Financial Audit - I Kicked Off His B*tch Wife | Financial Audit

Episode Date: December 8, 2025

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But he wants two. Kids already have five. Is a religion a big part of y'all's life? Absolutely. Not religion. Not religion. We're just Christian. That is a religion.

No, it's not a religion because God is not a religion. Christianity sounds on non-nammational. It's your third marriage because you have four baby daddies and he's not one of them. So there's two out of wedlock. Very against your religion. It is. I'm not religious. Look, I try to step.

But we... Hold on, baby. Hold on, man. Let me talk. Well, wait, he said, shut up. Get the fuck out of my studio. Really? Yes, you're too annoying to have a conversation with.

I am not kidding. I want to make him a budget. Sit down. I hope it works. No, she's gone. My Black Friday site wide blowout is live. You can get 20% off everything in the store with code BF20. That is 20% off courses, merch, and even the brand new master of your money membership.

But don't wait too long. This sale ends at midnight on Friday to see. September 5th. Happy Black Friday and enjoy your savings. Hi, my name is Mia. I'm 37. Hi, my name is James. I'm 28 and we're from Hutto, Texas. And this is financial aid. Audit. Do we do it again? It's fine.

No, no, no, no. We got to fix that, bro. We're not doing student loans. We're not doing that kind of shit. I'm sorry. What I keep saying that? Just doing financial aid. It's like a grant. Okay. Let's do it again. Hutto. I'm glad you guys came over from Hutto. Financial audit. Okay, I got it. Yes, it is. I'm not doing it again. Why? We're already in it. We're in it.

Oh. We're in the conversation. Thanks for coming over for a widow. I really do appreciate that. What do you do for a living there? Let's start with you, Mia, because you're right in front of me. All right, awesome. So I actually work for a dental office, and I am a front desk. Uh-huh. So I check in and check in patients. Do you sound like this all the time?

I'm super bubbly if I don't take my medication like I'm high energy all day. No, like the throat cancer sound. No, I don't. That's because I smoke vapes. I recently started because he did. And so... Recently started. You picked up a bad habit? Well, I used to smoke cigarettes, Capri's son, you know, Capri's and everything because I... Sorry.

Capri, the little cute little dainty cigarettes. I just smoked a long time ago. They're trash. Then vapes, okay, whatever. Then vapes are, you know, the trend. So I vapeed. I stopped because I sing. And so it made my voice a little better.

And then he was vaping. Then I was like, give me some of yours. And I started to get it. Why would you want it at 37? What a habit. to pick up at 37. She vape before she knew me. And it helps me out sometimes.

We vape because we want to fucking vape, dog. That's how it goes. Well, I get it. You're not making it past the age of 30. And I'm not going to blow up. And I've seen the news and everything like that. But we did say that these were our last vapes. Because we're getting back.

Listen, no, because we do sing for the Lord. Yes, we do. And I cannot, my voice does not like this. Are you guys traveling Christian singers? Yes, I am. She used to be. Virtuous. No way you're singing.

Do you hear this? Yes. She really has a beautiful voice, bro. You rap for the Lord. I rap for the Lord. You know, Lecraibus. Can you give me a rap? My God pick me up and he saved me from the fire.

Pastintested trials. Yeah, he took me higher, how you meditate on his word. He is the guy that I serve. Jehovah Giro, Elohim. Yeah, where you heard, he is the truth in the life. He came to set me free. So pick up your cross and follow the king. You can't get to the Father's see you come to the light.

Not by power, not my might, but the spirit. He gave me something. And then I forgot the words. Yeah. Okay. Okay, wow. And then by all my music. Now, does that not scare people away from the church?

No, it doesn't because there's a whole community. La Cray and Bizzle started this. It's a huge community of Christian rap. When you look it up, they go hard. You think Little Wayne and all them, they sound just like them. What we do is we. Yes, that sounded just like Little Wayne. So watch this.

Cardi B. She had got money moves. I literally switched it up to godly moves. Are you getting a BBL? Yes, I am. I already got that, but I want a little enhance it. Did you really? I already got what I got.

Oh, for fuck. And it's natural. No, no. She's saying what she has is natural. She wants more. Yes. I'd say no. For the Lord.

Oh. For my man, I'm his playground. But he wants two. Kids, I already have five, right? So I'll give him even three because I love kids. Are you guys married? Yes, sir. Yes, sir.

We got married on August 18th of 25. Okay, so new marriage. New marriage. brother. New marriage. We've known each other for like almost two years. Yeah. You went a lot younger.

He's 28. I'm going to be 38. Usually women marry older, men marry younger. He marries older. I'm into, yeah. 50-year-olds and 18-year-olds. She's not my mom. She's 10 years fucking older than me.

No, she is a mother. You know what I said? But, but like my whole goal in life is to lead moms. There you go. I'm with it. I'm with it. What's wrong with that? No, our TikTok.

No, our TikTok. No, we had a TikTok. No, we had a TikTok. You know that TikTok. No plug. You know that TikTok trick whenever you're running? That TikTok 10 whenever you're running. And you make like, oh. Suspect challenge is what she's talking about.

I don't know if you know what that is, but it was hilarious. I'm like, oh, and he likes old ladies so that he can steal the kids snacks. How much you make talking to people at the dentist and then wrapping to them on the way out? Watch this. I don't wrap on the way out. Some of them already show their stuff. But we don't just automatically wrap, you know, because of course I have to come in there professionally. How much you make? No, he didn't say that. He said something to tell that.

What did you say? How much you make? I make 26 now, but I have my own business an hour. $1 an hour. Okay, very good. How many hours a week? It's going to be 40 hours a week. I just started on October 16th.

Awesome. Well done. Good. I'm glad. I used to make $35, $40 an hour. I'm a business woman, but I got screwed over by a doctor. Virtually Zendal Consultants. I'm working for doctors in the background because all they want to do is go and be a doctor and be a dentist.

They don't want to have to do the background business, claims, insurance, accountant. I'm all that. I have a good mindset, but I'm a spender. So I can't get to my goals and my dreams. Oh, I have a note. You're suing your past boss. Exactly. Knowledge.

Because he didn't let you rap? Because she didn't pay me. He's never going to let the rap thing go. Yeah. Oh, I can go off right now on her on a rap, but not really. Okay, anyways, I got to write it down. That wouldn't be for the Lord. That would be for...

Exactly. She doesn't get roasted too because I am for the Lord, but we're human and she messed me over. So in that case... Oh, yes. My favorite biblical passage, get revenge on that bitch. Hey, but Romans 323 is for all of sin and fall short of the glory. So watch this. I already got her.

It's what it is. So let me go sin then. No, it's saying it's everything that you do is paved, brother. He knows we're going to make mistakes. I'm not saying it's right. She has no clue. I feel like you're setting yourself up to allow yourself to make mistakes. Oh, because later on in that passage, he says, but through our faith we receive his mercy and grace.

Yeah, so anyways. Is religion a big part of y'all's life? Absolutely. Not religion. Not religion. I'm getting it. We're just Jesus, man. We're just Christian.

That is a religion. No, it's not a religion because God is not a religion. It's Christianity. It's not un-national. There's Lutheran, there's Catholic. When you read the Bible, it's like, yeah. We believe that Jesus came to the earth in a man form. He was crucified and rose on the third day for us.

This is a financial order, not David Ramsey. What are we doing? Hey, but you asked us if we're about Jesus and we're just like to do that. I just ask if religion was a big part of your life. It's not religion. So how can we not talk about that? And what he says and we follow it. The Bible and Jesus is.

all that we care about. We don't care about the money in the church. Listen, we're human, and so this is my thing. You don't go to church? We do. We do. But if somebody messes you over here, I'm the biggest caring. I'm not going to get that until I sue the lady for what she did, which I'm doing. Small claims court is only $5,500 that I can do. Are you here to convert me? I feel like I'm being... Oh, if you want to... If you need that, brother, we're here. Yeah, and we're not to convert you. We don't know who you are, what you do or what?

Do you have a boo-ro? What are you believing? What are you believing? I don't talk about that shit because I want everyone in the office. audience. It doesn't matter what you believe in. I believe in not your finances and it doesn't matter about what religion you are. Let's talk about that. Unfortunately, we have not believed that in the past but we're trying to now. Exactly. Well, no. Yeah, and that's, I guess, why you're on the show. Oh, oh, oh, oh, wow. So, God told you on Sunday. It sure did. Come on financial audit. Sure did. It's an application. Two days ago. Crazy. Sure did, yeah. We were a mile away when I applied for that. We didn't even know that. We were preaching the

gospel to all these gangsters on the east side. Used to be buzz and crips over here, but now it's cleaned up. Yeah, I assume MLK Boulevard. Yeah. It's like a mile away. That's MLK Boulevard. He's like, oh my God,

he's like, I'm not going to be there. Before in the past, it was bad, and it was not. No, we accidentally did play tennis once at that park, and it was. Oh my God. Are you all like that? Oh, my God, yeah.

But they're all cool. Were you scared? Hey, you should have been that we got your back. They're cool. We were intimidated. They had dogs and everything out there too. All their pits. They're playing dominoes and shit.

I'm over there like, what's up? You can smell the weed. Yeah. Yeah, exactly. Yes. But that's where you go. You go to the trenches to save soes because those are the ones that need to help. Back to our finances.

People live in the trenches? Well, it's called the trenches because it used to be the east side. They're still about that life because there's still some there. Back, I'm old. It was crips and blood and gangs and stuff in the east side super hard. now Austin is trying to drive it out And you spoke tongues to them We cast it out demons though

We cast it out demons We preached to gospel We went and around and talked to them When they were playing dominoes And they're all hard Because they're all hard because they're from prison But I'm hard too What it is we're witnessing

We're saying hey we're not ashamed of this And just because you're doing what you're doing You don't have to be ashamed Because we have the past too You don't even know who I was Yeah rena de soon Okay whatever I'm not like anymore

So what it is is like you changed So we're changed people So now we're changed And we want financial audit Not eight. Oh my God, gosh. What hits your account per paycheck, and what's that paid paycheck cycle? Right now, it was only, I just started October 16th, okay?

And so my pay cycle right now is every 15th and every end of the month, whether it's 30th or 31st. Okay, so $26 an hour, I don't really know. I usually make, like, so much more. So it would be like, you know, probably like $5,000. Plus bonus. I know. But I left the beat. How much does she make?

What will hit her account? Dude, she makes 26 an hour. She makes 40 hours a week. She gets paid biweekly. But she's never had a full check because she just started on the 16th of October. Right. But monthly, I will be making probably less than that because I'm going to get insurance. I have child support from one kid.

And so 26. You have to pay child support. Yes. Because some idiot like. That you allowed a nut in you. Absolutely. That actually I moved with my husband that was a blood. Because he went to prison and got shot.

How do we keep getting back to gangs? I'm trying to stay alive here, lady. Let me tell you. This is the thing. And he was like, that guy's not going to be around my son. And I'm like, okay, he spent the rent money. So we had to move with his sister to Alabama, okay, so that he could become a barber. Wait, how many baby daddies do you even have? I got four.

Five next. And, yeah. What does the Bible say about that? He says it multiply the earth. And I was married to all of them practically. And that's like one. Oh, because it was like, you know, two... I'm pretty sure I'm like her sixth marriage or something.

Oh, you're my third. Shut up. Three strikes and I'm out, bro. I was really literally... If I wasn't going to meet him, I was literally done with it. Body done. My youngest is two. Wait, my youngest is your third marriage

because you have four baby daddies and he's not one of them. So there's two out of wedlock. Very against your religion. It is. I'm not religious. It's that religion. But the thing is that... It's because you don't understand unless you read the Bible.

Anyways, who cares? God doesn't ever... You don't know that he doesn't read the Bible. Because God was not Catholic. The Romans sent him. He's the one that got on the cross, right? The Romans killed him because they were Catholics. Okay.

Don't look at me. I don't know what this has to do with out of wedlock. Out of wet. Wadlock is in the Bible. And you said religion. You just own it. You have four baby daddies and four kids and it's okay. Five kids.

It's okay. Five kids. Yeah, they're also amazing. They're all wanted a baby with me and if you want me to stay home and be a wife and you want to be a changed man, I'm going for it. But if you... What? You just accept it like that?

Yep. In a couple of years? that many people? Yep. No, I'm 38 years old. They were all gapped out though. I'm 38 years old, 17. Huge. Five. Like, okay, she has 21 and then 15, then 9, 10. Those are the same guy. And then our two-year-old now.

Was it supposed to be here? She's been there. They're gaped out. It's not like she was just out there. Did you not question if this was a good choice? The third time? The fourth time? No, because they trained me like Queens until the end. Uh-huh. But that happened multiple times in a row. So would you... I'm going to give him a chance. And so... Giving them a chance is popping out a baby?

Because they want it. I'm going to honor my man because he's treating me like a queen in that moment. I'm going to honor my man because well, I guess that goes good for you if you want one because she's not going to hesitate. I'm a B-Sat popping him out, period. And I'm cool with it, and I love the kids. And I'll have kids. You're approaching the end, though. Yeah, and I know

that. So I told him, a cap is 40, and I'm like, okay, Courtney Kardashian and Travis had a baby. She was 42. I'm like, okay, I'll cap it up 42. If we don't have kids past that, 42, then we ain't having kids, and he's adopting my daughter. I mean, her kids are my kids. I don't care. Yeah, they literally love him and call him dad.

It's cool. Well, yeah, that's good. So, yeah, we're babies and we love babies. I can literally have five more. Yeah. Can she have five more? Yep. Dude, she can do whatever she wants to do, I guess.

I'm a strong woman. It's not how that works, but. And there's Epidao. It's super easy to pop out of kids. How many kids are you trying to have with her? I want one, brother, but honestly she wants three, and I think that's nuts. But at the same time, we have three. You want to go.

Listen, two of my sons. I already have college tuition paid for, period, because they're adopted. by my mom because their dad's a jerk and for them to not be in the system. Watch this one call. Why'd your mom have to adopt instead of you being mother? Because their dad is a crap. I couldn't do it because CBS got into our lives.

And if I was married to him, they're like, if you want to keep your kids, you have to get a divorce, he did not want to divorce me because he wanted to have different hos and different area of goes period. So we're adding three more going up to eight. I want three. That's a little extreme. I just want one. I just want one.

I want two. Boy and a girl. I have to. He's a real. Redhead. What if it's two boys or two girls? Two boys and two girls? Perfect.

Twin and twins. Four, we're good. Five in the house. Okay. My 16-year-old grandparents are super rich. They're taking them to Spain and college just paid for. So I got three kids college paid for. My daughter's 21 years old.

She's good. So everyone takes care of your kids besides yourself. Wait, what? What? What do you say? Everyone takes care of your kids except for you? No, I take care of all of them. You just said they're all taken care of because of other people.

No, they're taken care of because of situations that I got backstabbed. I got backstab my son's, my 16-year-old son, his dad effed me over and said that I relinquished my rights as a mother to go to Alabama. I got served with papers. Why would you want to go to Alabama?

Listen to me because no, because... Because she was with the other dude, the other kids and the other dude. He spent the rent. We had to move to Alabama with his sister so he can go to barber school. I was pregnant with two kids back to back. So in that situation...

We only have one kid living in the house that's two years old. He was tatted up from face of the time. I'm talking about as I'm talking about. As I let's say Carpidiam, he looks like crazy, like Barker, like Jelly Row. Okay, so my parents... I don't know any of these people! My parents were like, oh my God, who is this guy?

You know, jelly roll? The dad... I've heard the name. The dad was like, oh my God, who is this guy? He looks crazy, and I'm like, he's sweet and nice and cunning, right? He was an artist. Anyways, when that happened, he wanted me to be a state home and have these kids. So I had these kids.

They got a... CPS got involved. All right? because he's an alcoholic, and my mom calls, and she didn't want them to be with us. So in order for that to happen, she had to adopt them so they wouldn't be in the system. Who would I have them with the system of my mother?

So that was a wise decision. What medication are you on? I'm not going to tell you all of that. I'm not disclosed it, but I do have anxiety and other stuff too. And did you take it? Yes, I do, all the time. But I'm always great. All the time?

Every day, and he even knows what? She takes her anxiety medicine every day, but her mood stimulator and stuff? because I don't want to go to sleep early at night. It makes her a downy. Like, I'm sorry, but it makes her like, oh, yeah, like. No, because I take a drug at night.

And so I get pissed off. I'm like, what the fuck is wrong with you? Just forget it. I take Seraquel, okay, at night. I don't care. I actually don't care. I was just joking that you're fucking kind of crazy. I am.

And so, but I go to crazy now. But see, Seraquil, if you take it at a letter time, Sarah Quill stays in your body from seven to eight hours, right? I have to literally take it at eight o'clock. I let you know a fun fact actually real quick. What? I don't give. Okay, but I don't either, but you ask it.

Look. No, no, no, no, I did not. I didn't. It says in my system. It says to my system. And so if I don't take it in the right time, I'm sorry on my words and I'm falling over when I get up. Period. So yeah.

That's what I'm taking. I ask you why you don't give a fuck. $26. Well, about what medication she takes? Shut up. It does not matter. Who cares? Because I was joking.

Okay. Well, you got to know that. That's nothing is a joke with us because we are fucking nuts. Okay, anyways. I make $26 an hour. Oh, 26. Okay, 26 times 40 times 52, divided by 12. Take taxes, take things out.

You're likely making about $3,000 a month. Okay, great. But that's 80 hours, right? Like, you put in, it's every two times I give. Okay, you got it. You're their spot one. Okay, I forgot. Okay, go.

And what do you do? I work in a warehouse, man. I'm a package and shipping. Like, I'm getting orders out. I work in a crate-in warehouse. You're physically working. Absolutely. Why are you so fat?

I gained about 100 pounds in prison because my mother died. In prison? I did, yeah. Oh, what is this conversation? His mother died while he was in prison, bro. He's depressed. He's like, commissary.

Hey, honestly, like, I'm still fat. I'm kidding. I didn't mean to call you fat. I don't care if you call me fat. He will run and tackle, and he's in center field college football, bro. Like, yes. No, no, no, no. He just got drafted to a new team.

You'd kill it on the line. He does. I love being fat. He was best in the U.S. You love being fat? Yeah. Why? That actually, have you tested your cum?

Have we seen Daddy a sketch? I know, like, I stopped. I wasn't this fat until I was. And so now we, now it's time to do it. Yeah, oh, you say, oh, but it's a real fucking thing, bro. Have you ever been to prison? Have you ever been to prison? No.

Has your mother died? Not yet. Okay, well, do those two things at the same time and you tell me what happens to you, brother. Why'd you go to prison? It doesn't matter about drugs. He's selling? No, I don't know. No.

No. Just, like, just, just the act of doing that made me fucking wild out. And so- You wild out. You're- sure was. You're a- I used to be. He used to be. He's out of Mether.

Methered or Christianity? I was Mether. That is the classic pipeline. No, I was Christian. I've been saved since I was seven years old. My parents were on. It's called Backsliding. You know what I mean?

It is what it is. Because you're depressed. I've been on my own since I was 15 because my parents were on. And the first time I ever tried was with my father. Yeah. Exactly. Yeah. So, so.

I'm glad you're not doing meth anymore. Exactly. The only thing that I got out of it was being fat. Yeah. Look. I'm not complaining about you being fat. I'm just saying, though, like, that's why I said that I'm comfortable with that because, dude, the person I used to be versus who I am now fat, I don't...

Well, I agree. I just want you to be around for your kids past the age of five. Exactly, and they will be. So, when did you get out of jail, prison? February of 23, and then I met her in, like, March. How long were you in? 15 months, I had a two-year sentence. How was it?

Texas prison? A Texas prison? State prison? It was CDC, so it's not state jail, but it's like, yeah, it's not federal. So, yeah, it's... I heard it's fucked. Honestly... I hear federal's okay.

I had a kitchen job, and I was... Oh, I'm sure. Smoking K2 and doing dumb shit and... You're a what? Yeah, smoking K2 and cigarettes. What is it K2? K2 is synthetic marijuana. That's how they...

Oh, there's so much in there. It's just like... And then, like, honestly, my cousin's dad was like 10 bunks down the way from me. And so... It was when my uncle was there. And it was like, what's the dog? Fighting people and shit.

Family is just like. what it is. Yeah, exactly. When I didn't have it, he had it. I mean, like, don't get me wrong. And you're clean now? On what? I don't do anything.

We eat nothing. Okay. I saw a vape. That's it. I don't even drink. Oh, I'd rather you vape than... For sure. Exactly.

How long have you been off? Since I went to prison. I went to prison in the 20... February of 22, I got locked up. And how long were you addicted? Seven-ish years? That's crazy. That's wild.

Dude, I would stay for like three-fold. up for months, bro. And the sea, in the Gulf of Mexico. Is it easy to get meth and huddo? I've never got it. I don't want to. I don't do that. I have my wife now.

Wait, where were you? I was in Crystal Beach, Texas. Because he's a shrieper. I'm from the coast. You're a shrieper. You were smoking on a shrimp boat. Yeah, you have to be up like $2 for seven. Sorry, Chris, but yes.

Oh, your boss did not know. Is that your boss anymore? He thought we were smoking. Oh, and he's okay with that. No, he just like, he was just call his crackheads. And I'm like, yeah, ha, ha, ha. because, like, you know, it was like a passive-aggressive thing, but he was so wrong.

They literally shrimp at night. Oh, they were all. Me and Waylon were, yeah. So when I eat my shrimp, no. Dude, honestly, but think about what the Vietnamese people are doing. What are they doing? Anthrax, China.

Fitting soy sauce in each other's mouth. I don't know. They're doing some crazy shit. Indians cook with their feet. I mean, come on, dude. Yeah, TikTok, watch it. So I guess, let's see math. Every time I was on the boat, I was.

Moving on, moving on. No, no, no, no. No, no, no. I wanted to say. I'm proud of you for getting off. Watch, but what does meth do? It keeps you up. You have to stay up.

I know. But watch this. There's no time to go to sleep on the boat. Are you defending math? No, I'm defending the fact that because they're on the shipping boat and if you watch see the catch, they're literally working all day long and all night and get like 30 minutes. What are you arguing against? I'm arguing against that.

She's defending me. It's not. It's not. He did it. I was complimenting him for getting off of that. Me too. And it's a thing. But the reason why he did it too on the boat.

It doesn't matter. To catch more sure you can make more money. All right. Shit. so he could spend it all on math, yes. Exactly, or meth force. One of the two. So you got thick in jail.

Usually people get fit in jail, right? Isn't that the stereotype of these? You didn't enjoy in the whites? The woods? I got a lot of friends that are even outside like in the free world, yeah, but no. I'm like solo. Solo.

I don't get down with gangs. That's just like the point of that is to tear you down. Oh, okay. Yeah. Stay sure. Anyway, yeah. I make $26 or $23 an hour.

Packing. What again? Cratum. Like, like. Cratum? Yeah. Should you be around Kratum? Yeah.

Actually, it got in, it got in my lungs and I was in the hospital for like, I went to the hospital three times. And so like, they, like, I used to make 40 hours, but now I'm only making 24 because. There's a Kratom factory in Hutto, Texas. It's a load. It's actually 15 minutes away from here on Cameron. Making Kratum? Um, they ship it in from Indonesia. Pack it, make it into pills.

And then like, before I was, before I was, before I was. Before I was putting in bags and shit and mixing that and stuff, but it got in my lungs and it made me really sick where I could fucking breathe, dude. I was too weak. And so I ended up quitting. I ended up quitting. And then I was like, wait a second, I can't do that because my wife doesn't have a job. And so I'm texting my boss, I'm like, hey, can have my job back?

He's like, yeah, but we're not going to put you in the clean room. We're just going to put you shipping. So Wednesday, Thursday, and Friday, I'm just putting shit in envelopes, boxes, da-da-da. So when I do have an interview for UPS, or orientation for UPS on the 13. of like in two days. Do you have a felony? Yeah, and but like... Do they care?

They, they don't. Because it's seasonal warehouse work. So it's seasonal. But it's... I have to do something. You know what I mean? I have to find another way to make more money. But you're away from the inhale, so are you okay?

Yeah, but but there's not... There's not enough shit for me to do if I'm not packing that powder. So that's why I'm cut down to 24 hours now. Look, private student loans can make you feel like your one miss payment or away from selling your grandma's heirlooms. We miss your grandma. Why Refai says, chill out. No more sacrificing the family jewels. They don't reduce you to a credit number. They actually want to see if you actually plan on paying them. And by the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle. I mean, some lenders want to charge so

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So you can finally take control and see what your money's been doing behind your back. Click below to get started. Oh, fuck. You see what I'm saying? So I have to find another part-time or another job completely because I don't have enough money right now. He can work for 40 hours that he can get there, but he's only going to do like packaging, cratim for like just on a Monday. So if he can minimize that, then he would be okay.

So what has your account like? $2,000 a month? Dude, it's probably, like, I think the past two checks I had were like in the threes, bro. $3,000. $300? Like, because I get paid every week. Exactly. Exactly.

And then, like, I pay it in my 401K with 4%. I'll say $1. I'll say $1,500 for now, hoping we'd get a little back. But, okay, so that means the house, why didn't you have a job? He had to go back because he didn't have a job. Because that doctor asked me over. Yeah.

And she literally. I saw a note somewhere. It popped up. You've been just, you've been blabbing so much that I've missed them sometimes. Oh, you've had, since he met you a year ago, essentially a year and a half ago. You've had 13 jobs. That's, that was off. That's an understate.

That was dramatic. I said that, but she's probably had... Is it an understatement or dramatic? It was dramatic. She probably has literally... If you count them, it's seven. I've done it before. Seven jobs?

In a year and a half fucking crazy. I've had one. You could never build a career off of that. Of course, but I'm not going to deal with doctors who don't appreciate a hard worker and they say that they're going to compensate me. That's interesting that it's happened seven times in a year and a half, almost like it might be on you?

It is on me because I don't take no shit. Right. Very employable. Very doable. Very doable. Whenever you do have the money and bonuses that you're lacking back on. I was a treatment coordinator for,

my sister was actually my boss for, for braces. No, it is good. We're awesome. We're like super tight. But yeah, it was good at the end.

That's why I'm not there. But anyways, but anyways, we were making money hourly. Um, was like $28 an hour plus $1,000 on each five offices that we worked at.

And we literally killed it and was making a thousand on top of that. Okay. Yeah. So I was being good. Why are you leaving jobs every two months? No, I was actually there for, like, more than that. I just don't take nobody's shit, period.

If you can treat me like B, I T, she hates whenever I am doing a good job. Yeah, but what do you consider as being treated as a bitch? I don't care. I have, I see your personality here. I feel like you think almost anyone's a bitch. But I am too, and I have that face too. Well, we know that, and that might make you not long-term employable, but how the fuck are you ever going to... That's not your goal to be able to take care of the bills.

No, my goal is to be a financial freedom, financial aid. She said... But I have goals. I have goals to be out of that. That's like... Wait, wait, wait. What did you just say? I want financial audit, right?

To help me budget. This, it's a budget. We can't budget off of a lack of income because you leave every two months. Exactly, but I have goals that I'm going to get to eventually. So if at first I have, like I said, my business. I can make five 10, with five doctors working back for them. It's $25,000 a month that I can make, okay? I have that business.

you done that yet? I have a Wix account. I got my own cards. Wix account. You're talking Wix, like the website bill. Yes, I did that. I have business cards. I've actually done everything. It's not legal in the state, though? Yes, it is. I have my LLC and everything. I went for that. But that was during COVID, and I worked for that for a couple months. But I haven't gone through it because I haven't had a savings to be able to actually put my whole work, and I can't get a loan because my credit. Alone! A loan for what? For the business? Yeah. Okay. Well, Hey, I don't have knowledge. You do.

You're going to, okay, you're going to help out. Dude, we've never tried to budget. We've never tried to budget. We've never monitored our spending. We never, we never. Why not at least try? Because neither of us care. We don't care.

Then what the fuck are we doing? No, no. That's why we're here because we want to care. I've never had anything in my life. So when I have money, I just float on whatever I want. And mostly it's her. I love the dental field because I'm very knowledgeable. I'm in there since like, what, 21 years in the dental field doing all types of stuff.

23 years of no more than. three months at a time, but yeah. Whatever. You don't know the rest. But I have been... It's going off for your words. What's your website? My website is...

It's virtual what's off now. It's like, I haven't done it. We have a call from you. When it comes to this, you and your work, slavery is over. What the fuck does that even mean to you? Oh, I don't want to be in cage from 9 to 5. That's why I started a business.

But then what? Oh, good fuck. How are you ever going to pay bills? The one that she is talking about specifically... Pades or choosy. Listen, the one that she is talking about specifically because her, she does, doesn't remember what she said.

She was working making salary, but she was working like 13 hours a day. She wouldn't come home until, like, you know what I mean? And so that's what, yeah, exactly. People do that all the time. I don't give a, paying bills or not. You're taking kids or not. What I'm saying is, though, you asked a question, and that's specifically what she was talking about when she said slavery is over.

Choosing to work a job that you chose, accepting that contract that you chose. But she left that thing that she chose. Yeah, but you're not without something else lined up. Did you have something else lined up? I don't think. Yes, I do. What? He had to go back to work at Kratum.

Okay, but watch this. Because you didn't. I have so much experience. My resume is like top notch, okay, because of all my experience. Oh, I have your website. Okay, cool. There you go. Look at it.

I did that my whole self. I did all that by myself. I'm very glad we have. Dentalcon site.com. Foreslash website. Well, I got to perfect it. And I did. I am very goody on that.

That's something easy to call out. Yeah. But, yeah. Yeah. Okay. Eliminating stress from dental, dentist since 2015. Yeah. Wow, you have a whole plaque and everything you made.

Oh, I did all that. I'm super witty. I'm graphic designer. And it says that you didn't even pay for it because, oh my gosh, it's something in my nose. It says this website was built on Wix. That's permanently at the top of your website. Well, because I haven't made it my domain yet because I can't.

I have to pay for it monthly. You know, I put that aside because I just had a two-year-old. Christian-based. Religion. Virtuous. That is religion. Christian is religion. So we're Christian and I want them to know, whatever, religion, no.

I want them to know that I am true, faithful. Sure, but you're very much limiting your... Exactly. Clientel, you want to limit your clientele? No, I don't, but I haven't worked at it because I don't have... We can help your practice grow, operations, leadership development, staffing, marketing. Wait, you do that? I do it all.

Remote billing, which for some reason is in bold, the rest were not. Yeah, because I can do your whole billing and your whole accounting. Really wanted to focus on that by bolding it. Yeah, because they can know that I'm a beast at getting done money that wasn't basically looks like an error. Okay, well, I can unbolt it. Technology, book your free personalization, one-hour assessment. How often do people click that book now?

Well, I haven't utilized that. Are partners? Do you partners with all of the... What is it? All the dental... Very dental thing in the world? No, it's called Open Dental. Like Open Dental.

It's all the softwares that you use. About. That I know how to use. I mean, our founder and CEO and one employee. I don't know what that is. But I'm the one employee for now. Oh, that shouldn't even be on there. Yeah, I want you to edit that.

Uh-huh. Okay. I'll bet you see and have you. It's on my phone. I sure haven't. I don't. I'm just confused again, though, because how the fuck are we going to get anywhere? if you cannot hold down a damn job

and we know this isn't paying the bills. That's not paying the bills. I feel like that's a part of like what I need to do though too as well. As soon as I left one job every couple months? No, no, what I'm talking about is maybe I should go back because you didn't have a job.

This is only for this year. Well, guess what? There's no reason my wife should be making more money than me is what I'm saying. What do you mean about that? What do you care about that? No, I'm saying like if she wants fucking leaving the job, I should be mad enough

to just be able to at least pay our bills, dog. He's a... I don't think that has anything to do with you having a dick. No, no, I just know, like, in my own heart, though, in my own heart, though, like, I'm not a macho man. I'm just saying, like, in my own heart, like, because, like, a lot of the times that she did leave her job, I was like, leave, because I was tired of hearing her say, I want to quit, I want to quit. I want to be to stay home. I'm like, I agree. She's annoying.

I want to be to stay home on. I mean, she is, but she's beautiful. Look at her, man. I mean, how do you not? The thing is, we live in a dual-income society today. It's not the 1950s. When we moved, sorry, when we moved into the apartment, we were supposed to split it down the middle, and now I've borrowed. to defy pay.

But then I was one paying for everything and I got the apartment by myself. But she did, but like... I gave him a car, gave him 15, 15 watches whenever he got out of prison. Is this a competition? No, but I just wanted to know

that he is taken care of. And if he don't got it, I got it. If I don't got it, he got it. There's nothing that, like, there's nothing that is bad about me paying all the bills just because she didn't have it, right? Okay, I'm supposed to be there to back it up. But that's not what we agreed on.

My dream is to have to stay home while I'm 19 kids. My 19 kids are counting. On that, on the amount of money, that I'm making now, I could still pay my half of the ring. So he needs to go to Alaska to be on the Bering Sea. If y'all can hear that right now. Yeah. That's true.

What the fuck is going on? He's going to make tons of money. There are millions. They usually got 14,000. Okay, so you guys have absolutely, okay, you guys, okay, you're a mess. And that is what's destroying you. Come on.

Let's be honest. You cannot stay. I'm someone who gets excited about things, and I pursue them. That is one of my flaws. But at least I, at least the 90% at the time, do them and do the work that is required to get there, or at least giving my arm.

If I fail, I fail. No, you bounce around your... This is my dream. Your dream. You've been trying it for years and you have a Wix.com unpaid for a site. And I'm going to get a domain if I want that. If he can make more money to support me...

Okay, and how can you with felony? Because you can get an expunge. What are you doing to get it expunge? I don't need to get it expunge. I need to get my f***tick card so I can go to like a towboat or something. He wants to be on the scene period. But we have just moved in together in June. so like we're, we...

My guy, we live in a hoodo. He is going to a huddle. We're not on the ocean. We will be saying. No, no, no, but like... We're moving to the ocean. Dude, listen. Listen, don't.

She's saying, listen to me. What about the kids? Okay, you're coming with us. Mute yourself. Only one. Babe, hold it down. Just a notch, please. Okay.

You also want to have three with him, so... Look, I grew up on boats, so that is my passion. Technically, it's fishing and shrimpin, right? But since I came here, it hasn't been lucrative, and it came between us. That off in order to... go like because I've never been anywhere except for where I was from this will be sexist.

Does that not make you nervous of? Exactly. What? Yes. What? Yes. No, and that's, and that's, why I don't do it. But here's the deal. If I want you to do it.

Listen, no, shh. What? If I get my twit card, both of you, shh. If I get my twit card, I can go to Houston and get on a towboat and they just go down the intercoast of waterways. Okay. And they're drug testing me. This is all like, uh, I'm going into federal or, you know, international ports and

shit. You can't fuck around on that type of shit. And so, and I'll be making, starting out like 30 something an hour. Then you move up through the company, you get your tankerman. Then now you have your six-pack's license where you're driving the boat and just, you know what I mean? That is the path that I need to take. But we just got together and I just got out of prison and I haven't had, you know what I mean? You see what I make on paper.

I can't, how my Twitter is going to cost. But I would buy that. How much? I forgot exactly how much, but the application's like 100 and then it's a couple like, I think it was like 600 or something like that. The Swiss car was cheaper, but the other. So you're going to move to Houston? No, no. No, listen.

Well, Crystal Beach. Listen, she would drop me off in Houston and I would get directly on the boat. She would pick me up in two weeks. Yeah, yeah, because I would stay in huddo. What, even on the, just up and down the canal is like a two-week mission? Exactly. Like, say, we'll go from Houston, then boom, we'll hit Port Arthur, and then we'll go all the way back to say, like, South Texas, like Brownville or whatever, and then we'll come back. Like, it's just, you're just, it's like a, um, the best way to explain it is like a, a,

18-wheeler in the water. I got you. You know, the captains that do, like, party boats on Lake Travis make a lot of money. I've applied to that, and I have enough. What? He ain't seen Athens cities all day now.

I have enough seat time. Shh. They don't get naked. I have enough seat time to, I've applied to all those jobs on D. He doesn't go to Sycambe. She is very insecure. I have a lot of jobs that I applied to on Dede for that,

but there's so much trust in that that my background flunks me every time. I shook hands with the guy and he hired me. Boom. And I was going to have access to boats and it was going to be a part-time weekend gig gig making 15. How do we get it expunged?

I can look into it. It's easy. Money, yeah. How much? How much? $5,000, $6,000. I don't have a lawyer. I'm on probation right now. I have to pay for that.

I just got off of parole. I got out of prison on probation and parole. But you still can expunge it. How long is parole? Probation. Probation 28. February 28. It's not bad. Yeah. But that's money too. I was in $5.2. Yeah.

Yeah, I mean, that's hard. Obviously, you did the thing that, I mean, you got your punishment. It's fine. And I think we should punish people. And I think if you do it at least two more times, we should probably lock you away for life. Oh, my God.

Two more times. No, stop. Hey, we should do it now. It's because, like, 80% of crimes committed by people that have done, been arrested for crime three times or something like that. So it's like, if you lose it, I'm done. I went to prison for eating a bag of weed. Well, okay, I wouldn't lock you away for that. Okay.

But you said you were like on a big thing because you were up. Yeah, but I just thought maybe you were violent. No, no, I wasn't violent and I wasn't stealing or anything like that. I was just doing drugs and having drugs on me and being with different women. That was it. Huh? And being with different women, that was it. Beating different women?

Being with. B-E-I-N-G. Oh, stick it in. I love it. No, that's over with you. Now it's over. We have a ring. No, he's out available.

Off the market. So am I buy. That's fake, isn't it? Of course. We're broke, dude. Hey, I got a gold one that's nicer, but I'm silver. I'm matchy. So, yeah, I go with what I'm wearing.

I can gold as my name. Dude, yeah. So what's going on? What are we dealing with today? Dude, we are, like, I'm only in debt a little bit. I thought, like, originally we came on financial audit because I thought that I needed an audit, but technically, my wife needs financial exorcism. Do you guys not have it together?

We're not, no, no. Finances together, finances. Like, like, we're not joint in anything, but, like, we know of everything about everything. think. Why? Because we don't have it. What's the point of being joint when your account's negative? You could still write down. I did have, I wanted to get that budget book that I saw on TikTok, but I never did. So we do, there's like a budget book that you can like budget.

You get the premium version of our dollar-wise budget now forever. I used to have that or whatever. And so I was going to start doing that, but then we're like, okay, we know how much you make, let's just bill it. We just pay the bills. We just live pages to make it. And dude, I'm like, we didn't. Sounds thrilling.

It is. How much debt does the household have? I have, like, 1,500. She has like almost 9,000. How much debt does the household have combined? Probably almost like, well, if you include the people that I owe like individually, probably like 15 to 16,000. Yeah. You'd say that as well?

Yes. $27,823. $0.53. Oh, wow. The household income ranges from four to five, four to $4 to $4,500 a month. Oh, my gosh. Wow. That's the ratio's, like we're done.

And then our rent, you know our rent and everything's on there too. So what can... On the debt? No, I'm just me like, you know what we're paying out and shit. Well, I haven't even said that yet. We'll get... How much would you make from being this toer? The 18-wheeler of the Seas?

I'm gonna say probably starting out about five a month. Okay. But like my buddy, like my good buddy of mine, he probably makes like 150 a year. And he can get me on immediately, boom. Yeah. So I just need it. Do you know what I mean? And does he do drugs? He doesn't.

Okay, good. He's a very... I really don't want to see you get back in that environment. He's not. That's not an option. I'm way beyond. I agree. It's in Houston.

It's still. Crystal Beach. Well, Crystal Beach has the word crystal on its name. Exactly. It's not going down like that. My dad used to say he's the deacon of the Crystal Methodist Church. I will not be with a man that does that because I'm not. Yeah, exactly.

I agree. I agree. Yeah. So what the f-so you said there's only one kid to move, but you have. It's just one kid. We have one kid in the house. Where are they? One was with her parents.

I just told you earlier. One is with her parents. Two. No, two is with her parents. One is 21. And the 15 year old is with his... 16 year old. Is with his grandparents.

Because the dad just went to prison for a year because he got caught from the FBI. I'm doing all this... Doing what stuff? Trading Eshwab is now powered by Ameritrade. Unlocking the power of Think or Swim. The award-winning trading platforms loaded with features that let you die

deeper into the market. Visualize your trades in new light on Thinkerswim desktop with robust charting and analysis tools, all while you uncover new opportunities with up-to-the-minute market news and insights. Thinkerswim is available on desktop, web, and mobile to meet you where you are. It's built by the trading obsessed to help you trade brilliantly. Learn more at Schwab.com slash trading. F-Traficking.

Human trafficking, though. Drugs. It doesn't matter. Never human trafficking. It was not human. It's drugs. And passing drugs, yeah. Kids?

No kids. I thought you said kids. I said, wait, what? Oh, immigrants. That is kids. That's human trafficking. No, no, it's not. It is in a way.

Not sexual. That's bad things. It's still trafficking humans, isn't it? Mexicans. I was transporting Mexicans. Mexicans aren't humans? It's not good. You know what you're talking about.

You were transferring Mexicans. I did a whole bunch of shit. What the fuck? The only other time I've heard that in my life was literally last week that I filmed. Literally, I was Rayna der Su, literally my dad is the right-hand man of Chapo. Babe. It's on the news. Anyways, that's over with what...

Shut that down. Is I going to stay alive in the coming weeks after this conversation? No, dude, shut that down. We're new people. Oh, you are good. This is gone. In 2009, when I had my son, I stopped all that and got into dental field. And you can't stay in it.

Okay, so... I'm sorry, what? Okay, but here's the deal. I think when I met her and she was working with her sister, how long were you there? I don't know, like eight months or nine months? Okay, never mind. Never mind. Yeah, it was more than that.

So what do the finances look like? the household when we have conversations when we have, I know we don't budget. Okay, what do the conversations look like finances in the house? Just paying bills. Yep. We owe this, this and this, this, this and this pay this. So we sit down? Nope. Nope. We're just like, hey, this is do, this is do, get this, get this, get this, and we just pay it. Okay. I usually, usually how it's done, like, okay, in the past, in the past month, okay, last month I did borrow my whole fucking amount. Okay, but the month before that, when I was paying it by myself and she wasn't working, I was just Apple pay her, boom, and she would just pay, because I was having to pay it weekly.

my whole check was going to it, boom. No conversations are done, though. No. We don't even talk about finances. Usually when we do, what about spending outside of the bills? Do we not talk to? Why? He spins because we just don't care.

Because we're not like, it's. We just spend because we want to spend if I want this. This is Sheen. Our conversation, look here, Caleb. You're bragging about Sheen. Caleb, our conversation will be like, well, we need to pay this, but we also want a pieceburger. And we're like, it's okay because you're going to get paid on Friday.

And the next thing you know, we spend half of the. rent money and I'm not going to even make the other half on the Friday. But they're lenient at my apartment, so it's their fault that they have a bill. So we can pay payments. That was a terrible thing to say. The house are in Hutto. It's not an expensive place. Dude.

You're asking about our... I disagree. Hutto's not... Okay. Objectively nationwide Hutto is not an expensive place. Okay, yeah, yeah. But like, you're going off some like geographical shit. This is...

Well, it's like... It's like 15... What? Our rent fluctuate to 50 to $1,500 for a little bitty modern house. How does your rent fluctuate? Our water bill is included sewer and then they add all this crap That's not rent

It's utility It's not totally right it out I literally want to barrenum But what's your portion of rent outside of the utilities What do you mean? What's the rent number if we took away water and everything It's like it's our house No

Two bedroom apartment that our daughter lives in the closet of I thought you said house No no I want to barnum house Like I want to barnum house This is also the second time I've ever heard this word And it's going to come in a I swear Oh, people just come on in there, they have the same brains.

Me and him just got together. We moved in barely June 13 together. Oh, whoa, whoa, whoa. We got married in August? August 18. Is that not moving a little quick? Super quick. I'm going to be 40s.

When you know, you know, I'm going to get with something now. So it's for the baby. When you know, you know, you've known four times previous. It's okay. They all want it. But here's a deal. And I'm going to give a man a chance who says they want to be this and do this. Yeah, but you're committing to a lifetime commitment of a child giving them a chance.

Question, though. Okay, what he's saying is like, you've committed four times, but don't you agree that this is different. Exactly. Why? Because when you know, you know. We're both on the same page. She didn't know? In the past, maybe not.

What I'm saying is like, anyway, moving, fuck on. No, no, no, no. If you've done. I'll F up a long time, a bunch. But if a man, I don't know, like, I'm with this guy, I'm thinking he's going to be amazing, right? That's what I'm saying. Listen, so, who wants to be lonely? He wants to know.

I'm just saying be lonely, but you got married after a month of moving in. But we had known each other for a while. We had got engaged. I don't care who he was. We got engaged like. Oh, you haven't had that yet? Love at first sight? Huh?

At first sight? Yeah. I've had it first sight. Well, this is love at first sight different. Was that men or women? And it was that too. It was love at first sight and love that same too because I surprised him. Dude, we met on Facebook dating.

I just got out of prison. and we met like and then it was just like we never wanted to be away from each other I wanted a blue-eyed guy just like him because I went in high school I was like oh my god as soon as he messaged me I was like

you're my dream man he was like all right let's go and I called him yeah in the week very weird you have a Mexican last name but you're the whitest person I've ever met exactly um to be honest with you you should see a picture my dad he's like way darker than her

you just got full white DNA well guess what that's me I'm not complaining about it I still have the same last thing it's crazy that's why I said now I'm Guchero I'm Mexican again. I'm Mexican again.

Well, like, there's a portion of me that is Hispanic. But it's only like, my dad's half, so tangley I would be a quarter. A quarter. You're so cute. We haven't done the whole thing about like... What do we think? I'm going to go three to one point. On point, I want you guys to give me what you think your household financial score is.

Zero being the absolute worst, 10 being the absolute best. Okay? Does that make sense? Yes. You'll say it at the same time when I point to you. Three, two, one, zero. Okay. If you want your hammer,

financial score, get it for free at Calebhammer.com. Take the assessment, see where you stand in the world of money, where you need to improve what you need to do to improve it, and where you're already doing pretty okay. Just takes a few minutes, and again, it is free at Calebhammer.com. And if you don't want to be like a guest who ends up on this show, make sure you download the dollar-wise budgeting app. New features being launched every single week.

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All the links are in the description below. Why do you think it's a 3 out of 10? He thinks you guys are dead. I guess zero. Why do you think it's a 3? Remember that doctor's appointment you were supposed to make like 11 months ago? Yeah, the one you said you'd handle after the holidays. Then something happened.

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I get money. Enjoy! Links are in the description below. Because we do manage, we do manage to stay afloat. We're borrowing to manage. What? Huh? We kind of manage to stay afloat. I have overdue and overlimit on multiple accounts.

I'm just saying we're not on the streets. And we don't limit it's it. For now? Yeah. We're never going to. That's what everyone says until they do. People get put on the street every day. I've been on the streets.

I was on the streets for years. Exactly. It happens. That's not how that works. I mean, I could be on the streets. I could literally lose everything somehow. Exactly. There's always a way.

Right. Not yet. Guys, we know how much comes in on a monthly basis. what went out. Well, actually, no. What came in last month, those two... No, because that was cash advance.

That doesn't even count. What came in last month was $1,500. Yep. And our rent is that, I mean, more. Guess what he has an awesome? How much was spent last month?

If you could include our rent and stuff, yeah, it counts. We spent all that on... Bullshit. I think number was. Like, I probably spent, like, if you include our rent, yeah, probably like,

I would say, what, 2,000 plus the 15, right, you said? Just about. So about 3,500 bucks. What do you think? More. Actually, more. It's probably 4,500 bucks.

Probably almost 5,000, I guess. What the fuck? And you accept that. You're okay with that. What is it? I was. I was. I don't care.

I don't care. So I was right on with, I was right on with. So what the fuck are we doing? We're doing this because that's a problem. Why do I? Well, I'm just saying, well, why do you? Oh, wait.

Okay, okay. I care in a sense, but like if he was. want something and I want to. You're a mother. I am. You should care. I do. This doesn't indicate great. Okay. I'll be honest. No, it's horrible. That's true. Totally understandable. That's why we're here, Caleb.

I mean, Jesus, we don't know. I know why you're here. Okay. Okay, you spent 60% of your income, not spending, 60% of your income on Missileady's bullshit. Yep. I told, I told the producer that. Going out to eat was 17%. 17% of your income. All what we have debt can barely set up a life for our children outside of what other people are doing. So, you're right. So my four in the house will be good, too.

But like, huh? I'm going to have, well, I have one. I want three from him. And so it'll be four. So the four after he does all his, he'll be on the ocean. Don't get me wrong. Listen, I mean, it sucks for them, but we do need you since we have a collapsing birth rate. Yeah, okay.

Keep sticking it in. He will. You're doing it for us. Um, okay. Yeah, I don't think. Dude, just stop it. Uh, Walgreens after this and nut and a cup. And then get a turkey thing and for what?

Do what? Oh, he's saying to check your fucking sperm. For what, though? To see if it's fertile. It is going to be because we believe in God, a guy's going to give his baby period. But he said, if not, I will literally do in vitro right now. He's, but if my sperm is not producing babies.

We'll check it soon. Oftentimes, overweight people have less sperm count in their cum. very oftentimes obese people and pretty much more than none morbidly obese people. There's like, there's like three million. There's like three million feds.

It can still happen. It can still happen. It makes it less likely. I mean, yeah. And it makes it harder. Okay. But yeah. Thank you for that.

You just have to wait two days. I did this as an experiment. I've been telling her that though. I did it and my cum is fantastic. But all you have to do is just wait two days between nuts, none in a cup. Slep it up in a thing? We're not there yet.

We're not there yet. We're not there yet. I'm not going to have kids before. I'm saying we have, I mean, I'm just saying. He's talking about his nut, lady. My goodness.

No, but I'm getting a kid before 42, so I need to know if it's good or not. Him waiting a day will not prevent that. Yet it will perfect me. What, does that help you convert people better? Yeah, no, but it's,

I must play in tongues for his entire life. And you guys do speak in tongues, don't you? Yes, we do. I do not speak in tongues. I do not speak in tongues. I do not. It's not beneficial to just speak in tongues. tongues in front of people like you or her or whoever.

And you? I speak as saying only with the Lord because he downloads exactly the English friends. That is the spirit of you. You know what you're saying? Not in that moment. No, only God knows it. It is God speaking for you to himself. Because he knows what you need to pray.

That is the spirit inside of you crying out. When you, when you don't know what to say, if you're overwhelmed, no, because you don't know. You're overwhelmed. No, because you don't know because I know more than. It's like, God knows what. Sometimes you don't know what to pray. You're like, oh, my God, I'm so overwhelmed. There's so many people that I got to pray for.

You speak in tongues. I stood down and brought this up. I know it. And so that's when it, he's like, I'm going to take care of it. Now, whenever I'm speaking in tongues, sometimes he downloads in English what he's, when I'm actually speaking. Great. He's an eye pie.

Got it. So then I'm like, thank you, God. That's exactly what I was thinking. So you're real and you're cool. Anyways, moving on. Out, audit. Aid. You read the Bible soon and you'll know the whole story.

You don't think I've read the Bible. I'm sure you have. There's treasures and mysteries. I was born in America. I'm sure everyone's read the Bible. Exactly. That's not true. Not true.

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celebrating its 40th anniversary. You win? Must be 21 to enter. But some tells me you have. We'll see. Did you go to college? Yes. Then you probably read the Bible in college.

Like for like philosophy or something? Okay. Well, no. Okay, cool. You never took that class? Like psychology, philosophy? They don't make you read the Bible in psychology. And philosophy they do, brother.

Maybe? I don't know. World religion is the study of world religion. So, I mean... I love... Learning about religions, fascinating. Yeah, I love her. It is.

But like, the lady... Specifically, the lady would say, hey, you need to read from this passage of the Bible or this passage of the Muslim book or whatever. So that's why I said it. No, it's fine. I mean, I believe in God. I don't know.

I've always struggled with it. I don't know if I attached myself to a certain religion, but I mean, you guys are a bit interesting. Do you believe in Jesus, though? Well, it kind of goes to the full package. But either way, you guys are... It doesn't go with the full package. Depends what package is subscribing to.

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Fit for your ambition for Citizens Bank. That's what happened once, by the way. Actually, we talk to everybody. We don't try to convert them. They just want to have a nice barbecue and yell at us playing tennis. In hindsight, though, we did pass out chips and drinks and they love that end donuts.

Listen, we're there to preach the gospel and give the word to tell them to forgive and repeat. If they want to come, which they all come, because they want to receive Jesus in life. Were you there with a loudspeaker? Yes, sir. With microphones and everything. Hey, I sang a song. I love when people disturbed the piece.

I sang a song that I wrote. I did too when I went to Miami. I was like, I want to go to these clubs. And they're like, oh, God, Jesus. I'm like, oh, my God. It's all like, Jesus. And it was annoying there too. And it was crazy because I knew that I wouldn't.

Dude, we went to all haunted house for a Hammer Elite Stream the other day. And there were people that I'm assuming are like you outside protesting it. Oh, yeah. Are you anti-Hllowing? No, yes I am Because we did celebrate Halloween The shoe there Is demonic

So who gives the fuck We're dressing up as Are you lukewarm It says that God will spit you out of your mouth If you're neither hot or cold So what do Dude it's funny It's candy and costumes

Are you You win and God No It's it's Michael Myers They kill Michael Myers The villain in a movie You want to hear something funny though

I love Chuck you and all that stuff Going over change We had a shitload of Halloween this year? Because it was his fault and he wanted to do it. Halloween's fun. It's a kid's holiday. It is.

And the kids got scared. Who cares what the award? Even if the origin was, which I don't even know. It doesn't even matter. Do you think people are celebrating the origin? Some people are. You don't know.

Oh, I'm sure there's a couple weirdos that sit around a fireplace and like, yeah, do witchcraft. You know, all excited like you guys can afterwards with a gift that we're providing you. Oh, thanks. Yeah, I give that to me. I'll pay it when I was little the OuGie Board.

Oh, fuck is that, bro. It's a OuGiGee to communicate. Yeah, but anyways, we're not going to do that. Matt's actually going to go back to you and I touch it. So get your germaphove thing out of my face. I'm not a germapho, but I don't like touching people I don't know. What the fuck is that? Can you touch it?

I don't know. Let me see that. It's a Luigi board. I'll put it when you're little. You can talk to spirits, whatever. But they're demons are not spirits. This is like the Timo version, though. Yes.

Are you that? Yes. You see the curls on the top of my head? We rebuked that in the name of Jesus, by the way. Absolutely. Amen. A game. So Halloween.

Candy and kids. God, he'll play games. Are we talking about finances or spirits? You know, people just literally move it to fuck with each other, right? And it's literally a demon and a portal that opens up for you to, yeah, keep cussing. We're trying our best to keep cussing. I'm not. You called it a Luigi board, if I'm not mistaken.

No, OuI-J. Ou-U-I-J. It's not Luigi. I love Luigi, though. We do. Mario. Welcome to Mario card. Oh, wow, okay.

Oh, good. Yeah, that's great. Okay. Anyway, just how much time are you committing to loudspeaker? You guys must have annoyed me when I was walking out of ACL, and you guys were sitting there just like, whoa, rap music is Satan. Oh, no, we go hard for Jesus.

I know you do. Yeah, I heard the white girl laugh. But then they were like, we know this because they know the word because they're grandparents. So you were there annoying me. Yeah. Yeah. If you were annoyed by it. Everyone was.

If you were touched by the Holy Spirit, you would have came to me and you were the heck in reach my mom. No, I was touched by audio. I didn't consent. to on streets that I was walking. Here's the deal. Here's the deal. It's not for annoying people. It's just to show people that, hey.

Except it only annoys people. Whatever God calls us a total. No, yes, it is. Okay, no, but here's a deal. How come on Sunday there was people coming up to us and begging us to pray for them? How come there was a whole? Were they annoyed? They were already religious.

They're already religious, dude. How can we have processed? She squirming and saying, Geneva, she's tripping out has demons in her. She's not, she's not, say. How is it not annoyed for LGBTQ? She was smoking. Because one become annoyed when they're begging for your help. Listen, watch this.

Others that are annoyed that are trying to enjoy their day, probably have relaxation in the park and look at the park. It's beautiful. Probably that we get that. You don't go there, do you? Oh, yeah, we will. That big O'Don. You go there, don't you?

I have a whole team that's totally a concert there. Yes, yes, ACL. ACL last time there was actually... Do it. I will call the police on you. Go ahead. Actually, no, I will snipe you from my house. Oh, you don't know.

I'm the sniper of all snipers, bro. I'm the American sniper that was on the actual movie. No, if you are actually... serving the peace from all the nice, peaceful children? No, it's a band that could be there anytime. You just have to book it. Oh, thank goodness. I can get the H-O-A to not let you.

Oh, yeah, you could try that. I got a lawyer too. As a part of it. Yeah, I guarantee you my lawyer owns your lawyer every day. You wouldn't even know the day. Are you all in like a publishing contest right now? I mean, I actually would. No, you wouldn't.

Okay, anyways, okay. I actually would. Okay, that's cool. And we would actually rule that out because God is sovereign and he's in control. I would say the HOA decides who goes. Exactly. And are you that HOA for houses too? Okay.

Wells Fargo card. What's going on with it? Is that the 1500 one? Or just your car in general. That's the only one I have I've ever had. And I got that because... Oh, it's over maxed out. Over maxed out.

Over maxed out. It is by like 20 bucks or something. So, yeah. And I would do it again in a heartbeat because we kind of honeymoot on that. You went on a honeymoon on this? I mean, well, like, we went on a honeymoon. A team one. Where?

You set up a loudspeaker? We actually went back. In someone's neighborhood where they tried to have a good day. We actually went back to Crystal Beach and hung out with my dad. Yeah, yeah. Nice hotel, the beach. I mean, there's like four-wheeled. We had the kids with us, too, so it wasn't like formal honeymoon.

But like, and honestly, I had spent all my money on that, and then I got the credit card when I got back, and that's how we paid our bills. But it was for the honeymoon. You know, here's the interesting thing about that neighborhood. And we're bleeping in the name of the neighborhood. So we don't docks myself. But here's the interesting reality of it, even though, yeah, I believe in God.

Okay, cool. I guarantee you, because I know the voting demographics and everything in that neighborhood, no one there, including the HOA, actually, they're all f***ing atheists. They are never going to let you set up. I don't care. I don't care.

No. Do it until they, like, say, get out of there. Yeah, because security is patrolling 24 hours a day there. They will arrest you in five minutes. But we are controlled and God's... What does that have to do with Wells Fargo? We are protected by God. If God calls us, we're protected.

So we're going to do what the LGBT community dues does, right? In front does. I've never seen them set up in this neighborhood. They just had a whole protest for the king thing or whatever. That was downtown in front of the Capitol. That's where people protest every day. Exactly. I can go to the Capitol and protest too.

Yes, you can. We expect that. Not in a nice peaceful neighborhood. I don't care. Well, you should because you're being a dick. Okay, that's cool. I am a dick. But the thing is is that.

Great. Why embrace me in a piece of shit that ruins everyone else's life and community? If God calls me to go to that place and preach the gospel, you're just wanting to do it. and you're using that as an enablement to do so. God uses me, and when I am called, I go. And so wherever he calls me to go, I'll go because of stuff. You named that neighborhood.

He told me to go wherever I need to go. I named that neighborhood. I'm not going to go there all the time. Wherever I need to go, I go. And someone will hear. He wants me to go there because he knows someone's going to be saved in that date, period. I am glad that we are able to tell the security of that neighborhood that if they see a person's face that they have on their phone to kick them out.

That's hilarious. So we will make sure. we implement. I'll put a wig on and you won't even know it's me. They will hear you. Okay, well, I will talk about. Trust me. I got so many voices.

I can literally be either country or... Oh, that did not change anything. Oh, um... Okay, your minimum fee payment is $25. Why are you over the limit? Say that one more time? Your minimums to payment is $25. Why are you over the limit?

Uh, I couldn't tell you why I'm over the limit. Because they let me? I don't know. My last... No, I spin at all. No, I'd say it's because you weren't making your payment for a second, and the interest pushed it above the limit. He did miss me.

I'm 76 back now. What? He did. Because I, because. Huh? He paid. What does that mean? And let me finish.

I don't know what that means. What, what do you? He's baking payments on the, I'm 76 back? I'm 76 dollars behind in my payment. My payment is $14. I missed two months. What happened?

She lost her job. Lost? You got fired. Well, no, she quit from the, whatever happened. I don't know what happened. What did you? It was, I lived in a hundred. Why, because you were being a slave?

She didn't want me to go to my wedding on the neighborhood. So not only are you not a productive member of society, you go ruin the neighborhoods of those who are. I have a serious question because I'm really trying to figure something out here. So she loses her job. I barely make enough money to pay the bills and pay my rent. What do I do? Do I pay my bills on my rent or do I pay my credit card? I'm not complaining about that.

I'm asking you. Always roof over her. Okay, thank you. But I'm complaining about her losing her job and calling herself a slave for something she agreed to. Yeah, I don't give a damn if there's a, it's going to fuck me over. And that's... Oh, so seven times in 10 months? She even effed me over because she was like, oh, you should get with this guy.

He has a lot of... He has this much money. Seven times in 18 months. I mean, I'm with him, but at the same time, it's whatever. I'm not taking nobody's shit period because I have this and I have another thing for him. Have you ever been on government benefits? Uh, yeah. Let's make sure that never happens again because she is choosing this.

I am Republicans, so no, I won't be, but when I have to be, I will be. Knowledge. Unemployment, food stands, blah, blah, and I go to food branches, too. But after this. If you are listening, make sure she is never able to qualify for any benefit again because, one, she probably never pays into the system. Two, she chooses to leave. She chooses the life that she lives. Now you're just being a little crazy.

What? Yeah, I mean. She leaves jobs every couple months. And I agree with that. But also at the same time, she goes against another one. You know, it's not. Yeah, for what it's worth paying $28. Paying $28, no income tax date, she doesn't pay into the system.

Yeah. Whatever taxes she contributes are so beyond minimal. She gets more than she gets. I barely started getting them again. Including from federal, especially with all your kids, you get way more than you've ever contributed. No, I didn't because I only claim one. Even still, with your income, you likely get more.

With standard deduction plus child tax credit, listen, you're a part of the population that, and I'm not complaining about this, but if we're being real, only contributes 1% of the income tax in this country, the bottom 50% of earners. Now that's fine, that's progressive, that's okay. But don't complain about it.

Don't complain that you're paying taxes. Don't complain. Oh, you shouldn't get the benefit, though. You are not paying into the system, and you choose to quit. Now, if you get fired and you lose and you're paid into the system, then yes, get it. Because I want you and your kid to be good. I want you guys to be good. But if you're leaving jobs every couple months, fuck you.

I agree. I agree. For being a bitch and saying, oh, when I'm in love with my man to marry this guy that came in with billions of dollars, that's, what about you, leave your man? He's the FBI, but you're with him because he's ugly as fuck. He's an FBI agent. So you're going to be a goat digger? I'm not a go digger, sorry.

I could have had that many and billions in times. But I'd rather be in love than be with an ugly-ass, old-ass, Hugh Hewepner-looking ass, bunny-ass bitch inside of a mansion. He was dead. Yeah, well, he's dead now, but he had the whole nine-yard back in the day. And that's not me. I'm the real Hugh Hefner. No, okay, yeah.

Well, I was to say that I forgot his name. Anyways, okay. Okay. Well, I just had purchases or balance transfers of six. $630. I was joking. What was that mean? I didn't even hear what you said.

Wait, what? I had purchases or balance transfer of $630.30 in one cents. What the fuck? What is that? On what? I was hoping you'd tell me. No, but where are you pulling that from?

I'm asking. The statement of your card that we're talking about. That probably went to bills. That was for bills. Oh. Let's see. Can I see it? Yeah, I went to Dairy Queen,

stopping in the gas station and getting something, stopping in the gas station and getting some bullshit. Stopping in the gas station and getting to I agree, yeah. Top-notch, the restaurant, Waterburger, and built rewards card. Right. And then actually gas once, potentially groceries once, and then internet once. Other than that, it was all bullshit.

Hey, when you stop at the gas station, you get something for a few bucks, what are you getting? It's not a few bucks. It's like 40 bucks. No, no, no, no, no. That would be gas. When he stops in and gets something for $5.92. I'm usually on my lunch. What are you getting, though?

Energy drink. Well, stop it. Listen, okay, I have to do this. Every single time. Do you go to Starbucks or do you make coffee at home? I make coffee at home. There you go, because that saves money. I make instant coffee.

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A lot of the times, too, just to be honest, I'll go to the f*** gas station because I'm bored. Like, I have a hobby. I have hobbies, but like, but I'm saying like, instead of sitting in my car, because I will bring my lunch most of the time, she'll pack my lunch, whatever. That's good. But I'll just go to the store just to fuck off on my lunch break.

Through a park, walk. Truth. Yeah. But at the same time, make your energy drink, dude, 25 cents to serve. Yeah, no, I agree. You cannot afford this and it push you above the limit. You're stopping in and getting into bullshit endlessly. Yeah.

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Because you want a card that builds credit, right? Right. But at least that acts as a debit card. You can't spend more than your checking account. Because this unlimited ability to spend is fucking you. So it's meant for people like you. It's okay to not be a credit person. You don't need to.

It's not like a woo, yay. Like I'm in like you don't need to. Who cares? Yeah, we just want to look credit. To be able to, yeah. Now you have debts to other people. Well, you both do, actually. So James, you owe $2,600 to someone.

What? What is this? He paid my writ last month. And like, we don't know. Let's not do names. but like what's the relationship? No names. Oh.

We believed it. What's the relationship? I, um... Sorry. I met him on the neighbor's app and he... So it's a neighbor. I work for him. So this is an employer?

Through the neighbor's app, he needs, like, he bought a whole toy store inventory and he has it in these... You get gigs from the neighborhood app. Listen, shush. He has it in these storage units and that's what he's like selling it. So I go and help him move shit and... Now, why the fuck you own 26,000? He paid my rent last month. Oh, why would he even do that?

He loves him. Because he told me that, because I'm like, you haven't, like, he told me when I first started working for him, like, I've been where you're at, you're a hard worker. He's like, and people have helped me out. And so that's why I'm helping you out the way that I am, because he would always overpay me. I'm like, are you sure, man?

And so he's like, now when you get on your feet and you're able to help other people, it's your turn. So that's the only reason I even felt. That's nice and kind, but. He's the only reason. That's the only reason I felt comfortable enough to ask him. We hate barring for people, period. But when it's crunch time and we do bad things.

What was I supposed to do, though? To get this way. I mean, he could have said no. We have lifelines. And when you said you will never lose your house, here's how close you are. Barring someone. We were. No, no, no, no. And still are.

And you will leave this job. No way you don't. Come on. Bad and average, let's go. You have no idea. Here's the reality. I don't give a, doesn't matter who. Here's the reality.

This is how close you were. And it only takes so many times until people will not lend you money. or talking payday loans, then you're not even able to do that. And then you're gone. Then you're done. You're closer than you think. And the fact that you don't know that

with one kid under the roof trying to bring three more. No, that's why we're here. That's why we're here. Well, then tell me everything. You tit? How can I give shit if I do not know the full picture? You fuck.

Tits, because it's two. I don't have one. But anyways, the thing is, it's like, if we were to do that, I mean, it's crunch. It's crunch time. We'll move it with a sister. We'll do what we have to do.

Move in with the sister. I don't want to do that. but whatever we have to do to keep a phone. Yeah, get enabled by that. Shout out by the way. Yeah, and, uh, yeah, anyways. So when it's crunch time. And what does sister think about this?

That she is the backup plan. She probably, she's not, she's not a backup plan and she probably would tell me no. Good. But at the same time, no, because that's how she is. Well, you spend 18% of your income on literal going out to eat. And what was it? 60% on miscellaneous bullshit outside of that. So minimum, about 80% of,

If your income was spent on bullshit last month, good, I hope she says no. You need to learn your damn lesson. No, I know. You want us under a tent. Over there at H-O-A. I'm going to park it right there. You're a Republican.

He wants us to fucking. Well, now, because they change the laws, but, yeah. I will learn for a tent just for you since you're trying to, like, say, you're, I don't know. What are you talking about? I don't know. He wants us to budget and pay our bills and fucking save money. No, he's saying that he opens, his sister says no.

Yes. After today. He's saying enabling is wrong. Yes. Right. I know that, but I'm just saying because you said that, I will literally put a tent right under. But here's a deal. Can I see something, Caleb? I'll leave.

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Listen to just takes a few minutes and it is free. Figure out where you stand in the world of money, Calebhammer.com. Although that man did enable me for, you know, pay my rent, I've never had that in my entire life. so I don't see that's a wrong thing it's just like an eye-opening thing. But it is wrong because we shouldn't borrow with people we should be able to manage our money I understand.

Should I be able to choose you not to? Shut the fuck out. Exactly. Do you owe money to a minimum payment to this guy? I'm going to pay it out through work. But he said... So is there a agreed upon minimum monthly or like what is... No, like I'm going to pay it out through work.

Literally. But what did he tell you that he doesn't even want him to pay? He's like his son. Like because look, look, I try to step... But we are... Hold on, babe. Hold on, man. Let me talk. Whoa, but he said we don't have to pay it back, but we are.

Shush. Shut. Shut up. His turn. I tried to set up. They're both on the show. Shut up. God bless.

I tried to set up a monthly or weekly plan to pay him cash, and he absolutely said no. We'll just pay it through work. Okay. Through work. So you doing labor? For him, yes. Okay. So it's a long-term gig with him that I'm going to pay it back throughout my time.

You owe someone $500. What's your relationship? That is my grandmother. Okay, why did you do this in one? She bonded me out of jail. Probably... What was that? It wasn't that long ago.

I mean, a couple months you got drunk? Yeah, we're not going to talk about... No, no, no, no, no. Why'd you go back to jail? I was drunk and a disorderly. And I didn't fuck with your... I don't know that. He's still going to court for it.

I don't know, bro. You're going to court for it. I got court on the 17. It's going to be dismissed. Why? I have a good lawyer, and he said 99% dismissal on the charge that I have. Yeah. That's his record.

And plus... Public defender? He is a pro bono, but at the same time, that's not what he really is. I got a good pick. I got blessed on that. He said that...

And you wanted to think your lawyers were going to be better than mine. He will do what I say, and I've already won a case before. Oh, do what you're saying? Good. That's a horrible lawyer. She doesn't even have a f***er.

It's Keith Taniguchi, by the way. Shout out to Keith. He's an amazing lawyer. Anyway. Anyway, look him up. He's cool. He's Chinese. So $500 to my grandmother,

she bonded me out. we did agree that I was going to pay her but then again she lost her job and stuff and so I Your grandmother lost her job Oh she lost her job and I wasn't able My grandmother is just retired But here's the deal

We're fixing to pay off our phones And my grandma's phone just broke so I'm going to give her my phone For the 500 Why'd you go into drinking? What happened? It was a one weekend thing and I've Well actually it was two weeks in a row What fell you into this?

Her ex-husband came to my house on her son's birthday and got hammered drunk and I beat him the fuck up. And then the next weekend I was like, oh, this sounds fun. Let's do it again. And he loves to fight. Why are you accepting drinks, knowing your addictive personality? I'm no longer doing that. I know, but it was a few months ago.

Because this dude, this dude was trying to bully me in my house, so I got on his level, so I got on his level. I don't know. It was a stupid mistake, but at the same time, I wouldn't take it back. He's an idiot. He likes to fight. Yeah. So is there agreed upon minimum to grandmother or what,

Does this look like? I already paid some of it back. But when she lost her job, I wasn't able to do that, or I would have missed my rent. My grandmother just wants it back as soon as possible. I agree. Okay, who do you owe $1,800 too? That's my brother. For what?

He took care of me the whole time I was in prison. Is there agreed upon minimum with the payment? Absolutely not. I mean, he's fell off the wagon. Now, he was nine years sober. No, no, no, no. Yeah, he lost his job. He was making, no, no.

I don't know what this means. Sorry, brother. Anyway, it's roll. Yeah, because you roll it, yeah, because it... We're not going to get into fucking logistics. Sorry, I don't want to go down to that. You can smoke it. You can smoke it.

I've just never seen this before, so I didn't know. Yeah, yeah, he's... The shit, the shit smokes when it hits the cool glass, so you heat it up and then you put it on the cool glass. Okay. See, that's what worries me. Don't ask questions if you don't want to know the answer. No, no, no, it's okay.

I just don't want you to be thinking about it all the time. He's not. I don't... I think about her, that's it. Whatever just over here. But the fact that he went from eight years over to get 10. No, no, but, like, no, but he had, sorry.

I just don't want you to, I don't want you to go down these benders on a weekend basis, because what if drunk you accidentally picks up a pipe? But here's the deal. Exactly. My whole life, my whole life, the examples I was given is what not to f*** do? And some things I did not take heed to, but by him doing that, he's teaching me a lesson in itself. Exactly.

So is he fuck right now? Yeah, no. Dude, he's a journeyman plumber. He was making like $40 an hour. They bought him a whole set of trucks and tools. and everything. He had everything he wanted insurance. He just got a mortgage with his wife, and he f***ed off, and he wrecked his truck when he burned off. He, I'm not going to say, he's been asking me for money. We don't want to docks him, but. He's been asking me for money and stuff,

and so. And don't, don't, don't, and I have done it. I had done it. I had done it because, dude, it's my brother, and I don't care if he buys, I don't care if he buys a cheeseburger or if he buys a 20 sack. It's my brother, and I love him. So nobody, everybody else has cut him off as far as my sister and his wife. And so... What's his way back? His way back is to go home. His wife loves him.

He might want to. He was 10 years sober. I hope so. It was an accident, right? We're hoping that. Like, I assume there's a bigger. He has mental health issues and they put him on Adderall. He started abusing his Adderall.

He put a addict on Adderall. He went in there and told him everything. I'm f***ed. My parents, my parents, fattics. Put him on Adderall. He started abusing his Adderall. And that's what took him to the place that he's at. That's insane.

He also moved in a friend into his house that he didn't know was on drugs. and he was getting it ordered in through the mail. And then, yeah, shoot him. Kill him. Plus my mother dying. He doesn't know how to deal with shit like that. Yeah, that's hard. That's where we got to keep extra caution around, you know, people with addictive issues, obviously.

But, like, me and him are two totally different people. But my goodness, the fucking Adderall thing's insane. I agree. I'm surprised he even, like, accepted it. No, well, like, I mean, when you're down, I don't, I don't, I've never been in the place where his mind is. I know. Process shit. But Adderall is, I mean, it's like, no, it's, Idaerol is the most purest form.

you can get. Trust me. Moving on. So no minimumity payments to him. Yeah, never. That would be bad. Yeah, definitely. But you owe $5,000 to someone, who?

My mother, because I needed a Camaro because I had a car that wrote down my sister and I wanted it and I wanted that. But you wanted it! Because it's fast and I'm a fast driver and I want to be in the woods somewhere and go like 200 miles an hour. I hope next time you're racing somewhere to set up a speaker in a peaceful neighborhood, you crash

into a tree. Heck yeah. I rebuke that. I love it. I rebuked that too. Yeah, me too. Me too. It's okay, but I love adrenaline and I will literally get on every ride, skydiving in the world.

Great. So your mother gave you $5,000 for you to be a selfish cunt. Okay? Great. So that's wonderful. She loves me and I love her and I'm a favorite. Sorry about that, sister. She does.

You're her favorite? She is. But she does, be quiet. Let's not keep going with a favorite. They might see that they can get upset. They know. They know. No, but she should do it.

Why possibly? Are you? Anyone's favorite. Hey, her mother enables both her and her youngest. Has been for years. Do you have an agreed upon minimum payment with mom? Nope. She doesn't care when I pay her.

Of course, that's great. And this speaks to why you are where you are today. But I do have notes that she's on my list to pay her because I don't care if she says, no, I'm still going to do it because that's the person that I am. Are all your kids black? No, just the last one. Half and half. I just saw on there, which is not a bad thing.

I just didn't want you fulfilling stereotypes. No, this is my man right here And I really No, gorgeous kid, gorgeous kid My other kids are super white They're Irish We're not race judging I was just curious

And I was just curious And I want this baby So yeah I was just curious If you went to Literally the whitest man possible Because of I'm just saying

Because yeah I love it So 5,000 dollars You owe to someone else too What is that for? That's for a car Yeah My car that I have now The father of my daughter

Not the Camaro She doesn't have the Camero I put that back My daughter didn't fit So you owe 5,000 You owe 5,000 to your mom for a car you don't even have. And now we have another $5,000

for a different car that you do have. And guess what, that $5,000 is not even in my credit, which is crazy. What are you showing them? No, because my daughter, my... Not that daughter.

Yes, this daughter did not fit in the car seat of the Camero. It's a Camero! It's not a motherly car. I had to get another car, cash car. My daughter's dad will never leave me in the streets

and will never let me be without a car. That's her first daughter. Yeah, but he is a nice guy, so he's like, here, 5,000. She thought this was for a French Bulldog. Oh, I have that one, too, but there's another 5,000, right? There should be $2,000.

She didn't borrow money for the Frenchie. She put her gold that I got. Huh? Wait, you what? You pawned your dog? No, she pawned her gold to pay for the dog. She borrowed $5,000 to pay for a car two times. Okay, so who do you owe this $5,000 to?

My daughter's dad because he paid it so that I can have a car. That was just like three months ago. And an income tax. This just happened. Yes, bro. And I give it to him when I give my income. tax, I will pay it all off. When you get your income tax, as in the check that I write, that's great.

All right, cool, thank you. I'm so happy we're doing this. I'm so happy our society is like this. You know, by the way, fun fact for all of you out there, even the most progressive European countries have a less progressive income tax system than we have in the United States. They just have value added taxes. That's how they pay for everything, which is basically a flat tax, which would impact people like you more than anything.

So we are subsidizing them, her, and the choices she makes more than any other European country. Well done. All that went over my fucking head. Anyways, next question. Okay. Yeah. I don't even care.

Dude, when I pay for taxes, I'm like, oh, you know, I don't really care. I love this country. But then when I see this shit, I'm just like, what are we doing? Okay, baby daddy, $5,000. Huh? You're going to fix it? Huh? Hey, what?

Anyways, we're here. You owe him a minimum monthly payment. I don't owe him no minimum monthly payment. Hold up. Okay. Why are you to fix it? Okay. And then you owe $50 to who?

I'm not gonna be broke. You owe $50 to who, lady? My brother, I needed something because I spent money on something and I was like, I need to just survive until Friday. What was the four? Oh, actually, my sister effed me over and so she owe me 50 and he was like, I'm gonna pay that so you can have your money back. And so that's what, yeah, because he's my brother.

Okay, who do you owe $3,000 to? That was from a long time ago, for the rent. Oh, yeah, when I was like 18- Rents. Two rents are owed currently. Okay. A neighbor. That was like 19 years old.

Do you still owed or not? Yes. Yeah, of course. Well, there you go. So it counts. That's count. And I love her and she's so sweet. She Bobby Fraser.

We're going to talk soon. Balance on Gusto. Gusto is a payroll service. I know. Is there a balance? I have a spending account that I borrowed her. The Gusto? Yeah.

Yeah, they opened that up. It was new. You want to see it? Oh, you know a babysitter 100 bucks as well. You want to see it? Do I want to see your Gusto account? Yeah. No, dude.

It's really cool, actually. I'm okay. All right, well, don't ask about it. Babysitter 100. Listen, dude, I'll get you a course. I'll get both of you course career certification so you can actually go get like higher paying real career jobs. You just have to actually stick with one.

People in our audience have used them. They've increased their income. They've gotten better jobs. I will do that for you. I think that's why I'm here. Thank you so much. That's awesome. What? Career?

Yeah, like I just felt opportunity from this. You want to be on a boat though. But it doesn't matter at the same time. You're here because you saw a place to apply and you clicked it. I saw opportunity though. Yeah, there's a lot. opportunity and I hope you guys get your shit together and we'll give you a lot of free things.

All of our classes, the app, everything. Certifications and a lot of shit. But if you don't follow a budget, if you guys don't actually do shit, then there's no point of anything. That's why we're here. Oh my gosh. In your payroll spending account,

we got transfer transfer. Going and getting some bulls, Dreamers, lost amigos restaurant. Hey, he wants fun and the, come on, man. What is it? What are we talking about? It's a novelty store.

What? What is? Dreamers. Novelty, sex store? Listen. Novelty store. Novelty store. Hey. Oh my God.

We could have a dress-up time. Am I criticizing? I'm asking what it is. Yeah, I just told you. It's a novelty store, yes. Okay. It's a sex shop. No, you're asking if you know what it is.

Well, one, you can't afford it. You fuck. Who cares? Who cares? Who cares? Get the fuck off my show if you don't care. Well, don't go to strip clubs if you want to see some crazy shit. Huh?

What? I don't know. Did you go to a strip club? Yeah, I hate strip clubs. I've never, I've been to a strip club one time and it smelled like armpit. I like strip clubs, I've learned. Hey, it's your problem. Okay, but guess what you were trying to say?

That's when my body gets done, I can get the pole in the garage. Yeah. I don't want to go to that club. Okay, that you don't need to. You're not invited. I'm his playground. I'm taking. Taco Moore.

ADMV out of network. Going in and getting some bullshit. McDonald's, Apple Cash, Apple Cash, transfers, Apple Cash, transfers. To me, to me, to me. transfers, transfers, great. He's transferring like $4.50 at a time. Yeah, because if I transfer $450, I think

the one that says $450 is when I actually borrow the money. It charges me $450 to transfer. Okay, Sonic. Oh, so you're paying fees up the dick. That's great. Sonic Drive-in. I mean, I have to ask you this because you use this as an excuse for you guys to do everything that is bad for everyone else around you.

But did you hear a little message to do this? Hey, fuck your life I know, never Maybe for her I don't know We're like, okay What baby? I want this

She does it a lot Like in the middle Like, no I'm not gonna blame it on her Bullshit Apple Cash, Apple Cash Energy drinks Apple Cash Apple Cash Apple Cash Bullshit bullshit

Fock off fees Nails lashes Nails lashes Uh huh Uh huh So you owe Through this payroll service And it's gonna be

revolving I assume but currently 291. No, it's not. We need to quit the revolving gusto stuff. No shit. It's going to be hard to do that though right now.

Listen to me. What are you doing this? He's going to help us. No, what I'm saying? I don't fix shit. I give you a budget, but what if you actually do it is up to you.

He's not gonna. Then why am I sitting here? That's not the truth. That's not. She doesn't know what the fuck I'm here for. Okay, all right. Right. Okay.

What? Tell me. Dude, I wouldn't have came. if I was going to take your fucking advice. I hope so. Why is she saying this? I don't want to keep on borrowing

from gusto. Dude. You just get paid. If I don't fucking get a better job or get this... You have to do it. Yeah. Listen, listen, I'll be real with you. Doesn't even matter.

Because even with the income you brought in, you spent 78% of it on bullshit. So go quadruple your income. You'll still spend 78% of it on bullshit because that's your behavior. Your income is not a solving. For me to not borrow, I'm going to have to make more money a week. Yeah, that'll be a part of it, but also not blowing 80% of your money on bullshit.

You're just taking in for the last month when she didn't have a job. And so, like, before that, all my money was going to bills and shit. If you look at my other statements. Not with as many of late payments that we've had this year so far. Lots of transfers from this other account and the money were overdue on, what is this, a firm or something? No, that's cash up. That's her. That's her.

You're overdue on cash up. That's her. What do I mean overdue on cash-hap? You owe cash-app money. You're doing the revolving thing too, you tit? Exactly. I don't know, tits. Huh?

That's your cash app. How much you know that? Oh, you. I didn't know I owed cash app. What is wrong? $5? Or what? That's all I see.

What do you see? $308. Oh, yeah, that's true. I borrowed, yeah. Yeah, yeah, yeah. And I lost my job, so I get direct deposit. So usually direct deposit takes it. For Roku and Apple and some other shit?

Oh, what are we doing? What is the? That's me sending her money. Lovie Bird, yeah. Okay, so you sent her money for some bullshit going in some bullshit, some McDonald's, some bullshit, bullshit, bullshit, some McDonald's some bullshit, bullshit, bullshit, bullshit, lovely bird, lovely bird. What's lovely bird? That's her. My mom, we were the only being lovely being lovey birds over. Bullshit, bullshit, bullshit. Oh, this is just so stupid. Bullshit McDonald's going to even some bullshit.

She's just giggling about everything. I'm losing hope here. Oh, what is this? Collection? That's her, not me. Oh, yeah. You have collections? Yes. I'm so glad my taxes are going, do you? Oh, thank you.

And guess what? It used to be like way more than that, but seven years it drops off. So I was like, thank God. Do you even give a fuck about this? I did actually call the $1,000. Do you now? Yes, I do. I always cared.

And I know I actually do that by myself. Why do you have so much in collections? This is crazy. That isn't even half of what I used to have. So I'm actually... I'm asking why you have it. Can you listen to a question? Because I haven't called them and actually...

No, what made you get into them in the first place? He's saying, what is the baron? Jefferson. Well, I don't know what that one is, really. The $1,000 ones, I do know, which I don't know where the $1,000 one is. Dude, she fucking got, like, it's apartments. No, it's not even evicted, but I got a penalty because I left three bags of trash, and I couldn't renew my daughters because my daughters had her friends over,

and they were stealing in the apartment complex, but they're not my kids, but they came out of my apartment. So I had a violation, so I couldn't renew my buddies, so I had to move. And so I left three bags of trash there, and they charged me a thousand. Jefferson Systems, oh, these were my daughter's braces, lost my job, so I couldn't pay. People should never lend you money. Yeah, yeah, okay. And then I see systems. You owe $8,050 in collections.

Exactly. That's way better than $25,000. Yeah, great. So that makes it okay. Shut the fuck. Does it? I will. Not.

What are you? His wife. She's nuts. Poor man. She's very nuts. You love me. I do love you very much. But that doesn't make excuse the fact that you are nuts.

I don't care. I know I am nuts and I know it and I own it. And I accept it. And I love it. This is going to keep you sober? I haven't had a problem yet, really. 59 cents and someone's checking account. That's hers probably.

You're getting some bullshit, some bullshit ATM withdraw. My shit's negative. No, I got $5 next to you. I haven't used it in my Wells Fargo account. My checking account for Wells Fargo is negative because I'm... Well, it probably is now, but it was 194th us. And you're getting Etsy, Apple Cash, only cloud smokes slash Starbucks, Apple Cash, Santa Rita, canteen or something.

Lano money, McDonald's, Melrose, Apple Cash, going bullshit, bullshit, bullshit. Apple Cash, L, Takerito, Sonic, Taco, this is hers? Taco Palenke, Taco Polenke, stop hitting some bullshit. You didn't have a fucking job while you were doing this, you cunt. It's okay. I had a buddy in my account and I was hungry. Subs, subs, golden chick, urban. Am I starving?

Eventually. $25 is your minimum fee payment because everything else is this is fucking stupid and owed to people. It's just absolutely insane. Family. Rent, utilities, all that combined. What's your average payment that happens? On rent? No average on.

It's over two. It's over two bands. Yeah. Because like our light bills three, then the Wi-Fi and then the phone bill. I don't know if you're counting on. Excuse me. Yes, too. Can you stand up?

Sure. All the way? Yes. All the way? Get the fuck out of my studio. Really? Yes. You're too annoying to have a conversation with.

I am not kidding. I want to make him a budget. Sit down. I hope it works. No. She's gone. Here, babe. I can't have a conversation with her.

I want you to have a budget, and you can communicate this to her, or she can watch this back. I'll bring her back for the post show. So 2000 is average. Yeah? Hold on, that kind of mixed me up. For rent utilities and all the gist?

Can I just explain it out, like, how I can explain it? So $1,600 for the rent, then you got the light bill is going to be three-something. maybe a little lower, maybe a little higher. So I would say about 22, man, 22, 23. Okay, does that include the Internet? That does include Internet because we have a bundle with our thing that makes it $25.

Phone bill? Phone bill is a $200. Oh my gosh. Okay, I would definitely do helium. Once your phone is paid off, it's just a third-party phone service that is the same towers as T-Mobile. The phone bills have to be paid off. That's what I was doing before.

Good. And I was going through Tello, though. It's $25. You need to advocate for yourself. Healing, I think, is 15, so it works. I do, but you see what happens. Exactly, which is why? I honestly, I'm so sorry to tell you.

I do not have hope here. I really don't. I have to be honest. I agree, but like... But it's because of this. Well, okay, gas and from drive drive, drive, both of you guys combine. When we had two cars, because we don't now, I was spending 50 a week, she was spending 50 a week. But now that we're carpooling, it's still 50 a week, but just one set.

So I guess, what's that? $200 a month? Okay, 200. Car insurance? Car insurance? Fernando pays that, to be honest. Who's that? That's her first baby daddy.

Her first baby daddy pays it. Can you come to the mic, please? It's because the car is in his name. Okay, that's okay. Fucking weird. Okay, groceries. It's just you two and one kid, right? Right.

Okay, you can do, how old's the kid? Two. She'll be three in February. I'll do $6.50. You're meal prepping. You're warming up meals. You're following the budgeting thing. the budgeting.

You're using the meal meal plan that comes with the budget course that you get for free and use the budget from the cookbook to cook them as well. TPFON, anything else you and the kids need

175 medical health care. Anything, any co-pays on a monthly basis? No, neither one of us have any type of insurance right now and I've never had insurance but she'll get it through her job but I don't know how much that'll be

and it has to be after 90 days and then you know what happens there. Is there a gym? We have a gym at our apartment. Complex. Okay, good. Subscriptions, I'll try 40 bucks. You have any pets? Two pets, great perinies. Ages and health. Five and three. One has heartworms super bad. But I inherited him from my mother, man. What do I do?

$100 in pet insurance. You get that and you get them taken care of. Right. Because you can't afford shit. $100 for pet insurance. How much for pet food? We just got the other dog. So double it. I mean, probably 50. Okay. Anything else that needs to be in this budget that I have not put in there? This is a minimum survival budget. Yeah, I understand. What about like, what about like, I need to fix my car?

Like, does that go in there? Well, that's kind of in the TP fund. It's anything else you need to survive. It's tampons, it's whatever. So I put it in 175 and you just put that towards it a monthly basis. Like, let's see if we have anything left over. Okay, we technically do. If our income is 4,000, if you follow this minimum survival budget,

which is a hard budget, I'll be honest, you still get 385 left at a minimum monthly basis, okay? So with that, you might have to put that towards your car one or two months. Yeah. But that gives us the ability to take that and throw it to debt outside of when we need to take care of the car. And honestly, the only debt I need you to take care of is the Wells Fargo is the emergency. And Wells Fargo is 15, 14, 85, 385. You pay that off in just four months.

That's fine. Get a one-month emergency fund before that. So what you need is this $3,700 saved up. Ah, shit. Okay, maybe let's pay off the Wells Fargo first, then a one-month emergency fund. Can you elaborate on the one month? Yeah, it's what you need to survive for one month,

which is what, 3,700. So that way I don't have to borrow from that, man. Yeah, $3,700 is what you need. Then you pay off your Wells Fargo. That gets rid of your $25, minimum payment. Close it because you shouldn't have access to debt. And then other than that, listen, the weird thing with this debt that you owe back,

it's weird. Collections, we can just leave them for now. We can negotiate them at some point. Paying people back, we want to do it. But I would just do it low and steady and make sure you guys are actually just putting money towards savings until you have just about, honestly, $22,000 in savings because that is a fully funded six-month emergency fund.

So there's no more freaking out when people lose jobs. What we're doing outside of that is, yes, you are hyper-focusing on new career. I love this towboat thing. And maybe you can fund that with this extra money. Listen, if it goes towards funding that instead of paying off the Wells Fargo, I would even prefer that. but there is no point of you going and getting a new income and a better income if we do not learn our behavior.

Your behavior needs to at minimum follow this budget strictly as a household, which means her on board for a couple months before we start making any big moves because then if you bring in more income, you're going to end up in a worse spot. Yeah. But use that money, get a one month emergency fund,

pay us the little spargo card, get that certification or whatever it is that you need for the towboat. Do the towboat thing. your guys' income will double. And then with that, we start stuffing money aside to get $22,000 in an emergency fund.

Then we start paying off these individuals highest priority first. You determine that based on relationship and who needs their money. And then from there, we start making sure we're at least contributing 20% to investing on a monthly basis. But that's going to be a couple years down the road

at that point, because you're going to be paying off people for a couple years. And that's okay, because you don't need to rush that hyper. I need you to get that fully funded emergency fund first. And that's going to take a little bit of time. when you double your income that will help. There's no point to doubling your income.

If right now you do not follow this budget together locked in, appropriate communication for at least a couple months proving you can do it, okay? All right. So that's what I think. I agree. But like nobody's ever sat down and explained this to me because my parents were horrible. Yeah, and that's okay. So that's why I'm here.

I agree. So this right here, I'm going to follow that. No. I hope so. But she needs to as well. And here's what I recommend. But if I can follow that in my own account and do my own accord, and hopefully she'll just follow it.

Because a part, listen, the vast majority of the income right now is actually coming from her. So we can't do this unless we're not combining it on the same page and our relationship will not last. So we shouldn't even have kids if we can't do this as a combined goal. So next step that I recommend right after this and no one likes classes, but we have five classes. I love that. However, I need you to take them together, take the quizzes together, the debt class and the budgeting class. Budgeting class first, then the debt class. I need you to take those too.

Eventually you guys will do the real estate investing all those courses. But you need to take those so you guys learn your debt skills. What's good debt? What's bad debt? What debt you should pay off? What kind of debt you should take? And budgeting. It is a nitty-gritty multi-hour how you budget and build it for your life.

Take it. Go through it together and see if you guys can be aligned. How much does that cost? It's free for you. It's free for you. How do I schedule that? No, we'll send you an email. Okay, cool.

Yeah, you get full access to everything, including dollar-wise, premium, course career certifications, Fis card, helium, all that goes on. Everything we give it to you. So you have all the tools. Now it is your choices to take the tools and do what you want with them.

I just hope it's for the best. The way that I see it, Caleb, is, and I know that you don't have this hope, but I think that I could make... I think I could make her do anything that I do. I hope so. We'll talk about that in the post show. That's what we're going to go do right now,

but let's get the Hammer Financial Score first. What's the post show? show. Oh, it's an extra 20 minutes and we're going to bring her in and the producers and we're going to debrief and you're going to have to convince her, man. That's going to be the big goal. Because now we have the plan. Now you need to convince her. Are we going to intermission me for that? Because I really have to piss. We can. But Hammer financial score. Spending her to budget, you guys overspend, zero out of ten for that. Debt, you have collections, zero out of ten. Emergency Fund, nothing in savings. Zero out of ten. Retirement, zero out of ten.

Hammer. Financial score, unfortunately, zero out of ten. Get yours at Calebhammer.com. Now click that join button. Join us for what I assume is going to be an insane extra 20 minutes of this show and every other post show and three premium shows posted every single day Monday through Friday by joining Hammer Elite by clicking that join button I'll see you guys there we did not discuss one of the deaths what now we bought some furniture uh last week it's a badass couch from TikTok I'm sorry I'm tick to TikTok or something that's for the bedroom what happens after six months if you guys don't pay it in six months it doubles it doubles it doubles

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