Financial Audit - The Biggest Losers Ever On Financial Audit

Starting point is 00:00:00 To watch episodes of Financial Audit a week earlier, check us out on YouTube. Your credit score is actually four. I didn't know that was possible. I didn't either. He's a loser. Well, he was the bad boy, yeah. You're getting shamed for not doing the dishes, even though she doesn't do anything all day. Your life sucks.

Starting point is 00:00:14 Are you going to let him say that I don't do anything all day? No. She does do a lot. Oh, wow, you're a whiffed. Oh, I hold people's hands when they cry, but a little bit of pushback on you not meal prepping and it brings you to tears. I feel like I've ran our household by myself for so long. and he has a ring.

Starting point is 00:00:31 I don't know if I'd say yes tomorrow. I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. But I'll only have a thousand available to purchase.

Starting point is 00:00:49 You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join in, and that's a promise. I'm Mason, I'm 27.

Starting point is 00:01:08 I'm Maya, I'm 27, and we're from Austin, Texas. And this is Financial Audit. Yes, it is. Thanks for commenting to the studio, guys. Nice to have a local that's rare these days. Okay, what do you do, Mason, for a living here? I actually sell car keys. I just started this business.

Starting point is 00:01:26 You actually sell car keys. Yeah, car keys, key fobs, remote. If it starts your car or locks it, I can make a dupe on it. Well, why was I, like, supposed to be surprised? Like, I actually sell car keys. Okay, like, yeah, you have a job. Yeah, most people just don't know you can get it from not the dealership. Okay, cool.

Starting point is 00:01:45 You sell car keys. Is this a commission-based thing? It is commission-based. Very good. You're the salesman. Yeah, I'm the salesman. I make the keys as well. He's going into his pitch right now.

Starting point is 00:01:55 You can move on. Anyways. Yeah. Hopefully I'll be running my own business in the next year. What business? Car key business? Yeah. So it's called...

Starting point is 00:02:06 Are you talking about you being a franchise owner? That's what he's talking about. You're not starting your own business. It'll be in a franchise. Basically. Which I mean, yeah, that is like you're kind of in the business owner's sphere there. Definitely very close to it. Actually, I mean, I would say you are, but that is different.

Starting point is 00:02:20 You're not like starting something from scratch and building up. You have a model that works, so that's different. Exactly. Well, okay. Well, there will be lots to talk about there. That'll be interesting. But what are you making now? Uh, right now, anywhere's between 500 and...

Starting point is 00:02:32 Wait, but pause. You've had the job for like three weeks. How the fuck are you telling me you're going to open a branch? Like five. They're going to open a branch? You've had this job for three weeks. Yeah, the goal is, is in six months, I'll be running my own band. Six months, you've had it for three weeks.

Starting point is 00:02:45 How do you even know if you like it? Actually, he does, his manager and him, like, he's mentoring him. He's already been promoted. They have like a track with it. In three weeks? I agree with you. I think it's ridiculous. One's like conspoken meth there or something.

Starting point is 00:02:59 I don't know what's going on there? You're not promoted. What are you talking about? What's this promoted you got in three weeks? When you start out. Wow, you're incredible. Run the whole thing. You start off with sales.

Starting point is 00:03:11 Which you still do. Yes. And then you go into actually programming and cutting and making the keys. And then you go into running the van. That's labor. That's just like basic labor that you do at a factory. That's not like... Basically.

Starting point is 00:03:23 Okay. But after I do that for a little while, that I'm starting inventory. A little while. What do you mean starting inventory? You've been there for three weeks. What do you mean a little while? This sounds like you've just been trained to do the job. Not being promoted multiple times.

Starting point is 00:03:37 You're just unlocking new things just supposed to be doing for the job. It's like if I was a cook, I'd eventually learn how to get to the filet. That makes sense, yeah. Not like I got a fucking promote. Did you get a pay raise? I got more sales.

Starting point is 00:03:49 Why are you telling me you got a promotion? That's what I was told. This dude's gaslighting. Or he's just excited about making keys. He's excited. I just unlocking things in your just, you're in your training. That's all it's been happening.

Starting point is 00:04:03 Basically, don't go around telling people you're getting promoted, guy. But it is a promotion. How? No, it's, because I wasn't able to do it before. And then I unlocked it and now

Starting point is 00:04:13 it's not a skill tree in a video game. I can see it being that, though. It's not a job promotion. That's fair. Okay. Maybe I will. I don't know. Anyway.

Starting point is 00:04:25 In, Six months, I'll be running my own van. Hopefully, that is the van. So it's a van. It's a road show. We love to see some of that looks like you're pulling up in a van in neighborhood. The worst part is it doesn't, yeah, it's at Costco. So Costco, Sam's Clubs.

Starting point is 00:04:40 They work as partners. Partner with them. We sell the keys, make it in the parking lot. Costco is the one that actually gets paid. Okay, good. Very good. All right. You unlock van at the end of your training cycle.

Starting point is 00:04:55 Basically. Okay. So you've been working for three weeks. How can we even tell... How can you even tell me how much amount you make? In three weeks, it's very difficult. Maybe it's been the best month for keys. Yeah, it's definitely fluctuated a lot.

Starting point is 00:05:08 He said... Fluctuated a lot in three weeks, so we can't even tell them. It went from 500 to 900. And two paychecks. Huh? Or what? Why do you keep saying things and making noises? What are you adding to this conversation right now?

Starting point is 00:05:21 I just don't think that he knows completely what he's talking about because he doesn't keep track of any of this stuff at all. So I just... Keeping track. It's been three weeks. What are we talking about keeping track? What track are you keeping? Have you been... How many paychecks have you received?

Starting point is 00:05:38 Two. Okay, what do you mean? He's not keeping track. He said 500, 900. What does they keep track? He just sends them like over to me at the end of the day. Like there's no tracking as to what his check is. Does he know what he got paid or not? Yeah.

Starting point is 00:05:53 Is the 500 correct? Is the 900? correct. If he gave it to you, can you tell me? It was 6.20. Okay. For the first time in this entire conversation, I was actually talking to you and then you didn't talk. Because usually you're talking when I'm talking to him. Sorry. You said he sent you the paycheck. He said he got 500 and 900.

Starting point is 00:06:11 Are those correct? Yes, Net. That is correct. So why are you interjecting and saying, oh, I don't have a great crack? I'm sure you don't get. Guys, I'm sure you don't keep track of either of you or else you want to be on the show. Let's be honest. Either way, why with the, why are you talking? You wear the pants in this relationship, am I right?

Starting point is 00:06:32 That's why we're here. Oh, yeah, I'm sure it is, you little cuck boy. Okay, so you just, yeah, you walk all over him. I can already tell. You wouldn't even let me have a conversation with him for four minutes without you trying to fucking make noises and interject and say stupid shit that I didn't care about. He sh- yeah, he stresses me out because it's like- You stress me out!

Starting point is 00:06:54 That's fair. We're all stressed out at this table then. Because it just feels like, like it took two weeks of him just to ask his boss what his commission rate was. Like he just didn't know that. He was going in blind. I'm trying to like budget for us.

Starting point is 00:07:08 Why have you accepted a job without knowing your commission right? He didn't even know. I needed a job. Yes. Ask what the commission right is. To be fair. I asked in the beginning. To be fair.

Starting point is 00:07:18 You're going to be fair me? To be fair. Fuck you to be fair. Know your commission. rate going into the job before you make sales to be fair okay to be fair what's

Starting point is 00:07:31 I told her what it was in the beginning before I started yes what the committee knew it then he told me what the estimate what his manager said here's the estimate of what most people make for me it's around $1,300

Starting point is 00:07:46 that was the interview conversation he has not hit that amount yet at all in any like obviously he hasn't worked there that long but like it's not looking like it's going to be $1,300. It became, oh, well, they usually make $700 to $900 on a good week. And then it's, oh, on a bad week, $500, and we pay hourly, oh, we don't. So I didn't have an answer.

Starting point is 00:08:05 And this 14% was after his first check as we calculated it. Okay, okay. So. It's just weird to me planning. I mean, I'm already being told that you have a history of dipping out of jobs left and right. Is that correct? He has a history of that?

Starting point is 00:08:24 Okay. Then how the fuck are we planning our entire future? or on a job that you've had for three weeks if you're endlessly dipping out of jobs. What is your history? What's his history of jobs? Rather hear from you. Yeah.

Starting point is 00:08:32 He has a habit of like not showing up or like being late enough that he just stops going. Are you a loser, dude? He also has a habit of just taking whatever job falls in his lap. He hasn't had a career path or anything that he's had a goal for until this job, which is why I'm like, I want to support you in this. Because it seems like you have. Three weeks can we at least let it sit for three months before.

Starting point is 00:08:54 Yeah. Because I bet if you have a van, I highly doubt they just give you, right? It's probably going to cost some kind of money. You rent it. Okay, so now you're like a prostitute. We found that out yesterday. You're like a prostitute.

Starting point is 00:09:04 And they're pimping you out. It reminds me of an MLM a little bit. I'm not going to lie. Like a pyramid type thing. Okay. Yeah. May I have the whiteboard? Okay.

Starting point is 00:09:18 How does this work? How does what work? Draw. Okay. So you have a van. Mm-hmm. At Costco. This is.

Starting point is 00:09:26 Well, his boss has one. right now, but yeah. Well, so you would get a van. Right. Yeah. Very good. That's you. Okay.

Starting point is 00:09:37 So your boss. Who's your boss? Uh, I don't even know. Anyway. What's the context of the... What's his role? He's the owner of that van. He's the owner of that van.

Starting point is 00:09:48 Oh, he owns the van? You're renting it from him? No, no, no. He's not doing any of that yet. That's one day. In the future, when you have your van, who's your boss? Um. Oh.

Starting point is 00:09:56 Not name. I don't need a name. It's not literal. Yeah. The company. Yeah, just... Who's the company? He just wants the name all the names.

Starting point is 00:10:04 I'm just talking about like, what is the context? They own all the vans? Honestly, I couldn't tell you. You're saying this is your entire business in life. Basically, they own everything. They own the vans, they own everything. They give you the van. And the machines.

Starting point is 00:10:19 Yeah, the van, the machines, the inventory. Okay. And they have more people under them? Yeah. So there's... They're nationwide. There's nationwide in Canada, like... So it's a franchise?

Starting point is 00:10:32 Yeah. Okay. So there's more vans. Gotcha. And they all go to the company. Mm-hmm. Is that the main company? Yes.

Starting point is 00:10:45 So you're... The guy that you're using the van right now, do you rent the van from him? I don't rent the van at all. It's his boss's fan. Yeah, yeah, yeah, yeah. No, I got that. So that's...

Starting point is 00:10:56 He doesn't pay anything. The answer would be, no, by the way. No. Yeah. That's all the fucking answer would be. My, I'm going to see you guys. talking to you. Good death, people. Okay. So the answer is no. You do not rent from your current boss who owns the van. Yes. Correct. Correct. Okay. You rent from the van. Can you pay,

Starting point is 00:11:14 can you pay off company the van from the company? Can you pay it off or is it a permanent rent forever? Who owns the van itself, the physical asset? Uh, I believe it'd be the company. So no matter what. So it's not a franchise and fee. You're always paying a rent. for the band. So they own the van. Yeah. Hmm. And his boss gets a bonus.

Starting point is 00:11:38 If he becomes a franchise owner, suddenly he makes more money to. Oh, what boss? His current boss? My current boss. When he promotes me out and I get my own van, then he gets like a kick van. It's like when you hire like an MLM.

Starting point is 00:11:49 Kind of. That's what I'm struggling. It sounds more like a franchise with MLM qualities than a pure triangle. Because for what it's worth, I mean, you're just working directly with the company. You're not like under, like, it would have been very triangle to me if you were

Starting point is 00:12:06 like under the guy that you're in. Yeah, he gets a bonus for signing you up for the franchise. Okay, I get that. But if like he owned vans and he was, you were using the van and renting it out from him and he was renting it out from the company, then yeah, it'd get a bit more triangle to me. But I think it's, it's more on the franchise side and they just make a lot of money because you're paying the rent. What's the rent for the van if you get the van? I believe it's $300. I don't know if My boss currently has two vans And he pays $300 in rent I don't know if it's $300 per van

Starting point is 00:12:37 And he has people working for the van Yeah Working in the van and you're one of the van guys Yeah Okay I don't think it's full pyramidy But it sounds like a Yeah He's franchise it's like franchising out of McDonald's almost

Starting point is 00:12:52 And you got employees And he's his franchising out van So I wouldn't say that I don't know if it's a good business to get into I can't necessarily sign that I wouldn't say it's a full M-O I definitely think it's better than the previous jobs that he's had because there's been no like upward scale.

Starting point is 00:13:05 What he quits after like four weeks and never shows up and losers it out? Dude, you're 27. It's a little longer than four weeks. How many jobs you bail out by 27? You guys have kids? You've been together for a while, right? Well, he has two kids. He told me before you guys have been together for 13 years. He has two kids. I have two kids. We've been together for three years. We've known each other for 13. He was my first boyfriend in high school 13 years ago, and we've known each other since then. Why?

Starting point is 00:13:32 He's a loser. I was like the nerdy kid in high school. He was the bad boy, yeah. A little bit of hip-hoping country, and I'm a little more I can't row. He was the bad boy? How were you the fuck? Look at you.

Starting point is 00:13:46 I have changed a lot since high school. What bad boy were you? I was the party kid that everybody knew and was at every party. Now you're just the drunk failure. Okay. Yeah. Oh, you look at. I don't know if you are.

Starting point is 00:14:03 I don't drink. Yeah. Oh, he said it anymore. Okay. Great. Well, no, I was just saying you look it. So what can I even say you make? $1,500 a month?

Starting point is 00:14:12 It's looking like it's going to net about like $2,500. I'm hoping. What? Hopefully. From the $900 and $500, how are you getting that number? Weekly. Oh, weekly. Okay, so let's call it 25.

Starting point is 00:14:24 That's good. I'm going to sell keys, I guess. Maya, what do you do? I'm unemployed right now. Okay. I lost my job in March. Why shouldn't you're unemployed? I'm unemployed.

Starting point is 00:14:37 Why are you job shitting? Why are you shitting when he's bringing in the money? I get it as a failure in a lot of parts of life. But at least he's bringing in money. You're the one without the job. I lost my job in March. I have an autoimmune condition that flares, and I was in and out of the hospital at the time.

Starting point is 00:14:53 Why aren't you on disability or something then? I have applied for disability. We're waiting for an answer. It has gotten progressively worse over seven years. What is it? So I have type 2 immune dysregulation. I can show you a video that's the easiest way to explain or like a picture. But it's like my skin flares to a point where like I can't regulate my temperature.

Starting point is 00:15:13 I can't move. I can't have a combination. Well, we're applying for every work from home job, but we can, right? I'm applying, yeah. Which means maybe you wouldn't be able to get disability. I don't know. I don't know. I have applied.

Starting point is 00:15:24 It says that supposedly you can still have. Okay. So how long does a flare last? It can last three weeks, four weeks. But right now I'm on. So I can take temporary medication. So right now my skin is a lot better because I'm on it. The problem is you can't take it long term because it like destroys your bones and like cuts your immune system real bad.

Starting point is 00:15:43 I've already gotten like infections from that. I'm not informed enough on this to give a perspective. So I don't know. Yeah. Like I could shit down your throat but then I might be bad. Or I could say yeah, you're doing well. And then people in the comments will tell me, oh no, she's just being a lazy piece of shit. I don't know.

Starting point is 00:15:58 Right. I would have to work. I would love to be, I want, like, even when I'm working full-time, like, I'm working other jobs. Like, I want to be working right now. What's it called? Type 2 immune dysregulation. We are still looking for, like, the official diagnoses. These are, like, parts of it that I experience.

Starting point is 00:16:18 Okay. Well, yeah, that's not going to help us in this financial situation. Okay, so you didn't get unemployment. I did get unemployment. We have two more weeks of it. Okay. Okay, so what's going on, guys? What are we talking about?

Starting point is 00:16:32 You seem domineering and controlling. That's probably true. I don't know, but you're also not the one bringing in money. I don't know. Like, okay, so you sit, even if it's with the flares and shit, you're like, you sit all day. I've been the main earner for, like, all three years of our relationship. My first, like, one was 80,000, and then when I had, like, my own, I was contracting for a bunch of different marketing teams.

Starting point is 00:16:58 Okay, from the National Library of Medicine, by the way. It does say that obesity makes it substantially worse. Yes. I appreciate that, but... You appreciate that. Well, like... I appreciate that there's a lot of things that could cause it. And the reason I can't lose weight is because of the inflammation in my body.

Starting point is 00:17:16 The inflammation marker is... So it slows down all your systems. So my IGE, the normal range is like four... If I looked at all you're eating, you're telling me you're at a calorie deficit every single day. We don't eat multiple meals a day we can't afford to. That doesn't... I am in a calorie. I'm in a calorie.

Starting point is 00:17:32 You objectively can. Well, either way, it doesn't even matter. Multiple meals a day. If I eat two slices of cheesecake slices, then I'm over my caloric amount for the day. It's not necessarily a deficit every day. Meals. I promise. Well, your promise means nothing to me.

Starting point is 00:17:46 Okay. I've had it on this show like multiple times. The inflammation marker that I have, the normal range is up to $460 minus $15,000. Okay. So it's like... No, I'm just going to literally have to take your word for it. Yeah. You can take his word too if he'll speak up.

Starting point is 00:17:59 at all. Well, he's a loser. And usually fat people make every excuse to be fat. That's fair. But, including myself.

Starting point is 00:18:08 So, like, I get it, but it does say literally a 5 to 10% body weight reduction significantly reduces flares for that type of condition. So.

Starting point is 00:18:20 Hyperstineophilic. I'm not going to look up shit. I'm just going to have to take your word on it. Mm-hmm. Okay. So it's like the, a question

Starting point is 00:18:29 the end becomes so now what. Okay, you can't lose weight because the flare does that. The flares are worse because your weight is high. So, I don't think just morbid obesity just like just exists forever though. I agree. So. Like that doesn't just happen to the human body yet. It does when inflammation builds in your body.

Starting point is 00:18:46 Your system, my system does not like digest properly. Like it doesn't function the way that a normal person's work. Yeah, I know. But usually for people that have digestive issues, again, I don't want to speak too much on something. I don't fully have the context behind. But even for people I know that have digestive issues, they usually have just, they have medicine they take to help with their digestive issues. So I take like six medications right now for all the things that this causes, right? But we don't know what the actual diagnosis is yet.

Starting point is 00:19:16 I've been seeing a specialist and oncologist for last year. Oh, you're just going to have to tell me because I'm just going to have to let her go on that one because I don't know. But he smokes cigarettes all day every day. I think you guys can afford more than a couple meals a day. if he's doing like the most expensive addiction that works. Yeah. So shut the fuck up with that. I can't afford to eat.

Starting point is 00:19:36 Yes, you can. I can get you on a budget where you can't eat. I don't even still. With this lower income, you guys would be on food stamps. So like you'd be fine. We were on food stamps until we got cut. And then when I...

Starting point is 00:19:47 Why did you get cut? I was, I got my job. So we were... Well, now you're not. So get it again. It's meant for people in your situation who are in hard times. I'm not against that.

Starting point is 00:19:56 You can afford to fucking eat. Why haven't... Have you... applied? Now, yes, we're waiting. It's pending. Pending for how long? For about a month so far. Okay. Okay. And then you're on insurance, which still your unemployment, which is how much? I get $1,000 every two weeks.

Starting point is 00:20:11 Okay, yeah, you guys could eat. With that, you're at $4,500. You guys can eat multiple meals a day with significant meal prepping. I can get you guys on each. We need a meal prep. You're telling me you can't eat multiple meals today, then shut the fuck up. You don't get to play victim. You don't get to play victim bullshit on that. See, that's partially my fault because my job around the house

Starting point is 00:20:34 is to keep the kitchen clean and shit. It's not just that, though. It's like... Hold on, wait. He's the one that's working. Why is he making the kitchen clean? You're fucking sitting on your ass. With flares, I get it, but clean the kitchen. It's...

Starting point is 00:20:47 Wait, no, no. Why is that your responsibility if you're the one bringing in the money right now? Because the... That is his only responsibility at home. He's his responsibility is making the money. Visit BetMGM casino and check out the newest exclusive. The Price is Right Fortune Pick.

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Starting point is 00:21:26 Hey, why can't you do it? You literally don't have a job. I do do it most days, and it's supposed to be under him. Well, Bill prepping's a couple times a week. I don't understand why you aren't able to do that when you do nothing. Because when I'm flaring, I can't do anything. Okay, but you're not always flaring. It's pretty constant, honestly.

Starting point is 00:21:45 I'm only not flaring because I'm on steroids right now, and I can't take them long term. And I'm, I, Lindsay actually came up with a good idea that I could potentially work with a doctor to take them for. photo shoots or something that I can do like money for. I just... Photoshoes? I'm a... What?

Starting point is 00:22:03 I work in marketing. I have all of my camera equipment. I own a photography business. Oh, you do the photo shoots. Yes. To make money for us. Yes. So I'm trying to find ways that I can work,

Starting point is 00:22:13 but it's unpredictable. I mean, that's... And... Maybe, I don't know. It's a very competitive market. You don't just enter it. And all of a sudden to be successful. Well, I have experience in it.

Starting point is 00:22:22 Everyone has... Every awesome photographer has experience in it. You know how many there are? What the fuck do you think you are? She actually went to school for it. Oh, no, no, no, no. No one gives a fucking the arts. The arts is outcome driven.

Starting point is 00:22:35 No one gives a shit what degree or where you went. It's a fucking, it's the social media presence. What the fuck? Why are you guys pretending like you? See, there's actually something I know about. The arts and out there performing. There is something I actually know about. And just hearing how arrogantly you guys are pretending like you know everything,

Starting point is 00:22:54 immediately makes me doubt everything you said about the medical shit. Because I'm not informed on that, so I'm not going to push back against it. But seeing how much informed you thought about how she's going to do in photography and all or she went to school. It's like, no, you guys are...

Starting point is 00:23:05 So now I can't even trust your take on that fucking medical shit. Because you just showed how arrogant you are and pretending like you guys know everything. I think you're wrong. Droning student loans with massive interest rates, I see it on the show all the time. People get a loan to advance their careers

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Starting point is 00:25:27 So you're making thousands of dollars. It is entirely outcome driven. I think that it could be supplemental income for now. I'm not planning to start a whole business. How are you getting clients? In what? What kind of photography? What are you doing?

Starting point is 00:25:36 Portrait photography, family photography. Okay, yeah. There's definitely none of that in the entire. Huh? I've done it. In Steiner Ranch before, Neighborhood pages, post as a photographer.

Starting point is 00:25:46 I've gotten money from that before. And everyone's doing that. I know. But I'm saying, It's that or like, like, I need to do something. I need to. If you're able to do that, why can't you do something else? Well, because in that specific instance, I might be able to take medication for a shoot,

Starting point is 00:26:00 but being able to consistently maintain a job with how the flares are and how severe they can get, that's hard. That's why I was struggling so much in my job. Yeah, potentially, but you're discounting the amount of work it takes just to even get a, shoot on an ongoing basis. That's what I'm saying. I don't think it's ongoing. I mean, if you literally can't move when you're flaring,

Starting point is 00:26:20 It's like, okay. So, okay, you're getting shamed for not doing the dishes, even though she doesn't do anything all day. Rip? You. Your life sucks. Are you going to let him say that I don't do anything all day? No.

Starting point is 00:26:37 She does do a lot. She's actually been... You're pathetic. You're pathetic. Yeah, but she actually does do shit. The dishes specifically, these soaps that we use, flare her hands and cause blisters and shit. She can't do anything.

Starting point is 00:26:52 No, that's what I'm saying. She does. What are you going to do? What are you going to do in life? Like, just it's like time to give up that night guess. I don't like, I don't know. I have nothing for you. If everything in this conversation is, well, my flares, it's like, what the fuck?

Starting point is 00:27:05 Why did you come to financial audit? This isn't flare audit. I can't help you with your flares. I know. Your body's, that's not my. I can't fix it. I think it's ridiculous. My parents have offered to help us like pay for medical for me to go to Mayo Clinic.

Starting point is 00:27:18 That is our next referral. And we're going. I know. Okay. Well, what can I do? The problem is that during like this time, this is the first time in three years, I haven't been able to work. And I'm not entirely sure that he will maintain us. I can't work very much.

Starting point is 00:27:33 And I'm- Guys, you literally told me you're not meal planning and meal prepping. We plan. We meal plan. I'm not like meal-prepping breakfast, lunch, and dinner. Why? If we're crying about not having enough meals a day with the unemployment, you guys do make enough and you'll get food same soon.

Starting point is 00:27:48 and he smokes cigarettes all day and you're paying for chat GPT and all this shit. Yeah, your little addiction. By the way. Why the fuck aren't you meal prepping? Thank you guys. She has a real medical thing. This is how I'm reading it now,

Starting point is 00:28:07 just with their arrogance and how they're not willing to cut back on things and just how they're doing it and then they complain about the meals. If you guys haven't picked up on this, I am now. She has a real medical diagnosis. But she's using that to be a victim in everything in life. Oh, absolutely not. Well, you're having this conversation so far. So prove me wrong.

Starting point is 00:28:26 It took me seven years of dealing with this. Oh, here we go. To get to a point where I could even like get to like not working. Cool. I don't see how the, how does that make up for you being a victim of not meal prepping? I'm not playing victim. I don't want to deal with this. I don't want to be.

Starting point is 00:28:43 No, but you're using it to play victim and everything. I can't. So far. Meal prepping. Oh, here we. Oh, I hold people's hands when they cry, but a little bit of pushback on you not meal prepping and it brings you to tears.

Starting point is 00:28:56 Meal prepping. Meal prepping. It's meal prepping. Guys, it's meal prepping. I'm sorry, I can't have sympathy for tears for meal prepping. It's not about the meal prepping. It's that I do everything in our house nonstop with this. And I'm being called the victim and you don't do anything.

Starting point is 00:29:13 You work. He's working. You finally got a job after three months of us wasting the $12,000 we had in savings. If he didn't have a job, but he'd be kicking his ass, that he's not helping around the house. But he has the job. You don't.

Starting point is 00:29:25 Why is it on him to deal with the dishes? I'm sorry. If that's the big thing that's back from meal prepping? He says that it's on him to deal with the dishes and he hasn't done him in like six months. So I don't understand how that's his job. Okay, okay. He's pathetic for not doing it,

Starting point is 00:29:41 but I'm sorry. If someone's not doing the dishes for six months, I just step up and do the dishes. I do them. That's what I'm... Then why I'm... Right now, I can't, like... I can't manage our finances well enough to have money.

Starting point is 00:29:56 Oh, shit the fuck up. I'm talking about meal prepping. I didn't bring up finances yet. I'm talking about meal prepping. You literally pulled the victim card immediately, five minutes into the episode about, oh, we can't even give three meals the day. It's because you walk through the dishes.

Starting point is 00:30:15 Dishes! I can't have sympathy for that. I have sympathy for your flare up and not working. That's why I haven't pushed back. I didn't say go get a job. You haven't heard me say that because that's real. I have sympathy for that. Do I have sympathy of running some

Starting point is 00:30:31 a dishwasher? No. I am doing that. I'm not saying it's going. Then why aren't we meal prepping? It's hard for me to manage like all of our finances and try and figure out where we can get money to do that. Meal preping's time.

Starting point is 00:30:46 Meal preping's time. That's why we're here so we can get your budget notebook and all of the things that are supposed to help. Oh my goodness. No offense. Yeah, it's nice. The 30-day meal plan's nice. But you know how to fucking meal prep.

Starting point is 00:30:59 You're not individuals. Guys, spaghetti and meatballs and sandwiches. I can't eat half of that either. Oh, my gosh. Why am I even talking to her then if she can't do anything? What can you eat? It's kind of limited. Hey, what can you eat?

Starting point is 00:31:18 What's the question that you'll be answering? Thank you. We have like a set list. Hey, what can you eat? I mean, there's a lot I can eat. Okay, let's talk about what you can eat. Okay, I can't have tomatoes. I can't have any nice shades.

Starting point is 00:31:31 Hey, hey, I said can. Can, do you know what the word can is? Let's try can. Okay, so like, chicken noodle soups are good. Let's have her answer because, like, I don't trust you. You're a little, you're dumb. It depends on how much I'm clearing, but I can have things like soups. I can have like chicken.

Starting point is 00:31:47 Easy's meal prep. That's the easiest meal prep. That's what we've been doing. What? You just said you haven't been meal prep. We are only, only what, two meals a day. I'm sorry, your tears are fueling me this episode because they mean nothing. They mean nothing.

Starting point is 00:32:05 When there's actually something sad that happens in an episode, I'm sad with the guest. Your tears are pathetic right now. I'm, I have a hard time with this conversation because. Of not meal prepping. No, not of not meal peppering. This whole thing. Well, that's all we've been talking about for 20 minutes. That was disgusting.

Starting point is 00:32:23 Control yourself. It's just that, like, yes, there's a lot that I can't do, and it sucks right now, and meal prepping is part of it. Can we meal prep soup? You said you can have chicken? I'm not, I... You said chicken. Yes, we are meal prepping, like, for a couple days, but it's not, like, a week of, like, stuff that... Unnecessary food, you spent $800.

Starting point is 00:32:48 I can get you $600 at HB with the meal plan and the cookbook for meal prepping for a month. That would be true. So shut the fuck up, trying to come in here and cry. baby, that you can't have three meals a day. When you spend $800 a month for two people on food. Oh, she's going to cry about that too. Okay, what are we doing? What are we fucking doing?

Starting point is 00:33:07 Am I the only one who's going to talk in this conversation or not? No, I'll talk too. I just got told to shut up when I was talking. Okay. Here's the thing. For all three years of our relationship, I have been the main earner. I've worked. Congratulations, here's your reward.

Starting point is 00:33:31 This is the best I can do for a gold star. No, I don't... What's the point? My point is I'm tired of it. Like, I have... Okay, well, congratulations. You're tired of it worked because now you don't work, and he does. So it doesn't matter.

Starting point is 00:33:44 Your dream came true. No. My dream, do you mean? I don't know. Like, E! I was on your side until all of a sudden you started talking about things I actually do know. And then I realized you were just arrogantly being victims. Which makes me just not...

Starting point is 00:33:57 Unfortunately, trust what you're saying about the medical, but I'm not informed enough to push back. So I don't really care. So we had 12 grand from the inheritance that I got or tax return I have or whatever and savings when I lost my job. He just didn't apply for jobs. So we spent all of that 12 grand during that time when I was actively clearing in and out of the hospital. Right. Yes. He now has a job. Guys, do you hear me in this show? I've said multiple, multiple times, I don't give a fuck a about what you have done.

Starting point is 00:34:28 I care about what you are doing. What you are doing now is he has a job. You do not. I'm not going to criticize you for the job part, but I'm going to criticize you for what you do with the money that comes in. And what that is is, I mean, you spent nearly 66% of the money you spent,

Starting point is 00:34:46 getting groceries you all spent going out to eat. You're going to cry and bitch and moan pathetically about not being able to eat three meals a day, yet you go out to eat. Guys, most of that's my fault honestly. This is first world problems. This is beyond first world problems. Complaining about not getting enough meals on the table, yet you go out to eat?

Starting point is 00:35:09 We don't go. What conversation are we? Oh, hey, a woman, you go out to eat. You can't say that. But y'all don't say that. Shut up. You literally can't say that is me getting food. Hey, you're a part of it?

Starting point is 00:35:22 No, like we don't go out on date. When are you going out? It doesn't have to be a date. To go out to eat. Hey, is McDonald's going out to eat? Is Chick-fil-A going out to eat? Is Starbucks going out to eat? Is getting DoorDash of $359 going out to eat?

Starting point is 00:35:35 That was groceries. Not all. We'll see. Yeah. Pizza Hut? Is that groceries? Is that going out to eat? No.

Starting point is 00:35:41 I don't know. I feel like Pizza Hut, if I'm not mistaken, is not actually being made at home. I might have to be fact checked on that one. I thought you meant like restaurant. McDonald's. Did you make those fries at home? Where was that ingredients you got from a store called McDonald's? So you want to come in here and look sad

Starting point is 00:36:01 and get the sympathy of the audience and me for not being able to have three meals a day, yet McDonald's Chick-fil-A, Starbucks, door-dashing, and pizza hot are happening. Oh, yeah, there you go. No, you just got called on your shit. Sorry, it can't be victims when there's proof of you guys not being actual victims.

Starting point is 00:36:25 I know that's a card you seem to have played your entire life so far. You're saying no, yet you just did it for 35. minutes. That is not a card. I played my entire life and that's not how I operate. What? That's how you've operated in at least multiple parts of this conversation. Yeah.

Starting point is 00:36:41 I'm in the part of my life for the first time I can't figure it myself. I'm not criticizing the medical thing, but you're a victim. You're a victiming on the food prepping. You're a victiming on the budget. You're victiming on the income coming in. And I'm talking about the unemployment differently at the job you got fired from, but you still got unemployment anyway. You're a victim talking about not having enough meals yet you spent enough

Starting point is 00:37:02 for three people on groceries and you also went out to you for an additional $600. Yes, you absolutely did. Don't try to pretend like you did and I will not let that slide. There will be nothing productive that it comes in this conversation if you are not able to accept that you were being a victim.

Starting point is 00:37:18 If you are not willing to accept that part of your behavior being called out, then you'll never improve ever in your life. And then what the fuck am I doing? Right. Uh-huh. Speak boy. On what?

Starting point is 00:37:32 Something. She said you're not speaking, so there must be something there. In fact, unfortunately, when I look at you, I can tell there's nothing, but... Honestly, I don't know. I don't know. Told you. There was nothing. Okay. So you're the breadwinner. How much were you making? 65 to 70, depending on where I was working. Now, you were telling pre-production that you had your last job for 10 months, and you were stressed all the time. which led to the flare-ups.

Starting point is 00:38:03 But you were in, I mean, no offense. And I have some of them here, and they have the least stressful jobs. Marketing. Marketing is not stressful. The boss that I had was like crazy. She had... Wait, multiple people were going to the fucking ER from this marketing job? From the boss that we had multiple people on my team all went to ER for stress-related incidents, yes.

Starting point is 00:38:24 What? Okay. Make sure you never hire anyone from that team. Sounds like a lot of bunch of bullsies. Oh, no. No, she was a bitch and I never spoke to her directly. Buddy, did you work there? No, but I could-

Starting point is 00:38:40 Shut the fuck up. What? I worked from home, so he witnessed it. She worked from home! What did your boss do? Took her credit. Well, she, not only did she take credit for everything. She was...

Starting point is 00:38:53 That's our... No, no, no, no. No, no. No, no. No, no. She's, she not only is working other jobs, like, while supposed to be maintained. this job.

Starting point is 00:39:03 Does that give you the stress to go to the ER? She had another job? No. I'm not saying. We picked up her whole workload. We had no training when I started. Okay. These are basic job things that everyone has experienced out there.

Starting point is 00:39:14 Continue. Okay. I'm waiting for the . She would constantly push off all of her work on us last minute and like... You've all experienced this and so we'll buy. I've experienced it. I'm not saying that it's like not... You're saying that it's like not...

Starting point is 00:39:32 everyone went to the FI.R. I'm waiting for the thing that sent everyone to the ER. It was constant. It was like, it's not like, was, it wasn't like a boss. Like, if I dealt with a boss, that's fine. I mean, she was like pushing off projects telling us we had one day to do them when it was like a two-week project to make a book, like a whole thing to print and produce, right? I mean, she's up. It sounds like a shitty job, but we've all been in this position before.

Starting point is 00:39:57 Yeah, it was a horrible job. And I kept it and I did it anyway because we had to. As you said, right? I think you guys were enabling each other. I really do in this victim mindset shit. I really do. No, my team member who worked under me went to the ER for, she was in for a week and a half.

Starting point is 00:40:14 She was admitted for, like, she had some stomach thing. They were saying if she doesn't cut back stress in her life, she's going to have to surgery. Okay, she had a stomach thing. She needed to cut, cutting back stress is a thing that is oftentimes given as a prescription to multiple things. That doesn't mean she was given that due to her. stress, but you want to cut back on stress through a lot of things that happen to your body.

Starting point is 00:40:35 Yes, that is very common. Blood pressure, blah, blah, blah, all of it. Cut back on stress. That doesn't mean stress caused it, though. Well, from my understanding. Oh, fuck. From my- You guys can never have a job.

Starting point is 00:40:51 No, her previous job, she held down for like multiple years. What's multiple years? Four or five years. Okay. Multiple years is more than one. working as a contractor. So I worked full-time for Canon, VMware,

Starting point is 00:41:06 a marketing agency called Innovatus, and a couple esports teams. Why didn't you leave the job with your Nazi boss? Because I didn't have clients anymore. My main client did not fulfill. No, why didn't you go get another job? I was applying the whole time I was there.

Starting point is 00:41:21 I just, I couldn't find anything that, like, I would go through interviews, multiple like interview processes, get to the final point, and they would say, you know, we would have selected you.

Starting point is 00:41:30 See, this is what's concerning for me. With the notes that I'm given and what you talked about the little side stream of income that you want to keep being an entrepreneur, you want several streams of income, and you want to make businesses out of hobbies. I don't think you realize

Starting point is 00:41:41 you having a bad boss, that was stressful. You will never experience stress like running a business. I know. It is the stress most stressful. If you ever get employees, if you ever get anything,

Starting point is 00:41:52 you will never experience stress higher than that. I've aged like 10 years and two years. That's why I have to do something about like my flares, Like I have to pursue it. Oh, wait, well, all of a sudden, when it comes to her doing what she wants to do, she can do something about her flares. But when it comes to her working a job, she can't work a job because of her flares. That's why, like, right now when I'm not working, that is what we're doing.

Starting point is 00:42:14 I'm on the second month of a new treatment that we're trying. I'm supposed to go to Mayo Clinic in July. I start with a new specialist. Okay, so it's time to get a job after that then. Right. And that's my concern is like we're blowing through savings like crazy. this job. Like, I appreciate

Starting point is 00:42:29 Why are we going out to eat? Why was there going out to eat spending $500? Right. Because it needs fixing. But let's cry about it. Yeah, keep touching. That's going to make this go better.

Starting point is 00:42:48 I think you guys got called in your shit for the first time in your life because no one around you is willing to. Yeah, I don't really have very many people in my life, especially to call me out on my shit aside from her. And she does call me on my shit

Starting point is 00:43:04 most of the time. Yeah, like not doing the dishes. Not doing the dishes, keeping a job. Well, keeping a job, you should probably just be a f***ing adult. Yeah, that would be nice. I don't think that's her nagging or her being on your ass. I think you should just get a job and take care of the house like

Starting point is 00:43:20 an adult. Yeah. Yeah. And it's pretty pathetic not to you. You guys said you have kids, right? Is that what I heard? Yeah, they don't live with the... We don't have a full cost. How many kids? Two. Five and six. No, you said you have kids. I have kids. You have kids. Five and six? you probably provide child support yeah

Starting point is 00:43:35 roughly 200 a month does that not anymore though yeah why because the child support is to my mother my mother has custody yes when I

Starting point is 00:43:43 when I lost my job we her and I sat down with our budget and we were talking about like not doing it in the meantime while we figure out what's going on

Starting point is 00:43:51 how do we even communicate in this house because I feel like you probably just like we don't yeah I bet it's you hammering shit down and you'll be like I'm not thinking about anything

Starting point is 00:44:01 He just won't talk to me ever. Like, we'll sit down to look at our budget and he'll look at it and be like, I'm too tired to have this conversation right now. And then you're yelling cry out. No. We just stop. We actually don't fight very often at all.

Starting point is 00:44:16 We just don't talk at all either, which is why we're not fighting. Well, I don't know if he's capable. But, I mean, I'm being told you primarily talk about your relationship through sending each other TikTok videos anyway. Neither of us watch him. That's a whole thing about it. Well, I don't think that.

Starting point is 00:44:31 that's a way of communicating anyway. I'll just lay that out there. It's like a passive-aggressive type thing because it's... Oh, it's because you're both... And he's just... Yeah. Basically. It's just frustrating.

Starting point is 00:44:44 I feel like I've ran our household by myself for so long. And he has a ring. And I'm like, I don't know if I'd say yes tomorrow. Oh, you're not married. No. Oh, thank goodness. Both of you run from each other. Hey, dated in high school.

Starting point is 00:45:01 That's great. Guys, no offense. I mean, I don't want to. If he's leaving it, it's not like leaving someone that just got like like state drive cancer, right? I mean, right? Right? Like, it would be bad if he left her.

Starting point is 00:45:20 Probably it would look bad. It would probably be less stressful, actually. Huh? It would be less stressful. He would be less stressful? No, no, no. I think it would be like if we would. were to break up, it probably would be better

Starting point is 00:45:33 on my players and less stressful. Oh yeah, that's what I'm saying. I think both of you would be much happier. I don't know why you guys are together. Like, well, what is keeping us together? Love. Huh, sounds like it. Is she going to cry the entire hour and a half?

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Starting point is 00:47:27 Don't lie to him, probably. I'm just, it's like all the, like, we've never been able to talk about it or like sit down. I can't get him to have a conversation. All right, let's have the conversation now. So this is the first time that we've sat down and it's just all coming out. So what have you wanted to say to them? Tell them. One, I don't know if I'd say yes if you proposed tomorrow. I love you and I've loved you for like so long, but you don't help around the house.

Starting point is 00:47:52 You don't apply for jobs. You don't contribute to our finances. You have no motivation in life to have goals. I want to accomplish something. I hate that I'm in a position where I can't right now. And you have watched me at home still doing everything I can. I've gone through our whole house, which you failed to mention. Like I am actively door-dash. I'm the first person who's fixed our car, which that was a whole surprise.

Starting point is 00:48:15 And like $1,300 we did not need to spend had you done what you had told me we're going to do. I feel like I spend all the time being in charge and undoing what you just like, if you don't do it, it becomes a problem and I undo it. And right now, like now that we're in a position where it's like I'm not making money, then what? Like, do we lose our apartment next? should we figured this out because I don't know. You know, well, how much do you make in commission? I don't know. You forgot to pick up your check for a week and a half.

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Starting point is 00:49:41 where it's like, oh, you know, you're not cleaning while I am home. But so. That's fair. I can admit I was a lazy piece of shit for the first three years of our relationship. Didn't help, didn't do. Wait.

Starting point is 00:49:56 I believe this. That's the all of it? That's all of it. But continue, please. Our three-year anniversary was in April. Sorry, I don't want to interrupt you except that just did. continue. That's fair.

Starting point is 00:50:06 Anyways, I have been a lazy to shit. I haven't helped out. I haven't done anything to support the relationship. But I feel like I am starting to try to help out. You're showing up to your job. And I would argue that that's a pretty basic adult skill that needs to be done, right? But I would say that I've heard you say that you recognize that it's wrong and that there's a problem and that you recognize that the stress is like clearly having an issue.

Starting point is 00:50:36 Because he has said a lot. I haven't done anything. Yeah. I haven't. I am working on being more, not open. Open is not the right word, but communicative. I don't think that's a fucking word. That is the word.

Starting point is 00:50:54 Okay, well, that. I am trying to actively be more present in the relationship. I haven't done the greatest job of it. Mm-hmm. So... Is he? He's saying he's working. Is he working?

Starting point is 00:51:09 He is working. Okay. He's doing that. No, no, no. He says he's working on all of that. Is he working on all of that? Or is he just pushing it off? So he went on a business trip for a week this last week.

Starting point is 00:51:19 He's been gone the whole week. He had four days off before he left, and I said, before you leave, I need you to do these three things that I can't do. Before you go, I need you to fix the litter robot that you, like, deprograms so it's working while they're gone. I need you. you to do the dishes that you have your special cast irons, that you wash a specific way and whatever. Fair. And what were the other ones?

Starting point is 00:51:44 One more. Should have been. Either way. There's two more. But they were like very simple like things and he had four days to do him. And I told him at the beginning of the four days. So he had plenty of time. When he left, he left the litter robot unplug, didn't fix it, didn't do the dishes,

Starting point is 00:51:59 didn't help with like any of the four things I had asked him to do. there was actually something that caused a problem I'm trying to remember it was yeah he had left it like completely unplugged to the point where like I didn't find out until like a couple days in why don't you just worry why don't you do anything also what the

Starting point is 00:52:17 business trip two weeks into this job? yeah they go to Tulsa they go to Tulsa once a month to go sell there because it's a better market but that was not our experience when he went yeah what the fuck Tulsa they

Starting point is 00:52:32 They just need more keys? Yeah. No, but they just don't have a van up there. Why doesn't someone start a van there if it's such a good market? Because my boss is now covering it. Open your phone, give it to me. Oh, thank you. It's an iPhone.

Starting point is 00:52:47 What do you mean? Whatever I want, boy. How is it that you are four years younger than me and look 40 years older than me? A lot of what I was doing. Not good shit. You also don't have a chin. he's not wrong damn

Starting point is 00:53:08 we've talked about that though yeah he needs dental work ask him about his insurance oh it's a dental thing oh ask him about his interest that's fine

Starting point is 00:53:19 I don't know if that changes you have it a chin uh type of your passcode freak do you not know your passcode wait it's like a pin not like your

Starting point is 00:53:35 passcode passcode yeah it should be we back up I don't know what you did. Okay, you will eventually lock your phone. This. Free failed passwords, bro. How do you not?

Starting point is 00:53:52 Trying to look at a screen time, which is for some reason password protected. What the fuck is wrong with you? Uh, I have no idea what that passcode is. Would it be our university? That's what I tried. Brother. Uh-huh. He doesn't know his bank password either.

Starting point is 00:54:09 So she has to take care of everything for you. Do you want me to try? he's not hiding chef no he's not hiding shit I'm just a little slow sometimes

Starting point is 00:54:28 oh so she she's so she got your health insurance for you because you're pathetic she knows your bank logins because you're pathetic why can't you do shit

Starting point is 00:54:40 um just a lazy piece of shit and I'm re-learning shit he answered it we just leave you might love them but your life will be so much better without him

Starting point is 00:54:49 you guys haven't bred yet. You're not married. Leave. Leave. Why? Why? Yes, you love. You'll love someone else.

Starting point is 00:54:58 There's a lot of life. You're 27. Leave. I told him that if this isn't something that we can resolve, then... This isn't just something, though.

Starting point is 00:55:07 This is the finances. I'm talking about it. He leaves his job every five seconds. He's only excited because he just went on a trip to Tucson. But that... He doesn't do his, like, custom dishes that he needs to do.

Starting point is 00:55:19 He doesn't do the kitty. letter. He doesn't do anything. Bro won't get health insurance. Bro won't do anything. Doesn't know his bank loggin? He can't even burp like a normal adult that's on camera that you need to leave this man. I'm sorry. Like, I don't know.

Starting point is 00:55:38 What is, what does he provide for you? Besides that you love him, which is important, but you will find love. Yes, you will. No, no, no. To answer your question, um, he, I mean, he does show up in ways that, like, if I'm flaring and I need help, like, he will help. He's there, like, you know, but, but financially or, like, in terms of having goals or motivations in life, like, no, that's not something that he seems to. I couldn't be with someone like that, even if I loved them.

Starting point is 00:56:14 I can't either. Even if it was Sidney Sweeney and she didn't have. I could be with Sidney Sweeney if she was, like, I'd make her my, housewife. I'm not going to lie. It'd be fine. They're fine. She can have no ambition or everything like that. Yeah, yeah. But listen, he ain't a 10 out of 10. I just, I know that like he's capable of it. I've seen it before. Like, we've been friends for sure. When? When he does it for like a month? No, he didn't used to be like this. Like years ago, like when we've. What happened? He went and made some poor choices. That's fine, but the

Starting point is 00:56:46 poor choices are done, right? Right. And he's, why is he not bouncing back? I don't think he feels capable. Like, like, this job for the first time, like, I think the reason he's so excited is he feels like he is doing something. Okay, but for what it's worth, he's excited that he's been in a job for three weeks. One week was on a paid trip to the desert. Like, he's two, we're all excited a couple weeks into it first. Dude, I was excited. A couple weeks into when I worked at a pop pop place. That place ended up sucking.

Starting point is 00:57:15 Yeah, I worked at a garden center. I was super excited and then I hate that joke. Exactly. That's how it all starts. So that means nothing that is excited. Right. I just, I want to give him the support to have whatever career path he wants, but I just don't know how to do that when he doesn't even know what he wants. Go to settings.

Starting point is 00:57:30 Well, I don't think, because for what it's, change screen time, turn off screen time pass. Yeah, but he needs to. I might know it. You got to wait four minutes. Oh, you can do forgot passcode. And then your Apple account. Do you know your Apple password? Buddy, if you don't know your Apple password, I'm going to, and I actually believe it.

Starting point is 00:57:54 I believe it. He's... If you make kids with him, they're going to have, like, triple downs. You can't. Don't breathe with this man. It hasn't been tracking. So we can't even see. Because it's been off.

Starting point is 00:58:14 I will say you won't see anything on there anyway. He doesn't spend a ton of time on his phone. He spends it all on his computer. Even at home when she needs extra help? Yeah, like a. I mean what? Oh, gaming, she says. Gaming.

Starting point is 00:58:25 Apics. Okay. How many hours a day? It was pretty constant. Was? I'm talking about now. I introduced it to him like maybe two years ago. He has about 4,000 hours on the game already.

Starting point is 00:58:38 Okay. I mean, that's a lot. And I know people with even more, right? 4,000. Yeah. How many did you have unrestfated? 5,000? Okay, it's a lot.

Starting point is 00:58:48 It's a lot. Yeah. Okay. Yeah, that's a lot. Okay. But how much now? though? From the time he gets home until he goes to bed,

Starting point is 00:58:56 so probably about four, five hours a day. And then on his days off, it's all day. You just started streaming again, too. See, if you're able to stream, if you're able to do the photography... I've streamed twice.

Starting point is 00:59:07 But even still, let's pretend you make it as a streamer and you make a full time. You wouldn't be able to handle a cancellation. The first cancellation, you get your body would literally... I've been a streamer before. Yeah, big enough to get a cancellation?

Starting point is 00:59:19 Yes, I was making about two grand a month as a stream. Okay, so not big enough to get a real. cancelation. If you ever made a substantial enough living off of it to get a real cancellation, your body would literally explode. If you're stressed from a marketing job because your boss handed you a last minute project was enough to flare up, dude, you would die.

Starting point is 00:59:36 You would actually die. Your organs would shut down. You couldn't handle it. I don't think I can handle not working either, though. I have always worked. No, like, okay, what do you guys think your hammer financial scores for the household? Zero being the worst, 10 being the best. you're able to get there all on your own.

Starting point is 00:59:55 Proud of you. It's yours for free, Calebhammer.com. Take the assessment. Just takes a few minutes to see where you stand in the world of money, where you're doing poorly, where you're doing great, how you can get to the place of doing great. And a good way to get there, unlike the guests on this show, is to download the dollar-wise budgeting app.

Starting point is 01:00:10 Take the free trial, so you like it. Most people do. And if you do, sign up for the annual version it saves, almost 50%. That's why most people do it. And then you also get the signed version of my 30-day meal plan. Thank God. I'll sign it and mail it directly to you.

Starting point is 01:00:27 It comes with the digital version of the cookbook for all the recipes. Appreciate it. Uh-huh. That's for all snacks, drinks, and meals. Huh? If you're a good boy, I'll sign it. Say list. Visa.

Starting point is 01:00:40 Well, best buy. All of the credit cards. Well, you're a nerd too, so. Oh, okay. Well, why are you going into credit card debt? Because we have to pay bills. So when I, like, in the time... Why don't you go out to eat $500 hours last month?

Starting point is 01:00:53 Doesn't make sense. Miscellaneous bullshit. Also $500. It doesn't make sense. So you spent on bullshit minimum $1,000 dollars last month. You can't use the excuse because it's to pay bills. You've been spending bullshit. You're on. He's, he just got this job. You're unemployed. Unemployment's about to run out. Food stamps hasn't kicked in yet because it takes like 30 days. Why a thousand hours on bullshit then? I guarantee you all the credit cards going up was not a thousand dollars. You spent $260 hours on here. If I turn the page, will it all be necessities on the best buy card? The best buy card, no.

Starting point is 01:01:21 Then how can you tell... See how she tried to be a victim there? She tried to look good. She tried to do it again. Now you're right. Why is the credit cards up? We had to pay the bills that we couldn't afford. I asked the cards and I obviously said the best part.

Starting point is 01:01:38 Buy card. Oh, we couldn't afford to... I had to make sure they... Food was on the table so we could live. Okay, okay. Like what are you talking about? $216.49 cents spent! Well, interest is accruing while he only made a $30 minimum fee payment,

Starting point is 01:01:54 which was higher now, it's up to $51. $51 is your new minimum. Yeah, you owe $1,929.4 on a $2,000 limit. What do you know about the finances of this household, my friend? Honestly, not shit. I know... Do you know shit about anything, my friend? I know shit about car keys.

Starting point is 01:02:19 I can tell you that our... He been good at Apex? He's okay. Oh, I'm not master. Four thousand hours to be okay. What are we? Four thousand hours to be okay. He was almost a master's player.

Starting point is 01:02:32 Put the fries in the bag. He won't work fast food. I don't do fast food anymore. That's not what I'm saying, but also, yes, you will. You are the prime suspect for fast food, no offense to fast food workers. No, he was a full-on-made shit manager and everything for fast food. He was, like, excelling in that. He just won't do it.

Starting point is 01:02:49 I won't do that. Well, that's pathetic. leave him. If he won't do something, leave him. Are you flaring now? You're getting red. It's because I cried. Does that equal flare? Are you going to break? No, my skin, you'll see it.

Starting point is 01:03:04 Like. Is it disgusting? No. You saw the video. I mean, it's just going to look really red. I'm going to be able to draw on my face. Like, we can play tic-tag toe. Well, why didn't you like fast food? Was it the clientele?

Starting point is 01:03:21 Not necessarily the clientele. It was the... Oh, it was the work. It was... He worked at KFC. He did. I ran that KFC. Who's the slimy little common of shit twinkle toad cocksucker down here?

Starting point is 01:03:35 Who gets signed his own death warrant? Oh, just like you're going to ran the van. Run. I know. I was using your word. I was being a silly goose. But, yes, I'm going to own that van. With rent.

Starting point is 01:03:49 You're going to rent it. With a permanent rent forever. Right. Okay. So let's see what this best buy card was spent on. That is basically max out, by the way. Max out, by the way. Max out.

Starting point is 01:04:03 Okay. That is a problem. Yes. I understand. You've had a late fee this year. Yes. Why? Why?

Starting point is 01:04:12 Before she says what she says, $1,000 on bullshit in a month. Yeah, no. I'm trying to remember what the late few was for. I don't remember candidly. I have, I think, three total. I don't know. Your eyelashes is falling off your red eye.

Starting point is 01:04:28 Inside corner. Oh, it was last month. Best Buy. Interactive software? What'd you buy a Best Buy for $216 dollars and $49? We replaced his controller and returned it. Yeah. No, we returned it, though. Yeah.

Starting point is 01:04:49 Okay, we didn't need to replace a controller. I'm glad you returned it. I'm sure you'll spend it on something else next. $30.74% interest rate, which, by the way, the deferred interest, not that long from now for the first one, so much interest is going to hit this card. It's going to boost it way about the only.

Starting point is 01:05:04 It hits in January. It's $300 in January. Oh, if it isn't a nice old, Affirm Clorna, she's a Klarna girl. What's your clarning, Klarna girl? I'll tell you what it is, Amazon, Amazon, Affirm. TPW? Fishing.

Starting point is 01:05:22 license. Do we need a fishing license if we're complaining about not being able to put food on the table? Is that what the food on the table you're going to get is fishing? No, but we have caught fishing. Because you're in Austin. Where are you fishing? Like Travis? Lake Travis.

Starting point is 01:05:36 You need a fishing license to fish on Lake Travis? Yes. You need a fishing license to fish anywhere. That's true? Yes. I've done a lot of a... No, I haven't. No.

Starting point is 01:05:45 That was a long time ago in Michigan anyway. And all water passes about 40 bucks each. Okay. This is a hobby. correct? Mm-hmm. Okay. Why are we doing this if we can't put food on the table?

Starting point is 01:05:59 Because if you get a fishing license, you can put food on the table. And is that what you're doing? It's not why it happened. We were on a trip with my parents to Corpus, and he had a buddy from high school who wanted us to go fish with him. He's a commercial fisherman required us to have licenses. When you couldn't put food on the table. Any chance 500-hour polls came with it? Yeah.

Starting point is 01:06:19 The answer would be, yeah. pathetic. What is wrong with you? That was... You said, the credit cards are going up because we can't afford... We're just putting our necessities on it. We're putting our necessities on it.

Starting point is 01:06:32 The polls were actually inherited from her grandfather who passed away. How did you spend $500 dollars on polls, though? So we fixed his rods and then we bought him... Do we do that when we're unemployed and we're dying? We had gotten the inheritance and it was like the week that I lost my job. What, the pole fix? Yeah.

Starting point is 01:06:51 Yeah, so we fixed my grandpa's poles, and then we got him fishing rods. And then the logic, which rightly... The logic is you go to Lake Travis now and use these poles and get some fish on the table. The logic was we have something we can do together when we're broke. Carp? Not necessarily tasty, but it's everywhere, and it is still protein. Yes, exactly. And there's also catfish in there.

Starting point is 01:07:12 We also grow a lot of our food, too. What the fuck are we talking about? You're biking further and further away from what you're... I'm trying to... So we spend a lot on bullshit. That's part of the problem is like... What you're growing? How much land do you have in Austin?

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Starting point is 01:08:02 So we have tomatoes, jalapinos, onions, potatoes, blackberries, blueberries, blueberries, bell peppers, bell peppers, but... Carrots. Carrots, maybe. Okay. And we have a community garden in our complex. Yeah, that has like apples, pears, plums. Well, you better fucking eat it all. That's fucking that.

Starting point is 01:08:21 Okay, listen, that's just an upcoming payment. Pull up your affirm for me. That's Klarna. Do you want a firm? Yeah, Clarno, great. So I know a firm's coming. Yeah, it is. It's worse.

Starting point is 01:08:32 Okay. Why is your screen so nasty creature? Ugh. Just what are you doing, lady? Can you just fucking like, eh? Have you seen my skin? That's an impossible battle. What?

Starting point is 01:08:47 What's happening? It just... You shedding? Pretty much. Use what? I do daily. We have three hour routine. Yes, it's like a whole fucking name.

Starting point is 01:08:56 Okay, you're broken. Why are you with her? Because I love her. Okay. It wasn't like this six months ago either. $319.83. Looks like you're monthly. Well, because you got them all in like the 32% interest plan. $32.25.

Starting point is 01:09:12 Fuck you. Fuck your. Oh, so I'm just touching all your skin right now. This is nasty. Amazon, Walmart, TikTok. TikTok. said I'm a... TikTok!

Starting point is 01:09:23 Huh? I said and you said, I'm a pussy. It's just dry skin. Touching other people's dead skin? It's not a choice. That's being a pussy? Yeah. Putting it on my fingers.

Starting point is 01:09:34 Yeah. Other people's dead skin. Yeah. Moving on to... I'd rather be yelled at by TikTok. So that purchase, specifically, I can only wear certain fabrics and stuff. Of course you can.

Starting point is 01:09:48 We got them from... If you look at it, it's all shirt. from this one company that like it's a certain like fabric that we've known that I can wear and so it's all that. I'm just brushing around skin right now. You want me to wipe it off for you?

Starting point is 01:10:03 That's kind of fucking stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $200 in bonus cash right now. When you sign up for the checking account that I use,

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Starting point is 01:11:45 But do you need this many shirts is the question because you are getting that. Because I'm, yeah, you're getting a lot of shirts. And also, paddleboards. Mm-hmm. All shirts. All shirts. F***er's shirts, paddleboards. Well, that was-

Starting point is 01:12:00 You don't need paddle boards. No, I agree with you. Well, you agree with me. And then you're good. It also got some sage. Does that make your skin better? That was vanilla bean. Are you cutting off your skin?

Starting point is 01:12:09 There's an air pump. Got to get it for the paddobords probably. And then a lot of shirts do you need all that? All your Amazon. Yeah. The shirts are the, one that you see are on Klarna though. Yeah, how many do you need?

Starting point is 01:12:21 One thing in the cart, what's you thinking about? You don't need more fake jewelry. I didn't buy it. It's in the cart. It's a dangerous place. Okay, well, you got, yeah, a lot of makeup shit. A lot of makeup, a lot of makeup shit. Injection pain release.

Starting point is 01:12:40 It's for when I get my treatment. That one's actually fair. Cat stuff that's fair. You got official. Aren't we fishing already, guys? What are we doing? That was canceled. Thank goodness.

Starting point is 01:12:51 Gloves. With the skin? Yeah. Okay. It's for the cats. Okay. Now there's too much cats. If you're getting too many toys.

Starting point is 01:13:00 If you can't afford to put foot on the table, we're not getting that many toys. Way too many things. Guys, we're getting, how many gloves do we need? A lot. What? Why? You don't need kitchen aprons? I think that you're back past...

Starting point is 01:13:13 You don't need kitchen aprons. No, I agree. I think you're back past when I lost my job. Even still. It's insane. You guys didn't have a fully funded emergency fund. We do. We did at the time.

Starting point is 01:13:21 Not fully funded. 12 was enough? I don't think so. If you're not able to survive right now for $4,000 and $12 was not enough for a fully funded emergency fund. That math's not math. Your rent alone is $1,800. Which is crazy, by the way. Yeah.

Starting point is 01:13:34 He wasn't working that entire time and you allowed to have a $1,800. Well, I paid all of that myself fine. Like, we still saved money. So, why you say it's a three-hour routine to make it sound worse when you told pre-production earlier that it was an hour routine? Well, I do it multiple times a day. So three times a day, loggering? Are you going to do it in the post show?

Starting point is 01:13:51 Please don't. No. Okay, give me that a firm, which is where all the Amazon's, which was honestly mostly bullshit. And being honest, there's a couple things. Then the medical thing was good. Cat food, I understand. Endless amount of gloves and cat toys and aprons and bullshit and bullshit and bullshit.

Starting point is 01:14:07 The gloves are firm. I mean, you have like a thousand pairs of us. This is bad. $1,289.95. Okay. And I'm trying to figure out the minimum. Ew. Oh, man.

Starting point is 01:14:20 Do you want me to wipe it off? Why didn't you do it now? Because I forgot. We're just... I'm trying to figure out... I don't use these apps. Shit, man. The only times I do is on the show.

Starting point is 01:14:33 I'm afraid if you touch it, it'll get nastier. Okay. I'm trying to get to, like, your purchases or something. Okay. Wait. Wait. Wait. Wait.

Starting point is 01:14:46 It's at the bottom on the homepage. Card? It would be under like manage. Manage? Yeah. That makes sense. Okay. And your minimums.

Starting point is 01:14:55 Okay. $231.13. Okay. Good. Oh, we have an Amazon card on top of it. Great. Why do you have all the credit cards and he has nothing? He doesn't have credit.

Starting point is 01:15:09 His credit was a four according to Lindsay. I found that out before the show. What is wrong with you in life? You suck. Yeah. You suck. Go live in a cave. He probably loved that.

Starting point is 01:15:21 Yeah, he has the brain of somebody who lives in it. Honestly, I would prefer to live in the grids. Couldn't have your apex there, though, buddy. That's fine. I could have real life apex. Why would I work a second job? Why would I work a second job if I'm living in a cave? For more money because you're on unemployment and you're maybe in the future wife can't work.

Starting point is 01:15:40 That's why I'm trying to own a business. Oh, fuck, buddy. Owning a business means money and shit, dude. Oh, he's, he's, he's, that just meant he's fucking. But... That just meant he is so... He is so f***ed if he thinks that's his way out. Businesses take forever to actually be able to bring home a decent profit.

Starting point is 01:15:56 Forever. I'll say my boss says he's been at it for a year and a half and he's bringing home like 200 grand at the end of the year. That's why it sounds like an MLM because everyone has all these sales techniques to try to get you to do it. Yeah. Then the commission thing is kind of weird. And it's weird that it was $1,300 when you first started.

Starting point is 01:16:13 And now it's like, well, 500 on bad weeks. It's like, well, that doesn't help me manage the budget. Yeah. Yeah. Okay, so $1,474.84. Minimum monthly payment, $80.31. $33 of interest. Fees being added.

Starting point is 01:16:30 Why? Purchasing on a card that we can't pay off that take seven years to pay off. We had to put the car on it. Huh? We, so. Your vehicle from from drive? We had, not, not the whole purchase.

Starting point is 01:16:41 No, it was prime video, prime video. Oh. We're having movies and getting prime video. We can't put food on the table according to you. Ah! Someone please inform me! Inform me! I must be...

Starting point is 01:16:54 Because I'm confused! It better be entertained and broke than just broke. But you wouldn't be as broke if you weren't spending as much money on the entertainment else. You already have Apex. So it's free. We also have all of our family's subscriptions to every other platform. Oh, buddy, stop. You guys suck.

Starting point is 01:17:14 And being told you resentful about his job situation. Why? And then you want to go back to school or fund one of your businesses. Which again, I don't think you can handle either of those. I do that on the side of a full-time job. But that's not like something. What's your resent though? When we were on our like interview thing, he had said that we didn't know that it was rented.

Starting point is 01:17:36 He hadn't asked his boss. He was saying that there was a down payment and like we would pay for a ban. And I was like out of all the things. Like I've designed my own card game. Like I've, we've done a lot that I would love to invest in that we've talked about investing in. And we're not. And then it's like, I'd love that you finally found something, but I mean, it's not like you've been attempting to have a business this whole time. And it's, I want to support you.

Starting point is 01:18:02 But I also want you to support other things too, not now when we don't have money. But like, you know, for the last three years you've watched me try to start businesses. And basically, like, that was just not an option of something you participated in, you know, or like wanted a part in or invested in with me or anything. So I want to support you no matter what. I want you to be successful because I need you to be successful so we can have a future. But also, yeah, it kind of sucks that I'm going to full support you in this. And of course, I'm going to. And it doesn't go the other way.

Starting point is 01:18:37 What if the resentment builds and builds and builds and blows up, though? Because that's a new reason. I mean, he's only just found this thing. Then we end up on financial audit. No, because that hasn't happened. Yeah, this resentment's barely started. If you want to start a thousand businesses, you have your card thing that you talked about,

Starting point is 01:18:54 you had a plant selling thing, a stained glass company. No, no, it wasn't. You're doing everything that everyone already does. Why can't you do something new in the marketplace that hasn't been done? It's a new card game every 30 seconds. It's like a journaling.

Starting point is 01:19:09 It's supposed to be to help with therapy. I actually designed it to get him to help, like to talk, for us to be able to talk. No, he hasn't played it. All the, We haven't played it at all since it was produced. Oh, actually. Maybe it's not a good business then.

Starting point is 01:19:26 A child, you're in debt child support. Yeah. What the fuck. Yeah, there was a good solid four years that I was fucking off and not doing shit. But I have started paying it down and back. Oh, what's the monthly requirement for this? I think the monthly requirement. That's what we agree with with his mom.

Starting point is 01:19:44 Yeah. No, well, no, no, the one of this credit. The one on his credit from the court. I think it's like a hundred and something. Brother. But I'd typically have been paying two. Well, let's just do the minimum. That doesn't make sense to do more.

Starting point is 01:20:01 He owes and back child support 12,891. You're a degenerate piece of shit. Yes. What the fuck is wrong with you? What's wrong with him? There was a brief period of time. Well, I wouldn't say brief. I'm not going to ask questions.

Starting point is 01:20:15 So say as much as you'd like to about it. I was just doing a lot of bad things with a lot of bad people. Okay. It's as deep as you'll go. Yeah. Well, you still spend $250 a month at the comedian store on cigarettes and energy drinks. Yeah. Yeah, maybe that should go to your back child support.

Starting point is 01:20:31 Your failure? Yeah. I have paid off a lot of it to my mother. Great. Well, I hear about this one on your credit. I talked to your mom yesterday. And she said that that's already been deducted from this total. Minutes the like thousand that, like, we've paid from the budget that I made.

Starting point is 01:20:53 Yeah, the lump sum payment that you've been telling me about that apparently is already out of that amount. Wait, what are we at $8,595? Is that that? No. That's part of the car. It's additional? The car? What car? So I had a car when I entered the relationship that was paid off.

Starting point is 01:21:15 he got teaboned by a driver who ran a red light in the car it was an insurance total why are you with this fucking guy dude no it wasn't his fault they were drawn still everything else is though but we tried to get it as close to like the insurance payout as possible we were about like two grand off so my parents let us loan it from them versus a bank with interest and stuff

Starting point is 01:21:35 to help us out good yeah so do you have a minimum for this 8,595 no they they said they would love progress on it and we they know we're here and like the goal is to come up with a plan that we can present to them. We've paid off. You spent a thousand on bullshit last month. Like it doesn't work.

Starting point is 01:21:57 Then that's where we're here. It's just, yeah. So two grain of it is bills. There's a line item somewhere. Bills. Good. Shit. Well, you spend $1,000 a month on bullshit.

Starting point is 01:22:09 The car bill is the $2. This is so stupid. It's so pointless. You didn't need to be in. situation. Not as, at least not as bad as you are now. Yeah.

Starting point is 01:22:18 And you should work two jobs. And yes, you should go back to fast food. If you need to get another job, you pathetic worm. Tax guy. $350? Mm-hmm.

Starting point is 01:22:26 I got a three. You didn't bring him up front? You home in the back? No, yeah. It's back. You have minimum with him? Or just lump sum? It's just $350.

Starting point is 01:22:36 Dude, why didn't you pay him? It was for $3. It's due now. You hired his services. Why didn't you pay him? Yeah, it's due now. It's not that I'm not. Why do you need a tax guy?

Starting point is 01:22:44 IW2? Because I have a lot of things that are written off from the contracting and stuff. What contracting? So like any marketing clients I pick up or anything like that. How much money did you make from that? Last year, probably maybe 10 grand. It wasn't bad. Okay, well, more of that.

Starting point is 01:23:07 Yeah, I'm working on that. I have all my own. And then you have a payday loan mason. Yes. I didn't know about that eight years ago or something collections?

Starting point is 01:23:18 I have no idea because from eight years ago wouldn't it be well you just said it we didn't see it no yeah I have he said it in the phone call yesterday I have never heard about it before you know

Starting point is 01:23:26 yeah didn't show up in his credit either your credit score is actually four yeah I didn't know that was possible I didn't either honestly what

Starting point is 01:23:40 that's insane you suck at everything involving life. Yes. I can agree to that. But not everything. I still think I'm a pretty decent player. Take that off again? No.

Starting point is 01:23:59 What? Take it off again? What? You just... No. Oh. Shit. Okay.

Starting point is 01:24:06 Yeah. Literally everything except apex. I don't... I'm not sure you're just going to... I was thinking about it. It's so much worse. It's time to finish your thinking. do it. So much worse. It is not.

Starting point is 01:24:17 We have done it before. It is worse. It is not. It is not. You guys are just used to that. That could be sure. It is not. It is actually four. That is an actual screenshot. His credit score is four. That's crazy. I've never seen that before. That is crazy. How did we even fix that? I didn't even know I had that. Yeah, I'm going to make you

Starting point is 01:24:39 call the parents in the Post Show and I want to hear their perspective here. This is fucking insane. Then here's the checking account. It's all bullshit spending. Who's Wells Fargo? Who's Wells Fargo? What the fuck is wrong with you? If you're the one crying to me All of our money comes out of my account to guard those stuff. If you're the one crying that you can't get foot on the table, crying

Starting point is 01:24:56 that you're blowing through the 12 because of life's necessities. Fuck you! Half price books, go fuck yourself. No, I sold those. So I... Don't give a fuck, you spent the money regardless. You're the one that chose to like the car. Shut the fuck up for a second. Netflix, Amazon,

Starting point is 01:25:12 door dashing subway. It was all. grocery she said earlier. I said we'd see $50 to door dash subway. Uh-huh. Home Depot, $27. Michael Stores. You have to do that $25.

Starting point is 01:25:27 Fuck you. Home Depot, Home Depot, door dashing. There was actually groceries, 50 bucks, paying extra for it, by the way, to do that. Ultra-human. Home Depot going there all the time. Door-dashing, double,

Starting point is 01:25:41 double, double place, $150. looks like a restaurant. Apple Cash 10, pink cherry nails. We're going to getting our nails did when we're training our emergency fund. That's actually a necessity. No?

Starting point is 01:25:55 No, yes. It is actually a necessity. Hey, go kill yourself in Minecraft. That you're, that's not. She can do a little. No, I can't. It'll turn my nails green. We did that.

Starting point is 01:26:05 Okay. You don't need nails then. You're unemployed. Shut the fuck up. This is not an emergency for survival. You know what emergency is our survival. It is a necessity. Listen, just, it's not what you're really, it's not what you're thinking.

Starting point is 01:26:17 When she doesn't have nails on, she will like, gouged her skin open. In my sleep, like, my skin's so fragile. Because of her skin being as fragile as an end. They stop edging! I can't! Yes, you can. No. No.

Starting point is 01:26:28 I can't. Oh my gosh. Dude, people with OCD get their behaviors under control with coping mechanisms. It's not. You are not the only person in the world that has that struggle. That's what the nails are is the coping mechanism so it doesn't tear her skin up. Could it be cheaper? Absolutely.

Starting point is 01:26:42 Yes. Wear gloves all. I don't know. You're not the only person that deals with the bad habits. It's not just, it's the skin. I know. Isn't it a bad to scratch it regardless? Yes.

Starting point is 01:26:55 So stop. I'm trying. It's hard. You need acrylic, but you don't need the fancy designs. That is true. So stop with the stupid spending. You're in emergency mode. Amazon, Amazon, DoorDash, DoorDash and Chick, fillet.

Starting point is 01:27:11 Oh, it was also grocery. You. Amazon, Amazon, Amazon, ring multi-plan. Maybe. We had a bunch of break-ins in our complex. Well, great. You're spending $1,800 for that, move.

Starting point is 01:27:27 Yeah. Door-dashing randles again, but you're paying a premium for it. Then doordashy Chick-fil-A! Amazon Prime Video, TikTok shop. Oh, and there's more nails getting dead. Pizza Hot TikTok Shop. Prime Video.

Starting point is 01:27:41 Uber-in. That was to the vet. for an emergency. It's all bullshit. Except for that. It's all bullshit. You, are you Chase? We're both Chase.

Starting point is 01:27:50 Yeah, we're both. $86 in here. That's probably mine then. We're getting like, I don't know what this change thing. It's highlighted, though. It's our savings. So he didn't actually know about it. The only way that I...

Starting point is 01:28:02 Brightcom. Oh, wait. Bringit.com. Bridget. That was like a short-term loan, but we don't use that anymore. Oh, I hope not, because that just happened. And we're overdrafting multiple times this year so far. No shock.

Starting point is 01:28:19 I don't know why we would have money going into savings if we're overdrafting. Stupid. And is this the savings? No, but this checking account ended with negative $4.74. But we went to Jessica Hollis Park, and we went to McDonald's, an Academy Outdoor Sports, $100 when we're literally negative in the checking account. Orering ink, or a ring? Ordering?

Starting point is 01:28:41 No. Cancel the fucking membership. I have to have one. No, I don't have to have one. It was recommended by my doctor, and we tracked my flares through it. He wanted one. And so he got it.

Starting point is 01:28:51 Cancel that one, you f***. It's not even active. He just wears it. Good. Then what's the point? Etsy. That's not necessary. Bullshit, bullshit.

Starting point is 01:29:00 Chick-fil-A. That's not necessary. That's not Docker recommended. Stopping inside getting any bullshit. Apple. Shell. Yeah, you're starting to get some bullshit. Etsy.

Starting point is 01:29:10 Audible. Open AI, chat, GPT. Parchment University Docs. It might be, but no one's in school. That was for me looking into going back to school. Just looking into it? I needed my... Goodwill.

Starting point is 01:29:23 Stopping in, getting some bullshit. Your energy drink bullshit. Stop. Gamer subs. 40 cents a serving with my discount code. That one's free. Get your free samples. Figure out what flavor you like with code Caleb.

Starting point is 01:29:34 Then get that. Gamer subs for free. Well, for 40 cents to saving. Instead of stopping in and getting a bullshit like he did. for $3.89. $3.89. And Starbucks. Bullshit.

Starting point is 01:29:48 Bullshit. Bullshit. Apple cash. A piece of shit. $14 in this. What's savings at? I don't see savings. So it's in a...

Starting point is 01:29:57 What's retirement? Where's savings? I don't see shit. We don't have savings left over, like, after we've lost our jobs, like, in our actual accounts, but this is... What do you have? Just tell me a number. I'm looking at it.

Starting point is 01:30:08 I'll get you both course career certifications, so you can definitely get on a better career pass. what his is at because I just set it up on his phone and I haven't looked at it, but mine's at 330. In retirement? I have one 401K that was active for three months and I haven't gotten it from... You guys are so far. Yeah.

Starting point is 01:30:31 $544.669 is your minimum. There's no car payment, correct? No. Okay. Your rent's $1,800? All utilities plus internet? Combined? How much?

Starting point is 01:30:43 Maybe $380? Gas, boom, boom, drive, drive. Well, with his new job, probably about 200. For both? We only have one car. Car insurance, how much? 130. Car bill?

Starting point is 01:30:57 Phone bill? We don't pay, no, that's on our parents. Six, should be able to do actually 500 groceries. You've got to cut it tight. Co-pays monthly basis, anything? $120 for him. You? 60 for me.

Starting point is 01:31:13 And the rest of my parents are helping me cover for the Flares. Subscriptions, try 20. You got to cut it to basically one. You have pets? Yeah, you have cats. How much? How many? We have three.

Starting point is 01:31:24 Three? No, it gets worse. We have four snakes, three cats, and a fish tank. Okay. $150 for the cats for pet insurance, because you can't afford an emergency. We have $90. $90 for pet insurance for all three of them. Yes.

Starting point is 01:31:35 It covers all three of them. 90. How much for cat food or pet food across the board? $74 every two months. And, oh, all across the board, then it would be. $50 for the snakes each month. Is it on top of that? On top of the 74 every two?

Starting point is 01:31:52 Yes. Okay, I'll just call it 75. I'll call it like 85. Okay. No, it's calling 90. So, anything else that needs to be in this budget that I have not done?

Starting point is 01:32:08 Like gym? No, we have a gym through our complex. I'm pulling up my budget. Hold on. Okay, we have Okay, well right now, obviously you make $2,500 a month, which is nothing. Oh, his health insurance, and my health insurance, not the copays. His health insurance is $95 a month.

Starting point is 01:32:37 Mine is $130. My dental is 12. His got canceled. Okay, so your budget is likely going to be around $4,200 a month then. That's, yeah. With insurance, do you. unemployment. I mean, you technically don't only break even. Stop shaking your leg.

Starting point is 01:32:56 You have an extra couple hundred bucks, 300, but that's done in two weeks. So food stamps will help cover the food bill, but that's not going to be enough to actually your rents way too expensive. Just hopefully if you're actually disabled, which again, I'm just not even going to comment on. If you are, hopefully they approve you because that's what it's for, and you make enough to make break even, but

Starting point is 01:33:17 you guys doesn't need to focus on breaking even then you can go through bankruptcy or something. I don't know. Because right now, it's just like once the unemployment's done and if you don't get on disability, you guys will just be negative completely. And it's not really a thing. So the advice is, the reality is you need to go get a second job.

Starting point is 01:33:35 You're working at 80 hours a week and minimum because bills have to be paid. And you're doing DoorDash as much as you can. Yep. I'm working on it. And that's it. And you might just want to declare bankruptcy. You might be able to pay up to,

Starting point is 01:33:48 you need to stop spending on the credit cards, but if you guys don't double your income, which is pretty much the only path, which means you double working or getting better at sales or you doing something you can do, but I'm just not going to comment on it because I don't know, makes it impossible.

Starting point is 01:34:02 There's just nothing. So meal prepping, meal planning. Yeah, we're on a tight budget as quick as possible, but you need to go work two jobs. You need to work as much as you can. In between flares, are you? I don't know. But I can't comment on it.

Starting point is 01:34:18 So that's it. That's it. Sorry. And bankruptcy might be a good thing, but only if you change your behavior for a few months and prove it, or else you'll end up back in the situation in a few months. It won't knock off my parents either, huh? Nope, but that one doesn't have a minimum fee payment.

Starting point is 01:34:35 Your minimum payment is why you can't survive right now. Okay. All right. Listen, we're going to call the parents to get their perspective in the post show, but let's get the same time for us. We'll get you all the resources again to try to help with all this, but listen, right now is you just need to go work. that's it you got nothing for you just well i can't even comment so not informed enough

Starting point is 01:34:56 spending in a budget you overspent zero out of ten debt family debt collections and shit okay zero out of ten emergency fund nothing anymore zero out of ten retirement definitely nothing zero out of ten hammer financial score zero out of ten as you predicted get yours at caleb hamper dot com now click that join button join the best membership on youtube three premium shows posted every single day six days a week called hammer elite where you get to watch an extra 20 minutes in this episode where we're going to call the parents, get their perspective called The Financial Auto Post Show.

Starting point is 01:35:25 See you there. Call the parents. Going through? They don't know what, any of this. They're struggling, right? They're struggling. You have to help, right? No.

Starting point is 01:35:33 So. I heard mom say no in the background. Have you ever fucked up in your life? With my choice in men. That's crazy. That's actually a crazy fucking answer. Are you really at your breaking point where you might leave this relationship?

Starting point is 01:35:48 I just launched the Blanked. brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. But I'll only have a thousand available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join in, and that's a promise.

Financial Audit - The Biggest Losers Ever On Financial Audit

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