Financial Audit - The Most INSANE Couple Ever | Financial Audit

Episode Date: July 6, 2026

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To watch episodes of Financial Audit a week earlier, check us out on YouTube. If you look at everyone who is a Jew and they're in power, things like that. Look it up, bro. So basically what Trump is doing is like what Hitler was doing except doing it the right way. There's the world's flat around. It's flat. When you raise your children based off of that, that's concerning. Biden was never really president.

He's dead. Supposedly. What? Charlie Kirk's not actually dead. You don't actually believe this. You're just having fun with this. No, I believe this. I have an exclusive offer just for you.

But there's only one day left to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Plus, I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join in, and that's a promise. Hi, I'm Chelsea. I'm 29 years old. This is Gary.

Hi, I'm Luke, and I'm 32 years old. We're from DFW. And this is Financial Audit. Yes, it is. Thanks for coming down from the Dallas area. Okay, Chelsea, you're in front of me. What do you do for a living up there? I homeschool my kids, and I am a caregiver for my sister.

Oh, kids, married? Yes. Okay, how long have we been married? Three years? Yeah, I put him down. He doesn't want to be with you. Almost three, three of September. Okay, well, congratulations. Okay, very good. How many kids? What are the ages?

We have four kids total. Three are from my previous marriage and one. Whose previous marriage? Mine. Oh. Wow. Geez. 29. Two marriages. Yikes. Okay. Okay. Just saying. What are the ages? Um, seven, four, and six. Yeah, I think there's another one. And nine months. Well, I messed up the ages. I met that one. That one was very, Nine months. She is.

Nine months. Oh my gosh. He's nine months. The dog is nine months. She's 14 months. She's 14 months. The dog's nine months. Oh, that's pathetic.

That's rough. That's rough, dude. You care about the dog more than the kid. I guess that's why you left the other three. No. Okay. Okay, so you don't make money. I do.

Okay. Stay at home more. Very good. So Luke, I hope that means you make a lot of money because it is, it is. It's not a super cheap place to live. Yeah, I make a decent amount. I mean, I'm retired military. I work for roofing company.

So we bring home quite a good amount. Which one? The retirement or the fucking roofing? Both don't make pretty good money. Okay. What do you get from your retirement? I get around, I'd say about, so VA's 4,646. Oh, VA.

Wait, okay, it's not a retirement. It's disability. Disability, yeah, yeah, yeah. He also did his retirement? But I'll work a roofing too, yeah. What do you do in roofing? So I'm a salesman for roofs. Ah, yeah, yeah, I'm a salesman.

Okay, that makes a lot more sense because I don't know if I would want a disabled person on the top of roofs doing roofing. Right. Okay, okay. Oh, never mind. When you are a salesperson, you're getting on roofs. No, we have drones now. So I don't get a roof anymore. Oh, okay, okay, modern technology.

I appreciate that. Different kind of drone, not killing brown people this time. Right, right. What do you make in the roofing? So on average, about $1,000 a week. Now, if you do it, so we make a sale or something, sales, average depending on the roof is. I mean, you're looking around 25 to maybe like $5,000 a roof,

depending on how big it is. Okay, but I'm averaging out $4,000 a month. Pretty much. Yeah, you can make a sale. If you can make a sale. If you make a sale. But is he averaging making sales, so he's bringing $4,000 a month? $4,000 a month.

He's not making a sale. Okay, backstory real quick. Gosh, damn. So, time out, hold on. I have more context, right? So I just, my other job for roofing just got shut down. They quit business last week, right? There, I was making an average about $800 a week.

And then on a sale average, you could make about $1,000 for each sale. And I made two sales on that. But that business is gone. Right. So I just got hired, actually sign the offer letter today for a, for a roofing, another roofing company, right? Oh, wait, but you won't know how much you're making. Well, I mean, I've been doing roofing off and off for a long time. It's also a sign on.

And there's a, so for for now, for a. about, what is it? I think for too much, they'll give me about $1,000 a week. And then after that, when you build your pipeline, that $1,000 goes away, right? And you have to replace it. Okay.

Okay, well, we'll put it as four for now. Right. I mean, you've seen the lack of confidence in this. Three to fours is on average where I make money every time all that. Yeah, because he's, he says he's good at sales, but I haven't actually seen him make a sale. You only pay the hell attention.

You know how much money we make or bring in what it costs. You have no idea. Because you keep our finances separate. Bro. Bro. Three years? Mm-hmm. And the finances is a,

separate. Why? You won't be honest about this shit? Because I will. Well, please, that's what we're here for. Because we've argued a lot. She's down there laughed me five, six, seven times. And so I decided. Well, she seems to leave every man she breached with. Well, I mean... Well, I mean, if they're assholes. You've married or you ain't.

You made three. Well, see, because I'm Christian and I was like, you know, the Christian church... The faith requires you to breed with assholes? In fact, I do believe Sodom is illegal. You can't divorce. You can't. What? You're not supposed to get divorced.

Oh, well, but I had real reason. Sexual morality. And abuse. Okay. Why are you, I'm sorry. Like, yes, you're the victim in that. Well, I, you know. Why are you breeding with someone who's abusive?

Because I didn't know. You didn't know he was hitting you and he was hitting you? I mean, I'm sorry. I don't want to, that's insensitive, but like. Well, it wasn't, it wasn't like that. Oh. So he was abusive without abusing. It's interesting how modern terminology.

She's been kind of flipped to saying words that don't mean the thing that it means. No, it does. I just really, I can't talk about him. Okay, I got you. Okay, well, we won't go down that rabbit hole then. Yeah, nice cover up. Did I kick you? My bad.

He said nice cover up, by the way. That's a little scapegoat right there. That's not a scapegoat, and you know that. Okay, have you hit her yet? Sure haven't. Let's try not to. She's a little physical aggressive, though, so. I am in bed.

Oh, God. Okay. Well, that's nice, I guess, for you guys. I mean, it sounds like a fifth is on the way. Absolutely not. It's a false way. Absolutely not. What do you mean absolutely not?

You're on birth control. No. Are you fixed? No. Is he fixed? No. Is he on condoms? No.

Okay, then what the fuck are we talking about? Absolutely. How do you think babies are made? In fact, I would say you're the expert. But you can track it. You can track it. It's not perfect. And chicken swim for a bit too.

And what if he's the part of the 35% of men or whatever that carry... He's actually infertile. Oh, I don't think... Did you put... Is the 14-month yours? It definitely is. I made that one happen on purpose, so... He got on medication.

Okay, but even still, we've had a lot of infertile people on the show that have magically had kids. It's weird how it works. Like, what are we talking about? So he doesn't... We have different views on how money should be spent. I'm very much a practical... money bills need to be paid first and he's a i'm going to do my fun stuff and then push bills that

doesn't really make sense not necessarily no that's not how that works that it but that's how it's so i get a guarantee amount of money that's how you work every single month right and so and i know like my view is like i have the guarantee money coming in every single month right i don't know what i can expect to pay what not to pay etc etc now for instance right so how do i say this like like with the mortgage thing right yes we are As in the first document in my stack, which is past due. Yes, it is. Mortgages shouldn't be past due.

Right now, it's currently past due. It's past due. You already know this shit, bro. But I don't. You do. I don't. You do. I don't.

So what I do is, my personal, this is my, I guess, opinion, I guess, whatever. Where with VA, not the VA, where veterans united, the way they work from what I've understood, right, is it doesn't hit your credit until it's 30 days past due, right? But then you snowball. So how past due are we? No, we don't snowball. I just paid the fucking payment yesterday. I got paid yesterday, so I submitted the payment for the mortgage yesterday.

For which month? For past, yes, last month. That's what we didn't say. May. Because we're always passed through. Or this month. What was the current due? So you just paid May's yesterday?

What month we in? May. Yes. You already know this shit. I don't know that. I don't know that. I don't know that. But I thought we had caught up and we weren't doing that.

No, we have too much shit to pay for it. So the... Even when I read, even one point I had to, um, what do they call it? What do they call it? restructs for a loan, so to speak, I guess. No, no, no, just why are we laid on a mortgage? That shouldn't be the place we're laid out. The way I've done it every month is I only, so I get,

so the reason I use cash app, right, I get paid a week early for one of my paychecks, whatever, blah, blah, blah. So when we first got the mortgage. What, that's the cycle we're in with four kids? What's that? We're in a cash advanced cycle with four kids. This is what I've always done it my entire life. Well, that's not necessarily good when you have kids.

It's not a cash advance. What's what you just explained was? They pay you early due to, Which can be okay if you leverage it correctly, but if you're stuck in that cycle where you're not paying your bills on time and you're waiting for the early advances to pay off the previous one, then yeah, your cash advance cycling. Okay, I've never heard of put it that way, but I guess so. Yeah, never heard to put that way. But you're behind a new mortgage. Like, I don't.

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pin comment below. Let's get back to this financial disaster. So the way I see it is like this, right? Unless it hits my credit, I don't know it's going to sound fucking stupid. It's the way my mind views it, right? It's like, I paid the mortgage yesterday. We're no longer behind. There hasn't any late. There's no, it hasn't hit the credit. Now, technically, the mortgage is doing on the first, right? So before in the past, I was making a shit to more money than making that. One point I was making like 20 to, I don't know,

23,000 a month at one point being a trainer at Lifetime Fitness, right? That's including the VA, all that stuff. So all together, making like 20,000 months with the time, I think we took a trip to Tennessee at one point, right? And we didn't pay the mortgage that month. I said, if I don't pay the mortgage this month, I said, I can just pay it at the end of the month

when I get my paycheck from Lifetime, right? So when we did that, we did not budget out money correctly on this trip Tennessee. What was it last year? Oh, now it's a wee? It's been a wee, bro. It's just a wee thing.

We're married, all we? Exactly. It hasn't been a week. If you don't believe in late fees, whether or not it hits the credit, you're still getting late fees. Yeah, but you ain't got to pay him until the mortgage is done. That's also. Huh?

You don't have to pay the late fees until the very end of the mortgage. Yeah. Well, so, you see, I didn't know how he was with money. Yeah, we didn't discuss that type of shit before we got married. We didn't discuss that. But like... How long are you guys dating before he got married? Well, a couple months?

Okay, so that's why you're free. I told him moved to hell in. Ten months. No, no, it was ten months when we got... Okay, straight up. Let's fix this conversation real quick. And we agreed on this, right? So our context, I believe in Jesus Christ, right?

I believe in the Bible and all this, right? So when you commence a marriage, you have sex, spiritually, that means you marry. Read the Bible, says it in any word for word. I don't know the same verse, but that's what it says. How many people have you married then? A lot. Spiritically speaking here,

Well, see, okay, this is, I came to my faith later on in life. Okay. So whore and then whore with the cross? Well, yeah. But you know what? Jesus still loves me. And I've repented. So, but yeah, I, I have a.

You can break them soul times. I've had a past. I've definitely had a past. I have daddy issues. It's fine. Who fucking doesn't? What woman in this planet doesn't at this point? But yeah.

So, like, I did, I slept around. And it sounds like all your kids are about to as well. No, they're great. They are. Okay, okay, what the fuck is my question? Okay, I mean, I have a note that, like, what's destroying this whole thing is your lack of trust in as this shit is built on, like, conspiracy theories and like, I don't even know what the fuck is happening. What are we, what the fuck are we talking about? I told me about finances, the whole deal mortgage right now.

So that's why we're here, though, because he needs help manage his money. When I pay my bill. But what is this conspiracy shit? Okay, which one? Charlie Kirk's not actually dead. What? Selena Gomez is actually dead. And her and Justin Bieber's love child is with.

What the fuck are we talking about? Well, conspiracy theories. Someone's killed my marriage out here. Yeah. He doesn't really agree. I don't know. I saw some videos a lot on Twitter that day. What day?

Oh, yeah. That's fake, though. You saw some people die probably. Did that look like death? No. It's questionable. Oh, for. It's questionable, dude.

I've seen people shot. I've been part of shootings. You've seen movies? Does that look like death? That looks more like death than the Charlie current. But it is. I'll put to you this way. I put you this way.

Can I talk? When you look at this situation, right? First off, a man shooting a shot that far away has to be very, very, very good. Maybe he got also just very lucky. But the bullet that was supposedly used would have blown up his death. I'll say this. I was an expert shooter in the military. I score perfect every single time I've shot a weapon in military.

The blood didn't even stain his clothes. So where is he? Why would he do this? So he's an, okay, so there's theories. Here we go. So there's theories. Okay, so he can either, so either his wife, Erica Kirk, was in on it, or like in on the conspiracy and she's in hiding with him. And so we got some Candace watchers.

Or, yes, 100%. We know. We know. Okay. We know. But we don't know, no. You think. You don't know, no.

It's called a think, not a no. No, we know. So, so either his wife. because she's got ties to child trafficking. She does. Based off of the work she did with children. She was kicked out of, what was the country? She was kicked out of the country for it.

Yeah. So. Not country. You got to know this, dogs. It was like Slavia. Slavia. Not Slavia. Slavia, not a country, bro.

Where is it? Where is it? Slovenia. No, there was a country that she did like. Ukraine? Was it Ukraine? No, it wasn't Ukraine. She did.

Don't look at me like. that. I'm legit. I mean, we just name all the fucking. I'm just waiting. I know. I'm trying to remember the country. But she was kicked out of a country. She was doing like adoption work for

little kids that don't have parents. And they were going missing. And so she was kicked out of the country. We're not going to have Pepsi with baby flavoring in it. I mean, what the hell have we become? So Erica Kirk, you're saying. I'm alleging.

You're alleging. Is a child ringleader? She's in on. it. And Charlie didn't die because of that? No. So she's, okay, so she's, was basically his handler. And either he, this is, there's two different theories. Okay. So either she was this handler, he found out about all her bullshit. Aren't they just like a classic Christian couple like y'all? Oh, no. The, so, okay. Isn't that kind of what he was preaching? Well, in the, in the, okay, in the video where he's being shot, it wasn't actually him. It was a hologram.

Oh. There was a, there was a trap. door, there was a trapdoor, and he, so the hologram got... But you don't actually believe this, you're just having fun with this. No, I believe this. Well, I believe one of two theories. That's one of the theories. I don't believe he's actually dead. Okay, and the other theory would be...

Um, well, I've got... Well, now I understand why you guys can't talk about things, because you guys are, like, scary with your brains. I'm about the trap door. That you think so, yeah, the door. There was a trap door. They covered the trap door up. This spring, denim gets...

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Old Navy's drapey denim wide leg. Like right either that night or the next day. Who's they? The cover-up people. The cover-up people. Yeah, the cover-up people. What would you call them? I don't know.

I don't know. Just like, who are they? What's the reasoning? The CIA. So where is he now? In hiding. Why? Why would he want to hide?

He was very successful. But there are people because they were going to kill him. They were going to kill. And it's all part of the plan. What plan? The plan with Donald Trump. So it all plays into each other. Okay.

So we are under a military operation right now. There's an attack. on the species by a guild of psychopaths and they must be defeated. Yeah. Were you a part of this? No. Okay. I think he might have some insight if this is a thing.

So all of these things, like the Charlie Kirk stuff, like the celebrities, all of it goes... She's bashed insane. You married her? I didn't know this. You're not going to think... Is it worth it? Thanks. Somewhat.

I said. No, but when all of it goes down and you're like, oh, that bad shit crazy lady, she was actually right. All of it goes down. going to go down. It goes down or it doesn't go down. So either way, it's a whole fucking guessing game. So, like, the freaking bullshit that's going on in the world. So, like, the celebrities and the sex trafficking rings are going to do what? They're going to, they're going to get hung in public. This is total mental illness. What? No, no, no. Yes. Military tribunals are coming.

Okay. So I will say this, the military tribunals thing, like, they hold people accountable in a military tribunal because, like, be the one, you're too rich, your name's too big, or whatever the case may be, because, or whatever the case may be, Because when military tribunal, you are, like, how do I say this? Like, there's a lot of normal citizen laws that they don't, I would say quite a lot of not have to follow, but they are outside those laws because of the power that they hold, so to speak. So in order to Trump, to catch some of these people, right,

you have to hold a military tribunal to hold them at a higher accountable standard, something along those lines. It's still kind of like- So what's coming under this military operation? Yeah, so he's going to expose everybody. So, wait, honestly, why even care? about your personal finances if like this big thing is going to come. Why does it even matter?

It'll solve everything. Why does it even matter? Biden was never really president either. He's dead. Supposedly. I don't think so. He was never actually sworn in either. Did you see his earlobes? Wasn't they like old man earlobes? No. So he's, okay, so they had like, he was.

So he wasn't actually president. He's actually dead. Who was? Trump was. Trump was, so they pushed him in as a puppet. So Trump was. say this. When they did his inauguration, right, they played the funeral taps over like an actual presidential introduction type deal. So Trump did the Afghanistan withdraw? That was a disaster? Well, Trump was in... Trump was the president when we had 10% inflation? Yeah, so, yeah, so it was all

cleaned out. Okay. You get to wake everyone up. It's bullshit anyway. Well, it's to wake everybody up to like COVID, for example. Which is also bullshit. Yeah. It was bullshit. And it woke a lot of people up. the Inflation Reduction Act, the infrastructure bill, the... Behind the scenes to wake everybody up to make it look like it was Biden. Okay. Look into it.

There's truth. No, it is. Like, if you look at executive orders, you do. Can I just ask you a question? Is the world flat around? It's flat. Okay. And I can, well, I can kind of prove that.

How can you prove that? If the earth is flat, there's a military operation happening. The presidency is not even a thing. Why would we take the effort and sacrifice that is required to get this under control if all everything's coming. Well, because we still gotta live. Like, there's still shit that has to be. You're talking about.

Why are you saying? Why? Why? I'm sacrificing people for freedom. If all this, she doesn't matter. Well, because it is. He wants freedom. So right now, we've been under undercover war for a long time now.

So Trump is actually with these elites and these child traffickers. They're all trying to take over the world. Hey, I got rich. Does that mean I'm all of a sudden dittling children? Is that how this works? No, but I mean. When you unlock a net worth, do you all of a sudden are like, oh, that's a child's dicky? No, that's not true.

But there's a lot of people who are, who they get into their rich in fame by selling their soul and doing dirty things with children. What the fuck you're talking about? Selling your soul. Did you sell your soul? No. Well, not everybody does. Created a popular show. For example, okay, Justin Bieber.

He tried to get out of it. But he sold his soul. He did a lot of bad things. Bro, that dude f*** his brain with drugs. I don't think him listening to him. Diddy? Well, Diddy. Diddy and him were like...

Yeah, Diddy was like a lube obsessed. I don't know. No, he was child obsessed. I don't think his whole thing was children. He did the whole little... Up in just a being used. And then... It was.

He was on trafficking charges, but not for children. Kanye West. They made him look crazy because he was starting to call out the bullshit. I think he made himself look crazy. And he just went... And he just apologized. So now the Kanye West that's here

isn't actually the Kanye West. All this has no factual Facts to it at all. It does. It's all insinuation, bro. It's not. It's factual. It's not factual.

It is factual. It is factual. That phone's black, right? Prove to me that the world is flat. Well, then you got to pull out scripture and stuff, but basically, yeah. I like the Bible. I don't remember any power of that. Type in chat,

right. Type in chat, GPT, and tell, to make you a model of the world based off the Bible and the Ethiopian Bible in the book of Enoch. Do it. Okay. So you've got like the thing, right? And you've got the, what is it called? That we call the foundation.

Well, you got your foundation. Then you've got the dome. Oh shit. You're in this too. You got the dome. The firmament. Thank you. And then you've got Sheal, which is like hell.

And then let's see. You got the sun and the moon are in here. And then when you talk about the book of Enoch, there's different portals right in through here where the angels, how do you make little angels? They control the weather through these portals that go like in and out.

Oh shit, they have children. And then it goes down like this. Well, I teach them about like NASA and stuff too, but did you know NASA means to deceive? I teach them about all of it so they can think for themselves. That's not thinking from themselves. That's you teaching 7, 4, 6, and 14-month-year-olds.

Well, but I don't know. That's not thinking for themselves. You were telling them. No, that's not true. I'm not telling them. them. I'm saying these are theories. Where's the Earth? This is the Earth.

Okay, so I'm not going to ask or insinuate, but I'm sure in the military you went places, did you go in a straight line? I mean... Or did you go around the planet? I mean, here's my view, right? When you fly, I mean, I've never paid attention enough to know

if we're going sideways, going around, or whatever, things like that. That's not true either, but... Please tell me these kids are not being homeschooled. They're being home schooled. I am going to... But I do... But I don't teach them.

I'm not saying this is fact. I say this is fear. She does give them options, right? She teaches them about both and let's make an assumption at some point. About like the globe and NASA. I'm afraid to ask a question. I'm scared to hear it. School shootings.

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Get started with Rumble wallet today. In terms of conditions apply, see the description below or visit rumble.com forward slash promo official rules for details. Oh gosh, that's so scary. Some of them, I think, are planned by the government and the Freemasons. I think the shootings.

I don't want to happen, but I think they're just random acts of violence. I do not think that. I mean, let me just remember you for. I think some of them are, because these motherfuckers they're crazy as hell these days. But, like, you know, you got to look like this way. You got kids having kids back in the day. They have their damn parents.

We got a victim-ass mindset of the world. It's everybody else's fault but mine. They think they should have a litter box in their public school bathrooms. That's been a thing. There are no litter boxes in schools. These conspiracies are insulting. Yeah. Wait, no what?

They want litter boxes in the public school bathroom so kids can pretend their cats. They don't want them. No, okay, there's some crazy shit going on with a weird gender shit for kids. I, okay, that's fine. But that doesn't mean every mass shooting's fake. Well, no, I didn't say every mass shooting. That doesn't mean the majority. That doesn't mean any of them.

A lot of them are. Sandy Hook? Oof, yeah. Well, so actually, one of the teachers who supposedly died in that shooting died in another shooting like a couple years ago. Like the same person, central casting. Apparently. Apparently means reality and fake.

Bro, you just drew doors on the cap of the earth where angels control the weather. Yeah, angels are real. They are. If you're a believer, it's not saying that angels are fake or real, but you said they're, you said they're controlling the weather via a door. But Caleb, regardless.

Did we go to the moon? Did we just fly around the moon? Did we just fly around the moon? We'd not go around the moon. We've not been to the moon. Did we just fly around it? We have not even flown near. I think it's all fake.

Why? But I don't understand why. It's not that difficult. Even the buzz dude said that it was bullshit. It's not that difficult, though, to go up, Elon all. It is. In Brownsville, where he's launching rockets like every three days? That's all fake.

Well, I mean, they're going up, but they're not going that high up. What the fuck? So all the satellites where I'm getting my Starlink internet? Yeah, it's all fake. So the internet I'm getting is fake. Where's it coming from? No, your internet might be real, but like I don't, but it doesn't change the fact that we can. She thinks the idea of space.

You think we just got cell phones. You think we could go to the moon and take videos? Yes, it's not that difficult to go up in gravity. But it all. It is isn't that crazy. Like, yes, it's not. difficult for us to be 100% safe, but it's not actually that crazy. But it is.

It is. I think some of these experiences can be true because if you look at the way 9-11 happened, right, and why we are Afghanistan, if things happened in Afghanistan that didn't make any fucking sense, like, you have people there, dude, like, we're not out there just fighting a war, someone's trying to kill us, right? We showed up, tried to fix the shit. They got pissed off at us. Now we're fighting back and forth.

Obviously, we're gone from there now, right? But what does this have to do the moon? Wait, what? Because here's what I think on that aspect of things, right? It's like, like 9-11, right? 9-11 was playing. A lot of the moon stuff is done underwater. Are you going to let me talk or no?

What the fuck? Well, you interrupted me, so I figured. Well, because y'all is going on and on. There's nothing happening in the conversation. But there is stuff happening. I'm educating him. You're just dang it on to, bro. You didn't have a whole little backshu'll, like backfax on your stuff.

That's because we're jumping topics a lot. There's a bunch of theories. They have no. I'm like blowing your mind right now. No. Yeah. She goes off a guy named Derek Johnson. 1776 on Facebook

Amazing On Facebook? No, okay, he's not just on Facebook He wrote a book He's very smart I'm pretty sure he has a photographic Here's what I think bro You don't know shit

Governor doesn't want you know shit I didn't know shit Aliens are not real Like you ain't gonna know shit Unless he wants you to f*** know what you do know They want you to know it But that's what I'm saying Eric Johnson a Christian musician

Yeah he also does music But you look up his He's like a blueprint of everything And he goes It was like there's executive orders that put Trump as commander-in-chief. Like the dash, the dash-me-something. Was he shot?

Derek Johnson? Trump. No. Oh. That was fake. Have you seen his ear? I will tell him that. I will tell him.

Oh, yeah. No, he overplayed the ear thing. It was a piece of like shrapnel from when the bull of, yeah. He overplayed that with the big. But to say he's not, he wasn't shot. It was staged. She thinks Trump stays his own shooting. So,

Essentially, to confirm, your worldview is nothing's real. Yeah. It's all central casting. It's all like a movie. No, nothing's real ever. What do you mean? No, anything that's ever happened is not real to you. Well, a lot of what we're taught is not real.

Like Thanksgiving, the true thing around Thanksgiving isn't like what we think. One thing you can look at that may not be real. If you look at, this is going to make some people mad probably. But if you look at the Holocaust, right, there's been some videos. I don't know. I don't know. I'll say it. I don't give shit.

like there's some people out there that take a video of Hitler and I'm not saying what Hitler did was good at all not what I'm saying but what I'm saying is I think nowadays Israel is definitely the head of everything right the Jews are whatever and like if you're if you're a believer right and God talks about Israel as a people as a nation not as the state as it is right like Israel is a state killing it's a thing right but like they're the most corrupt

motherfuck in the entire world like 100% right and I'm not saying the Holocaust was good. Not saying Hitler had a point. I'm not saying I agree with Hitler at all. Not saying that. He's on his own for that one. Let me finish what I'm saying, damn it. What I'm saying is, is the people who are disrupting our government now, right?

If you look at everyone who is a Jew and they're in power, things like that. Look it up, bro. Look the shit up. I'm not a big experience. This is something that I will die on, right? Hitler was trying to prevent his country from taking over so much of crazy ass. Powerful. Child molesters.

Time out, listen, that is a fact. Now, what I say? Hitler killed innocent motherfuck. He did. He did some really bad things. But his main purpose behind it all, he was trying to prevent a takeover from who the United States is being run through by now.

So basically what Trump is doing is like what Hitler was doing except doing it the right way. He's trying to call everybody out. I don't know if I'm going to say that, dog. I ain't going to go that far. He's not trying to kill people. I ain't going to go that far. He's not trying to kill people, but he's trying to expose people. He's trying to expose people.

That is a yes. Okay, talking about Hitler wouldn't expose anybody. He was saying, fuck you. I don't like any of y'all. Yeah, I know, but Trump is trying to expose people and he's not trying to kill people. Like, I'm going to terminate you. You know what I'm saying? How do you guys find each other?

Tinder. Tinder. Oh, man. I don't even know what to say to any of that. No, but to like clarify. To clarify. There's a lot to clarify there. I don't think what Hitler did was okay.

Like, I didn't like that. We're back to. the age. No, because I don't think what he did was okay. I don't think, like, killing people is not okay. I think what Hitler was getting at, bro. What did you say?

I don't believe in abortion. Okay. So I don't think, because I don't think what Hitler did was okay. I don't think him killing people was okay. But I think that maybe there's a reason for what he was trying to do. There was a different way he could have handled it. Yes.

But the history books don't tell you. But the same people Hitler was trying to stop or the same motherfuck running our shit today. Straight up. That's a fuck man That's a fact, dude I don't need a minute I just don't know

I just don't know even a fuck there I can't really use a margarita right now The state of Israel is running everybody's shit The Rockefellers You guys braided All these people bro They run in the show There's four more of them

That they made And they are gonna be the ones Who are running this country the right way Oh Our children My daughter's gonna be the next president Haven will be pretty cool Fuck me.

I don't even know, man. I don't even know. So clearly your military disability is a brain injury. It's a hard issue, actually. He does have... From the military? Yeah, I had a heart attack.

Issue. Oh. He's got a friend. But from the military? I've got some PTSD and shit too going on. Oh, everyone does. It was all from the military. Yep.

Too much caffeine. Too much drugs. Too much lifting waste. Too much stress. They gave you the drugs? Well, they gave him all sorts of vaccines. We got a ton of. And so that probably...

Oh shit. My goodness, you're literally latching on to everything that people like you are just on about. Well, but because we're right. See, you can't say that because you don't really know. You said a theory. Like, I didn't say I'm right. I have a theory for sure. But I believe my theory.

I think I'm happy that I got some of them when I was a kid. No. None? I don't believe in vaccines. Not even polio? No. Actually, if you look into the history of all these... Okay, polio is like a 0.00-0.000.

zero zero three percent chance of even getting the paralytic polio. It wasn't very good back in the day when a lot of people were getting it. I know, but that's what I'm saying. A lot of people were not getting it. Yeah, no. That's just inaccurate. And the studies and the statistics that you have to get for that, you have to pay for it. Why do you have to pay for statistics on vaccine preventable injury?

You probably check the T. It'll tell you. No, you can't do that. To get the statistics for. all these diseases. She's saying to get the data on the vaccines. You got to pay it for it to get the data. It's in a report from who?

From the CDC or whatever the places that has it. Listen, I mean, I think... You probably just use Chesapea. No, you can't. I think everyone is an alignment that maybe went a bit too hard during the COVID thing with the freak out. Like, I get it. But a lot of that is hindsight, okay?

Hindsight. Is it the... Is it the hindsight? When people can't have babies now. We didn't really know. Listen, I'm going to tell you, when I first started... I was like actually trying to give you a bone here. I understand where a lot of people's minds are because we went way too hard in places like California.

Dumbassian license. No, I get it. I get it. I get it. In hindsight, yes, it wasn't as, I get it. If you're a healthy adult, it's fine. Whatever. But come on.

I mean, I'm okay that I got the polio. I'm happy that I got the polio. Well, I mean, but not everybody is. Huh? Not everyone is what? And if your vaccine works, then why do we need to get it? So let's say you've got your polio vaccine. What did you just say?

And I'm not. And your vaccine works and polio is going around. Then why do I need to be vaccinated if your vaccine works? Because vaccines create antibodies to protect you against a disease. Yeah, but the disease isn't actually. I know, which is why he's kind of. You think, listen, dog. That's not why, actually.

But I do, I don't even, I just don't even know what to say. When there's like, different realities. It's not a conversation that can be had. But it's, but it's, there's reality and then there's the show that you're being getting in. Okay, Tom, I'm going to say this real quick. This is the basis. This is definitely like a belief thing, right? And I will say this. So when I was born, right, my mom, she's a nurse, we've been nurse for 40-something years, right? She didn't get us vaccinated at all, right? And I think, well, they had the vitamin K shot, I think,

something like that. One, two, that was in. Really? I didn't. Individuals do. It's so quite. And what I'm saying is, it's like, there's a lot of people I feel who don't get the vaccine, to stay healthy for a very long time, don't get sick, right? often, whatever, right? And then, but I'll say this on the contrary, right? On the contrary, right? When I went to the military, they give you every damn vaccine.

Probably you can think of them in your mind. Your blood type is healthy. When I was in there, I, dude, I don't remember one time getting sick besides that, right? And that's kind of a big deal I get right. But the heart attack, heart attacks can be very much stress induced, stimulant induced, whatever the case may be, right? Stress, whatever. Heart acts can happen for a lot of freaking reasons or whatever.

And you said drugs, like I don't know, but you said drugs. Drug. Yeah, drugs? Drugs. I took, okay, so I took a lot of, like, obviously, I mean, you've got pre-workouts, got a ton of shit in them you don't really know about, right? Including caffeine. And if you were caffeine max, like, you're likely above the daily dose, right?

I was taking a shit ton, bro. Okay, well, yeah, that would do it. But there was also, you know, you got to look at like SARMs, a selective andro module receptor. I don't think those are or not. Or what? They're basically a selective andro receptive module, module, excuse me, receptor module.

I can't say it. But basically what they do, is they attach to your receptors in your body to create physical attributes, whether it's muscle, endurance, whatever, right? Instead of taking, like, steroids, it affects your hormones. Psalms, for the most part, don't affect your hormones, right? So I was taking those, right?

So I was pretty jacked, whatever. Things like that. Okay. What's your disability again on a monthly basis? 4,646. Okay, so 8,4006. Okay, that's... Wait, what?

What? Eight. Was your four? With the four that comes in with the other job. So that's the household thing. How much is that? 1905 plus 955. Can you math?

Whatever that is. Math that? Yeah, I didn't go to college, but I dropped out. 9.05, you said? 1905. So 1905 plus 95. Okay. Okay, so yeah, that makes sense that you can stay at home and teach your children to be retarded.

Actually, my kids are several grade levels above the average child. How would you know? Because I've tested them. You test. of them. Great. She's got a third party. You got to say shit for real, bro. So they're actually extremely smart and socialized.

Uh-huh. I believe that. Did you know over 70% of kids in the public school system aren't even making their... Did you know that 100% of the things you say I can't trust anymore? You like that. Ruined everything you will ever say. Because you don't know the research.

I don't have all the research in front of me. This is how you drew the planet. And you said angels come through this door. to control the weather. We'll read the book of Enoch. Let me just grab my stuff off the bus. I don't know that one. Okay, exactly.

But do you believe? What is it? Okay, well, here's the thing. What is it? It's a book. It's part of the Bible. From the Bible. Is it in the Bible?

It was taken out of the Bible. Okay, well, if it's not in, then... It's because of King James, bro. King James is a corrupt, a little shit bag, too. Huh? King James took the book of Enoch. Hold on. If you are a believer in the Christian faith,

the book of the Bible is the word. Yes. That's it. No, that's not it's not. No, that's not it. There was the original Bible. There's the Ethiopian Bible. That the Council of Trent took out?

There is, there's all sorts of things, all sorts of books that were taken out. I can't even answer that. Yes. Yes, they're the ones that took it out. But it's, I can't say that word. I can't say that word. But anyway. Not Trent.

Like, the whole purpose of it is, right? It's like, I believe, if here's a deal too about the word, right? The word, the word of God has been translated. I'm sorry, kiddo. Your mother's so. It's translated so many times, bro. You can't take the word of God in an NIV or a N-I-E. or a NIT or a Key James Version and read it for what it is.

So why would they take that out, your magical dome? Because then it proves government, bro. The government. Why? What advantageous thing would the government have to say that it's... Hey, what benefit? Control. How are we being controlled by saying the earth is like this?

If you prove, God is real. What does it do? To say it's around, what do they gain? Okay, for example... What are they gaining? Deception. Deception. The truth of God.

The truth that the Lord is real. How does it disprove that by saying the, planets around. Because when you, when you read the first, when you read the, I can't quote it, right, I can't. But if you read the Bible, when it starts talking about how he made the Earth, right, he talks about the Firmament, water's above the Fermanent, and then he talks about some other things. And how Earth was made, because then it disproves evolution. Enoch, E-N-O-C-H. It disproves evolution and, like, that we came from monkeys. They want control, which is the school system. Okay, so, okay, when Darwin made that, you know, he worked on all that, very good.

What does it actually give them that some people believe in evolution? What does they give them? Control on what? It just proves God is real. If you prove God is real, you lose all power, all everything. What does that even matter? Because like, first of all, Republicans in this country are overwhelming religious and they're trying to push religion.

They think they're. They think they are. They want you to think they are. It's a spiritual battle. But for what is this battle raging, you ask? I don't know. What stands at the center? Multim motherfucking together.

En O-C-H? Yes. E-N-O-C-H. Republicans, Democrats work together anyway. It's, yeah, but it's a spiritual battle. So you've got... I run for office, and I get elected. I'm all of a sudden going to just be this evil person or part of a conspiracy.

I wouldn't say that. Not necessarily. But you probably would have heard of it. I think people slowly... Because they're going to introduce themselves to you. And they're going to ask you to join their shit. And if you say no, then they're not going to let you go further. Or if you say yes and then say no, they're going to label you as crazy.

Why do you think they're all on Candace Owen's ass trying to make a lot? trying to make her look crazy. Which one way, she might be. That's one option. She's not crazy, though. She might be. Like, okay, you know Britney Spears? Her and Justin, she, her and Justin,

were, like, actually died in the car accident in 2001. Inak was not actually written by biblical Inaq. It was written by multiple Jewish unknown authors. Allegedly. So. Composed over several centuries from 300 BC to 100 BC. Yeah, they found all that. With some sections, possibly even later.

So Enoch was actually... It's not a single look. It's a collection sticks together. Independent. So Enoch was actually sent into the Garden of Eden to be as like a bookkeeper for everything that's happening in the world. It's that person isn't a thing. It was written by other Jews, Jewish people.

But I also think this, bro, you have to go, you have to read the book. I wouldn't say, it may be fine. It was written by multiple Jewish people. That's going to tell you what they want. All stitch together. That's going to show you what they want. you know. Okay, very good. And where are you getting the truth? Um, we made it up. We made this one up. It's a made up tale. It's a total fabrication. The, the Lord. See, this is where I. He told to you,

what do you mean? Enoch said this is written by Enoch. What? This is, this is where I get. I didn't say Enoch said it was written by Enoch. Then how are you getting that truth? How am I getting what truth? That truth that it was, uh, the Enoch went into the garden. Uh, because it's in the Bible. It's in scripture. What, which one? And Enoch? Which is not in the Bible. It was taken out of the Bible. It was taken out of the Bible, though.

This sounds absolutely insane, and I'm aware. It was originally in the Bible. Oh, shit. I'm pretty sure I'm right on that, though. Go ahead. I don't think you're right on anything, lady. I am right on it. It was taken out of the Bible because they felt like it wasn't,

it couldn't be proved legit as their reasoning. But it was in the original Bible. I mean, here's my deal, too, bro. I was like, if you're talking, I don't know if you are or not Caleb, but if you talk to anybody else who is a believer and not a believer, whatever the case may be is, right? Whatever your belief is, right? It's really hard, unless you've experienced God yourself,

it's hard to believe that God is real. So it's considered a false attribution by scholars all across multiple centuries since the Bible is made. Because the thing that it talks about is very, it's very different. They don't want you to believe it. Who are they? Keep seeing they. The people in control, like the Rockefeller's. the,

the Rockefells didn't exist. I've seen didn't exist when they said, they didn't exist over the centuries when they were saying it's a false attribution. But people like them did. It was never, not once a part of the Jewish canon, not once a part of the Hebrew Bible. It was not once.

Ethiopian. What the fuck would I care about Ethiopia? Because that's the original, like, the least messed with Bible. There's my little, too. You've got to show, because you're reading stuff, but how do I know that what you're reading is actually? because I've done my research. From what, though?

And you're doing like a five-minute little scroll. From what? Have you done your research, though? Well, I mean, how does anybody do research? You read books, you research things, you Google, you read scripture. I will say this. I mean, yes, I'm closest aligned with Christianity, I guess, okay? But even still, if you can't read that and say because you heard it in the book,

and the book says the book is real that all of a sudden the book is real. I'm going to let's be real about something. No, but that's not how that works. Exactly, that's faith, but that's not bad. That's, well, that's your opinion based off somebody who is not. No, that's faith, it's not fact. I mean, I still do believe in the Bible because I'm, I guess Christian.

This is for me and her. I'm also a realist. I understand that just because if a book tells me the book is real, that doesn't mean the book is real. But it does. Because everything that's happening in the book is real. That's not an actual research fact. But, okay.

About the world. outside of the book of what was happening. So much science points to... Science! Dude, okay, do you know they found Jesus's blood? Like, all of that is real. They found it... They found it... They found the Ark of the Covenant. They found... Yes, they found the Ark of the Covenant, and they tested his blood, and it only had the chromosomes from his mom. So there's facts that have been hidden that show everything in the Bible is real. Like, when the Moses split the sea, they found all of the people.

pieces of the trolleys, whatever they're called. Chariots. Chariots in the bottom of the sea. So there is proof, but they're covering it up in high. There's certain stories of the Bible. They can go back and find the actual artifacts of the story of where it happened and like all of that. But I will say this.

I agree with Caleb to an extent where it's like, I do believe in God 100%, Yeshua, Yahweh, whatever are going to call him, right? But at the same time, I think God has given you the ability to use discernment and also the fact of like being able to decipher a fact from fifth, from fiction not fiction, right? It's so no matter if you're, if you're a human, bro, you're going to have the issue of, okay, yes, I do want to have faithness, but at the same time, I still speculate. I was specular, whatever.

You're just telling everyone else that they're, because this is a part, it is a part of the Ethiopian and Eredian Orthodox Bible. So it's a part of them, but for every other denomination and faith is treated as Jewish literature rather than scripture. So you're just saying that the other people's faith are wrong. Okay, so they give it this way. Right? You're just saying the other people's faith.

I'm not what I'm saying at all. We're all on our own walk to learn and be taught and told what to believe by the Holy Spirit. However, look at it this way. So we've got modern medicine like Tylenol, right? So let's say we're using Tylenol to get our fever down. Well, then we come across some old scrolls that say, oh, you can get your fever down with a cold washcloth. That doesn't make Tylenol irrelevant. What the, that's a human to do that forever. It's a hypothetical example. I'm giving an example. That doesn't make the Tylenol any less Oh, no, you're an author. You wrote a book.

People are reading your book. It's on Amazon. Oh, no. Oh, yes. Oh, no, no, no. Oh, it doesn't have talked about anything crazy. Oh, it has one review. That must have been you.

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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 going to force you to use it his way. That's not very personal finances. Rocket money, they got a lot of commercials, 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.

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It's just true. Yeah. It's great. It's helped a lot of women. actually. It has, including myself. True is. Like, I know attorneys that are giving it to their clients.

Oh, fuck, guys. I just, I don't know what to do. Listen, like, yeah. Now I, listen, was that a financial conversation? No. But does it absolutely suggest how the fuck you probably cannot communicate in this house?

Absolutely. Once you guys have set your own realities and your own opinions on something, you guys are hardlined. You will never be changed. You still got to be flexible, bro. But you guys aren't is the thing. And if you guys have different opinion on finances in this household.

We're married, but we ain't the same. Okay. Exactly. But you guys are married, but your finances aren't. You guys are, and you guys are so hardlined and you will never be flexible on finances. I'm flexible. What are you talking about?

No, you're not. You just, when you went like, You can plead disagree and disregard everything that I do. You are not flexible. I am flexible. You just have any control. Tell me. Tell me, tell me the finances in this house.

How you guys go about it. How the conversations are. She has no idea because she has, one of them. She claims she wants to know when I try to give it to her, she says, oh, you're the man, you're supposed to handle it. I can handle all the weight of that.

You're supposed to lead her. You do it all. But I want you to do it my way. That's what the fuck happens. He spends his money on like stuff that he shouldn't be doing. That is a fact. I won't argue with that.

So my bills are all paid on time. Like, but his, but when he pays my bills, they're late because he'd rather have fun. And also, for what it's worth, I do have to say, when you talk about how it was taken out because I care about this,

The Jewish canon, the Tancan and Hebrew Bible, was largely set by the second century or by the first century. So they chose what they wanted to believe. And the first Enoch was written after that by year 300 or 100. And? It was ran after the Bible was already said, so you can't say it was taken out of the Bible. It was written post-Bival. But it was part of it. Written after.

So you can't say it was taken out. But it was. So technically that means it was added. So you were asking for it to be added. And guess what? I didn't know that actually. So that's interesting. And when the Bible specifically talks about in there.

And I can't quote scripture and stuff. I'm not good enough for that. Okay. You're wrong. Huh? You're wrong. Okay, good. And whatever it says, it says like, it warns you of false prophets and all this

shit in other editions and when people try to add things. It warns of that. And this is additive. But is it? It is. Okay. Off of that subject, right? Like, what he's saying is factually correct, right off of what he's looking at.

If that is a fact. I don't think he's correct. Right? It's like if it was added to it, then he just quoted the fact that you shouldn't believe at things that are added to it and blah, blah, blah, right?

I mean, like, I think even the book Enoch is true, say it is, right? It still adds a lot of confusion and more things you want to, you have to decipher through, things you have to try to not or to believe that's maybe that was a protection from God saying, listen, bro, don't go down these rabbit holes

because all you need to know was about me and only me, you want to know all the facts. Yeah, like all that... That's what it gets, that's what it narrows down to. Well, it's fun to go through in like these rabbit holes, but like truly, ultimately it matters your relationship with the Lord. But when you base your old worldview off of rabbit holes

and you're raising your children based off of rabbit holes, when you raise your children based off of that, that's concerning. Have you told them this? Yeah. That's concerning. But I've also told them the other theories. And I've said it's a theory.

So like the globe. I'm sorry, us going to the moon is not a theory. Us flying around the moon or goes not a theory. That's your opinion. Mars. No, that's not my opinion. Mars exists up there. You can get a telescope and go see Mars.

You could look at it. No, you can see it. But that's not a theory when you see it. But how do you know we've actually been there? That's the thing. We haven't been there. So Mars, rovers are, rovers are we have live feed. Yeah, that's fake.

What? I've never looked at us. So when the Soviets in America, we're in this massive space race, and the Soviets set even a rover to Venus, you're saying that's fake? They conspired together. The two enemies of the world conspired together. conspired together. Yeah.

Why? With the Soviets in America conspired together. I don't look so far into it. Oh! But you just have to say it's fake. Because it is. That's my opinion. That makes no sense.

It does. Everything she says is her opinion. But it's most likely correct. In fact, it's most likely fact. Her opinion's fat, though. You can't argue with them, bro. When I say you can't argue with women, is the definition.

Who? Chelsea? Excuse me? Excuse me? Damn it. So again, like the Torah. That was widely accepted in authoritative by 400 BC. We or Torah.

But Enoch was done by 100 BC. But there's also people who... There are people who... There are people we don't believe in the Torah. The prophets were mostly fixed in by 200 BC. Again, Enoch, 100 BC. Does this make me like correct? Huh?

If I do that, does that make me correct? No, but if you actually read it, But I have read it. But you're doing like a two-minute little reading on Google. Okay. Are you on Wikipedia? Wikipedia is not like a good place to get your information from. Okay.

Where is, lady? Well, lots of places. Okay, very good. But you have to take... From the book of Enoch itself when it's said, no, this is actually written before. Book of Enoch is even mentioned in like the Bible. Where? Google it.

You don't trust Google? Yeah. Well, Enoch is talked about in the Bible. Well, he is, yes. So I do have something that you can look up that's fact that's actually really interesting. In the Bible, where it says in the beginning, if you translate that to old pictograph, ancient pictograph, and then ancient... What do you think your household financial score is zero to ten? Zero being the worst, ten being the best. So is the score.

Well, the trans person was 2.5. And I feel like we're better than him or her. So we're... If you're... If it's a lot of your hammer financial score. Get it for free at Calebhammer.com. just take the assessment. It just takes a few minutes

and you can see where you stand. So take it for free. Link below, Calebhammer.com. And if you don't want to be like guests who end up on the show, make sure you download the Noloise budgeting app. It is great tens of thousands of monthly active uses

for a reason to check out the free trial. And if you like it, sign up for the annual version, because you save almost 50%. And you get my budget-friendly, you get this 30-day meal plan. Yay. And the budget-friendly cookbook, the digital version. But you get this physical version of the meal plan

signed by me mailed directly to you. Okay, so yeah, I mean, you are right. It's mentioned in the standard Bible that most people say. Just in terms of, like, a person, not necessarily doing much. There's only one. He went for a walk once. He was born once. He was the father of someone once.

Okay. I mean, yeah, that's pretty much it. I'm right. You're wrong. About what? About this. Okay. Well, you're going trying to disprove me.

I'm just letting you know. I'm not even that. Just bringing up context of, like, the timing of, like, the actual timing, like time. Just context of time. Okay. And if that doesn't even make you question something, that's a little concerning. Because the people like you are always like, I'm the open-minded person. I'm the one that's willing to consider anything.

But the moment you hear something that actually challenges your conspiracy, it just, you freak the fuck out. Because the- Just time, I just care about when it was written. Yeah, but you can't know the exact time because they've changed our calendar. during our time. Oh, see, that's how you can

never have a conversation because no matter what the world is fake. And if the world is fake, then you can never be right. No, legit. So like it doesn't work. What time?

What year we end now? Well, that part I don't know. Okay. I think it's like 2013. Does it even matter? Why does it even matter? Yes, if you're talking about this, it matters.

Year is whenever we decided we started tracking. If you're tracking. The year is different in different in China. It's different in North Korea. No. The year's different.

Yes, it is. I know, but what you're saying is, it's true but inaccurate because if you're timing stuff, that makes no sense, bro. You're so returting. If you're putting a timeline on something and your timeline changed halfway through. Okay, so you don't trust her with money because she's, like I understand.

I get it. Listen, you're, well, I wouldn't trust you with money either because you're the one laid on the mortgage, but even still, it's just like you're not willing to combine because you don't trust her. We need to have a 13 month, 13 month year with 28 days in each. Why? Why does it even matter? Because it Fs with our time.

What does time you have a matter? That's my question. Hey? Fucking so what? Because if you're going to, if you're going to make facts, like claim facts off of a timeline that isn't accurate, then you can't make that fact. Claim. To be fact. Oh my.

I don't even know what to do with you. So, yeah, you don't trust combining it with her. I don't blame you. I don't trust combining with him. What is going on in the household finances right now? Guys, please, tell me. Well, we did have a flood in our house. that was

No, I'm talking about y'all's dynamic For fuck sake. I'll tell you what it is. She I like I tell me, right? Me, I believe me, have a little fun. Probably only here for so long.

I get money every single month. So I believe in living my life a little bit. Do a couple things I want to do. But you got kids. Aren't they important? The kids can have what they need. They don't have to have what they want. They can have what they need.

But need is a roof over your head. And if you're getting laid on mortgages. We ain't, we're about to lose it. It's only so long that it gets so close until it impacts your credit until it gets Uh, our credit's impacted. My credit has been impacted for years.

I mean, honestly, credit is like the least of my mortgage right now. But people lose their houses every day. You're not in a unique position necessarily. You push it to that edge so many times, then they lose something they need. It's not about what they want. Yeah. But push it closer and closer. True.

I'll tell you this right now, man. Okay, I'll say this. I did make a mistake allowing us to go to Tennessee last year and skipping the mortgage one time, right? I'll say that. And right now, yeah, that's just what I decided to do because we want to go see family. So what I did is like, well, I said, I'll push the mortgage. from the first all the way it's about the, I said, wait until I get paid again, right?

Because we were on track, right? We were. And then I basically skipped the month of the mortgage, right? So I could pay at the end of the month. So the first month, I said, they're not going to take it from us. Let me finish talking, right? And so I did that.

And when I did that, I just haven't made enough money, ever made enough money again to catch up on that. So I'm just behind because of that, honestly, for most part. As you know, finances are a leading cause for divorce in this country. And she loves getting divorced. So this is. I don't love getting, I'm going to pretend that I didn't hear that.

What'd you just say? You'd like interrupt a lot. Every talk of talk, you just want to interrupt me on talking. Well, so, because part of it was Christmas. Like, we had to get them Christmas stuff. But I don't like being divorced. It sucks. And that's expensive.

Divorce is expensive. Do you have a voice? No. Yes. I don't. I have one. I get real loud too, but it defends her. So.

It does. I love when I hear someone say they don't have a voice and then the other person that controls them says they have a voice. Well, because he controls everything. She thinks she controls me, but I just do where the fuck I want. See. So. Oh, so you do have a voice time.

Yeah. But it's quiet. It's not quiet. Have you met him? It's quiet. It's not quiet. Guys, you guys are on a 40-year mortgage. Nobody does that.

Well, that's okay. So, yeah, no, you're right. Nobody does that until you're about to lose the house. And then they offer that. So you almost lost the house. I almost did, yeah. See how close we are that? We've almost lost the house when we have kids.

We don't prioritize fun. Exactly. You don't, you don't, you don't, I can go on and on about that one. But even for me, too. I'll say that for me. I'll start with. me for, yeah, bro, like, I was a dumb ass, I spent a much money on some video games, I spent

some money on some fucking, uh, how much? He could find out, don't worry, I don't even know. So it's a big amount. Like $2,500 a month. Not a month. Get the fuck out of here. It's not a month. I mean, yeah, our bullshit spending's in the thousands. It's insane. Just within a single month.

Getting out, getting the snacks. That's where all over our fucking money goes out there. He has this thing where anytime he goes to get gas, he has to get a little snacky snack. If I gave you the damn money, you do it, you do it too. No, because I don't like getting out of the car to go. And I usually, yeah, Yeah, I know. Yeah, that's where the Jews hide.

I don't like. You're lying at your ass right now. Tell the truth. I am. You're not. I don't like candy because it has food diet. So you don't spend money on bullshit at all ever. I love the taste of red dye.

Well, it's going to give you cancer, so. I'm ready for it. At least I went down having fun. I mean, tomato tomato. That's what I'm saying. Thanks, don't fucking sense, bro. No, dude. This is honestly, this is honestly,

Like partially my real point of view of half the past couple of years. I'm stubborn. Is this asshole? But it's one of them deals where it's like, you know, if I, and I know you're on disagree with this, right? Probably. But my view is if it's not getting taken away and I can get it caught up later on, I didn't worry about missing it for a month, right?

Because of the time. 40-year loan, though, for the consequence. Say that again? But we're going to stay in house forever. The consequence is you aren't a 40-year loan now. Yeah, that was a big mistake. At a 6.25% interest. Not let that happen since, though.

I'm not going to. Oh, you're going to get on a new 40-year-old. your loan sense? No, no, no, no. What I'm saying is, I'm not going to get behind $1,000,000 $30,000 on my mortgage

before they tried to take it. That's what I'm saying. How far behind were you? We're a couple months. Don't exaggerate. A couple months. Well, I think it was on like what. So it's $4,000,

damn,000 a month. It was probably two months plus fees. Two and a half plus fees. Yeah. Something like that. Yeah, your regular monthly is $3,790. Yeah. But I'm fucking crazy.

I want to throw this out there. That's about to go down to, that's a decrease $1,000. because so when I signed for the house, right, I don't, I'm not supposed to pay property taxes, right? They never told me. I wasn't aware that you have to go and apply for the exemption. I thought it was just added into your mortgage. I had no one ever told me that.

Don't you owe the H-O-A like $6,000? Well, that is very true. Yes. And you know they can. People have lost our houses from not paying H-O. And I was unaware of that either. Like, honestly, so the first two years that we lived there, right? This is all me because she didn't really give shit.

I did give a shit. Wait, if you're at home all day, why can you? Can't you deal with some shit? Because she don't want to. Don't bullshit. Don't bullshit. He told me he was paying it monthly because it would only be like $170 monthly. And then I couldn't get into the pool and or no, the gym there.

We have a gym and I couldn't get in and I went and talked to them. They were like, oh, you guys are behind. And I was like the since win. I was unaware you had to pay the shit separately. When I was signing up for the house, I've never bought a house before. I was due to all this shit. I just didn't think to look into it. I don't know I just didn't think about it.

Right. And so I thought HOA's all that shit was tight. into it, right? Obviously, it wasn't. So then about a year and a half later, almost two, let's send me, you know, it's, hey, bro, like, you're behind like five grand need our money, right? And I was like, what the fuck? I thought you'd been taking up the whole lot of time. No, it's a separate payment. But your car's not even registered. Do you owe $1,600 there? I just don't think you guys do anything. Well, on that one, so listen, there's no story on that, right? I always have a story, I know. But so when I bought my first car, right, it was in Texas, right?

Tax, titles, fees, loss, all that was included in the deal. That's how they do in Texas, right? Or Oklahoma. Oklahoma's deal. different. And so it was Arkansas. And so when I had to buy this car, because the car I was driving at one point was paid off, but I'd wrecked it, missing a whole half, the fucking car was gone, whatever, right? Had to go get this car. It's the only thing

they held in a lot for me, supposedly. So when I bought it, I'd never had to pay TT&L, right? And they didn't tell me to do this when I left, so I just didn't think about it. I just had no idea. And then when it comes to the tag on the car, right? They told me, yeah, just transfer

your disabled. Just pay it. Just pay it. You guys make money. Just pay it. We can't because he's spending it on eating out and baseball. Yes. You spend $1,000 more than $1,000. I didn't fucking know. That's the thing.

Okay, but we do now. We do now, though. We know the H-O-A. We know the car thing. And you guys spend thousands on bullshit last month. Yes. Thousands. So just pay it, guys.

Come on. What are we doing? That's the plan now. Capital One, who has this? She got all the debt. Okay. Really? Straight to fuck.

But you don't even make money. Why are you the one going into debt? Well, so this was like before. No, it's now. You spent on this now. Last month, you spent on this. And listen, you pay it relatively down, but not enough to make it not accruing interest. And also, it was, hey, she had a past due fee. So I thought you were getting on his ass for not paying shit on time, but you were past due.

So here's the thing, I was paying it and then I stopped getting money. So. From what? So I was using that and like reimburse it from child support. Why did you stop getting child support? Because he decided to stop paying it. because he's trying to make it to where I can't pay for my attorney. Well, deal with that.

So, but what I'm saying is, like, I was trying to get my credit back up so I can lower my car payment. And so. So you're spending it on Chick-fil-A, Chick-fil-A McDonald's and bullshit? It says bullshit. It's all bullshit. It's a-fuck-you. And interest is accruing.

Like, you're not even just paying it off. But I was because you're supposed to pay it down to, like, 30%. No. No. No. It's you don't keep it above 30% or else to fuck you. Dude, my credit's better than your credit's ever been, and I've never have.

And I've never had interest accrue once on a credit card. But it's only like $30. Doesn't matter. Doesn't matter. I've never had interest accrued once on a credit card. Huh? So you spend like, because it's a $300. You spend like $600.

Yeah. Yes. No. Well, between two. Yeah. No, between this card. Well, then that's interesting. And this card, you spend $534.89 in one month.

Then that's not recent. Oh, yes, it is. It's not because I only had a $3.00 credit. This was a month ago. One month ago. This was last month. Oh, you had a credit card a month ago? No.

No. No. It was only $300. $300, but since you put a little extra towards it, you were able to spend more. I didn't put... Yes, you put $460 towards it. Maybe it is.

I asked you who it is. You said it's yours. Hey, retard. It is a $300 limit. I ain't used a credit card. It is, but since you put, it is yours, it is yours. How are you being confirmed?

Lindsay's telling me. How? She's over, oh. I have an iPad. Technology. It's not all a conspiracy. I haven't used a credit card a long. Well, you see.

And what is it for? Chick-fil-A, Chick-fil-A McDonald's. Dude, if you're conspiracy-brained and you won't have red dye, you'll put McDonald's in your body? I've told you the same shit. I've gotten a lot better because I need cheaper food, so. McDonald's isn't cheaper food? It is, though, actually.

What? You're pretty like all the fast food these days? It's cheap. Dude, Taco Bell's cheap, and that's pretty much it. No, not, though. What? You don't know, men. We spent 40 bucks less than for two people.

Yeah. We spent $40. That's what that shit costs. Yeah. It's expensive as hell to eat out. Pass two. You guys are a nuisance. I know. Well, and I get it from my mom.

She doesn't like to cook. Shut the fuck up. Be your own adult. Visa. Visa! Who is this? I don't know if that's mine. I don't know.

How much is it? Um, the limit's 300, but the balance is 537. That's probably mine. What the fuck are we doing? Why? I don't know if it's mine or not. I can't tell you.

Sick. How do we not even know who's is whose? Guys, I wasn't aware of how many credit cards she had until fucking yesterday for her past due.

I didn't fucking know this shit. How have you guys not had one conversation? Because supposedly she doesn't have any money has no credit cards and no money

tells me all the time. So why'd you lie? That's against your faith. First off, I did not lie. You ain't told me shit about no credit cards that you've had.

Secondly, no, I've told you that's all max out. Or you'll get on me and you'll hide them from me and not tell me about it. So I don't ask to use it. That's exactly what the fuck happens. No. Yes.

Your minimum is 278-07. That's not your normal minimum, but that's what it's due because you're over the limit. I know. It's probably like $30 normally. Well, and they shut it off. Well, they should. Thank goodness. None of mine are shut off, so that thing's canceled.

I'm not seeing it as closed. You don't even know what card this is. You couldn't even decide whose it is. Well, that's his. How do you know? Well, you just said this. No, he just said it was his. I don't know if I have a visa.

I'm pretty sure I don't. Well, what's positive, I don't. Okay, it's yours. I'm being told it is yours. Okay, cool. All right. I mean, I heard the 500 more. Mostly service fee, late payment fee,

interest being charged, and your account is currently closed. That one, okay. That's what happens when we just don't touch it. We don't pay attention. Guys, this is a fucking disaster. Indigo. That's fine. Oh, thank you.

We know. We know. Yeah. Okay. Well, you owe a $500 credit limit, $965,000. cents. Why do military people just suck at credit cards? I don't know, man.

Especially when you're getting like unlimited money for the rest of your life. Why? Why make it even work? I'll say this. Hold on. No, listen. Well, that is the fact, kind of, sort of kind of, right? But I will say this. There was a point in time I applied for a bunch of credit cards all around the same time, right? And I was out of a job. So we used a lot of this stuff just to kind of buy what we needed and also what we wanted

around that time. I don't think that was around Chris. I think that was a different time. This is the balance as of last month, guys. What's what I'm saying, I haven't used that card. You can't. You're doubled the limit. Or paid anything on it and probably a hot minute. Yeah, it's an $88 minimum.

I mean, before it go to collections, you may as well do this. But doesn't it fall off when it goes to collections? I mean, you're blaming to Lindsay having a job making $200,000 a year is why you have bad money. Like, what the fuck? Well, you said what? Huh? You were blaming having a job making $200,000 on why you're bad with money.

I'm being told. Well, okay. in a sense, yes, because when I did have those cards, that's when I was working at Lifetime. And at a lot when I was, so I was using the money, I was using the cards, right? And now when I switched jobs from lifetime...

Why would you do that? Go make more money again? Because, well, I don't really want to go back there, I don't think, because I think the client tail has kind of died down, right? But anyway, I moved on a different job. They had a guaranteed salary of like $80, right? At the time I was making more than that,

but I was okay, that sounds like a guaranteed money. I was on doing the same thing anyway, except for my manager, blah, blah, blah. And then that job literally went out of business, bro, like a month after I joined them. They just shut down shop, left, whatever. So I was out of the job again. Why don't you go back to Lifetime? Uh, they wouldn't. So when you

when you leave lifetime, no. When you leave lifetime, you can't go back for 60 days. You got a job or even attend the gym for like two months. So that's why I didn't go back. That's like their little policy or whatever. But. Okay, well, you're getting fees, fees, fees late, late, late. Just be an adult and pay it, dude. Like, I don't know what to tell you. Just being a fucking adult. Well, that's why we're here. Oh, that's where you can pay the fucking card. You guys make good money. Yeah, I just choose not to, though.

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or go to Calebhammer.com. And remember, you've still got to do the work. Yeah, but these are still all in decent standing. They're all being charged. Yeah, it's double the limit again. Over double the limit. They're not. $647.63.

$85 minimum fee payment. Again, it's over with fees and bullshit. It's so stupid because these are balances that you could pay off like this with your income, but you just spend all your money on bullshit. Yeah. So does it matter? Capital one.

Capital one platinum. That could be more me or her. I think that's mine, though. Well, it's at maxed out and money is being spent. Do you spend on a credit card? I don't. $501.66 was spent on this. I don't spend money on my credit card now.

I haven't spent money on a credit card a long time. Oh, my, Jeff. Come on. You just did on that first card we looked at. Well, unless it's something that's a recurring payment that's trying to come out, then I haven't like. All the Chick-Blaid McDonald's that I saw being spent on the first credit card was not you? Not recently, no.

What? That was last month, April. Well, you'll be telling me you ain't no damn money or anything. No, I haven't spent anything in April. So you just can't even agree who's going to Chick-filat and McDonald's? Yeah. You can't tell me. Well, no, because I don't have to play McDonald's.

Every once in a while, yes. I don't go to McDonald's. Fuck that. I don't go to McDonald's. Oh, it is you then. So you do spend on a credit card and that was last month. You can't tell me you're not. He's literally seen them.

Like, I don't even have me in my wallet. Remember like they're nothing? Brother, it was the first thing statement. You can see it yourself, you actual creature. I would like to see it though because I don't. Here you go. I don't know what to tell you. See, it says returned because like nothing.

No, your payment was returned, you fucking pathetic warrant. Not this right here. My payment was returned? Yes, because you didn't have enough money, and you're checking the payment was made. April 2nd. Oh, shit, that was returned. That's not good. So you had a $1.

That's not good because that was to something that I'm going to have to call her. When was that? What do you mean? Who's her? What do you mean was this something? See, this shit that I don't fucking know about. $298. $0.35 with the $25 with the $25 minimum fee payment on this card.

I gave you the money for fucking money. And guess what? Hey, we don't spend on our credit card. Well, you F-daugh-Dash a Panda Express. That was me for sure. Okay, so you spent on this. And yes, you have the reoccurring Netflix, but you also door-dashed.

Nah, I don't know, dashed. And Apple bill $30.79 since, who the fuck knows? And then Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Apple Bill. That's her ass. So you haven't linked, did you auto-do it? Show me your Amazon. That's your eyes. Open that phone.

So Amazon could... So my Amazon! Yeah, yeah, it's you spending. Shut the fuck up. I don't get a shit. You were doing it. Shut the fuck up. School stuff in the middle of the fall,

the spring semester. Yeah, you have to plan. Yeah, we spend a lot of... Home school shit. And that is an intense Apple bill of $30, by the way. Because there's probably multiple accounts that she has and she doesn't track anymore, so they charge the name things. So you can, yeah.

Which means you restarted accounts over and over and over. Trust me, I'm going to be looking through both the all's phones here in a bed. Even, that's hers. That's fine. So, like, my daughter needed shoes. I got her shoes. I don't spend on credit cards.

Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. But look, it's all kids stuff. Give. You're still spending it as money going out. Yeah. That doesn't, just because it's kids... Hey, just because things are kids doesn't mean it's all of something good.

Why are we screaming for dogs? Even for the kids. For the audience. Ow, dog, quit. Okay, first of all, this isn't for kids. detox Z? Yeah. Well, those shouldn't,

those are, I usually cancel those. Okay, no, they're arriving. They're not set to cancel you. Yeah, I know. I need to cancel that because I didn't know.

I got that for the show. Again, you're not even wearing it. I know. Because I didn't have a right for the show. Site words, a calendar. When I got paid. Yeah.

Full focus test prep. Okay, that one's actually fair. A notebook. Yeah, swimsuit. You got Liosi, sexy tie. Chris cross plunge. And then another bathing suit for your yourself. So no, this is all not necessities.

It is. This inflatable thing is not necessity. I bought the same. I bought the same. Like, all the shit is like, do you need all this? No. It's a nice, yes. See, it's school stuff. Not all of it, though, you pathetic. Yes, I've got four kids. No, it's not all this

this. Only two of them really. Child group levy. That's fine. 21 things in your cart. Oh, well, that's just like stuff I don't want to forget about. Future stuff she might want. Yeah, like enough of shit around you. It has a rings. Uh-huh. Rings.

And my daughter's birthday's coming up, so she wants that stuff. We need rings for. Lots of cows. I got a stack. A complete Ethiopian Bible. For kids. Oh. I mean, you spend so much money.

I know. But he, but. But what? What are you doing at home? How much is added up from Amazon? I'm schooling your kids all day. Yeah. Okay.

And then I go to work. Do you have to do any of the house chores? No. That's good. When I'm home, yes, I do. No, he does not. Oh, what does she make you do? No, he does not.

What does she make you do? I'll pick up, I, let me rephrase. I'm getting troll. I pick up our mess. I do the dishes. You don't touch the damn trash. I take the damn trash out to the fucking curb, anywhere else, right? But I touch a dishes, though, right?

That's a woman's job, right? Supposed. Sometimes. Whenever you guys decide. When the shit stacks up for a week straight, yeah, then I pick the bids up for a week. I help you. Don't play. Sometimes.

Don't play. Then why are you on your phone for eight hours a day on average? Because their school is on there. Okay. Well, good news. It will, in fact, tell me exactly what you're doing. Yeah, go look at Facebook and Instagram real quick. Actually, you know, go to TikTok.

Look on that shit. Yeah, so last week it was 17 hours on HBO. Oh, well, I do watch TV at night. She watched the same show. I watch the same show. I go to bed. Yeah, I go to bed and I fall asleep with it on. Facebook, 12 hours.

Texting on, who are you texting on message? for 10 hours a week? Yeah. And my mom. Okay, we'll go through those in the post show. Apple Maps for eight hours. Okay, but that's probably the thing. But Instagram for six hours.

GPT, three hours, YouTube, five hours. I didn't see any school things. Well, like YouTube. So why is he doing chores if you're working on? If you just are on HBO. Well, he's not home kind of right now. I'm home a week on, a week off right now. And before it was only on the weekend.

I'm, I'm away quite a bit right now. We will be going through things later, deeper in the post show. May I tell you what, though? You're going to piss me off, dog. You don't tell me, I'm wasting money and shit. Oh, now there's McDonald's, uh, H-T-O in Amazon. You eat out too much, but here we are with McDonald's and all kinds of bullshit. Uh-huh, and fees an interest in bullshit.

But I'm the asshole, though. What am I looking at with this credit karma? This is insane. This is on our shit. That one's his. Let me see that real. Okay, so you have one. Maine but that it was closed because you probably didn't do anything, right?

Yeah, actually, I pulled it out. I never paid a dime, so. Huh? Pulled it out, and I never paid a dime, so. Okay. Does that not feel morally wrong for you, especially as a Christian? At the time, it was needed. It was like a must. Okay, but I can still pay for it. I agree with that. Yeah, you're not lying. But I choose to do things.

See, a little bit of an impulse control problem, I would say. Honestly, that that's my biggest issue. Develop coping mechanisms then? Well, I mean, if you want to dig in, now this, I'm not saying it's an excuse by any means, right? But for a while, I've got what's called, what do I have? I've got BPD, right? And so for a long time, I didn't realize this. Now I'm taking medication for it.

It's helped a lot. That's good. Happy to hear that. Yeah. Nebraska Furness, I think, and per pay, per pay $967. I bought a trampoline with that one. And then you never paid for it. That's great.

And then Furness. Never did, bro. Never paid for that. $2,000. I don't need credit right now. I don't give it too f*** for credit. Yeah, but it is still you received the product and didn't pay for it. That could be more realistically wrong.

But guess what? I guess how much the... Here's my view on that too, bro. I've been a business owner before. Every company makes so much damn money. You've been what? A business owner before. Sorry, I know it's not a damn...

But goofy. What do you want to call me? Whatever, right? But I've owned a business before. I know what profit margins are. I do it even right now, bro. Most people's profit margins are astronomical. No, it depends on a grocery store is 1%.

But it depends on what you're doing. I mean, ours are in roofings over. They're 55 or 60%. Grocery's clothes all the time. What do you mean? Like, shut down. Even Walmart's clothes. No, no, no.

I'm saying like the amount of people that come in there, they can take that little bit of a hit because they're producing so much. That makes nothing to it. So, still, you're okay with it. No. The Christian man. I'm not going to say what I think is right by any means. No, I'm not going to say that. Hey, why don't you pay for it today?

Because you don't have money. I ain't got the money today. That's for damn sure. But. Yes, you do. I don't. You guys bring in 11,3006 a month. We bring in more than that.

Huh? How do we bring in that? Usually you bring $1,000 a month. My sales can differ. Plus, he paid a child support last month, so that should be coming in. Okay. They thought he's going to.

Notting a thousand for her, and then hopefully a child support. That money should be coming in. It should be. It should be. Sorry, it was a Nebraska furniture mark. And then you didn't pay for it. A firm,

2346, but it needs attention. I can't remember what I use that for. Yeah, it's been charged off. It's already fucking in collections. No, no idea. Well, how come, like, it says charged off when I go to collections, like, those aren't in the collections?

Oh, maybe this one hasn't been yet, but, oh, an additional firm, also charged off, 201. Yeah, that was for, uh, same with credit one. It's like 1,478. But a lot of these are pretty cold. Never lend to this man ever again.

Hey, when you're ready to get back into the, since you spend all your time on the phone and you want to actually provide a society, And get a job. I'll get you a course career certification. So you can get back out there. Oh, Discover Card. This one's actually, no, this is charged off.

She's about to go to school soon anyway. I am. Four? To be paralegal. Who's going to take you seriously? A lot of people take me seriously. Incorrect. First credit, or 2,100.

And it's just keep going through it. You're just accumulating tens of thousands of dollars of, they're not in collections. Yeah, they're just. Who is that? Is that yours? I don't know. All the student loans.

Who has all the student loans? That would be me. Okay, well then, yeah, that was your class. Well, mine are all paid off. Well, see, there was a miscommunication. I thought my grandma was going to be paying for my, like, my schooling. Hey, y'all, it's Kelly Clarkson with Wayfair. Ever order furniture online and wonder what if?

Like, what if it doesn't hold up? That sofa was four days old. You should have ordered from Wayfair. With Wayfair, there's no what if. Just style you love and quality you can trust. Visit Wayfair.cair.ca. Wayfair, every style, every home. She has been.

What the fuck do you want? Yeah. And then it got put on hold. Deferred. Yeah. Okay, so student. Well, you also owe your grandma money I see is coming up soon, so we'll figure that out. She'll get it when she gets it.

Okay. That's not true. Well, kind of. 9,854 for student loans. Are you making minimums? No, because they had stopped the payment. They just started up again. Good.

How much? I don't know. Brother. Why? Sister. Because I didn't have. I haven't called yet. I'm gonna assume it's like 100.

Okay. What the fuck is wrong with you? Pay your shit. Yeah. What is wrong with you? People, aren't you supposed to be the morally responsible ones? Well, see, that's the thing is we are sinners by nature and we're trying, which is why we're here. You're what?

We're sinners by nature. Well, do better then. I'm trying. That's why I'm here. You're fucking taking loads left and right. Not paying shit. You're crazy. I mean, if you look at the dates, something.

Getting divorced, you're not to... Wait, did he say loans are right? loads. Loads. Loads. Loads. Loads. Loads.

I did say loads. Oh, loads. He said loads of loans or something. No, loads. She's getting breeded. By like 50 different men constantly. No. I haven't done that in a long time.

Yeah, a couple years. Lots and lots and lots and lots and lots of years. I'm just adding up your collections at this point, guys. This is insane. As for just so many different things. That's paid off. Okay, well, minus, uh, That 1800, right?

No. Which one is that? 415. You don't even know what I'm looking at. Oh, 415. Well, the other one says close, my bad. That's the only thing on my account. That's shows collections right there.

That's it. Everything else is either... It's closed, which means you've got to start making shit. I don't know what your minimums are. That motherfuckers will be close for a long time. They say nothing to me. A potentially negative. Dude, you're minimum...

I don't even... We have an additional... There's more. It's like 3,2,26.9-7. But, like, I don't even know what your minimum normally is. Monthly. it's like an additional $2,000 so far. Like, this is crazy.

But you didn't send this statement. But we're not the word. Let me ask you something real quick on a lot of these collections of sheets. Supposed, quote, unquote, collections. These aren't, never mind. These aren't collections. A lot of them have the minimums. They've stacked up to about 2,000.

But they're charged off, right? A lot of them. No, not all of them. They're like closed, but the minimums are still active because they're not sold the collections yet. What have they been on? Will they've been on that? And it's hard for me to get true insight

because I'm just seen it through the credit report. So it's not even showing me. There's an additional 15,241. I guess what I'm saying, though, is like, a lot of things you're looking, a lot of things that you're looking at, are they not going to eventually fall off anyway? No, because they haven't gone to collections yet.

So there's an additional seven years once they do. Interesting. Whenever they go to collections. This cash app, we have some money coming in. That's really not that. I prefer chime, but you do you. It's not. Jam and toast for forever.

Subway. Einstein's um Kesheps up Doner Express, Chipotle, Apple Bill, Apple Bill, Chibolay,

vending machine, bagel, service works Cheapole. It's all bullshit. Yeah. Going in and getting some bullshit. Yeah.

A couple samples. That's good. Instead of going in against a bullshit, make your energy drinks at home. It's very goony stuff, but it's actually tastes better than the energy drinks you do.

I promise you that. And it's 40 cents a serving with the 10% discount code we got Caleb. a little bit, gamer subs dot GG. Link in the description below. Get your free samples, figure out what flavor you like, and then make your energy drinks for 40 cents.

It doesn't have like the tingles. It doesn't have like the tingles. It's a proprietary blend. You need the tink? What do you mean tinkles? She's talking about a pre-workout. That's what she's talking about. So that's just an energy drink.

Yep. Yeah, so you stop thinking out of energy drink. Overdraft, protection, overdraft, overdraft, payment, payment, payment, overdraft. Energy drink, overdraft, overdraft, overdraft. Yeah. Yeah, no, you guys Pizza Hut, Tom, Thumb,

Vending Machine, Roku, energy drink. Dude, you just got to do gamersubs. Taste better, and it's so much cheaper. It's like making your coffee at home. That's you getting damn energy drinks, though. No way. That's your stuff.

They are so dead. I don't know how you guys have survived. Overdraft, overdraft, overdraft. This is crazy. Coles, Roy Hutt, Apple, Apple. Oh, damn. Is it a good flavor?

I don't know what flavor it is. No, it smells good. It just kind of hit me real hard. me. I was like, no. I want to try it. It says on the package, do not stiff. Because you're probably going to have another heart attack. Vapor company, debats, I hope you don't, but I'm going to send you guys to read

who helps us do finances here because, listen, he's going to just need access to your accounts. Because with the way you did it, I can't, I'm going to do a budget for you, obviously, but I couldn't perfectly calculate shit because it was all in the credit report. I need your statements. And your shit is such a mess It's impossible to see Well, that's the only statements I have Is the cash shop right now

Well, no, there's statements for the close The accounts are closed They're still accruing interest I don't know what the minimum of the payments are I calculated them to I don't know how to get into this A lot of mine are 40 bucks Almost all of them about 40

About $40 And a lot of them are just behind That's why they're showing even higher So okay, let's see Let's pretend I don't pretend Don't pretend because like I have to though

He doesn't have the But you Use your... I'm upping them. I could tell you what they are if that's allowed. Well, yeah, it's allowed. What do you mean? You have them?

Why haven't you cleaned your fish tank? Shut the fuck up. But it needs to be cleaned and they're going to die. Let's see something here. She's been alive. Well, I say that. That's not what I heard. That's not what you heard?

She's been here forever. Are people secretly replacing her that I don't know about? Probably to make you feel better so you don't cry. I wouldn't cry. I bet you would. It's a fish. Why can't you have mint? Why don't you like mint?

Why do I not like mint? Because I don't like the flavor. Why don't you like the flavor? Why don't you like the flavor? Exactly. Shut the fuck up. Damn. Your mortgage is $3,790.

And $8. I have your minimums for some things. I have $626 so far. But I don't know. Right now currently for... Is this accounting for all closed accounts that you don't even know about? I don't know about it.

I have no access to the time. Exactly. That's the point. That's what I'm missing. So then how do we fix that? So I have to guess. That's why you're going to sit. down with him and he's going to go through your own

fucking accounts. Read. You'll know, bro. You'll know, sure. He's our extra guy. I'm going to pay for a session. I'm guessing an extra 480 plus 626. This is on just the conservative side but I'm guessing your extra minimum fee payments are $1,100

and might be lower. I don't know. Okay, what's your utilities? Gas Electric Internet all combined. So, that's a him. This will be this is probably a more or less average. right now.

But if you look at electric, it's around 160. Gas is usually around 79, 80. If you look at water, let's say like 175. Gas, electric water. Internet is around 45. Okay, so 460.

Gas, room, room, drive, drive, both of you combined down a monthly business. Average. I'd say on average, let's say about 550. Give me take. Phone bill? Phone bill. Mine's a 175 versus 60.

Sounds like you got something good like helium that most people should use. I'm just on my mom's plan. Oh, great. Okay. Car insurance. That's around 350 for both of us. Necessary food. I'm guessing you can do about a thousand. Yeah, there you go. Use the meal plan, meal plan and your meal prep. Five kids.

Yeah, you're meal prepping. All these dumb ass snacks and shit. Yeah, snacks. Your meal prepping, that's the thing. You're eating a lot of the same meal. over and over again. No, I know. I like that. That's fine. Okay, your household has one more kid than mine, yes. But you know what my family did on a tight budget? Just white people tacos and spaghetti on repeat. It works. Well, we do that. Well, there you go. You're fine. And chili. It's perfect. $300.000. $1,000 is fine.

But I need snacks. No, you don't you know. Every two hours every two hours every two hours. Every every two hours. The kids need a few hours. You can get a thousand. You can get a thousand. It's fine. If you find anything else need to survive for you and the kids, I'm giving five hundred because the at home school makes it makes it hard. Well, there you go. But you also eat out like crazy. Medical health care, their co-pays? Yeah. How much? Occasionally.

I would say. Do you trust the doctors? We don't go that often, but it's just kind of hard to say on a monthly basis. I go to a doctor that is more naturalistic, but Nationalistic is not a word. How much? I would say like 30. Did you have like a failed home birth or something?

It was not failed. If there was not failed. Have any pets? We have three cats and two dogs. Yeah. F*** them. But it was. wasn't failed.

What? What? Fuck which ones? Ficking cats, dog. Okay. We're ready to get rid of them bachelors in a heartbeat. Why, what's wrong with them? I hate them.

He doesn't like cats, but they're sweet. Okay, well, good news. $250 for pet insurance because you have so many animals. Yeah, we ain't paying that shit. We don't have pet insurance. If they die, they die. Oh, why? Because if something happens, you can't afford to take care of them.

They can go. Well, they're inside animals. Exactly. And if something... I'm not even explaining it. 250 for pet insurance. Guess what? They're gone.

I know. So why do we need the insurance? That's how I see it. So you don't care if they die of the cats? No, I do. I'd be really sad. There you go. So are you going to save their life if something or to happen?

Because that's what pet insurance covers. We can't afford it? No, he ain't. What pet insurance would make so you can. Oh, my sister had that. But if they die, you still have to pay for it because it's like a thing. Yes. Oh my gosh.

I hate you. But he's saying if you get to him to the doctor. How much for fat food a month? Like 50 bucks. And cat litter, put that in her. Yeah. How much? 70 now?

No. So for the cat and dog expenses, I would say maybe $100 every six to eight weeks. Okay. So 50 bucks. Okay, whatever. It's not, no, because the litter is not that expensive. And the food. I'll try to give you 100 bucks.

I don't know. Okay. Let's see. Guys, this is such a mess. Like, I don't even know what this. This is like the, it's the worst budget I've made. No. You don't even understand.

You just say that to everybody. No, it's the worst in terms of it's so. scattered. I don't know how true it is or not. Is this real accurate, though? We have bad debt, 87,000? Yes. Plus student loans and plus a lot of shit like that.

Shame. But it's fixable. Probably have logo room. It's fixable. Yeah, sure. I just don't know if this is accurate, but $8,500 to survive is what you need to make your payments

and everything on time. It might be $9,500, but either way, if you're bringing in that $13,000 a month that you said you are, then it's like, yeah, I need that. Then with all your debt, first federal, okay. So 597, your total debt situation is $597,266.27. Minus $498.014.93 for the mortgage and minus the student loans of $9,854.

So debt to pay off in 90,000 hours. Basically, with your addition, I'll give you fun spending a 500, but again, that's if the payments, that's if the payments aren't higher, if they are, get rid of it. So that gives you an extra $4,000 a month of support towards that maybe,

which pays it off at under two years. So you can have fun and probably pay off all your debt in under two years, a month. Well, you didn't say a month. It's all a monthly budget. Well, you pay off in under two years and then six months to get a fully front of an emergency fund. That's if the debt situation, you're going to sit down with Reed and he's going to go further under debt.

Listen, guys, this is too impossible. It's too impossible. I didn't have your statements. No, it's impossible for me to give an accurate number. I couldn't get access to all the stuff that's on charge. Exactly. That's what he will help with because he has more time. Guys, let's get the Hammer Financial Score and then going to the post show.

There's more things. There's more things. She's hiding shit from him that we have. haven't even gone through. We're going to go into the post show. There just wasn't time. There's, they're planning a big vacation. I'm going to go through their phone, figure out where that all the apple shit came from, see what they're hiding from each other, see how she communicates in their tax. It's always chaos. The post show's incredible. Let's get the hammer financial score, though. Spending in a budget, you technically didn't overspend, actually,

surprising. But you certainly put money towards bullshit instead of paying off debt. So it's not good. I'll give you two out of ten best I can do. We're lower than the... Two out of ten in your spending in the budget category. I'm going through every category. You're dead. There's collections. So zero out of ten for that. Emergency fund, there is no saving

zero out ten retirement. Is there retirement anywhere? Well, my money's guaranteed for life. Yeah. I mean, and I have, I think we deserve a point. Yeah. I mean, technically, dude,

like, I mean, I know this is kind of iffy. Like, if it's Social Security stays in packed for that long, great, if it does, we might lose it, but the VA money is for life. Well, Social Security, 2032, it gets cut by mandatory 25%. Maybe. No, it does unless we readjust something. Like I said, maybe. It's a maybe.

They said that shit years ago, too. Well, yeah. And then they lifted the retirement age. Oh, okay. But mine's disability insurance, though. Yeah, it infects everything, including some Medicare funds, Medicaid funds, too. Well, I don't give you a shit about Medicaid, but. No, but, okay, two out of ten.

I'll give that. Real estate, you own a house. The four-year mortgage is fucking crazy. The interest rate isn't great. What's the house worth? Do we know? I think we owe $4.98. It's worth like $4.85 right now.

No, it's not. Yes, it is. It's not worth. We'll be freaking. Hey, how. House. At least you're in the market, but I'll give you a three out of ten. I'll think we owe four.

I'll do this yesterday. You owe 500,000. No, we don't. It's $4.98. But your most recent statement, and that's all that matters to me, so I don't give a $1.000. Okay. Okay.

That's your most recent statement. Hammer Financial score 1.5 out of 10. Guys, there's so much more. Go fuck yourself. There's so much more. There's so much more to happen in the post show. Join Hammer Lee for three premium shows every day, six days a week. six days a week, get your hammer financial store,

Calebhammer.com, get it come. I'm going to kill my sister. Okay. See you there. You told Jen that you feel like you have to secretly hide and save money from Luke. I got to save money, but you spend the motherfucker and then bitching me for spending money. Makes no sense. He won't pay my bills. Like, they're late. But I've never been able to.

He paid for your attorney and he still thinks that your kids are in public school. He doesn't think they're in public school. He thinks they're in a private... You are evil. I have an exclusive offer just for you. But there's only one day left to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch.

Plus, I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join, and that's a promise.