Financial Audit - Scumbag Admits To Beating His Wife | Financial Audit

Episode Date: November 12, 2025

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Are you fucking beating your wife? Uh. How many times did you put your hands on her? Twice. Oh, my, fuck. I don't even know what. I genuinely lost it. Have you found a new lady?

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Take the trial and learn more at Dollarwise.com. I'm Tony. I'm 28 from Peoria, Illinois. This is Financial Audit. Yes, sir, it is. Thanks for coming down. I know Peoria. It's a good time. Cheap area for sure. This is the top five reasons not to be. of your Peoria. You should be, well, actually, it depends on your job and income. What do you do? I'm a technician at a factory in Illinois, and I work on anything that comes off the line that requires repairs or damage along the process. That usually makes money, right? What are you doing? So, what are you making? I'm making about 2,000 every two weeks from that job.

It's what hits your account? 2000 every two weeks? So 4,000, you know, it's not like the most thrilling of all the incomes in the world, but Peoria, you know, I know well, you can live a pretty okay life on $4,000 net a month. Well, especially when I'm, I'm actually get VA disability, too. Oh, okay, what you do?

Like, job-wise? Yeah, what are you doing in the military? I was a tank mechanic. Yeah, blowing shit up, except fixing the shit that would blow shit up. You'd think so, but, you know. I'm not blowing up as many things these days, okay? And in the Army,

Marines Army. Yep. Good. I was actually at a service and recovery unit, so I didn't really touch the Abrams when I got in. And what happened? What's your disability? Oh, when I was in Basic, there's like phases, red, blue, white and blue, which red's, like, physical. During the first phase, red phase, I took, like, a 20-foot fall onto my knee.

Why did you do that? There's a, there's a rappelling tower called, like, Eagle Tower. And one of the parts on it is, like, a German wall, which is, like, a wall that goes, like, straight up and there's like a rope. I went up the wall, got to the very top and couldn't transition. And they told us to let go if we feel like we're falling so we don't have our hands on the rope because we weren't wearing

gloves. Because, you know, army. Is it your immense amount of gravity? Yeah, pretty much. Yeah. I was actually a lot skinnier back then. Like, I was like... Okay, so what hits your account from via disability on a monthly basis? About 1,500.

So you're not 100%. You're, what are you, like, 25? I'm actually at 60%. Oh, which I know you hate it, but... Hate it? Yeah. I hate what? I know you've only had one person on the whole show that hasn't had VA disability.

What do I hate? You hate, well, you hate that, um, that people abuse it. Don't, you? Not necessarily. Abuse. You use the word abuse. You don't hate abuse? Well, people abuse the system.

Like they... You don't hate when people abuse the system? No, I'm just saying. You, you, you... You hate that people are abusing it. Do you not? No, I'm just saying that you do. Okay, yes, I don't like when people abuse welfare or disability or student loans or Pell Grants or any system.

No, you're right, and we don't have sacred cows. Sounds like, I mean, you actually became injured in what you're doing, so that's why I didn't comment on it. And anyway, what's the point of that? Trying to vindicate myself, basically. why I deserve the disability. I don't know. Did I push back against your disability? No, it's just my own issues are, you know, self-doubt, you know.

What, brain damage from the fall? Oh, yeah, definitely. Uh-huh. And probably, you know, other things. Okay, I guess you even brag to Colton that I would probably hate that you're on disability. Why would I hate that you're on disability? Uh, you got injured. in your service.

I want you to have disability. I want anyone who becomes injured or faces mental things through their disability to get even more. The only way to do that is by shutting down those who went and got coached on how to get disability for their acne or things that didn't happen in their service

to be like, no money for you. And let's give money to everyone that needs it and even more so. It's funny to say that because when I was going through my medical side, like the physical evaluation, they only gave me 5% for my actual hip injury. And the rest, and then after I got through the physical process, they're like,

would you want to see a therapist? And I was like, yeah, sure. And after talking to the therapist for like an hour, he's like, I think you have anxiety and depression. And that's where like 40. It correlates it to the military? Because a lot of people have anxiety and depression outside of that. Oh.

Yeah. Okay. Well, good. I mean, you're working on lines, right? Um, no. So where I work, we have bays that everybody, works in and basically anything that doesn't require a lift, like a lift to lift the vehicle we're working on.

I do anything besides like drive units and batteries. So is it physical? Yeah. It just depends on what comes into the bay and what we need to work on. But your job is physical. Yeah. So your injury is not preventing you from doing your job? No.

I would say, I would say no. Okay. Okay. So $5,500 a month. Good. Again, Imperialia should be doing well. Go on. I also have a roommate that pays about $800 a month.

Okay, plus $800. Why the fuck are you here? Well, I actually went through a divorce because of a Pokemon addiction I kind of got into. The fuck is a Pokemon addiction? You know, COVID sitting at home all day. and COVID. Yeah, I know. That was a second ago, big guy.

Big guy. Hey, long COVID. Haven't you heard of it? I mean, long COVID, man. Same thing. Just with debt. That sounds like the dumbest thing

I've ever heard. Long debt? You have long debt. Yeah. Just like a lot of people. Wait, no, no, no. Explain this divorce Pokemon, whatever the fuck.

If that's what got you here. What the fuck you're talking about? It's, it's, it's, That's a part of it, but I'm also kind of struggling with buying Legos and it's like a whole other addiction. Yeah. Yeah. That cures your anxiety and depression, I guess. It's very therapeutic.

One little piece of time. Yeah. Everything's cope, so. Everything's computer. Uh-huh. So what the fuck was going on? So, me and my ex, we got married.

And, uh, just a military marriage, you know, they go quick. Yeah, yep. Well, and we, we, we got together. We met each other when we were in high school at a job. And we were together for like two years till she got out of high school. And then I was already out in the military, because I was a year ahead of her. Yeah. And, um, part of her.

Mm-hmm. Yeah, you know, grooming. It's funny. Go on. Keep going. Um, so we, we, we, once she got out of high school and I, I was already out of the high school for a year. We got married and we were together for four years.

Boring! And he said that I had to tear my labor room and I needed it repaired. Even then, I kind of had, I started spending on Pokemon and I wasn't as bad as before, like, COVID. Well, okay, well, you weren't as bad as you were before? What do you mean before? Like, what is your Pokemon? I'd like buy a pack or two and then. Sounds like cigarettes.

Okay. Yeah, pretty much. Every day, just one pack and... What? A pack, strip it through, you know? Hope for the best. Actually, that's... A f***ing, that's insane.

Uh, yeah. But it's the cost of a pack! It's like three bucks. Yeah, but a day's insane. Dude, that's over a thousand bucks a year. Yeah, yeah, it definitely ended up. And it, I didn't feel it as much. Uh, and it was just, like you said, it was a cope, but, uh...

And also, I doubt actually at your income level a thousand hours a year is what put you under. No. I highly highly high. highly, there's no way you didn't spend more on Pokemon. Come on, you had to have spent much more on Pokemon than that. Well, so when I got out of the Army, I went and I was a contractor on base working on... I have the number. 15 grand.

Yep. 15,000 on Pokemon. Yep, and I'm still paying on it. You're still paying on Pokemon. Pokemon debt? Yep. Sell your fucking! I did, actually.

I sold it. You already did. What did you sell? So I, when she first. found out about it and she found out how bad it was. It's like a collection you're acting. And I was hiding at like one too. But really? Where were you hiding the Pokemon? So we had an attic area in our house and I'd just shove the box in there. That's insane. What was the intent of the Pokemon if you had to hide them and you couldn't even like play with them? Well I I got really into

like the Pokemon collection and watching YouTube videos and seeing the values. I, yeah. You didn't even get to enjoy them. Baskin their Glory. Well, I had them in like cases and like kept them so that they wouldn't get bent. And I had them.

And so in the attic area that I had like my computer in front of it. So I was like, I'd move my computer out and pull it out. You had your computer in the attic. No, no. So the upstairs area, it's like a large room and that's where I kind of like had a gaming

area. And there's like a attic that, oh, a door to the attic where the AC was. You hid the access to the door with your computer setup. Kind of. That's crazy, guy. That is crazy.

And so basically when she found out, she said I had to sell them right then, or she was going to divorce me. So I took all the cards and just sold them at a pawn shop for like a third of the price. And yet she still divorced you. Yes. Lose, lose. Why the f*** did she divorce you?

Probably because my insane husband, is hiding behind a computer setup so I don't see a door to the crawl space in the attic area where he hides his Pokemon's like a dead body. So basically like... How'd she even find out?

Getting stuff mailed to the door, basically. I'm pretty sure that's why she saw one box and she's very bad at hiding addictions, aren't you? Come on, you go through all that link to hide it in your attic and then you don't even vet when things are coming? Well, it was like a two-year thing. So it took like two years for her to finally. Because she worked the same schedule as me and usually I got off a little bit before her.

So it was easier to just grab the package and pretend like it didn't happen. Dude, that's fucking insane. I hope you know that. Why'd she divorce you? So it was like two years later. And it was after I had gotten out of, like fully out of the military. And she was struck. I had started to go to therapy for like my anxiety and depression.

Mm-hmm. And I had a really bad issue of like just blowing up constantly about like the little things. And I got- feeding your wife? No. I wasn't the confidence of an answer that I was hoping for. Well, things got physical, but it wasn't me initiating the physicality. Uh, this is your opportunity to explain that.

Like I would Anytime we got an argument I would try to separate myself from the argument And I'd close doors behind me And she'd try to kick down the doors And if I tried to leave the house Or leave and leaving my truck She'd try to stop me from leaving my truck

Leaving them leaving And it went both ways I'm not saying like And what about your way? Because I'm only here in her way so far So there's one Yamava Resort and Casual at San Manuel is California's number one entertainment destination for today's superstars.

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And it's kind of hard to remember. He's every detail, but she, she, I think I got a little more like verbal. Like, like this, I don't like it. And she just got to ask me why. And I was like, I don't like it. I think it tastes bad. And it tastes like and I got kind of mean with it. And so she threw, it was like a, it was like a taco or something or some,

something with a tortilla, but she threw it at me. And I got up, and I was like, and I tried leaving, and she just kept getting my way. So, so she kicked me and I grabbed her leg and she fell on the ground. Uh-huh. Uh-huh. And then she kept kicking me, so I held onto her leg. Uh-huh. So you guys fought a lot. Yes.

And it was, it got better when I went to therapy. because I was able to like, if I got overstimulated, I could be like, hey, I'm getting kind of upset right now. Give me like five minutes to calm down and we can talk about it. And that was working for like two years. And then we got to a point where I just came home from work. I was like, hey, I'm going upstairs. I'm going to go play on my computer and relax. She's like, can I come up and hang out with you?

And I was like, yeah, that's fine. And so I had like a chair behind me and she sat there just and I literally just, turned on my computer and it wasn't turned on yet and she's like we really need to clean up here and uh i was like well it's bleeped it's okay uh i was like well you know i i just got home from work i just want like 10 minutes to relax like that's all i want and so she started like cleaning and i'm like i really need some time just calm like relax like today wasn't a good day just give me a few minutes and she just kept pushing it and uh i was like i'm getting really upset right now like just just give me five minutes to calm down.

And she did not, she would not leave me alone, basically. And I freaked out, started yelling. She called my mom and tried to get my mom to talk to me. Because you must have been freaking out a lot. You must have been raging. Come on. It was full on. It was like, I don't even know what.

I genuinely just lost it. And she called my mom and my mom answered. My mom was like, Tony. I don't know what's going on. Like, what's wrong? What's wrong? And I was like, you're what's wrong. You're the way that you were when I was a child is the reason that is basically blaming her for the rage and me freaking out like I always did.

And then she packed up and laughed or? No. She did leave to a hotel for a little bit, but then she came back. And she was like, I'm not happy. I don't know if I want to be in this relationship anymore. and she was like, I'm not sure. Yeah, who the fuck was happy in this relationship? And we talked about it and I was like, it's not like I'm happy either.

Like, I'm not sitting here safe. Right. So why were you trying to keep her? Well, so we were talking about it. And I was telling her like, it's not like I'm happy either. Like, I'm not saying you deserve me freaking out. And you don't deserve me, you don't deserve anything that's happened. I'm not sitting here saying that.

It's just I'm struggling. and I know you're struggling too. How many times did you put your hands on her? Candidly. Twice. What was the other time? I woke up early and I made her coffee and she was complaining about how I made it

and she was trying to leave so I got in front of her and kept her from leaving to try to talk to her because she was trying to go to work. And? and basically basically just keeping her from leaving like I blocked the door from her from leaving

But you said you put her hands on her Yeah unhealthy relationship in every way whatsoever To be clear And she was physical with you quite often It was I would say 50-50 No neither of you should have to be clear And you guys had a dramatic A lack of boundaries in every way

You wouldn't let her leave and force her to talk? Horrible. She wouldn't let you have a moment of space after you got home. Horrible. And then your guys' reactions to either of those,

horrible. Why the f- Would you guys be together? Of course I would say breakup. My goodness. Okay. So, Pokemon's, to be clear, not the reason for the breakup.

It's the... It's a fact. Hitting each other. Yeah. Uh-huh. Yeah. And now you're saying it, it's gone to Lego. knows? Yeah. Um, so basically my grandma, she got me a Pyrna Vigiza for Christmas with a light set. And ever since then, I've just kind of been buying. Last Christmas.

I gave you my heart. No, it's been, basically, yeah, since my divorce, about five years. You're divorced is five years ago. Yes. I'm pretty sure. I try to. And how much is the Pokemon My, um, continued since then. Because it was discovered two years before divorce. Divorces five years ago, so seven years ago. Yeah. How much is the Pokemon addiction continued? Um, I have some just stored away, but I haven't bought any.

So it's transitioned to Lego. Yes. Or the last five years. Tell me about that. And you're spending on Legos. Yep. You said you're just so paying for some Pokemon in here, you said. Like what the fuck?

You told me that. No, no, no. I said, I said I was buying a pack every once in a while. And you said I'm still paying for that Oh yeah well no I mean I'm still paying on it as far as like debt Yes what do you think I just said It's not like you said I was so buying okay and Lego So my grandma got me a Pyramid of Giza with like a light set

We got the light set pyramid of Giza yes And so basically I've just bought like one every once in a while and uh One everyone's one I don't know what one every once in a while means to you And also Legos are so Lego sets they're so They are insane they're hundreds of dollars hundreds if not thousands sometimes. Let's talk about student loans. I know it's something we all avoid talking about,

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That is AAA 973-3978. Break free from the high interest trap and get your finances under control once and for all. So you didn't get rid of an addiction. You translated an addiction to something else. Which is often what happens if we don't actually deal with whatever the fuck we're doing. It seems to be maybe your cope for whatever issues you're dealing with. And then that cope has just been translated to another cope instead of actually dealing with it in helping coping mechanism ways.

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This is a job for Indeed sponsored jobs. Oh, good. You use cash advances for Legos. Oh, my. I didn't think I'd ever read in my life that someone does cash advances for Legos. Buddy, what are we doing? Have you found a new lady? No.

Are we shocked? No. Yeah. Are you trying? I mean, I was talking to somebody a bit ago and literally... Then she found your collection. No. We're Snapchatting.

I'm Tony. I'm 28 and we're going to meet the next weekend. And I... Snapchatting's for... By the way. Well, we didn't meet through Snapchatting. It's just weird. We talk...

Yeah, but if you transition... To Snapchat. That is too... Basically, she had... I messed her in the morning like, hey, I hope you're doing good. How's class going? Because she was in college for,

she was in college for, like, cosmetology or something. And... How old is she? She was 22. Nice. Yeah. But basically, I looked at her message and she said,

it's going pretty good, lull, and then her account was gone. Some of... Like, literally blocked on everything. Like, I literally just asked her, how class is going and it was gone. So you're a goner, you go for the college. I mean, the younger, the better, right?

No. I would say, in fact, I would say no. Biologically, yeah. When they're most fertile, come on, Caleb. Oh, my, dude. Come on, man. Yeah, I don't have a picture ever. But, uh, I would say, may I, for the sake of society,

have your bottom be 21. Oh, yeah, for sure. Okay. Please and thank you I was saying other 21 They're too immature Usually Uh huh

Yeah I don't have a picture ever 18's legal but you're not 25 anymore So it's like You know I haven't The last 18 year old I was with was my ex-wife So we're good Not her last thing

What did she look like Um Just I'm sussing you out right now Shorter blonde Kind of I Go on Not like 13 year old short, but, you know.

Not suggesting, nor I did not indicate. You're implying. I am not. I just wanted to see what you're going for. Not that. No, I don't care. I don't care what two legal consenting adults do. I don't give a, this isn't TikTok or Twitter,

where we over sensationalize everything. I'm just trying to see. I'm really trying to look. No saved photos. No. You guys never met? No. We were getting ready to that weekend.

Oh. And then it was like the Wednesday before. And that was only, that's it? The most recent. I was with somebody for like a month before, like actual relationship. And she was something else. And she was the 20s, early 20s. So, you know, staying within that legal range or okay range.

What do you have to define it? Because the way you're still, I don't know, just, you know. I actually would like to say, I didn't suggest anything about going too young. That was you. You're implying it. You're implying it heavily. But regardless, I would, I kind of was wondering if you'd buy me the Eiffel Tower. Hugh.

Because I, my insider. You want an Eiffel Tower a 13 year old. I don't want to. You can be the other leg of the tower, Caleb. Like, come on. I got $140. of insider credit. All right.

So if you just give me a $500, I could get the Eiffel Tower and you get this going. You get a light set for like $100 for it, I'm sure. Show me your light set. Your special little light set. We'll put it in video. Stream record? Well, just send us the picture.

We'll put it up. That I have because I've put that into a, I've put in an album just for you. Oh, here. That's not Lego. That's a off brand that my mom's on. I thought we were doing Lego. Yeah.

Well, here's Lego. Here's Lego with a light set. Okay. It's Notre Dame, I think, Notre Dame, sorry. Yeah. And it has lights inside of it. And here's a Japanese castle with some lights on it, too. Yeah, it looks like it just got nuked.

That's about right. And here's some plants. A lot of the plants, plant Legos I have, my mom usually gets me because we'll go to Walmart. It's like, especially for, for, if it's why you go for young because you're mentally there. Yeah, pretty much. Oh my gosh, dude. You didn't have to say that.

And here's, you know, Taj Mahal. You know, very, very, endurance. I don't know what that is. Okay, yay, you showed me your collection. I'm really proud of you. And there's the Titanic. The four foot long, above water. Like 10,000 pieces.

How much debt do you have, not including your house? Because somehow you have been able to scrounge together owning a home. Other than that, how much do you have? I think it's around 67. $7,068. Looking about 73. What the fuck is going on? Why would you continue Legawine?

Well, so a majority of that is from actually a roof repair on my house. And also, I got a truck. The truck isn't even half of that, dude. No. Come on. So I got the truck when my car was going through somewhere.

I had a Dodge journey and it was having some transmission issues and so I was like well I'll just get a truck Oh, just get a truck It solves all the problems Well I took it in to get looked at to get See if it could be fixed and they quoted me like 7,000 for to fix it or $300

And credit towards another vehicle And I was like I basically said that I'd rather just fix it Get it fixed myself In which I did you? Yes Then what the fucker? What are you saying? Well So I want a truck regardless.

And basically I spent like a thousand bucks to get my car fixed. Like I bought a transmission off of eBay motors and got to put it in for like $500. And it's been running me good for about a year now. But yeah. Uh-huh. I kind of wanted the truck because I want, I'd like to start. Really excited about this truck. Well, I'd like to start working on.

cars outside of my actual job. Okay. But I'm being told, you already have a dream car from your grandpa. So why the fuck are we obsessing with this truck that you probably cannot afford it anyway whatsoever? Well, I, well, first, I used to the truck to bring the car to Illinois because my, my grandpa, when my grandpa passed away, he left me basically a hot rod project. And it's not, what's the car, this dream car?

It's, it's, it's, it's a rat rod. That's what the car is called? No, it's what it... What's the car? It's literally just a frame and then body panels. And I still need to put it together. Is it drivable? So it's not driving.

No, so you're not pulling up to schools with it currently. Okay. Not in that waiting lane yet. Good. Thank goodness. Okay, so you need a car. Why don't we fix that? I don't know.

It's sentimental. Okay. This is difficult. He died and when he was currently like in the state. of dying, he said he hoped he could see it completed before he died. Mission failed. Yeah, it's kind of hard when he, I got the car one week and next week he's dead. And I literally called him the day before he died.

Was that his hall crooks? Like, I don't know. It's like as soon as he got in Illinois, he's gone, you know. But I had called him the day before and then he, when I looked at his Facebook profile, because I was looking at the pictures. That's how he found out he died? So it's fucked up. because I looked at his Facebook and I was unfriended. And I'm like, what's going on?

I'm so sorry. The way I found out he died was somebody said RIP Larry on his profile. And I was like, what the fuck? And I didn't. It's not funny that you lost your grandpa, but that is such a ridiculous. That is such a ridiculous thing. It's fucked up because I mess. It's up.

I messaged his girlfriend at the time and was like, hey, hey, he is. He was on the problem as well. Want to know a dirty little secret. I know, I'm not starting an only . You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck, that is bad tracking.

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She was within his age range, so he's good. What's his age range when you get up there? About 50, I think. The years difference? Yep. Okay. But he, so I mess. I texted her like, hey, what's going on with Grandpa?

He's unfredded me. And I didn't even get a message back for like three days. And then I finally found out he passed away. I'm like, that's very, I'm sorry. That's really hard. That's really hard. Yeah, I'm sorry for your loss. And I haven't even really done.

And I get the car sentimental with it. I don't want to fuck with that. I agree. But I would love you to be able to hopefully drive it and maybe get rid of a truck that we can't afford. Well, and I would like to keep the truck long term because I, so I got the warranty on it. Oh my. Come, car fix guy. You can fix cars.

Well, the engine completely shit out. And I didn't at that point have a way to repair it, and that's why I got the... Wait, which on which car? What? The truck. The truck, the engine already shit itself. Yep. So, the truck that we owe on?

So my big, uh, RAM 1500, uh, the hemi, uh, shit out on it, which was common because it doesn't get enough oil pressure to the top of the engine. I thought we specifically bought this truck because the engine got, the transmission got ficked in another car. Yeah. And, uh, well, So are you trying to like make this into a business repairing things? I would like to at some point. And I've already when my... Oh, I'm being told you want to open it with your mom?

Well, no. So my mom, she went to school to work on motorcycles. And I was like, and I told her like instead of working in a factory, she'd actually do what she enjoys and like actually use the... Oh, mother. You seem like you've been coddled by mother. I wish. But she's like in her 50s.

She's... You seem like someone that would still be stuck in the tit. I mean, I love my mom. I mean, I don't know. Okay. Her tits are a little saggy, but, you know. Okay. Do not start a business with saggy-titty mother, please.

No, I wasn't planning on it. I just wanted to help her. Why did you tell Colton that? Because I have the note from that. Well, because, well, or she wants to. Right now she's working at a factory, and she's not, and she has a degree, like, from Phoenix, Arizona for MIT or UTI. I don't know the exact name for it. You even say.

I forget the exact name for it. But it's like the mechanical institute. And she went to Phoenix specifically to get the degree and she's not using it. And I told her like I'd help her get it. Like I wanted to help her to like pursue that. Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank.

What the f f***? Um, what are half the things you're saying? What, what even is this right now? Mostly, but you know. I agree.

What do you think your financial score is? 0 to 10, 0 being the worst, 10 being the best? I took the score and I think it gave me like one. Okay. And do you want to take the score by taking the quiz? See where you're doing well. See where you're failing where you need to improve.

It just takes a few minutes and it is free at Calebhammer.com and you'll get your very own Hammer Financial score. Remember, if you don't want to be like a guesser, who ends up on this show, sign up for the Dollar Wise budgeting app. It is my preferred budgeting app. It is where I'll guess use. It is what thousands of people sign up for on a daily basis.

And if you want to save a lot of money, sign up for the annual version. And when you do, I will sign my budget-friendly cookbook and mail it directly to your door. Learn more at dollarwise.com or click those links below. Let's jump into these documents. What a, what a start. Navy Federal.

It's four vats. Well, or at least you got to know, or be related to one in some kind of way to get in, right? And they love you because you have a literal 20,000! What the f*** possibly? Is this Lego? Is this Titanic? What is this?

It's Pokemon cards and the cash advances, basically. For the Pokemon's? And for the Likos. The cash advances for the toys! What the fuck? That is insane. In what world possibly is this considered reasonable in any way? Hey, by the way, how long does this take to pay off if you do not purchase on it?

And you only put your minimums towards it, which you do. I think about like 40 or 50. 31, but that's still crazy. That is crazy. You'll be nearing retirement age. I know. And that's kind of part of the reason where I was like, I started seeing your show and I was like, I really need to get my shit together.

That's great. Because we're not... So you wanted to get your shit together when you started watching the show. So you would do good things because we had, you know, a bit of money coming last month. That NCVA hit, but 4,778 hit from payroll. What was the outflow? What was the outflow? Because you're learning, because you're doing things.

You're getting your shit together. What was the outflow? I actually have rocket money and I think it's still like seven. Close. $6,700, $7.78. $0.59. That was your outflow. So that's getting our shit together.

That's, I'm getting better. That's I've seen the show and I'm turning it around. What the fuck are you talking about? You never, did you listen with the volume off? What did, were you doing? Well, it's crazy. Did you turn on the show, go into the other room and just sit there and goon? It's even crazier because I didn't even process the idea that minimum payment would last like 30 years until I saw your show.

And I was like, okay. So I'm. And then you did nothing. Listen, I know when you see the. number 30, you're like, ew, that's disgustingly ancient. That doesn't mean you can't start making progress towards it. You didn't do anything.

You didn't do anything. I'd rather just play with Legos, man. I'm sorry that it's not a freshly 18 number. Hey, those Legos are at least for 18-year-olds, all right? At minimum. So us getting our shit together is nothing. Again, you spent more than you made.

So you found the show. Oh, I need to get my shit together. here's a wake-up call and then we do nothing with it. Well, that month, I'm pretty sure I sold. I bought a Kia while my truck... Add your income. Well... That would be included in your income.

Well, I bought a Kia when my truck, in my journey, we're both getting worked on. And I fixed it up a little bit. And I actually sold to my mom around that time. And I put the cash in there, I'm pretty sure. Well, I'm being told you put your closing costs on your house on this card as well. I believe so. That's fucking insane.

In what world did you think you were possibly ready for a house if you have to use a credit card for the closing costs? Well, luckily... The Peoria's cheap! Well, and luckily with the VA loan, it was like $1,000 for closing costs. But that's not what that necessarily means at all times. That doesn't mean that's... Yes, that makes it easier to get in a housing. That doesn't mean necessarily a good thing for you.

Because I doubt you had a fully front of an emergency fund, and that means your equity position and the leniency in it in order to sell your house and not lose money and have to write a check was probably a micro dick size. So it's even, I just kind of figured like instead of putting like 1,500 towards an apartment, it would be better to put like 1,100 towards a house and just like have that actually. Not when you can't afford a house because then it's a disaster. And I actually had a kind of, I had roof repairs, which that's another loan on there. And I think that's like a whole other story on a...

Let me guess, your roof wasn't good, so you had to repair it. Yeah. Yeah, thrilling story. So, well, I was on the roof and I could write a book about that one. I'll put in my 13 reasons why. But I basically, I was on the roof, clearing out the gutters. and I kept, and there was like a weak spot. And I felt like I had to get it repaired.

And when I was going through the process for the loan, I told them I couldn't get the loan because I had my truck payment. And to clarify, you're joking about the 13 reasons why thing, correct? Yeah. Thank you. This would be a different conversation of sale. Okay, your minimum monthly payment on here

is $496.45. That show pussed out. That show pussed out when it came to the guy bringing the AR-15 to the school. I've literally only seen reels of it, so I have not watched it besides reels. If they were going to be a full real-world, how shit is out there, they pushed out. Oh, yeah.

Like the Charlie Crick assassination. What? That was pretty crazy. Yeah, that was crazy. Did you see the video when it came out? I think everyone saw the video. That was... Many of which against our will.

Yeah. What are you the one who did it? No. I like Charlie Kirk. Okay. I made him my banner on Facebook before I deleted Facebook, like a picture of him. Or like a painting. Uh-huh.

What, after the death? Yeah. Well, it's very sad. No one should die. No one any time should die. But yeah. Well, having this conversation with you, I'm afraid that you're going to do that to me later.

Buy me an Eiffel Tower. We might not have a problem. Get light set, you know, you'll really be my good graces. So I have to bribe you for my life to buy an Eiffel Tower set? Yeah. Okay. Your minimum fee payment is substantial of $496.45. For your regular paycheck, that's already an eighth of your income.

That's huge. That f*** you. Well, more like a 16th, but even still. No, an eighth, right? Yeah. You know the holidays are coming when your fridge is full of leftovers and your living room is full of guests? And let me tell you,

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Okay. When it comes to numbers, you have nothing to say, do you? But when it comes to... It's hard to argue numbers. Numbers... Unless it's attached to the pair of tits, right? Well, you don't see that number.

But you should clarify it. Always clarify. Always check IDs before you do anything. verify age, make sure it's not a fake ID. You'll be happy about this. Or maybe it's too high for you, but I don't know. An 18% interest rate. Dude, the interest charges here so far as $2,180.74 cents.

I just, I thought I could afford it. I thought, you know, it's just part of my paycheck going out of the way. I thought part of your paycheck, yes. I'd say actually half, more than half of your paycheck has gone to interest this year so far in this card alone. And at the time of the statement, it was just, Look at that. The payment. It was just, it was halfway through the year.

So this would be an entire month's work that you done will go to the interest on this card alone because you're putting dumb shit from your down payment, from Legos, from Pokemon, cash advances. And you'd be spending on it. And if it wasn't borderline maxed out, I don't know for a fact based on your behavior and the spending than of you spending more money

than you make anyway. So, yeah. I mean, a whole month of you outs. there grinding goes to this interest this year. Grinding for those Legos man

can't be grinding for minor Yeah but you stop Gotta work, got to do Legos I'm still distracted. What? So you don't do that? Yeah Colton, any chance I can get a hard drive check in the Post show, please. I don't

want to look at it either in a more official capacity Okay Okay, okay. Yeah, Yes, grinding for the Legos. I agree. Remember, that an entire month's worth of income could have gone to Legos,

but instead of to Legos, just go into interest. So that's not grinding for Legos. That's grinding for your previous sets. It's not future sets. And... Go on. What are you trying to say? It's just easier just to ignore the problem and just kind of set it to the side

and not think about it. It is, yeah. Handed under the sand. It absolutely will. But once it, gets to the point where you're unable to pay for a mortgage, then what do you do? Then it just rolls downhill. And everything...

Explain. You lose your house? I mean, luckily, I've never lost a house. My house in Kansas, I actually lost... I've had to pay a little bit of money in. But, and even then, I only got, like, a few hundred bucks out of it. You made money. Like, a few hundred bucks.

The one down in Kansas... So you're going to end up in that situation again, and that's even if you're lucky. Yeah. according to zill in my house is like 16. Okay Colton wants me to ask to see your wishless cart Oh, my Lego Insiders cart Your Lego Insiders cart, yeah

What's sitting in the car for Lego Insiders? Well, right now it's the Let's see, no, just show me. I want to fucking see it Yeah, I guess you told Colton in the green room before this He was just so excited Look at my Lego! Yeah, well it's more of the wish list The wish list is where all the stuff is Look at my legos

But yeah, in my bag I have the Eiffel Tower you and then on the other list and the wish list or screen recording too oh I have nothing against Legos by the way I really don't so on here I have like show show show let's see give give show

God I'm afraid to touch this phone 5,549 771 We got a Batman skyline backdrop X wing starfighter insect collection I feel like I've seen those like

just that like Barnes and Noble and Captain Jack Sparrow's pirate ship Okay, I thought it was called the Black Pearl But gotcha There's Jabba sail barge The Eiffel Tower A Milky Way Galaxy thing Concord which we should bring back by the way

Bring back to Concord Let us travel quicker ladies and gentlemen Tie Interceptor Flower arrangement instead of you know Going and get a day and bringing her real life flowers Yeah that's great Vince Van Gogh, Starry Night Hes Van Gogh,

Sunflowers, dinosaur fossils, steamboat, vending machine, shuttle aircraft carrier, this is crazy. This is crazy. Mineral collection.

Mona Lisa, by the way, she looks like she has Down syndrome when she's the Lego form, so I don't know if we're getting that. I see myself in there, all right? Yeah. Fountain Garden,

traditional chess set. do you play chess? I have What the fuck are we doing? Trevi Fountain The creeper The Battle droid Endermine Tower

Disney Pixar Mini Bonsai trees Hibiscus No Squashkin Castle Game Boy, that's crazy

to considering this. Don't you even come close to considering this? That is all... That was all... We are not going into debt for Down syndrome, Mona Lisa. We're not. I'm sorry, we're not. It's a self-portrait.

Come on. And then the plants, they'd never die. So they'd just make them... Listen, I have nothing against Legos. I don't really give a fuck what adults do. There's nothing wrong with labels. You're going into debt. And are we surprised that you can't get a girl to meet you?

Are we not surprised? Do you have a dating profile? I made a tender when I got here. When you got to Austin? Yeah. Well, we will review that in the post show with our dating expert B-dog. I don't know if I want his input. I know he went out with a kid recently.

It was an accident. And it was... Same thing. He tried to get her home safely. Instead of abusing his position like you would. Abusing my age isn't abusing a position. An age isn't a position. It's constantly changing.

She tried to grab his dick when he was trying to get her home safely. Are you saying you wouldn't allow that? I know for a fact you and your situation would allow it. No, I've been around kids. I don't let them just happen. It was in his car. Same effect. Dependency.

He acted very appropriate. I cannot say I have the confidence he would do the same. That's all I'm saying. PayPal credit. What's going on? That's kind of my kryptonite right now. It's what I use more than anything. Just because...

There is no way you have not gone. for a happy massage. I actually haven't. Come on. I really haven't. The two people I've ever asked that to in the history of the show, I know for a fact to have and both say they haven't. I really haven't.

Like, I had a friend at my work who said that he'd go to them, but I genuinely have not. I have heavy doubt. If I did, you've seen on statement, wouldn't you? Not necessarily. Happy fun time, place, happy ending. We're the Hartford, with decades of experience ensuring millions of unique small businesses.

When it comes to your small business insurance. Thank you. One size, absolutely does not fit all. Get a quote or find an agent today at thehart.com slash small business. Is that how it works? You never know. You don't ever see a massage on there, though. Okay, well, you can get a massage.

There's nothing wrong with getting a massage. Yeah. Well, I'm just saying you won't see one on there. Well, maybe it wasn't in this month. I mean, I got $250 in my pocket. Like, I don't know if they say on the statement, and we do illegal behavior here. Okay.

So pay for credit, yes? Continue. With, by the way, fees, great. Why? It was a late fee. $41 late fee, asshole. Why? I just didn't watch my money close enough.

Why? And I had a bunch of payments come out once, and that was on automatic payment. Isn't that, then that happens every time. If it's automatic, so you should have been able to expect it, and you know that would coming. I think that was when my car was getting worked on and they were charged.

They made me pay like $300 for electrical diagnosis. And I just didn't. I just like you said, I don't have a savings or emergency fund. And that's kind of where I'm kind of going back and over and over and constantly at like the limit of where I can. The minimum payment is 41, right? Yeah.

You couldn't make a $41 payment. Not when that late payment came. You're hitting, you're going that low in your checking account, bring in $6,300. A month. Whenever I have an emergency, yeah. How much was the emergency then? Well, it was, so it was an electrical diagnosis.

Yes, how much? And they charged like $300 for it. VA did not cover. For electric, for a car? I don't know. What is it? Wait, what was it? A car.

Oh, it wasn't. My journey, my journey, my Dodge journey. Sorry, I thought it was something medical. No, no, no. 300? So, 300 makes or break you, making 63? without emergency fund, yeah It's not about an emergency fund

You should have a little bit of fluff in your checking account So $300 payment popped up and that was an emergency that pushed us to the brink yet in the same month You spend $471.669 going out to eat Make that make sense Make that make sense Mr. Tony

Make that make sense Some people like the fluff I got to keep the fluff on You know The minority Gotta be even more obese, you know The minority, like the fluff unless you're getting yourself a feeder. Cushing for the pushing, you know. Nope.

It's not good to be fat. As a fat man, it is not good in any way whatsoever. There is no benefit. I've lost like 30 pounds. Not an age, not a nothing, not energy. There's no benefit. I've lost like 30 pounds in the past few months. That's good.

Certainly wasn't because you spent $500 going out to eat. You cannot tell me that you were late making a $41 payment because you had a $3. payment because you had a $300 emergency pop up when you spent basically $500 going out to eat. You cannot tell me that. That is no sympathy. You would have sympathy with me

if all the money coming in was going to minimumity payments and living expenses only, survival, and then something hits that you can't afford that's an emergency, yes. But that's not how this worked. You spent $500 going out to eat. That was the choice. That was you. The McDonald's fries are pretty good.

They are. I love them. I'm a fellow theft. Especially when they're like, oh, buy $20 worth of stuff and then you get fresh for free. It's like, all right, there we go. And then everything you buy there is like $10. Shut the fuck up. There is no sympathy here. You were choosing that.

You cannot complain. You cannot complain about a $300-hour purchase. Stecking up. Miscellaneous bullshit alone. Those could be video games. It could be Pokemon, Legos. That was $600. Double what you said your emergency was that put you in the ground.

So, fuck you. We're talking minimum, and we have other large purchases and unknown shopping that we're going to go through and find out if it's bullshit of an additional in 1,300, but either way, either way, you had at minimum,

at minimum, $1,100 of bullshit. Minimum, and you're telling me $300 is what destroyed our life. You. That is immature, that is irresponsibility, that is not owning up for our, own actions. That is not acting like an adult. That is a loser who was divorced because he couldn't

keep his hands off his wife five years ago and stop his addictions. And now can't land a single date going out and coping with his life. I've had dates. Did they know? I mean, it's not something you talk about on a date. At least not the first date. Uh-huh. Talking to a girl at a bus stop. It's not a date. 35% interest rate. This is insane. This is insane. This is disgusting. This is unacceptable. You are laid on that. You allow this in order for you to go to Mickey Frizzies and get some Legos. This is not a life that you deserve as a human on this earth to have, but it is the one that you are choosing to live. Choosing to live again, if everything was barely breaking even because

you were just doing necessities and nothing else and you weren't f*** around, you would have my full sympathy, full sympathy and I would cry the tears with you, but you are blowing at minimum $1,100 on bullshit. Bullsh, over, that is a sixth of your income. The bullsh, and you cry to me about a $300 payment. You. Capital one business. Yeah, big business guy?

What's your business? Is this the car repair? Yeah, I actually, I did make, I did make a LLC. Great, really. I use that card to buy some tools basically Like oh yeah You have $150.85 cents to transaction So what's that?

Um I think that was for Uh Pesty I They had a yearly subscription Huh? What's a pesty?

It's like a bug control Like They basically a treatment system for your house So you could keep Like I was having Ants come in my house And I use that card

A year before that transaction to pay for it. You're $1,598 with the minimum fee payment of $50, $35, $34.34 of interest, accrued, only making the minimum. And without purchasing of which you do, by the way, this would take 15 years to pay off. So much longer than that. Well, it has a, Pestey has a yearly subscription plan, and I just forgot to cancel. I did cancel.

Good. I mean, it's as easy as that big guy. But you obviously spent more than just $150 recently to boost it up to this $1,500. to your business that doesn't make money, right? Right, right, right? Right. I don't want to hear it again. I got a welder though, so, you know, I've used it a few times.

But I, if you want to actually make money somewhere, I'll get you a course career certification if you look for a change in a career field. Lots of people in our audience have done that and it's boosted their income and they changed jobs. I'll do that for you. But what the fuck is this? Your business isn't a business. It's a hobby and you're justifying and to spend money on interest or cream cards that you cannot pay off. I don't want to f***ing it.

Well, I actually, since I was in the business, the VA and I have disability. I also have the GI Bill and I would like to get to the point where I could actually utilize it for What's that point? What do you view as being that point? Lower

payments and kind of have How can we get there if we spend $1,100 minimum on bullshit likely approaching $1,500 to $2,000? Tighten up and stop buying Legos. Sure, but you don't. So you haven't been. I know that. So you already know what you want to do, but

Clearly, that is not what you care about. You care about the literal $5,000 sitting in your Lego. I know. The Apple Tower is calling my name right now, honestly. Huh? That Eiffel Tower is really calling my name. Why do we care about the Eiffel Tower? There's a fake one in Vegas.

It's French, you know, homeland. You know, enjoy it. You were born in France. No. Shut the fuck out. I mean, you told Colton you were literally, you're going to buy it in the green room. Like, you are going to buy it. I said if I'm going to yell at it, I might as well buy it.

What? That makes no sense. Explain that because that makes no sense to me. I just, it's, I, it's just, uh, if I'm going to get yelled at it, might as well buy it. Not, there's no point to get yelled. Hey, you just repeated it again. There's no point. There's no point in getting yelled about it.

If, yelled about it, if you're not just going to do it anyways. Huh? If I'm going to get yelled about something, I might as well do it. I'm going to get arrested for something. I may as well do it. What are you talking, like, what, what is this logic? I don't, if I'm getting trouble for it, why wouldn't I just do it? What?

That's the reason. That's not the reason, but that's certainly a negative consequence of doing something, meaning it would be a reason to not do it. Yeah, but then I could also get the dopamine of building it and having it in my collection, and I could put lights on it and make it even cooler. And then, you know, maybe do some field trips to show it off. They said everything else you said in this conversation. This is not making me feel good about you leaving this building.

Oh, $1,457.91 cents on this pro-form financing. What is this pro-form financing? So that's actually a treadmill. Ever used or put together? Yeah, it's in my garage. I have a little, so my house has a three-car, a three-bay garage. And one bay I have a weight set and then my treadmill. The other bay is the rat rod, and the last bay is where I have, like, my tools.

So, you owe $1,457, then I know one cents on the treadmill must be a pretty nice treadmill, but the $45 minimum monthly payment. Now this is interest free. Is their deferred interest? No. As long as I make every single payment. I don't have a second page. As long as I make every single payment, it'll be interest free.

Which the reason I kind of... Equal 39 payments. Which, that's kind of the reason... 45. Okay, yeah, that is true. That's kind of the reason I went for it is because I was already paying... for a gym membership. Yeah, sure, I get that.

But here's the thing. With you, the fact is, you're just adding more debt to the pile, more minimum payment to the pile that you can no longer control. And with that, again, remember, you have a $45 payment here, the $41 payment from the PayPal credit you missed.

Like, adding more minimumity payment, a gym you can cancel, you can go on walks. I would like you to have a gym, absolutely. But worse comes to worse, you can get rid of it. You can't get rid of this. You can try to sell it, but you're not going to be able to eat the entire amount. So with this, you're just,

adding more to the pile of minimumity payments that you can not control, and it's going to fuck you come time for another $300 payment to hit. It's also got a four-year warranty on it. So if anything breaks or anything breaks. Listen, where Jim doesn't have a warranty, doesn't need a warranty. They'll fix their shit. This makes no sense. This is you are obligated to pay it legally contracted $1,500.

You can cancel a gym. Now, again, I want you to go to the gym, but you're in a situation where you literally told me you couldn't make a $41 minimum fee payment on the PayPal. You were late on that. Why would I want and advocate for you adding a $45 minimum payment from this pro-form financing, even if it is for an item on a payment plan that is decent? Wishing you could be there live for the big game, soaking up the atmosphere in a crowd.

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It just makes it easier and it makes it, I figured that it would be worth it in the sense of having the availability. Just, oh, go out to the garage, work out, go. Sure, but you can also run outside or walk outside as well or jog outside whatever you're doing on the treadmill. It's just easier. Also, you're in Peoria.

It's not even that hot. It's been pretty hot. Shut the fuck up. It's not hot. I am from the Midwest. Shut the fuck up. You don't know how. You've never heard hot in the life.

It's actually, no, my garage is actually cooler because of, no, no. It doesn't matter. You are not hot outside. It is okay. Go, run.

90 degrees is pretty hot. Oh, 90 degrees. Sounds like a nice fall day. Shut the fuck up. No, 70 degrees is a nice fall day. Exactly. That's what I'm saying. It's not hot there.

Shut up. You're fine. People run here at 110. I got a bad hip. It just makes it easier having the smooth, constant taste. with but then go to the gym to do it again. You can, if you cannot afford them,

$42 a minute to pay me, you cannot afford this. It is good financing. It is a good purchase. The gym membership was 30. The gym membership was 30, so 45. Of which you can get out of when you need to. And 30 is cheaper. I don't know if you know how numbers.

It is cheaper, but long term, 45, I would have that. And on top of the four year warranty, it just ensures that long term investment. Shut the fuck. Affirm, what is going on? are here, you were not able to pull it up as my document says, he couldn't figure it out. What the, what is even the affirm?

So, um, my sister actually asked, has been asked me to take her to a Billy Elish concert. And, uh, so basically I, I just affirmed the tickets in the whole, basically the whole travel plan. It was 1,200? Yeah, the whole thing? Pretty much. Oh, well, so.

She's great. I've seen her in concert. You can't afford it. Your sister. The concert was like 600 and then basically that's the flights in the Expedia package. Where's the concert? Florida. Why did you go to the Florida one?

Do something closer. Oh, so you can afford it. And listen, again, we all love Billy Eilish, especially us Gooners. They are substantial. But you cannot afford this in any way whatsoever, especially for double people. Well, we're actually bringing her boyfriend's daughter with us. because she promised her that she, my sister promised her. You didn't pay for that?

No, so. But you paid for your sister? I paid, I paid, I paid, I paid the majority. How's your sister? She's 26. She can pay for her own damn tickets. You can't afford this. You can't afford you going alone.

She, she actually gave me $800 towards the total. Great. You still can't go. You shouldn't, this is not something you can do. I don't want you to have these experiences, but not when you've done everything in your life. life to just live for fun now and pay for it later. Now is later. You can't do it. You're still paying for your McDonald's from three years ago. Like this doesn't make sense anymore. This is what

a responsible adult does. She sacrifices. She's been asking to go for like the past two years. Good. She can go then. She can go then. She is she? We have the same mom so probably. She's 26. She can go herself. I hear she has a boyfriend. That's the rumor I heard. He doesn't like going to social stuff. Doesn't matter. She can still go and with the kid as well. Yeah. Well, and it's funny because when I landed

in Dallas... That's hilarious. She messes me saying that she wants to go see corn at some point. I don't... I still don't care what she wants to see. Why does she want to see matter at all in any way whatsoever? You are not her. You are not her father. You are not her boyfriend. I don't give a... If you can afford it, then

you do it and we celebrate that. You cannot. You are still paying for Pokemon literally over five years ago. So I I do not want to hear this. Corn. Shut up. Well, she's done a lot for me. I rather just, you know, enjoy.

I want to spend time with my sister. Spend time with your sister. You do not need to spend $1,200 to spend time with your sister. And if you do, she's a bad sister. Well, it's either that or we go out and get plastered on Everclear. So, you know, it's one or the other. You can't go to a park and enjoy the sunset? No.

It's easier to talk and have a conversation when you're drunk. Oh, your life sucks. What's your minimum fee payment to affirm? I think it's like $200 because I did the zero interest have paid in this amount of time. Minder, you can't make a $41 payment, so we'll see how this goes. Especially, look, now we have another substantial minimum payment. This must be the truck, right? That's the truck.

$40,648.77? That's the truck and roof repair. What? So when I was going through the roof repair, or when I was looking into it, they offered to give me cash to pay. put towards the truck to make the payment for the roof repair more feasible. How much is the roof repair cost? 23. And then they gave me 17 to pay towards my truck.

What's the truck worth? I actually took it in to see if I couldn't sell it and they just they said they'd give me eight for it. You'll $40,000 on an $8,000 truck. Well, it's the roof and the truck. It's the roof and the truck. But the debt is likely tied to it. $40,000 debt lean on an $8,000 truck that is insane.

I don't know if that debt is leaned against the truck. Because they didn't, they don't have the title for it. What's the interest rate on this? 15%. For something we are underwater on by $32,000. $32,000 underwater. Underwater by over. The original.

Shut up, 75% over that. And then we have a 15% interest rate. of death on that. Oh my gosh, guy. Oh, my goodness. What have you done? The original interest rate on the truck when I first got it was like 18.

So I saw 15 I thought it would be better. Oh, and you're considering solar. He's considering financing solar. You live in the Midwest. Clouds. They did the service and they said I could. Yeah, the salesman. said what?

Yeah. What did the salesman say? Uh, $150 a month, a 2.5% increase. Okay. Very good. For leasing the solar panels. And they would prepare the rest of my roof, basically. Uh-huh.

Uh-huh. Uh-huh. Okay. Now Mr. Beedog, Brandon, the one vetting your profile, the translator, you know him, you love them. Sold solars, door-to-door at one point, please. Tell us, how good of a deal is he getting? You're getting fucked?

Do not consider this. Do not consider this. He literally sold this product. He's doing the exact same job that you are being sold to. My, my electric bill is like $300. Oh my goodness. He fell for every talking point. He fell for every talking point.

And he's now parroting them. Dude, are you kidding me? I'm just solar can be good. If you're in Arizona, Texas or California. ain't you ain't you tit the roof repair is the main reason i was interested in it because your roof has been repaired well no that that that loan was for like a set my roof is huge like there's multiple layers and multiple angles and so the solar would have a McMansion well how many square feet you got i don't i don't know the exact square feet i don't know the exact same ish ish how many bed how many bath uh

it's three bed two baths and there's also another room which i would consider a bedroom but it's an office probably it's a pretty good size though you fit a bed but it's an office yeah I use it as my okay you probably have like a 15 to 2,000 square foot 1500 to 2,000 square foot house

your roof isn't that crazy if you saw it you'd understand and it probably has weird McMansion crevies yeah you don't understand if you saw it I get it I know I know houses but basically the they said that they were prepared the whole garage roof and then basically anywhere the solar panels were going which is my garage and then

You're getting these fucking solar panels. No. Oh my goodness. No, you're convinced. You're sold. I was in the process of actually doing it and then they canceled it. And I think it was because of the tariffs. Like, because when, you know.

They canceled? I think so. Because I just looked at it and said, uh, pending, pending, pending, pending. And it's been like that for the past like two years. Good. Let it be pending forever. Please. Please.

15% on a car were underwater by over 75% disgusting disgusting in every way whatsoever another Navy federal this looks like a personal loan right what's this for I think that that might be for the

for the what for the truck a second debt on the truck well so like I said the roof repair loan they gave me 17 to put towards the truck but I still had 4,000 that I needed the finance

and I wanted to get out of the loan that was in with a different bank than Navy Federal because it was at 18% and so I went to a lower interest rate. Ladies and gentlemen, this is one of you. Every single person who comes on the show

watches the show and is from the audience. This is one of you. This is your neighbor. This is your friend. This is your family. We do not talk about personal finances in this capacity in this country. This is what people are doing out there.

This is insane. What the actual potential? potential fuck. Well, and that's part of what ruined my marriage is not talking about finances. Yeah, that's what it was. I said part. Mm-hmm. Yeah.

That was hurt. You like your gamer subs. Ladies you gentlemen. Huh? Like your gamer subs. I like gamer subs. I know. I can have normal.

Yeah. Look, it's Charlie's gift juice. You picked the most mundane one over there. If you drinks, gamer stuffs. dot gg. Kailab link below. You can also get free samples to see. if you like it.

More affordable than your dumbass gas station purchases for like $5. This is like making your own coffee at home and it tastes better. I do promise that. Yes, yeah, it's okay to be a little gooner. But guys, ladies and gentlemen, whatever just happened to good old classic. Fogherty. Just sit down at your computer, open up the screen, get a nice big fake pair of tits from probably like a 30-year-old woman pretending like she's 25 with a little.

The dude who's like 80, pretending like he's 60. So like Brandon's type. Yes, exactly. Okay, you're a parisocial. Whatever happened is just classic. Why do we got to bring tentacles into things? Why do we got to bring? Why do we have Jeffrey Epstein's Island, man?

I don't know. I feel like you would be better to answer that. People just want up the ante constantly. Guys, just jerk off the regular. Please. No tentacles. I don't want it. Come on.

man. Don't say that. Don't say that. Do you guys know what that is? Do you guys know what the Kahn is? What are you saying? It's drawings of children. No. No. There's 500 year witches.

All right. They're immortals. Don't do this. Don't try to do not do defensive. Listen, I've made crazy jokes in my life. I've made crazy jokes in group chats. Listen, I've gotten cooked for them. But they're jokes. You are going too far on this.

This is crazy. This is absolutely crazy. Okay, so truck 2.0, I guess. $4,824.99. The minimum monthly payment of $92? This is going to take forever to pay off. $92.18. Yeah, I think it's that low because I got the longest term.

Yeah, and an 11% interest rate. It's like 17 months. Wonderful. Mortgage. $142,544. $58. $5.25% interest rate. Not bad.

It was originally like 7.125. You refinanced? Yeah. Are you bought down? Okay. I refinanced to the $5.25. That's interesting. $1,187.42.

Type in your address, big boy. Yeah. You'd pretty much break even if you sold today. except not really because you have the closing cost on our credit card but you'd break even after all fees and realtor and bullshit well and zillow always goes more than it's actually worth yeah zello gets a little excited not a bad house though it's cute his roof is not that crazy it's just it's a

couple layered roof and he tried to make it sound like there's something insane well it also goes buddy it's a fucking roof it's got a couple different it has angles guys his roof has angles more angles than a 13 year old come on man it's a f***in house Calm down. You're tit, dude. You f***ed. It's not a bad house.

You'd break even today, so I'm okay with that. Okay? It's a cute. Cute house. 419 or checking account, 414. 5 in savings. It's not good. ATM a draw.

Who knows where that went? $23. Stopping in the gas station getting $3.19 of what? Probably an energy drink. Exactly. That's like the fucking game. The gamers stops, dude. It's 25 cents to serving. Which one do you want? Which one do you want?

I don't know. I don't know what the flavors are. Which everyone has the biggest boobs, I guess. Well, this one's InSeltiers, which he desperately has and needs. This one's very good. I tried it the other day. That's what I took home with me. That one's yummy. There you go. You can make right now. You can shake it up. Go ahead. Put it in. I'll try it.

25 cents to serving instead of your stupid $4 purchase. Well, actually, I have a Costco membership, too. Which I've been getting Alani from Costco. That's good for buying a buck. This is still cheaper, though. It's like making your coffee instead of going to Starbucks. Yeah, give it a good shake. Give it a good shake.

Hey, stop then, got some more bullshit. Give it more of a shake. Dude, you got a shake for like 30 seconds. You know, over paperwork. Well, it's because you're a messy. Those are insults here. Soapie's good, man. Sopies good.

Soppy toppy. But you haven't been near. a mouth in a long time. Champion Express. It does smell good. That's the, that's the tropical one. I really do like that one. Amazon Arby's. Good? Yeah, really good.

Amazon Arbys. Listen, they're goony. They're goony, but they are actually really yummy. Venmo Legend. Legend of something. No, Legend of slime. That's a mobile game. You're buying in at mobiles. Yes. Off. Champion Express.

Amazon going in getting an energy drink you take that going in and getting an energy drink McDonald's you got premium Amazon going and getting some bullshit Bumble dating so you got Bumble too Well no

I deleted it you're paying for it Well when that girl like deleted me off everything I just deleted it I was like this And I anytime I get a Steam game going in getting an energy drink More Bumble Car wash

Come on, it's not even winter yet. Fuck you. Amazon Sonic. Car Wash! F'u! Is that even winter yet? There's the legend of slime again. Ghost Inva.

It's another in-app dumb game. Stopping in, getting an energy drink. Another in-app game purchase. Sonic. Another in-up game purchase. Ghost Invasion. Energy drink, energy drink, energy drink, energy drink. Car wash.

Fuck you, it's not winter. Going in and getting to bullshit. Ultimate Microsoft. Microsoft Ultimate. Spotify. Going in getting an energy drink. Going in, getting an energy drink. Prime video.

Ghost invasion. Snake crusty something. I don't know. It's another in-up game. Zing guy, you got the f***. In-up bullshit. Went in, got some bullshit from the gas station. Amazon.

Ghost invasion. Ghost invasion. Ghost invasion. This is sad and discussing and depressing. Getting in an energy drink. Culvers. Now that's good. But you still can't afford it.

Kobe revolving sushi. Kobe. Legend of slime or whatever. The fucking. I think you rented a movie or bought a movie and then legend of slime legend of slime eBay going in getting some bullshit and then pub 60 bucks crazy again listen give whatever you want get get whatever you want okay we'll send you some game or stuff or something so you can stop going and blowing hundreds on

this okay okay 10% off link in the description below or get your free samples type in go to hammer retirement surprising at $8,179. Does that the company you work out? Yeah. The car one? Yeah. Oh, that's cool.

Or we're bleeping it for the name. I know they had a factory there, but it is the Rust Belt. Well, it's in... That's where the factory is, specifically. Oh, fuck. I'll be honest. Many things you said in this conversation have been concerning. And the way you had a relationship with the X is concerning.

And then just everything... It's all concerning. That's all concerning. Part of the reason. Okay, $6,300. We're reporting for the income. All right. Debt payments, Navy Federal Credit card, $496.45.

PayPal credit, $41, $50 for the Capital One business, $45 for the pro-form financing, $200 for a firm, $641.91 for the truck and roof. and then the truck 2.0 is $92.18. And then we'll do the mortgage separately. But your debt minimum fee payments down, including mortgage, is $1,566.54. And then our mortgage is sitting at $1,187.42 cents. Now, utilities and everything combined. Internet, utilities, gas electric, what? How much?

I think it's like 500, 400. I'll do five. Phone bill. 80. And I actually, where I work, they offer a phone stipend or like basically like...

Do it. Does it cover that amount? I do, I do. I do. Like every month I have to submit my bill. That's a good in your pay. Yes. Okay. So it's 80 bucks. And remember,

we did include the rent that his roommate gives them and that 63 that comes in. So hopefully that person doesn't leave or else you get $800. But either way. Gas, room from drive, drive. How much a month? Probably like 100 bucks, if I had to guess. Just sit inside getting an internet purchases all day.

Minecraft, man. I'm playing it constantly. Oh, we know. Car insurance. I think it's like, my last bill is like 120. Okay. You can do $300 of food, groceries, meal plan, cook a few times a week, warm it up, lots overnight outs.

You're going to be doing good, yummy things. It's all healthy. It's three meals a day plus snack. and dessert, you'll be fine, meal prep. I actually got overnight oats from Costco because they have like a bigger box. Okay, that's probably a more expensive way to do it, but we'll see. $100 for TV fund and anything else you need to survive. Medical or healthcare?

You have co-pays and stuff to do? I have VA medical, so. Okay. Besides like... Subscriptions, let's try to do 50 because you got some games. Do you have any pets? Please know. I have a dog.

Age and health? He's a 5 and he's pretty good health. $50 for pen insurance. How much for dog food? I'd say like 30 bucks a month I just get a big day Anything else that needs to be in your budget

that I have not taken an account I don't believe so okay well we got wiggle room for days meaning your debt situation is absolutely moronic so $4,083 so what I will do is give you

what is that $417, $416 for fun in your budget oh Let's bring you to 4,500, 6,300, divided by 4,500. That means you have an extra $1,800 even after fund, because you being in the debt is the dumbest,

the piece of shit. No reason for you to be in debt. I'm not able to get the Eiffel Tower with that. Shut the fuck up. You have 72,000 hours of bad debt, $1,800 a month to put towards it. It takes 40 months to pay off. That is not that bad given how substantial the debt is.

So it's over three years. Call it four years when we get the entire emergency fund and everything together. a little wig of a room there. You're totally fine. Dude, this is going to be a little bit of a grind,

but I gave you fun money. F-off. Cough! Cough! Well, I actually got in an argument with a friend about wanting to, like, tighten down recently.

Because I told him I was kind of looking at jet skis and then he started buying jet skis and said he was really looking forward to me buying a jet ski from him and I was like, I can't. And I got in a little bit of a confrontation about it. Great. Many of you will talk more about that in the post show.

We're also going to call his mom in the post show and do the dating app, uh, do the dating app audit as well. But let's get his hammer financial score. Hammer financial score. Spending a budget overspent zero, 10 debt. No collections. He can pay off his debt. He's being moronic with it and he missed the payment, but it's a two out of 10 debt wise.

Emergency fund, there is nothing zero out of ten retirement. Definitely behind for your age, but at least you got something there. I'm going to give it a two out of ten real estate. Real estate, yeah. I mean, you break even you don't have an incredible equity position. You still got to do some things to the roof, it sounds like. So I'm going to give it a. six out of ten because of some things you just got to take care of and then get more of a position

in the marketplace. It's going to be a hammer financial score. Two out of ten. Take yours at Calebhammer.com and now click join. See an extra 20 minutes of this episode by subscribing to Hammer Elite. We get three premium shows posted every single day Monday through Friday, including this financial auto boat show. See you there.

There's a protective order against him from his wife. Literally the most I did after we had separated was I left her stuff at her parents' house. for her to say that she feels in danger? This is insane. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pin comment or description below.

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