Financial Audit - I F*cking Hate Them | Financial Audit

Episode Date: December 22, 2025

My whole team comes in the post show to call him out for being such a little cuck boy, while also they have to constantly fight her on EVERYTHING because she won't SHUT UP... Watch here: ➡️ https://bit.ly/chpostshow ⏩ Click here to fill out the YouTube Creator interest form: https://calebhammer.com/youtube 💸 Download DollarWise today: https://bit.ly/dollarwiseapp 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Download Helium Mobile and sign up with code CALEB 👉 https://app.heliummobile.com/o6WA/vdqufw1r Learn more: https://heliummobile.com Head to https://DrinkAG1.com/Caleb you’ll get the welcome kit, a Morning Personhat, a bottle of Vitamin D3+K2, a AG1 Flavor Sampler and you’ll get to trytheir new sleep supplement AGZ for free. ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch Learn more about your ad choices. Visit megaphone.fm/adchoices

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Fit for your ambition for Citizens Bank. To watch episodes of Financial Audit a week earlier, check us out on YouTube. You're the annoying one in this conversation. That is why I am ripping you. As you should. He probably needs someone to stand up to you for the first time because he never has, because he's probably a little bit of a pussy. Go fuck yourself.

Don't be so f***matic. Do you not let him speak in the house? No. No, I think no was the correct answer. Is that five bucks from you? We don't listen to people that look like you anymore. Is it a woman thing? No, SJW thing.

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mailed directly to you. Dollarwise. app or link in the description below. Hi, I'm Jordan. I'm 26 years old. I'm Matt. I'm 24. We're from Springdale, Arkansas.

And this is Financial Audit. It sure is, and you guys drove down, right? Oh, yeah. How high are you, Matt? Look at you. Look at you. You've either done 10 shots of a day or just sleepless driving through the night from Arkansas. Yep.

That's exactly it. Really tired. Well, we got a big conversation ahead of us, big guy. Now, listen, again, I always say this. I go blind with the audience. That's the fun of the show. But Colton, you know, kind of waddled in. In fact, you know, he often likes to skip.

So he was skipping in. He skipped into my office this morning. He was like, hello, Caleb. And I was like, oh, Colton, oh, hi. This must be exciting. And he said, oh, it is. Because he has no idea what the fuck is going on. That has no idea what the fuck is going on.

His lady. This nice little lady here, something piercing and all. It's just hiding. I knew. It's just hiding. You were going to say something. What's the prejudice against that? Well, you look like a freak.

But other than that. No, it's just an accessory. What did you? An accessory. It's an accessory. Get some hearing aids. Well, but you said it very weird. You said it like, like, sorry.

She does that. Okay. Sometimes I don't. Well, I'm not from there. Thank God. Which is very weird because you said it like you were. No, you just look like you belong in a pasture. But other than that, it's okay.

I guess. Correct. But. I used to weigh 360 pounds, so. It wasn't a fat joke. Oh, well. It was a. Oh, the bull.

Oh. Oh, she's stupid too. That comes along with it. She's a little ditsy, but that's okay. She does that. Well, the main issue And I think what Colton was trying to tell me Is that your lovely lady here

Has been hiding an absolute crazy amount of From you and you have no idea what is going on in the finances And it's a complete shit show Okay, first of all First of all, not hiding Well, I was talking to him But yeah, why don't you jump in Not at the gate?

I think we kind of know what personality you are at this point Sure, what's going on, lady Oh, I just want to like get better at budgeting. I mean, I feel like he knows. What the fuck of the answer is that? The fact is, I mean, the main note that I have is we want to take things to the next step. But she's hiding shit from him. Not exactly.

No. Okay. How would Mr. Matt describe it then? Because I feel like she's trying to downplay something here. When the very note that we have from you guys is. What are you trying to dramatize it? Not necessarily. Maybe, I don't know.

The note we have from you guys, well, mostly him is she says she's ready for the next step, but she keeps hiding their finances from me. That is the note we have. Not from me, not from Colton from him. So dramatizing, maybe, I don't know, but that would be from him. Maybe you should, do you not let him speak in the house? No, we communicate very well. No, I think no was the correct answer.

And I feel like that's why you probably think it's romanticized because you haven't heard what he wants to say and what he has. actually thinks. I'm already picking that five up from you. Is that you projecting? Are you projecting onto me? I don't think so. You're projecting onto him. Do you not get to talk in your relationship? Yes, no. Do I have the floor? I would like you to. So we want to move forward. But there's some things she's hinted at. Things that I don't know the full story too. And we're here to. Sounds like she loves to talk. And yeah, you haven't gotten the full story somehow?

Mm-hmm. That's interesting. I'm not a storyteller, okay? Anyways, we're here to peel back the metaphorical onion layers here on the finances. And bury all the secrets and hopefully set the record straight. Why are those secrets? What is the next step? You say we're trying to move forward.

What is forward? Where are we? What is forward? Um, well, we've been together a while. What's a while? Let's try to get specific in this conversation. Well, started officially dating in February. So that's like nine months.

That is a while. When people say a while, I'm thinking a couple years in a minimum, a while? I would say for a little bit. A girlfriend I've only been dating since February as well. I wouldn't say a while. I'd say we've been dating for a bit. Well, you really hyped up that. Okay, you're 26.

You're not a child. I think we should have a pretty similar perception of time. but okay. So what is moving forward then when we've been dating for a little while? Thinking about marriage in the next year or so. Well, that's good. I love that. Love, love is in the air.

Oh, yeah. That's great. Are you consenting to them? I'm consenting. I love her. And again, I just want to get all these finances filled out. So what is going on then? What do you think is happening?

Because you're saying there's these things you need to. to peel from the anion, and all that. You're talking about how I pronounce things? O'yo. To move forward into the marriage situation, what do you think is going on? What's your perception? Well, I've heard about a water system, and I don't know the full story to it. I heard about a water system.

Mm-hmm. How do we hear about a, what's a, what's a, well, are you a homeowner? Uh, no, but, uh, I believe it's from a past purchase or perhaps, alone. What's a water system for what? What are you watering? Yeah. What are you watering?

Well, my hair, because hard water is bad for your hair. No, Jesus. It's, okay, it's from, like, my past relationship that I was in. It was like a rebound relationship, and I didn't realize it at the time. You rebounded with a water system? No, with a person, but he bought a house, and then he was... You know this guy? never met him

you're kind of reacting in an interesting way so I feel like there's some blood not the greatest of the bloods he doesn't know him never met him just heard about him

okay he's a piece of work I don't know how that equals water system so he we were together for like a couple months and we're tired of driving

back and forth because we were like an hour away from each other and so he was like it would be easier if I just bought a house so he bought a house Luckily they go for pennies in Arkansas, but...

It was in Missouri. And it was way more than pennies there. Or way less than pennies. But he was like, I'm going to get a house. So he got a house and I moved in. Good for him, the boyfriend of two months. Good for him. I'm glad he got a house.

Yeah, it was a bad decision. He, him, himself, and him and not you. As a roommate. As a roommate, that's the time that, like, they sent all these people to, like, sell you solar panels and sell you these things. Why does it matter if they come? They always come. The Mormons come.

The solar panels come. They all come. Oh, yeah. Why does it matter if they come? Well, I don't think Mormons come very often because it's a religious thing. But... I think they come a lot with their multiple wives. I think that's dated, but...

Well, if they're lucky, they're dating a lot. He bought the house. One of those people came to the door and was like, oh, this water system. And at the time, I was in the middle of losing weight. And when you lose weight, your hair gets super thin. And I was like, oh, my God, a water system would be good. great for my hair. And he was like, I can't get it on my own credit with just

what the... What the fuck are you doing? You're getting a water system just so... Because you're losing... This is... That's a... Feels like one of the more stupid excuses I've ever heard to go into a debt. Wait, is it a debt? You say you hear about a water system. What do you mean you hear

about a water system? Well... Where are the, like, rumors of a water system? She told me about this past, I guess I'd call it a situation ship. And... Yeah, two months before moving in. That's actually pretty intense. And this is coming from the woman who will not drink water without ice in it. So.

Okay, boozy cow. So very particular about her water. And I think it stems from that. And she heard water system with, what was it? Soft, soft, soft water. It had reverse osmosis, okay? Oh, for fuck sake. It had reverse osmosis.

Fully you. No. No. I didn't buy it. Okay. I'm confused what this rumor of a water system is that, guys. He signed on it. and he was like, oh, I can't get approved for it with just my name or credit.

And so I co-signed. But I didn't understand what co-signing was at the time. Okay. Well, so far, in the few minutes we've had, when you've used reasons for doing anything, it's just I don't understand. You know what happens to you don't understand something? You learn.

What are you talking about? I don't want to understand shit all the time. Does that mean I just do? Does that mean I just do? Well, in the moment, it seemed like a rational decision. The first time I did it. understand how to stick it in, so I want some poor. That does not tell you how to stick it in the correct way.

No, but it helped me at least proceed. You couldn't find a hole, like crazy. You needed to learn that. But anyway... Well, I could have landed in the wrong one. Well, it depends on your preferences, I guess. The thing is, if I don't understand how to cook, I learn a recipe. If I don't understand how to drive, I learn how to drive.

If I don't understand how to film or edit, I learn you... I didn't know that they sent solar salesman? I didn't... I didn't know what cosani means? I didn't. You tit. When was this? You tit.

When was this? It was like last May. You f-no. No, not this past May, the one before. You were 25. At that time, you had access to GPT, you had access to Grop. You had access to Google. I didn't even know GPD existed back then.

You don't know anything, is your excuse for anything. You had access to Google, I know you know that. You had access to Frikan Yahoo if you really wanted it. Okay, but besides that, besides the stupid water system, I'm doing great. I'm doing great. I'm doing great. That is no longer an excuse anymore for anything in today's society.

I'm sorry, it's not. The way they explained it to me. Is that 2002? Maybe because they were salesmen. Like, I don't know. I took their word for it. They were like, this is what cosigning is and it's not even a big deal. And so I just took a word.

I think part of it stems with the instant gratification. It was also. gratification of us reverse osmosis? Okay, listen. We have different gratifications. This is a pattern of instant gratification. Well, how do you feel getting into dating this pattern for potential long-term marriage? I'm more than just a pattern.

Okay. Considering. Don't minimize me. I've had to sort of steer her away from that. And she has gotten better, but again, it is still quite frustrating sometimes. I mean, in the entire conversation that you guys were having. in the onboarding process with Colton, you were just incredibly just swearing that you were better off with finances and that you're actually doing pretty good with finances. I don't think we're doing bad.

I think we're doing fine. You wouldn't be here is the fun fact with that. Like, it's impossible. And you having that mentality, if you ought to move forward, that mentality doesn't get you moving forward in a relationship. If you got, yeah, yeah, okay. Oh, yeah, what's your perspective on all this? I know you don't know the entire finances, but, like, what do you think? What do you hear of this?

Like, what does it even go in your head? I mean, she says she's emotionally self-aware, apparently. I am emotionally self-aware. And I'll give her credit, she does. She is self-aware. But when it comes to finances... No one with that hair is ever self-aware. I literally just did this.

Okay, I was like, I want a little bit of color. Then you're certainly not self-aware. I am self-aware. It's gorgeous. I love it. You perm yours. I don't want to hear it. All right, stalker.

Matt? You talk about it. Well, if we're staying on the hair topic, for a second. I can't justify spending. How much was it? Which one? Which appointment was it? What was the last appointment? What did it cost?

240. 240. It's justified. My hair looked really bad and then my self-esteem suffers and then... It should still be. No. I think I look good. You look like 2012 SJW. My choice!

What was popular then? Then. Okay, that costs you 300 bucks. I'm doing great. Oh, that wasn't the question. Yep. And also, are you? Again, you're on the show and you want to move forward as a couple.

Here's the thing. He can't justify a hair purchase. Well, purchase. I don't think it's like a purchase. It's kind of like a support thing. It supports my mental health because it makes me feel better. Which I'm not necessarily 100% opposed to. The thing is, I feel like if he,

He is noticing a pattern of endless instant gratification for being the reason we're doing everything. It's like it's a continuation of a pattern, yes, of which you might have associated with you, a pattern that is continuing down this cycle of bad finances, not letting you guys get to that next step. If that, there is a middle ground. You've never used conditioner a day in your life, I can tell. And you spend way too much on your hair. There is a middle ground here, ladies and gentlemen. Like, don't get me wrong. That condition this morning.

Well, I've tried doing it myself. Feel it. I've tried doing my hair myself and it ended horribly I'm not saying that either again that within itself is not an inherently bad purchase especially from you know

the female perspective okay I get it but if it's an endless pattern of instant gratifications leading us to financial misery I don't think we're in financial misery well he does in order to get to the next step which is your main goal

he's not willing to get there because you're being an absolute degenerate no I don't think you know the definition of that word I'm a degenerate but it's a degenerate in different, in more pleasant ways

and more fun, and we love it. But the fact is, you are obviously holding it back or else he would be going to the next step. I don't think I'm holding it back. Well, let's hear what Matt says then.

Let's hear what Matt says then. Well, are you a pussy not bringing shit up? No, I bring it up. But even when I bring it up, things like, for example, the one wheel. I never even had a chance to say no.

It just happened. How much was the one wheel? How much is the one wheel? I know. Like in total? or like it was like 3,700. That's not that bad.

You have your hobbies. People spend more on stupid Legos or something. I have money to budget. I'm responsible. No, and before this, before this, for years before this, what I fixed my shit, you guys are literally trying to move through the next step

and you're spending 37, $1,00 on one wheel? I already had two. And we were perfectly fine sharing. What are you then? I already had. Why did she do that? Why'd she do this? Shut the fuck.

I don't even want to hear it. Why did she do this? Okay, you don't have to be. Oh, there she is. Come on. She can't listen. I want to get it. Oh my gosh, it was a bonding thing.

Bonding? Bonding? Bonding? Bonding. No, because it's a good, like, hobby that we knew outdoors. He had two. You are two people. Shh.

I really, I really want one for myself. Wait, he had two. I really wanted a one wheel for myself. And one of them sucked, and I couldn't ride it. They had character. Or it couldn't support you. Which one? They had character.

The first. Huh? I've crashed them several times. They got some dings. They got some rough marks. They got some wear on them. But that doesn't make them any less capable of writing than the one you got. Okay.

To be fair, just to preface, I was like, okay, I really like this hobby that he's introduced me to. So I want one of my own because we were still early. That's more important than the next step, so. Because, again, that's what's holding back. At the time, we had only been together for. for like four months, so I didn't know the long haul. And you're at eight, so that's halfway through. No, nine.

And then we dated before that, but we weren't official because I was making sure I was doing the right thing this time. What? What does that mean? Like casually dating, but only seeing each other. No. No? What's the point?

Going on dates and getting to know each other. Ew. No. I'm kidding. I was like the first month. Okay, so it's been 10 months. Well, but I mean, not official. No, give a f-

about official. Who cares? Are we in middle school? I knew. You're dressed and styled like it, so I guess it makes sense. Sure. I'm sure it does for you. I mean, how much debt do you have?

Well, Matt, how much debt do you think you guys have as a household? As a household? Well, we recently got a car for me because mine was, it was done. and I believe right now that's about 21 21 no let Matt figure this out I want Matt to figure out what the household finances are the debt

and so from my side of things I know I have like 23,000 it's a car payment all right, it's a loan so the household combined what do you think it is because we're trying to make this a household a combined household

I'd say somewhere about equal, so maybe 20,000 on her end. Okay, which would bring us to... As a household. 43, maybe. And what do you think? Bitch.

As a household, you had to throw the bitch in there. Yeah, I'm sure you did. Do you feel good about that? Yeah, I'm glad you do. Okay, so maybe like... 30. Not a... No, 30.

30? Yeah. Oh my God. Like 30. With the car? What's this reaction, Matt? What is this? What are you saying?

I don't know, but I feel like it's going to get... My car's paid off, so like I don't think it's crazy. I'd like to know it's in those papers in your hands a little bit more. Well, I'll tell you what's in it. $82,569 to $93 a debt. You say you're not that bad? It's not that bad. It's not that bad.

It's not that bad. It's not my dad! $23,000. I'm not about as a car. You thought you had 30. Yeah, well. It's time to refresh your yard during spring backyard days

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Are you able to, you're not able to disagree with more than double. Like, that's not something that's disagreeable. Yeah, okay, but I thought some of it would fall off, to be honest. Like, I thought it would just like, I thought it would be long enough to fall off. Are you talking collections? Yeah. Okay, maybe there's some collections. So you're going to marry a woman that allows things to go to collections?

I was in a different time. Different. You're 26, did you? I wasn't when that happened. Okay, 25. Before that, I was on a seven-year-long relationship. Does she want a handshake? I don't know what she's looking for.

I made really bad decisions. But yes, yes. You just got a $3,700 one wheel while being $82,000 in bad debt. You used to make really bad decisions? You don't give a fuck about your relationship. First of all, I do. No, you're not trying to do anything to get it forward.

You're just trying to get yourself a one wheel because he didn't want to be on his rusty one. one wheel. I wanted my own too because in that, at that time, I didn't know if we would, I didn't know if we were going to like work out in the future. I try not to hold on things like that and just let things flow. But I was like, if we weren't together later, I want my own because. Then buy it after a separation. But I wanted it then. Well, no. So she prefers that over you guys getting married. That's not true. But you chose it and you purchased it, which puts you behind, which puts you further away from marriage.

so yes you do. And you don't stand up? I didn't have a chance to stand up with a one wheel. Why? What do you mean? It was my business. I was at work. And I got a text. And if I could find it, I would show you. But it's so far in our text message logs at this point.

But it went something like, hey, babe, I bought a one wheel. I dropped my phone. I was planting vegetables in the ground. I dropped my phone. Out of excitement. No. Yeah. No.

No. He was excited to ride one wheels with me. I was, and I am. Always am. That's how we pulled up to the office on our one wheels. But you're just buying it outright, especially on someone else's credit? Mm-mm. I would never.

I make the payments, though. I make the payments. It's like we're doing good. Like, I've got a house, well, I've got a house that I rent. But I've got a house. My car is paid off. I can afford to get my one wheel. Can you?

You're $83,000 of bad debt, and that's holding you back from marriage. How can you afford that? Fine. What did the household spend? Well, first, actually, what's your, what's your job? Well, before I came here or before. What's your job, Jordan?

When I called you guys or you called me. I never called you in my life. Yeah, but like when you guys called me and you were like, hey. Oh, she can't answer this question. Okay. Yes, I can. I understand why these guys.

conversations at home never go well. You know, if you could just answer the title of the job. There's a story to why. Did I ask for a story? I don't care if you did or not. Are you done? Can I talk? Thank you.

Zoom, Zoom. So I got laid off. Pretend like you're on one wheel. I got laid off. So you do not have a job? No, I have a job. What is your job? I got laid off and then the next week I got another job.

So I am a receptionist. I'm a receptionist. That's the answer. That's the answer. nothing else answered. Nothing else mattered. Yeah, because now I make a little bit more money. Who cares then about the what the, you're a receptionist.

Yeah. Well done. I'm proud of you. Thank you. Those poor customers. What do you make? I make 21 an hour. Okay.

In Arkansas, especially not in the major metro area of Little Rock. I'm sure that stretches actually decently far. What hits per paycheck cycle and what is that paycheck cycle? It's so new that I don't know exactly what it's going to be, but I estimate because does the insurance cost more for my paycheck, that it'll be about the same as what I made before. So probably like $11.50 to $1,200 a paycheck. Okay, so $2,400 per paycheck.

Okay, and you can justify spending a month's and a half worth of income on a one wheel? It's a hobby. And it feeds my soul, Caleb. How does that equal it being okay if it's a month's and a half worth of income? Well, I also doggs it on the side. So, like, I get extra income, but it's not consistent, so I don't count it. Well, can we count it? Like, I try not to because...

Well, what is, like, the monthly average for dogs for me? It varies because, like, I don't... It really varies. I don't know. Okay. It varies. It could be, like, 1,200. It could be 200.

And, Matt, what do you do for a living? I work at a botanical garden. I dig holes. He's a plant guy. Mm-hmm. Okay, what do you make digging holes? 1150, bi-weekly. Oh, shite.

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just feel free. So the household is 4,700. I mean, how we do it on 4,700, when we're spending an entire household's month of income on one wheels, honestly. I think we're doing great. Matt? It's been rocky. Where's the difference? Why are we very different sides of the coin when it comes to how the household is doing?

I guess I'm just more optimistic, and I just think it could be worse. It could be worse. Why does that all of a sudden make something good, though? That doesn't make any sense. It makes it better. No, does it? I will say this. I use it like I say it every time.

If you inject once a day versus three times a day, that doesn't make, even though it's better, good. That does not work. But it's still better. If the United States consists with one nuclear bomb instead of four, it doesn't make it good. But it makes it better. It does make it better. But how do, but you make it sound like it's good. Good for me.

I think we're doing great. The median household income is 70. $20,000 in Springdale, Arkansas. You guys aren't there. You're probably... I mean, Nat, you're at like 55. Yeah, we need to make some changes. But I'm just confused on what's so different.

She's optimistic. What would you say you? Okay, fine. How would you describe him? Um, conservative. He wants to like save, save, save. Save. And this is bad.

No, I wouldn't say it's bad. It's just like, we can't go do fun things or like... Not always. No. You can't spend a month and a half worth of income. I'm sorry, you can't. No one can do that. If I went to spend a month and a half worth of income, that would be insane.

I wanted to enjoy that hobby with him. He already had two. You absolute beast. And one of them sucked. It's like on its last leg. You weren't writing that one. You were writing a good one. And then that one started having problems.

Oh, for f***ing. It still runs fine. Huh? It still runs fine. He says. Well, I'm kind of trusting him right now because you seem like you twist things to make what you do acceptable. No.

Yeah. No, I don't. She has a very, I'm going to make it work mentality. Uh-huh, but yeah, nothing has ever worked. I mean, you thought you had 30,000 hours of debt as a household. Because I can make it work. I don't think it's not bad.

You never do. Okay, we know what comes in. What was spent last month? Did I do dog sitting last month? That's such a great question. A hundred bucks. Just about. A hundred bucks of dog sitting. is what I got.

Oh, no. That's just, I usually get the rest through like Venmo. Uh-huh. It was $100. Interesting. Interesting. What was spent last month? Probably like, see, I don't know, $2,500.

She's, okay. You're literally going to marry a person. You can't say that. Yes, I can. You can't. That's literally every driver. or in this state then? We don't listen to people

that look like you anymore. I don't know if you know this. You've lost all the power. What does that even mean? Are you, is it a woman thing? No, SJW thing. So you're sexist. That I said SJW.

Is that women? Well, I mean, I don't know. I don't know what SJW is. Social justice word. You like to talk over women all the time. I talk over everybody, including myself. You can't talk over yourself. Oh, yes, I do.

And that's why I flub so many words. No, that's just a stutter. It's just because you don't know how to speak. Stutter. I talk faster than I think. I don't know what I'm saying half the time. Well, then maybe you should stop and think for a minute. Go your...

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I can. I just did. What do you go back? And again, we don't listen to people like you anymore. We really don't. You guys have no power. You guys were like 0.5% of the population online. I don't even know what SGA is.

You're a performative. signaling weirdo. We already know that. Is that just because... Is that just because of the piercing and the color? And the color and the weird earrings that you made in a shed. No, actually, I purchased them from a museum.

Well, that's even worse. Because they look like they were made in a shed. That is as clear as day. Support small businesses. Don't be rude. Small businesses is someone in an addict. That's set up at a farmer's market. Yeah, exactly. Support small businesses. Okay. Yeah.

It's a lemonade stand version of earrings. Okay, so either way, these people, you're connecting yourself to one of them? Like you said, she's been doing a lot better. What? A lot better. Okay, you guys spend $5,000 when you brought in about $4,500. So that's a lot better. I don't want to know where we came from.

A lot better. She spent a month and a half of income on a one wheel. She's doing a lot better. She thinks you guys have 30. A month and a half of income? No, it wasn't. Of your income, you dumb. creature. Listen.

I thought we were joining incomes. Depending. You guys aren't even married, but potentially. Yeah, but you're talking about your income. So like, get your sad. Well, you wouldn't have bought it without him. Okay, fine. You spent basically a month's worth of household income. That is still insane, disgusting, stupid in every way whatsoever. It was worth it.

Was it? Yes. I looked at him and she's doing the classic, the person we hate most in this entire world thing. Well, she's happy on it, but it is definitely. definitely a stark reminder that we could have used that money. Do you not like going on one wheel rides with me? Oh, I love it. You had two.

You absolute beast. He had to. That's besides the point. So is it a combined income or not? Is it? Wanted to be. Is it a combined income or not? Is it?

Is it? Yes. Is it? It is. Then it's the combined one wheels too. Then he had two. One's yours. There you go.

You. At four months. Oh my gosh. You can't just act like at four months. you're going to marry someone. She's can... You're acting like riding someone's one wheel

as a marriage. If I touch your one wheel after this, did I fucking, like, dittle you? True, true. Like, what is happening? Like, I'm... How did the conversations go in this household around finances?

Please tell me in extensive detail. So... I want, I want. No, no, no, no, no. That's bullshit. Sometimes does it anyway. That is... Okay.

All right. Well, hmm, what about Sevenbroome? Hmm? Well, well, when I have the money in my account to, uh... If it's joint income, do we have the money in our account? I say yes, but then you're like, why did we do that? That's not how we set up our finances, though. We had a joint account for joint bills, but then separate accounts for personal income.

Is it joint income or not joint income? It's joint for the bills. And the things that we both... Both have to pay. That sounds different to me. All right. Are you going to open up a bank account with someone like just a roommate? No.

Is how the conversations go around finances again? So she says I want, I want, I want. You say no, no, no. And then what? Tends to happen anyway. So you're domineering and you get what you want no matter what. And yeah, you probably pretend like you're a victim still in the end. Okay, I have never had victim mentality

First and foremost, you have I'm sure, I've never had victim mentality Mm-hmm I am literally like, I say I'm like a crack addict who doesn't do crack Because I can always make things work You look like you've done No, I don't

I have all my teeth I literally like, I don't know, I'm not picking scabs Close your mouth You look like you could be toothless I used to have an underbite, you Oh, that's why. Yeah. That doesn't make me feel sympathy for saying that.

I'm sorry. You said it like you wanted me to feel bad. That's not how the conversations go. Besides the point. How do the conversations go? It's always we're going to, I'm going to make it work. Who says it? She says it.

I always make it work. Well, no. You thought you had 30,000 hours that you spent more than you made. No. We get hit with our bills naturally every month. And then it's like, we have X amount of money, but maybe it's a little under. And she's like, I'm going to make it work. Now, we're going to make it work.

I'm going to make it work. I do make it work. You spent $500 more than you guys brought in last month. Well, I probably brought in $500 from somewhere else in cash. No. No, I'm pretty sure I did. No. Well, I'm pretty sure I did.

No. If I go back and look, I made a lot of money. No. Also, she just doesn't live in reality. How can we work with someone who doesn't live in reality? I do live in reality. But you try to make it seem like reality is much more harsh than it is. It's not.

What do you mean? I just have your nose. numbers on paper done by an accountant. A woman accountant, by the way, so it can't even be sexist. So I don't want to hear that. Yeah, it's just the way you talk over people, specifically women. And you always talk down on women. Don't even play with me.

Pause for a second. I've been talking over you more than him, but because you've been the obnoxious cunt and he hasn't been. So if he was being in the end. I hope that makes you feel better. I feel like you project your aggression onto your guests. Like, is there something going on? Are you okay?

Yeah, I have an annoying borg in front of me. It's, it's, it's very obnoxious. No, noxious. So yes, I'm dealing with it. If he was the annoying one, I would be talking in front of him. I roast guys all the time. Again, she has the victim mentality. I can already hear it. You got Reddit written all over you. I don't even use Reddit.

That's what they all say. It's written all over you. I don't use Reddit. You were born into it, like the Matrix. Um, no. I've never used Reddit. I've never posted on Reddit. Nothing.

It's an example of just how you act. You're that brained. I think my brain is beautiful. We upload more women than. than men because we get more women applicants by far. Don't get me wrong. So yes, you probably see more examples there. But every time a guy's on the show,

which are typically Wednesdays, I obliterate them the same exact way. The reason you probably have more women is because women are not afraid of you. So they come on here. Why would I want someone afraid? What are you talking about? You're using that like...

You yell at people. And maybe guys are like, oh, I'm an alpha. I'm not going to go on there and have some fucking nerd. Maybe stop being a pussy and apply to come on the show. I don't know. Yeah, applying come on the show. We need more than on the top

So I don't know What I don't know what point you're trying to get to You're the annoying one in this conversation That is why I am ripping you Maybe we just don't match Match, huh? As you should And he hasn't been annoying

Okay Whatever Well he probably needs someone to stand up to you for the first time Because he never has Because he's probably a little bit of a pussy I am getting a little cuck vibes Go f*** yourself Well, okay

There's some balls If there's something meant to be said, it'll be said. What? But I'm not going to talk over someone who needs to talk over other people. But the thing is big guy. You say no, she does it anyway. So you're a pushover. All right.

Sometimes. I feel like I do communicate, though. I feel like, okay. Okay, you communicate by saying you're doing something, then you do it, regardless of what he thinks. I tell him, and he's like, do we have the money for it? And I'm like, yeah, I think we have the money for it. I think we'll be fine. Here's a deal.

You cuck him and you actually smell like a Halloween store somehow. It's very weird. It's too much chocolate body butter. It smells like spirit of Halloween in here. So usually what happens is whenever I tell her no, she goes to somewhere else. So instead of cucking me, she's cooking. Wait, when dad says no, she goes to ask mom, who is someone else? Who is someone else?

I don't. Who are you going and asking? What are you referring to? What are you referring to? Well, for example, we were out and about. the impulse gratification hit her, and she just wanted to get an HTO drink so bad. Huh?

Her mom was in the neighborhood. HTO? It's some tea place. It's tea. You have one here. I'm pretty sure. That's the chain. It's not that good.

I like it sometimes. H2O? When I'm not filling seven brew, I'll get an HTO. I thought you said he was the seven brew guy. He is, but if he goes and get it. So you do it together. So shut the fuck.

Yeah, but like. Nah. He's saying like I go and ask other people. But H.T. It's literally like $3. Okay, so yeah, what was this Ask Other People thing? She calls her mom, who is so conveniently in the neighborhood, and she's like... Mom?

She was at the time. Can I have some money for H-T-O? You're asking your mother for H-T-O money at 26? Yes. You're a joke, and you want to sit here and say that you guys are doing well, and you're ready to move to the next step. You're a joke. You're asking your mother for money to get T.

What the fuck is wrong with you? Honestly, I don't think a lot. I think I'm very emotional. aware. I think we're not that bad off. And I don't think asking to borrow money here and there when you pay it back is like a big problem. Get back from your family to get bullshit, though. Is that even for like a life necessity?

And you guys make okay money. That was a very rare occasion. I usually ask her for help whenever we need groceries. So clearly he finds it very important. That's because he doesn't like asking for help. You shouldn't need to ask for help. You guys make okay money in a cheap area. No, you're not a medium income yet for the area. But you guys are also like 25. And if we're going to be independent as a couple with like potentially a kid, pets.

Eventually. Eventually. It can't even be a part of the conversation right now, guys. Eventually. Like I'm saying when I'm like 28 or 29. Why her? I'm pretty amazing, first and foremost. So she is pretty amazing.

however, everything except the finances. Or how she communicates. How can you guys have serious conversation? You communicate. You don't allow communication back. She talks herself. False, false. He shuts down.

Well, she talks herself and do a circle until she admits what's wrong. And then the instant gratification comes back and replants the seed and the cycle restarts. Always thinking about planting seeds, aren't you? Everything's a plant. Your plant's leaking all over the course. carpet. Yeah, that was an issue this morning. They're overwatered. They're probably going to die. It's not going to die. It's been with us for years.

Thank you. His name is Henry. He's okay. I just named him now. But he is struggling this morning. It is true. What about those fish in that tank? Ah, fish. Thank you. Because it killed the other ones. No, the other ones jumped because they're guppies and they jump, but all the levels on the water are perfectly fine.

We do testing. Thank you. He didn't feed them. I like the shrimp, though. He was fed on Monday. He's getting fed today. You guys are weird. What are you talking about? What are you on about? Living things. Talking about. Okay, so she says you shut down. I told you you, you cuck him.

In conversations, you cuck him. No. You get cucked. And you allow yourself to be cucked. You get off on it? No. And she doesn't. Well, she said she does.

No, I didn't. You said he shuts down because you go out. He shut down. I don't cuck him. You cuck him. No. You said that, Caleb. You're getting cucked, big guy.

Why do you shut down? Because whenever you hit a wall and she's running in circles, it's like, you just let her run in circles until she gets tired. Yeah, you must be miserable to have conversations with. No. I'm just buzzing, buzzing, buzzing, buzzing. I would say that it's where he says, like, I'm running in circles. I'm not running in circles. I'm just trying to make sure that he understands what I'm communicating because I'm, if you say one thing and someone hears another thing, then it's like, there's a miscommunication there.

But then he doesn't want me to do that because he thinks I'm reiterating and reiterating and I don't think I'm reiterating. So how often does he go to seven brew then? Multiple times a week. Not anymore. Yes, we have. How many times do we go this month?

Enough to get at least two free drinks. So at least ten. How many times have you gone to seven brew this month? We. We're not always going together. I've had Severn Brew, I think twice this month. Okay, what about when I bring it to you at work? Because you're like, yeah, I can use.

I could use a coffee. And then you're like, I show up with a coffee. There are no objections there. But are you going to return it and get the money back? No, you're just happy I brought you one. You don't object, so it's fine. You think she ever spends behind your back? Yes, I know she does.

The one wheel. That was with love in hopes that we could do our hobby together. Oh, what a cope. No, it was not. Fuck you, love. I thought he would be excited so that we could do the hobby together. There was already one. What is wrong with her on this?

But the other one was shitty. You'll understand. You'll understand. How would I ever understand? You just got to try one. I've been on one. No, I don't think you have. I mean, I quickly got off it,

because I'm not good at it. You didn't try hard enough. Well, probably. I mean, what? You didn't try hard enough. She's broken. Imagine being able to do that with your girlfriend and go like on trails. She does in one wheel.

But if she did, being able to do that and like go and save on gas, save on gas. We don't live in that kind of area yet. So it was a worth it purchase to me. Okay. So any more spending behind your back? Do you think happens? Yeah, there's been several like bakery purchases and sometimes it is with like good intent in heart to bring me some food or something throughout the day. But then for me, in my point of view, I am as frugal as it gets.

Like aside from Seven Brew, like I take those things. Like Seven Brew is like my thing. All right. Okay, what about when you're like, let's go. Yeah, whenever we have a little bit of money to spend, that's left over from past month's expenses. But I feel that way when I go to the bakery and bring new stuff. That's what I feel like it's coming from.

So what's the difference? But what's the difference? Guys, he spent $400 going out to eat. Most ladies' bullshit could be video games, could be magic the gathering. You guys look like magic of the gathering type of people. Not anymore. House fire took it all. There we go.

Okay, good. I'm kidding. That sucks. Miss Lane is bullshit, though. $1,342. Our grocery chips trips are like... No, they're not miscellaneous bullshit.

Walmart? No, that's unknown usually. That's 1,120. This is confirmed bullshit. And then confirmed going out to eat that it's $1,742. And confirmed bullshit. With your guys' income that's coming in,

especially now that you have a higher income, you did it before, you're spending 40%. 40% on Bullshit! And you want to move the relationship along? good luck no you want bullshit you want instant gratification you want to f*** around you want to hide shit behind each other's back and you want to not be able to communicate and you want to cuck him i don't cook him and i don't want to cuck him don't be so fattatic like you make everything out to be horrible it's not what did you say 40% is not okay it was a more

you tit it was it was a tit first and foremost and not even a good looking one second of all says the cow mooh i don't give up i think i think I think it's cute. I can take it out whenever I want and look normal. But that doesn't affect like anything. Okay, here. I don't think it's that bad because that last- 40%! Last month! Oh my God. Shut up.

What is so special about last month? Every month is special. It was his birthday and so we spent more on going out to eat and stuff because- Birthday? F-you, you're trying to get to marriage. I'm just saying it was not a typical spending month for us. spent more because we were going out with friends, family, and all that for birthday. It's a disgusting joke. And by the way, there's unique things every single month.

You're going to have a birthday month. There's going to be a Christmas month. There's going to be a holiday month. There's going to be a holiday month. There's going to be an emergency month. He had surgery this year, right? There's going to be a surgery month. There are things that always happen.

There is no such thing as a typical month. If you do not allow yourself the budget, if you do not have any boundaries on anything, if you do not hold yourself account. Shut you fuck up. You don't try. You don't know what the word try is. Yes, I do. People like you have never tried anything in their life.

I lost a lot of weight. Well, doesn't look like it. Yeah, well, we weigh about the same. So how much you weigh? Like 2.15. And how tall are you? 510.

Okay, one, you're an inch taller, so that weight distributes more. That's a cope. Two, I'm 59. Three, I'm 210. Does an inch usually make a difference to you? Well, you also don't have tits, so different. Huh? You don't have tits, different.

Says who? Are you proud of that? Yes, I'm 5-9 and 5 pounds. I bet you feel good about that. Feeling pretty good. I'm pretty good. Oh, pretty good. Yeah, have you ever tried to lose weight?

I'm down 20 pounds. What do you think trying to lose weight is? I'm proud of you, but you should try harder. 20 pounds is crazy. At least the first noise out of my mouth is in moo when I wake up. It's not. Inches and pounds don't affect our finances, though. Oh, they do when she eats like a pig.

I don't. She can't. Protein shakes are expensive. She can't actually eat like a pig. I know you anymore. I literally can't, like, eat like a pig. You're quiet. Do you have anything else to say?

Just observing you. I'm just letting you go. Just like him, he lets you run in circles until you get tired, kind of like a pig. Well, you should try running in circles. Maybe you lose more than 20 pounds. That's crazy. Are we hating weight loss? Just hating that you're not trying harder.

You say, I don't know how to try. Well, you don't know how to try. I do know how to try. Just not at the right thing, maybe. Only one thing. You can look at everything. I've tried to try. I've tried to grow a business.

Oh, success. Try to grow a top 10 channel on YouTube. Oh, I did. Success. I'm also in college. I'm in college. Yeah, you look like a permanent college student. We all know that.

No, I just started because I didn't want to waste money on student loans when I didn't know what I wanted to do. Go to college day, protest tonight and cancel people on TikTok on the weekend. We know you. No, you don't. If I were to read a book by its cover, yours is a sock. You know how much? What? Did you do?

That was the most middle school thing I've ever heard in my life. Well. Is that what they teach in Kansas? wherever you're from. No, this is how I feel. You're judgy. Yes, when there's a... Of course.

Have you heard me judge him not that much? No, not that much in 49 minutes. Because he's not horrendous. Because he doesn't do anything crazy with his appearance. Well, no. Come on. He looks like he is trapped in a gaming dungeon. No, he doesn't.

But since he's... He's beautiful. I love him. But since he is not being a piece of shit, I'm not going on him. I'm not being a piece of shit. Uh... Yeah. I'm not being a piece of shit.

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Let's get back to the episode. Don't even. Come on, dude. He fertilizes his plans with you. He fertilizes something. Oh. And you're going to talk about your little dungeon play or whatever you do. What?

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

one size absolutely does not fit all. Get a quote or find an agent today at thehartford.com slash small business. Yeah, I'm a little degenerate. We love a gooner degenerate. What the fuck are we talking about? It's not, but in a different way. You know how hard she tries? She tries so she tries so hard she got banned from Klarna.

I didn't... Heard about that. Oh. She's a real tryhard. That was a long time ago. Okay. You're banned from Klarna. I'm only banned until I pay it off.

Dude, you're banned from... Clarnah, that's insane. If that's even a status associated with someone, that's insane. That's not banned. It's just, hey, pay this, and then you can use it again. I found out about the Klarna thing when she got the One Mule, because I asked her if she could just use the financing option that's the future motion the company uses.

And she was like, I'm banned from Karnah. I didn't say banned. I just said I can't use it. I'm not banned. I'm not banned. I need you talking circles. Please keep going. It's not a circle.

Uh-huh. No, the weight loss is good. Where were you? Where did you start? 360. That's pretty big. Well, a big loss and really big to start. Yeah.

Did you meet her at that level? Mm-hmm. Oh, that's good. Yeah, right? Yeah, yeah, yeah. I met her at the, like, where she's now. And I do try, okay? I can build good habits.

What? It's just not in here. I changed my whole life. Oh, Zempeg? No. What? That's not a bad thing if you do. It's a tool.

No, no. I had gastropresis. Ah, okay. Well, another tool. But, yeah. But tools aren't bad. But before that, I still, like, I changed my whole diet and my whole life. But tools don't necessarily change behavior.

That's the thing. Because many people, a lot of the gastro surgeries, you know, the vast majority eventually rebound is the thing. Because it's a tool that can help you get somewhere, just like consolidation can help your bankruptcy can help here. But it doesn't change the behavior. It means you could end up being a fath again. Well, even though I did change my behavior a year prior to that, I didn't find out until, because I did like a weight management or weight loss program to change, like, my whole lifestyle to see if I could lose it myself. and then they did like test and they saw that my stomach actually didn't work.

I gother-preasus. Like my food wouldn't move. So then they had to take off the part that wasn't working. What do you guys think your Hammer Financial score is as a household? Zero to 10. Zero being the worst. Where is 10 being the best? Where do we think we are, guys?

Ladies first. No. You first. Wow, okay. Because he's wrong. Okay. Yes. You definitely seem like the person.

person that is right. He was closer to the debt number. I've been in therapy for eight years. I'm probably right. You're in an enablement therapy, I can tell. I'm not. Again, we know people like you. You are the worst among our civilization.

You are an enablement therapy. You're not having a therapy therapist that actually helps you. Wrong. You ask for a square out of ten. Yeah. Zero to ten. Zero being the worst, ten being the best. Three or four.

Seven. Oh, she's fucking. Oh, she's so. Could be homeless. We're not... I have money in my retirement. She's so fucking done. She's so, she is so stupid.

What is wrong? Why are you doing? What is happening? What is wrong with you? Oh, how, oh my goodness. Having your little dramatic attack? It's a dramatic attack of just look at you. How can you even say a seven?

Seven would never come close to being on this show. What the fuck wrong with you? Nothing. What? Yeah, your therapy is, your therapy is not working because you have no self-reflection. It's working. Objectively not. If you watch your Hammer financial score, get it at Calebhammer.com.

See where you're saying to the world of finances. Where you need to improve, where you're already doing well, what you need to do to improve. It is free. Just takes a few minutes. So check it out. And if you don't want to be like a guest who ends up on the show, make sure you download the dollar-wise budgeting an app. It is the app that powers this show.

Chains is tens of thousands of people's lives out there who are subscribed to it. You can take the free trial. New Features launch every single month. See if you like it. And if you do, sign up for the interview version because that saves you a lot of money. and when you do, I will personally sign my budget friend

the cookbook and mail it directly to you. Can I have that? So check that out, dollarwise. Dot app. I don't want to tempt you with more food.

Now I lost weight. I didn't fuck at that. You did one thing. I'm very proud of you. Most of us accomplished much more. At least I go to therapy. A lot of people don't even try. Yeah, but you're going to enablement therapy.

I'm not. Listen to how you speak. I used to think like I couldn't even work a full-time job because my anxiety was so bad. But look at me now. I'm a full-time student and a full-time employee. getting more than 40 hours a week at some points.

So. Oh, she's doing what everyone else does in college. I'm really proud of her. You should, like, really pat her on the back. Some people don't do any of that shit. You're right. Okay, you're slightly better than the worst among us, but you're pretty much there. Okay.

ISPC. What's this? Whose is it? Technically not mine, but I'm the co-signer. Oh, so it's on yours. So you're a co-signer. Do you have to pay for it or does the X, is this a water system? He's paying for it now.

Now? Yeah, he wasn't paying for it for many months. So it's your credit. Yeah, there you go. One, two, three, four, five in fact, this year so far. Which fakes your credit. Well, it was the first place, so. $12,000.

$12,000. What the fuck? How much? It was originally like. Colton, you got a water system, right? How much was that? $6,000. What the fuck did you get?

It was like the water system that softened your water and then it was also like a reverse osmosis. Girl, you make $2,400 a month. What the fucking doing? And that is high. you. You were making less. Again, this is what you're attaching yourself to. Look at that line. That's wild. I've never seen anything like that.

What are you doing? Are you just down here all the time? I don't know. You're just like, you're gooning at that computer all doing. He's always looking at the dirt. You have an incredible line right here. Do that again? I'm not going to do anything you say. That's right. He's just in the dirt all the time. I respect them. I respect them. If you would like to repot that later, we would appreciate it. He needs a bigger pop. It needs a bigger pop. We just don't have one.

I'm up for hire. Huh? I'm up for hire. You're up for her? Higher. Higher? Yeah, a job. Take care of your plants.

He'll be your plant guy. So, this is brutally expensive. What's the interest rate on this? I don't know. It was 119 days late. Mm-hmm. I don't know. I literally don't know anything about that.

It went up so much. It's 113. Listen, I messaged him. That little puss boy. I messaged him and I was like, this beast. I literally was like, hey, Union figure out how to get my freaking name off of that because it's not mine and I don't live there.

You co-signed. It's not up to him to get the name off. Here's a deal. Okay. Here's a deal. No ring on the finger that's going to kill the credit. My credit. Well, it wouldn't. A ring on the finger wouldn't kill your credit. But all the other debts. No, what it could do is if you guys ever get assets together, depending on the laws in Missouri.

Right? Arkansas. Arkansas. Yeah, this is one of those. Yeah, you guys live where boogie lives. That's right. I don't even know who that is. Well, look outside.

Trust me, you'll see them. I'm not going to want. I really don't know how, like, I don't know how it would fuck the marriage. I really don't. I don't. Okay. Yeah, if there are assets owned and you die, he would have to settle your debts oftentimes to get access to the assets.

I don't plan on dying, so I think we're fine. Well, believe it or not, that's not usually how that works. Mm-hmm. Why can't you follow instructions? I did. He has ADHD. He has worked... I swear.

This show obviously attracts the worst or the worst. Um, no. There's been way worse, okay? I'm not making all the excuses under the sun. You even reminded him in the green room. What? To mute his phone. Colton's sane.

Uh, I turn... Why would you... Can I have some advice? You say, don't put a ring finger on it until all this is taken care of, right? I just advise not to put a finger on that ring. A finger on that ring. A finger on the ring? ring.

A ring on that finger. May I just advise that? Nothing's happening until things get fixed. May I just suggest that nothing happens? You can suggest? Your opinions are not that valid, I don't feel like. Not that valid? No.

They don't really matter. And why are you here? Like opinions on our relationship. Well, that's everything right now is your relationship. We're here to get help. Big bag of shh With your name on it Don't shush me

Interesting So the water system What? What's going to happen on the car ride home now No cucking for him tonight Bussies We're going to go to Buckees

Of course you are You're going to blow a bunch of money on Buckeys That's great What's the minimumity payment on here Usually I think it was like 100 And

I want to say 150 maybe. So 150, and I'm not going to mark it down as a minimum the payment you have to make. Now, why was he late

and why did he restart? We split up and he wasn't making payments on the thing. I don't know. I'm going to be honest. What if he stops again? I don't know.

I'm not paying it. I don't live there. It's not there. It's on my house. But it's not my house. It doesn't matter. It's your creditor. It affects everything

you do in the future debt-wise. I don't know. I don't know. He quit paying it. And I don't know why. He was like depressed or something. I got him into therapy. And we ended up splitting up in like the last three to four months of our relationship or if you could call it that. I was living out of my car until I got into my next apartment. So. Because I didn't want to be around him. This means literally nothing. You're not getting a sob story. And I don't give a fuck. I don't know why he's quit paying it. It doesn't matter what if he stops again was the question. Well, I'm not paying it. That's not my water system. It literally is, actually, legally. Well, I can't go get it.

I can't just go take it out of the house. No, but you owe. You owe. I'm not paying that. It's not mine. I don't want to pay on it. This is, again, what you are selecting. This mature creature, this very mature creature in front of me,

is what you're selecting to make all of life choices with in the future. She's not all that. She's not her past mistakes. What? No. saying right now she will not pay for it a debt that she would owe on that's not her past that's her future well i can cross that bridge when i get there well you're literally saying you would not do it now and i don't know if the bridge could hold you that you're one to talk we're like a five pound

difference calm down yeah with one inch as well you can use a couple more i'm sure one inch is huge right my guy right right right that's unfortunate it's average we love an average Why do you owe money to your grandma? That's not average. I got into an apartment that I thought I could afford and I couldn't. She can't do anything. She can't do anything.

$8,000, by the way, is a lot of money. It's a lot of money. How much did you not afford? That's crazy. $8,000 isn't a month of rent. It was like... How many months of rent? Where did you pay?

Why would you pay in rent? I was paying rent. But it was like... What's the struggle? There was like... I was falling. behind because it was so expensive. How much? Because $8,000 is crazy. Okay, so there was a lot of things like this apartment. Oh, you bailed in your lease? Well, that's why. Why'd you bail?

Because I couldn't afford to live there anymore. What was your rent? $1,400. How did you possibly even sign up for that if you were making even less than you make now? 1400, f you. That's insanity. That was for a one bedroom. Okay. I don't care. I agree. You're stupid for signing up for that. Well, it was the only place that had that. It was the only place that would approve me with a low, like, deposit. Well, then, I didn't have a lot of money. Then why are you okay with fucking up your credit even more in the future? Because that's going to limit your opportunities.

Just like that did. And then you got fucked. What's going to limit my opportunities? Oh, my gosh. Your credit score getting worse. If this dude doesn't pay and then you don't pay. Like I said, I'll cross that bridge when I get there. Okay, you're obsessed with this bridge.

You already told me you would not pay. I don't want to pay. And as of right now, I wouldn't pay. Well, there you go. That obviously, your credit fucked you with this apartment. then you got into a bad apartment you couldn't even afford, which I don't even know why you'd sign it in the end. It had a little yard and I needed a yard for my pets.

No. Yes. No. Yes. No. Yes. I've raised dog in an apartment. Two, two apartments.

One condo, one apartment, no yard. Go for walks. One of them is terrified of going on walks. I literally have tried to desensitize him. He's just a freaking crackhead. I don't know. Like putting a harness on him, he freaks out. Oh my gosh.

Then you obviously should not have. gotten that dog. Because you can't afford to take care of it. I can. No? No. Objectively, no. Okay, is there an agreed upon minimum to payment with grammar or how does this work?

No, it's like... Yeah, we set it in our budget. Budget. You spent 500 more than you made last month. What budget? The one we tried to stick to? Once the year starts, 2026, we have it set up to put away 150 a month.

Okay. They want us to put it into like a savings account instead of paying it back. And then once we have that amount saved. It's such an enablement piece of shit mentality. I get they're doing it out of a place of love, but it's not good. You should pay them back. Okay. What is this?

Okay. To someone's dad, 4,275. Why? Well, 675 for moving. $1,400 for dental work. Okay. Wait, $2,200 for the one wheel? That's now 1900.

You owe on this one wheel. Yeah, I'm paying the payments right now. What a joke. What a f***o. To your father? You borrowed money from your father for the one wheel. No, I don't know. He just financed for me and I pay the payments.

What? What's your minimum fee payment? 280. And then are you going to roll that $2.80 into the rest of those debts from the dental and moving? That's the plan, yes. Oh, you are a beast. Well, I'm getting extra pay right now, so I was actually going to pay it off early. Why would he even do that for you?

Because it's so enabling such bad. decision making. Why would he even do that? Because he saw how much fun I was having. I'm going to call him in the post show. No, you're not. Yes. No.

Yeah. No. Oh, yes. No. Why? Why? I don't think he'll answer the phone. Well, we'll double.

Text him right now. Say, expect a call in 30 minutes. I don't... Call him. We need to stop this enablement. Text him. He won't. There it is.

I'm sure he's disappointed in. He is not disappointed. I'm paying it. Uh-huh. Get the debt yourself then, bud. I'm paying it, though. If I wasn't, that's a different story. I'm not having him pay for it.

Listen, you guys don't have to budget. You're not part of budget. I'll put you guys through Master Your Money. It's our program that goes through mastering your debt, mastering your budgeting, mastering your investing, mastering your real estate, mastering your job opportunities. So we'll put you through that whole program.

And that also comes with the premium version of the dollar wise. budgeting app. You guys get that forever. Much appreciate it. Enjoying the community there. Thank you. I want that at Calebhammer.com, obviously. But yeah, I'll also get you guys the FizzCard, because obviously you guys can't manage death to save your life. Good.

Thank goodness. Better be managing it well. Yeah. So you texted him? Yeah. Good. We'll see what he says. Good. Now you're nervous. Yeah. I love my dad. Well, good. And I want him to love you too, but not by enabling. you.

This doesn't change the love. We need to get you on a better place and have your relationship not be abused. I don't think it's abused. Yes, you do. You abuse it. Yes, you do. I do not. Not intentionally in like a manipulative bad way, but you are doing it.

No, I'm not. She's not willing to take any piece of feedback, by the way. Like, I wasn't even gooning on her that time. And she's not even willing to accept it. I'm not taking advantage of that. If he doesn't agree with it, he tells me no. No, he's, he's thinking he's doing it. of love.

He loves his daughter. Let's keep going. What's just, okay, a list of collections. What the fuck are looking at? The fuck am I looking at? Okay, capital one in collections. You don't even know how much? World finance loan?

Huh? That's my legal name. Oh, I don't know why that was in there then. Something fine, a world finance loan. What the f***ing is this? Open in 2024 and that already went in collections. Wishing you could be there live for the big game, soaking up the atmosphere of the crowd.

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Actual prices may vary, limited time offer. It was for you and your ex. Okay, yeah. So he, when we were together, he went through, like, he tried to do this debt relief thing. Which can be good depending, but you have to change your behavior as you go through. But they told me to stop paying my debt so that they could settle. And then it went to collections. Yep.

But you have to go through the debt relief program. But they never told me that they weren't paying on mine. They added mine. But then they said they weren't paying on mine because he had them remove it. Post breakup? Yeah. Well, yeah. And they hadn't settled.

Well, that would be weird that would be a part of his debt relief program and process. Well, that's what I thought, but they said they would add it on just for us to have one payment. And so then it was already in collections. I was like, what do I do now? How much do you have in collections?

That's a great question. I don't know. No, you don't have numbers on here. This is a Google doc where we were just like, you know, Wakefield and Associates, is that legal? Um, how much is it? Oh, originally, Pamford Medical.

Yeah, it was radiology. I don't know what for, though. What? It was a medical thing. I don't know what it was for, though. How do you not know? Because I didn't, I don't know. I go to the doctor a lot.

So I don't remember what it was for. Was she testing her tard levels? Can you call and be like, hey, what is this for? It's already in collections. doesn't matter now. Well, yeah, it's for credit. And none of these are old. None of these are that old.

They're going to take forever to fall off. Credit Bureau Systems. 777. That's from 2024. Is that from 2024? Yeah, the Wakefield? Yes. Yes.

I thought Wakefield was from before that. No. Mid-Armer accounts. 387. Are these in collections or are these loans? Loans. Okay, so what the fuck is this? So Petlands.

I got a dog. I shouldn't have gone in. Oh my goodness. No, you shouldn't. You can't afford a dog to save your life. Is that the- $8,059 on this? Where the credit limit is $700.

$700.000. You owe $8,000 where the credit limit is $7,000. I didn't pay on it. Yeah, no, f***it. What's the minimum fee payment? I don't know. They closed it. Oh, it's cool.

So it's going to go to collections. You're okay with that? You're just going to let us sit there. I think it's already there. You're not going to do it. You, again, this? This? This?

Look at this. behavior. Look at her mindset. She doesn't give a f***. She still borrows from mom to go. I do give a fuck. Go to the tea place every day and you borrow mom for it. I don't go to a place every day. And you borrow from mom for it instead of actually taking care of your debt ever. I'm working on it.

No, you not. Work harder. You work harder. I do. Does he work harder? Didn't you? Not on his seven brew habits. As of lately.

How frequent is lately. this past month We have gone more in this past month than in a while, I feel like. So that's not true. No, you made your dad co-sign on that loan and you didn't pay it? You're a horrible person.

I didn't know how co-signing worked back then. It's your second time. How did you not learn by the same? No, that was my first time. Then your second thing, then you couldn't make the excuse for the other one when you co-sign on the water. No, what they would never tell you.

Why can you? Because I didn't know. Why do you have no? for any, any ability. I thought it was just for approval, not responsibility. You can't do anything unless someone sits you down and holds your hands. You're incapable of doing anything. So far, that's what your excuses have been, that you can't do anything.

No, I can do things. No, unless someone sits you down. Resources are you actually stupid? I didn't know where to look. Google! Everything is Google. Oh, you are, what is wrong with you? Nothing.

Your kid will die in her hands. That's false. No, she can't do anything. She'll be like, I don't know how her breastfeed, I'm going to give up. And that's it. She won't look it up. She won't ask anyone. She's just done.

If she can't figure out, she would just... My mom's a nurse, so like I know what to do. My gosh. So again, without someone holding your hand, you wouldn't be able to do it. Yes, I would. You are so broken. You wouldn't either. Guess I look things up, you idiot.

You idiot. I learned things all the time and I don't know. I have only started getting financially illiterated. You idiot. You are an idiot. He's a dick. Sometimes. Sometimes.

But not always. I just don't feel like, I feel like I'm not that bad. Oh, shut the fuck up. I do better than I did before. Shut the fuck up. Not opening any other things. Hey, you know what I'm doing right now?

You know what I'm doing right now? Huh? You know? Googling? You know what I'm doing right now? Googling. No, this is even better. You know what I'm, you know what I'm doing? I am Uber eating myself an expensive lunch

because it's in the budget because I can afford it. Because I didn't have got my life late. 820s like you are. Well, you're gonna f-your-pound weight loss, so... It's a salad, you got it. Well, depends on what's in the salad. That's kinda fucking stupid, I'll be honest.

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Uh, chicken? Fried or grilled? Grelled? Good for you. This is a Bose moment. Your 10 boring blind. walks from home until the beat drops in Bose clarity. And the baseline transforms boring into maybe the best part of your day.

Your life deserves music. Your music deserves Bose. Find your perfect product at Bose.com. Proud of you. A light dressing. Mushrooms. That sounds good. Don't pretend like you graze like your breed.

It doesn't sound that good. I love vegetables. My favorite snack is vegetables. Ask him. Ah, yes. A classic snack. Vegetables. It is. Cucumbers. That's my favorite. Celery. There we go. Those are actual things. They're so good.

And does he hold you a carrot out like this for you to... No. And your mating call doesn't work on me, so don't awake. Mating call? Yeah. I'll do that again. No. Fits you better. Please repeat what she just did like ten times.

a row. Okay, we have an auto loan. So you've got your dad. Well done. That usually happens in Arkansas, right? Please. Disgusting. It's Arkansas. I'm not the one in Arkansas, dude. He's in Oklahoma. I've driven through. Calm down. Okay, we have an auto loan? Um, it's closed. So this is what you considered paid off as you just didn't. No, no, I have a paid off vehicle. So what is this? That was like the first car I ever financed on my own. Why is it? Why do you owe? Because it got totaled that I didn't have gap insurance. So it's also on your collection.

So all this is collections? Yeah. All that. You are a disaster. So you had a car repoed? No. It got totaled. The first one, he got two from that place. The first one, my ex at the time, or my ex now, but my past relationship, he totaled it.

And so I got another one. And then I got T-boned by a city truck, broke my collarbone, and it totaled the car. And I didn't have gap insurance. I'm all right. That wasn't my fault. I'm the one who drove through Dallas. Shut the fuck. You're taking it.

So seriously. Oh, you drove through Dallas. That's a big feat. Okay, that was scary. That's a big feat. A big, like, achievement. Is she? I have to ask this again.

I just, I rode trip to Dallas a few times these past couple, these past couple weeks, and it was honestly one of the easiest drives I've ever done in my life. No, it was awful last night. It was really bad.

I will say we almost got hit twice by people who were paying attention. They don't use blinkers. They cut you off. It's crazy. It's not difficult, though. It's defensive driving. No, Texas drivers are awful.

She hates that I defensively drive. No, I mean, when I was in Dallas, the first moment I went to Dallas the second time a couple weeks ago, the moment I got downtown, there were two individual moments separated by two minutes where someone was going the wrong way down to one way. It was very confusing, but it's not difficult. I just said, I'm not going to crash into you. No, but other people were like about to crash into me and I had nowhere to go. There were walls on the sides. No, I feel like you're just. No, for real.

It was bad. She hates that I'm a defensive driver. He's not a defensive driver. He's a scared driver. Were you driving or did he drive? I was driving. She drove, but... Okay, progress serve?

One progress serve? How much is it? 275. This one has a monthly payment. So it's open. Oh, that's like... Oh, this is just open in August. No, no, no.

It's a, no, but I'm saying it's a credit building thing that I had through my like pay portal. Why do we're doing credit building? If you are literally everything else, though, there's no point. Because I'm trying to build credit. I'm trying to do better things. Yeah, you won't take care of any collections. I don't really know how collections work. Oh my gosh.

Are you, she is actually a child. If she doesn't know how it works, she gives up. She will not do any kind of siblings of learning. She will not put in any effort. I'm literally in college, so fuck you. No, that is being handheld. Again, you're not willing to go out there and learn yourself. You're in class by someone else

being teaching you. They don't teach me. It's online. I have to do it. Yeah, you have a curriculum there. Again, you are not, if there is a struggle, you will not figure out how to do it unless you are not in a pampered situation where someone is holding your hands. What are you talking about? I don't

do a hundred deal with collections. I don't know what a... Financially, I am illiterate. Outside of that, I am not. But this part of finances is literally so easy. It takes five seconds online. I didn't know what collection. I I thought when it was in collections, it's in collections, and it's just staying there until it falls off. She is a broken individual. I don't know how you're going to deal with this.

He glued me back together. No? Yes, he did. Do you hear how you're talking? No. Yes. Okay, good one. So you didn't know what collections was?

Do you know what collections is? Yeah. Explain it to me. It's when you stop paying. No, but then what do you do with it? You pay it. But then your credits already... So like, does it even matter?

Yes. Collections getting off your credit dramatically improves your credit. Well, I didn't know that. You just pay it. You don't know anything because you're not willing to do anything. Yes, I am. No. I mean, just no.

Simply no. You can't say that. That is impossible. Now, as far as I understand it, via this note, that was just typed to me. The college as you're going to was being paid for by your last company before you got laid off. How the fuck are you going to do college now? I'm going to a resource center that will pay for individuals to get a four-year degree based on...

If they accept you, right? No, it's a diagnosis thing. Okay. And what are you going to be diagnosed with? PTSD. So, like, they pay for it. Okay, so it's something that... So it's impossible to actually analyze.

No. I mean, yeah, but you could tell them anything. No, but you have to have a provider that you've seen for an extended amount of time. Okay. Oh, maybe. But I could have utilized them years ago, I didn't know what I wanted to do. And will they pay for the whole thing? The only thing I'm not sure about is because the school I'm going to is technically out of state,

so I might have to switch to a local one. What the fuck? I'm sure they have a limited or own resources in a massive amount of applicants. So I don't know why you would be the magical one. They have a pretty good program. I mean, I've got approved for it before, but I didn't know what I wanted to do. Every program has a limited number of resources, though. Yeah, it's like, basically.

they'll pay for something that will get you into a career. So that might be a certification. Listen, I'll get you... No, it's like a four-year... I'll get you a certification to course career. As many people in the audience have used it

and they've improved their incomes, got new jobs, got great careers. So I'll get you one of those. I'll get you both one of those because you both are pretty low income, especially you, lower. But yeah, for the area, it might be okay, but whatever. Listen, with that last,

the credit building, you owe $275 and you have a $25 minimum fee payment. This is more collections, $11,000. for something, emergency, bariatric? Oh, this is you? That was my stomach. Surgery?

Oh. Okay, well, you owe that. Is that in collections? Yeah. 11,000 in collections. I don't know how you're going to deal with that. And you got a lot of shit done to you. Yeah, well, I had issues.

Well, yeah. Emergency's emergency. I'm not criticizing for that. Okay, synchrony. Who's this? Is that the care credit? Yeah, that's care credit. Yes.

Mm-hmm. That's technically him, but it was for my LASIC. Yeah. But it's on his credit. Yeah. But we pay more than the minimum every month. The minimum right now is like 109, but we pay like 150. No, the minimum is 109 and you paid 115.

Last month, but before that. You pay 115, by the way. Was late! So it didn't even matter because you had a $30 fee out of you. I don't know how it was late. You don't know anything. Because, no, seriously. I don't know how that was late because it's on ACH.

Hey, by the way, this takes 20 years to pay off. And that's if you actually pay it on time. So. That's with the minimum. Yeah, which is what you basically do. And you didn't, it doesn't even matter anyway. Because just shut the fuck up. When you pay slightly a couple more dollars in the minimum,

it didn't matter because you had a $30 fee because you pay it late. So I don't want to. What was this for again? LASIC. You didn't have to get LASIC. I was paying a lot in glasses because I can't You didn't have to get LASIC He now owes $34

$3,339 You had to get LASIC Come, I get glasses I get glasses I know how much glasses It's hard to do sports with the helmet With the full-faced helmet on Hard to do what?

Board sports Like sports with a full-faced helmet When you have glasses And then you break on And then it's like so much money Okay, yeah, you get a cheap pair. And I can't even wear a

very cheap pair. Very cheap pair meant just for the sports activities. Come on. I've been through this. Not specifically bored sports, but come on.

Come on. It was worth it. No, this is a cope. You are coping, you're making excuses. It was worth it. You wanted this. That's it.

And he had to put it on his credit. You've used him. I did not use him. Yes, actually. No. I didn't use him. Literally, yes.

It's there. What do you mean? I didn't do that. without his permission or anything. This was something we talked about. It doesn't have to be against his permission to use him. I didn't have any credit history at the time. I kept my credit history.

Guy. So. Oh, guy. You're being used in this relationship so far. Yes. No, don't project on to me just because... Project. Your girlfriend can't make as much money as you.

What are you talking about? This is a document. This is a document. But I'm not using him. That was something we talked about. That was something we talked about. You know you talked about it, but you used his credit. Credit, not him.

Yeah. Oh, my gosh. She's a mess. She's a mess. What am I looking at here? It was a credit card I had. Was? In collections?

No, but it's not, I don't know. It just says that the balance is due in full, but it doesn't all. It also doesn't say closed and there's no statements. Well, it'll go to collections soon, but we'll put it down. What is the credit card called? First Premier. You're a fucking mess. Okay, Empire Finance Loan.

Yeah, you sent us the worst screenshot we've ever seen in the history of this show so we don't know how to figure it out. What the fuck going on with this? Because you're incapable of anything. She can't even figure out how to take good screenshots. It wasn't a screenshot. It was a statement.

So she can't even look up how to do it. It was what I downloaded from them. Uh-huh. It was. Tell me what's going on, Empire Finance loan. I almost had it paid off, but when I got laid off, I renewed it because... You renewed it?

It's a draw loan. You can draw it over and over? Yeah. Like, renewed the whole thing. Well, yeah. How much is owed on it? It's like $700. And what's the minimum?

Oh, my God. Like 111. You're killing this, man. What do you think about all this so far? Because we have a lot to go through still. This is a f***ing mess. Wait, turn to the side of it again? No.

I think I look great. You're going to bully me. Well, then I don't have to bully you back. But you can't. There we go. There it is. Is it not? I don't have meth.

mouth. I had an underbite, you idiot. Whoa, why are we thrown around... Why are we throwing wrong words like... You throw around the word. This is a finance show, ladies and gentlemen,

we keep it clean here. Yeah, okay. You just lifted and showed your nipple, like, earlier. That's not clean. I don't know the last time you took a shower. This morning, and it takes a shower every morning, but also we're not talking about ancient history, lady.

I don't have meth... Women, always obsessed with the past in conversations. That's such a monogynistic thing of you to say. It was also just a joke. but I know people like you can't handle those. So what am I looking at here? Hospital, hospital, hospital. I'm sure you require a lot of diagnoses.

I don't know which hospital that is. You're moving it. I can't even see. Okay, you sent the screenshots. Let's see if you can read. Oh, that's because of... Oh, college taught her how to read. Because I do treatments at the hospital for depression.

Okay. Is that a debt? No, it's not... Why do I see a balance of $3,395? It's co-pays. Well, it says balance. So this is stacking up. balances?

Yeah. Won't they maybe not see you eventually? Um, if you don't ever pay? No. Yeah, maybe. Mm-mm. How do you know? Because I haven't paid in a long time.

Yeah, I know, but there's probably a limit. 3,395. She doesn't pay anything, by the way. She's, um... They never ask me for my cafe. Attach yourself to her. You're... They never asked me for my...

You're... And I don't get physical bills from them, so... Oh, she does ketamine. And now I understand what's going on. It's bravado. Now I'm... Now I understand. You are full.

It's bravado. Dude, how close to the hole are you? You... It's bravado. What hole? Apparently you can't find the right one ever, so tell me which one you're talking about. I can now. I can now.

Sometimes I like to... Google search. With a Google search. Yeah, I learned. I learned it. And sometimes I like to pretend like I'm lost and I go, whoa, wrong one! I'm kidding. That's a joke.

That's a very... Some weird hit piece YouTuber out there is going to see that and think that. I'm actually talking about. It's bravado and it's very helpful. It got me out of a really dark place. So I get it. You love the K-hole. But they also don't, they don't tell me what the co-pays are

because they don't always know what insurance is going to pay. What's this, world finance? That's his. I had a surgery back in May. What are you getting surgeries for? Double hernia I had for a couple years. What are you getting hernias for? Probably boards for.

Yeah. You're just one-wheeling? You guys, you aren't surfing or snowboarding. Well, I do pro one-wheel racing whenever I was younger. Don't give that look just because you don't have a skill like that. I'm talking. Yeah, but one, he is talking. Thank you.

And two, I don't think anyone's ever heard of pro one-wheel. Yeah, they have. It's on TV. So regardless. The sports channel. The sports channel. My favorite channel to tune into you for my evening news. It's on ESPN.

You don't watch TV. do you? Sports I do. It's on ESPN looking up. ESPN.com, ESPN plus, probably. But, uh... Okay, well, you got a balance of $728 with a minimum to be of 104.

I'm sorry, you got hurt. But after the surgery, we just... The... FMLA wasn't covering our bills, so... Had to take out something. This must be you, then. You got a 13% interest rate.

They tried to give us a 25. buy first. Yeah. Well, probably deserve it, but either way. And we got it down there. And then we're going to refinance. By stretching the term, probably? No, no.

They kept calling me and asking, like, because we sat outside the dealership for like over an hour discussing the vehicle and we ended up leaving because I was like, if you can't get the payment under 500 and you can't get the interest rate round. Payment. They stretched the term. No, they didn't. We left. There's no way.

And they kept calling us for weeks and weeks and weeks. And eventually they were like, okay, if we just run it under him, we can get the interest rate down to this. And the payment under five. I was able to trade in his vehicle. My car, which was not worth what it was. Minerably payment, $470 is insane for your guys' income.

Guys, what's this car worth? You owe $23,316. What do you think it's worth? I would say probably $21. 19. Yeah, private sale. So trade in probably 16, 15. I mean, it's not horrible.

No, but you are under. So we can't really do any kind of fun flexibility here. We kind of could. Honestly, one thing I might do is if it's worth 19. You could private sale it, borrow the difference, and then get a $10,000 car. Then you'll have like a $13,000, $14,000 debt to take care of instead of, instead of 23. That could help us.

Your minimum payment would be about the same. But this is too much car for your guys' income, especially with all your debt. It's not even close. Too much car. I've made worse car decisions, so I can't really say anything. I don't give what you've done. Why do I give a shit? Why do you make this all about you?

You. I'm talking about his car. You're such an obnoxious creature. I'm just saying, how do you deal with this? I can't really speak on that because I've made worse decisions. Congratulations, then don't speak. Try that for the first time in your life. Have you?

Yes. But not when I'm on my podcast. Proud of you. You're a gold star. Yeah, that's what I seek. It's her approval. But once I had more credit history built up, I was going to refinance for a lower payment. Dude, I don't know.

I might sell it. borrow three to pay it off and get a $10,000 car and a $10,000 loan. At least that way, you owe $13,000 bucks. Minimity payment will be about the same interest rate, about the same. That's something I might do. Might consider that because it's rough and you're going to be paying it off forever. This term has to be substantial. What is it?

Like 72 months, 84, whatever. Something like that. Nobody knows. Okay. That's great. Oh, I think it was 72. Yeah, that's horrendous. Should be no more than 32.

Or it's not affordable for you. That means you can't afford it. And you certainly can't afford this. Not even close. And it's already going underwater. One pay. What's this? Credit builder.

And other credit builder? Yeah, that was the credit builder. That we already saw? Yeah. Yeah, it's just in and out, in and out, in and out, in and out. Oh, wait. No, not at the restaurant. I mean, transferring.

But then all of a sudden we do get in here. You go in and get some bullshit. What do you get some bullshit for? What bullshit are we getting? What are we getting into bullshit? I don't know. $6.15 from Walmart. What are we getting?

I don't know. I cook at home a little. I know it didn't care. What are we getting? No, really. It could have been like a bag of potatoes. No, no, no, no, no, no, probably potato chips. Because you went in and you actually got something from Walmart that was likely groceries.

But at the same time, you also got something for $6.15. So you had like a second little purchase. What are we getting? I don't know. I don't know. It could have. I'm trying to think. I really don't know.

Cupid's lingerie. It's where I get my shaving cream. Seven brew, Tick-Tick shop. Okay. No more. Seven brew, seven brews illegal. Make our coffee at home. Listen, if it requires, you are going to let me talk for a second, creature.

Yeah, that's your beastly noises, we know. We don't need any more proof that you were hatched from an egg. We don't. Okay? We really don't. You're making your coffee at home. We can invest in some good beans and it will still be cheaper. If you guys are energy drink people or gatorade people like hydration drinks,

You are getting Gamer subs. You are making this for 35 cents a serving. Sevenby as good as... Here's the clock. I bought an espresso machine. A shitty little espresso machine. I'm doing my pitch. I'm doing my pitch. Quiet now.

Quiet now, lady. Here you go. Free samples. Do you guys like energy drinks? I do. Okay, there you go. You make your energy drinks at home now for 40 cents a serving. Get your free samples.

Link in the description below. Gamer subs. Dot Gamer sub. Type in code hammer to get that Caleb. And then get whatever flavor you want. 35 cents of serving. Gamersubs. It's very good.

There's also a hydration drink version if you're not a caffeine person. Check out. Yeah, they're very goody. I bought him an espresso machine. Okay. It's a little one. It's just like the little Mr. Coffee.

Uh-huh. You got an Xbox purchase in here in this checking account. Checking out. Wait, hold on. What? Yeah, we have Xbox, five below. Sushi. Guess who?

Five below. Bullshit, bullshit. Go in and getting some bullshit. Bullshit. Bullshit. Seven brew, seven brew. Bakery. Bowling.

Boba. Is this you guys spent so much of bullshit. The bowling was a family thing. Shut the fuck. I don't give a... Coffee, coffee, seven brews, coffee, seven brews, bullshit, bullshit, bullshit, endless, McDonald's, bullshit, bullshit.

Uh, Cox. Bullshit. Bullshit. Bullshit. Cocks got re-funded. Wendy's, Wendy's. Tocobos. Well, you want an explanation.

I'm giving you one. I don't want to hear you for the rest of my life. It was for internet. Quiet. When we moved. Quiet. Quiet. Boar's Nest, more 7 brew, bullshit, bullshit.

Venmo, Victoria's Secret. I needed new bars. No. Yes, I did. Mine ripped in the middle. No, I just don't want to hear about your tits. Bragg or not, tits. It's clothing.

Tits. Tropical smoothie. Victoria's Secret. Seven brew. Prestige man. Bullshit, bullshit, bullshit. Zelle. Door dash.

Bakery. Door dash. Door dash. Spring oaks. Spring Oaks Maybe it was very well Oh that was one Is it in cellular

Raising Cains bullshit Boar's Nest Spring Oaks Tropical smoothie Bullshit bullshit Bullshit 401K The one we bragged about

That we're so proud of I am Okay 7000 bucks Yeah okay Actually for your income No it's halfway decent At your age

And I'm transferring that Into a Roth IRAA Rolling over Yeah that Disaster. Let's see if we can budget this. Okay. Well, still brutal.

It's about fourth of your income, even though most of your debts don't even have minimum payments. And who knows if you have to add that $150 for the water system, if you get $4.202.2. What is your rent? It's like $4.75 each. We're combining this household, aren't we? So we have a side of room.

Okay, 950. Okay. So 950. Okay, gas, electric, utilities, internet, all that. How much for you, too? Well, I'm not sure because we just... Oh, my gosh. It's because we just moved, and so all the deposits are still...

Project or just gas! Probably, like, I would say that the electric will probably be 200. Split between three? Yeah. Okay? Internet. Gas? Internet's 120.

Split between three. Gas? Is there gas? Is there no gas? Probably like 50 a month? Yeah. Good, good, good, good. between three.

Okay. So for you guys, 247, phone bills. Oh, God. I hate this part. Well, let's give me a number.

Perhaps. Would be nice. Would like that. So my phone bill is 60. Good. And yours. How about let's get it out because I'm hungry?

Like 360. I'm not even going to ask. So it's just... 420. Lays it up. Gas, vroom, room, drive, drive. Maybe 60 a month. For me, I would say probably about the same. 120, car insurances.

Mine's 165. Mine's 110, 120. Say 120. 285. Necessary food, 600. Use the budget from the cookbook. Use the meal plan that is included in the budget class in the master your money series. TP fun. Anything else you guys need to survive? $150 should be good. Medical health here, other co-pays.

Um, I go... Yes, you do have co-pays. They're stacking up. What's our co-pays on a monthly basis? Come on. I think it's like 35 per therapy. So that's like 70 a month for that. And then this bravado is like, I pay for the medication. And that's, I want to say it's like 40 a month. 110. Is there a gym? Yes. How much? Like 28? it's for the black. Subscriptions, let's try 40. Pets, do they have pet insurance? So they don't right now.

I didn't know if I should get insurance on. Ages and health. One of them is 14. Okay, nope. The other one? Seven. Health? Good. Okay, I'll do that.

50 bucks. Pet food, how much? Well, I have another one. How much or what? Age and health? Um, I have... Age and health. He's like two or three.

And health? Good. Okay, 100. Pet food? That's not the only. Only more. Why didn't you? Why aren't you just giving me how many pets?

Ages and health, please. Please. Nine, good. Okay, probably not, but maybe. Three, good. And the other one's a lizard, so I don't know if you need to do it. No, 150. Pet food, how much?

Probably like 100. Okay, anything else that needs to be in your budget that I have not taken an account, please, now or never. Um, I really know. It's obviously pretty much over. We want to set aside the money for my grandparents. There's no way you don't have enough. No, good luck, but let's find out.

I'll see if there's anything left over. I would like to save, but. Ah? Ah? He wants to save. The answer to I want to save is, oh, maybe, $4,3.24.22. Listen, probably no savings, yeah, but let's see. You have an extra around to $400 bucks a month because you bring in a little extra with the pet sitting.

You're going to ramp that up the best you can. You might pick up a second job, by the way. $400 a month is pretty pretty. Pretty brutal on all this. Because at $82,569.99,0.92. Now we're going to minus the $12,442. Actually, hold on. I want to get rid of collections as well.

Okay, let's see. Okay, dad, $4,275,000, $8,000. $40,000 of debt to pay off. So that still takes eight years. Bankruptcy would be better, but that isn't clear family. That doesn't fix your car situation. So the reality is, you need to go bring. an extra $400 a month.

You need to go bring an extra $400 a month. Okay, so with that extra $1,200, just about of the $40,000. There we go. Pays it off in two and a half years. So those are the minimum

dollars that have to be coming in. Really, to make any progress on this. Bankruptcy is not going to really solve much. It might be able to do a consolidation maybe or debt thing. But again, that doesn't take your major debts or the funds and that aren't going to be forgiven

in any of these unless you get rid of of your car and your family dies. So, and we don't want any of that to happen. Okay? I would do the car trading thing that maybe brings us down to two years instead of two and a half. That helps.

Then after that, six-month emergency fund, and then we need to catch up in retirement for the household. You're doing okay for yourself, but once we do the combined household, we're dramatically behind. So we need to really start catching up on your end. What's your retirement?

Nothing. As far as I see. That's not true. Oh, well, what? I don't see it. Roth and 401. Well, Roth IRA, I'm assuming. But how much are in both?

I have seven kids. as of last And then 401K? I believe that's about 5,000 now. Okay. Good. Well, we still need to contribute

about 20% to keep us on track for retirement. So maybe I'd get a one-month emergency fund now. You need to go work, work, work, or get better jobs, take the course career certifications. Maybe college is on pause

for a second, I don't know. But we're doing that, doing the car trade, and then we're grinding this out and we're paying it off in two years, call it three years to get a fully funded emergency fund as well.

Then you guys are living a great life and you're not even 30 yet, so it's not bad. You'll be 29. That's not bad. That's a good life. That's a good future. You have to go bring in more money right now. And you have to follow the budget.

Use the dollar-wise budgeting app. Go through the master your money series. That's the plan. And think about the car trade-in situation. Gotcha. Not trading, but sell and borrow the difference. Okay. Hammer financial score.

Spending in a budget. Well, you over spent. Zero out of 10. Debt, there's collection, zero-to-10. Emergency fund, there's nothing zero-to-10. Retirement. This is the one thing we have going for us. So you are at 10 and five, right?

Right? Seven and five. Just seven and five. And then you're at what? It's like seven. Okay. My 20,000, 19,000 bucks for your income level or usually, what are we at? Like $65,000, $60,000 before taxes.

We're having the way. We'll double in seven years. Yeah. I mean, we're about, I'd say, a four out of ten. Real estate zero out of ten. So, fuck you two, seven out of ten. You're a one out of ten. Click that join button.

for the Hammer Financial Audit post show or the Caleb. Whatever, you know. It's a fun and extra 20 minutes of every single episode. Join Hammer and Elites. Three premium shows posted every single day, Monday through Friday. Make sure to get your hammer financial score. Calebhammer.com. See you in the post show.

Are the children done talking? Who are you talking to? Yo. If you would have gone up like two more levels, we would have had financial audits first this thing. To be fair, he doesn't say a lot normally anyway. He doesn't say a lot or do you not let him get a word? No, he doesn't really have a lot to say.

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