Financial Audit - The CRAZIEST Reveal In Financial Audit History

Episode Date: March 2, 2026

💰 *Download Dollarwise 6.0 Is Now LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP THESE MESSAGES BETWEEN THEM ARE *INSANNEEEEE* - I go through all of their texts, and it's a complete mess. No way they are staying together... watch here: ➡️ https://bit.ly/chpostshow ============================= 🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS ============================= 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

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when she started talking to another man. It was an old friend from high school. You didn't make it sound like, a friend. He can check my phone because I know he has his doubts. But it did happen a couple years ago. It's the same guy. She sent him in 2023. She told me she's only talked to him in Discord, but that's just the voice. She still talks to him on Snapchat. Okay. And all of the messages are where you can see them. Because I made it that way. Oh. Dollar Wise is finally here. sending waves through the personal finance world.

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Go to Dallowise.com or click the link below. My name's Luna. I'm 23. I'm Alphonse. I'm 29 from Tulsa, Oklahoma. And this is Financial Audit. Thanks for coming down to Austin, guys. What do we do in Tulsa, Oklahoma for a living? Let's start with you, Luna. I work in a fast food restaurant. Okay. You do have fast food restaurant vibes in you. Like, I don't know how to explain. that, but it's like if I pull up to the McDonald's, you'd be the one white

out of all the Mexicans? Not quite McDonald's. Okay, you don't want to say which one. And that's okay, right? I'm assuming. Drive-through-based. Drive-thru-based. Okay. Solely drive-thru stalls. Uh-huh. Gotcha. Okay. What do you do? What's your position

there? I'm a chef manager. Okay, so maybe making some money. Hopefully that's a little more money. Oh, I see. We got a cute couple shirt. I didn't notice this. we're in. Yeah, hopefully we're in love then. That'd be good.

I don't want people on who aren't in love. So what do you make in this position? Right now I make 1525, but... Well, Tulsa, it's not one of the more expensive cities. So 1525 certainly stretches further than like 1525 in Austin or Dallas or Atlanta. So, okay, 1525, how many hours a week are you get in? 35 to 40. Why is it 35 to 40?

Why is it not 40? You're the schedule manager. Schedule yourself for 40. So I have a manager above. of me that does a schedule and we're not supposed to have overtime technically. So she tries to schedule. She schedules 40 hours, but we have to take breaks. So if I don't take all of my breaks, I get closer to 40.

If I take all my breaks, I get closer to 35. Okay, so it hits your account per pay cycle. I get paid every week. And what's that hit? It hits on Friday. 440. 440. 440 a week.

Okay, thank you. 430 a week. 430 a week is actually kind of brutal 10. So if did you divide it by 12? I'm going to say that's $1,863 a month, net, average. Yeah. Some months are longer, more weeks, some are shorter. Her health insurance is over expensive compared to other places.

She's getting screwed with health insurance. Are you guys not married? Not yet, no. Are you getting married? How long have you guys been together? I would together five years. I proposed officially last year. We're engaged.

Yes. Congratulations. When are you guys getting married? We don't know yet. We've got to figure out finances first. Well, I would say so, because $1,863 ain't going to make you very far. So Mr. Alphonse, you better be making a shit ton. Please tell me, what do you do?

I'm a line cook part-time. You also look like that. You guys look like your jobs. Yeah. I don't know how this is possible, but you look at your job. Well, that's good. What kind of line cook? I look.

If you love cooking, what kind of cooking are doing? Burgers. Okay. Is it like an apple bees? Yeah, type. Yeah, it's Chili's. Hi, welcome to Chili's. Oh, well, same thing.

They're the same exact thing. Yeah. Hey, if you love cooking, I do. It's not the place that would be, because isn't it a lot of it, like, frozen? But that's okay. I respect to chef. Yeah, chef Mike has used a lot. He's our best chef.

If we need more time away from each other and doing work, we do DoorDash. If you need more time away from each other, yeah. So we need more time away from each other than people that are engaged. Maybe that's why we never got to cool down. Are you guys, fighting a lot? It depends on the week, but yeah, there's some things that she yells at me about and I yell at her about and yell. Yeah. That's not necessarily the greatest. It's not too bad,

but it's not great. It's not too bad, but it's not too great. That meant absolutely nothing. So our finances is what's putting the strain on it the most. Well, I would say so. That's why you're here before you have to say that yourself. What do you make in this position? I make $15 an hour, and I work three days a week because I, I'm I am disabled. I have broken knee. I have a chunk of my knee kept missing. Why are you working a standing up job?

Because it's the only thing I can get. I used to work as a forklift technician, and I lost that job because I needed knee surgery. But you already had it, right? Yeah, I had it last year. Get a forklift job again. I actually went there yesterday or today. Well, same place, but Tulsa's not a microdick town.

I'm sure there's other places with forklifts. Yeah, the place I used to work at is one of the biggest forklift dealers in the United States, even the world. They offered me the best benefits and the best dollars per hour. For Tulsa. Well, three days a week, how many hours are you working, though? What's your pay? By about $300 every two weeks. That's why there's Dordash.

That's why there's Dordash. They just do Dordash, dude. all the time. It would be great if... $300 every week. It'd be great if people would order more. Was it $300 every week or every other? Every other week.

Oh, fuck dick. Okay, so it's $600. What are we even doing? That's not even money. It's not money, but it's what I can do. It is what you can do, but you can also do customer service sitting down. It's better than when he was in his recovery and not working.

Oh, yeah, I was unemployed for six months after the surgery. Were you on any kind of disability? Nope. Why? They denied me because I can quote quote work. Even though you're recovering from your surgery? Yeah. Because, yeah, Social Security does not want to pay out.

Okay, well, they pay out a lot to a lot of people. So I don't know how you f***ed that up, I'll be honest. But either way, you're like the first person in the history of financial audit that ever get denied for any kind of benefit to have for your entire life. I went to the VA yesterday and they also denied me. VA? Yeah. You were in the military? I was.

What did you do? I was a helicopter mechanic. Okay. That's kind of cool. It was cool, up until I was discharged. Why were you discharged? Medical reasons. What medical reasons?

Brankitis. And because Obama was making cuts in the military, they used that to discharge me. Cuts in the military? Have we ever had cuts in the military? What are you talking about? Obama made the most cuts in the military, and they were actually starting to... Are you sure budget cuts or they were just relocating more money? I'm pretty sure we only ever increased military costs in this country.

I mean, I need a pack check myself, but that is... Pretty much what we do. Yeah, no. Don't ask me. I don't know. When Obama's office, it was about $800 million for the military budget. And then when Trump took office, it tripled to like $3 trillion for military budget. What are you talking about?

I don't have a $3 trillion military budget. Pretty sure we do. I'm pretty sure it's like $800 billion. And like for the first time ever, he proposed a trillion dollar one. Sometimes, yeah. It's litism. If I'm wrong, I'm wrong. Also, the bronchitis.

Was that due to the military? Yeah. So when I was in Virginia for training, I ended up getting pneumonia. And I pushed through it and it transformed into bronchitis. Okay. And the VA, well, what did you try to claim disability on with the VA the other day? This is the first time of the history. Yeah, I went there to use my GI Bill because I'm going to.

school for sub-security. Well, thank goodness. You do have to do something. I'll get you a course career certification inside of security. I'll do that. I'm going to online college half-time to get my sub-security degree.

Half-time. Why are you half-time? You're working nothing. Why are you doing? So, between DoorDash, Chili's. And... I would just stop the Chili's things. Do school...

They're paying for my college. Really? When you're like five hours a week? Tuition assistance, yeah. You have to work there for a minimum of 10 hours a week to qualify for their tuition assistance. Not bad. Go work for Chili's guys.

Yeah, no kidding. So when they told me that, I was like, hell yeah, because my brother is in cybersecurity. He was in Air Force for seven years. He makes $115,000 a year working for Microsoft. That's what we need is incredible. Yeah. So he told me, it's like, dude, if you can't work because you're a need,

going to cybersecurity. So I was like, hell yeah. Hell yeah. Hell yeah, brother. So when a Chili's told me they do a tuition reimbursement, I decided to do that. And it's about for tuition, like $1,200, $1,200 per semester.

Well, the reason you guys get in each other's throats, though, is because you're not paying rent. No. How do you not pay rent? Don't you want a roof over your head? I think you want a roof over yet. Oh, yeah. You can't just not pay rent.

I don't choose not to pay rent. Well, kind of, maybe. What's your rent? $800. Then you choose not to pay rent because you guys bring in $2,500 before a door dash. So you're choosing not to pay rent. I don't care what it feels like.

That's the number. You're choosing not to pay rent. Fuck you. What are you talking about? Asshole. You are choosing not to pay rent. We have been able to pay rent up until this month. But why?

That doesn't make any sense. It doesn't make any sense. He had to get his car registered. But you've gotten VA support. You got your rent paid for three months. For the first three months. Oh, for the third. Okay.

Well, there you go. So you have gotten support. It's not like you're just on the fucking hook. Like, we're just leaving you to dry and die. No. What it's worth. And now you can't pay rent even though, I mean, listen, 800 for your guys' income, it's not absolutely great.

Percentage-wise, but you could pay rent. So between our car payments, our car insurance, and with all the utilities. And you can't afford it specifically. And, oh, we eat out a lot. Well, $1,000 actually last month. You can't pay $800 rent. Fuck you.

You think you need, listen, maybe you are entitled to certain benefits, but let's just get away from the entitlement for a second. You don't need that to pay your rent. You're not entitled to that for your rent. You don't need that. You're spending $1,000 going out to eat and then not paying $800 rent. You're choosing not to pay rent.

You should get evicted. Honestly, I don't want anyone to get evicted. I don't want people to be on the street. But maybe you should be because you're spending $1,000 going out to eat when you're not paying rent instead. The reason we eat out to eat is because we don't have an oven that works. And why do we not have an oven to work? You know Chef Mike works real well.

You use it all day at work. Come on. You're not going to do it at home. Yes, you can. Absolutely. Absolutely. Our stov top works. Just not the oven.

Stovtop works. What the fuck are we doing? You don't just have to use oven. And by the way, if you're cooking like really good fresh food anyway, stove top typically does it unless you're getting like, what are you doing? What are you doing? Uh, induction stove. Huh?

The induction stove. It's all electric. Oh, like what the f f*** is that? What are we crying about? We love a good flame. Yeah, I would love a flame. But you don't. I don't.

Nope. Cook it on the stove top. Boil your eggs on the stove top. Cook your steak on the stove top. Between working. But do you know how long? How much groceries are? Yes.

They're expensive. They're not as expensive as going out to eat. We're about the same. No, they're not. Not even close. We do the math. We check it once a quarter. Fuck you.

You can do 300 a person with meal prepping that is $600 a month that you guys could spend. You're doing $1,000 going out to eat. And then you get groceries on top of that. So go fuck yourself. I don't even think you guys did grocery shop. I don't even have grocery shopping. No, we don't. rush or shopping.

Then you can't tell me, it's an expansion, right? It's the same amount. You don't know what the you're talking about. And you haven't had an oven since you guys have moved in,

which means you're not even working to even try to get an oven. Him and Facebook Marketplace. That's where we got our oven. Yeah, we got it for free off of Facebook because the motherboard doesn't work. He just eat out every f***ing meal. That's actually crazy.

You're literally crying about not being able to pay rent. Oh, victim me. But then you eat out every single meal. F*** you. Your priorities are whacked. That is on you. And then,

breaks down into arguments? What are the arguments? Go ahead. Take me through one. What goes on in this household? How are finances communicated? What gets to this big fight that you guys have to cool off? Usually he forgets about one of his bills and then he cries about it as soon as he finds out. Well, he seems to cry about everything that he's irresponsible about. I focus on all of the main bills. I, with my paychecks, I pay the rent utility gas electric. You do not, in fact, actually, I would suggest, but continue. All of the main bills is focused on I pay all of that with my paychecks. Incorrect.

Well, first of all, that's impossible. If you make $600, you can't pay an $800. That's just, that's just, what the fuck are we talking about? I'm making another almost $800,000 a month doing DoorDash. Okay, with the contractor taxes you need to set aside, by the way,

and then gas and maintenance that are not included in that income. I include gas, but not the maintenance. Okay, well, maintenance you probably should, because you are putting wear and tear on your vehicle, not just tires. Mr. Late to get his oil change by like a third. thousand miles. Because we can't afford it right now.

Okay. Every time you say that, I will ring up that you spent $1,000 going out to eat. That is a lie in oil change. Well, it's an oil change go for. I haven't had one of those in a second. If I do the oil change myself between the oil filter, the six quarts of oil. If it's just yourself, then what the fuck are you not doing it? You're a handy man.

Do it. I don't have. So when I do it myself, I go to my buddy's house because he's got the ramps to do it. but since we moved, he lives an hour and a half away. My, you just told Colton this morning when you guys got here, you haven't even paid a single month that was due, a single bill that was due last month. Utilities, rent, cards, everything.

All while you're going out to eat, this is disgusting. This is disgusting. Unknown spending, an additional unknown spending. We don't know exactly what it is because it's at a place that's hard to tell if it's bullshit or not. And now that you guys said you don't get groceries, I know it's bullshit. That's an extra $700 of bullshit. And plus other large purchases, $600.

You spent minimum on bullshit $2,200. $2,200 in one month where you're choosing not to pay utilities, rent, credit cards. You. You're irresponsible. You say you work so you take care of the bills. You didn't take care of the bills last month. We're in this month and you didn't even take care of last month. What are you talking about big man who shows up to pay the bills?

No, you're not. Let's see. This month, though, we haven't paid yet. Everything this month is going. Why? I have your spending. You guys are a joke. What's your thoughts on this?

What's going on here, woman? I'm just wondering where the money is going, other than food. Why don't you know? Why don't you sit down and look? Why don't you guys communicate? Take the bills. Put them on the table. Look.

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Also, Restrictions apply. Buck them into dollar-wise. Look. I could ask him and he'll try and... Is that what happens? Is that what gets into the fight? Yeah, so when we bring up finances, we argue about where the money's going.

I tell her where my paycheck's going. She tells me where her bag is going, and we disagree. But I have never been late on any of my personal bills because I know where my money is going. So it's just you skirting around where the money is going? It's you lying because she just said she knows where her money is going. Yeah, because it's going to fast food just as much as mine is. What is the fight? I'm confused on the argument.

I usually use my cash tips for our food. That's bullshit because if you look at your bank and count, Amazon. Amazon? Amazon. Steam games? What I meant Amazon? You get more stuff off of Amazon than I do.

No, we would buy the same on Amazon. Last time I bought something, it was gamer subs. So. The last time you bought, you've bought something for people other than yourself on your Amazon when we're struggling with bills. That was one thing in it was Christmas. It was more than just Christmas. When you have two friends that you bring up from your past, you buy them things just as much as you buy self things.

And when it comes to after you pay your bills, which is a lot of loans, once you pay those off, your money will go to food or your heritage. I haven't bought hair dye or it would go to fast food just as much as mine it goes fast food like you're just as a gilt tooth fast food as I am. I'm not saying I'm not.

What are you saying? What gets to the fight? I'm confused. Where the money because even though his bank account used to be our shared account but I took my card

that I used for that account and opened my own account because my bike. What's the right? I'm sorry. still confused. You say you guys blow up fight and have to spend time away from each other. You are not able to define what is going on this relationship

very well at all. Because last time we had a big fight was a couple weeks ago when she started talking to another man. And that's and that's one of the recent fights we had.

Another fight we had. No, no, no. Hold on. No, you are not going to brush past that. What the it wasn't? What the actual it was an old friend. I would fight. I went from high school. I told him... You didn't make it sound like a friend. I have told him

all conversation will be in Discord so that he can see it. I have told him he can check my phone because I know he has his doubts about whether something's going to happen or not. I've told him it won't.

Told him it won't. It's weird that we're even having this conversation. It's like, nothing's going to happen. But it did happen a couple years ago. It's the same guy. She told me she has only talked to him in Discord, but that's just a voice. She still talks to him on Snapchat. Okay.

And all of the messages are where you can see them. Because I made it that way. Oh. What the... Yeah, in no way whatsoever would any guy or gal want this person in the picture of the relationship. Wait, you guys have been together five years? Yep, since 2020. She f***ed them two years ago?

She sent him nudes in 2023 So the reason She has her own bank account Is because we separated For a few months After that And so we ended up having

Our own separate finances I don't think it was the The finances That needed to separate after that Well, because we We separated A couple months Like we want to

What the fuck is wrong Why'd you do this? I loki don't even remember No That is the bullshit Two years ago, sending dude your f-fitting tits and puss and whole, and you don't remember. You're just telling me you can't remember. Whole deflection and refusal to take accountability.

Bullshit! How do you not remember? This is one of the defining moments of the relationship. And now you're talking to this dude again? And you're telling me you don't remember what happened yesterday. Oh, shut the fuck up. That is some of the dumbest bullshit excuses that anyone could ever say. What the fuck is wrong with you?

Why did you do this? And why are you talking to him again? And lady, why? What the f- I blow the fuck up too. You suck with money, so you download a budgeting app. You start with the classic one, Wynab, but everyone just deletes it because it's way too complicated to use. So you go to every dollar.

That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rock of money, they got a lot of commercial. but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far.

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I try to set boundaries with him. I told her that she can talk to him as long as what? She told me she wants me to trust her and so. Oh, so. Yeah. Hold on. By the way, I have absolutely zero confidence based on what she is using for these excuses right now. Oh, she's pissed. I can see it. She didn't know this was going to come up. Did she? I can see it on her face. No, she did not. Oh, she's cooking. Okay.

Rip, I mean, hey, maybe don't like cheat. I mean, be an open school. That's fun. We'll have a good open here and there, except you weren't. It's the thing. I have zero confidence in the world right now. Zero confidence in the world with her. I can't remember what happened yesterday that he did not stick it in her.

So there was physically impossible because he is currently in the Navy and the station. But how long was it happening? That, I don't know. All I know is when I found out and when I found out the messages, it was after the fact. I was in dive school. Oh, it's because you went through her phone. Yes.

Oh. I found out going through her phone. You had a suspicion? I did. So the whole thing was... Why you're a cheater? I would like to tell the story. When I read through the messages,

it happened while I was in dive school. She was lonely because I was focusing on dive school and wanted something else, wanted the attention. So she got the attention from two different guys and sent them both. the nudes to something, and to get something,

because she offered, too. They didn't ask, she offered. Are they even good? To me, they are. Okay. And apparently to them, they are because they saved it in Snapchat. That's how I found out,

because they saved it in the messages. Have you gone through and deleted those? It's saved on their end. I can't, she can't, on her, she can't delete them because they haven't saved. So I can, it's still saved to this day.

And I told her, I asked her why she opened that door because she asked me why don't not trust her? And I said, because it happened with him. Is that your phone? Yeah. Unlock your phone.

She talks to him on Snapchat and all they do is send pictures. And I have a set to where the picture is saving the chat. And it's just pictures. There's no text. So. And you're okay with this. I told her that I don't want her texting him on Snapchat. Oh, dude. He's a fuck boy, dude.

He's a boy. And you're allowing that. this. Look at this. He sent a blur the name. Blur the name, please chat. He sent a, okay, I'm sexy. Kind of want to type of a picture. And she sent a sexy, I want to fuck a picture. Dude, you're getting cucked right now. Okay, why are you sending this to him? Huh? Why is this being sent? You can go look at all my other friends. I send the same pictures. No, is you guys sending back and forth. This is not weird. That is weird. I asked her why she does it. She says she doesn't know. What the, but they sent news. They sent news.

back to each other. Sorry. They sent news back to each other. She's just sending devil-horned photos of their faces back and forth. Yeah, she thinks it's funny. Funny? She thinks that's funny. Oh, that is such a cop-out.

That is such a cop-out to I get wet every time this happens. Don't fuck with me. Come on. You tell me you don't get any, you don't want anything from him. No. Bullshit. Maybe back then, yes. But as of right now, no.

I don't believe you at all. You guys are just sending back and forth. That's all they do. But she does that, she doesn't, the other friends, the other friends don't do the same thing as, so she talks to two people.

Her friend cast that she used to fuck in high school. He's sending shirtless photos. That's from two years ago. Look at the date. It doesn't matter. He's sending shirtless photos two years ago. You know what was happening two years ago? You guys were dating.

Yeah, that's most of the voice that should have seen. And no offense, but I mean, you're kind of fast. I am, but me too. And she's texting this military hunk, you know, and she's sending like, you know, this. Yep. And stuff. That's why we had the biggest fight because I don't trust her.

It's all men, men, man, man, man. She's sending, no, this doesn't happen. This does not happen with normal people. There's no women friends in there. There is. No, no, no. Dude, you stop yourself right now for a second. There's three.

There's three women. There's there's there's there's who's a man. There's there's there's finally is a woman then there's are you daddy I am daddy What the fuck is this a loud? Is that a loud is I know for a fact a woman that is her best friend Which ones have received nudes in there? It was it was believe who oh who who who this guy? No. The guy that you...

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See homebiboy.com slash price match for details. So we already went through it, so you're still sending stuff to him. Who else got nudes? He had a year ago. Okay. So three years ago?

So this happened before the two years ago, too. Well, you guys have been together for five. It was the same guys at the same time. Okay. And this guy, she sent, okay, so she sent him nudes. Yes. She sent him nudes, yet she is still slacking. Slacking.

Screenshoting. I'm not screen recording. Snap. Huh? Snap. chatting? Is that the word you're looking for? Yeah, she snapped him. She's still snapping him now. Yep. Who else in here?

Those are the only two. Those are the two. Yep. Well, good news. They're not in chat anymore. Did you force him to delete them? That is a girl, girl, girl, girl, girl. And then the rest are dudes and two of them you sent nudes to. Girl and girl. Yeah, but two of them you sent nude. to do you not get that? Do you not get that? Guys, chat, am I the only one here? I had...

You're like almost... You're actually okay with this somehow. I am not okay with it. Then why do you allow this? I had cut them out. The way you talk to these guys is crazy. I had come to him and I said,

these people are my friends if I don't send messages to them and talk to them in discord only. Are they your friends? You sent nudes to them. Are they your friends? You sent nudes to them. Nudes to them.

Nudes. All these men. All these men. When we had the fight, I told her the only way I would trust her is if I can see everything. And this is why I sat in the chat to every picture they send back and forth. Get sent into that chat for me to look. Draw the fucking line, man. She's trying to be talking to people.

And I told her like any texts that needs to be on Discord or text. But yet she still sends text to him in the Snapchat. Why did you send nudes to them two years? ago, two people at the same time. And I have zero confidence she did not take any other dick. So, sorry, spam call. I can show you exactly what the

link is. The link? Not going to click on it, but... OF? It's a fan view. It's what started before O-F. A downgraded O-F. You had O-F? Used to. This is a used-to?

Oh, I said... Don't. Yeah. I get it. Okay. Okay. I see, I thought you were clicking a link for him to pay. So what is this? Do you do this anymore? No. Is it deleted? Yes, I deleted it. It's not deleted. I swear I deleted it until you count. Last month, I opened, I went to the website to see if you're still uploading it. And it's, you haven't been uploading, but it's still there.

I thought I deleted it. I mean, you haven't been uploading, so I didn't bring it up, but it's not deleted. I don't even remember the login if it's still active. That's saved. is saved. It is saved in the browser, yeah. That's how I was able to log into it. That's news to me. Why the fuck is it still in chat? It's saved on his end. I can't. Why would you not request it deleted? If he's going to be able to chat with him, why not request to delete it? Because I'll do it. I forgot about it until he brought this conversation up.

When she started talking to him again. When I started talking to him again? You brought it up to him? So the way I found out she's still talking to him is I came home work and she was on a discord call with him. Yeah. Ah! How does that not make you just walk the fuck out? There was also a camera sitting right behind my shoulder in the corner of the room that he has access to so he could hear the conversation.

No, that's such a get-up. That's, oh my, I don't know. I don't know. Colton, if your husband did this, fiancé, no, not a chance, right? Not a fucking chance. So I told her that I asked her, why is she even opened that door again? Okay. Okay. I mean, this shit's crazy.

It is crazy. This shit's crazy. I mean, I'm sorry, that shit's crazy. You sent him tits and vagina. You sent him tits and vagina. Vagina. It's not even just tits. Pussy.

Pussy. We had a whole bite in... You would think so. And then this is happening again now? How can you trust each other? I'm sorry, to bring it back to finances. How can you trust each other? each other finances. If she's talking to a guy that she sent pussy pics to, who, by the way,

again, and she didn't even say, no, I didn't. When I brought up the two people, I have zero confidence she did not stick it in once. Those people, she's never... I haven't. Okay, ants, this is, because it'll come out at some point in a relationship. This is the time now. This is the time I know you want to lie. I know you want to lie. I'm telling you have beautiful blue eyes. I'm saying this is a compliment right now so that you could, I don't know. trust me for a second in the five years have you never once touched

another man's penis do not lie I don't believe that for a second I really do not I am telling you I have not how many more people have you sent pictures to it was just those two

but why would you pussy too I don't get he was away at dive school and so that's an excuse that makes it valid I'm saying it doesn't

make it valid I'm saying that like I don't know why, but that's how it played out. You don't know why. You don't know why? What do you mean? Two guys at the same time.

Two guys at the same time. Hold on, hold on. Open it again. Oh, okay. It's still here. I was like, did you turn it off? Yeah, well, he's sending shirtless photos. And then you said nice. He said thanks. And then you sent, oh, then you just sent the link out of the blue.

Would you support me? What is it? Look at it. Google's being done. Well, let me sign it. Okay, I'll send you a screenshot of it. Okay. Damn, okay. You good.

I'm just a work right now. I'll check it out later. Then the other guy, where's the other guy? Who is it? This is crazy. Do you even send him nudes? Oh, yeah. All the time.

I get the better ones. You do get the better ones. Okay. I don't think this person has to save it anymore, does he? I don't think he does. But I found out, but it was in there when I... when I looked. Also, did you lose a lot of weight?

I've been between 1.10 and 1.30 my entire life. Huh. I think it's because she got taller. She was, I don't know. What were you dating her at 12? Like, no. She just got taller? I got like a couple inches taller.

Have you ever been with anyone else? During the relationship? No. I have not. but he has talked about an open relationship well that's okay talking and proposing is different than doing something without the consent of the other person there's nothing wrong with open relationships it's done properly and healthily i didn't bring up open but i brought up uh bringing another person in if she was interested

that is that is bringing up yeah you cannot equate bringing up to sending pussy to two individual men vaginal holes holes of the vagina tuckle lips and it was hairy and they were there there and they saw them. They did. What the fuck? How can there be any trust in this relationship? We. Yeah, I guess are you surprised?

I guess you guys met via D&D party where she was already dating someone else in the group. Yeah. Oh, and she left the guy and f***ed you before they even broke up. No, while they were together, she fucked you. Yeah. And you're surprised that she's potentially a cheater. She was fucking you while dating the other guy. So the only reason...

Oh, my goodness. She, when we... She told... She didn't say that she broke up with him until after. Wait, what the... Oh, you can... This cannot be... This episode is the fucking scene.

Oh, my goodness. Yeah, I wouldn't combine accounts. I wouldn't be anywhere near... You might be a pleasant person in a lot of way, but you're a cheater. I'm not going to deny it, but I have changed. Okay, but you've done it consistently because a co-we... of his, gave him a warning and said that you were cheating on him and slept with her co-worker's boyfriend, his co-worker's boyfriend.

And I can tell you exactly what happened with that situation. That was mad that I was doing better at my job and that our manager preferred me over her. You make 15 an hour at a fast food flight job. It was a different job. It was the job. Coffee shop. I don't think she was that jealous enough to try to destroy a relationship. She was.

I verified it. Because she moved down there specifically for the manager position. And I was doing better at it than her. And who do you believe? I believe her because I had a friend. Which her? Really. My girlfriend.

Yes. Because I've-cooked in a relationship told you that the person who is a serial cheater from her ex and to you. So the reason why I believe her is because I had a friend do a basically he was a PI. I had him be a PI and verified everything. PI, what, that she didn't go over again?

That doesn't mean it didn't happen. P.I. can't do past. Other than if there's an entire archive online of them tweeting about, yeah, I took this dude's dick. Dude, I'm sorry. So I was sent a video. You don't want it to be real. I sent, I was sent a video.

The chick that was trying to break up a relationship, sent me a video of her boyfriend for another girl. And, yeah, she sent me a video. Hold on that was another girl. Sounds like he's a cheater too, by the way. Yeah, no, he was. He actually gave her the clap. Because he was like two different women.

And I even, because that late that girl. That doesn't mean they didn't. If she's a cheater and he's a cheater, I feel like they likely cheat with each other. If he had the clap and they, she would have given me the clap. No, no, not necessarily one, not a guarantee of spread, two, condoms, three. I was just saying she never wears condoms when she cheats. We've never used condoms.

When she cheats and three, maybe didn't have the clap yet. That doesn't mean you have it your whole life. At the time, so when all of that happened, I know that she didn't, the video I was sent wasn't her because the check was too big. You wouldn't admit on a show that's being watched by a million people. people that you've ever taken a penis. So I don't blame you. But I've seen a lot of things on this show. And look at your history. I don't believe. Maybe you haven't in the last year, but you can't say three years ago you never have. Not once. Come on, it's in the past. I seriously have not gone and anybody else. You've sucked the dick? No. You've given a hand job.

No. You've kissed someone. No. I don't believe you, but that's okay. I have nothing more. pictures that from those instances. So the only ones that he caught are the only ones that happened? They are. It's interesting that that's convenient. I will say the reason why I believe her, because those are the only two guys she's had a connection with. Lies, that's impossible.

She's literally Snapchatting like 10 men right there I just saw. All of those guys are co-workers. But also even stuff. Do you think coworkers in fast food and restaurants do not, that is what they're known for. Yeah, no, they do. That is literally what they do to get through. shifts in math.

That is it. Especially in Tulsa. Dude, I think you are blissfully ignorant. I'm just going to let you know. And I think it's because has he struggled with women? You can say that, but... You're out of his league. I think he's kind of struggled with women.

I think he doesn't want to lose you. He's his fiance. I don't want to lose her. But the fact that I believe her doesn't have anything to do with her. I mean, it does, but I don't have a reason to believe that she did. Statistically, people are most like... to cheat on, well, with coworkers. That is where, and she's snapping them?

Okay, open one off of a coworker, random. Just show me a coworker. Actually, I'm not gonna, no, let me pick. I was gonna open Snapchat for you. Okay, so which one's Tia co-worker? He is an old coworker from when I was in Louisiana, so about eight and a half years ago. I will say 99% of those people is just streaks.

She just sends streaks to them, nothing else. Recent co-worker. conveniently, some of his previous snaps that are saved have now been recently deleted and unavailable. That is her ex-girlfriend from high school. Girlfriend. From high school. Vaginal connection girlfriend.

Not that far. But girlfriend, girlfriend? We kiss. And you're snap-me. But that's about it. Oh, you are a cock. You are a fuck. Yeah, she's sending sexy picture there, sexy picture there.

Okay, come on. Tattoes, tattoos. tattoos. Come on. Lesbianism. Sexy picture, sexy picture. Showing her belly. Come on. You're getting cocked. Okay, what about... He is not a co-worker. He was from... None of them are co-workers, dude! He was one of the other ones from high school.

Guess what? That I talked to. No, I think isn't one of your old neighbors. Yeah, he was also a neighbor of my granddad. 2021, because you asked them what Korean dish you guys just made together. Smoked wheat and made Korean dishes. Mm-hmm. Yeah, with an ex-high schooler.

Yeah, yeah. What the... I think he was a neighbor that she grew up with. Oh, even better, a guy neighbor that they're slacking. What about... He is an old co-worker. Oh, my gosh. None of them are co-workers.

Every person I should just call out. He just transferred. He just transferred. Every person I call out. Dude, every person I call out. Every person is not a current coworker that I've called out. Oh, they rode to work together quite a few times. Yeah.

She's done that with multiple coworkers. She rides to work with her male co-workers multiple times. They don't have cars, and if the manager on Shift currently before I go in can't do it, somebody has to. I don't know if he's going to answer. If budgeting apps make you feel like shit, this is for you. Most people who struggle with budgeting aren't irresponsible. They care about their money, but they get overwhelmed every time they look at it.

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or click that link in the description below. Type in code Caleb. There's no way he just did that. What about? It is from my previous job. He is my only contact with that job to have been able to get my tax forms. Because I

On Snapchat? No. I did call him. I only had his Snapchat. This is so fucking weird. Uh, just can remind me? He is a current co-worker.

Although I think he's at work right now so I don't think he'll kill you. And also, I mean, come on. I'm just being objective. He's a very attractive man. Okay. Okay. Well, maybe.

We want to. over. And he was an old co-worker from eight and a half years ago. I don't think he's getting answer either. I don't think so because you guys only do streaks. Yeah. Most of them we only do streaks.

He's sent like one in the morning and one at night and I think that's about it. This is weird. And the fact that you're okay with it. I guess you... Because I trust her. Based on what, I have no idea. But it's because you are afraid of being alone. Let's be honest.

So Alphonse, you've also told Colton that apparently there's a girl that you were suspicious of that she hooked up with in high school. That's what I told you. Okay. Have you f***ed a woman since you guys have been together? No. So that. But you said you want to bring her in.

You told Colton, you said you want to go hang out with her. Oh, she wants to go hang out with her. In Louisiana. Yes. You want to go hang out with her? The woman that you had. I also have family over there. Yes, but you want to go see her and hang out.

with her. Buddy, I'm sorry. Come on. Come on. She, since that incident in 23 and we had her

fighting out, falling out and everything, she did build trust. Or she's better at hiding. She's a serial cheater her

entire life. I don't believe shit. Once you're between that maps and life 360 and she hands me her phone all the time

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and you'll get our new daily budget meal plan signed by me, mail directly to you. I can't believe you had to put our cameras all around the house just because of her. No, so the camera is just a one, in the office because our cat likes to roam in there. Our cat constantly goes on her lap and bothers her on her chair. Was this quick credit connect?

That is a loan that I have. Why do you have a loan? Because our given... To fix a car to go suck someone's dick? No. To help pay rent and utilities. Oh, so when we were paying rent, we weren't even paying it. That was when I was unemployed.

Which the VA paid for your rent? No. So I was unemployed. for six months. The VA helped us move into our curtain house and paid for the first three months. Wait, why am I being told that you're about to buy a house? Well, because we are. What?

You're not paying rent, asshole. How are you going to make that make sense? So we are looking at a house in Mississippi for $45,000. And the monthly payments is going to be half of rent. Mississippi? Yeah, Mississippi. Well, I guess you guys don't really have careers, so you could go anywhere. Yeah.

What the for 45,000? Yes. What the, what is it? A trailer? It is a manufacturing home. Three bedroom, no, two bedroom, one bath. Why are you doing that? Why are you doing a depreciating asset?

Just rent. That's even, it's better. Can't stand renting. Well, yes, you can, and you will. Because it's better. Don't get a manufactured home. Why are we moving to? What are we doing here?

Trying to get away from all the dick she's used to? No, we're trying to get, I'm tired of renting. Why? This is, dude, so you. get a depreciating asset and you have to rent the lot you're on anyway. No, that we're going to own the land that's on. You're going to own the land. Yes. Okay, that could be the only upside. But a manufacturer housing takes a lot of money, goes down to value and then you have to try to sell it and it gets, why is this our dream? What the fuck is happening here? What are we talking about?

So the main dream is the land to build our own house. The manufacturer home is just to be able to have a temporary. And how are you getting a manufacturer house and land and potentially building a future house when you can't even pay $800 rent without all these loans without not paying it. What the fuck are you talking about? What the fuck are you talking about? Just because the last year was doesn't mean that's what's going to be for the future.

Yeah, but doesn't mean you can't do it now. It was just a year and a half of just threw up shit. But that certainly means you can't get a house now. Fucking my knee between having different jobs. I'm doing the best I can with what I have. Right. Savings $171. How the fuck are you doing this? Yes, that does mean

you can't do this now. How we're doing it. it. But it's just we're, it's been happening. I told you're literally going to do it in like a couple months. How? You have $100 in savings. You've done nothing but fuck up everything for a year and a half.

This makes no sense. I'm not saying you can't do it in five years, but how are you doing it today? Hopes and dreams. Oh, for. And hopes and dreams, she's not cheating on you. That's how you build that trust. That trust is three years of just three years of going through DMs and she found a way

to get it out of the DMs. Come on. I've seen this game before. I've had cheaters before and I know them and smell them when I can then they're right next to me. Why not just open up? You obviously want to fuck other men.

And that's fine. There is biological desire there and you... The open up or less is but only better for her. Yeah, because you can't land. No. You can go to the gym, get some game. Dress better. Yeah.

probably, but it's, I would, I'd rather stick to what I have. Oh, no, I agree. I agree. I would just draw the line in the sand. I tried drawing a line and she wants to cross it. But you're the one who proposed open? I proposed bringing another person in relationship. Why? At the time, it was just stale. And with her being swinging both ways, bringing another woman in relationship would benefit

the both of us. Did you say no? I said that's a possibility. Then what happened? What happened is the conversation got dropped and never brought up again. Why? I don't know why. It was just, we just wanted to brought up again.

My guess is because we got too busy focusing on our jobs and try and make money to pay our bills. Uh-huh, sure. Back my last job, I was getting $25 an hour. We were living very comfortably in a three-bedroom house. The room is saying having an open relationship takes all the fun out of cheating for her. It is true. That is true. She's a kink for many people.

It is. It's kind of crazy. It's forbidden. It's bad. It's naughty. I mean, I prefer more the open thing, but it's because I don't want to get a f***er as well. I hurt my feelings.

I don't think anybody really wants to unless that's the whole king. Yeah, but I think that's what she likes. Is that the thrill of it? No. Huh? Mm-hmm. I mean, you couldn't even afford to take care of your two dogs. You had to rehome them.

So you're going to get a mortgage? What are you talking about, asshole? Dude, this makes no sense. you're literally putting this on a loan, and now your payments on here are $211 to $29. Who knows what the fucking interest is? It's horrendous. It's already above the original balance you took out of $3,000

because you're probably not even paying this. I have made three payments on it already. And the interest is so brutal that it just for a long time. I think the interest is 23%. Oh, yeah. What are we doing? Why do you guys live the lives that you live? Okay, okay, okay, okay.

Oh, oh, fees. Fees, fees, fees, fees. What's CC flow? It's a line of credit to help build my credit. To help build your credit? What fucking credit are you trying to build? You have personal loans and credit cards and bullshit everywhere. What do you want to build your credit? I'm just trying to make my payments on time, build my credit, so that I can...

You already have debts. Make those payments on time. I am. Why do you need this? Because I originally pulled that out to help with bills. Well, there you go. That's the real answer. What's the credit limit all that? I can't see.

I don't know. Because if CCFlow's one was $3,000, that one was to consolidate, I think, two small ones. So that's what you don't know. Oh, my gosh. You don't even know what's happening. Neither of you know what's happening. A thousand. What?

You owe $2,308. That was the limit that it gave me originally. And Slin is refinanced twice. All right. I'll let you use the FIS card. It's a debit card that builds credit. How about that? Only lets you spend what's in your checking account.

Do that. That's it. You can't do anything else. Wait, you had a wife? Yeah. What? You had a wife? And so this is why this extra confirms why you're sticking around because you're just

afraid of having to go through this again. Well, yeah, because it happened. Oh, no. You can't just put up with someone who takes it behind your back. Why'd you guys break up? That's wife. This early. Yeah.

So it was We were living With her mom And we had a kid And it was Yeah You have a child Yes

He lives with his mom Oh His mom that doesn't want him My ex-wife Okay Well why did you break up Because that's even more intense She

Divorced me Because she cheated on me With her High school sweetheart Oh buddy Oh buddy Yeah Are we sure

This is an You're a king. What, me getting cheated on? Why would I want that? I don't know. Just because it happens to me, it doesn't mean I wanted to happen. So if my life has to restart multiple times because my wife or girlfriend cheated on me, I don't, I'm not into that.

That's, I've wanted that when that happened, I. But she left you. You didn't even leave her when she cheated. She left you. She didn't let you. Yeah, she left me with... You are afraid of being alone. She left me for him and then told my son to call him dad and put me out of the picture completely.

She took the house. Hold on. Did you go to court, dude? No, because... Do you not give a fuck about your kid enough to go to court? I couldn't. What is wrong with you? What do you mean you couldn't? Because I was in a hospital for attempting suicide.

Wow, man. Oh my goodness. So while I was in there, she... Then do it later. I'm glad you're alive. Let's be clear. The reason why I haven't yet is because if I were to go now, I would lose and there would be no point. Why?

Because she already has the kid and I am, as you can see, I'm financially, I wouldn't be able to afford a kid. She won't let him see the kid without her being there and she doesn't even have the time want to bring. Why? She was just attracted to another dude. Why is she being rude to you? Oh, no, she isn't more than that. So that guy that she cheated in my with only lasted two. years. Oh, my vote. And now she's

with a woman. How old's your kid? Oh, my goodness. What is, why, you surround yourself with the worst women? Eight? That's a good question. Eight years? Your kids eight? No, my kid was born in 2019. May 31, 2019. Okay. He's turning seven in May. Okay. How long has it been since you talked to your kid?

It's been two years. Oh, good death. Because So, you guys don't have a kid together, right? No. I was living in Idaho when I reached out to her. She was, and she reached out to me. She was living in DFW and told me she was leaving Texas to move to Tulsa, Oklahoma. She cheated, she left you.

Then she cheated and you won't leave and now you're... Honestly, if in the Post Show Brandon literally just f***ed her, you wouldn't do anything. You literally would not do anything. I would. No, you wouldn't.

If it happened and I knew it happened, I'd be gone. No, no, because this has happened so many times and you've never left. The only thing that's happened is nudes. That's the only thing that's happened. If she literally took a titty, sent it to Brandon in the post show, you would do nothing. If it happened now, no, I would be gone.

Because it happened once and it hasn't happened again. And I told her, if it happens again, I'm gone. $349 of fees. Why is their fees? Why are their fees happening everywhere? I don't even know. What one is that one? This is the C-C-Flo.

I just, I don't, I don't, I just don't like, it's like, we're going to go through this. So how will you ever trust each other? I am not trusting another. You literally have access to all her messages. I do. That is that bad. Our relationship is in that stage. I'm going to go through y'all's text messages in the post show.

Okay. And every time this happens, it's going to be juicy. I know for a fact it's going to be juicy. What is this loan? Check and go loan. It's a payday loan. Yeah. That's been refunded three times.

I don't know what fucking worth. I'm going to say. 1,200, 1,925,44 cents. Because who know, you just keep refilling every time. For fucking what? We originally got it. It was to help us buy groceries. And then the next time when I refinanced it, it was for utilities because we had...

How much you guys make on your door dash? I make $450 a week. A week. Okay. Let's call that after gas maintenance, everything. After gas is the 320. Okay. Let's call it $250.

then a week. Okay? And then let's call it 200 after taxes that you will set aside. Make 200 extra a week an actual true after tax profit times 52 divided by 12. Okay, an extra 867 a month. You? I make about 150 a week on DoorDash. Before everything? Yeah. You don't do DoorDash as much as I do. I think it's a $150 a month is what you do. Do you think a month? Yeah, I think a month because you do, when you go DoorDash, it's like once a weekend. I'll call it like a hundred bucks then for you.

Yeah. Oh, yoy, guys, you're broken, man. Yeah, that's because she works more hours. Yeah. Well, this is a payday loan's crazy. Payment of, oh, it's twice a month. Are you actually making these payments? Yes.

The check and go is one of the first things she pays with their paychecks. $148.12 cents a month at 145% interest rate. Indigo! I believe you're not. These ones have horrendous interest rates, don't they? Yep, there it is. 36%. Fuck me.

What are we doing? It's maxed out. So it's another one of yours. Why do you need a credit builder, dude? What are you talking about? You already... That one I pulled out. Because...

Not a pull out, dude. I got it. You better be pulling out so he's not getting another baby. That's not his. $970.91 cents. I got that one to help us when we were moving down here because we forgot to account for how much guess we would need after. after pulling a U-Haul.

Speaking of pulling out, I mean, I'm just going to keep going back to it because this is, again, the trust thing. Answer this question right now. Okay, hey, let's take your word. You have not cheated. You have not physically cheated, okay? And you have not sent news in three years.

Okay? So we're aligned on that word. Yep. And you will not cheat. Like, even if you wanted another guy, you would not cheat. Now, answer me this. If given permission,

would you want to fuck other people, men and women? If given permission, if you say yes, Yes. One second. If you say yes, it doesn't mean you will without his permission. I am asking, with permission, would you be open to that? I'd be open by probably wouldn't take it because the past year, I've been addicted. Addicted. Oh, good. Five years in. Just the last year. Like, I've been off the walls addicted. Why? What changed? What changed? That's a good question.

How often do you guys If I initiate it's once or twice a week If she initiates it's once a month That's addicted? So you would Come on If given permission We were doing once a month

I'm saying given permission I'm not saying cheating Given permission You would want to Other men and women Given permission Not necessary I don't believe your shit man

Okay Okay okay Okay Three years to pay this off You're addicted Is once a month It's not how I usually define an addictic That was two years, like the past two years before this last year, I was doing like once a month.

He just said once a month. Like since start of 2026. Which is over a month and a half in. Yeah. More. Twice a month, yippee. No. So the last time she-

I have initiated three times the past week. Okay, the past week. I'm just like, what the fuck are we talking about? Yeah, she got a little horny. It's ovulation window. Great. Not yet What the fuck is going on here?

Okay, someone pull up their Amazon I'm being told to pull up your Amazon You've had a late fee this year Me? It was Indigo. Yeah. Yeah. Like it's nothing.

A singular late feet. Yeah. Oh, start a screen recording. Okay. If you want to land a high paying job but don't have experience or a degree then you need to learn about course careers. It is the easiest way to land

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lifetime. Download DollarWise and start your free trial. Go to dollarwise.com or click those links below. This is a foldable phone? It's so long. Yep. It's a Motorola razor. Oh my goodness. Gaming shit. Memory foam seat cushion. Yeah. Before you can sit down and game shit. Oh my gosh. Professional earbuds for gaming show. What the fuck is this? Couples Rose app remote. Please don't. Is that that, that's not on right now. Is that? No. I don't, we haven't used it yet. Dude. It's this gaming shit and stupid shit, man. Oh my goodness. And then another vibrator. And then you just set up a gaming setup.

How much did you invest into this gaming set up? Actually, the monitors, that's her Christmas sake. She was using on TV's and I on Christmas I got her two monitors for her setup. How often do you watch? Like once a

month? If at all. I don't know. It just doesn't line up. He watches it more than I do. Well, if you're not f***ing them, that's fair. Yeah, I watch. watch most daily. Oh.

And I'd jog off like once or twice a day. Oh. Hopefully not in the triple dippers. GamerSups is good. Use my link on the GamerSubs website. You'll get a discount, okay? The reason we got it on Amazon is because her grandpirets got us a $70 Amazon, $75 Amazon gift card.

Okay. But in the future, use mine. I think it's a 10 or 20% discount. It's 40 cents a serving. It is much better to make it home. You. It's cheaper. You got a Donald Trump best game or everything.

And Second Amendment American flag, I mean. Christmas. That was his Christmas stuff. Okay. That's exciting. And his birthday stuff. Learn a lot. Well, sitting on the pot.

Oh, my goodness. You guys are. That book was wild, by the way. That was a book. Yes. You've read in your life. I've. Okay.

I buy him books so that he can read them because there are topics that he's. Great game. That's a great board game. It's a great board game. Okay. Interesting fees. Oh, this is a different Indigo card. No, this is Destiny.

Destiny. What is the Destiny card? That's her. Oh, my gosh. It's all you so far. That was for... We needed a credit builder. When I first moved out of my grandparents' house.

It was to help me... What was that? I think it was back when we... That was 21. Yeah, when you moved in with me shortly after we got together. $48. monthly fee, credit protection, two years to pay off. What a disaster.

What a disaster? Who's credit engine? That's Luna's. Oh, Luna, you're just an incredible, what a catch you got here. Most of the loans I have pulled out are because he has shit credit and can't pull them out. I need to define this because everyone in the audience always thinks I'm attracted to literally every single one that comes on here. I just want to be objective. You are not my type, but you are also out of his league.

Yeah. Beyond far. And that is why you aren't with all the stat, with the cheating, with the history, with, it's just like, that is why you will not leave. I won't leave for multiple reasons. Yeah, because she takes your dick, has big tits, is way beyond your league, and you're afraid of being alone. Yeah, that's about it. That is it. That is why you won't leave.

How does that make you feel? That's why he's not leaving. If pussy whipped him. Wouldn't use that term. I would. I was going to say titty whipped, but. Oh, I've seen both, so Thank goodness only one of them is Harry

$33.42 a month $498.78. $73. They really go full bush in Oklahoma, huh? I wouldn't know that's just I haven't tested any of the Tulsa Rainbow.

You've only been with one woman? In Tulsa? Yeah, we've lived in Oklahoma for not that long. We've been... Are you in Oklahoma? So, we're in Oklahoma because my baby mama moved up here and I moved down here to go with my son.

Where's down up? What? So directions big no sound. She's up from DFW. Yeah. She moved up from DFW to Tulsa and I moved from Idaho to Tulsa. I know Idaho. Yeah.

Actually, I hear Idaho's nice. It's very nice. I loved Idaho. But now you're in Oklahoma. Because of my son. But we moved here so that he could get to know his son and everything. And then three, like two, three months after. I'm sorry.

We moved here and she moved here. She lost her job, got evicted and had to move in and with his mother. His mother, not her mother. And yet, you can't see the kids, though. No, because after she moved out of my mom's, she went no contact. She doesn't contact my mom anymore. The last my mom heard from her is she moved in with a co-worker

from a job she had for two months. Okay, what's going on with credit, Ninja? That one was mine. 498, 78, 73, 33-30s. You're using kickoff. I do like kickoff as a credit builder. We both have kickoff. It up.

Okay, you haven't fucked it up. That's good. You have not brought it to that $3,500. That's the 35 one. Whose kickoff is this? Oh, that's why it's not being fucked up. That's good. So $35 a month.

$3,150. No, no, sorry, that's the balance. $350. Okay. Yeah. Again, this can be a tool to be used and you're doing it. This one you're doing right. I'm okay with that.

Let's see how you're doing it. Okay. Even better, actually. I want with the cheaper one, because I know I have all the other bills, and until those are paid off, I don't want to stretch myself in. So. Good. Who's Quicksilver?

Mine. Wait. Are we sure that one's yours? Who's above the limit? What's the limit? 300? That is hers. Of course.

That is the first credit card I ever got. Oh, so let's keep it maxed out. I had paid it off once completely. Great, so let's keep it max out. And then I had to use it again when we moved down here for the down. You're not down here. You're up in Oklahoma like nine hours away. Seven, but yes.

You ain't down here. Compared to Idaho, yes. Well, everything compared to Idaho is down here. Okay, $318.60 with the $25 minimum payment takes 19 months to pay off if you even paid off with your purchasing money while interest is accruing. Well, late fees are happening. She's laid on everything. Why are you with her?

Just for the tits. Are they that good? No, they're fine. There's big tits everywhere. For Starbucks, Starbucks, late fees, Starbucks. F-Buck you. What are you doing? I have recently backed off of Starbucks because we bought the game.

And then you didn't. Recently was literally her last statement where she's not paying it on time getting two Starbucks going above the limit. I recently stopped. No, you fucking is your literal most recent statement available. You. Make your coffee at home. Your energy drinks at home.

Fuck you. We got gamer soups literally right after we sent these to you. She doesn't like coffee at home. We've tried. I've tried getting her. Starbucks is like the worst coffee. Just get the beans and you can make it just as shitty. I will say I used to work at Starbucks.

And because of that... That was your coffee shop that someone was jealous about? Nope. That was a different one. It was the coffee shop that she had a... was at a resort in Idaho. Okay. Alphonse, you're a quicksilver.

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Limited time offer. $138 and 26 with the minimum fee payment of $25. Okay, seven brew coffee are still going. Fuck you. Steam. Going in and getting some energy drinks probably. Steam, Steam, talk about Steam. First of all, how are you spending so much on Steam?

I play video games. I do not buy this many video games in a week. it's either a video game or you know what you are i was looking to buy a new video game the other day and uh you know what i saw brandon on the top sold all three are simulators on steam right now i don't not buy those games i don't i can show you my steam library i can show you my steam library well he is well come on you're the two times a day or you got a my friend i do you got a perfection i'm glad you can at least still stick it in her but when I was trying to stick it in her like every day,

we end up having a fight because she thought I was using her for her body. So I had to cut back on that. And? Were you? I was not. I think you kind of are. It's the only reason you're sticking with her. I mean,

I love her too, which is why we're sticking through all of it. You're upset that he wanted to have sex every day? That's usually like a... I wasn't upset. It was just with... There were a lot of times where he woke me up from sleeping. Because you gave me your consent for it.

At what time? Even though I told him that it was okay every now again. At what time? Random times throughout the night. Like at 2 a.m. He would just be sleeping at him. Sometimes 2 a.m. Sometimes noon were she sleeping at noon.

But permission. Yes. I did give him permission to do it sometimes. That's fun then. That's fun. Oh, well, did you define that? It was not defined. And he was doing it every day. Almost every day.

Almost every day. So my sleep schedule is the name. I told her I'd rather stick it in than watch porn. Yes. But, I mean, and that is a fun little kink thing. I mean, I get it. We all like to have fun. And as long as the permission is given,

but that's something she wanted to do it every day. I will admit, I did get over, I did go too much. Also, are you able to do it when she's not asleep, too? Yes. Yeah. Okay, just wanted to make sure it wasn't just that. No, it's just,

I have to be careful not to cry around him. He f***ed when you cry? He gets extremely turned on when I cry, so I can't cry around him. Hey, yo, what the fuck? I can't explain it. Don't ask. No, that's weird, man.

Please explain. I can't. I told you, I can't. And every time you cry, you fuck? Yeah, actually. If he sees it, yeah. You're not, why don't you say no? Can you?

I can, yes, but I already tell him no about a lot of other things, so. And he does those anyway? Steam games, apparently, yes. Oh, oh, not sexual. Oh, sexual, no. You guys have like a free use situation I'm hearing. Yes. That's fun.

I'm a big fan. But, you know, as long as it's given, express consent for free use. Whatever she wants to, she can and vice versa. Well, I think, yeah, you were trying to get yourself permission. But yes, I don't think she's... Okay. She's done my bones when I'm slept a couple times. Oh.

Say you do it too. Yes. What it's worth, I mean, you're usually not hard while you're sleeping, but... Oh, no, I am sometimes. What is wrong with you? I don't... A lot of things. It's a longer...

It's a shorter list of what's not wrong with me. Okay, who's not making their payment on their coastal community bank? What is that? Actually? You've been okay so far. Coastal community. I don't know what that is. I think it's...

What's the 125 balance? That must be a collections. I don't know what that is. This is credit karma, yes. But who has coastal community bank? I don't know. We don't even know who's... The only thing is I have...

They don't want to pay me $25. box, balance 125. Who knows that you purchase it on? But someone's late one, two, three, four,

five months in a row. It's gonna go to a collection soon. That's gotta be you. You want collections? Huh? Huh? Don't want collections.

What did you say? I said it's probably him. I don't know what that. I don't know what that is. But neither of us know, so we're not sure. Highest balance 600, balance 125.

I don't even know what this one. We got another coastal community bank of $71. I don't even know them on the same. Probably 25. So someone else has $75 in good standing with Coastal. And then what's TAB Sunbit?

That is collections from back in like 2017. Yours? Yes. Bad. From 2018. 2018. Hopefully to be falling off soon. We'll see.

That's going to f***erhammer financial score. Fick, what is this? Nelson. That is a car I had when my... Close. Repode? Voluntarily. When I lost my job.

I voluntarily are possessed it before I got late. Look at you thinking. Volunteer is so good. We know neither of them are good, but that was better than the alternative. I got that car when I had my job and when I lost my job, I voluntarily re-possessed it before it went late. And we couldn't- $8,154. Out of the, I think it was $15,000 when I got the car.

Kickoff we already have. Open Sky City Bank. I don't think we did this. That is my, that was a car. It's also closed. Yep. Collection. Man, so you're just a collections guy.

When I lost my job, yeah, when I was unemployed for six months. Why didn't you file for unemployment then? I couldn't because I quit. Oh, fucking retard. Wait, I thought you said you... It was a mutual between me and the job. I put in my... I thought you got laid off because you were gone for the surgery.

No. Community College. Passed to $1,200 for what, asshole? That's my college. That is the best balance that my job is supposed to pay for. Are they going to? because it is past due. $1,231 and 16 cents,

which is the balance, but it's also past due. Are they going to pay for it? They're supposed to. If they don't... Are they going to? They're supposed to. Oh, you have a kickoff in collections. My f-

Okay, who has $3,168 in federal student loans? Me. Oh, wait, no, there's probably going to be more, right? Or is it just that? There's a subsidized and un-subsidized. Is this for ongoing right now? That's for dive school. Yeah, from his...

dive school. What were you going to do with dive school? Underwater welding and hazmat. But you're a fat f-f-f. I was 235 pounds when I went to dive school. Does that mean you're fat-fuck or not?

I don't know. How tall are you? I am now. Back then I was not. How tall are you? 6-2. I mean, it's probably a little overweight, but, okay. Student loans.

You're in school now, so you don't have to pay on these. Those are dive school. Those I do have to pay. Why? Tell them you're in school. They know I'm at school. What kind of school are you in? Online college.

No, you would not have to pay. Is it a certification? Yes. Oh, there you go. Yeah, probably. $5,060. What's your monthly payment to student loans? It is.

For the both of them, $50, $25 each. Oh, my fuck. Okay. Okay, good. Looks like that's it. Checking account. $0. And yet we're still steam.

Waterburger. Pick the worst burger there is, literally. Taco Bell. you went inside, got some bullshit. Clash of clans you're paying for? I did that one. You suck other guys' dicks. I did that once.

Clash of Lans. Really? Yeah. Sean and I started playing together. And she's playing with the Sean as well. No. She's playing around. I'm having a good time.

See? Wait, what? I'm not playing. When I make a joke and she confirms it? She said, Sean. He said Sean. I said co-worker. No, Sean. That, he said Sean.

That's Shawnee. Winn inside got some bullshit. Got some bullshit. Donuts. Crunchyroll, Taco Bell, McDonald's, bullshit. Steam purchases. No, the Walmart's not groceries. They don't do groceries. Amazon. Taco Bell, Bolster. Winning got some bullshit. PolyBuzz chat?

AI. You're paying for fucking AI. What? You're paying for fucking AI. It's okay if it's a tool for work, but you just grill things, so I don't... I use it for... Uh, bullshit. Pull it up.

I deleted it. What do you do with PollyChay? I don't know what this is, Polly Buzz Chat. I've never heard of it. Um, it's, it's like random roleplay. There's a bit of, uh, roleplay for AI. He's like, for AI. No, it's...

It's roleplay. Yeah. Like D&D type roleplay. Oh, fuck off. You can goon, but I didn't use it for. Look at you the two times a day or... Yeah. No way you're not.

Taco Bell, bullshit. Amazon, McDonald, Starbucks. Bullshit, bullshit. Lopez Girls. DoorDash. Dave, you're using Dave? I am. Ficking me.

Amazon's theme purchase. Discord Nitro. Taco Bell. Bullshit. Bullshit. Donuts. Evolution cigars. Chili's bullshit.

DoorDash. Snapchat paying for Snapchat. Snapchat, DoorDash, evolution, cigars, bullshit. It was $2 just to restore our streak. Surprise you don't have. Overdrafts. Is this yours? Yes.

171, not much better. Amazon, IHop, bullshit, del Taco, Minnesota Woodlands, Broadway liquor. It's a lot of liquor. She bought that for me for Christmas. That was for his Christmas present. Liquor? Yeah. She bought me eight, six bottles of Jim Bean.

What's wrong with you guys, man? You guys are weird. Tattoos. Do you have tattoos? Thursday piercing. Oh, that was for my nose piercing. Bullshit, blizzard, hello candy, bullshit, Arbys. Well, you're spending a lot of money on Blizzard.

Fifteen bucks there. Arby's, McDonald's, Amazon, Hulu. Lin-Quisine Chinese, Pokemon, Go. Starbucks, Taco Bell. I have. And I've charged something food bullshit. McDonald's, McDonald's, McDonald's. Starbucks, Taco Bell, bullshit.

Prime video. Premium. But you see all the payments to all my loans. Doesn't matter. You were laid on some and you're only making minimums on others. Shut the fuck up. Starbucks, DoorDash, and Casey, you can't pay rent and you're borrowing to pay for utilities.

Go f*** yourself. And you're not going to make society feel bad for you anymore. Once I actually dive into the spending, this is what happens every time for everyone that pretends they're like a financial victim. No, you're not, you just fuck around. Taco Bell, Little Cic's going into bullshit. Taco Bell.

McDonald's going into into bullshit. DoorDash. Overtrap fees. twice already this year. Fuck you. Fuck you. All for Taco Bell. You guys are a fucking joke.

The overdrafts weren't for too. Shut the fuck up. Yes, it was, because it was still in your purchase history. It all comes down to it in the end. Okay, income. I didn't know she over traps on her account. Well, she does, and yet you're with her, even though she sucks other guys' dicks.

I don't remember that. When you paid one of the utilities with my card, it didn't show up on my account until Monday. day and then it over-drafted my account by $10. Total income for the house, $3,430. Okay. Well, I'm sorry, keep going. Clarify to each other.

Will I add this up? When her, the utility went negative. I think we, I had door-dashed and put the money in their account to pay for it to come out of negative. No car payments here? We should have two car payments. Oh my. But I didn't get it.

them? I think, oh. Huh? So I got one of them? Did I miss it? Did I miss it? Oh my, what is that? What's the balance?

We have two cars. We have two cars. One is 14,000. The other one is 13,000. What's the minimum monthly payment for the 14th? 18. All right. Good luck. $1,868.51 is your new minimum fee payments.

$800 rent. What's your utilities and Internet combined? Water is $120 a month. Electric is $150 a month. Gas is $90 a month. Internet? Internet is $50 a month. $4.10 for utilities.

That's crazy. Phone bill. $1.00. 50. Use helium. It's cheaper. Fifty bucks a line. If T-Mobile's good there, and I'm sure it is in Tulsa. Gas. Room, Vroom, Drive, drive, drive. Uh, 200 a month. For both? Yes. Car insurance. 350. It used to be 4.50. Grocery. 600 meal prep. Warm up. It's easy. It's chill. I don't give a fuck on the stove top. Put in the fridge. Use the microwave. I don't give a shit. Use our meal plan and our budget-friendly cookbook. Assholes. $200 for TP-fund. Tampons. Anything else you need. New socks. Whatever it is that

pops up. Are there co-pays, medical payments on a monthly basis? On a month's basis? No. Jim? No. Subscriptions, I'll try 40 bucks, games and shit. Peninsurers, you got pets? One. Why? You already got rid of... What do you have? A cat. Okay, $50 for pet insurance. How much for pet food? 40 a month at most? That's cheap. Yeah. Anything else you need in this budget before I say go f*** up, because there's no way this is going to work. I believe that's everything. Oh, $4,708.51 cents.

You're not getting a house. I don't know what you guys are talking about. You're already underwater. This makes no sense and you suck other guys' dicks. It's like, what are we doing? 1,278 dollars and 51 cents under like, maybe she needs to start the only fans. No, not really.

I would never advocate for that unless you really want to. What the f is going on here, assholes? What the fuck are we doing? What a joke. You need to go through the certification to quick as possible and I'll get you a court's career as one. Like I said, on top of it, get into cybersecurity. Do not increase your lifestyle and pay off all this debt.

Change your behavior, maybe go through bankruptcy, and you need to figure out something for your fucking career. I'll also get you a course career certification. This is income, and you guys have gone beyond debt. Beyond debt. You'll never fix this. And I don't know how you're not homeless. You might need to move in with family.

I don't know, guys. You need to improve your careers, make more money than pay off this shit. There's no way you're going to do it now. Bankruptcy is likely in the future. This is fucked. I need to do your hammer financial score. But join us for the post show guys. I guess I missed another debt. Oh, we'll forget that out in the post show. F F F F*** me. Oh, the car loans are new as well. I'm gonna go through their text. Oh, there's some friends debts. Oh my f*** there's so much. There's so much.

Oh my goodness. We'll go into that in the post show. Click the joint by an hammer financial score. Spending in a budget. You overspent zero out of 10 debt. There's collections. Zero or 10. Emergency fund, there's zero dollars. Retirement. There's nothing real estate. National score zero at 10 their f fissures at Calebhammer.com. Click the join button. Join the number one membership on YouTube for a reason. Hammer Elite. Three premium shows posted every single day,

Monday through Saturday. It's awesome. Join us for the post show. Me. I got something. Lately, I've been feeling disconnected and more like roommates than partners. You want to talk now,

or you're gonna continue to be pissed off? Then she says, I was talking with a friend that I told about. We went to high school together. What is your issue? Well, you also sent him. you're literal. The d'allel.

Don't forget to download the new dollar-wise budgeting app. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download, but only through March 31st. Take a free three-day trial to test it out. And then you get the monthly plan at a 33% discount for the first three months for the annual plan at an insane 50% discount. And with the annual, you get my budget-friendly cookbook and my brand-new 30-day detailed budget meal plan signed by me and meal directly to you.

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