Financial Audit - The Most Insane Debt I've Ever Seen | Financial Audit

Episode Date: September 26, 2025

▶ CRAZIEST POST SHOW- *SHE HAS A SECRET DEBT BEHIND HIS BACK* This is insane. I fully expose her to him, and the conversation goes off the rails... things get exposed that I couldn't even imagine... wacth here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶ *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ ▶▶▶Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. ▶▶▶▶ *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 Try Rocket Money for free: https://RocketMoney.com/caleb ___________________________________________ ▶EDUCATION: 1. Get your own free Hammer Financial Score: https://www.calebhammer.com 2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ ___________________________________________ ▶RESOURCES 1. *I'VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 8.1% APY, and up to 3.5% IRA Match. 2. Checking & Savings: Get up to $500^ before payday when you sign up and set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-mypay 3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ___________________________________________ Chapters: 00:00 Intro 05:46 lol 16:57 lol again 34:43 whats her f*cking problem 48:17 thats a first 01:06:48 the concept of friendship is foreign to the caleb 01:22:53 but wait! theres more ___________________________________________ ▶More Content 1. Financial Audit Follow-Ups here: https://www.youtube.com/@financialauditfollowups 2. Caleb Hammer Livestreams: https://linktr.ee/calebhammerlive 3. Livestream Cutdown VODs: https://www.youtube.com/@livecalebhammer ___________________________________________ ▶EXTRA 1. My socials: https://stan.store/calebhammer 2. Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply ___________________________________________ ▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. ▶Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

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She spends a lot of money. You're totally just going with this? Well, I just, I don't know. He's just the man of the house. You're getting on her at the beginning? Yes. You're getting on her fucking a fucking a lot. Maybe you should have put it in her ass so we don't have a kid coming.

Sign up for the new and approved dollar-wise budgeting app. Take the free trial and if you like it, sign up for the annual version to save a ton of money and get my budget-friendly cookbook signed by me and mail directly to you. And for limited time only, if you want to bundle all of my educational programs together with the budget app, join Dollar Wise Central and save 80%. Take the trial and learn more at DollarWise.com. Hi, I'm Cassie. I'm 29 years old.

Hi, I'm Andre. I'm 33 years old and we're from Oklahoma. And this is Financial Audit. Thanks for coming down to Austin, guys. What do you do for a living in Oklahoma, Cassie? You're the one in front of me, so we'll start with you. I work at a child development center. Very good. What do you do?

I work with one-year-old specifically. What's your job? It's like a daycare. What's your job? Is there a title? Program assistant. So basically I just handle lesson plans and supervising children. Cool. What do you make?

22 an hour. How many hours a week are you? 35. Okay. So it's hitting the account from your pay on a monthly, biweekly, whatever basis that you are tracking. It's around a thousand, sometimes it's about a thousand per two weeks. Okay, so $2,000 bucks hits a month? Yes.

Does that sound right, Mr. Andre? Yeah, it's between $9.50 on the line and $1070 on the high end every two weeks. So we'll say $1,000. Andre, what are you doing? I'm a maintenance engineer, I believe is the job title. Cool. What are you making? 22, 81 an hour.

How many hours? 40. Good. It comes out to about $1,300 every two weeks, so $20. $2,600 a month. And that's a net. We're talking net. This is what's setting the account for both, right?

Yeah. Okay, so $2,600. So at this point, you know, we're looking $4,600 as far as the total household income. You know, yeah. $55,200. You're around like the median U.S. household. If we're talking net. Oh, sorry, go on.

We also have tenants, roommates that pay us rent. Yeah. Okay, but that's just, we're going to calculate that against your rent, I guess. No, I mean, okay. Well, sure, what do they pay? $450. It just went up because our... Do you guys home?

Yeah, we're paying a mortgage on the house. So they pay $450 a paycheck because they don't want to pay one lump sum, but it's $900 a month. That's all utility is groceries. So we're house hacking. And if we're house hacking, that means one of the largest things that's typically our overhead on a monthly basis wouldn't be impacting us as much, meaning why are we struggling? Would be my immediate question.

But before we do, again, you are... In like that median household income in the United States, Oklahoma, cheaper state for sure. How are we doing? What? Day to day, I don't know. I always have the philosophy of, like, we're fine because we're not. We're fine until we're not. Kind of fine until we're not.

When's not? Do we hit not? All of our monthlys get paid, but there's no wiggle room past that. There's no emergency fund. There's no. Do they all get paid on time? Unless we forget. Yeah, for the most part.

Why would we forget? Because I don't do auto pay. You don't do auto pay? No. Why? Oh, man. I honestly don't have a good answer. Okay.

It's a terrifying thing. Auto pay is terrifying because what if the auto pays two days before my paycheck. Like I said, we're paycheck to paycheck. We're fine, but we're not. Why are you paycheck to paycheck? Because she spends a lot of money. I spend a lot of money on her, but still spend it. So it's thoughts on that because that's a heavy thing to throw out

He spends money too but Why you throw it right to her then? Because she was the majority of our spending For most of our relationship Well how long is our relationship? Are we married? Yeah Married since 21 together since end of 19

So are we saying all throughout that She's been spending the money? Yeah She's saying no I mean Well tell I need the full story here tell I mean I don't think I would say I would spend most of the money.

I just, he spends a lot of money on stupid stuff, too, but I just like to live for, like, I don't know. I like to go big and go home. I like to do all the fun stuff, so. What does that look like? What is that? A lot of Starbucks, a lot of fast food, a lot of gas stations. That's go bigger going home is Starbucks fast food gas station snacks?

She always needs the newest, biggest electronics constantly, and I facilitate it. newest biggest electronics are not cheap. Oh, I'm aware. I don't know what you're considering to be the newest and biggest electronics. Okay. Yeah. And what is our relationship around money as a household? If we're immediately throwing with the, oh, she spends all the money.

And she's like, well, she spends money too. So I don't know why I'm saying that. What the fuck is the relationship of money in this household? Separated for most of our marriage until about two months ago. I mean more of the communication. Oh, yeah. Oh, no. She says she wants a thing and I make it happen.

Why then? If you sound like you're having an issue with it, why are you make it happen? I didn't have an issue with it until now because we're expecting a baby. So it's becoming a problem. First? First together. I have two from a previous. It's my first baby.

How old are those? 13 and 10. A kid's coming, huh? Yeah, so that's the kind of driving. How many ones pregnant are you? I'm due next month. Oh, fuck. Yeah.

And now you're like, yo, stop? What's one month to go? Well, the yo stop started a little while ago, and it's just now become a forceful effort. Tell me. How's that looking? It's a bad habit to break. I made us get a joint bank account. I say made.

She was willing. But I made us get a joint bank account, and now everything is paid out of the joint bank account. And then what's left, I moved to her account. So she has a spending amount each paycheck. An allowance? Yes. you're giving a Does that come in from her pay as well

Then if it's joint No the pay is as a skew So when it all goes into the one account Whatever's left I just give to her Because I don't really need spending Into the one account Both paychecks are hitting Yeah

Both y'all Yeah And then you give her money from that Yes Into my You're giving an allowance You're about to be a mother of a child And you're being given an allowance

How does that feel? What the fuck is going on. That's weird. I mean, and sometimes I feel bad because sometimes I feel like he overspins out of our personal account and then, like, he needs to borrow money for me to, like, pay for whatever gas or, you know, whatever he needs. That's inaccurate. What?

She is never, in the last three years, maybe, she has not swiped her card for me from once. But I feel like sometimes I have to, but. But I don't let you. It's been a fight. in the past. How does it feel like that then? I'm confused. I'm confused how this is actually working

if you don't swipe. Like, I just feel like I have to keep it. Like, I can't spend it on. I can't spend it on stuff that I want to spend it on because I feel like if I don't have it, we're going to need it. But he's saying in the last three years you haven't. Needed it?

Yeah, I just, in my head, I'm like always afraid that we're going to need it. So I'd rather just like, feel like I can't spend it. And then I always end up spending it all that way. I can tell you how it goes, she saves the money in case I need her to spend it on stuff and then when we're three days from payday she blows it all on her stuff because she's like

oh he's good yeah but that's i don't know how her brain works but that's how she enacts it every paycheck since the on of time okay is that why we've allocated an allowance what was the decision around the allowance because that's again the allowance was hopefully it will keep her from just swiping the joint account card constantly if she can go to her own account and wait was she just swiping the joint account? No. Were you just going out there blowing money? No, the allowance has been since the joint account started,

so she has not been swiping on the joint account. So the fear was based on... Like before when we got paid, obviously the money would go into my personal account, and then I would just pay whatever bills he told me to pay, and then I would just have the rest of the money to just blow on whatever I wanted. So like...

Yeah, so I had her covering only three of the bills, and then everything else would come out of my account. and then with the baby and everything I just decided to join account because we need to build it. You're totally just going with us? Like, do you want to go with this? I'm confused.

Well, I just, I don't know, he's just the man of the house role. I just kind of. We're trotting it up? Yeah, I'm just, I mean, we try to do it. We try to do a joint bank account before, like when we first got together.

And before marriage? No, immediately after. Yeah, shortly like right after we got married. What will happen? Oh, that went great. Caleb, that was. Why? What's going to be different this time? So when I started this job, well, this place I'm working, not the job specifically.

She left her old job to move to a less stressful job, and she cashed out her 401K. I didn't know you could take it with you. You mean roll it over? Yeah. Yeah, yeah. She cashed it out, and she didn't trust herself with it. It was like $4,000-ish. so she gave it to me to put in a savings account

and then the next day we got paid and I went and got lunch for both of us and brought it home and she freaked out and we had a whole fight because she thought I used her 401K money for it. Did you? No, it was my paycheck. So I just gave it back and said I didn't want to deal with it and we went separate accounts?

Yeah. Yeah, but what's going to stop that very same thing from happening? How often do you guys fight about money now? I mean, I wouldn't say we fight, but I mean it's a topic. conversation that gets brought up. Our whole existence is a bickering. Like, even our sense of humor.

That's what we do. Yeah, I mean, I wouldn't say that we're like fighting too. Okay, but if you weren't able to healthily have the joint account before and completely blew up in our face is what's going to be different this time? If you guys are not communicating in a more healthy or effective manner, it seems though. So now we talk about purchases at least. Back then we didn't.

So like every single lunch, every single little tequito at the gas station is discussed. Not every single one. Okay, so let's get and prevent that then again, because you bought lunch and it blew up and we had to split a joint checking just because of a lunch. That's my main thought behind the allowance is if she has the money, I know. And at 29. I've toned down a lot too. So like before we got together, I would like, he says I kind of catfished him because I was always like doing stuff.

Finanually. Financially. I'm always like going to anime conventions or cosplaying or blowing all this money on, you know, big ticket items, like my electronics and stuff, and he thought I had money because I had a really good paying job where I was going to pay commissions, but in reality, I was recycling payday loans. Yeah.

No. For years. So he's like, I stopped that habit. Wait, in the relationship for years? No, before. Is there a trust issue here because of this past? So there would be. I'll be honest.

I would not trust it, and I would assume she's taking loans and whatnot, but she couldn't. get approved for one if she tried now. Yeah, my credit. So it kind of removes the factor of me having to trust. It's still the spending. It's still the spending that was an issue that got her into the payday loan cycle.

Yeah, I would go take out loans of like $2,000 and then just... So do you feel the allowance is appropriate then? Like, I definitely think I need help with it. It's like a spending problem, like an addiction, I guess. Why aren't you working on it? Why aren't you guys sitting down on budgeting? Why aren't you trying to put in any effort instead of having to be treated like a baby? I don't know, because I don't really want to put the effort.

I'd rather just be told. You're about to be a mother. What to do. You're about to be a mother. I would like it to be collaborative because I do sit down and I make a budget. And then I try to tell her and she's like, yeah, I'd do whatever. That's not a conversation though. I would like it to be a conversation.

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Just a little taken back from the beginning, though, where it's like you immediately came out of the gate blaming her for the, you know, spending a lot of bulls. But she says you spend a lot of shit too. Like, well, why do? Then what the fuck was that coming in just punching? Well, so I didn't for a long time. Like I don't care, but you do. Do you not?

Now, yes. So don't give a fuck. Why would I care what you've done? Well, I'm just trying to get my past out there. Part of life. I mean, it's part of life, my past. I mean, it needs to be brought up. If it was mistakes you're making that you learned from, sure, but you were doing well in the past.

It's like, yeah, but you're doing it now. So, okay. Yeah, I make bad decisions now. I mean, I've always made. Why are you trying to throw her under the bus out of the gate? Because my purchases are smaller increments. I'm sure it adds up to around the same, so I'm to blame too, but it's a smaller increments. What are we getting?

A lot of energy drinks and nicotine and... Nicotine? In what form? The cigarettes. The best kind, Caleb. You're about to be a father of three now. Yes. Don't you want to stick around?

You're in your 30s. You are obese, morbidly, potentially. It was worse, but... Well, good. I'm glad it's at least gotten better. but I want you to be around. If we're mixing up destroying our lungs with also destroying our body,

well, is he going to be here? I'd hope so. Energy drinks with his heart, honestly? I don't know what's consumed. How many milligrams of caffeine are consuming a day? Oh.

Those are like 220. Those are about 200. He drinks like at least. 400 a day. Don't exaggerate. Okay, 400 is the cap that's recommended. Yeah, I drink two a day. Ghosts.

Okay. But that's like the Capcast. Yes, I'm aware. But then he also drinks. He also drinks soda, too, which also has caffeine. It's like 30, 40 milligrams per can. I drink Diet Coke, yeah. How many a day?

So in our gross order, in our gross order, I buy four 24 packs to get us through two weeks. And he's usually. So I have three at home and then I take one to work. So you're at like 500. Yeah, yeah. Like you're already, again, we're killing our, now we've killing our body in three ways. Yeah. Well, so I've tried to quit cigarettes in the past.

It's hard. Yeah. Oh, yeah, no, I've been smoking since I was 13. Okay, that's not good. Oh, yeah, no, definitely not. I agree with that. Can we at least switch the vapes? So I can have a collapsed lung?

There's risks on both sides. There are, but it is objectively better. So I am thinking about it. But it's. Like, it's in progress. I'll say that. I do want to quit before. I mean, I'd rather you get the pouches regardless.

I'd rather you just stop. I would too. But if we're struggling and we're struggling and we're struggling and we're preventing, I would rather at least get like a little bit of a, you know, downgrade going. Yeah. I can look into that. I'm sure you hear that way too much.

You have $300 a month on Sigs. I'm being told. And which is crazy. So you're throwing her onto the bush? Like, what are we doing? That's what I was saying. My purchases seem smaller, but over time they're bigger. I'm aware of that.

But hers are abrasive. But also, this sounds like a long-term addiction. You say you're starting bad spending now. I highly doubt that's true if we've been smoking. I mean, so I recently started spending on not cigarettes badly. Yeah, so he doesn't. Oh, this is addition to that. Oh, yeah.

He doesn't go out and buy big ticketed items often, but he sees, like, the cigarettes and the soda and the energy drink says, like his luxury purchases. Where are we? Where are we in terms of how many packs a day? When it was stressful last year, I was at two a day. But now I'm down to one. And I've been decreasing it.

That's so expensive. He tells me one and a half. Yeah, because I average for bad days when it's, I don't know. I don't want to justify it, but I do want to justify. I'm confused still. You're not answering my question. Why did you throw her under the bus? I mean, what is like your mentality that you immediately threw her to the bus?

Her big purchases are more frequent than mine. Yeah. And I would like to say we can agree on that at least. I would probably say there's at least one big ticketed item I'd like to try to buy once a month, whether I can or not. How much is a big ticket item? What are we considering it? big ticket item. Give me an example of a big ticket item. Nintendo Switches.

Yeah, the new one? Switch 2? What is that like five? No, that was almost a domestic. That ain't. It was almost a domestic. Yeah. But she's had a lot of switches. I haven't bought any more switches. I've bought two. She bought a lot. No, two. Two is a lie. Two is a lie. Why the fuck would you have two switches? So she got a credit card for GameStop specifically to get a switch light. I got the switch light. She had the switch light for a week, hated it, upgraded to a switch. Why didn't you return?

She did, but you have to pay extra on top because the light is cheap. And then, no, hold on, no, don't do that yet. Give me a minute. And then two weeks later, she wanted the OLED. So she traded in her switch for an OLED. Because I'm like if it's, I... Dude, why? Why do you have to...

Because if I'm going to spend the money, I'd rather get the best one. Yeah, but you don't have money. You have a kid coming. Sick. Guys, how much we spent on just going out to eat last month? Oh, man. Just going out to eat alone. This is a fun game of guess who.

I don't keep track. I couldn't tell you. What do you think? You're off the swiping. What do you think it all stacks to? 400 to 500 if I had a guess. I would have... If you had a guess?

I'd have... No idea. Like, together or just like individually? Yeah, that's the whole thing. It's all of our finances. That's why I said four to 500. I don't know. I don't think it's that high.

I mean, I don't feel like I eat out on my own. $800. Yeah, I was... Miscellany's a loan on top of it. Extra shit could be a video game. $5754 Unknown shopping, by the way, because it's impossible to know what it is

without us looking at the statements. Could be Walmart, could be Amazon, could be bullshit, could be good, we don't know. $1,511. We know what hits our account, guys. We know what hits the account. Payroll 4,295. We also had cash advance pay out over the thousand.

Okay, great. Great. Yeah, great. Great. Well, we'll get into that. Fantastic. Also, cash app in. Well, let's come in

from cash app or is it just any money? The roommates. Okay. So income. And eBay. So we'll think. Okay. So with PayPal cash app and payroll, I'll combine that to about 4,200.

What was spent? As the household combined. What was spent? 5.8. 5,200. Oh, 5,800. Okay. I was like, I have no idea.

Dude, some kind of guess just based on what you're experiencing. Just based on what you're experiencing. Just based on what you're experiencing. I just know what I spend. I don't know like... Just based on what you're experiencing is the household. This is what I'm trying to see what you would think the household is at based on your observation. I know you're not going to have the correct answer.

That's fine. No one is down to the dollar for sure. But what do you think based on what you are observing? Like all of it because we don't have anything left over. So like the whole 5,000. Okay, 5,200 or whatever. Okay, great. $9,431.

We have a child coming in a month. What the fuck are we doing? What the fuck are we doing? doing? Suffering. Huh? Suffering. It's struggling. By choice. Yeah, accurate.

By choice, which means all of a sudden, uh-oh, the kid suffers. You know how that works, right? Yeah. What are the odds? That's acceptable? What are the odds I could go outside for a minute? Mm-hmm. Budgeting used to mean spreadsheets,

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And if you're trying to build better habits, the app gives you insights and trends to help you stay on track. Take control of your finances today. Go to rockandmoney.com slash Caleb. Click the link in the description below to get started for free. To smoke? I can neither confirm nor deny. No, dude, sit the fuck down.

I'm filming an episode here. Okay. Fair enough. Get you a little sickness. It happens. I don't give a fuck. We have a child coming and we immediately deflected. We're trying to go smoke is sick.

Thank you. That's appreciated. Oh, my death. Total debt, $168,000. But bad debt alone? Interest accruing bad. debt is 61,130. We have a mortgage of 96, but we also have student loans on top of that of 8,000.

Then collections of 2,58. This household is a mess. And we have a kid coming in two that are already here. What's the custody situation of the two? They live with their mother and I get them for every school break. Do you have child support? I must go out. Why?

They have a very healthy relationship. Great. But she's taking care of them 100%. Why would you not? So I pay for all their school stuff, all their school activities, like sports, all that. Like as needed. What is that? Like a couple hundred bucks a month?

Yeah. I mean, I covered. Come on. Child support for you would be like at least five. Yeah, I'm paying about that on average. It's just, it doesn't go every month. Yeah, I mean, I know. No, she knows.

I know like, I know like, I know like, I know like, I mean, he always tells me whenever she's like, hey, she called, they need this and like, you know. Yeah, it's just sporadic. It's not like scheduled paying. It's their income situation for their house. Not good. I don't get told specifically. I just told her if she ever needs money for the kids, let me know.

And we have an other one that's coming in, and then we're spending literally double, not double, but close to double what we're making. Our bad debt situation is insane at like 65. No, no, no, like $70,000. No, $72,000 of bad debt. Okay, the one silver lining is I get free child care, so I don't pay for daycare when she's here.

Yippee. It's expensive. It is expensive. I'm glad you do, but silver lining out of everything. Your kid's going to need a lot more than just child care. I don't know if you guys know this, including you retiring so they don't have to take care of you. Which brings me to, I'm trying to find how much retirement you have, but I don't even see a retirement on here. So I don't know how to get a, so I work for a government installation.

I don't see retirement. I have two retirements. They send us like, 401K and an Air Force retirement. Okay. But they only send one statement a year of what's in it. Are you on military disability? No. No, if you work on a government installation, you can get Air Force retirement, but you put into it.

You were not in the military. No, no. So I know what's in, but I can't. What's in? So I have in 401K about 18,000, and then in Air Force retirement about 12,000. So 30 total, is. 30, definitely behind for your age. For combining that as the household, because you have nothing now, right?

Well, no, I have less than 2,000 because I just started. We are dramatically behind, which also gets behind. which also gets put on your kid when you come and you're not able to take care of your life, especially in our health situation. It's like you will be out of the workforce earlier on a necessity. Yes. And your kid will have to put their life on hold to support you

based on the choices you made. Choices you made. The kid did not choose to come in this world, but they will feel morally obligated to take care of you. They did not consent to it. Yeah. You're putting it on a lot of stuff, but not that. Yeah, that's accurate.

All right. We got to get in a little. these finances because this is a, oh, this is an insane amount of paperwork. Yeah. But I'm going to go three, two, one, go on. I want you guys to give me your, what you think your entire household financial score is. Zero to ten, zero being the worst, ten being the best. What do you think it is?

Three, two, one, four. Why do you think it's possibly middle down the road? Why does she think it's middle down the road? To be fair, she doesn't know what your financial scores are based off of, and I do. But like 10 being the absolute best, zero being the absolute worst. You think you're middle of the road. I think. I mean, do you hear the numbers that just went over?

I mean, what do you have going for you? Like, we pay our bills every month. So, I mean, I do you? There will be no late payments as they go through this. And I don't know. I don't know. I have not been through these. I'm pretty sure there will be.

Okay. So is that we pay our bills? Sure, it's not on time. I think they're on time. I think we pay him on time. He just... Wishing you could be there live for the big game, soaking up the atmosphere of the crowd.

But too often, life gets busy. Or the price holds you back. Priceline is here to help you make it happen. With millions of deals on flights, hotels, and rental cars, you can go see the game live. Don't just dream about the trip. Book it with Price Line.

Download the Priceline app or visit Priceline. Actual prices may vary. Limited time offer. He's literally just saying he thinks there's going to be late payments in there. What the fuck you're talking about? I know the ones I paid her on time. What is she responsible for paying? Car insurance, which doesn't have a late fee or a due date.

It's like mile-wise. It's pay as you go. Got it. And then groceries and the electric. You don't like your groceries on time. You can't be late on growth. Yeah, the electric. Are you going to be?

She's the only one, yeah, she has two that could have a late fee. And I'm pretty sure the phone bill was late last month. Yeah, now that, yeah, I forgot that I paid that one. What the fuck. That's why I was making the faces. I was like, no, it's, even yours are going to have some late. Why? Because I wanted to cash float money.

So I paid like half of it and then waited until the next paycheck to pay half of it. Why do you think you do not owe it on the date that it's owed? We need, well, we needed the extra money for, I can't remember what it was now, but to have to get us through to that next. makes pay period. Remember how you spent $900 going out to eat? What the fuck are you talking about? What the fuck are you talking about? Missileans bullshit, $750. Unown shopping at $1,500. What the fuck are you talking about? I needed money. What was your electricity bill? Like almost, was it $4.20? It was $4.15. I was like, yeah. So less than half of what you went out to eat. I don't

want to, here. There's no sympathy. Wham? I couldn't pay my utilities. F*** off. That's the story we hear out there. Oh, utilities, they're so expensive. And they are. I couldn't afford them. I'm poor. You. Look at your spend. I want to look through everyone's spending whoever says they couldn't afford to make their payments. You spent more than double. And you say you can't pay that on time? You need to take care of other bills? What are you talking about?

Oh, one of the roommates is moving out in the near future. You're going to be destroyed rent-wise. Yeah. Oh, how are you making up that difference? Hopefully paying off a lot of our monthlies. Huh? Our monthly minimum. How?

That doesn't make sense. I'm going to pay off. my debt better when I'm bringing in less money from our roommates. What? Like trying to pay it off now before he leaves so that it's... Oh, you guys spend more than you make. What are you doing to pay it off or not? I don't even know if this budget will work.

We'll find out. Yeah, uh, that's the goal. That's been my goal and I'm lost. I don't know how to get there. If you watch your Hammer Financial score, take the assessment. It is free at Calebhammer.com. And if you don't want to be like a guest who ends up on the show, make sure you download the dollar-wise budgeting app.

Sign up for the free trial. And if you like it, take the annual version to save. a lot of money and also get our... It comes with our budget-friendly cookbook, signed by me, mail directly to you when you sign it for annual. And if you want to bundle it with all of our educational products together for 80% off, all you have to do is sign up for Dollar Wise Central. Go to DollarWise.com and learn more, ladies and gentlemen.

Alrighty, let's get into this, because this is going to be a long, long, long stack of paperwork to go through, huh? Yeah. Oh, I buy Powery's a little Gamer Gooner. I'm assuming you. Yeah, the I-by power is my sons for last Christmas. How old? 13.

And gaming PC. It is not top end. What is it? How much is it? It's an I-5-10-600 non-K, I think. How much was it? Like 600, 20, 630? No, that's not possible.

No, this is literally not possible. Paid to date has already been 1,155. What the fuck you're talking about? Oh, I had to change the price. So it was going to be, and then they didn't have the graphics card I wanted for it. So I think he got like a 2070 or something. Yeah. Because I wanted to give him 2060, but they didn't have them.

Why the fuck you're even getting this, dude? This makes no sense. And now you're paying minimum fee payments on this forever. What's the interest rate on this? I bet it has interest rate. Oh, there's a new wig after this. My goodness. He's full game.

That one's my fault. Yeah, that's. That's her. You game goon too? No, she does not. That was for the steam deck that I wanted. That has now been sold. Yeah.

Great. Well, we have a debt for it. So I don't give a... That's even worth that you don't have the asset. Yep. Okay, well, you still owe $322 and $17 in this I buy power. The minimum fee payment looks like $65.43. And that was on a bet, a dare.

I don't know what you can call it. Huh? I bet my son can't get straight A's. and let's just say it's... I appreciate that, but why does it have to be with something that costs $1,500 on interest? Bad judgment in the moment. Like, I'm down with that. That makes sense, too.

Encourage him to get in. He had an effing band. How am I supposed to know even... I don't know. Same. But now he's doing well. Yeah. Why are we promising a $1,500?

Because he had an effing band, Caleb. Dude, if he's an effing band, he's like throwing spitballs on the ceiling. Exactly. So I thought he wasn't going to do it. He's a degenerate. He's a degenerate. He's a degenerate. Fortnite is strong, apparently.

because he all of a sudden he's a master. He could Fortnite on a $300 Xbox S. He likes to be the cool dad and say like, oh, I'm a gamer, so you want to be a gamer. I think a lot of it is shame because I spent a lot of years where I couldn't buy them anything. You still can't. You guys are just driving in debt. I know. I know, but it's that's my only, that's my only crappy attempt to justifying it, okay?

We could. I like the encouragement to get good grades, but there's so many other things we could do it as such lower price point. Yeah. Dude, a trip to like six, four. flags would have been cheaper. In Oklahoma? You come down to Texas, you take it.

I've never been to Texas. I don't know you guys have six flags. Six flags over Texas. Yeah, we've had six flags. I've fucking grew up in California. You had Disneyland. Six flags are everywhere. It doesn't matter.

You could have done a lot of things. You could have done a lot of things. I'm aware. I've beat myself about that and you're free to do it too. Just know in the future, it's not getting promised that. Yes.

Auto pay is off on everything right now. Death. Great. That's wonderful. Okay. So what's the interest on this? Oh, man. Probably 35%. It's through a firm. 35%. 35% probably 35. 95. Yeah, something like that. Ladies and gentlemen, a financial audit.

This is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools or budgeting that, all this crazy stuff over this past year because that is where my passion is. We finally did it. and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff,

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And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer, dollarwise. com. Let's f*** go. Fucking death. Yeah. When did we get this? Middle of last year, summer, I believe.

Last year? This has been over a year that you're paying for his eye. Power? Yes. And it's I-f-f-fibre power. Okay, we'll come back to that because there's another computer you're going to hate even more on there. From I-by-power?

No, from worse. Eye-by power is a saint compared to the next one. Just wait until you get there because I'm happy to put that other company on Blessed. I will say that computer showed up well. I usually build them myself. We go through electronics and computers, like people go through

underwear in this house. Yeah, that's by far our biggest problem in every form of life is electronic. Is that like HP's version? of their pro gaming bullshit? No, I buy power is a, it's an OEM, it's standalone. Okay, good. It's all parts you can upgrade later and everything.

It's all off the shelf parts. Okay, fine. Okay, then I'm not freaking out. Everything's overly expensive on their website, I'll say. And I also have eye by power in my debt too. Oh, this is just a full goon household. Okay, this is New Egg. This is for an 8K display port, 1.4 cable.

6.4 feet, steam deck. No, no, there was a cable and the steam deck. Oh, yeah, yeah. We did not pay, we did not pay whatever that was. So you don't even owe this anymore, and it was $1,000. Yeah, because I, he wanted, well, he wanted me to get the cheaper one. The cheaper one.

And no, it had to be the OLED, had to be the one terabyte. And by the time I decided to say, screw it and sold it, she had two hours on it total. And that was months. Why? I don't know. I didn't, it didn't, I couldn't use what I wanted to use on it. Like, I thought I could. So I just, I used my switch more.

So. You guys just blow all the money in the fucking world on anything you guys want in the moment. Yes. But you communicate about it, you're saying? No, no. The big purchases. This is all pre-communication. That's become now.

In his defense, I told him I would pay the monthly payment for the steam deck. I was it? I-wee when it comes to the marriage. Pre-joint finances. Yeah. Nothing was done together at that point. Yeah, but I'm curious, why was it? I mean, it is we.

She tried to justify it because I said I didn't want another monthly payment. And she tried to justify and she said, well, I'll make it. She didn't make any of them. Did you make money from getting rid of it? Yes, yes. I have the money to pay it off, just be done with it to hold debt. So what was it? How much did you get for it?

I got $680 for it. And then I also saw, I've been selling a lot of electronics. Yeah, we're trying to declutter our house. Yeah, it's time to sell everything. I'm crossing. That's what I'm doing. That's why I said some of that... That's why I said some of the incoming might have been from eBay.

Because I am selling everything actively. Yeah, that is... It's not even a fucking choice. I'll sell this, but this is a ridiculous thousand-hour purchase, and you lost 500. Yeah. 400. Yep.

I think the Xbox was more egregious than that even. Yeah. Yeah, so we get every little gaming device that is possibly on the market, it sounds like. There's not one we don't get great. Yeah, I call it hobby hopping because she hops to a different... It's so expensive. Yeah.

Yeah. Okay, what is this? Serenity sleep bundle for what? Oh, yes. No. Is it not? Nope. I don't think so.

What's the total on that? You spent 997, but you've already... Oh, that might be the bed. Oh, 1,200. Yeah, Serenity, it's our bed. Yeah, I thought that was the couch. I thought we were going to start... What the fuck are we getting this?

I mean, listen, the mattresses are expensive. So the bed was mandatory because... Because we were sleeping on a mattress on the floor and the mattress, like the springs was popping through and, like... Yeah, yeah, I had that mattress. Did you have to get a $1,000 mattress? It has to be California King. I'm 7 foot 1.

It's not. And I already have knee problems. My legs hanging off the big. You're 7.1? Yes. That's fucking crazy. I've never met someone over 7. Yeah, it's a whole struggle.

Having a big, a large bed was kind of like a number. We got it. There's no frame or anything. That's just a mattress in the box spring because I tried to keep it cheap. But California Kings are so expensive. Yeah, for no reason. Are you sure you're 7.1? 7.

7-2. It depends on the day and my posture and my back problems. It's a $72.52. minimum payment. Yes, that is the bed then. Endlessly forever, probably at a 35.99% rate of death. Yes.

It's like double. This is just like fat stack week again where we just have literally every debt you could possibly accumulate in a stack as large as f- Yeah. I don't know. This is just crazy, man.

And of course, Auto pay is off. Who would have thought? Yeah. I've got a mental block with auto pay. I told you. It's terrifying to me. Yeah, but they're going to accumulate fees and your debts is taking forever to pay off.

It's going to take even longer. I would like to get to the point where I'm comfortable that we'll have money in the account to just turn on auto pay. $997 matches, but you're paying a total of $1,300. Yeah. I'm not perfectly versed in all of our totals and percentages and everything, but I do look at them regularly and obsess over them. then why are we still spending? That doesn't make it if you're obsessing that that is not lining up. Petiness, I don't know.

Petty. Yeah. Petty over a what the fuck is petty? What are you talking about fetties? It's the competition, you know. What? She buys dumb stuff and then I'm like, well, I want dumb stuff. So we're children.

All of my dumb stuff has happened in the last six months, I'm pretty sure, unironically. Because I don't buy myself things ever, like big stuff. That's all happened because we, In January. So what the f***ed in six months then? Well, so we gave up on having a kid, funnily enough. Yeah, we tried forever. We tried for three years.

It didn't have one. January, we said, fuck it. And made some dumb decisions. And all of a sudden, that's when it hits you. But you still had two. So you gave up. How long did you give up? When did you find out you were pregnant?

You're having a baby next month? In February. So we had one month of reckless? No, you were having reckless well beyond one month. There's no way. My big things were about one month, yeah. Oh, you haven't gotten to mine yet. It's juicy.

Just keep going through the bundle of joy. Oh, I am. I have no other choice. Walmart. Okay. What the fuck did we get at Walmart for $1,200? I think that was... Was that Christmas?

Yeah, that was... It was just fucking Christmas presents? Yeah, he bought a PlayStation for his nephew. I will defend that PlayStation to the death. I'm ready to fight you. Why? Yeah, let me defend a 35% interest rate and I can't afford life. I'm aware the way I got it was dumb.

I'm aware the way I got it was dumb. No, that is dumb. With your lack of... retirement, like of an emergency fund and overall death situation is done regardless if you spent it on that. Yes. I'm aware of that part. But my nephew was born with a heart condition where every couple

years he has to go get a valve replaced open heart surgery and he's laid up forever. And his parents are very anti-new technology. His newest thing is an Xbox 360. So I got him a PlayStation 5. It's not supported on anything. He can't update any games. He couldn't play with his friends.

Most of his discs don't work. And we don't have a game store where we're at in Why does that have to be your response? I know. It shouldn't be. I've had that conversation with his life. I appreciate the heart of it, man. That's what I'm saying is I'll defend the heart.

I know it was a dumb financial move, but I'm going to die on that. Also, it was more than that. You spent double than just the PlayStation. Yeah, it was the PlayStation and then. Go on. Nintendo Switch for my daughter. Mm-hmm. That she broke two months later.

Oh, my, you guys just get everything. Oh, we go through electronics. There was nothing you don't get. Yeah. There is nothing you don't get. And I see a smart watch on you? This was cash flow, no financing. Does it matter?

It would have gone towards debt. Well, no, it was traded in my old Apple watch when I swapped off of Apple. And I have one too. This was free. This was 100% free. Which mine was also a, I need to have it because it's the newest one, but I'm not wearing it. I would rather you sold the Apple Watch and put it towards debt, dude. Yeah, I was using this for the gym because I dropped like 104 pounds in like eight months.

I'm trying. and I needed something to track my heart rate and everything. Yeah, but you could get a Fitbit for cheaper. But this was free. I couldn't trade in the Fitbit. No, but you could have sold your Apple Watch. I got a Fitbit for the cheaper. Back when I got rid of the Apple Watch, I was not versed and selling on eBay and all that.

And in our town, nobody knows what the hell a computer is. Electronics do not move. Why are we living in that town? I moved with family when they came here for the installation. I would like to move and go anywhere else, but clearly we can't. Why? Can afford to. Because we screwed up for the last five years.

Eventually that's our goal. Like 10, 15 years, that's the goal to get out of there. 10 to 15 years. Yeah, I'm shooting far, but that is the goal eventually. Can you deal with it for 10 to 15 years looking in this place? Yeah. You can. I'm asking you.

I mean, I don't like our house, but we have a mortgage on something we don't even like. She doesn't like. I think it's fun. But my standards are skewed four walls on a roof. Why would we go into debt for that? that, though. I don't, it just, it was like a rushed kind of situation. It was rushed into a house.

Why? Like, we got married and like two days later, we signed the paper for our house. Oh, why? Answering why? So we looked for about a month and we had no clue what we were going for. We just wanted to look originally. I didn't even know I could get approved for a house and then I just went into a company and they were like, here's these houses.

They'll approve anyone for everything. Yeah. But I mean, we did get a deal on the house because the person that owned... Deal, you hate it. The person that owned... owned it. Money-wise, she doesn't hate it. Yeah, the person-

The person that owned it, she was leaving and her contract was up, so she needed to sell the house. So it was very like, they knocked off like $10,000. Why do you hate it? Because there's just like a lot of cosmetic stuff that just... We need to fix, but like we can't afford to fix it. How many bed? How many bath square footage?

Four bed, two bath, 1,300 square feet, I think. Yeah, it's, it's small, but it's a lot of rooms. Yeah. And the garage is half renovated into a level of space. And we have our Americans, we sell ability usually want minimum $1,500 if it's a single family of a hatch house.

If the garage gets finished being converted because they already have insulated. No, no, no. We bought it. It was already half converted. It's half converted. So once we make some progress. No, no, that's going. Not right now.

You're converting the garage, though. Yes. We're going to eventually. But Americans are obsessive of garages. You're making this house. We can't fit a car in that garage. It's so small. You're making this house even harder to sell in the future.

But it is. It's the only two-story house. and it's a corner lot on that street. And a town no one wants to live in. No, it's a military town. They have to live there. It's not optional for most people. Well, they buy, though, for the three years stints?

Yeah, a lot of people do. I have no idea. Yeah, my parents just sold a house there and it took them three weeks, I think. Maybe they dramatically undersold. Maybe their house is better. I don't know. No, it was a nice house, but they didn't undersell. They made a lot off of it.

No, no. How long did they own it? Six years. I have no idea. Something like that. Okay, what is this? General merchandise we owe right now. Oh, by the way, the Walmart, they still owe $778.35 cents. Minimum monthly payment, $48.75.

Okay, what is general merchandise? It was $1,3.41.89. We're still on a firm, by the way. This is fucking crazy. Oh, yeah, there's a lot of a firm. General merchandise is probably Walmart again, if I'm being honest. What the fuck did we do? It's February 13th.

Oh, the month we found out we were pregnant and we were done with our doomed, dumb-ass spending, by the way. That's the conception date not when we found out. We found out in March. So we've been celebrated my spending $1,400 on 35% interest? I have no idea what that is. We don't even know what we spent. You're in a 35.99% interest in the moment I knew what it was, but now I don't even know. Dude, this is fucking crazy.

And a $67. $0.0. Monthly, and you don't even know what the fuck it's for within this past year? I know what I've spent money on this year. I believe you. you're smarter than me. It's not even about that. I'm, in the moment, I probably thought it was important,

but I couldn't tell you now what even the hell it was. I have absolutely, I don't know. Hi, I listen to your financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Weble.

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$67.9.cent payment on a monthly basis spent 1341. But of course, I'm halfway through paying this off yet. We owe a total of $1,563. This one's probably closer to like 20%. But even still, it's horrible in every way whatsoever. Yeah. you were banned from a firm yeah good why because i had probably like i don't know 1,800 or 2000 in and i didn't pay it so into collections well i could afford to pay it

what is wrong with you guys you just what is happening you don't have time for that list you're spending's insanity yeah you're spending this is some of the most ridiculous spending i have seen on this show. Spending alone. Spending, not even talking about the debt, not even talking about debt to income, not even talking about any of that. Spending alone, some of the most insane behavioral issues I've ever seen from people that are almost 30 and well within their 30s. That's true. I mean. This is a fucking joking, and of course, auto pay is off, as they all are.

I don't know what that was, but to justify it. Oh, and this affirmed spending isn't under their own account. Yeah, it's under... What does that mean? He's using our roommates, credit. For fucking why? It was his idea, unironically. What?

Yeah, yeah. What was the conversation around this? So I can't go into too much detail about it because it's his personal stuff, but... Basically, he couldn't use a firm, so... Yeah, I couldn't use a firm. And I couldn't use a firm. Why? I destroyed my credit a long time ago.

I was good with credit for most of my life. But you can rebound it. quickly. Well, so, okay, let's dive into this. So I was good with credit for most of my life and then mental issues happen. And I had a bad situation when I was living in Washington State and I had to bail on a lease for an apartment. And I only just a couple months ago got that pulled off my credit by disputing it. So that's why I moved back towards family because I was having mental issues there. And that's what went to a lot of the spiral. But anyway, we couldn't use a firm for me because I'd already been, like, I already had that in collection, so I couldn't use a firm.

He couldn't get approved for a firm. So he had all roommates check to see if they could get approved. Yeah, because they told me it's going to do it. The opposite of like being able to have debt. You can't even have that. Honestly, and I recommend usually that most guests get Fizz, the deba card that builds credit. I don't even want you guys to get that. I don't trust you to do anything.

I don't trust you to do anything. I'll get you that. I'll get you course career certifications, all that to build income. I'll get you guys on helium with T-Mobles in your area. We'll help you save all the money. but I wouldn't even use the FISCard for you specifically because you're just so, you're just beyond, man. You're just beyond.

This is just crazy. Let's continue down the stack. Okay, cyber power PC. Oh. That's the one. Yeah, that company. So that was my, we're not having a kid purchase. And they sent it with a...

So let's get a goon machine? Well, his computer was old and I had told him. I'm like, you have... What's old? Like his older computer. It was like a 1050, not TI. It couldn't run anything. And I had said, you know, you never buy anything for yourself.

You're always buying stuff for me. I was like, why don't you go ahead and just splurge and buy yourself something nice? $3,354 is a nice computer. Yeah, they sure should have been. What? Oh, that company needs to burn to the ground. So they sent me it with a bricked graphics card, right? And then I RMAed the graphics card.

They sent back a bricked graphics card. I RMAed the graphics card again. They sent me a bricked graphics card. And then I was out of my RMA window with them. and I tried to run the serial number through Gigabyte, no flame to them, they're fine, but it was, it didn't even come up as if it had an RMA through them or anything.

So Cyberpower screwed me on that, so I sold it four parts, and now I have... Did you not file the dispute with your credit card? Well, with a firm? I can't, because the rest of the computer is fine, so they're saying the purchase is fine. Yeah. Affirm saying that?

Yes. Yeah, no, it's... I would have battled that. But, so now I have a 3,300, I think it's like 3,900 after the interest. A computer with the fastest possible processor you can have on a computer and a, in 2060 graphics card. The 30 series are pretty cheap these days, but obviously you can't afford it. No, no, no, no. I just put in what we had in the house.

I'm not dealing with that. Oh, good, good. Well, that's actually a proper decision. But yeah, getting this was a loan was absolutely ridiculous. $3,354.80 is what was spent, but you're going to say, spend a total of $3,914 on this and it's didn't even work. It's broken. Minimal multi payments alone, you're doing a car payment on this PC tower.

$326.19. Yeah. Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank. Probably again, 20 to 30% interest rate of. absolute moronic and sand. Trading Eschwab is now powered by Ameritrade.

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to meet you where you are. It's built by the trading obsessed to help you trade business. brilliantly. Learn more at Schwab.com slash trading. But how often do you guys actually even gain? Oh, him every day. Constantly.

What are you playing? A lot of free to play? Yeah. My main crack is League of Legends. Okay. So are you buying end game? No, no. So I used to. I was addicted to it when I was like 19. 19? Yeah, I had a lot of money when I was 19 and really no bills.

so I spent a small house worth on skins On skins, how much? Like 92,000? 92,000 hours on in-game skins? Yeah, that's the best part is I don't have any of them anymore When you were 19? Yeah. Did you sell them?

No, I got banned. He lost the account. So now I am not toxic on video games anymore. How are you banned? Don't be toxic, kids. No, be toxic in video games stop banning people. We need to bring back toxicity in gaming. So that's the thing, right?

Like, if I had said something racist or hate speech or any of that, I would have been fine with Ben. But it was really just me being an ass. Which is, I think that you shouldn't be sensitive enough like that on a video game. No, you shouldn't. I saw a woman on Twitter complaining after she grenaded herself in CSGo that people were trash talking her and then she got them all banned. Yeah, yeah, that's ridiculous. Hey, if you play video games, stop being a fucking.

Start throwing out the. Yeah, yeah. In the Xbox Live group chat. So I found out that slur is an immediate ban with no anything on League of Legends now. Well, I mean, I wouldn't say because that's a ticket. I found it out on a free account, by the way. It's a thing to say, but let's stop being fucking go. When your gaming becomes so pusified?

Yeah. I'm so confused. And we've seen. Listen, and 19, so 40 years later, yeah. By the time you would have retired, that 95,000 dollars that you spent would have been worth $2.3 million if invested in the overall stock market. Yeah.

You spent $2.3 million on gaming skins. That I don't have anymore is my favorite part. Because you were banned for saying the N-word. I did not say the N-word. No, thank you. And I have spent money on. Valerant for him for some skins and he doesn't even play that game anymore. That's my anniversary gift every year is one skin on Valerate.

Because I don't like physical things. Fucking, I'm a game gooner, but what the fuck are we doing? I don't like owning physical things. So she just gets me a skin every year on Valer. Dude, just take a blow job. That's part of it, rude. This is crazy, man. Yeah.

And I'm mostly joking about the game thing. Well, we do have to stop being so sensitive. It's weird to get banned for just being a little bit of a troll. What the fuck do we do that? And it was usually just instructive. It's so stupid. It's so stupid. Everything's so posseified.

Everything's so posified right. Yeah, League has become more soft than Call of Duty, and that's saying something. This is the fuck crazy purchase and you're still going to be paying on this forever. Oh, there's the best one. That's the laptop. What account is this? That's my after pay. It's like Klarna, but one pay, one pay through Klarna?

What even, what is that? I don't know. Clarna reband branded 14 times. I don't know. Yeah, so it comes up as corner. I've never heard of one pay. It came up as one pay through Corona or something. Through Walmart.

He bought it through Walmart. So it's like a firm. It's a monthly pay. Yeah, it's the same thing. Okay. And this is a laptop? Yes. Whose laptop?

Mine. The fuck is it? 40-50. I-7. It's a. Why? He got it to make maps for D&D campaigns. Yeah.

And I've already put over $200 on it. But you already have a computer to make maps. Yeah. Let me pick that up and take that. take that with me when I'm... No, you can send yourself the damn map? Can you not on a cheaper device? No, you cannot edit it on.

It uses the RAM in your computer and on your graphics card to make it. I'm generating actual assets. Yeah. Oh, my, what a ridiculous excuse for buying this thing. How much was it? 850, so I think it's a thousand. No, you saw a thousand. Yeah, it's like a thousand 20 with the interest.

You just... Two weeks ago. Good. What is wrong with you? I thought we were trying to take this seriously now. You're getting on her at the beginning? Yes. You're getting on her fucking ass.

Maybe you should have put it in her ass so we don't have a kid coming with this kind of behavior that's happening. What the fuck? You're going on getting a 40-80 laptop? I did tell you. I did tell you recent. You say 40-80. No, no, no. You told me 40-80?

I said 40-50. Even still ridiculous. This is after he sold our two gaming laptops that we had. No, I sold one that was breaking. Oh, yeah. You guys don't even know what's happening in your own household. I know what's happening. I don't even know, man.

Yeah, okay, so that's even worse. You're not ignorant. You're just choosing to do this. Yeah. What the fuck? Come on. Bullsh-sh-sh. This D&D thing is such a fucking cope.

Come on. What do you mean? It's a cope. I mean, it's accurate. It's happening. I have 200 hours on the laptop in three weeks. Dude, what the fuck? Spent 200 hours going and working and paying down this debt, you dick.

I do. I can't work more than 40 a week. That's not how government installations work. At that job. Any other job on that. installation. I cannot do. On that installation? Yes. That installation is the town. No, that installation is the town. You're telling me there's not one business in the entire city.

Yeah, there's a buffet that I won't say, but they offered me $12 hour. $7 an hour, no breaks, no lunch, no overtime, which is illegal. No overtime passed eight hours a day. Good, Sue. Make a lot of money. Dude, I don't care. You need an other job. It's all fast food places and that's it and a Walmart. Good. I've interviewed for a fast food places. Overstocks and $4.00. To, fucking stock shelves at night, dude. Yeah, I am actively looking for a job in right now and indeed says they have them all. And then you go talk to them or you call, nothing.

No callbacks, nothing. I've been applying for six months now to try to get a second job for weekends. Yeah, there's food all over the place. There's a hobby lobby. Yeah. I've applied to every place that's posted right now. Restaurant, saloon. Jersey fucking mics.

We got dairy store. I have applied to everywhere on there. I have over 600 pending applications. Yeah, but your application is probably. if we're being completely honest. Because what you're doing is you're likely talking about all the experience you have, which makes it look like you're only going to get that job for about a week. I only do a limited, like, last three or four years.

Yeah, but it shows your experience of the jobs that you're likely trying to do. So it shows that you are probably just going to accept their. I tailor my experiences to what fits that job. So I have 12 years of chef experience. So when I'm applying to a restaurant, I put that. I specify my experience to the job I'm applying for. Got Verizon, AT&T. I don't want to hear this bullshit.

Cricket. This is just a normal town, man. He tried. There's a Goodwill, carpet store, furniture store. This is just a normal town. He tried to get a job at Verizon when I worked there. Barbershop, you wouldn't be able to work there. There's a family dollar. They'll hire everyone.

Yeah, I have a lot of applications out right now pending, and I'm just not getting back. And I'm calling and following up. Keep going. Keep grinding. Yeah, I'm trying. Well, I appreciate that fact. But that's what I would be doing instead of the. Yeah, yeah.

I want a second job off instance. But this is just a normal town. Come on. This is just a normal town. It's very not. A lot of those buildings are closed or run down or not working. These are open businesses. I have them in front of me.

I'm seeing them in a home 200. They've had the same three employees since 1492. I'm not joking about that. I am applying though, yes. And I am trying and following up. I'm even applying in the town 45 minutes away. If I have to, I'll drive on the weekends. I promise you I am trying.

Yeah. Okay. I'll accept Suss. That's fine. Okay, so laptop. 55-70-something. Yeah, well, yes. The minimum fee payment is $55.77.

That we got two weeks ago when we well know we're pregnant at that point. So D&D is more important than our kid. No. Well, behaviors suggest that it is. $1,0.72 to 74 cents owed. And your thoughts on him and going and just buying this. So I tried to give him options. I was like, well, I have an iPad.

You could try to do it on the iPad and then go to... We won't work on an iPad? Yeah, we don't work on an iPad. But I'm viving with that. But go ahead. What did you think about his purchase? And like I was telling him that maybe he should wait until we got some stuff paid off first. That makes sense.

What's wrong with that solution? He said, well, I'll give it a day to think about it. And then five minutes later, he's like, hey, I need all your stuff. Because it's under my name. That was probably the dumbest, most rushed decision I've ever done in my life. And it's just two weeks ago, which makes me terrified to going from here. Because no one changes in two weeks. I'm sorry.

We have changes over the course of a year, two years, but no one changes in two fucking weeks. Yeah. I tried to talk sense into him, and then he was like, yeah, I'll think about it. And then he was like, no, I'll just go ahead and do it. Yeah, tried to talk sense to me. She sent me one text saying you can use the iPad.

And then I said you should probably wait. Which acknowledged by you that would not have worked for the use case. But that was the only text she sent. That was it. Oh, and then she sent the text with the code for me to try her partner. So that he could. That was it. She's saying she fought back.

She didn't know. He needed the code so he could go ahead and make the purchase under my name. Here's another PlayStation. A separate PlayStation? Is this a new PlayStation? No, that's old. It was PlayStation. That was his first one. Is that one? I thought you never get yourself anything. Or no, is it? I didn't get that for me.

That's the one, is that a firm still? I don't know. Dude, these are screenshots. That's errands. That's the one my roommate got for me. They're paying that. That's not me. I'm not paying me. What do I have the statement? Okay. Because it's in my name. Oh, for

but he has not missed the payment I gotta put it on I won't put the minimum with the payment towards the total but it's still in your fucking name yeah if he bails on it it's why why is he doing this well so I was gonna go cash flow myself a PlayStation

at the time and then she made an offhanded comment about how she wanted an Xbox Series X so I spent that money on her Xbox and my friend felt bad so he good fucking death still is $102.3 cents yeah

I believe it's two payments, I think. Yeah, monthly payment is $76.81, but put it in parentheses, that's for the roommate. Okay. Okay. Crazy. You crazy, man. Tell me this. What am I seeing?

This is a lease agreement for something. That's probably the Xbox. Maybe. The Xbox comes next? The total, well, it was a cash price of $1,126 more than any Xbox I've ever seen. So. Yeah, that was probably the Series X. Yeah.

I have a Series X. I did not spend $1,200. Yeah, it's errands. It's predatory as hell. Wait, wait until you get to the errands that we almost got a divorce over. That's the phone. The errands? Yeah.

What does that mean? There's more errands. What is an errand? Oh, it's like a rent to own. It's like a rent to 70% APR. It's great. Oh, 70% loan on an errand. Yeah.

Yeah, errands is predatory. It's great. Predatory that you keep coming back to for the things you want. Predatory, I don't want a three-day thing that you chose to do. Not anymore once we're done with it, but... Yeah. Yeah, we'll see. I don't know.

These statements scream you guys will be poor forever because your decisions... Yeah, the difference is one of the errands we unironically almost got a divorce over. The difference is you just went and affirmed a fucking laptop for $1,000 to $30 to $30. So I don't want to hear it. It's not like behavior is dramatically changed by any means. Sure, we went from 50% interest to 30. You're still getting absolutely f*** up the... Okay, so Xbox, great.

$263.37 remaining monthly payment of 87.79. Are you guys paying for this? Who's the other guy? Is us. Let's see. Okay. Everything else errands is us. Just that one isn't.

Crazy. This is insane. This is like the final fucking boss episode again. We might call this the final boss again because this is absolutely insane. This is every debt that has ever existed. Lindsay, are we going to do a fat stack week again? Because we're fucking here. This is insane.

I don't know if we have enough for it, but I mean, just listen to that. And this is half the stack. That's half the stack. Debt to friend. Yeah. Why? When, where, how? That's the wake-up call because emergency fund would have really been nice at that point.

Because our water heater blew up. Yeah, well, let's get Xbox is at 70% interest. Our water heater blew up. Your friend paid for your water heater? I paid what we had in our savings. Which was? $600. And then I needed the other $1,100.

Your roommate? Yeah. You're borrowing from your tenant. Yes. You're borrowing from your tenant for a hot water heater so that your tenant can have hot water. Yeah. That is insane. That is the catalyst that started the meltdown.

When was this? The beginning of the summer? So you still got a lot of summer? a laptop after that, which would have paid him off. The number one YouTube membership just got upgraded. Three exclusive

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No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Join Hammer Elite, the best membership on YouTube today. That's disgusting. Yes, it is. That is selfish. Which he said, he was like, oh, you don't have to worry about. paying me like pay me back yeah he's being very nice about you on a monthly thing with him how does this

he wants us so i'm going to do how does he even trust you i'm going to do the snowball and he i told him i was going to put him towards the front and he said just put me at the end he's he's been very nice about it and i why does he trust you based on anything you guys have ever done because i saved him from being homeless yeah you did a kind gesture but how does you trust your finances because i've known him for like 15 years and he's he knew me before the spiral. Probably because I don't know. It's like this bad. They don't know what's this bad.

Oh, they, he does 100%. Yeah. In detail? Yeah. Why? Because I've known him for 15 years and he's who I talked to about everything. He's like my brother and I think he sees me the same way. He says he does.

He knows he wouldn't got this laptop. He was like, he was in my D&D campaign. He was sitting right next to him whenever he bought it. He's in. my D&D campaign. Good fuck. It's a dysfunctional, functional household. Who has 8,000 hours to student loans?

That's me. Are they federal? Yes. Okay, for what? When I was going to college. For what? I changed my major like four times, so I have... Did you get a degree?

Okay, you dropped out. Well, I was going, I was trying to finish my basics and then try to go for the nursing program, but then I didn't have the money to pay for the semester, so I couldn't, I can't go back until I pay this semester. What's your payment? 100 bucks a month, your minimum? Something like that, but those... But what? Are you even paying them?

No, they just came out of forbearance, like four months ago? And she didn't tell me about that. Why aren't you paying them if they just came out of forbearance? Four months ago! Yeah, she didn't tell me, so it wasn't even in the budget. I found out when we were calling for the show. You know, they're about to be in default. Pretty damn quick, and the government will contact your employer of which, trust me,

they know who they are, and they will take your pay before even hits your accounts, called garnishment. Yeah. That's what's going to happen. Yeah. So are we getting on the payment today? Yes. We likely we'll have a back payment of like 500 bucks or so.

Yeah. I think it's like, I had her look into it and we get paid tomorrow and we're jumping on it because I did not know they were out of for a moment. I'm going to assume it's $100 payment on a monthly basis, but you're going to have to make up for it. I don't know how you're going to pay for that makeup. I just sold that Xbox and when that money had to the account. Oh, man. I'm still all on the Xbox, but. I'm literally.

In my teething it, yes. But that is very important. And I didn't know it was out of for a moment. So I need to jump on that. So we're going to skin up our teeth it for a little bit longer and hopefully get somewhere eventually. But I was kind of hoping I could like start school back up and not have to worry about it.

Why? Why is that always the excuse? That's for the laziest motherfuckers that are. This is a $100 payment. Go make, you're a mother. Almost. Yeah. Why is it go back to school to avoid a hundred?

$100 payment. So you're going to balloon your debt even more and they always defer it by going back to school endlessly. And now the student loans are different anyway. New student loans you take out or not is forgiving anymore. They're still very forgiving for it's worth. It's worse than that. She already went back to school once.

That's why they were in forlough for so long. Yeah. Because she stopped going to school before I even met her. And then she went back once already. And I was like, yeah, she's going to do it this time. And she made it a quarter of a semester and just didn't go back again. And now she wants to do it again. And so that's my trust issue.

It's like, why would I pay this so you can go back just to not finish again? Yeah, it's a good question. Why? I mean, I don't plan on trying to go. I say I wish I could go back. I don't have like immediate plans to go back or anything. I just. Okay.

That's the same face I made. They're telling me whatever next statement is, I need your phone or something. It's StarCard. Oh, yeah, yeah, yeah. Because we can't really get statements for that because it never loads and doesn't do anything right. We can't print them. Because everything run by the government runs perfectly efficiently. This is by the government?

Yeah, it's an installation-only credit card for like their base exchange and all that. And it's the worst thing in my life. Is that? I mean, I know to be effective. That is true. Oh, and you have a second star card, but it's in collections. Why would they give you another one? What the fuck is that?

So this one is mine. The one is his Before we even Before we even got together That was his Yep Sake, what the fuck are we doing What the fuck are we even doing?

Okay, here we go Yeah, you can do whatever you need to on that Screen recording, take it Oh my fuck Yeah This is insane Yeah, that one is aggressive This is insane!

How do we, how long? What the fuck? I haven't even had it a year yet 3,500? No, it's been over a year Has it been over a year? I can't, yeah Probably just

$3,596,000 It's 90 cents. Yep. What the fuck is happening? So that is... Oh, it's just... Oh, it's the... The Troopstar, Troop star, troop star, troop store.

Yeah. Bullshoulds fuck off. It's like a crappy Walmart attached to a gas station. Yeah. That's what the store is. What's the minimum monthly payment typically? It's 85, but I do 100 every... Well, I'll do 85 because I don't know why we would put a little extra to it.

That doesn't make any sense. That doesn't... That's not involved in any debt payoff strategy. Yeah. Well, what the fuck are we doing, man? Struggling. I say again. Yeah, by choice. Yes.

It's by choice, but struggling. You guys used to use the start card to buy electronics? Everything. Switches and stuff? Yeah, everything. He bought a switch. No. For himself.

Which I use. He bought me an Apple Watch. And then, yeah, her Apple Watch. He bought me a laptop. Oh, fuck, guys. That was the school laptop. It was a little $300 dinker that she'd, doesn't use at all.

Switches, Apple Watch TV, laptop, video game headsets, and other Switch maybe. This is... Yeah. Okay. Okay. Fucking crazy. Your guys' behavior, this is some of the most insane behavior I've ever seen in terms of spending.

Tell me the collections, the StarCard collections. So that one is fun. It's more of the same. And then it went to collections and they took our tax return to pay it off. Yeah, because it's government, right? Yeah, and it went down to $16 on it. Never told me. Never called.

I tried to call them nothing. They never told me anything about it. And the next year, they took it again. Still didn't pay it off. Because apparently in that year of interest, it accrued back over what it was at. And so now it's back at the same. Do you not check credit karma or something? It won't show up on there.

I don't know why the StarCard will not show up on there. And when I try to call them... Is it out of your credit? Yeah. It shows up, but it won't show me the amount. The balance updates like once a year. So what's owed on it? Right now, 1,800, I think, is.

Yeah, it just racks up so fast. And they're supposed to be low interest. That's their whole selling point. And then it went to collections and they were like, ah, no, it's like 800. Something's fishy about this, man. Yeah, and when I try to call them, when it's a big balance,

and I'm like, hey, can I do a payment plan or something? They're like, we only take two payments or three. That's it. So I would have to do. Because it's like $900. So I always try to push it. off and try to justify it. I say, oh yeah, when I can afford that $900 every paycheck. Yeah. So we'll call it $600. I'll try it in parentheses. Oh, I'll call back when I can afford it,

but I never can. So I never call back. So that's been the big thorn in my side is how it keeps racking itself back up after our, and I can't get a hold of them after they take our tax return. So many stuff things in this conversation, I don't know. It's just, it's hard for me to fully. That's fun. I don't expect you to believe me 100%, but that's not 100% believing. It's just like, I just don't know what's true, not as a lie, but as a, like, what the fuck's going on? Not exaggeration, I just don't think we know what's going on here. And we don't have, like, statements. Yeah, I can't.

We don't have statements to show. I tried to print statements for the star cards so many times. It won't open. And again, if you're choosing not to do these, like, three payments, like, 600 at the lowest, you're going and getting the $1,100. Yeah. Laptop two weeks ago. So, like, sympathy out the door.

No, yeah. I'm not expecting sympathy. It's just. I've been jumping through hoops for this damn star card for three years. Yeah, you could have finished it. I could have, yeah. Multiple times. Yep, and I never looked at that way.

You got the gaming PC in December? Okay, that would have more than paid this off multiple times over. But I didn't buy it. I mean, now it would have with the payments, but I mean, like, I didn't put anything towards it up front. I know, but it still works. Yeah, I know the math works out that way. That's the problem is it's like, oh, well, we want this.

Okay, cool. We'll pay exponentially. more and waste our time for the next two years instead and it just seems easier on paper and then before you know it you're getting railed from behind it's great more okay credit one indicative of having the worst finances is imaginable yeah that's mine okay well i don't use it i got it's maxed out 490 you don't use it but it's maxed out hmm that's he he uses it i don't oh what the why yeah that's uh we swift shot that's like crazy yeah i can almost guarantee that one's all uh gas food.

Why credit one though, dude? And oil change. And fees like, because she applied for it and they gave it to her. And she gave it to me. And then I didn't know the interest rate on it was insane. Oh, 29.

But listen, it's at $490 and $0.10. That was going to be like our four emergencies. $118 in fees this year so far. $77 dollars of interest, $30 minimum fee payment. Fucking crazy. Yeah. Okay. Capital one.

Union plus credit card There's two of those I have one and he has one Okay who's is this What's the Balance is $495.6 cents That's mine

So I think I got Minimum monthly payment $25 oh we're still purchasing On a card that we cannot pay off That will take minimum monthly payments Two years alone to do What's the charge on it? I don't know I'm about to find out

Interest $11.49 centres of accruing by the Are we spending on a car that we cannot even come close to paying off that is a greener. I don't know if we're trying. It doesn't matter. It might be my union auto. I can't turn that off. I've tried three times.

No, you can transfer it to a different device, to a different thing. Yeah, I'm trying to. A FGE local. Yeah, that's the union. And I've tried to cancel it. I've tried to transfer it. But our union is getting. Then tell the fucking credit card not to accept this anymore.

I did now. I did. I promise. No, that's a whole problem. Because our union is going through a bunch of crap. Also, we've had a late fee this year. Yes. $33.

$73. $71. 71 cents of interest accrued. Yeah, that's the union thing. It's like our whole government crap is messing with the union. So I can't get a hold of anyone to like mess with my payments. We can't get a hold of anyone for anything. With the government?

No, zero percent chance. Which is crazy because usually when they want your money, it's pretty easy. 27.49% interest on this. Okay, now you're a union plus. Yeah. Okay, you owe $306.63. The limits. You're over the limit.

you're over. What are we doing? This is just, you're hitting every financial audit milestone you could possibly hit. $25 minimum fee payment. Yeah, you purchased. It was at $360. You're already over. And then after you made a payment,

you purchased $30.98. Yeah. Then it just grew up $7 and $5. Pushing you well over. So I had like subscriptions like YouTube and so like that. But I said on the credit card. I took those off. So they're not on there anymore.

I'm glad everyone's done everything. The statement right before. coming on the show where their finances are going to be criticized, who would have thought? But yes, it's Apple Bill, Apple Bill. So that wasn't even moved over in preparation for the show. It was moved over to the joint account because it's under bills. Yeah, so it's just my... This just happened.

Yeah, I'm going to say... 27.49% interest rate. Because we just got the joint account. Yeah, so he put it as a bill instead of a... Wouldn't it the just joint account and a while and start? Last month? A couple weeks ago, yeah. Yeah. Oh, great. This is just collections, collections, collections, collections, it looks

like. No, well, open, open up. Okay, yeah. So 200. Is this all collections? Whose credit karma screenshot is this? Yeah, that's mine. Are they all collections? Yeah.

What the fuck? Why? Why just so many collections? No, that's mine. Because it says ally right there. Are they all collections? Yes. Why so many collections?

Because I haven't touched anything credit wise in years. Crazy. $2,58 in collections. I assume you're not on any payment plans for those. No. Okay. Who has the 2019 Toyota Camry? That's mine.

Well, it's a 14, or 12% interest rate. It's crazy for your guys' income situation. Yep. It's a $26,152 balance. For your guys' income situation for one car is rough, man. What do you think it's worth? I think it was around 18,000. Just about, yeah.

So we're underwater. Yeah. 26,1502. 38 cents. 12% interest rate, minimum monthly payment, stacking up like crazy. Good luck making a budget at the end of this. We'll see.

$579.38. That's the less crazy vehicle. Yeah, mine. Of course it is. Great. Can't wait. Thrilled. Okay.

What's this next car? That is the crazy vehicle. Ford F150, of course. You need it for going to work. We can have this. I use it for work. What? I do maintenance.

I have to move around all my materials. And there's no work vehicles. There's one to share between all of the maintenance. There you go. But. So let's not justify getting in a car. It's not like I can go buy a Toyota Crolla. Yeah, he doesn't fit in cars.

At all, whatsoever. And I have a fake knee. It's not like truck cabins is the largest things in the world, though. Yes, it's massive. I have room. I can sprawl out. I can put my legs straight when I need to. Some SUVs have big room, too.

I tried. So I went to six dealerships in our town, every single one, and four dealerships in the town 45 minutes away. The only dealership that would approve me is that one, and they had that in a minivance. and I tried to do the minivan, but I did not fit in any way. Well, you owe $27,128.45 with minimum monthly payment, which is absolutely disgusting for your household, but we're justifying it to death. $742.19.

Yes. Yeah, it's worth $24,000. So we're underwater on both. Yeah. Also, this is interesting. I mean, you told Lindsay that you got turned on for a $9,000 car. How'd you get magically approved for this long? No, I got turned down at the dealership where they had.

like buy here, pay here, $10,000. This is that a 21% interest rate. Yes, that's why I said that's the egregious one. Yes. Sake. Yeah. You can give me the line, sell it, get something different. I can't get approved anywhere else.

That is the only dealership that approved me for anything. Once we clean up our credit, maybe we will. Yes, once it's cleaned up 100%. I will go get the crappiest Ford Ranger built in 1492. That's fine. But as of right now, I will die on the hill that that truck is all I had. I would not have made it here for this, if not for that truck. I cannot be in a car car like her car.

I can't drive it more than 10 minutes. No. Barely. Nope. Economy plus, maybe if I sit like fetal position and cry the whole way, maybe. Yeah, it sounds like you can't do anything. The story of my life. Okay, this is a mortgage.

What's your house worth? I think Zillow says 132, 136 around there. Little equity position. Okay. then Zell is usually a little over Zellas. Yeah, yeah. $96,790.50. I love the 3% rate.

Yeah, we got. What's the monthly payment? 912.32. Very curious to see how this bunch of stuff. It was $6.50. Every year it's just going up. Yeah. Okay. I think we actually finally made it through the debt, did we?

Yes. We're the Hartford, with decades of experience insuring millions of unique small businesses. When it comes to your small business insurance. Thank you. One size, absolutely does not fit all. Get a quote or find an agent today at thehart.com slash small business. Every ledger on my spreadsheet.

Did we? There's more collections. Wait, yeah. I have more credit cards. Yeah, I don't know where her collections sheet is. It should have been in there because that was only my credit karma. That's why I thought that one was mine because I thought it was. Yeah, I don't know because I sent it.

Why don't I have it? I sent in the screenshot she sent me of her credit karma. I'm pretty sure. When's he's going to read then? So we have her two payday loans that she stopped paying on. One for $1,300, the other one for $800. He also has a payday loan for about $200. In collections or he has it?

No, no, no, it's in collections. Yeah, it should have been on that credit card. Yeah, I don't. So then she has two Capital One cards that are both in collections. She's a GameStop card that's in collections for $600. $20. A JCPenney card in collection,

$65. She had to open that because there was a watch she really won't. And she couldn't afford a cash for her at the time. So opening that card made sense. She also owes

Verizon almost $3,000. She had a phone, a backup phone, a tablet, and a watch, and she just stopped paying on that. Then she has a $1,114 collection for debt consolidation.

Yeah. No, my fuck, I don't even know, guys. This is so bad. You guys just have everything. Almost all of that was pre-relationship. I don't give a fuck. I don't care. When does it even matter if it is?

Look at the debt you guys have accumulated during your relationship. It's not like, oh, so much better now. It's like, I have their firm, too. I don't know why it wasn't in there either. but you have an additional affirm. Like I have my own. The one that got her band from it. And you're balancing checking account, $52.

Winning got some BS, got some McDonald's, Chinese restaurant. United Cash app. Go in and getting some BS, getting some BS, Sonic driving, getting some BS, McDonald's, get in some BS. Good luck, guys. Getting some BS, United,

getting some BS, getting some BS, Getting some BS. Getting some BS. Getting some BS. Getting some BS. Get in some BS. Brom store. Taco Bell.

Getting some BS. Brom store. Getting some BS. Getting some BS. Cash app about $55. F F-F. Chime. I use their high-ield savings account.

So I do like them. But, I mean, this is just like, what the fuck is this? You ended with zero dollars. I know what the fuck we're even doing. Yeah, I left. Oh, you got a lovely little. pay advance and pay advance and cash happen out and pay advance because he's so good because everything

was so bad before the relationship like that f***ing matters look what we're doing now we're pay advancing and pay advancing actually you can use it in a leverage way that is actually good but I know what the way you can do it it's absolutely moronic in any way whatsoever I did originally and then I got stuck in the cycle well now I have to use it again and again and again no because you weren't using it properly or else you wouldn't have gotten stuck in a cycle there'd be no cycle if you're using it correctly I don't want to hear it when it got some BS when it got some B-ass fresh steak's house. Went cash nap out $617.

Pay advance, Spotify, steam purchase. Great. Never get things for myself. Pay advance. $92. Pay advance $139. But thank goodness we're going to getting a video game. Little Caesars. Pay advance. Crunchy roll.

Lick your pizza hot. Pay advance. Getting some B-ass pay advance $140. I'm going to die. What is the point? Chime ending with $752. Oh, that's his credit builder card. Yeah, the credit builder card on chime.

Huh? Oh. Yeah. So, like, most of the transfers back and forth are between those two cards. BS, BS. I'm gonna fucking die. Okay, what is KC2 distribution? That's the cigarettes.

Cigarettes. Cigarettes, cigarettes, McDonald's. Going to get into BS. Cigarettes, McDonald's. Get into BS. BS. Cigarettes. BS.

BS. BS. B. Donald's Fred Stakeshouse. B.S.B. Strickland Brothers. B.S. B.S. Sonny's death. 763 in this account.

I don't even know. Transferring back and forth, it looks like. Spot me. Great. Wonderful. $99 in there. Kill me now. Cash app. Zero dollars. Wonderful. Money came in. Money went out. Cash up being sent.

Cash up going out. Diculous. Sofi. That's the new joint. account we just opened. Personally, I moved down from them. I wouldn't recommend. Oh, really?

Okay. It's just the way you get access to your money can be a bit funky and so far. I did not know. They made it harder and harder. They were good at one point. They made it harder and harder. Okay, yeah, I just went for the first one that had good reviews and all that. So I wasn't sure.

Yeah, plus their interest rates are low compared to, like, chime and stuff. Yeah, we all had chime at one point, and I was using the spot me. Yeah, we all transferred off of it because we were just habitually abusing the spot me. If you're abusing that, then you certainly can't use it. It's only good for those who can. Okay, 4,600 comes in on a monthly bus basis. Good luck us doing this budget. Dead alone, $2,309.56.

Also basically, nope, yep, half of our entire income. Great. Add in the mortgage. Now, mortgage alone, $912.32. What is our utilities? Gas, electric, trash, blah, blah, blah, internet, all that combined. What's our utilities? It's a total of 472.

Gas, Vroom, Vroom, Drive, Drive for both of you combined. It's 210 a month. Car insurance is 200 a month. Bone bill, 270 a month. Groceries, okay. 600. 600. Oh, yeah, 600 to pay you.

300. 300. That should be fine. TP fun, I'm going to say about 150. You got to keep you a bit lean here. healthcare medical, co-pays, anything? What do we got? All comes out of our pay before.

Yeah, co-pays, though. No, because she has... Medications, co-pays, therapy, you know? Okay, gym? Free. Good. Subscriptions, I'll try, $20. Pets? We only have YouTube for subscriptions.

It's premium for the kids in us. Pets? We have two dogs and a cat. Ages and health? One is around 13. Okay, not that one. The other two? It was like 13.

She'll have, she's like... Jinx is four. Nine, five, and then the cat's like three. Jinks is four. Okay, for the five and three-year-old, how's their health? Good. Okay, get pet insurance. I'm going to say 50 bucks for both.

How much for pet food on a monthly basis? Um, we buy 75, 65, 65, yeah. We'll call 75. Anything else that needs to be in your budget? Speak now. I've watched enough to know that I can't say cigarettes, so no. Well, no. I'm not going to sentence you to death, really.

I'll work on it. $4,600 comes in, great. What you need is $5,268.88 on our minimum monthly basis. Well, we have the roommates and I'm trying for the second job. Oh, yes. How much comes in with the roommates? One's leaving after that. After that, $900 a month.

Okay. So that is going to leave you with... And I did just get a promote... Or not a promotion. Just a pay increase. Well, you're going to have wiggle room of about $231. Okay. Now, with the roommate thing.

And hope that other one doesn't leave. Okay, well, I mean, with that, I mean, the bad debt alone for the $72,000 of bad debt, $231, that takes that 311 months to pay off, or 25 years. So here's what I'm doing. Credit's already. Change your behavior for three months. Work on a budget together. Again, use the dollar-wise thing. Go through the budgeting class.

Go through the debt class. Go through the beginners class. Go through all them. You get them for free. Use the budgeting app. You get the premium version for free. change your behavior for two to three months. So you guys are sit down, you're budgeting,

you're showing, just like stop even paying on the debts. Show that you guys can budget in life. Obviously, paying on the mortgage and car. Yeah. Pay on life that you can budget a very conservative budget, and you can be stricter, you can cut back on the bull and stop going out. Then, after you do that for three months, bankruptcy. Yeah, I was looking at that, but I didn't.

Bankruptcy. I didn't want to go into it blind. It costs a few thousand bucks. It can definitely be. stressful in a relationship, but do it. But if you do not change your behavior beforehand, I'm going to sit down with you in two years and you'll be in the same situation again. So change your behavior for three months, then go through bank sharpsi.

Your credit's already f***ed. So it doesn't even matter. Yeah, your credit will be for like seven to ten years. But you already have a mortgage. You don't plan on moving for like 15 years anyway, so we can go through this and that will set you up for a better future. Okay. All right, guys, make sure you come to the post show.

I'm going to give their Hammer Financial score, but make sure you come to the post show. there's always more to talk about and we'll go through all this that we didn't have a chance to it's fucking crazy but same for financial scores spending your budget while you ever spent

zero out of ten debt well you have collections zero out of ten emergency fund I didn't see anything in saving zero out of ten real estate we do have an equity position it's the thing we don't like

I don't like that it's under 1,500 square feet for a de-attached single family home that may we might want to sell and it doesn't sound like it's a great position but we have an equity position do like the interest rate, I'll give you a 7 out of 10 for there.

That is going to help your score for sure. That's the only reason I said 1. Man, Hammer Financial Score rounded up, 2 out of 10. Guys, join Hammer Elite. Hit that join, buy and join us for the post show, ladies and gentlemen. You'll get three premium shows posted every single day, Monday through Friday. You got to check it out. I'll see you in the post show.

Cassie has a secret dad behind his back that he doesn't even know about. What the fuck do you have? I borrow money from my nana. I thought we weren't dealing with your grandma anymore. She just gives me money, like, if I need it, so I just borrow money and pay her back. Is she going to screw us on taxes again? What? Well, how much are you borrowing from grandma?

It's like, $1.000 to $1.000. Why? And he doesn't even know this. You know what she wants to do, guys? She discussed it with you. She wants everything to come into one account and then give you two allowances. The one who makes no money handing out allowances. That's not where I was thinking. Yeah, I told you that before.

And you guys talked about bringing in a second dick. It would get more affordable. It would be more than just a penis. It would be a loved penis. Is this you guys again? Yes. Wow. Okay.

Everything is done. I don't have any credit cards open. Do you just want to combine so that we have for income? Already just hearing this conversation, Alice, so far. Are you not nervous to get involved on this on a deeper level? Caleb, you mind if I take a second. Please. Take a second.

He's probably going to need time. Well, before he comes back on? He's very angry and he's going to. to hold a lot of anger specifically at me. How does that usually, what usually happens then? He's going to shut down. You can't reason with the sun. Trust us.

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