Financial Audit - The Most Hated Couple In Financial Audit History

Episode Date: August 18, 2025

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Fit for your ambition for Citizens Bank. To watch episodes of Financial Audit a week earlier, check us out on YouTube. Don't fuck with me. Don't fuck with me. She's usually not this bad. I wasn't this bad before the quarter life crisis. She's one of my least favorite people I've met in the three years of doing this show. I knew you were going to say that. Honestly, it's a little bit of a compliment.

I'm talking. I don't really care. I have to be candid. You're very unpleasant. You need to leave her. I ask him why he hasn't. And that's a great question. What's your answer? Bundle all of my educational programs I've ever made, plus the premium version of my budgeting app, for not only 80% off, but also with a free trial today at dollarwise.com. Join the tens of thousands of people who've changed their lives and joined Dollar Wise Central right now for free. Hi, my name is Hannah. I'm 26. I'm Mark and I'm 23 and we live in Spokane, Washington.

And this is financial audit. Welcome to Austin, guys. Thanks for coming in. Hannah, you're the one in front of me. So let's start with you. What do you do for a living in Spokane? Right now. Lovebirds.

Look at them. So cute. Very good. Right now I door dash basically full time. Full time. You're 40 hours a week. Give or take. So the active time versus dashing time.

Active time means I have an order. It is in my possession. I'm taking it to them. That's roughly 35. Are you putting in 40, though? You yourself out there grinding. Okay, very good. 40 to 50 to 60.

Yeah. It gets up till 60. There was one week, a couple of weeks, actually, in the past couple months that it's gotten up to 70. She's out of the house 10 hours a day. Why? I mean, that's can be good, can be bad. I don't know. That's why we're here.

I'm coming out of the gate with it. So, yeah. Oh, for fuck sake. Yeah, I'm door dashing like 40 plus hours a week. Why? Why are we putting in so much? Because we're in debt. And I haven't been able to get another stable job in our home or in our town. Spokane, honestly don't know much about it, to be completely honest.

Tell me what's, what's coming in on a weekly, monthly basis with this amount of hours that we're putting into this job? Weekly basis, um, anywhere from $500 to $700. But that's before all expenses, right? Yes, unfortunately. And we drive a Ford Explorer. It's one car. Technically we have two, but my cousin leases the second car from me. Okay, Miles on the Ford?

In year? We've had it for less than a year. What is the year of the car? Oh, 2017. Okay. And what's the miles on it? I think we're somewhere just short of 100,000, maybe 90,000. Okay, so all for over 100.

Net? No, we're not. Like, net after everything, after gas, all this stuff, four to 500 dollars a week? Probably, but. Well, stacking more maintenance and miles on this car. Okay. Okay.

Okay. Okay. And I haven't a hard time finding a stable job. Okay, sure, sure, sure, sure. So the last real job I had was at a... This is a job. It's not a job. It's not, but...

Well, the last job I had that was like, somebody else writing paychecks for me, not DoorDash. was part-time at a taco stand, and it was like 25 hours a week starting out. Obviously not enough. Okay, so you're making $1,600 a month net before you said anything aside for any of the self-employment taxes, all that good stuff. Okay, so I'm hoping you make money. What do you do, Mark? I'm unemployed.

Oh. Oh, she finds that amusing, Mark, that you guys are on the edge of property. Oh, she continues to find it amusing. Well, I get disability from the VA. Okay, and it's, hold on, but I'm not against it. It's the fact that literally every single person that's ever served in the history of the show gets disability, which is very interesting in the fact that there are people out there that coach you on how to get higher ratings of disability seems to be a flaw in the system, whereas there are people who have actually been injured serving,

I get more than most of the people that go to those coaches and I've never talked to any of them. Well, you've never personally. That's anecdotal. When we're talking about the industry as a whole, what was your service? I was a truck driver in the Army National Guard. And how much do you get from this?

It's just short of 2,500. It's 2489.96. Okay, so make more permanently forever for the truck driving than you do, drive in the car. Mm-hmm. On a monthly basis. Mm-hmm. Okay.

So what are you rated at? That is 90%. 90%. Yes. Jeez. Okay. For sake. How many years did you do that?

Technically, I'm still in, but I'm in the process of getting out because of all of the disability stuff. But it's been four years. Okay. So why are you unemployed? Is it because you're disabled? Great. For the most part, yes. Because that would actually be a real reason for disability.

Reminder, basically everyone also that's been on permanent disability forever. Also has a full-time job, meaning that, okay, they're clearly able to do some things. So the main thing that I'm disabled for. That's not the only reason people can get disability, by the way, is because they can't do things. The main thing that I'm disabled for is I got a traumatic brain injury. I was about 10 feet up in the air and landed on my head. Doing what? You're supposed to be driving trucks.

It had nothing to do with the actual job. Oh, good. Yeah. Oh, that's wonderful. And that's why we get that money now. What the fuck are we doing? I'm trying to get it up to 100% because... Oh, of course you are.

Sure. Why not? Instead of getting a job, that's great. Okay. Well, you have permanent brain disability now. But just because something happened while you're just... Oh, my gosh. People are trying to get disability for acne now that they got in the military.

It's fucking crazy. Okay. Okay. Fuck sake. Oh, boy. boy, and it had nothing to do with the actual job he had. That's wonderful. This is so good. This is so good. I'm thrilled.

You're going to us to repaying so much in taxes. Fusick, 2% of the federal budget. My goodness, well, there are veterans starving on the street and don't have anything that actually got injured in the service of the job that they were doing. What the fuck are we doing? Oh, my gosh. Okay. Can I give you one anecdote?

No. So, you can't do any other job. I have issues standing up for too long, and I will get like that. Now, because of that thing that didn't involve the job you were actually doing. Okay.

It did, but it didn't. So what is... You can't stand up. So are you able to sit at a desk? Are you able to do things? I want to make sure you at least find value in the rest of the life that you're doing. That's something that I've actually been looking at

with the show and stuff, with your course careers stuff that you do. Yeah, we can get you a course career certification for sure. But, okay, that's obviously not... Well, what are you trying to do? Based on what I've looked at it on course careers. I would love to do a... counting. Okay, yeah, let's do that. That's a good place to do it. Now, I understand, okay,

unemployed, but you're technically still in service. You're just on your way out. What are you making in this? Because I said, I'm okay with that little transition period. I'm not freaking out about that. When you say unemployment, I'm like, oh, fuck, why doesn't have a job? Well, she also doesn't have a job. What the fuck is going on? You're in that transitionary period? I'm okay with it. And we should help people, obviously, transition from the military into the private sector. But either way, how much were you making? So since it was just the National Guard, it was only a couple hundred bucks a month.

Oh, wait, yeah, that's right. So this was not full-time? No. Wait, what, did you have a job? What's last time you've had a job? Last year. 23, okay. Last year I had a full-time job.

Doing what? I was a detention deputy at one of the local jails. Okay, why aren't you doing that anymore? Because I... Oh, you can stand. Yeah, so my head injury got worse. And I ended up hitting some ice and drove a car into a lake. Three weeks before our wedding.

Yeah. Ever since then, the head injury has gotten worse. And so I have not been able to keep a job. What treatment is there? I don't know. Trying to manage it with medication and stuff. That's the best that I've come up. You need to step the fuck up.

You're married. Why aren't you doing shit? At 26, no offense. Because. Actually, fuck you, offense. Well, Um, in my defense, I am going to be dropping the McFries. Okay, so you're putting the fries in the bag soon.

But what does that actually mean to you? Um, that means I'll have secured full time. Like actually at McDonald's? Yes. Oh, actually at McDonald's. Actually McDonald's for my fifth time. What's your fifth time at McDonald's? Yes.

Okay. So when I said step up, I actually meant it. Not this. Okay. What the fuck are you guys? Um, I don't. know, I'm only child, so, um, mommy and daddy. What does that mean?

Might have spoiled me a little too much. I'm the only child and then I'm the youngest grandchild and the only grandchild. Um, oh, how long have you guys been married? Are there kids? Uh, no kids. We got married, uh, last November, so seven, eight months now. Okay. It was the end of the month, so. Uh, okay, last November. Okay, good. Congratulations. Also, there's a little bit of a reason I haven't been super able to communicate in this conversation.

Yeah, that too. But no, I haven't really worried too much about putting away for retirement or anything like that and just kind of been coasting. Has your single child? Yeah, yeah. On my mom's side, I am the only, yes, on my mom's side, I'm the only grandchild. And my granny has 22 acres and roughly. a $600,000 estate. Okay.

That I'm the sole inheritor of. It goes to your mom. Well, goes to your mom. Yeah. She gets nothing? Exactly 50 years old is that means. So 75. Your mom gets nothing.

76 would be the math. Yeah, no, mom and uncle, they get stuff. There's a 40. Well, they get stuff and then it goes straight to me because my uncle never had kids. Gabba Junkle's alive, so he gets some. Yeah, he's going to have some of it too. but there's a like there's a $40,000 life insurance policy that's going to come straight to me. When, when, when, when, when, when, that's just.

How's her health? Um, she had a stroke. Her heart is aphib. Uh, she's diabetic and still eats a ton of sugar. Um, lover. But, uh, part of the reason I took so long to move out of my hometown was because I was worried that my grandparents are going to die soon. Okay. Okay, so, I mean, what?

If it's split and third across from everything, I don't know what's going to happen with the property, but it's a weird thing to bake on. Let's say you get $200,000. That's nice. That could be in 10, 20 years, though. We don't know. Could be in five, could be one.

They're all fully set up adults that have property and things like that. Yeah, but they still might. What do you mean? They have more probably nostalgia, the daughter and son. But they didn't grow up there. Yeah, okay. Well, it's still their parents.

Have they given it up? Um, well. So what the fuck are you talking about? What are you, what are you asking? There was literally like a financial planning. Have you seen, okay, and what? Um, yeah, there's, so there was a financial planning meeting and my mom and my uncle discussed like, um, you know, right now there's no plans to sell the property, but if it did, it'd go 50, 50 between the two of them.

Okay. There's a bunch of stocks and investments and stuff. 600,000. Not a lifetime. No, not a lifetime. But they've basically said once I prove myself, I could have access to that to like invest in a business or something. So like maybe 200,000 hours of it, which is not insignificant.

Actually, it's an incredible amount of money. Not enough to retire on, not even close. Pay off debt. Sure, down payment towards a house or chunky down payment, absolutely, maybe. But also, you know, potential tax implications, who knows. And who even knows what they're going to keep or how this is, I feel like you're not able to speak on this. No, probably not.

for what the actual distribution looks like between their kids and then what goes to you. But that he doesn't have. No, your grandparents' kids. There's only two of them. I know. So what goes between them and what goes to you? And they both love me. I'm sure they love you.

It is it a, but is it a three-way split? No. What are you talking about? Okay. Well, she doesn't know what the fuck she's talking about. So I don't know why she's even yapping about it. this. But great.

There's your retirement plan, my guy. You can't work because you're injured, and I'm sorry about the injury. I have some retirement. He's actually smart. No, his brain's broken. Okay, so listen, how do you feel about having a wife?

That is seven months into wifedom. How long are you guys before? Together before. Is that a joke too? My gosh, we laugh at everything. Okay. Like eight months? My mom actually got really mad when I told her that we were getting married.

Because it was roughly the same amount of time that it was between her and my dad meeting and getting married. I'll be honest. My mom has no opinion. It's just, she's not a part of the conversation. Even if she had an opinion, her opinion would be irrelevant. Okay, you hate her? For justified reasons. What?

Um, can I say it? Leave it at this. I got kicked out when I was like 16 and moved in with my grandparents. So you hate her. I hate her guts. More than he. Okay, whatever. I just try to leave her out of the conversation.

He's indifferent. Okay. What I've been trying to say for these past few minutes because you guys are miserable to be around is the fact that how do you feel that you are unable to work because of an injury that I feel sad about? That sucks.

And your wife is kind of absolutely unable to provide in any way whatsoever. She's gone and quit this job five times. She's going to be food service forever. Not hating food service. but what the fuck are we doing? She's not going anywhere. The fuck.

What did you attach yourself to here? Personality. Somehow he likes me, though. It's because he has a brain injury. We've been through this. I've said it myself. Is it bad that we literally talked about it relatively? I think it was last night.

Like, if we were both in getting mental health. I don't care. I don't give a fuck. I don't give a fuck. Dude, I don't give a fuck. Okay. So what is going on in your guys' lives? What's your conversations around money and your,

lack of it. We pay whatever we can with what I get at the beginning of the month. And then as the month goes on, any bills that come up, she dooredash is like crazy to make him up. Okay. What are we spending money on? What are the conversations? What are the conversations?

What's the knowledge of knowing in? What is going on? I really need him to stop getting mad at me for what I'm spending on. Mad of you? And then retaliating. The fuck does that mean? What is your, What is this? Fine. What is his retaliation?

His retaliation is micro-transactions on the Google Play Store or on Xbox Live. What are you getting? Why? And it's retaliatory. Yes, retaliatory. So she spends and then we're like, I'm going to retaliatory spend? I thought you were the financial same one. Isn't that what we established? What a financially mature individual would have retaliatory spending when we have, oh, by the way, not of which being any appreciating assets, $56,000. $1,521.66 of debt. Bad debt. No good debt. Nothing benefiting you whatsoever.

And were retaliatory spending? What the fuck are you doing? What is that? First of all, why are you still spending when you don't have a fucking job? And you're unable to provide you and quit McDonald's five times. Great. Yeah, thanks for participating in this relationship by your spending. But then the retaliation, what's the point?

I still do half of what she does. Huh? I still spend half of what she does. if that. So this is where the conversation then goes again. What the fuck is your conversation like when it comes to money? How do we communicate? What does it look like?

Walk me through an example. Have a financial conversation, perhaps. Go on. So you learn about a spending. What kind of spending there is? What do you learn? She goes out and spends stupid money on. Wow.

Oh. Okay. Okay. And then walk me through that conversation. Um, usually, okay, so part of it is with his TBI. His sleep schedule is all funky wonky. TVI. That's the traumatic brain injury.

Yeah. So his sleep schedule sucks. I sleep on a relatively normal schedule. But let's go spend money we don't have. What the fuck? Sometimes. Keep going. Keep going.

He'll like go to clean the car for me or something. And then he'll find like a receipt or a rapper or. Or wait is what he does what he. He said, by the way, so that's not even true. Receeds from the bookstore. Rappers. Yeah. Pick the winner.

And these conversations, I will ask for the fourth time. How did these go? Usually, like, he'll come in and wake me up, and he'll be like, so, did you do something? You want to tell me about something? And then I'm just kind of batting at the bush as far as, like, She tries to dance around it like I don't know. Why? Most of the time when I clean the car,

it's because I've known for like three days and I can smell it. That's cute. That's funny? No. Yeah, destroy your lungs. Furn hilarious. That's wonderful.

Spend money you don't have. Well, you're nearly $60,000 in bad debt. What a wife. Okay. So she beats around the bush. How do you confront this? I really need to know how this is communicated, guys. And your inability to answer this question is fucking.

frustrating. I just try to get her to talk me through why she went out and did that and there's usually no answer. You don't answer? But this is an endless thing. And then he catches you constantly. And then you were hiding up behind his bag for some reason. So why aren't you answering?

Because I'm stressed. Stressed about what? Because you don't have money? Because you don't work. Because you don't have a job. And by the way, we know from a fact from the conversations you had with the producers, the amount of hours that you suggested you're putting in a door dash would which would make it seem like she's grinding,

is hyperinflated from the pre-conversations you had with the producers. Yeah, look good while you're on camera. You're wonderful. Do that. So, stressed about what? Lying about how many hours you work? I'd be stressed. Lying, stressful.

What are you stressed about? Lying about how much you're lying about? Maybe. Is that how stressed we are? Stressed about his health conditions, stressed about how much I can help around the house. And also actually provide. The house doing what?

What are you doing? Laundry, dishes, cooking. 560. Great. Yeah, horrible. And we have two cats and it's carpeted. No. Yes, if you can't afford them, if you can't afford them or you can't take care of them,

then it's irresponsible for you and selfish. I've had Roosevelt for 10 years and I've always made sure that he was taken care of. Okay, but if you're stressing about it and you're having to consume drugs in order to make it through, then no, I don't think you're able to handle having Roosevelt. I was consuming before I had Roosevelt. Roosevelt. You've been consuming for over 10 years? Yes. So you've been consuming since like 14? Yes. Oh, for f***ick. Private student loan debt can be overwhelming. If you're seeking a more affordable way forward, Y. Refi is here to help. Unlike traditional lenders, Y Refi is focusing

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Discover how their tailored approach can reduce your stress, lower your interest, and simply, simplify your repayment journey. Take the first step in making your private student loan debt more affordable. Go to YREFY-Y-F-Y dot com slash hammer. That's Y-ReFi.com slash hammer. Or call AAA-Refi-78. That is AAA-Refi-78 and see how they can help you move forward with confidence. A small town. Ladies and gentlemen, it's literally the person you hate at your office right in front of me. I get to experience today. Yeah, it was a small town and there was nothing to do really other than drink or smoke or do 18 plus related activities. Yeah, I guarantee you other people live there that weren't just destroying their life.

No, actually, most of them are. So you're addicted. I've quit before. Yet you have found your way back. Quit for three months. No, it was longer than not. Or maybe. You gave me a bullshit this last time and I know you're a little broken.

That's okay. Why are you with her? Because no offense. Oh, fuck. No, no, no. She's one of my least favorite people I've met in the three years of doing this show. I don't really care. I have to be candid.

You're very unpleasant. Okay. I knew you were going to say that. Well, no, it's not. And you knew I was going to say that because you know what you're with. Why the fuck are you with her? I like her. No, that's impossible.

That's impossible. Incorrect. Try again. It's the truth. I like her and I know it annoys other people. And that's fun? I take care of him where I can. You know, his head's hurting.

I bring him an ice pack and caffeine or give him a little bit of that gawk gawk to help him go to sleep. Huh? Oh, that's not funny. Everyone just vomited watching this show. Oh, ladies and gentlemen. Or some of them I relate. Oh, this is what he said in the pre-interview.

Quote, direct quote. I was interested in two things, alcohol and phty. And you had two, and you had one of them in regards to her. Disgusting! When are you starting your job? August 5th. What are you going to be making? What is the job?

It's just, literally I had like a 15-minute conversation with the hiring manager. Wow, this is a great answer to what is your job? Washington State minimum wage. I think it's 1666 an hour and I'm just a crew member. Crew member, there you go. Okay. Wow, that was difficult for you. Yes.

Okay, Washington Minimum State. Wonderful. Good. So how many hours a week are we going to be working? Starting is going to be part-time, but once all of the college students return, I'll be at full-time. So once more workers? No, no, no, no, no, once more customers. Oh, okay, okay. So part-time is what? Part-time is 25 to 30 hours a week. Okay, so she's, okay, Spokane. What is the job market like in Spokane? For people that, other people want to spend time around. Because, yeah, no offense.

I mean, can we be real world about this? I mean, we don't bullshit in the show. No, we don't bullshit. In an interview process, multiple round, who is hiring you? I've been with you for 30 minutes. I would never consider once in my life allowing you to be in this workplace. I've had a number of, like, good jobs that weren't McDonald's or fast food. Dude, you're 20-16, you've worked at McDonald's five times.

What are these good jobs you've had? I worked for Overstock.com in a call center. Okay. So I'm talking about getting on a career path. Oh, yeah. I want to go back to school. That's a career path? Okay, great.

And what are you going back to school for? Originally, I wanted to be an engineer. So I have a partial associates of science currently. Partial associates of science. So. I. You did not get an associate? Yes.

He has credits. You have some gen ads. I took him while I was in high school. school. It was called running start. Which means they're likely almost 10 years old, which means by the way, they might not transfer at that point. No, I checked. Okay. Yeah, you have like a couple years left so you better get there now. Yeah. That's why I'm here.

No, that's why I'm here. So I can get the finances so that I don't have to door dash as much and so I can actually plan when I'm going to go to school. Okay. That's why I'm here. Ladies and gentlemen, if you're not the most insufferable person I've ever met in my life, please go to Calebhammer.com slash apply and you can be on this show. Why the fuck am I here? Okay, so you guys should be managing your money. Then if we only have a very limited amount that comes in

and you're certainly aren't setting the thing aside for taxes, not that you have very much, but there are some self-employment things that happen. So we know what hits our account and you're starting in a few weeks. Another job that honestly is not going to bring in much more than that if we're being completely honest. But $4,000 is what we're walking away with right now. before any tax is necessary. Good. How much did we spend last month?

Maybe $4,000. Okay. Yeah. So that's what we bring in. So break even. Yeah, something near that. I'd say maybe over by $500. Why would you allow over by $500 if you're the financial responsible person who does revenge spending, which doesn't even make sense

as the financial responsible person, but sure. I'm not there with her 24-7. Yep. Why would you allow? Why would you, stay with someone like that? Why would you, as you budget, not cut back your own spending if she's overspending by $500? I have severely cut back. He's severely cut back, he says. But your revenge spending, what the fuck are we talking about? I'm getting very conflicting reports here. Hers probably adds up to like 150 bucks every month. $150 of fun spending, that's it? Of just the... And then the stuff that I do in return is like maybe 50, 60.

Then why the fuck are we spending $7,184 to $98. What? Really? Yes. How much actually came in? We talked about that we already know the answer. Wait. Okay, you talk because I enjoyed conversating with you more.

I just don't know. That just doesn't match what I've seen, the numbers I've seen. What numbers do you see? What does your guys the financial discipline look like? budgets and whatnot. What are the numbers are you seeing? You ought to be an accountant, right? What numbers are you looking at?

Yeah, the numbers that I see are closer to maybe five going out. Oh, fuck. Oh, going out. Listen, when I read the debt number, that was bad debt alone. There is a whole other category for low, no interest debt, which is an additional nearly $6,000. So you guys are actually over $60,000 of debt. What the fuck are we doing?

and then blowing 2,000 more than comes in. What the fuck are we doing, guys? What a joke. I'm going to go three, two, one, go, on go, your favorite part. I want you to give me what you think your household score is. Zero and ten, zero being the worst, ten being the best, okay? Same time. Three, two, one, two.

Zero. Okay. If you guys want your financial score, go to Calebheimer.com or click that link in the description below, take the assessment. It is free, or dollarwise.com as well. It is free, and I'll give you your score. And if you don't want to end up a guest on this show, make sure you're downloading the Dollar Wise budgeting app

and signed up for your free trial. And that's signed for the annual version if you want to save a lot of money and also get a signed version of our budget-friendly cookbook that I'll mail directly to you. Join Dollar-Wise Central, our all-on-one program to get all of our educational tools and premium version of the budgeting app

for 80% off DollarWise.com. Let's get into these documents. How are we doing, ladies and gentlemen? How are we holding up? A little bit of a question about how you got the $7,000 number. It's a great question. Let's go through these documents, perhaps. Yeah, okay. I'll hold it on to it until we get to that statement. The one that I think it might be fully.

She's cooled off from the beginning, by the way. I do appreciate that. Ladies and gentlemen, what you probably didn't see is we cut a lot of her being annoying at the beginning because we don't want you to click off of this video. And usually we don't cut things, but it is important that you watch. What do you do, Mark? I'm unemployed. Okay, he can't work, and you guys are starving and drowning in debt, and we're laughing about, Got it. Oh, we're still laughing about it.

Oh, there it is. We're still... Oh, I felt that. Okay. Sorry, I didn't mean to spray. What did you attach yourself to hear? Plot. Huh? I was making a reference to how an anime they called... Oh, my... I do not like her. I'm sorry, Guy.

You've... This personality that you've married is... Talking to one of my friends that I had previously played video games and been in a Discord friend group with and also played D&D. with and um yeah he he's a disabled veteran um and an engineer and made plenty of money so he was like hey do you want to come live with me for a little while maybe see how the east coast is uh get yourself on the east coast yeah i was i was for already huh you said you were in boston said you were in boston said you were in boston i moved from west washington to boston so this was the move then Yes. Okay.

Yeah, Southwest Washington to Boston. So your kink is disabled. That's, by the way. Just want to call that out. Go ahead and keep going. Yeah, this is number three. She compares me to her dad. Number three.

She only faked people. You're hurting here. The four-year-long relationship. He wasn't disabled. I'm sure he is after being four years with you. Yeah, so I kind of... Okay, so you moved to Boston. Dramatic experience.

Our quarter-life crisis is that Abel mom says. Keep going. I mean, I got like a full Brazilian on that card. I got a massage on that card. I spent crap at Marshall's. T.J. Why have you made us think about your vagina twice in this episode? Like, can you, can, listen, you're not Sydney, Sweden for fucking.

I have had people ask me if I had an O.F. No. No. I don't. For the record. Thank you. I. Go on.

Yeah. Um, yeah. Basically, I just kind of. What's the courterlife crisis? I reached four years with that guy and I realized he wasn't going to. to marry me? The Discord mod? No, no, no, no. Ladies and gentlemen, a financial audit. This is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools or budgeting app, all this crazy stuff over this past year, because that is

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No, not the Discord march. Oh, you're the worst storyteller that's ever existed. He would agree with you. Okay. Everyone would agree with me. Literally hundreds of thousands of not millions are agreeing with me right now. Four year long relationship. Got that part.

He was attached to Mommy's Titty. So were you. No, I wasn't. Yes, you are. You are enabled by Mommy and Daddy yourself. confessed spoiled and now she's calling you a quarter-life crisis, allowing you and enabling you to f-around your entire life, you've never contributed to society in any effective way whatsoever, and you should be taken care of someone who, unfortunately, has a brain injury, yet you won't,

and you consider bringing him an ice pack and giving some glucky-glucky being taken care of. That is not funny. You are a joke and you are not a good partner. So I don't want to f-f-fucking hear a quarter-life crisis. Fuck you, your entire life is a crisis. Yes. Great. $3,087.58 cents is.

Odon here. Minimum monthly payment of $107. Yeah, when you basically make zero, that is substantial. Mm-hmm. Mm-hmm. How long does this take to pay off? Minimony payments only without doing any purchases, and I'm sure you need to get waxed for him unpleasantly.

Um, I'm sorry. Um, actually no. He waxes my upper lib. Because I grow a mustache faster than he does. Not surprised. Again. Um, but yeah, no, um, I don't know, six years, seven years. 25. Okay, 17.

She just came. No. Yeah. Okay. So basically I maxed that card out while I was beginning and during and after the Massachusetts trip. Mm-hmm. Yeah. Okay.

Wonderful. That was kind of just my swiper tap. Yeah. Keep going. Swipe tap. Yeah, that's okay. That you swiped and tap. What's not okay is you've had a late fee this year so far you dumped it.

Why are we not paying a card on time? even if you're not purchasing on it now, a previous waxing does not constitute not fucking paying. Why is there a late fee? Because I need to pay the electric bill before I pay my credit card.

They're not to go get a fucking job. They won't hire me. No shit. Why would they? Because I'm nice. How are you guys going to survive? How are you guys making it into your 40s financially? How can we?

She's incapable to hold down a job. She quit McDonald's five times. No one's going to fucking hire, no surprise. And then you, you can't work. And I, that's fine. It happens. You fell. Wish it was work related.

But okay, listen, make it. You're making me lose hope before we've even hit 40 minutes, unfortunately. Meaning I have a long way to go. But sake, how can you guys make it into your 40s financially? I wasn't this bad before. I wasn't this bad before the quarter life crisis. When did you start spending on this two years? ago. What the fuck you had a mispayment this year? Wasn't this bad? You've been horrible for two years.

What the fuck are you possibly trying to suggest? That I can... You just cried about paying electricity and you've quit like 50,000 jobs. No, no, no, no. I prioritized paying the electricity. How long did you do call center? How long did you do call center? Okay. Why the f-arent you doing call center? Because none of the ones I've applied to have called me back. No, that job still. Oh, that job still? Not the four-year-long relationship, but a different ex-boyfriend was also working there. No, no, no, no, no, no. He wasn't a vet. His brother was. Um, well, you know, she crossed the fucking family line. No, he tried to. He looked at my butt, but I never, I don't know. You looked at your butt.

I look at everyone's butt. He looked at my butt when I thought he wasn't home and I walked to the bathroom in, like, just a t-shirt. And then he confessed about it to my mom because he was working in the same call for my mom. Everyone looks at everyone's butt. He confessed it to my mom, though. Do we not all look at everyone's butt? Yeah, everyone does. Who the fuck does? Do you walk around? You're just looking at everyone's mom, though? I'll confess it to your mom right now.

I look at everyone's butt. I'm going to actively not look at your butt. I'm going to honestly say that because I know what your existence is and then it's ruined it. And it's not even a sexual thing. Everyone just looks at everyone's butt. It's a butt. Okay, whatever. I don't care.

Okay, so he tried to fuck you apparently. Yeah, and the ex-boyfriend, he always slept in and I didn't have a car of my own yet. Also, I think that's a fucking, a weird sleeping habit exes. Listen, I'm confused. She's prioritizing the luxury bill so she didn't make her $30 or $100 minimum payment. Of course, yeah. A thousand $751 going out to eat, by the way, which is a quarter percent, which was a quarter of our spending, which was already $2,000 over what comes in. Fuck off. Just fuck off prioritizing our electricity. What are you talking about?

You're prioritizing throwing food down your throat. You spent more going out to eat than you made delicious. I don't want to fucking hear it. What a joke. You spent more than half of what comes in for the entire household. You spent what comes in just from his disability alone going out to eat nearly. Come the f on. Don't fuck with me. Don't fuck with me. I don't want to fucking hear it. Sometimes what. Yeah, let's hear this. We do the fast food because I'm so exhausted by the time I'm done with stuff. For working, let's be honest, 30 hours a week, if we're being real. And what's about to be 25 with McDonald's? I don't want to fucking hear it.

At least you get a free meal after you work two hours of McDonald's, right? So we got that going for us. But yeah, with him not being able to stand to make him stuff. Sometimes when I'm out, well, he, okay, so he can't meal prep. We have a very tiny freezer. Because he can't stand, you cannot meal prep. Our freezer is literally smaller than your aquarium. Okay, okay, that's weird.

Get a fucking mini freezer. Amazon like a few hundred bucks. Oh, I just solved all your problems and I thought for a half a second. With what money? The $1,700 you spend going out to eat on a monthly basis. F you. You're not, maybe you are. I don't know.

But how can you not? Huh? I said that's debatable. Okay. And honestly, again, not surprise. So, okay, you guys categorize a DoorDash as essential in your budget? You told the producers? Wait, did we?

Yes. Or else they would not tell me. You told them that. I can excuse him for memory issues. I don't know. I was in a car accident. I think I had a concussion. There it is.

Things are lining up, ladies and gentlemen. I crashed my first car. It was a Mazda 3 that my granny bought for me by taking out of that $40,000 life insurance policy that I'm inheriting. Quiet. You can get a small freezer. Even a fucking cooler at that point. Guys, come on.

You can meal prep a couple days in advance to give things in the refrigerator as well. I'm not talking about meal prepping a month in advance. I know you have the time. I know you have the ability. Stop making excuses. This is the dumbest fucking thing I've ever heard in the last 30 minutes. Well. Okay.

Yeah. So late fee, $523 of interest is here so far. Nearly a 30% credit card. She says she can't meal prep because her schedule is all over the place. The schedule that you're choosing, you're choosing your own. hours. What is wrong with her? It's not that I'm choosing. It's that I need to go out in DoorDash to make the money. And so I wake up. I see DoorDash is busy. Why have you quit McDonald's four times in a room? Um, one of them, it was, I was a manager in training. And somebody who was also a

manager in training was given actual manager shifts. And she was a self-admitted recovering junkie. Still probably a better person than you. I don't know. I was there for five hours without a break and she was there for an hour and went and took her lunch break with her little boyfriend. That's also a drug addict. Okay.

So why did you quit? I quit because... And that did not happen four times. No, it didn't happen four times. But that one time it happened. So there's three other times that don't involve him. I would think... Yeah, yeah.

There's three other times. Okay, so the one other time, it was while I was still in high school and I quit so I could prioritize school. That's fine. Two more to go. Two more to go. Wait a minute. Oh, okay. So this is technically my fifth McDonald's, but only fourth time being employed. So one of the times I was employed, I worked at two different stores. What was the other quit? The other quit was the same as the first McDonald's. So my very first job was McDonald's. That's in high school. Same McDonald's, June of 2023. I was working there for maybe a month and...

I would love to know why you quit, because that was the question that I asked. Oh, because that was the start of my quarter life crisis. I quit like maybe a week before I broke up at that market. You were being a dumb fuck. Okay, great. Gotcha. And why are you no longer working at the call center? That was because you had to move? Um, it was because I accrued enough, uh, like late strikes because the ex-boyfriend

refused to get up early enough. Why the fuck does that matter him getting up? Because I couldn't drive alone. You couldn't Uber? No, it was an hour commute. That doesn't hurt your credit. It rewires your life. The calls, the late fees, the limits on where you can live, what you can drive, how you feed your family, it adds up fast.

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Okay. You couldn't drive? If I drove and took his car, I don't know how he would have reacted. Is he a woman beat her? Did you? can leave him? Yeah, I didn't end up leaving him. There you go. Okay, so you got fired for now showing up to work. Oh, he just yelled. So he'd never hit you.

No, he never hit me. Okay. Okay. Sake. Guys, this is, what a fuck the mess. Okay, Cabellas, we have a Capalas card. Who's what, when, why?

That's mine. Yes. What's going on? The financially sound one with a $6,000 car card. I got that when I actually had a decently paying job.

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Exclusion supplies to home depot.com slash price match for details. No, it's a pistol, not a... Pistols kill. I don't know if you know this. Yeah, but most of the school shooting... Hey, how about you're talking to the mic? You're on a podcast. Most of the school shootings. things happen with like guns.

Shut the fuck up. Go on. Keep going. I got offered a bunch of extra like bonus money stuff, the points and stuff for signing up on that day because they had a special deal going on. How much bonus monies? It was like a total of like $200. Right. You just lost $100 in interest this month alone. So you got $6,000 hours in pistols? No. That was like the first like $100 on there.

So why the fuck? Okay. Because I lost the job that I had a couple days after that, I ended up quitting that job. Why? What was the job? It was a construction job and they were trying to make me go into a termite-infested attic where it was crumbling underneath me. Literally the day after that. And so I quit. For some reason, I don't fully trust your side of the story.

But either way, okay, you quit. He didn't weigh that much back then either. So it's not. How does that feel? That must be good. I don't know. Okay, great. Yeah.

What a... You got a star guy. You got a fucking star of a wife. Best wife I've ever seen a guy. Buddy, listen. Yeah. I care a lot. Uh-huh.

Uh-huh. How the fuck did you guys meet? Bumble. Shut that shit down. I was working at the dining center at the college and I asked them my... Oh, and other jobs. She's quit. Guys, she's only had about...

50 jobs in her 8 years of adulthood No, I've been working since I was 6 Oh yeah, that is 8 years No, that's longer No I'm sorry, I don't do math well 10 to 16

16 to 16 to 16 Yeah, okay 10 years I've been working since I was 16 Oh my fuck guys Um Yeah I I

I uh Today junior Um I quit that job because they put me at a different dining facility that was on Greek Row where I would have had to pay an additional like 150 bucks a month for parking.

I'm talking about his credit card. I don't give a fuck about whatever you're talking about. I didn't even listen to you. I'm tuning you out at this point. Okay, so you quit a job. Why don't you then go get another job or at least wait for a job to be lined up or at least have an emergency fund

before you blew everything on a Cabela's card? I was in a relationship with somebody else at the time and they were very, needy. They needed things all the time. Materialistic. Okay, and you say no, or you say goodbye?

Or spend your own money because you have a job too? Who the fuck are you talking about? You're the one that goes, blows off the money and drug addict. Shut the fuck up. What the fuck high horse is she on? At least I paid for my own apartment application.

Oh, just quiet, quiet. I don't want to hear you. I just like doing things. I like providing and was trying to do it. everything. Well, no offense. You do not provide now, but you do have kind of a reason for it. Okay. All. Pay off your home. Travel for life. Drive a Ferrari. In celebration of the world premiere of the Monopoly Big Board Buckslot machine by Aristocrat

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Hasbro is not a sponsor of this promotion. Yeah, it sounds like I'm getting in a collective thought from the room that you guys just can't be single. Because it's pretty much dangerous. I don't remember the last time I was single for more than like two months. Uh-huh. Which is why you guys got married in like just a few months. It was a whole month longer than my parents met together. Yes.

Different time. Different time. Yeah. Okay. All right. Cabell is minimum fee payment $159. $40.000 of purchases. Why are we purchasing on a car that is a green interest that we cannot pay off that is also making minimum month month. Minimum monthly payments go higher. Oh, actually, you have been engaged before.

So. Oh, good. And that engagement ring was hers. No, no, no. This is actually my granny's wedding band. Okay. But the engagement ring he gave you was hers. technically the one he proposed with wasn't

that was a thrift shop ring that we got and what am I being told the engagement ring was technically a copy of that one okay the engagement ring was my grandma's so you've been engaged before yes right you're 24

23 oh good he was 21 when he got engaged the first time yeah then two years later he did it again over under on this marriage lasting curious okay

So why the fuck are you spending on this credit card guy? That's the reactive spending. Yeah, that's where he puts his retaliatory spending. Is whenever there's a... Okay, why are you retaliating? I was not talking to you. Because she has a mental breakdown if I try and talk to her about it. Well, that's one of the least surprising things I've ever heard.

Do you seem like someone that has a mental breakdown if someone looks at your butt? Yeah, kind of. Okay. So she has a mental breakdown if someone snaps her fingers or does anything. she's afraid of that last guy yelling. I'm guessing now knowing how she probably oversensationalizes everything and tries to put herself on a moral high horse

when it comes to your other ex even though she does basically the same exact thing. The dude probably said, hey, can you please not take my car without me knowing? And that was abuse to her. Okay. She tells me that I don't yell enough. We came down to her

because she wanted somebody to yell at her. But why are you retaliating spending, though? Because she blows up. So what's this mental break? down. That happens every time. She ends up on the floor crying, basically. Because I feel like a fuck.

You are. Good. Recognize it. Change it. You should feel that. Put in any kind of action. Use a fucking budgeting map. This is not complicated stuff. And obviously, I'm going to create a budget and tell you what you're doing wrong. That is the point of the show.

But to suggest you couldn't have downloaded a budget app what the fuck are you talking about? How? How? How? How? You don't see. spend how? It's not the how do I fix the spending it's the how do I fix me go to a therapist dude I actually have an appointment tomorrow okay good thank you took three months of convincing you were trying to convince mm-hmm I've done therapy before and it didn't work no no no no it was

either the therapist itself wasn't a good match for you or you were honestly not showing up to be real let's be let's be honest look how you've shown up to this conversation Again, I think a lot of it was cut because you're just fucking literally one of the most insane people I've ever met. Okay, so this card is maxed out. That's great. Started over maxed out. That's actually even better. Wonderful.

Oh, yep. It's screw dumb, screw dumb, screw dumb, screw dumb, screw dumb, screw dumb, whatever the f-tap to pay mobile game that bullshit is. The fucking even is. What are you buying? It's just a Google app. Yeah, I know. What are you buying? It's just bonuses in the game.

Why? Or going ad-free. That's his favorite thing to do. Is that not just one time to go ad free? That one was one time, but different months, there's different games. One, two, three, four, five. Yeah, the $10 one or whatever that's on there was that. So you've had a new game and then you just go crazy?

It's just when it comes up, I don't know. So you guys is living situations in a smaller apartment, good. You can't afford much more. What's your rent? Because I don't know how the fuck you're paying any of this. It's $9.50 a month, water, sewer, garbage included. Good. and you're going to stay there as long as you can.

And internet. You're going to stay there as long as you can. Right now our lease is set to end in April of 2026. You're going to renew it. We're trying to leave to make sure they keep it down, right? Given that it's a college area, they have enough turnover that they don't give a shit if you threatened to leave. In fact, if we even missed our electric bill that I said I prioritize paying,

that counts as a lease break, and how much of a fee is that? It's a lease break fee in right now with the term that we're at. be like $9,000. No one ever suggested, you dumb tit, not paying your electricity bill. You pay $1,700 on going out to eat. Shut the fuck up. What the fucking out of bullshit is that? The amount of turnover they have, we have to renew three months ahead of time.

Okay. Okay, sounds like, yeah, Bullis, definitely try to keep it under $1,000 or we're looking around, for sure. Well, can I say we actually do want to move out of that apartment at the end of the lease? You can. Is it going to be under $1,000 this next place? If we move down to Texas, it will. Please don't. I don't know where.

Hand handle, please. Thank fuck. Okay. God, I don't want to live in Austin. Yeah. Keep Austin weird. It's like Portland. Girl, you're literally one of the weirdest people I've ever met in my entire life.

I don't have blue hair or septum piercing. So I don't know that you can actually. Girl, you're fucking there anymore. Yeah. 2020 was a different time. That doesn't count. It was. It really was.

glad we've corrected her where we were but either way okay oh god you've had a late fee this year so far you guys are perfect for each other yes that's why we got married so quickly can we kiss on camera is that allowed just a little quick little pick just a little pick

no no no shut the fuck up you're so annoying it is not cute it's not funny you're not pleasant and I'm doing everything in my power to hold it together for the next 35 minutes so I can get the fuck away from here. Yeah.

A ton of interest. Nearly $70, or $700 this year so far. And interest accrued. And this is a less interest rate at 20%. Okay, Alta. Not really putting it to you, so I'll be honest. Or is this not working. But I'm guessing that to you.

I didn't, uh, we woke up late, so I didn't do as much. Okay, so it's hers. Great. Why would he have an alter card? Maybe you're just a draws for you. He doesn't like going in the restaurant. to figure out an answer within a half a second of thinking. The stores are too smelly for him.

Okay. But yeah, I've had that one since like 2020. Wait, no. What's the balance? What's the balance now? It's actually gone up. What is it now? That is that cute.

You're in your life. It's like three. His life. 50? Give her 10. Great. Wonderful. It's a minimum monthly payment.

Futs sake. $30. Joke. For what? What? What? You said 350 now? Yes.

I got like exfoliating stuff and shaving cream and... Yeah, for that stash. I know. And the legs. Okay. He calls me Sasquatch. Stop! Stop!

I'm from the Sasquatch State. When someone asked you if you had an O-F, they were being dared to. I promise you. No, they were like... No. No. I don't know. No.

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Who? Weird college kids. Go to school with or weird college kids, weird discord guy. Discord, I can see that. Permanent Redder's, sure. Yeah. It's the closest they'll get. And have you seen the women that use Reddit?

Yeah. Okay, so what is this? It's a 30% interest. You get an interest charged like crazy, of course. Great. It's Comedity. Of course it's a lot of interest. And we're just making the balance go higher

instead of trying to improve our life in any way whatsoever. But I needed that stuff. No, you actually did not. You, what? I got sunscreen for the trip. Exfoliating. No. No. You get little like bumpies and ingrown hairs and stuff.

No, you do. And there are a lot. What was it that I have? I have like multiple hairs that grow out of a single board. Go get a prescription. I have health insurance cover and you can use an HSA if McDonald's offers that. That's probably worse than state insurance if I'm being real. Which is what I want right now.

No, an HSA. That's not health insurance. No, I'm talking about like what McDonald's insurance if they have insurance. I didn't talk about insurance. I thought you said you have insurance pay for it. You said something about insurance and HSA. HSA. I don't know what that is.

Well, maybe insurance. Maybe insurance. Okay, stop, stop, stop. No, that is not this conversation. Maybe I did say that. Okay, USAA. Okay. A big old military guy.

That's right. Okay, we got a balance of, oh, 500. The financial sane one reminder is how this conversation was framed. Wonderful. It's gone on from 500. $5? Why? Oh, fees and interest. What the f*** is wrong with you? What is going on, Guy? I know. You might not be able to say it, but you can sit at a computer and look at your statement. So what the fuck is going on? I just, I can't do anything. It's...

Well, that's clear as day. But you can look at a statement. What do you mean you can't do anything? What are you talking about? Can't do anything. She goes out to make the money to make up for it. What? You bring in more money than her with disability. I pay what I can right at the beginning and then that's it. Why were you? Why are you? Why is there a late fee? Buddy, for a literal $15 minimum fee,

a 31 now. Why were you late on that? I know for a fact you could put that in. That was like a day late because I just missed it. A day is a day. Why is it late? Why is it not on an auto pay? I swear, that's the f-

Oh, it's like acid to people on this show. We have justifiable reasons to not have it on-office. Oh, sure. Let's hear from you. One of the most reasons. people I've ever met. So our explorers on our car's on auto pay. And the Avista bill's

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Why are you guys moving to Texas? What is your opportunity here? Everything's cheaper. Yeah, if you work, you can't and you don't. I want to. Right. Says the 50 jobs and 10 years, girl. Yes.

So what the fuck is your-where are you moving to? We don't have an exact location in mind yet. You have an exact? When's your least done? April of 26. Okay. Okay. And what are you planning to do here?

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Leave her. I'm sorry. You are going to be held back your entire life. Listen, I goon and I joke around. I like we like to, you know, like couples and it's fun to see the drama and all that. And, you know, the drama's real and we see it. And it's interesting. You need to leave her. When you need to build up your team to handle the growing chaos at work,

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This is a job for Indeed-sponsored jobs. You need to leave her. I ask him why he hasn't. You need to leave her. And that's a great question. And what's your answer? Are desperate? No.

No, I think this has to be some kind of desperation. Something's going on. She's one of my least favorite people I've ever met filming on this show. You need to leave her, buddy. Listen, you got some f*** up flaws. That is for sure financially. But a sloppy top once a night ain't it. That is not a reason to keep someone around.

You rushed into this marriage. You made a mistake. She is a mess. It's not as big of a mess. things I've dealt with before. Actually, the reason I'm a fan of this show... Yeah, let's hear from you again. Because it makes me feel a little bit better about our finances.

Well, now everyone feels better because you're the worst person I've ever met, and I do not know how much is cut in order to make sure people did not click off at the beginning. Because, fuck's sake. Well, I hope they're at least entertained. No, and that's why they would click off, which is why we cut that part of you being literally insane. I'll get you guys set up on the Fizz card. Democrat card that builds credit or at least provide resources. I just, big guy.

You can do a lot better. I don't know what Spokane's like, but I'm sorry. And I kind of want to say sorry to you, except I just, I'm not sorry. It's okay. Nobody's ever been sorry to me before. Okay, don't try to make it a little victim thing. Look how you go around in this world. I guarantee you, the vast majority that you have dealt with has been on you.

based on how you are doing things. Even when my own cousin bullied me from elementary through high school? It's not a... It's not about that. And honestly, I don't see how that impacts you being one of the most annoying people I've ever met and leaving every job you've ever had.

I'm talking about that kind of shit. You live with your cousin? No. Okay, then I don't give a fuck. I'm sorry. You're over the credit limit. You're late. It takes five years to pay off.

$31 minimum payment. Everyone had bullies. I sympathize with it, but to say that's why you can't hold down a job, and that's why you're insufferable in this conversation? No. Come on. We're not going to, we're not going to bullshit. I wouldn't use it as a reason I can't.

Stop. $72 of interest is here so far, $30, of course, for fees. Quick's over. That one's mine. What's going on with it? It's probably my oldest credit card. I don't have a special little place in my heart. Hartford or anything like that.

It's just been maxed out for a while. How did it get maxed out? Quarter life crisis. I'm going to throw that out quite a bit. But it's moronic and it's dumb and it's stupid and it's an excuse and it's a cope. What are we doing? That will never get you anywhere, dude.

Someone who's able to make an excuse for everything, you're never going to get anywhere. You can't even communicate with her. You told me, You cannot communicate with her because she just breaks the fuck down. No shit. And then she's going to say you bullied her because you brought up, oh, she spent a little bit of money.

And that's you're abusive probably because you brought up to the fact that, hey, you spent a little bit of money. No. Yes. I don't think he's abusive. I know how people like you work. You're right. I'm saying if he did bring that up.

And you guys broke up, you would claim him as an abusive acts. I know you. You're fucking TikTok incarnated. Actually, I didn't download TikTok until after he made me. You're all the worst parts of our society. $144,000, $1.74. $8.82 is your balance? Yeah, maxed out.

How long has it been maxed out? Probably at least since I got back from Massachusetts in January of 2024. Okay, thank you. The whole run-up and everything. Could have just said when. But why? To answer the question. Okay.

What made it maxed out? Over maxed out. And why have we made no progress on getting an under-max-out? What made it over maxed out? I think we had to put gas on it or something that month. Did we have any purchases? What were you spending on that previously? This can't all be gas.

Oh, no. Again, just like the Saver won while I was in Massachusetts and coming back from Massachusetts, quarter life crisis, that was just swipe, tap, swipe, tap. Chick-fil-A, Marshalls, T.J. Max. Hold on. I need a little support because I know I don't necessarily, because if we do cut some things in this episode, ladies and gentlemen,

I know I kind of look like a dick because you guys didn't say everything. So I need confirmation. I need confirmation. I have four people watching this, four producers and one guy in sales. Brandon, am I just cranky or am I absolutely justified in how I feel towards her? Respectfully, you're the most insufferable person I've ever heard. Jordan. One of the nicest people that works here, by the way, Jordan.

Unfortunately justified. Weston, also a sweet soul. I'm monitoring audio and my ears are bleeding. Lindsay, the one who is casted. No comment. No comment. She's too nice. Okay.

Which also means confirmed. So here's the reality, because I know I probably don't look great here, and that's bad for brands, but I honestly don't give up because I'm willing to just be open and honest about everything and just I'm just, I'm being myself. If I don't like someone, I don't like someone. If I like someone, I don't like someone. I wouldn't ask you to be any other way. I'm talking. She thinks it's a presidential debate. I needed to frame that just in case we cut some of the more obnoxious moments of the video.

beginning that oh my fuck this is miserable okay let's get back to it quick silver four thousand one hundred is how many more i actually just recently had to contact them and say that i wasn't able to make my monthly payment and so why you spend a thousand for seven hundred hey capital one if you're seeing this she spent a seven a thousand seven hundred dollars going out to you last month she could have paid this capital one sue her ass into the ground fix her make her learn Quarter life crisis, let's face a real crisis. Don't. Why couldn't you pay your payment?

$144. If I'm honest, I don't have a good reason why. I don't know. What did you tell them? What did you tell them? I told them that we are facing some financial hardship related to my husband's disability service. Leach.

You're going to be the one who spends all their money in their entire life has nothing to retire. security, who knows what the fuck that looks like. And you're going to be working. Then you're going to be on the news. There's going to be a sob story about an 85-year-old woman, you working at Walmart, not able to pay the bills. And it's going to be sad because you're old when we actually know throughout your entire

life. You just f*** around, spent on your money while the rest of us sacrifice. And then I'm going to have to pay more taxes to support you who did nothing but just have fun their entire life. Moronic. Yeah. $102 this interest this month so far, $608 this year so far. What are you possibly going to say?

Well, I paid those down at one point. during the quarter life crisis. Okay. I took out of an investment account that I had. Great. Wonderful. How much was in it? Somewhere between 3,000 and 5,000. And we will all be supporting her with higher taxes by the time our generation is older. You're welcome. Thanks for your service.

Some of that was a stem-y check too. Stimmy check that I had held on for like four or five years. Was it like $2,500? There was like three different stemmy checks, I think, at least. least for Washington. I think it was a total of $3,600. I think I skimmed the $300 or $600 or whatever off the top. And then I threw that $3,000 into like a high-yield savings or whatever.

What a productive society we live in? Okay. Another almost max out card with spending happening. It's called the Freedom Card. Whose is it? Mine. Okay. You're spending on it.

Why? It takes over a year to pay off without purchasing. But you can't help but purchase. Minimuth to payment $40. Purchase 62. Balance went up. It is now maxed out. The fuck is going on.

Yeah, $62. What you purchased? By the way, that was $453 in 26 cents. It's a year right now because it has no interest. Her gas was going into McDonald's and purchasing things. Oh. Also. I couldn't remember.

Pay range mobile, which is a for laundry. That's our laundry. Okay, that's fine. Because we don't have washed. Oh, we've had a lay fee this year so far. Who would have thought? Well, actually, I would have. so what. Walmart, who even knows?

I doubt it's groceries knowing how much you guys go out to eat. Actually, whenever we do buy meat, we buy the clearance steaks and stuff from Walmart. Whatever, we see the yellow tag on like a new food a year. Laundry, obviously, that's fine. McDonald's, what the fuck? You should be taking money from them. Not giving them.

27% interest. Oh good, more pass. Shut up. Pass due on this next one. one. What's LCCU? Local credit union. Yeah, who's though? Technically joint. Okay. It's joint, but it's in my name.

Okay. Okay. LCCU. Pass to a month, $55, so that's the normal minimum, but obviously you owe double that now. New balance, $325,013. Is that a 10%? I mean, not the worst. And they don't charge fees or anything, so. No, but that can't hit your credit. you leave it too long. I've always gotten them before the credit hit, so.

You better until you don't is the thing. Because look how far behind you guys are. We've already taken care of that late payment, but that doesn't matter. What are we doing here? What have you spent on here? That one was a personal loan. This is a personal loan? Yeah.

$500 for Christmas. For gifts? Guys, oh, you're just, oh, you're doing everything. You can think of something that exists. in this world, you are doing everything the wrong way. What? I haven't taken out any payday loans or affirmed or clarinet anything. I stopped using my after pay after I realized I wasn't being good about it.

Okay. What is this? What is the $9,829? Oh, that's the camper. Camper? Yes. And whose name? Camper for what?

Probably to camp in. but what the fuck why? Whose name? Your name? Probably. What the fuck are you doing? You can't even stand up. You're going to do a camper?

The job that I had last year, I was actually living out of it. Maybe you should still. You guys both. That's the plan after the lease goes off. In Texas, you're going to live up. Hey, talking to the mic. So after the lease is over, we're considering staying in an Idaho. Why didn't you do in the first place?

Why didn't you do in the first place? Oh, okay, great. Why you should do this in the first place? Because I already had the apartment when we met. So you had this on your own? You had this apartment on your own. Oh, what a creature. Oh, you would have been sold.

I was making over $3,000 a month at that time. Camper's a 10%. Yeah, and then you quit like you did every job. 9%. Sorry. Oh, okay. Minimuthy payment is... 217.

217. Great. More stacking. What's this camper worth? Uh, took out a 10,000 hour alone to buy this from a friend alone. Oh. It was from a friend. Yeah.

You don't even know what the value of this was. No, it, at the time, uh, was worth 16. Someone show me pictures right now. Show me interior pictures and exterior pictures immediately right the, now. Make sure you send them to, well, for, I put your phone away. Let me see if I have any. Your photo album probably terrifies me. It needs a bunch of shit fixed now.

Oh, no, who, no, surprise. Shock! Camper, come on. Can you even use it, or is it repairs needed to even use it? There's a window busted out. Oh, for fucking sake. What are we doing? And insurance already paid out to get that repaired?

And you use that for... Bills? No, McDonald's probably. honestly. What can I say? I like sweet tea. It's worth, well, in its current condition, probably about seven, I think. And okay condition is worth about 10, but I mean, you got things.

You also need to replace, okay, I have a list. Heating ducks, broken cabin in the bedroom, broken bench and the dinette. Trim fridge is broken. Valve and the toilet is broken. Shower base is missing cover for access underneath. Rear window needs to replace. Missing blinds, missing screen door, water heater needs to replace. This thing's probably worth like $5,000.

Oh, what? How much of this was broken when you got it? The blinds are because of our Great Pyrenees. Uh-huh. Yeah, they're crazy. I have one. Yeah. You have a dog?

It lives with the mother-in-law. Thanks. The shower basin and the toilet were broken already. What are you doing, dude? What are you fucking doing? What a joke the way you got. I don't f-this is good. Good luck.

Thanks. This is really all you're probably going to get. No offense. STCU. Spokane Teachers Credit. Who's a teacher? It's just a bank. Okay, well, this is at 8%.

What is? What is? It's the Explorer. Oh, I don't know that it's interest starts this year. Thank. Oh, what's the minimum monthly payment? $3.98 and cents.

Okay, I'll say $3.98. Oh, balance is $23,465.85. and $88. Oh. That's an insane balance for you guys' situation. We traded in my Toyota Corolla that was almost paid off in order to get it. It was originally like, what, 35? I've never been more proud.

You're an incredible person. Is that what you want? I don't know. We needed it for safety. I need the worth of the car. We're still on the camera. in the dock. No.

The camper has sentimental value. That's where he proposed to me. I'm talking about the document that is pulled up in our notes that we are communicating back and forth as the camper. Thank you for constantly trying to participate in this conversation beyond what you're necessary for. I thought you said sell the camera. You're negative $11,465 in equity. But I'm going to drive that thing until the wheels fall off. Well, you better because you owe an infinite amount of money for you guys on it.

And the minimum fee payment, good fuck! Good fuck of Ford in it! That's one of the ones that's on autopay at the first month. Driving into the ground, I'm going to drive into the ground immediately because we're door dashing. LCCC-C-U loan. Again, what is this? This is another $9,000 loan for what? That's the other car.

What's the other car? That's a 2012 escape. Oh. That we don't even drive. Why? My cousin leases. Can you drive? Sometimes.

How do you know if you can or not? Based on what my head feels like. Yeah, but what if you get stuck in a situation where you've been driving that all of a sudden in your head? He doesn't go anywhere by himself. Yeah. She's with me all the time. So that was the question. Basically.

Well, it's at 8.5% interest rate. Minimum fee payment is what? 222. Yeah, it is. My cousin pays me $300 a month. Great. It's worth $4,300. Dramatically underwater, as usual.

He originally got that loan with the X that he was engaged to. Great, and hopefully you'll be an X soon enough. I don't think his uncle can help him refinance the Explorer, though. I don't give a fuck. Go bankrupt and bankrupt your relationship as well. Get a fresh restart, dude. Buddy, I'm cheering for you. You, I don't know.

I hope you do well because you're a human on this planet, but for for sake, I don't know. I don't know. Dude, I don't know. Okay, personal debts. personal debts? $500 to your family for what? For what?

There was one month we couldn't pay the insurance why you spend $7,900 going out to eat? Why? Exactly. Sake bar from the family? What's your minimum towards them?

I pay them back by, you know, working around the house. Working around the house you can't stand up. He can't... He can't work like a traditional job where like somebody's on him about you need to be doing something,

or, you know, the full time that you're working. But he can, like, putter, basically is what I would call it. He's not able to speak for himself. You have to answer this for him? Sometimes I just word things better. It takes him a little bit of processing time. You're the worst person at answering questions I've met today. Today.

How many people have you met today? 5,000 hours to your grandma for what? That's the Mazda that I totaled. Oh, fucking, you still owe $5,000 to Grandma? Yeah. That's the one that she borrowed from retirement account, or her grannies. Yeah, my granny borrowed from the life insurance policy. Oh, no, no, no.

That's already paid back on. Huh? It's already paid back in. That's already taken care. Into the life insurance, but not back to her granny. Granny and my uncle put it back in. So they forgave you, or do you still owe it? She owes them, but not the life insurance.

This is the granny with the $600. thousand dollars. I assume so. Why didn't you pay back grandma? Why haven't I? Yes. That would be the question.

She wants me to prioritize paying stuff that does interest. Disown her. Take her out of the will. Make her fight for it. Make her learn things. You're enabling her. You don't give a f***

about anything. So you're not paying a minimum? No, not correct. And I see $250 to your friends? For what? You're $1.000. friends? Your friends? Isn't that only half now?

Because we paid him. No. We paid him back 75. But he sent me money. Literally that I was on the phone with him. And he's like, hey, check your cash up. And I went and bought groceries that day. $1,700. I was going to do.

Who, who, okay. And if it helps, we used to- Shut up. Don't say any words. I don't care. I do not care. Stop. I don't, like, you guys are the ones. that are going to be getting assistance in this world and you do not deserve it. It's insane.

This is disgusting, the life you guys live. What's your minimum to your friend? Is there, I don't know. There's not. Great. Wonderful. And your mom just sent you $1,000? Just sent you $1,000.

It's not even in the notes. You spent more than that going out to eat last month. And yet... This isn't the first. set of tires. She's bought me. We're calling her in the post show. She's working. I don't give a we're calling her and hopefully she answers. She works accounts payable and... Hopefully she

answers. It's the end of the month. Hopefully she answers. Okay. We'll leave a voicemail if not. Exposing your entire ass. Yeah. She knows I'm going on the show. She's going to watch the video. Good. Well, she'll see this and mom stop enabling the most annoying daughter that's ever been born on this earth.

You made a mistake. It's just safety. She only enables safety-related things. No, no, no, no, no. You don't understand. No, I get it. Did someone just freeze frame that, zoom in on that, and just frame that for any time anyone wants to get... Last longer.

Yeah. Surprised you make it there, buddy. That's all I'm saying. He usually has a pillow over his face. Quiet. DoorDash. Actually? For the light. He has light sensitivity issues.

Yeah, for the light. Oh. Oh, fuck. Buddy, you do not, listen, there are more women out there. I understand. Listen, you're a bigger dude. Maybe it's a little harder. You can't stand up.

Makes it harder to date. There are other people out there. I promise, the grass is greener. The grass is greener. She's usually not this bad. No. Don't believe. Don't believe whatsoever.

The fact that she said this bad, listen to your language. Okay. DoorDash. I thought DoorDash was supposed to be you getting money, but just spending and getting nails? Yeah. Going to get some bullshit. I got nails done.

It's a bullshit. So this is just the debit. The bullshit is some subway? Oh, bullshit. Bullshit. Dutch Bros. Dairy Queen going in and getting some BS. Oh, guys, this is her door dash.

Orions are all just going out to you f*** off. McDonald's, tacos, the land. McDonald's. Paradise Cafe McDonald's, McDonald's, what a joke. What a fucking joke! Buffaloed Wild Wings. Going in getting some BS. Going in getting some BS.

Going against some BS. A lot of BS on this. It's not even highlighted, but it's all BS. Pups and Cups going in and getting some BS. Dairy Queen. Taco Bell, Dutch Bros. Dutch Bros. F** sake. What a joke.

Oh, get into BS. Dominoes, the land, Java, McDonald's. She door-dash McDonald's with her door-dash earnings. I'm going to die. And this is fucking ridiculous. Taco Bell, Taco Bell. Shut up. Shut your entire life up.

Taco Bell. Hey, T.moudra. Who knows the fucking what. It's a bullshit. McDonald's. Probably. Shut the fuck up. Java McDonald's.

McDonald's. McDonald's. Taco Bell. The land. McDonald's. Talk about all of her earnings goes out to eat. You're the only one. supporting the household, leave her, leave her, leave her.

If this is not a fucking indictment of her and her entire existence and how she prioritizes, she says she's going out there and taking care of the house. Bullsh-shund. She spends every dime going out and throwing food down her throat. Just because you get a little throat here and there is not worth it. It is not worth it. Leave her now. She is going to destroy your life.

Arby's. Shut the fuck up, saw. Shut the fuck up. Sonic, Buffalo Wildings. If I don't want people to hear you, I just swear because that way it's censored and bleeped, meaning they literally cannot hear you even if you're talking at the same time. So that's right.

Goh. Yeah, exactly. No, please, no one. Disgusting. DoorDash Bad McDonald's. Who is the P-1FCU? That's the joint debit account. Wonderful. There's $6 in there. Happy helping food. Happy helping food. Starbucks, Goodwill, Buffaloed Wild Wings,

dynies, McDonald's, McDonald's, chips and Java. Going and getting to BS. AMC, door dashing. AMC. Door dashing, door dashing. Door dashing. Nom, nom. McDonald's, Buffalo's Wild Wing Harbor Freight Tools. Premium. Nom, nom, nom, nom.

Java, nom, nom, nom. Door dash, McDonald's. R.B.'s. Door dash, McDonald's. Taco Bell. Nom, numb, nom. Tim, 10. What a f***.

What a f***. What a f***. Absolute. Embarrassing joke this entire life is. Primal Queen, Doordash, Buffalo Wild, Sonic, the Land, Tantan, Nom, Nom, McDonald's. $15,000 is that your retirement? Leave her.

I hope you had a pre-nup, even though it wouldn't have necessarily been necessary. However, she's just a leech. You better not take anything when he leaves you because you don't deserve it. What is this $3,000? That's another retirement of you. Of you.

Oh, for, for sake, great. Yeah, what a benefit you are. household. What of benefit you are? The nom, the nom, the nom, mom one that you need to save your life. You need to save your life. Oh, fucking what? He says I do save his life. No.

He just, he's never, nope. Uh-uh, impossible. He had a horrible X, which makes you look better. That is pretty much it. Listen, your amendments to payments alone, just constitute your entire pay. And then your entire pay goes to going out to eat. Okay. Oh, okay. That's all she does. Then you just blow all your money as

well. This is embarrassing. Good the fuck. There's no budget that fixes it. You spend all your money that you make just alone on minimum fee payments and then you spend all the money you make even more. Practically, how much you make. I'm just going out to eat. No, no, you guys are completely immature.

You need to separate. You're enabling each other. Your parents have raised a horrible child. You and they're enabling the fuck out of you. Grandma should make sure you don't get a single cent. What a joke. I'm going to call your mom in the post show. Hopefully, if she answers, if not, I'm going to leave a voicemail, but I'm going to call you grandma then, but I'm done.

I'm done. I'm going to go get some air outside while they set up for the post show, but this was miserable. Thank you. Watch us in the post show. Hey. Lindsay, should he divorce her? He is part of the problem, too. The car was valued at $5,000.

Oh, what we're doing? We live in a silly hilly area. You talk. Based on the weather conditions. Based on the weather conditions in that area, fuck off. Shut the fuck up. Exclusive members' content. Click the way. in the description or pin comment below and watch thousands of hours of extra and uncensored content.

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