was fucking with you. Calm down. My goodness.

Starting point is 00:37:08 Freak. Because I'm anti- Anti-everything. I'm anti-every thing like that. Anti-what? Okay. Rip? To you.

Starting point is 00:37:17 Do you watch for? No. At all? No. Ever? No. At least to human trafficking. Before?

Starting point is 00:37:24 Maybe, but... I don't think every... No. A lot of it. They're getting human traffic. Yeah, there's probably some bad stuff, but I don't think every... Maybe not every single... But it's really bad. The Zoom ethical...

Starting point is 00:37:35 Ones that just a creator themselves makes. I don't know. I'm not saying you should pay for it either. I mean, it can be damaging and unhealthy for many people, many men, especially. But, like, there's also okay consumption if you can manage it, just like anything, just like you at the casino. So you recommend paying for... No, I just said probably not paying, but... Well, you said, like, because you said for people who create... Give me your phone.

Starting point is 00:37:57 My phone? Uh-huh. Why? Give me your phone. Why? Let me see it. Why? Because I'm gonna snoop?

Starting point is 00:38:03 You can see her phone. No, I want to see your phone. Guy that doesn't watch his... I don't. Okay, give me your phone. No, you can see hers. Hmm. Damn.

Starting point is 00:38:12 Mm-hmm. Why would you... Yeah, why wouldn't you let me look at your phone? Why the fuck are you not giving him... I just, I don't want that... I don't want that right now. What the fuck is wrong with you? I don't want it right now.

Starting point is 00:38:23 Why are you not giving him for the phone? No, not right now. Maybe... Is wrong with you. Yeah, that's... Dude, that's sketch. Maybe later. No, give me your phone.

Starting point is 00:38:32 No, now right now. Why? Because... Give me a good reason. A good reason? Yes. Uh, I mean, I guess there's... There's no good reason.

Starting point is 00:38:40 Because you watch... Oh, come on. I don't. I'm not going to look for anything else. Only... Only... Yeah, and if you don't watch... Then you don't have to be worried.

Starting point is 00:38:49 I mean... Sure. Ah, good. Enough pressure. Enough caving. There you. Now, Android not as familiar. Good.

Starting point is 00:39:06 And just if he watches, doesn't mean he's a bad guy. Just going to let you know, okay? Oh, he would be. That's like almost cheating. She's like not a big fan at all. Okay, why don't you go ahead and log in since there is an email address associated with only?

Starting point is 00:39:21 It's your Hotmail email email. Which email? Never mind. The password auto filled. It didn't do like a face ID. What email? I believe this. Stupid idiot moron at Hotmail.com.

Starting point is 00:39:30 That is my email. Yes. That's why it auto filled. So it's auto filled That's actually crazy It better be before Are you sure that tab's not old? I went to the website

Starting point is 00:39:43 But it auto filled What do you mean auto filled? Your login information Are you logged into an account? I don't even have an account I really don't And if there is one I don't know the password Uh huh

Starting point is 00:39:56 That's why Sure I'm being for real He's being for real Are you in an account I'm clicking around and learn anything We're just, you know, looking so far that Reddit is clean.

Starting point is 00:40:12 I'll give you the clean bill of health on Reddit. Not on Frizzles though. Okay, besides the thing, the rest was relatively clean. I'll look at a search history in the post show, just to be extra safe. Thoughts on the situation? I really didn't. If you actually have a account?

Starting point is 00:40:31 I really don't have. That's going to be a problem. Well, yeah. It's probably old. If it's old, that's okay. But I'm like, if it's an action. But not before you guys were together. I don't think it's going to auto fill three years later.

Starting point is 00:40:43 I mean, that would be pretty... It might. Like, cookies and cash? Man, I don't know. It's a brutal one. It's got to be old. That's crazy. So honestly, to read the situation with what you're doing,

Starting point is 00:40:55 I know you guys are getting married. You've been together for a while. You seem more interested in turning him into the man you want instead of actually finding the man you want. It seems like you're trying to construct him into someone. Why not? I don't know, you'd probably be a weird insult loser without her. So maybe that's why you're afraid of leaving.

Starting point is 00:41:11 I don't think I'd be an insol. Loser? Maybe? Huh? Possibly. I think maybe. No way. You were a loser when you were living with your brother. I mean, being a pothead playing video games all day,

Starting point is 00:41:22 the brother pushing for unemployment. I was never going to do that. I'm just saying, that's not, you didn't have a job. But me playing video games, chilling. I mean, I'm being told his family thinks he's completely, changed and that you blame him, or they blame you for changing him and ruining him and that you've made him give up almost everything he likes to become the man you want. Like that's kind of weird, man.

Starting point is 00:41:48 He needs to be successful in life. Sure, but he's a lot to also enjoy some video games and friends and stuff like that. He doesn't have friends here. They're in Colorado. Okay, so maybe he wants the game with them. Exactly. Is that what it is? He does.

Starting point is 00:42:03 I don't get a lot of that anymore. Like one or two days a week. Aw. That's it? Why do you control him so much? And what is he allowed to do in those one or two days a week? He games all night.

Starting point is 00:42:13 And you've banned his brother and sister-in-law often the wedding as well. What sister-in-law, no. No, I love the sister. Oh, sorry. Brother and sister. Okay, but brother? I do a brother.

Starting point is 00:42:25 And his wife? Not his sister, like the brother's wife, yes. How do you feel about this? She's like owned you. She's changed your life. She's banning. family. It's gotten a lot better. How's it getting better? She's banned

Starting point is 00:42:38 your brother. I mean... He tried to sue him. Yeah, he did. He tried to sue him. I'm not too big of a fan of him anymore. Okay. Well, maybe that one's the best then. About the other stuff, I do wish I had a little more freedom, for sure. I don't think freedom is good.

Starting point is 00:42:55 Not when you're smoking a bunch of weed and bathing. Sure, but allow him to have some fun and also, like, hitting a joint here and there. Like, I don't do it makes me anxious, but I'm not like horribly opposed. Is he baking all day? yeah, that would be bad. I just think weed is horrible. That's why I drink now.

Starting point is 00:43:08 I mean, it smells gross, but... Yeah, so you're okay with him drinking? Yeah. What? Okay, make that make that make sense. Come on. Then I quit weed and now I drink. Like that makes sense.

Starting point is 00:43:18 There's studies that are coming out that, like, smoking weed is so bad for your brain. Yes, but also there is not one actual real scientific study that says any amount of alcohol is good for you. I know, but I'm just saying. Like it's all, it says there's one drop is bad. It's not good. So you put them on alcohol?

Starting point is 00:43:34 One of the most addicted substances on the planet? Well, obviously I want him to drink less. Yeah, she thinks that drink a lot. Oh, she does. Great. Oh, wonderful. How much is being drink? I don't know.

Starting point is 00:43:44 I'll have, if I'm gaming, which is usually like Tuesdays and Fridays, I'll have like seven, eight beers. What the fuck? That's crazy. So you actually might be right then. Yeah, that's a lot. Pretty soon we're going to become this country.

Starting point is 00:43:58 That's an insane amount for a single sitting. What's normal? For a single sitting? A couple beers. So you go out to the bar and you have what? I don't drink, but a couple beers would be normal. Yeah, if you're getting shit-faced, that's insane. I'm not getting shit-faced.

Starting point is 00:44:10 Because it's taller-old. It's a little bit. Eight beers is insane. But it's also his tolerance is so high. It's not getting- Because he drinks so much. Yeah. Well, if I could smoke a little weed, I wouldn't drink as much.

Starting point is 00:44:22 I just think substance for that. Maybe he is a loser. Why can try to construct a dream man? What is he providing that? You seem to really want to construct him into versus you going in. Like, I think, I don't know. I mean, show me your Instagram.

Starting point is 00:44:37 I don't really have followers on that. It's not about that. I don't care. Okay. Because you got tits, but I can't tell if you're fat or not. Okay, you're not fat. You could probably go get... Yeah, there's a bathing suit picture.

Starting point is 00:44:53 She's attractive. You could probably go get most men. Like, I mean... She's brought it up before. The ugly... I have not brought that up. Yes, you have. Whoa, that I could get some of better.

Starting point is 00:45:02 My girlfriend's friends in town. She's been on Bumble. For a week here, she got five. 4,000 likes. Like, you guys have the ultimate W in the dating pool now. Everything's been engineered for women. Yeah, but I've heard that dating is so bad now. It is. But you could seriously, with the selection you have, find the dream man. You really could. Why put up with, you are a loser, a loser. Why try to construct them into something? I don't think I'm a loser. Like, you're genuinely a pretty attractive person. I, you know, I, it doesn't matter if it's not my type. That's whatever. But I can

Starting point is 00:45:32 tell you would do well. Okay. I could tell you would do well. You got f*** tits and you're not fat. And honestly, men want based women today. Like, it just kind of is where it is. So why? I'm confused why you want to do this? Because I love him. Why?

Starting point is 00:45:51 Why? What are you seeing? His personality? What about it? The personality, everything you've complained about, he's lazy. He has no ambition. He drinks. He smokes.

Starting point is 00:45:59 He's a loser. What's the personality you like? I don't know. He's goofy. It's actually a good question. No, you know what it is? I'm being told you wanted to. marriage at 18. You're just rushing

Starting point is 00:46:08 like the first dude to pick you up because you have this dream of this ultimate trad lifetum. That's what you want. And you've rushed into a dude that honestly might be a loser. I do feel like you kind of robbed me of my early years. Okay, that's going to hold resentment over your long life. What the fuck? That's insane. I mean, I do feel like we're going fast.

Starting point is 00:46:27 That's why I worry. I mean, we're going to get married next year and I mean... I'm with him. You broke up with him before because he was partying too much. But you immediately got back with him, so it didn't even matter. I have an exclusive offer just for you, but there's only one week left to purchase. For a one-time payment of $500, you'll get our entire Hammer Elite catalog for life. And a limited edition Hammer for Life box packed with limited edition merch you can't get anywhere

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Starting point is 00:48:06 Why are you fucking trying to change someone in some? instead of finding someone that's better for you. I know you've been with him a while, so you probably have some, like, sunk cost. Well, what do you love about his personality? Hold on. Huh? Hold on.

Starting point is 00:48:17 Huh? Oh, cry? I can comfort you or yell at you once I know what you're crying about. It's just very real what you're talking about. Well, yeah, it's your life, dude. He's a loser. I'm not trying to get people to break up,

Starting point is 00:48:35 but maybe you guys aren't the match. And honestly, it's not that I'm not advocating for you guys to break up, because I don't know you know for that yet. But with everything you're saying you want and everything you're saying he is, you guys are 23 and 21. If there's a time to figure out

Starting point is 00:48:49 that maybe you guys aren't to get ready, if you guys aren't the f***ing match for life, that age is kind of the best age you do. At least you're not doing it. Mid-50s? Yeah. Why don't you rather figure that out now? Especially before $30,000 marriage?

Starting point is 00:49:04 I don't know. I feel like we're both scared to leave each other. And why? I don't know. Okay. If you're going to drop that. You have to give me some insight. Failure.

Starting point is 00:49:13 Failure. Being alone. Being alone. Failure. Okay. Neither are you going to be alone. You're both attractive. And you're both successful relatively. Again, come on. You're both going to be fine. You're both going to do well in the dating market. You won't be single for one. Okay?

Starting point is 00:49:28 Easier for you because you're a woman, which is how it is right now. But you'll be fine too. So that's our... Is that what's preventing someone from making a move? I mean, I never think about it, but... But you are now.

Starting point is 00:49:45 When things get real, I mean... It is real. This is the rest of your life. I've thought about it. Why? Tell me. I mean, it's just, it's scary. I don't know if I could give her what she wants. I don't know if I could be the man she wants. Do I want that really?

Starting point is 00:50:00 Do I want to be married early? I don't think he wants it. And that's okay. He doesn't have to. But you guys shouldn't force each other into the lives that each other demand. Yeah. Like, that's not healthy. That's not healthy.

Starting point is 00:50:18 Yeah. I'm sure you guys enjoy some things together. I'm sure you have some things you do mesh on. I'm sure you enjoy the travel together. I'm sure your guys' families are okay together. But if you are trying to reconstruct each other to fit a perfect mold, it might not be the right match. And that's okay.

Starting point is 00:50:36 You don't have to be. Maybe you guys are great friends. That fuck. But, like, I think that's why we travel. so much because it's it's paradise it's hard to be mad at each other it's hard to how you guys mad at each other not not really often but we also don't talk about anything real so it's like when can you avoid that conflict i mean maybe i don't know because i feel like he's just getting resentful and it's like i've always known what i want and i've always told him what i wanted

Starting point is 00:51:03 but he's not that so why would you make that him and why would you stick around for that i like i'm sorry why would you just allow resent to build and then waste time. I mean, I feel like it'll be a more fulfilling life than what sure, because you don't do anything. And also, you're resentful because you just want to game with the boys and down eight years. I'm not resentful. Dude, you're gaming with the boys down and eight years. You are resentful.

Starting point is 00:51:24 You don't want to do this other job. Like, I've taken away your young years, which I don't even think like I just a thought. It's just a thought. Yeah, but if you're thinking it, you're just not saying it. You have never thought of anything? No, because I want to get married. I want to settle down. I know, but you've never thought about

Starting point is 00:51:40 it might be better. I mean, sometimes, because I'm like, maybe I wouldn't have to push so bad for someone to excel. Yeah, she shouldn't have to be, like, a little push here that is okay, but if she's having to relentlessly push you to try to have any kind of ambition, that's someone who's never going to have ambition. That's what my mom says. How does that make you feel? And your mom's right on that, by the way.

Starting point is 00:52:09 And that's okay. Also, you don't have to have ambition. That's your life. If you don't have a bad job. If you want to settle at that job, that's okay. There's nothing wrong with that. But again, maybe it just means you guys are not a match. And that is okay.

Starting point is 00:52:22 I mean, it's nothing I don't know. Like her mom. I know she feels that way. I think she likes me to some degree, but... Does she? I mean... She likes how much, like he's grown, yes. And she sees the potential.

Starting point is 00:52:36 But all through your push? Probably, yeah, because I've pushed for everything. Okay, yeah, I guess her mom has a lot of opinion. So we might call him the post show. and see what she actually thinks about Mr. Scott over here. Guys, like, I don't know. I guess I'll do the financial audit for the house, but I think we're learning something big here.

Starting point is 00:52:54 I'm not advocating for the breakup. I just think as fast as we're going, come on, you guys have been together for three years. That's not necessarily fast. Oh, but then right after having kids and you don't have the income for it, like... What? No, you guys have the income for it.

Starting point is 00:53:09 No, but she wants to be a tried wife, which is cool. Okay, you guys might not have a perfect income for that. I know. I would want to work from home until you build up to that because I know with plumbing. Well, there you go. Are you work from home now? Hybrid. Okay.

Starting point is 00:53:22 Would they let you? Possibly, yeah. Okay. Okay. Because, yes, you objectively make enough to have like a 10-kid household happily. 10? 10 kids wild. No, it's wild.

Starting point is 00:53:36 I'm not saying that. I'm saying your financial situation. Do people are doing 10-kins on the farmstead, homesteads. making nothing. They were starving. Times are different now. Yes. Your time is you make $120,000

Starting point is 00:53:51 hours a year. They're going to live a good life. That'll be cut in half. How many kids you want? Just two. No, she said she's working remote until you build up. Well, right.

Starting point is 00:54:02 And do three so that you're actually adding to society. Three. Yes, please. Because of the baby decline. People are fucking enough. Yeah. We need kids.

Starting point is 00:54:10 else we've got a lot of more brown people which is really going to upset you I bet he has opinions on H1Bs especially in Dallas and my right guy oh yeah I wish I could get him to talk I'm so curious uh oh she said the magic word

Starting point is 00:54:25 what did you say see she said Frisco Oh yeah Frisco Texas Well H1Bs that's Friscoe Oh yeah I don't go there that often I don't like that place I love Friscoe isn't Frisco super nice Frisco's really nice

Starting point is 00:54:37 It's super nice It's overrun It's where the soccer stadium It's where the Cowboys HQ is. I would live in Frisco. Have you been there recently? No, but also, listen, I, okay, what about it? Come on.

Starting point is 00:54:50 What about it? Look at, look up Fresco test. They're not dangerous. They're not dangerous. So why not go there? Get yourself some Tiki masala. Oh, I love that. I don't really like the food.

Starting point is 00:55:02 Yes, okay, she has, okay, she's gaining. She's winning me back. Well, I got him to try Thai food yesterday because. You've never had. Thai food at 23. Well, he won't eat curry usually. It's pretty good. What?

Starting point is 00:55:15 Typhood's so good. It's so good. Figured that out. Figured that out. Buddy, okay, you're actually racist. He won't eat Indian food. She may have been joking. Dude, you won't go to Frisco.

Starting point is 00:55:26 Like, I get it. We can have complaints about maybe September, like some cultural things. We could have complaints about H-1B visa process. We can have complaints about border processes. We can get that. But, objectively, certain areas in Austin.

Starting point is 00:55:37 But not places like Friscoe. Frisco. Frisco is objectively a nice place, a safe place. It's nice, sure, and it's safe, yes. So why avoid? That makes no sense. I don't avoid it. I'm not a fan of it.

Starting point is 00:55:49 No, he said a void. No, I didn't. Yes, he said avoid it. I think he did. Yes, everyone's saying yes. You said of my bad. I will go there, I'm just not a big fan. He's like OCD about being clean.

Starting point is 00:55:59 Why aren't you a big fan? OCD, probably like about being clean. There's a whole lot of people, a lot of population. It's such a clean area. It's a clean area. It's a walkable clean. It's a clean. Clean?

Starting point is 00:56:10 I'm sad about like Texas not being walkable though. I mean, hold on. She's winning me back here. The architecture is ass. Girl, marry me and my girlfriend. Join us, we will provide you babies and everything you want. And we're rich and not losers. He sucks.

Starting point is 00:56:27 We live in a walkable area. Okay. We got your life. And yes, you know what? I invite some black people over in my house. You'll just have to hide for that. And then it'll be okay. Okay, I do want to head into the money part.

Starting point is 00:56:42 I just honestly, I don't, I really don't know if you guys should actually be together. I'm getting, I'm being candid in that. Like, okay, yeah, we're joking a lot. I'm sure you guys actually really like each other and love each other and have good things and get along and enjoy the travels and, you know, life won't be horrible. But if there's resentment building and if you're having to recon, if you, you do not have the same life paths in what you want in life. Just be very clear in that. And that's fine. and you might have gone along with it,

Starting point is 00:57:09 but I think you guys might be good friends. It might be a okay match. I don't think you guys are maybe the right match. Because if you guys are not together in what you want for life, and you have to endlessly push each other to be someone that you're not, that's not a forever life match.

Starting point is 00:57:26 And that's okay. That is not a bad thing. That's fine. And that doesn't mean you guys don't love each other. It doesn't. But it might mean there's just a better match out there and now is the time to figure that out. Okay?

Starting point is 00:57:37 It's not a bad thing. That's not a bad thing. Doesn't mean you guys hate each other, okay? I just need to be very clear on that. I want you to run to the extreme side and think I'm saying you guys are just horrible for each other. But you guys might not be life partners, and that's okay.

Starting point is 00:57:52 Just reading as I see it. Probably have to talk on the way home. For sure. Long, three hours. It's like five hours. Yeah, we should, we should, we should, we should, Mark, can we go get a GoPro? Yeah, yeah.

Starting point is 00:58:11 Well, why you're talking to Christian? I'm not. Can we record it? Damn, sure. I don't care. That's fine. Yeah, let's do it. First GoPro. You can see what their conversation looks like in the Hammer Elite membership.

Starting point is 00:58:24 Their host filming on the ride home membership will be a part of the Hammer Elite membership. The first one ever. Knowing so much is not good. I know. Should have been a fan of the show. But they always are. What do we think our household financial score is zero to 10,0 being the worst? Where's 10 being the best?

Starting point is 00:58:43 Two. Together is hard. Together. Now we're not married, but we're going off together. Like one. Okay. Ladies and gentlemen, if you want your hammer financial score, get it for free, get it for free.

Starting point is 00:58:55 Just takes a few minutes at Calebhammer.com. You can see where you stand in the world's money, where you're doing great, where you're doing poorly. And if you don't want to be like guests, you'll end up on the show because this is a lot of debt. Let me tell you. Download the dollar-wise budgeting app. Start a free trial see if it works for you.

Starting point is 00:59:07 Most people sign up for the annual version after the trial because it saves almost 50%. and you get my 30-day budget meal plan signed by me mail directly to you along with the digital version of the cookbook. So there you guys go. No more meal prep. And if you're going to stay at home, stay at home and cook.

Starting point is 00:59:20 I do. Every night. Really? Yeah, I do every night. Besides like random things. Besides the goalposts that's being pushing. No, you're right. I mean, you guys spent a lot of money on bullshit

Starting point is 00:59:30 but it wasn't going out to eat. Yeah. It's just other things. Now, another concerning thing here on just like that previous topic and we are going to move forward, but this is on the income side. Like, dude wants to be a f*** streamer. and you about

Starting point is 00:59:41 and you flipped out on the phone when you were learning that on the phone you were flipping out because I just think that's not gonna happen like so many people

Starting point is 00:59:50 have dreams because you're not aligned on life like so many people try to stream and they make no money and you have to do it for so many hours

Starting point is 00:59:58 that's a hobby until you blow up clip it post it on TikTok but she wants you to go out there to make more money to provide for the house so she can be a

Starting point is 01:00:05 a state-at-home wife mom trad and that would be a good avenue make a lot of money no it's not Not. Barely anybody blows up. And then you're spending so much of your time.

Starting point is 01:00:16 It's like insane. I'm also concerned what the fuck you're afraid of me finding on your phones, though. What hits your account currently? I didn't get that number. Monthly, 36? No, you make less than her, but you bring in more. It's like 1800, yeah. Well, it's because I have a lot going into my 401K and then also health benefits.

Starting point is 01:00:36 Should you? And the 401K if you have this much debt? Or is this all him? Um, is that an other thing? He's not only a horrible match for you. It's definitely not on mine. But he's bringing in all the debt. Then why are you contributing so much here 401K?

Starting point is 01:00:49 You should only be contributing that. Half of that is from trips. Why are we doing that? What other trips did you do this here? We got the two cruises. She was going to Italy. Yeah. She is going to Italy.

Starting point is 01:00:57 Yeah, but she said you went to eight so far. Well, the rest are just like weekend trips. Like mostly to see family. That's money. Yeah. Yeah. That's fucking money. Yeah.

Starting point is 01:01:07 You can't afford that. Yeah. Who's the Sapphire preferred? Me. What the fuck is wrong with you? You want to be a stay-at-home wife, but it has the balance of $5,364? That's Italy.

Starting point is 01:01:18 No, that's just Italy. Does that mean it's good? No. Then why the fuck are you trying to say, oh, but that's what the fuck are we doing? Why do you think you are allowed to spend $5,000 to go to Italy? In what world do you think you are entitled to do that? It's our last, like me and my mom are going for our last.

Starting point is 01:01:38 She can pay for. It's going to pay for it then because if you want to be a trad wife, you don't get to have both. If you're trying to survive off for a while before he could even do that. But you're pushing that while even further because you're spending so much money on things that don't matter. Matters to me. She thinks it's the last because of the kids. Listen, if you're finding it's closer to travel to world, I'll structure this around this. But so far it makes it sound like the trad wife them is more important.

Starting point is 01:02:04 So I'm structuring this kind of thing around that. It's more important, but he is not there yet. So what's the point of even trying to. Because you're making it further and further. And more and more he has to make to get you there. I'm going to pay off my debt before I even quit working. So it could be going towards an emergency fund that is fully maxed out and paying off his debt as well. Which gets you there quicker.

Starting point is 01:02:26 Italy doesn't sound like more important. If it is, we can focus your conversation on more travel. But it sounds like Tradwife is more important. So that's why I'm structuring the conversation around. My right or right? Wrong. Both are important. Which one's more? Choose. Choose. If you fucking gun to your head, choose. And I'll go get one. I have a 3,000 shotgun ready to blow someone's head off if they're breaking in.

Starting point is 01:02:49 Because of him. If he was making strides to make more. No, no, no, no, no, no, no, no, no, no. Choose one. Choose one. Okay. There you go. So that's what the conversation is going to go. Massive minimum of the payment comes with the card. 1,267.508. Yes. That's the minimum? Yes. So I don't get interest off it.

Starting point is 01:03:10 Fees accruing while you are getting interest. Interest. No, no, no. Well, there is interest accruing on the credit card. Yes, there is. $28 a month. Oh, because of the balance. I did a payment plan for the huge balance.

Starting point is 01:03:23 Which is why the minimum of the payments are so high, but you're still accruing interest. Yes, but. And fees. The fees are from the payment fees most likely. Yes. Yes. The plan fee, plan fee, plan fee, plan fee,

Starting point is 01:03:33 plan fee, Norwegian cruise, American Airlines probably, American Airlines. chase travel, no age, and cruise again. So you've paid for fees 318 this year so far just to get these extra bullshit. But I think it's less than the interest, right? Yeah, but it's still fees. It's still bullshit money that you can't afford.

Starting point is 01:03:51 You can't have taken away from you right now in this financial position. You really can't. And what are you doing? Of course, apartments.com. You're paying for that? That's our rate. For fucking $31.

Starting point is 01:04:02 No. Oh, that was our application fee. Oh, doordash? DoorDash and culvers. You have good taste again. Join me and my girlfriend. Leave that man. We'll have Culver's every day.

Starting point is 01:04:14 My girlfriend will give you babies. This guy. Nah, the DoorDash is bullshit. I only do it like a few times. I agree. I hate it. Wait, wait. Didn't you just say you cook every day?

Starting point is 01:04:22 No, no, that's lunch to the office. Every day. Fuck you. Pack lunch. I know. Come on, your trad wife. Pack lunch. That's like your job.

Starting point is 01:04:30 I would. You would. It's just random. You saw that I don't eat out often. So it's like. Well, Culver's Jersey Mike. Like you, and then another place you were. Huh?

Starting point is 01:04:41 Great, but you still are. You still are adding to a balance that is accruing interest that is preventing you from your f-ness and even traveling. And then there is that, well, door-dashing gold and golden something chick. Oh, golden chick. Yeah. And then American Airlines. Have you had golden chick? Yes, it's fine.

Starting point is 01:04:55 The biscuits are incredible. Did you get the spicy? The spicy's good. All right. She likes spicy. She's spicy. I get her. She's not that way.

Starting point is 01:05:04 Fees like crazy, man. $174 in just a month with your payment plans. Like this is insane So no Spending money on that shit Doesn't make sense In this situation If you're trying to get to that goal

Starting point is 01:05:16 Listen if this is the life You want to live that's fine Payment plan or the interest I'm actually curious Neither these purchases No no no But if I were to make the purchases Do you think the payment plan is smarter

Starting point is 01:05:25 But it still doesn't That's an impossible question Is an incorrect question Because the correct answer is neither Because it doesn't align with your goals So stop Stop! You're being spoiled

Starting point is 01:05:41 think you deserve everything in this world. You don't. That was just one card? Yeah, that was one card. Wow. Who's blue cash every day? Me. You're...

Starting point is 01:05:50 Dude, you are self... It has interest free currently, but it won't be forever. Oh, that one, it's because he owed me money on that one. And my wedding dress was on there. But he owed me... What are you talking about? Yeah, I owed her like a thousand... Like a thousand...

Starting point is 01:06:06 Like a thousand 700. He owed me. So then that was all put on that card, plus my wedding dress. Did you put whatever... You put less on it than you spent... towards it. It takes 11 years to pay off minimum monthly payments only without any purchases. Your kids will still be zero years old because you're never going to get to your goals.

Starting point is 01:06:22 Probably. Yeah. Rip. 11 years is not that bad though. It is if we're trying to get to your goal. But I don't do minimum payments. You can see that, right? You're right. You actually purchase more on it than you put towards it. So it doesn't even matter. Let's see you're actually doing even worse than just a minimum fee payment without purchases. So what the fuck are you trying to tell me? Huh? My wedding dress is on there? I don't give a shit.

Starting point is 01:06:43 Why do I care about your dress? I don't give a fuck about your dress. I don't care. It's pretty. No. It's pretty. No. Yes.

Starting point is 01:06:50 Well, you're going to have to return it because you guys shouldn't be together. Blue cash. And I actually mean that genuinely, by the way. Not because I hate you guys, but because I think we've all known couples that are trying to make the other person be who they are not. And it does not end up well. Even if you guys love each other. It does not end up well.

Starting point is 01:07:12 Good luck. $53.69. It's your minimum fee payment. Of course. Spending more on it. Then we're purchasing. It's a $2,684. $52.

Starting point is 01:07:23 What are we getting? It's a bullshit. Verizon Wireless. Like $2. It was that like a fee? What are doing? Getting gas. Shit to me.

Starting point is 01:07:31 $2. I had a gift card and that was just the remaining. Okay. Netflix. Bullshit. Potentially. Maybe groceries. I don't know.

Starting point is 01:07:37 Where do you get groceries? It's different every time. Where do you get groceries mostly? Walmart. Thrive March. Get Trader Joe's sometimes. Disney Plus. There's a bunch of places.

Starting point is 01:07:46 Maybe bullshit. Maybe groceries. I don't know. That's hard to tell. If it's Walmart, it's probably groceries. But you're still putting it on a card that will be interest accruing. That one's not interest yet. Will be interest accruing.

Starting point is 01:07:58 But it's not yet. What I was saying. And you're not paying it off because you're purchasing on it. Okay. Oh, you have a balance without travel insurance? Wait, what is this? What is this balance on this cruise thing? You still have to pay this?

Starting point is 01:08:12 Um, well, we're not going, we canceled the cruise. Are those the flights? No, no, no. We canceled the cruise because of the plumbing thing, but then we just spent the 17 at Chok Ta instead. Yeah. What? At what?

Starting point is 01:08:24 Chalkta. That's where what is that? The casino. I hate you guys. So the money's already gone. You don't owe it. It's on a credit card. It's on my freedom.

Starting point is 01:08:32 I'm going to fuck kill me now. Is that a different card in here? Yeah. Is that a fuck me now. What are you doing? You spent $1,700 at a casino plus the money. actually spent at the casino. We saw a move.

Starting point is 01:08:44 We swam. Wow, that's crazy. We played bingo. It did count the stuff that we spent, the money that we spent gambling. Dude. So the lifestyle you guys are trying to live in your early 20s because you've been blessed with an incredible income is going to destroy your life. That's why we're here.

Starting point is 01:08:59 You guys are f***ing up everything. We're trying to learn. This isn't trying to learn. You're doing this now. You're doing this now. You lost $825 in the flights. Because they were non-refundable. Well, now I've been booking non-er refundable.

Starting point is 01:09:16 Huh? Oh, now after you lost $825, yeah, good learning lesson. Yep. You see how you're never going to end up to your goals? You're just losing money left and right with insane stupid behavior. Insane stupid behavior. At least I get to see the world before I'm a parent. Who?

Starting point is 01:09:36 Before I'm a parent. Before I'm a mom, I can see the world. That's kind of fucking stupid. I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $200 in bonus cash right now. When you sign up for the checking account that I use, chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same

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Starting point is 01:11:49 Check out the link in the description below to see your personalized offers or go to Calebhammer.com. And remember, you still got to do the work. My parents are seeing the world. Yeah, but then they're probably old when they're traveling, right? Like 50. I don't know. I want to travel when I'm young and then have kids and settle down. When do you want to have kids?

Starting point is 01:12:07 When we can. When? Put a timeline on this if you're saying you have to travel the world before them. Like two years. Okay, I don't think you can travel the whole world in two years. No, but I can get my travel itch out. And then... No, you'll never get it out, dude.

Starting point is 01:12:22 You'll never get it out. I can do a cruise once a year. That's affordable. Yeah, I mean, that's fine. But that's not like... I wouldn't hardly consider just... It's not like traveling that much. You're going on a cruise.

Starting point is 01:12:32 I guess. But then you can pick the one that you go to a bunch of locations. I guess once a year, it wouldn't be the worst thing that we could do that, but that's not what you do. That's not what you do. I don't have kids yet.

Starting point is 01:12:41 You've gone on two cruises this year so far. I know, but you're trying to in two years you're not going to be able to if you're doing this lifestyle you're doing now. I wanted to, you know, delay some things. You guys talk about money? No. Sometimes.

Starting point is 01:12:52 Not really. Two very different conversations. What do you mean sometimes? We'll have a conversation every once in a while. Say we're spending too much or I think we're buying some dumb-ass shit. Like those clean paper towels we just bought? Oh, yeah, I got bamboo toilet paper. Did you see the plastic detox on Netflix?

Starting point is 01:13:13 So now I'm trying to go clean. Like, this is 100% calls. caught in. I'm trying to like avoid all the top because it helps with fertility because people are having really big problems with fertility. Yeah, they're usually fat. No, not necessarily. The six couples in there, three were able to conceive. Oh, in the documentary specifically about that topic, that's interesting. Well, I'm just saying. Who would have thought? That's interesting how it works. I'm talking about the paper towels though. Are those bamboo? Yes, those are bamboo. Those are dumb. Because all we use them on is to clean up dog shit. It's still good to get rid of toxicism in the house.

Starting point is 01:13:46 I don't agree with that. You don't agree with that. I mean, it's fine, but I want to be spending a shit ton of money that we don't have throwing away our lives for it. I'm not. What do you mean? Yes, you are with all the paper towels. Buddy, it's everything is stacking up.

Starting point is 01:14:01 The second she saw that, it was a complete 180. And that's most things that she does. It's like she sees it, she wants it, she does it right then and there. Like that camera. And you control everything. Yeah. I sold the camera though. She bought like this $1,000 camera.

Starting point is 01:14:16 37x. I wanted it. Literally like two days after seeing it. But then I got it for 900. What? Why do you need it? She didn't even use it. You didn't use it one time.

Starting point is 01:14:23 Your iPhone takes good photos. No, I know. And then I sold it for 1,200. So I got a profit. Okay. You got lucky. Not even one time. You got lucky.

Starting point is 01:14:34 I saw that it was selling for a lot of money. So I was like, if I don't like it, I can sell it. And I did. Are you a cuck in this house, man? I don't think so. Because it doesn't sound like you can stand up for things. Say, hey, no, let's not get a cold all day. Huh?

Starting point is 01:14:46 I'm getting 2B1. Any time. What do you mean today? That's with you being racist. Other than that. No, no, no. With her mom. Anytime I bring up something to her.

Starting point is 01:14:54 She asks. No. He brings up my mom. What is this mom? Every single time we have something. I mean, her mom read the situation right where if she has to push you endlessly throughout your life, you're always going to be someone that is.

Starting point is 01:15:02 I don't. That is correct. There's some times where I know I'm right. And her mom definitely think so, but she always sides with her. Like what? I don't know right now. No, you have to. Huh?

Starting point is 01:15:14 My mom will tell me that I'm being stupid. Like, what this. trip. She was like, stop doing that. And that's his stance. So I'm like, I don't know why you think that my mom will just not agree with you if you're right. Because she does. She's pretty neutral. I need an example if you're going to allege that, man. I don't know. I just think she's pretty like if I'm being stupid, she tells me. She's the first one to tell me about all these trips. She thinks I'm really stupid. Maybe that. Because it is stupid. Okay. Who has the ideal car?

Starting point is 01:15:44 That's the ring. But it's in my name. But it's in my name. But it's. You have it on? No, you're not married. Oh, okay. Engagement ring. But it's lab grown, so it's not. How much was it? It's like $3,000.

Starting point is 01:15:55 Well, the set was $3,000. So we are going to return it, right? I don't know if we can. That's crazy. I don't think we can. We are going to sell it? They don't sell it. I mean, they don't sell it.

Starting point is 01:16:03 You're going to sell it? You guys aren't staying together, right? We have to talk. That would be crazy, guys. You are just not a match. I'm sorry. It's just the reality. I'm really sorry.

Starting point is 01:16:16 I do feel bad about it, No interest accruing, that's fine, but it's going to take forever to pay off. The deferred. Look at the deferred. Yeah, what is the deferred end? It's like July. Yeah. But it's him making the payments.

Starting point is 01:16:29 I paid off his ring. It was $4,000. In July, I need one more payment. No, you made the minimum only. What are you talking about? You have to pay $1,500. How much so? Huh?

Starting point is 01:16:40 How much sold it? $1,500, you fuck. That's one payment. You paid $55. Maybe you feel like. Two. Two of them. That's what you paid the last month.

Starting point is 01:16:50 I understand that. If you make more... That's an easy, easy one more. Yeah, except you guys blow all your money, so maybe not. We'll see. And so how much goes on there if July hits? Hundreds, almost like a thousand. Oh, so it's like two payments.

Starting point is 01:17:08 Dude, you want to be with a... Literally, your kids are going to be so stupid. I'm not even kidding. That's not even a joke. Who's the city, double cash? I think that's me. You think or you know? That's me.

Starting point is 01:17:21 Okay, well, interest is occurring. Why aren't you making large payments on it? If you can make such big payments. I'm paying off. I'm paying off another card right now. What do you mean? What are you talking about? There's another card that.

Starting point is 01:17:31 There's another card that discover. Well, you better prove that when I get to it. Right now, this is accruing interest. Is it $1,000? No, sorry. It's at $944, $994. In 42 cents, minimum of the payment, $41. What did you get?

Starting point is 01:17:46 Why? What's up with this card? Why is it so high? Oh, he's had a late fee this year. So, yeah, he's really making a... A late fee. A late fee is crazy. He's had a late fee.

Starting point is 01:17:54 That's what you want to marry. Again. What? It really sounds like I'm running a campaign to break you guys up. But, like, you guys should probably break up. No way. Yes. $41 as a late fee.

Starting point is 01:18:06 That's crazy. Where does it say? Wait, wait, wait, wait, wait. It's under fees. $41 is a late fee. Being told that says... Oh. CS Go card.

Starting point is 01:18:16 Yeah, that is. That's... Think about it? So he has a late fee for buying skins for his guns. That's insane. It's the cases. You open a work. You know them.

Starting point is 01:18:25 Stupid. Yes, of course I do. You're okay with it and him being late on this. No, I'm not okay with it. He's going to keep doing it. I've made the money back. You were late. I mean, that's...

Starting point is 01:18:33 Interest is agreeing. Is interest occurring on the money that you made back? Why don't you have auto pay? I don't use the auto pay because I pay it beforehand, but I have it just in case I forget. Yes. I'm worried that it's going to overdraft. He does $100 once or twice a month for this shit. That's insane.

Starting point is 01:18:49 And that on top of everything against stacks. Not 100 or 200. I thought it was just randomly like a random purchase. It is random. Not if it's like one to 200 a month. It's randomly when I'm feeling it. That's random. I don't like that.

Starting point is 01:19:08 I don't like that. I don't like that. Discover it? Who's this? That's my card, but he uses everything on there. I don't do anything. You spend $1,088 on there? On the Discover?

Starting point is 01:19:17 It? Yes? Yeah. He took out of his 401k. What? It was a lot worse. It was like $3,500. He took out of his 401k and paid off and then now it's back to $1.000.

Starting point is 01:19:27 And again, you kind of know things about finances. You're the fan of the show. You are that person. Yeah. You are. Sorry for running this campaign. Married someone who's spending this much on an interest on a car that is going to and he took out of his 401k for it.

Starting point is 01:19:40 There's like $400. While he spends hundreds on CSGO a month. You're okay with someone that pulls on his 401k for that. But I'm thinking it was way more interest. You know, it's actually kind of pathetic. You got to understand. It's kind of pathetic to go along with that. There's necessities on there.

Starting point is 01:19:53 It is kind of pathetic. It's kind of pathetic that you can't stand up. Can't stand up. And you'll just accept it. Failure. Who gives the shit, dude? You'll get a success. You'll find someone else.

Starting point is 01:20:05 I'll matchmake you. I'll matchmake you myself. I'll matchmake you myself. Wes, he's handsome, he's tall. He does well. He's successful. He's who I've been trying to matchmake with people. He kind of looks like him just a little balder.

Starting point is 01:20:24 But he's much better. He's probably going to bald. Yes, he absolutely is. Look at him. Look at that shit. No one puts their hair like that. No one with a hairstyle like that keeps it for long. I mean, my dad's just bald. And he's going to age horribly. That white skin? Good luck, dude. I think I look good bald.

Starting point is 01:20:40 You don't think so? Can you grow facial hair? Yes. I have to shave it. She doesn't like me growing it out. Okay, then, yeah, you might look okay. You might look okay. No, no, no, you're going to age. She made me shave it for the show. I don't care.

Starting point is 01:20:50 You're going to age horribly. Well, because it was like little pub hair. He's going to age horribly. It would have grown, though. It was like little pub hairs this morning. He would have grown out. It didn't look bad. I think it looks good.

Starting point is 01:20:59 $35 a month owed $800, oh, $822.21. But did you spend $1,000? But there's like breaks on there. There's food probably. Yeah, I'm about to go through that. I'm just let you ask. So, but you don't have to. You can go to the, you can use your debit card.

Starting point is 01:21:14 You went to the past store, but it could have been on a debit card. Beltos? IHOP, Marshalls, Buffalo Wild Wings, definitely some bullshit from Walmart because that's 375. That was not a necessity. What are you getting energy drinks or something?

Starting point is 01:21:29 Yes. Of course you know. Congratulations. We make it at home, just like you got to make your coffee at home with Gamer subs. Find out the flavor you like by getting the free samples.

Starting point is 01:21:37 Gamerosubs.g. Link in the description below, typing code Caleb. Get your free samples and then get your pack at 10% off with my code and you'll be able to make your energy drinks at home. They taste better.

Starting point is 01:21:47 And it's good for meal prepped and 40 cents a serving. So there you go. Some energy drinks. Rivera's Salvadoran. Rams, Taco Casa, Amazon, bullshit, seven brew coffee, sirloin meat company,

Starting point is 01:22:00 sorloin meat company, hundreds of dollars. Oh, butcher. We get a meat from a butcher. Yeah, hundreds of dollars. You guys can't afford it right now

Starting point is 01:22:07 because you guys have f*** up everything. That's what I'm saying. Bullshit. It's like 20 pounds of meat a month for 240. Okay, that's not the worst. That's actually good. Yeah.

Starting point is 01:22:17 And then you guys go, to eat constantly on here. Or he does at least. Rockwall, rock wall, rock wall modern, and then record center. Record center.

Starting point is 01:22:25 I don't know. Probably the new album. The vinyl. It's stupid, guys. You're never going to be able to hit your goals. Never.

Starting point is 01:22:32 With this kind of spending, this is insane. And then the freedom card comes up next. Mine. And you brought that up earlier. Yeah. Okay.

Starting point is 01:22:39 Well, it's not a big O. It looks like this one's paid off every month, so I'm not going to write it down. But it is still money that is being spent. Well, that one's the one where the 1700's going on

Starting point is 01:22:46 because of the casino. Okay. Yeah. $1,700. Yep. Minimum will be like $40 because that's what it always is on here. Listen. Okay, yeah.

Starting point is 01:22:56 So, yeah, it's gone up substantially. It's over $2,000 at the casino. Okay, listen, this makes the sense. Even if you did pay this off, it is still money that is being spent that could be going towards other things that are important. So it's still bad even if it's a paid off every month of credit card,

Starting point is 01:23:10 which is no longer anyway. So interest will be accruing. It's fucking stupid. And what are we getting on here when it wasn't even high? Energy drink. there, Junis. Energy drinks. Or probably, I don't know, you went to Walmart for groceries,

Starting point is 01:23:22 but then you went back inside and you got some bullshit. You got something to the... Oh, it's probably groceries, though, because I don't go in and buy any drinks. Well, see. Genesis Thrift Store. Alan Ash and Rose, Mochi, antique, antique gallery, East Fork Mall,

Starting point is 01:23:36 Chilistown, East Fork Mall. Oh, I hung out with my own. Some bullshit, Starbucks, Ram Fitness, Hueys, Coffee, Rockwall, Modern, bullshit, TikTok shop, Goodwill. Yeah, she shops a lot. Yeah, you do. And you've had some fees this year, too. A lot.

Starting point is 01:23:50 Fees? Better not be lay fees. I never have missed a payment. No, it doesn't look like a lay fee. I can't tell what it was for $10. Who's the Apple card? Mine. Guys, you have so much debt, so much cards.

Starting point is 01:23:58 This is so stupid. 239. Minimuthy payment, 25. I don't think there's any purchases, but you guys are just carrying credit cards and balances. She's got a new puppy for $900. Of course you are. You shouldn't even be together.

Starting point is 01:24:11 I love that, baby. Depot, Starbucks, one quints, real paper, a real paper. The Calisters, Marshall, healthy shit I'm talking about. Bullshit. One's quince, Donald's Marshall's TikTok shop.

Starting point is 01:24:25 That one I pay off every month, though. It's bullshit. Gap, Gap, Gap, this is bullshit. Okay, I'll cross it off for paying off, but it is still hundreds of dollars. That one has $500 now. I'm gonna kill. Okay, probably like a $40 payment.

Starting point is 01:24:43 But I'll pay that off next month. Oh, we'll see. It's as stupid, man. Even if you are paying it off it, it's still money that could be going towards an emergency fund or retirement, instead of him pulling it out. Instead of you guys going in debt to the family for the wedding. Instead of you having to do a $20,000.

Starting point is 01:25:00 Travel bullshit for your honeymoon. Capital One saver only made the minimum. Who's the saver? That's me. Interest free. For now, it won't be long. 289.46. Minimum with the payment, 25.

Starting point is 01:25:16 Interest accruing. I can't even spend a lot on that one. It's like $300. Thank you. That's what you want. This is so pathetic. Capital One, who? That's me.

Starting point is 01:25:25 Interest is accruing, only making the minimum. This is the one you said you were making progress on. No. That's the discovery. But that's because you pulled out of your 401K. Yes. I did do that. Oh, so it's not actually making progress. It's pulling out of your retirement.

Starting point is 01:25:37 Shut off. $234.20, $25 minimum of the payment because you pulled it. I needed to buy breaks. So it went up. After you pulled out of your 401k to pay it, that's why we don't do that, man. It was the meat. Listen, we have personal loans to apply for on Calebhammer.com, but it's only when you have changed behavior.

Starting point is 01:25:54 And then you can do it or else you end up with credit card dead again after you already pulled out of return. Those were necessities. We had to eat and I had to do my breaks. You want me to crash? We are legally obligated to answer no. But either way, number two. What about the food?

Starting point is 01:26:05 It's not just that you guys spend so much money on bullshit that instead of pulling from retirement that could have gone to the necessities instead. Shut the fuck up. It was food. Shut the up. Amazon. Yes, but you'd be able to afford that if the money wasn't going to bullshit, thousands a month.

Starting point is 01:26:17 Amazon is me. Oh, it's zero dollars. I don't have to worry about that. That one has 95 on it. Okay, well, that's fine. I'm not going to figure out about that. Amazon, Amazon, Amazon, Amazon. Okay, student loans.

Starting point is 01:26:29 Who's 18,000? That's me. For a two-year degree. Yeah. You have that, too. No, but he doesn't use it, and I have a two-year degree. It's networking and systems. Okay, why don't you get, I can get you an IT certification through course careers,

Starting point is 01:26:43 get into higher income field. A lot of people have done that. That's why I wanted to go into the military to get that paid for. Why, buddy, you're just doing plumbing? Oh, like, the plumbing is to have something on the side. in the reserves. Okay, monthly payment, 122, 26. Yeah, I pulled out extra loans at the time

Starting point is 01:26:59 because I wasn't working much. He's never going to change. Federal Student A, CRI, is that you? Yeah, it is. Okay, $36 a month, 3671. Minimum of monthly payment, $3,301.20. Okay. That one.

Starting point is 01:27:21 Fuck, there's still more. This is collections, isn't it? It never went to my actual collections because they messaged me right before. it went to a collection agency, but they messaged me. There's not. There is. No. Yes. Before I paid it before they contacted me. But now I'm on a payment plan.

Starting point is 01:27:35 Late fees. 100 hours. What do you mean? Before when? Before when? Before I set up the payment plan before they contacted me. It's $50 a month. I think it ends. 50? So it's $986, $87? $50 a month. I've been paying it since 2024.

Starting point is 01:27:50 Well, $50 a month for that $900. So that's all the student debt. Yeah. All right. That's all the debt. Good. Check any count. Who's Wells Fargo?

Starting point is 01:28:00 That is me. Yep, there it is. Energy drink. Mr. Jay's specs. Gotta get the beer. Do you drink? Occasionally, like maybe once or twice a month. Dude, eight beers in a sitting is crazy twice a week.

Starting point is 01:28:13 Have you ever had a Coor's Light? Yes, it's disgusting. That shit is the best. What? Or a banquet? I've never had that. I don't know what that is. It's a Coors Banquet, like the original.

Starting point is 01:28:25 What? No. Delicious. I don't like beer Carl you have to please let me I can get you I can find you someone

Starting point is 01:28:34 Even a gay man would be better Lavender marriage Yes I would like that He would probably give you more babies Than he's able to Energy drinks steam games Mr. Jays

Starting point is 01:28:44 Steam game steam game steam game Steam game steam games What's Mr. Jays Is energy drinks Pokemon Go Pokemon Go Energy drinks bullshit Pokemon Go

Starting point is 01:28:54 Energy drinks bullshit ADU Draw 205, went to the strip club, had some fun. Probably. No. What is that? What is that? What did you say?

Starting point is 01:29:02 Bro has an only fan's login. I don't. That's crazy. It had to be old. Chase? That's you? Yeah. You started with $53 and ended with 94?

Starting point is 01:29:09 You suck too. That's... So far, just money transferring back and forth. Okay. And then Apartments scope, apartment's club, apartment's club, Zelen. Okay, that's not horrible. Savings is held steady at $1,300.

Starting point is 01:29:20 She's going to be the only reason you might have money. And this one, in your savings, $0. $0.0. Are you guys getting the relationship yet? 295 infidelity. Who's that? That one is me, but it's up to 1,700.

Starting point is 01:29:34 That's fine. Charles Schwab, who's that? Mine. That one's actually good at 35,000 at your age. It's the only thing that's going to give you guys kind of fit. And it was 33 when I put it in. So it's been growing. Okay, and then you obviously have nothing because you're pathetic.

Starting point is 01:29:49 Gross. sucks. I had it. Actually, before we met. Are you going to say it's her fault? No? It's actually my brothers. You pulled it out? Huh?

Starting point is 01:30:00 That you chose to pull it out? Oh, no. This is just savings that he was talking about. Yeah, I had like nine grand saved up. Yeah. Okay, do you now? No. And do I care?

Starting point is 01:30:09 I mean, you should. Net income, no. $7,080 a month. Good. Good income. Listen, the Sapphire prefer won't normally be that high of a minimum fee. Don't even factor it in. No, I'm going to factor in normal, which is like...

Starting point is 01:30:26 Yeah. What, like 200? How much is normal? Normal would be low, because I'm just paying off those and then it will be completely done. Well, there are some smaller purchases on there. Those I pay off right away, but I think it goes to the payment plan. No, there's inches accruing, so that's not true.

Starting point is 01:30:44 No, but I think the payment plan it goes to the payment plan. I'm going to add 50 bucks. Minimsy payments outside of that, which will quickly wrap up, $5771.66. What's your rent? $1,500. $15. Okay.

Starting point is 01:31:01 Utilities, gas, electric, internet, all combined? Internet, gas, electric. $400. Okay. Phone bill? We're separate, so I'm 62. And I pay $50. Okay, helium's good up there, guys.

Starting point is 01:31:16 $15 bucks in line. Same towers as T-Mobile. Transportation, gas, room, room, drive, drive. How much? I spend $200 a month, probably on gas. I probably spend $3. maybe a little more, 350. 500. A little more, 550.

Starting point is 01:31:30 Okay. Car insurance. 370 for both of us. Okay, necessary food, 600. Meal plan, meal prep, easy, peasy. TP fund, anything else you guys need to survive. 200. Tampons, makeup, total paper, all that good stuff. Toothpaste, TEP. Medical health care. Any co-pays on a monthly basis?

Starting point is 01:31:50 I do mochi, which is like the semi-glutide. For weight loss? Yeah. Were you fat? Not really. I was just 170 and I lost 14 before I started semi-glutide. 5-4. I just want to lose like... I was in a picture. She's not fat, but 170 is kind of heavy for that way.

Starting point is 01:32:09 But that was 170. It's probably your f***ts. I mean, I just want to lose like 10 more pounds. I mean, that's fine. There's nothing. It's okay. I mean, I technically don't need to be on it. I lost 15 before I got on it. So I was down to like 155.

Starting point is 01:32:22 Okay, how much does it cost? $155 a month. I hate that shit anyways. I'd be happy if you got off of it. Why? I think it's stupid. Think about like the, I don't think she needs it.

Starting point is 01:32:32 Think about the long term. What's that, what that is doing to you? Do you know the long term effects? No, but who does? Who does? But also diabetes, like people have been using Ozempic for years and years.

Starting point is 01:32:42 For diabetes, though. For 20 years almost. It's been to say. For diabetes. For the actual, actual reason. Do you have any pets? You just got the dog.

Starting point is 01:32:51 Yes. Yes. We pay $110. For pets insurance. One 10? Yeah. How much for pet food? I don't know how much he's...

Starting point is 01:32:59 I do the dogs. He does the cats. So I think I pay like 80 bucks a month for dog food. And you? Probably 100. 180. Anything else that needs to be in this budget that I've not put in? No.

Starting point is 01:33:13 You know, budget is a household. Honestly, I'm just going to emphasize it again, just one more time. And I do apologize if it's too much. But I really don't know if you guys should be together as life partners. I don't think you guys are bad people except for the racism. But besides that, like, I think you guys are okay and you will find a better match. And it doesn't mean you guys are horrible. Doesn't mean you failed.

Starting point is 01:33:38 Doesn't mean you're losers. Okay. Listen, 4,800 essentially to live. I'll give you $200 of fun, rounded up to 5,000 to live. Okay? I'll give you $580 or 280 to live. So you have 2,000 left on a monthly basis. So your debt is $30,822.22.

Starting point is 01:33:54 and 27 cents but we're going to minus the student loans so minus 18,8,8505. And minus yours at $3,301.20. So 8,000. Okay, that's perfect. You're paying off debt in four months. Easy peasy. High income earners, I swear, they're so privileged. They're so spoiled and it's the easiest situation in the world. You guys are fully funded a mercy fund in a few months. And then you can tread away away. It's so easy, guys. This is actually four months to pay off debt. one of the easiest in the show, if not the entire show. What the fuck is wrong with you guys?

Starting point is 01:34:28 Leave each other, get better partners. Because you guys aren't it. We have to talk. And that's fine. Yeah, talk about it. Someone's going to manipulate someone and then you guys are going to stay together and then it's going to be resentment and just not the right partnership, but that's okay. Happens every day. Gonna call the mom in the post show and see what she thinks because I bet she agrees with me,

Starting point is 01:34:47 but let's get the hammer financial score first. I'm going to look through your search history as well. Andrew L's text messages There's always shit in there Okay, spending in a budget Zero out of 10 you ever spend Debt That collections thing

Starting point is 01:35:02 Technically would bring it down But it's not hitting your collections I'll give you a one out of ten Being generous Emergency fund One out of 10 Because you have like a thousand in retirement Good for you

Starting point is 01:35:11 But if we're going together Dramatically brings it down 5 out of 10 Real estate is your out of 10 Amber Financial Score Get Cheers at Calebhammer.com You guys are 1.5 out of 10 Join us in the post show.

Starting point is 01:35:23 Click Hammer Elite. You'll see their drive home. We'll edit it down to see what the conversation actually ends up. See who manipulates who, how they still end up together. Who knows how. But they will, sadly, for them. Join Hammer Elite. Three shows a day, six days a week.

Starting point is 01:35:40 Stay there. Let's do what your mom thinks. Everything you said, I've kind of said as well. If they end up getting divorced, they have to pay me back for the wedding. I've lived through that with resentment, you know, being in relationships with that resentment. and it's not good. And so it is a big fear of mine. But I want to tell her now,

Starting point is 01:35:57 your mom's right. I have an exclusive offer just for you. But there's only one week left to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Plus, I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch,

Starting point is 01:36:19 I'm offering 30% off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join in, and that's a promise.

Financial Audit - I Exposed His Hidden Affair | Financial Audit

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