Financial Audit - The Worst Finances In Financial Audit History

Starting point is 00:00:00 In what fucking world did you guys think you were ready to bring in a child into this world? Mindset is that. Oh, you weren't paying them. Your mother was. But they were still being paid. No, that's not the point. If you guys can't even survive on your own, how the fuck do you think it's time to be parents? We weren't.

Starting point is 00:00:16 Your mom was. Are you not able to understand this? What, paying it off? I haven't seen paid it off ever. Where's the payoff? Show me the payoff. I don't see it? What are you talking about payoff?

Starting point is 00:00:27 You're a fucking dumbass. How can you tell me your pay off? Where's the payoff? It pays off. You pay, you pay. Look, okay. No, it literally does not show up. It does not show up.

Starting point is 00:00:39 You f***, you, you, eight child in there. Your mother's, good luck in there. The summer budget reset is now live. Get a full year of dollar-wise premium plus my four best-selling educational courses and a digital copy of my budget-friendly cookbook. And my exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before, and it's only for a limited time.

Starting point is 00:01:05 It is 67% off everything. So don't wait until that first pool party to get financially ripped. Click the link below. Save big. Claim your bonuses now. Hello, I'm Jessica. I'm 32 years old. Hi, I'm Angie, and I'm 31 years old.

Starting point is 00:01:20 We're from North Dallas. And this is financial audit. Okay. Too stiff? I don't know. Are you scared? Like, thanks for coming on. What?

Starting point is 00:01:35 Well, I don't know. You're excited about something. Jessica, what do you do for a living in North Dallas? Truck driver. Wow. Yeah. Semis. You're not a...

Starting point is 00:01:45 You don't do conversations, do you? No. No. No. We're a podcast. All I do is talk to her. I'm the one that talks. Oh, yeah, and she does all the talking for me.

Starting point is 00:01:57 Are you on the truck as well? Yep. Okay. Do you guys truck drive together? Yep. Is this how this works? Okay. So how does this work? How does this look? Is it one paycheck, two paycheck? How does this work? You're getting paid for the route? Separate paychecks.

Starting point is 00:02:09 So you're not in the same truck? We are in the same truck. Why is this separate paychecks then? Are you not just completing the same route? We're two people. I know, but it's not paid per route. Okay, okay. Listen, I mean, I'm not a trucker. I don't know. You tell me. Educate me. What do you make, Jessica? I make, um, I'm going to say, what you actually make, though. It varies. but the average is 13 a week, 1,300 a week. Very good. Is that what hit your account or is that what you make before? That's what hits my account. Okay, $1,300 a week. Okay, very good. Angie, you paid more?

Starting point is 00:02:49 No, make the same. We make the same. We're in the same truck. I did get that fact. That is true. But I wanted to make sure. So that means the household net income is $135,000, $135,200 a year.

Starting point is 00:03:06 That ain't bad net. And in suburbia, Dallas, now the North Dallas area is where it gets a bit more expensive in the suburban life. But listen. I could have sworn we made more. We do make a little more. Then why would you tell me that number?

Starting point is 00:03:21 I would like to know how much you actually make. This is financial audit where I audit the finances of which I would need to know your income before we do anything. Would you like to try again and tell me what your income is? So we do part two? It varies. So I put an average. Okay.

Starting point is 00:03:35 Well, if that's average, you wouldn't make more. I beg the course of a year. That's not average then. I begged a difference. She doesn't handle the money. Okay, well, you don't handle the money. So how would you know? I won't just swipe the card.

Starting point is 00:03:50 Boom. That's how you beg to differ. You swipe the card? That's an interesting argument. Because I think I make more money. I'm about to make myself retarded. You think you. You think you make more money.

Starting point is 00:04:02 Do you make more money? We make more money. Are we married? Yes. Congratulations. How long? Hit a year. In March.

Starting point is 00:04:09 In March. Okay. How long were you dating before? 2020. 2021. So five years. Okay. Yes.

Starting point is 00:04:18 Very good. Okay. Well, that's actually kind of low and slow. Yeah. For Les. This one. Situation. Well, that's good.

Starting point is 00:04:27 Well, welcome to being responsible, I think, right? Is that what you were trying to be? Were you trying to be responsible? Maybe. Okay. Oh, you were her trucking instructor. Oh, you, like, groomed her a little? No.

Starting point is 00:04:41 We were best friends for a year. And then. She's her driving instructor. Okay. Only for a month. Were you best friends before that or after that? No, I met her in the truck. We met in Chicago.

Starting point is 00:04:55 And you locked her into your semi? She hasn't been able to leave ever since. Well, I was quitting becoming a instructor and moving to just driving regular, and she needed a partner. What kind? I needed a trucking partner because I was about to get off. Well, you guys were driving a year together, and then all of a sudden, one night. Yeah, but only trucker instructors get a new student, and then I have to go off and find my own partner to drive with. And I didn't want to do that.

Starting point is 00:05:25 Yeah, I was saying you guys were driving for a full year together, and all of a sudden someone made a move. Got a little juicy, a little spicy. Just a little bit. Just mild, spicy. Okay, so what's going on, guys? What are we talking about? I guess I don't know how much money you make, but... Well, I said, oh, well, no, Jessica says this is how much you make.

Starting point is 00:05:45 Yeah. And am I trusting Jessica? Mm-hmm. I feel like I'm trusting Jessica because at least she looks at the account and being told you don't. You just swipe, right, Angie? Mm-hmm. Dang. Swipe, swipe, swipe, swipe, swipe, swipe, swipe, swipe, swipe, swipe.

Starting point is 00:05:58 That's what she's seeing's on Christmas. She also calls it the magic money card. Never run out. Wow, that's someone I would want to attach the rest of my life to. Why the f f f*** you picked that? That's delusional. Just look at me. What about you?

Starting point is 00:06:17 I can't tell which one looks more like a man. Like, I don't know. What am I supposed to be doing here? Oh, rude. Kind of, I guess. Not really. I mean, you're lesbians. I mean, you get it.

Starting point is 00:06:26 Lesbian truckers. What else am I supposed to do here? Come on. We're here because my wife got pregnant by a man. that is usually how that works Another man Well amen I'm not an A man

Starting point is 00:06:38 I'm not A man I mean you were the one that just got insulted When I said you looked like one I'm not a man I mean I knew that Yeah You know that okay But

Starting point is 00:06:47 I did I knew I needed Oh you figured it out Okay Took me a little bit Well yes that is usually how that works The nut of a seaman From a penis attached to a man

Starting point is 00:06:59 It is usually how A woman such a woman such as yourselves gets impregnated. Well done on that. Thank you. How'd you find the penis? Facebook. What and the fuck are we doing here?

Starting point is 00:07:11 Do you know about the penis? I do. Oh, you know about the penis. I picked them. So you can send it to the penis? Yes. You picked the penis. You help pick the penis?

Starting point is 00:07:19 Penis picker? Yes. Okay. We looked into pregnancy. We looked at how much everything was going to cost. We thought about IVF. Oh, it's expensive. Yeah, but you guys make good money, but go ahead.

Starting point is 00:07:32 Continue. too expensive, so I took the opportunity to look on Facebook. Facebook? Yeah. Facebook Marketplace, not! Not Marketplace. There's groups. Oh, okay.

Starting point is 00:07:46 That makes sense. There's groups for all this. Yeah, there's sperm donor groups. Okay. Thank you, Zuck, for providing. Very good. Okay, so what did you find? I don't know.

Starting point is 00:07:56 I've never done this. Well, we found a lot of creeps. Who would have thought? Not me. So we had to filter through all that. because they like... What, they just want breeding things? Yeah, and most of them, they want to do it all natural and stuff.

Starting point is 00:08:10 Well, yes, they want to stick their penis inside of you. So we got to... Absolutely not. That wasn't an option. Yeah. Oh, so what did we find instead? Still a lot of creeps. So you selected a creep?

Starting point is 00:08:24 No. No, he... Well, then that's where you would answer. So what did you find instead? He's very nice. I found a nice man. A nice? A nice 27-year-old.

Starting point is 00:08:36 Yeah, let's see what this guy looks like. And how much did you give him? It was free. There are people that charge. What's the point? Why'd he do it? To help. He likes helping people.

Starting point is 00:08:53 He has... Okay. I mean, definitely insult. But the thing is... The insult, I feel like he would do that so that he could like... have sex, but like you guys didn't have sex. Okay, you guys all friends.

Starting point is 00:09:09 How far? Do you guys like live next to him? Is he going to be a part of the kid? No, he lives four hours away. Okay. Is he going to be a part of the kid's life? Is this going to be complicated? What kind of rules and regulations?

Starting point is 00:09:21 Did you do paperwork and shit? Yeah, a lot of paperwork. Okay, a lot of paperwork that was legally approved or is this downloaded from lawyer.com? I mean, I was notarized. Oh, notarized? Yeah. Officially notarized?

Starting point is 00:09:32 Yeah. Actually, okay, okay, okay. Well, not that they, not that a not that a notary specifically would say that, yes, this document is going to hold up in a court of law, but, you know, they validated that at least it was signed correctly. And he plans to give us three more. What is he getting out of this? I'm so confused. He's helping us. He just helps people.

Starting point is 00:09:52 He's very nice. So he just wants to spread his seat all over the world. All over. I think he has like eight kids right now, two long away. in that document it also says you cannot get child support, correct? Correct. Thank for him.

Starting point is 00:10:07 Oh my goodness. We wouldn't understand. This is a weird passion for him. Although somebody is doing that to somebody else right now. Well, yeah, no shit. That's what I would be nervous of. Okay, so he's not going to be involved again. So listen, are we even ready for a kid?

Starting point is 00:10:24 I don't understand how we're going to do it. You want a different job? Are you going to stay home? I don't understand. What are we going to do? We live in a truck all day. Are we long haul, short haul? What are we doing? Long haul, right?

Starting point is 00:10:33 Kind of long haul. How the fuck could we do it? Kind of long haul. We're on the road four days out of the week and then we're home three days. How are we doing a newborn, especially too, because you're going to do it again immediately? That's when we swing. Did we do the end cell? The insult and that? You know, these kids are going to be shooting up schools left and right.

Starting point is 00:10:47 No. No. Okay. I don't believe it. If we're long haul right now for the next two months. Three months. You give birth in three months. I want to go all the way to the day.

Starting point is 00:10:59 Oh, you both tried to get pregnant at the same time. How the fuck were we going to do that? You wouldn't be able to do that. You know, for long-haul, if we're almost long-haul trucking, how the fuck were we going to do that? Figure it out. Oh, what an answer. Let's know what was your plan, guys?

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Starting point is 00:11:46 with I-gaming Ontario. All right, you just roll with the punches. No, okay, well then you're a selfish because the kids come into this world and we're just going to roll with the punches. You're not doing anything. Fuck you. With the punches.

Starting point is 00:12:01 You have a kid playing for the kid. Make the kid's life good. You've got a plan, but not too much plan. Okay, then what's your plan? What's your plan? What's your plan? Your roll with the punches. That's your plan. Okay. Until work says she can't work no more. You're laughing. That's funny. Your kid's not going to have a plan. Kids not going to have parents around them.

Starting point is 00:12:18 There's a plan. She just doesn't know the plan. Oh, she doesn't know the plan. Yeah. The person who also tried to get pregnant and wants to get pregnant next. What's the plan? Planner. Tell me. We make enough money for one person to work. Maybe. I don't know what's your rent. Our rent?

Starting point is 00:12:36 1,200. Yeah, you could do one person. Okay. See, that's the plan. Okay, well, there's usually more bills than one person. I mean, I have a stack of debt. Why are you in debt if you guys make so much money? So, fuck you. What's the plan? Roll with the punches.

Starting point is 00:12:48 Shut the fuck up. I will murder you. I'm telling you, roll with the punches. She says she knows the plan and you don't know the plan. You've never heard of a plan in your life. You go as the... Is that how you got here? Yeah. Yeah.

Starting point is 00:13:00 I don't think that worked. very well. Are you sure? You're on financial audit, bitch. So you, what is the plan? With the punches? With our first one or with more to come? Let's hear both. The first one, my ideal plan is roll with the punches. Stop saying that. I'm going to still do trucking, but local, which I'll be home every day and I want her to get a job that at least makes $500 a week. Are we taking care of the kid then If we're both still working though Full time

Starting point is 00:13:33 There's daycare Okay you're doing immediate daycare at zero Okay Or You have to be able to afford that That's expensive I could have maybe my brother He's a good breastfeiter

Starting point is 00:13:46 Yeah, yes yes Pump into the fridge I know I get it And also I'll be working overnight So during the day No Well okay So you take care of the kid at night

Starting point is 00:13:58 One of your days off? I gotta go to bed sometime. Because you gotta, yeah, you have to sleep. Exactly, that's what I'm saying. Like what? When's your time with a kid then? What? You're literally a couple months away from giving birth

Starting point is 00:14:09 and we have no idea how the fuck we're taking care of this kid. That's kind of selfish. Just because you guys wanted to have kids. I want everyone to have kids who wants to have kids, but you got to at least think of what the fuck life looks like. It'll work out. And you're immediately going to get pregnant again.

Starting point is 00:14:21 It'll all work out. And also, how are you the one got that pregnant? When you both took the nut. Mine didn't hold. clearly hold yeah it didn't take oh it didn't take okay well

Starting point is 00:14:34 it's a little different well doesn't it's talking like miscarriage I don't know hold yeah you got a miscarriage no you got a you got a in you put it in inside

Starting point is 00:14:46 okay so we have no plan we do that my plan was pretty good you've you've rolled with the punches how are you seeing the kid how are you taking care of the kid. I feel like we don't have anything here.

Starting point is 00:15:00 And you're on media, how many kids are we going to have? We want three. Ideally, three. But if it comes down to it, we'll have to have four. If we have four, three boys. Yeah, but she wants to stay at home and be a trad wife, I'm being told. She's tried it before in the past and it did not work. With who? With you? Yeah. Who else? Well, what failed? I don't know. Someone you may have been with before. What the f*** you think? I had to make her get a job. Absolutely not. don't know your life. I don't know you. How would I know that? Shut the

Starting point is 00:15:30 fuck up. You obnoxious creature. So what failed? Laisiness. She didn't keep the house clean. Oh, so you wanted to be a, okay, that's not trad wife and you're just a lazy But I had, I had other things. What were you? What other things you had? I was making carpets. I was. Oh, making carpets. Yeah. I was trying to choose, trying to find something. to do. She has a lot of hobbies. That's not tradwifing, though. That's just you doing what you want to do and having her work.

Starting point is 00:16:05 No, because I could technically make money. Let me guess. You call yourself an entrepreneur, too. Yeah, I do. Yeah, what's your little entrepreneur? I told you making carpets. Yeah. Custom sneakers. Oh, wow. Custom shirts. Custom shirts.

Starting point is 00:16:22 Uh-huh. And we've made. Zero. Uh-huh. They call them her hobbies. It's a working progress. They're just hobbies. Uh-huh.

Starting point is 00:16:33 Yeah. And that, I mean, it sounds like that's all they'll ever be. I don't want to shit on your dreams, but like you've made zero in how many years? And she... Of making carpets. She wanted me to stop a hot shop business. Actually, I only started a couple months ago. You already start a pot shop in Texas?

Starting point is 00:16:48 I mean, that shit just got like pretty much extra. No, we did start a hot shop business. A hot shop. What's this? It's where you get like a doly truck and your own train. trailer and do loads yourself. And what have you made? Nothing.

Starting point is 00:17:02 It felled. Lasted like four months. You didn't even make a dollar? We made money. Did we not make money? All those trips we took all over the place. For as much money we invested into it, we did not.

Starting point is 00:17:16 We only did it for a couple months. We're not going to make back what we put into it, though. Maybe if you helped a little, we would have made a little more money. How did you want me to help? Booking to loads, come with me on trips. Did I not sit there? It was your idea to start the business. I have a lot of ideas on a lot of business stuff.

Starting point is 00:17:40 And that's why I stopped listening about your little different businesses. Everyone has the, everyone could have the idea, oh, I'm going to make shoes. That's any unique idea to make shoes. We've done that. Humans have done that since forever. But you're not, I'm sorry, you don't have a unique. idea? What's your unique idea? Everyone has picked up things and moved them. I don't have a unique idea. What are your ideas and business then? You're not going to do anything

Starting point is 00:18:04 if your idea in business. I'm going to make shoes. I could try. No one does that. Try what? You have to have what do you bring into the marketplace that is actually unique? Nothing. Nothing at all. Then stop. But I have a lot of ideas. Ideas. What are your grand ideas that are not already being done the exact same way, but better? You have any idea? You know, I'll come up with it. I will. I will come up with a new idea. It's a wonderful strategy.

Starting point is 00:18:32 It'll just happen. Maybe my kid would want to join this wonderful idea. Oh, poor child. What the heck? What do you mean? Were you going to make them make carpet? No, not carpets. Like, that's another...

Starting point is 00:18:46 Well, that's your thing. You're a freak making carpets-closed shoes. You couldn't even... You somehow. In the world of the Dallas metropolitan area about to be the third largest metro in the country. Could it make money moving things for people? Why would I want to move things for people?

Starting point is 00:19:04 Why did you guys do it then? The hot shop. Why did you guys do a hot shop? But that was for like, I'm thinking you're thinking of moving people's houses, not like... What were you moving? Tires.

Starting point is 00:19:19 Good. And you couldn't even do that in the fourth largest metro in the U.S. About to be number three. You couldn't even make that work there with millions of people. How the f*** are you going to be able to do anything? But that would, that's out on the road. That wouldn't benefit.

Starting point is 00:19:34 You're just going somewhere to pick shit up. What do you mean not benefiting anything? It's money. We were all over the place, all over the U.S. All right, you do have a new business venture. She told me the other day she wants to be a barber. Yep. Never once cut.

Starting point is 00:19:46 Oh, yeah, be a barber. Very good, yes. That is. Again, that's not you having a business idea. That's just you wanting to do something different. My crampets are great. Yes, she loves. Munching on those carpets.

Starting point is 00:19:58 as we know, listen. You love switching on everything, like jobs and everything. She gets tired. Well, I get bored. I'm all over the place, too. Like, I want to do a thousand different things, but you got to lock the fucking, you have a kid coming in a couple months.

Starting point is 00:20:12 You don't get to choose this anymore. You don't get to be that independent. May? I think it is. I have a lot of ideas that he could potentially think that it might be a good idea. Hey, maybe let him be an entrepreneur then. How about you take care of the roof over his head today? Easy.

Starting point is 00:20:28 I join him. I have the money. In 18 years, you can. Today, make sure there's food on the table. Today. Well, I guess I'm going to have to just still truck drive until I find a new idea to come up with. It's not about ideas.

Starting point is 00:20:47 You're not coming up with ideas. Cutting hair is not an idea. What do you think you aren't? Dude, you're the laziest entrepreneur I've ever heard. Or the most, I can't tell. Well, it's new. No, it's new to me. Cutting hair.

Starting point is 00:21:01 That doesn't mean it's new to humans. Other people cut hair. I can't just think out of the box. I can't just be like, oh, I want to. Do something else. Cold hard truth. If you can't think out of the box, you are not an entrepreneur. Give up.

Starting point is 00:21:14 No. I refuse to give up. Well, but you're not an entrepreneur. If you can't think out of the box, you will never be successful. Can you help? I think it out of the box? Help me. What do you want me to help you with?

Starting point is 00:21:27 What are you talking about? I want to do something that will benefit our lives and our kids' lives. Good. Work. You make money. You guys are over six figures net. You guys do incredible for the metro for the country. Work and be on the road and never see my kid.

Starting point is 00:21:43 You want to do something you want to do. But I thought you guys were three on, three off or whatever. I don't know. Right? Okay. You're going to see the kid. No. No, I want to go to games.

Starting point is 00:21:57 I want to go to his games. Well, first of all, he's going to be zero. He's not playing baseball this year. So, like, you have some time to do a transition into some different kind of trucking or something. Yeah, but at zero, he's even going to be smiling, seeing people, seeing colors, seeing me at zero. And if I'm on the road...

Starting point is 00:22:20 Bro, if you're working three days, you're going to see a lot of smiling for four. You don't just work three days. You're off three days. And if... You're off three. You could request to work only three days. Well, there you go.

Starting point is 00:22:31 You'd get a good amount of money still. No. Because you guys already make a lot of money. You can take a little pay cut. How? With what she just said. You're so stupid. She just said.

Starting point is 00:22:41 What? We have so many bills. What then you can't do? Your plan would it make sense then? Because your plan was based on basically only paying for rent by one person stopping working. No. So what? She just said you have a lot of bills.

Starting point is 00:22:55 We have a lot of bills. I just need her. to get a job that's going to make her just $500 a week. What is this $500 a week thing? What is this? What is this target? What have you done? Does she even know this?

Starting point is 00:23:05 Does she understand? Make the logic work for me. I've told her. Tell me. Because say I continue making like at least $1,200 a week. That's what, $4,800 a month. And then if she brings the extra $500 a week, that adds $2,000. So that'd be like $6,800 a month.

Starting point is 00:23:27 That's good. I'm gonna be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans, and collections. Whatever. Your interest rates are different. Your payments are different.

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Starting point is 00:24:42 PDS debt.com slash hammer. You suck with money. So you download a budgeting app. You start with the classic one. Wineab, but everyone just deletes it because it's way too complicated to use. So you go to every dollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way.

Starting point is 00:24:59 That's not very personal finances. Rocket money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they wanna sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data.

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Starting point is 00:25:44 that we just had about this business and stuff like, what the f-how? How do you guys even have conversations around the finances in the house? What does it look like? What do the conversations look like in this house? Basically, I can't spend this. She starts talking about her business adventures and I shut them down. What do you do? No, tell me. I want an example. What do you do?

Starting point is 00:26:03 Give me a reason and conversation about it. Okay. I want to be a barber. No. What about a tattoo artist? No. Why? Because you've never even drew.

Starting point is 00:26:15 You've never draw nothing. You're not drawing nothing. You got to learn. You got to teach yourself how to draw. You got to, you learn. It's like a learning process. And then barbering, you've never cut in hair. I even my hair you don't cut

Starting point is 00:26:27 I did too cut your hair out on the truck that one day you were like oh I need you to cut my hair what did I do? I bawled it I bawled you That's not

Starting point is 00:26:38 That's a baldy That doesn't That doesn't require skill What's the fuck I feel like two toddlers Are having a conversation This is how it looks in this house When she talked

Starting point is 00:26:47 What the fuck? This is like a grade school conversation What do you expect An adult conversation We just had one about a job. It was a grade school conversation. I cut your head on the road, didn't you see?

Starting point is 00:27:01 When I took out my scissors and started to sniping? I disagree. Oh, good rebuttal. You? Well thought out. Very nuanced. I am. You are? What?

Starting point is 00:27:14 What are you? I just think that I... You guys need to get out of the cabin, man. Why? You can't talk. I talk to people on the phone. I talk to people in the shipper. In the shipper?

Starting point is 00:27:31 Yeah. I don't know what the shipper is. Where we go to unload the truck. Okay, so, okay. The shipper. Very good. Now I know what a shipper is. Glad I learned something today today.

Starting point is 00:27:43 Okay, so that's okay, conversation around the job. Sure. What about when it comes to spending, budgeting, our goals, everything like that? How do those conversations go? Who is what? Because I know you blame her for the dad. I have the note. I was just typed that you.

Starting point is 00:27:54 blame her for the debt. Does she even know you blame her for the debt? Angie, do you even know that she blames you for the debt? No. No? Okay, so what are the conversations that happened? What is the insight? I need insight and how finances are communicated in this house, please. Literally, I want to, hey, can I buy this? No. You at least ask for everything. Not for everything. Then what are you saying? If she sends me down a wrong path. And I'm like, oh, this is cute.

Starting point is 00:28:23 I'm gonna get it. Cute. What's cute? Baby clothes. Okay. And I'm like, oh, I'm gonna get it. But me, she'd be like, oh, no, it's too expensive. She'd be like, no, don't do it.

Starting point is 00:28:38 But I'm just going for cuteness. I don't care if it's like... Oh, Jessica, what do you think about this? How do you communicate back? What do you communicate back? Because my communication would be divorce and murder. But what would yours be? No, never.

Starting point is 00:28:53 You wouldn't render me. Okay. How do you communicate back? I just, just a simple no. That's it. And there's no pushback. There's no worries. Usually there's no pushback.

Starting point is 00:29:05 Why are we in debt? What are we struggling? If you can just say no. And you're the financially responsible one. You can just say no. It's just like, okay. Then why the fuck are we struggling? You guys make a shit ton of money.

Starting point is 00:29:15 If you've been pregnant for, what is it, seven eight? I forgot. Seven, seven months. Why is this not improving? Why is it still bad? Why is it the most recent statement is, Why? Because you have a kid coming.

Starting point is 00:29:27 Okay. And if you can just say no, and she's like, ok-nokies, then why the fuck are we in this situation? We just started taking over the bills. Yeah. We from? My mom. What bills? What do you mean bills?

Starting point is 00:29:41 The house. The house. What about the debt you're in? Was it your mom's debt that you took over? Yeah. It is. What? It's all.

Starting point is 00:29:48 All your mom's debt. You don't have any debt. Well, the thing is, um, when we started working. What the fuck are we saying? She says you have debt. So why are you trying to gaslight me? What the fuck are you talking about?

Starting point is 00:30:01 Trying to improve? I did not know that we had debt. You didn't know that you had debt. Yeah. This is our second. This is our second month doing our own bills. As bullshit spending was 1,750 regardless of debt. 1,750 without the door and just bullshit nothing not improving life at all.

Starting point is 00:30:21 At a minimum, by the way, minimum. You're what? We redid our house. That's not miscellaneous bullshit. Stopping in a gas station. Stopping a McDonald's. We used to smoke. I'm glad you don't because you're pregnant and you almost were.

Starting point is 00:30:38 If you want a high-fi for that, I ain't going to give it to you. That's kind of basic. You sure. Yes. Glad you don't smell like a nasty piece of shit. Well done. Proud of you. You need gas to drive, don't you?

Starting point is 00:30:49 Gas? Who said that's not miscellaneous bullshit. That's transportation, of which is very. expensive. In fact, it's 38% of your spending. I'm not complaining about that. I might, but I'm not. Because I assume you guys fill your own tanks, because you're independent contractors, right? No. So how's the transportation is so expensive? Probably going into truck stops and buying food and stuff. No, no, no, no, transportation. You usually it's not gas. Oh, would it be like a car bill? Well, we'll have to go into it, but I would like to hear,

Starting point is 00:31:18 I was thinking maybe you would have any kind of insight into your finances. I thought you were This is our second month ever paying our own bills. How, guys? I'm so confused. We're 31 and 32. What the fuck is wrong with you guys? Well, even one. Our mom.

Starting point is 00:31:34 Our mom. No, her mom. Okay, fuck you. Why were you never independent in your life even before her? I'm irresponsible. I don't even have a bank account with my mom. How are you surviving before her mother? My parents.

Starting point is 00:31:49 Your parents. So you guys are coddled children. And yet you thought it was time to bring a child. child than of your own? We grew up. Pathetic. No, you didn't. Growing up wouldn't be this.

Starting point is 00:31:59 Growing up wouldn't be putting more on a credit card than you spent. We still have a house over our head. We still have electric on. We still have water. For now. We grew up. For now. From our parents, well, not, I don't know about you, but from my parents doing

Starting point is 00:32:17 everything for me, you know, to us, well, me, now paying stuff on our house, I think I grew up. You're pathetic. I'm calling your parents in the Poe Show. Oh. Well, my mom died, so you can't. What? Yeah. My mom died last month. That's why we're taking over. Oh, yours is dead too?

Starting point is 00:32:42 Yeah. Guys, everyone's getting dead parents. Stop. I'm sorry. That's hard. Your father? You can call them if you want. Okay, got one. What? We found one alive.

Starting point is 00:32:56 I think, you know. Don't call mine. He doesn't speak English. I'll call his. No, we wouldn't do that. We wouldn't do that. We like Angie's parents. He's in Mexico.

Starting point is 00:33:07 Ah, yes, yes. So you could call them all you want. We'll just drone them instead. No, we make jokes. No. So that's why I'm saying it's only been two months. I'm sorry to hear that your mother passed away, by the way. since we've taken over.

Starting point is 00:33:23 Yeah, she was in charge of paying all of our bills for us. So that's why I stopped two months. Yeah. Okay. I didn't even know that was that much money. So all of it was that much money. We just gave her a flat. I'm being told we're going to call your sister because your sister's living off you guys milking off of you because she was milking off a mom.

Starting point is 00:33:41 Now mom's not there. Now she's milking off of you guys. Which doesn't even, I mean, I don't even know if that's your, yeah, sure, she might be like a bitch sister or something. But you guys are for your own lives regardless. Even without her, you guys are just destroying it. by spending more and more money. But you guys are afraid to confront her to get her out of the house?

Starting point is 00:33:56 Why are we afraid? How can you be afraid? She used to beat me up when I was little. Okay, well, you're certainly not little. I'll tell you that. Hey. Fight back. Hey.

Starting point is 00:34:07 What? That's me. Yes. You're on financial audit. Okay. But talking about somebody's weight is rude. Did you not watch the 15-minute onboarding video where I said,

Starting point is 00:34:19 I'm going to make fun of your weight, and if you don't like that, tell me. Oh, yeah, I did. Oh, that's weird. Okay. So, you're not tiny anymore. Hit back. No, it's not worth the headache.

Starting point is 00:34:32 She'll stop talking to me for a while. Good, right? Isn't that what we want to get her out of the house? No, just because she stops talking doesn't mean that she's going to get out of the house. Okay, who owns the, do you own the house? It is our health. No, do you own the house? Like, is it in our name?

Starting point is 00:34:49 Oh, yes, yes, yes! Who holds the f*** house? Good death! Third time! My grandma... Her grandma. Okay. Grandmother's perspective on this, then?

Starting point is 00:35:02 She's not alive. She's dead. Who'd the title get past to? My mom. Then who'd the title get past to? Me, but not yet because it just happened in March. Okay, okay. So once it is your house, take your legal authority and kick her the f-out.

Starting point is 00:35:18 Right? Why are you afraid to confront her? I'm so confused. Because she's violent? No. No, it's just, it's not, it's not worth the headache. Well, but, but, but, okay, then what's her, what's the problem with her being there? If that's not worth the headache, then the headache of her being there must not be that big.

Starting point is 00:35:35 She has a dog. Wolf, like, okay, welcome to American households. Her dog is mean. Okay, she has a bad dog. Yes. That's our big issue for wanting to kick her out? Well, she leaves her dog at our house, and then she just, leaves for days and then comes back.

Starting point is 00:35:56 And you've brought this topic up? Mm-hmm. Mm-hmm. We brought it up to her. She does her own thing. Walk the way. Okay, then, yeah. So you'll kick her out.

Starting point is 00:36:07 Then she won't talk to us. Okay, then kick her out. You're living with a child. She doesn't talk to us. Because you'll evict her. You own the house. We don't own the house. No, yes, she does.

Starting point is 00:36:18 Not yet. But she's about to. Don't own the house. She's about to. I'm saying when she gets it. About to. going to take more than a year. It's going to take a year to get the title?

Starting point is 00:36:28 Two years. Why? Is someone challenging? My uncle's the executor of the house. And? He's in prison. What the fuck is the wrong with your family? Never said our family was perfect. Okay, but you want to move into a new house anyway, so I don't even understand the purpose here. I do.

Starting point is 00:36:47 We are not going to do that. Why? Because our house, our house. you've been in that house, that family household for... How are we even going to get a new house? Your whole life. You sell that house that we're currently in. You sell it.

Starting point is 00:37:06 How, the uncle's in prison. Well, is he going to be in prison forever? No. You made it sound like it would take two years. I mean, yeah, it's going to take two years. So you can't sell the house for two years? She could rent it? Can she?

Starting point is 00:37:21 Can you? Can't get the sister out? She'll come with the house. You don't have a roommate. Okay, that's not a real answer. So that's not a real solution to your issue. You want to move. Yeah, I want to move.

Starting point is 00:37:36 Why are you against this? I guess I'm being told this is one of you guys' biggest disagreements. This is our biggest disagreement. What's the issue? What's the, what's advocating for? I want to move. Okay, we got married. We have a kid.

Starting point is 00:37:49 Why not move into a house that is, Hours, that we can call ours. That is our house. Not a childhood home. I moved out of my childhood home. Why wouldn't you want to move out of yours? The house is almost paid off. The house is almost paid off.

Starting point is 00:38:05 It's a four-bedroom, four-bathroom house, and we only pay $1,200. And we live in the suburbs. Okay, well, you'll still live in the suburbs, probably, because it's really all Dallas is. What if I don't want to live in Dallas? She wants to move to Pennsylvania. I want to move somewhere closer to my family. Do you want to? No.

Starting point is 00:38:32 Okay, then obviously we're going to have a problem. And also, who knows that the opportunities are as good as wherever you are going to be in Pennsylvania? Where in Pennsylvania? It's probably not, but it doesn't have to be in Pennsylvania. Then where? Okay, Philly has opportunities. Yeah, but it doesn't. No, she's not going to feel uncomfortable enough to live over there.

Starting point is 00:38:52 What? Why? I don't know anybody over there. No. That's moving. It happens. Yeah, but it's like

Starting point is 00:39:05 she'll never feel comfortable enough around like my side of the family. So how are we coming to any kind of agreement on this topic then? We want to move somewhere else. No, we're not going to move. The mortgage payment, I mean, that's a decent argument.

Starting point is 00:39:21 And I do get that. But I'm not good at the house. You can still sell the house and then you can walk away with that massive equity position. I wouldn't get the whole amount of the house. So it's not just you on the title. Who would? No, it does go to me, but my mom said that if the house...

Starting point is 00:39:39 Said? Yeah. Said? Yeah, said. Yeah, said might not be enough. You might get the full amount. I know, but I'm pretty honest person. Okay.

Starting point is 00:39:47 She said, if the house ever gets sold, I got to split it between my brother and my sister. Okay. But they don't get equal rights to the house before. We would get a bigger portion, and they know that. Then that's not equal splitting. Well, they know I'm paying on it and have been paying on it, so. How long? Two years.

Starting point is 00:40:07 Oh, your mother wasn't? Uh-uh. We would send her mom money. How much were you guys giving her? We gave her $2,000 a week. A week? Yeah. For what?

Starting point is 00:40:18 To pay all of our bills and. Wait, she was paying y'all's credit cards? Yeah. Whoa, you guys are actual children. Why do you guys think you are in the place to bring one into this world? Electricity. No, no, no, just like credit cards and basic shit. Not knowing that shit at 32 and you're bringing a kid into the picture?

Starting point is 00:40:36 Wait, you didn't even know, because you only started doing it for two months. Yes, our second month doing our financials. Second month, I got that part, but you are seven months pregnant. In what fucking world did you guys think you were ready to bring in a child into this world? What the f*** irresponsible, selfish behavior mindset is that? Oh, my business you wouldn't even know. You weren't paying them. Your mother was.

Starting point is 00:40:55 but they were still being paid. No, that's not the point. If you guys can't even survive on your own, how the fuck do you think it's time to be parents? We were paying the house. You weren't, your mom was. Are you not able to understand this? Are you that much of a f***er.

Starting point is 00:41:10 It's our money paying all the house. But you were not doing it. You couldn't, can you even tell me how much of the, so $2,000 a week and how much of those went to actual bills that were your own? Who knows? See, then you can't tell me. Liars.

Starting point is 00:41:23 Expenses are $5,000 a month, you guys found out. your own, I'm being told. But 2,000 hours a week being taken for mom, where'd that go? 8,000 hours a month. Where'd that go if it was only 5,000 hours in expenses? To bills. It's pretty cards. No, but it's only 5,000 in expenses a month is what you guys have found out.

Starting point is 00:41:37 We're the additional three. We went on a lot of vacations. But you went into savings. So your mom would pay for them? So your mom paid the savings. Yeah. What? So your mom was putting it into savings for you.

Starting point is 00:41:47 Why the f*** did your mom think this was a good way to live? It worked. No, it did. Did it work? It did. Okay. Am I on the street? $60.

Starting point is 00:41:56 No, it didn't work. Where did the extra $3,000 a month go for years? It went to vacation. Vacation. You did 3,000 hours a month vacations every single month. No, it went to other stuff. So every two months you guys were doing a great grand European vacation. Because that's what that could do every two months.

Starting point is 00:42:16 No. Then what the fuck are we talking about? Well, we did have a lot of arguments with her of why we're paying so much. Yeah. And she said. What did she say? I don't remember what she said. What? And you guys just allowed it and continued?

Starting point is 00:42:29 What the fuck are we doing? I think we lowered the amount we gave her. Two? I think that was only... $1,500 each. No, each... No, for the $1,500 a week. Yeah.

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Starting point is 00:43:03 Plus, that signature, wait, for this price, moment. Old Navy's drapey denim wide leg. Well, I'm gonna make up for... Oh, I know, no, I don't know. Yeah, it would still be a thousand more than your bills, though. I'm like, where would that go? Then you go to save you and see you have 400 bucks. She probably gave some money to my brother.

Starting point is 00:43:22 Oh, nice little redistribution from y'all's end. brother and sister money got taken from you given to your brother and also we were paying for her doctor's visits and stuff well that's fine but you should be able

Starting point is 00:43:35 to allocate how much money you want to be providing to that yourself we told her to retire and we would take care of her right but she's taking the money without you guys designating how much money do you want to give why would we designate where the heck the money go

Starting point is 00:43:52 because it's your money you can choose how much money you give but you had zero insight. You're giving $8,000 for $5,000. You had no idea where money was going. She was just blowing it. Well, I'm not good at that. And now you guys have zero life skills.

Starting point is 00:44:03 I'm not good at math. So, huh? I'm not good at math. So I wouldn't know how much is you like to do a lot. I can tell. I'm actually very nervous that you are on the road. Do I have to do math on the road? She's not a good driver either. Your brain is broken.

Starting point is 00:44:16 Exactly. One, you're a woman. Women can drive. Can I? Can you drive a semi? No. Exactly. But I'm a pussy.

Starting point is 00:44:26 Well, nobody told you to be that. No, just a guy going. Oh, I'm kidding. We love women drivers here. We love women drivers here. Better than immigrant drivers. Do you? Yes.

Starting point is 00:44:39 What's wrong with them? Who? Immigrant drivers. Do I what? I didn't say anything that would response to do you. You said that you love women drivers rather than immigrant drivers. Well, first that was a joke. That's why I looked at the camera, like Jim from the office.

Starting point is 00:44:54 but also two. I mean, yes, there have been actual documented issues. I didn't catch the joke. Yes, that's why I said. I'm concerned of your brain being on the road behind a multi-toned vehicle. This brain is working. When and where we have not found out.

Starting point is 00:45:11 Our truck goes 75. Even scarier. What's the financial score of this household? Zero to 10, zero being the worst, 10 being the best. I think we're at a solid four. Four. Oh, we agreed on it.

Starting point is 00:45:24 We agree on things. We agree on a lot of things. Good. Glad to hear it. Would you agree that ours is a four? I don't know your finances yet. I wanted to get the baseline, understand what happens in this household. Now I'm going to go into the portion of the show that you signed up to be on where I go through the documents, and then I'll tell your score in the end.

Starting point is 00:45:42 Great. Okay. If you want your financial score, it is free. You can get it right now. You don't have to wait an extra 45 minutes to get yours like they do. But you can get yours at Caleb.com. Take the assessment. It takes a few minutes.

Starting point is 00:45:53 see where you stand in the world of finances, where you're doing bad, where you're doing great. Again, it is free at Calebhammer.com. And if you do not want to be like them or they're just figuring a shit out now for the first time of their lives, download the dollar-wise budgeting app that's what you guys should be using. Get your free trial, see if it works for you. Most people take the annual version because it saves a lot of money. And when you do, you get the digital version of my cookbook and my 30-day detailed budget meal plan where you can meal plan every single

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Starting point is 00:46:33 Check it out. Is it signed? No. I thought you just said you'll sign it for me. I decided for the annual dollar wise. She missed that part. Looks good. Dollarwise.com, link in the description below.

Starting point is 00:46:48 Let's get into this. Who has the Quicksilver? Do we even know who has the Quicksilver yet? It's both of us. You're both on it? We're not on it at all. It's my dad's card, but we use it. Oh, okay.

Starting point is 00:47:01 Then what's the... I have it in my wallet. Your dad's card? Yeah. Mr. Mexico? Mm-hmm. He has. Summer is the perfect time to get your budget in shape.

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Starting point is 00:47:55 together. Go to Dollarwise.com or click that link in the description below. That's kind of fucking stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $200 in bonus cash right now. When you sign it for the checking account that I use, chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time. Who would have thought? That's incredible.

Starting point is 00:48:26 Check it out. Link in the description below. He has good credit. He has great credit. Does he? He does. On a card that is maxed out over $1,000? His card, I don't think he has great credit.

Starting point is 00:48:39 I don't think you know. He never even touched it. He doesn't matter. I know about it. You guys are, oh my gosh, you guys are pathetically. No, no, no, no, no. I'm sorry. I'm sorry.

Starting point is 00:48:48 I have to pause. You guys are actually morons, if that's how you think this works. Just because he doesn't know about it or he doesn't use it doesn't mean it being maxed out over $1,000 over the max. Doesn't impact his credit when this is his credit card. Are you guys that pathetically stupid? I have to ask. I have to ask. I know I'm being mean right now, but I have to ask.

Starting point is 00:49:09 In no way in this world do you guys think just because he. is not the one swiping that it is not packing his credit when it is his credit card. Please tell me you understand that. That's why we're paying it off. No, you're not. You tongue. You dumb. I'm so sorry. I'm so sorry. I'm being so mean.

Starting point is 00:49:26 No, you were not. You are not. We are paying it off. You put a thousand bucks to it. You spent three. You f-tit. Dude, you have a credit limit of $7,000 on it. You owe eight. Paying it off. Go, five. yourself paying it off.

Starting point is 00:49:44 You've never heard a child in there, your mother's, have you guys ever heard of what paying it off is? You spent triple, triple of what you even put towards that paying it off. What are you talking about? It's $1,000 over the limit paying it off. Ever, where's the payoff?

Starting point is 00:50:05 Show me the payoff. I don't see it. What are you talking about payoff? You're a truck and triggering me. You're a f***mast. How can you tell me your pay? Where's the payoff? It pays off.

Starting point is 00:50:17 You pay, you pay, look, okay, you pay as much as you need for the bills that month. That's why the payment never shows because it was $1,000 over. I thought the limit was $800,000. Just look at it! Just look at it one time! It doesn't, it doesn't show up. No, it literally does not show up. It does not show up.

Starting point is 00:50:52 You sent me this, meaning you have access to this. You f***. I did not send you that. Who did? Papa? Papa in Mexico? No, I sent it. Then you can look at it.

Starting point is 00:51:06 I didn't look at it. But you can. You can. I'm not getting a fried chicken or whatever the fuck you love. You can still look at it. I don't think I've ever looked at one of those. You're in my life. I don't expect you to do anything, but you.

Starting point is 00:51:23 At least. I just found out about that card two months ago. You're the one swiping on it. How did she was find out on it? No, it's me. I swipe on it. It's in my wallet. And I just tell her, hey, it's over the limit.

Starting point is 00:51:41 Can we pay this? Bro, you don't even have a checking account. You're 31 and you don't have a checking account. Why the f-do you have access to this credit card? I have access to all credit cards. They're in my wallet. What do I do here? This, I'm sorry.

Starting point is 00:52:02 This kid's, can we just be candid here? This kid's f-f-f-f-f-f-f-with your not understanding of credit limits or looking at accounts or you having access to cards. You don't even have a checking account. You don't have a plan to save your life, uncle, who controls everything's in jail. And you're spending $3,000, well, putting a thousand, a couple hundred towards it. And you didn't look at a once. We're learning. Yeah, it's a learning process.

Starting point is 00:52:28 You're learning. You're 32. You're 32. And at 32, you could learn about investing in mortgages, but you're 32. At 32, we don't learn about opening a checking account. We never had to learn before. That's what I'm doing. Don't bring in a kid yet. A little too late for that.

Starting point is 00:52:51 Is it? Go to Colorado. No, you can't do that. Okay. I wasn't advocating for it anyway. I'm just saying you guys are this poor kid. You're scaring him a little. He's kicking.

Starting point is 00:53:04 It's going to need to kick a lot harder to end it. I'm sorry. He's just, he's, he's learning. You learn. Like I said, you roll with the punches.

Starting point is 00:53:14 You don't have a checking account at 31. I'm here. Exactly. So your kids. No. I'll grow up. Why haven't you then? We didn't have to.

Starting point is 00:53:27 Yeah, didn't have to. There was no need. Why were we impregnating ourselves? Well, you're still getting taken care of. Because you're granted two months ago. Everything was taken care of. Everything was taken care of. Everything was taken care of.

Starting point is 00:53:45 That's why. Why else? We had a roof. We had all the bills covered. We gave the money that needed to pay for bills. and then some, it was taking care. Yeah, we have the financials for a kid. You have the financial.

Starting point is 00:54:05 You're over the limit on this. You have the financials. Yeah, but how much extra money do we make that you were just talking about? That's a great question. Well, here's the answer to that question. You brought in 6,367 last month. I don't know how, maybe hours were caught you spent.

Starting point is 00:54:22 Oh, and I didn't even work last month. Well, that's why. your income was half. And I didn't even... That's what I just said. You know, it was me. I brought that in. Yeah, you brought that in for yourself.

Starting point is 00:54:37 You guys are so stupid. That's... Cool. Yes, I just said you made half income. Why didn't even work last month? Yeah, no shit. You spent... That was on me.

Starting point is 00:54:51 You spent 11,000. I don't care who brought it in. Why doesn't matter? I'm just telling you 6,000-3-100-10. Because I don't even have a bank account, and I brought in the money. And I have all these ideas for a new job. And I still brought in that. Look at that.

Starting point is 00:55:13 I'm doing something right here. I am capable of having a kid. Oh. You spent 10. You spend 11. You spend 11. 11 will spend. So telling me your financials are good.

Starting point is 00:55:27 Is that what you said? your financials are good. How much money do we have left extra? What do you mean left extra? That was just last month. That was a bad month. Oh, it's always conveniently a bad month, the month that I have the statements for.

Starting point is 00:55:39 How does that work? Shut the fuck up. Bad months. There's a bad month every month. That's how months would work. I told you, we went into a situation two months ago. We got ourselves in a situation. Last month.

Starting point is 00:55:50 Last month. Last month. Last month. Last month. And even when you weren't, why'd you spend more than you made? Well, I was working, but I got forced on leave of absence. And I didn't even work last month.

Starting point is 00:56:03 Yes, she got forced. Forced by who? By the, uh, my trucking job. Why? Who'd you run over? They found out I was pregnant. And they forced me to go on leave of absence. What?

Starting point is 00:56:13 Yeah. Make that make sense? Exactly. Make that make sense. I'm pretty sure it's illegal to do. And technically I still work for that company and I'm still on leave of absence. Okay. So this is your dad's.

Starting point is 00:56:28 But okay, who's making the minimum payments on it? We are. We. Okay, you don't have a check to go. Okay. But none of you are author- I just brought in money last month. Proud of you at 31.

Starting point is 00:56:39 Well done. So who... Thank you. Are you guys on this? Authorized users. No. No. Perhaps nothing.

Starting point is 00:56:48 It's not on y'all's credit. Uh-uh. No. We just want to pay it off and close it. Which is why you spent $3,000 after putting a thousand, a couple hundred towards it? Yeah. So really? The month of March.

Starting point is 00:56:57 The month of March when I had no job and stuff. Yeah, that's when you cut spending. Dumbass. Dumbass. Dumbass. It'll get paid off eventually. Oh, a great strategy.

Starting point is 00:57:10 It's interesting how it always defaults to that. It'll happen, not it's happening. 24 years to pay off, you won't be alive, and the kid will be out of college. Yeah, but he'll have money. He'll have money. He will be A-O-K. You guys are the dumbest people.

Starting point is 00:57:29 Oh, who said? Me. Why? You, the way you process information and the things you say. It's very nice. It's cute. It's scary. It's not cute.

Starting point is 00:57:42 I'm not attracted to mentally disabled people. That might be a fetish of yours, not of mine. I'm not mentally disabled. I think it's a Pennsylvania thing. What? No. What, just because their senator can't read? I've never even looked at...

Starting point is 00:57:55 It's because he had a stroke. None of this stuff ever in my life. And I still don't. Great mother, you'll be. Well, she's the math person, so. Because she's Asian? That's racist. Mexican.

Starting point is 00:58:13 Mm. White Mexican. Your toner's running out. Okay. So you guys have access to a lot again. Mm-hmm. Okay, so we don't send daddy money to pay this. No, we just pay it from our...

Starting point is 00:58:29 You pay, you swipe, and you f*** his credit in the meantime. We help his credit. Overmaxed out by $1,000. You are not helping his credit. I promise you that. I didn't know that. I should have read that. Doesn't matter if you know it or not, you're doing it.

Starting point is 00:58:40 Ten minutes ago. We found it out. Just found that out. That's, you sent me this statement yourself. Don't look at the statements. That is equally. I should have looked at it. Also, why is it just not in dollar wise?

Starting point is 00:58:51 You would see it all. It's automated, man. Okay. Okay. Okay. Okay. Quick silver. Mm-hmm.

Starting point is 00:58:58 $7,934.89. Minimum monthly payment 266. Aggressive, especially if we're about to cut our income and half. Again, you won't be alive when this card's paid off. And the interest that accrues on this is insane. It's almost like $200 a month. Yeah.

Starting point is 00:59:20 I know. That's crazy. Yeah. I don't understand. Just pay some extra on it. No, she doesn't understand interest. Is that what you're confused then? Yeah. It's the, I'll tell you later.

Starting point is 00:59:34 Is that worth it? That's not even like, that's honestly not even the critical part of this. It's just the fact that you're spending. And look at this. None of it. None of it is making your life better. It's actually making your life worse. To be clear.

Starting point is 00:59:50 How? It's fast food. Oh, you got to eat. You got to eat. You don't got to eat yourself into the grave. Don't you want to be around for your kid? Don't you want to make it to your high school graduation? We're truck drivers.

Starting point is 01:00:02 What else are we supposed to eat? There's not a lot of room. We can't just go to the back of the truck and cook food. Yeah, but you can at least be even stopping more at healthier places. You're not. This is Wendy's and Burger King over and over again. That's all the truck stops. Have you been to truck stops?

Starting point is 01:00:17 I have been to truck stops. You want to say it's the healthiest. Okay, what are you getting there? It says it right there. No, it does not say what your Wendy's order is. is. Oh. What's your classic Wendy's order?

Starting point is 01:00:30 Biggie bag. What comes in the biggie bag? Junior bacon cheeseburger. Okay, well, there you go. You're not getting a salad. Ew. Don't you want? It's a salad.

Starting point is 01:00:39 You need, like, the greasy food to keep you up to keep you driving. Well, that's going to make sure she doesn't make it to high school graduation again. She already went through high school. Oh, she's a fucking moron. I know you're, but the thing is, people like her don't make it. to mid-50s. Calling me fat again. I'm not calling you fat.

Starting point is 01:01:02 You are fat. She's pregnant. She's not fat. I can't say that. Anyways, I got this way being a trucker. She's a trucker too. I've seen other truckers.

Starting point is 01:01:15 In fact, my uncle's a trucker. Not more. I play sports. Yeah, she plays sports. Maybe you should play sports then. That's not you being a trucker. It's you don't playing sports. The thing is, listen,

Starting point is 01:01:24 why is it, people ask, why is that a part of the financial conversation? One, there's three. There's three things. One, they're bringing a kid into the world. Can't change the fact that you're morbidly obese now, but that does increase complications. Two, I want you to be to his high school graduation. At this trajectory, you're not.

Starting point is 01:01:39 Three, it's expensive. The lifestyle you're maintaining. But she eats healthy. A biggie meal is not. That's my order. You didn't ask her order. She's not eating healthy. You don't maintain that.

Starting point is 01:01:50 You don't know that. Yes, you do. Everyone does. That's calories in, calories out. Shut up. That is basic math. I'm sorry. is. Might be eating healthy, but it's a substantial amount. So,

Starting point is 01:02:01 you want her to eat salads? Oh, it's a start. And the point is, number four, if you're going to do the immense amount of sacrifices that is required to pay off this debt, what is the point if you won't be around to even enjoy the benefits? So there's lots of reason we bring up weight on this show. In five, let's add a fifth one to it as well. If you are healthier more in shape, you have more energy to make more money to pay off debt quicker. That is a basic reality. But you need money to pay off debt. That has nothing to do with health.

Starting point is 01:02:34 Yes. Usually healthy people have more energy to work more to make more money to pay off that quicker. But we have a set route. You guys do well. You guys do well financially. But that is an additional argument that can be done. And you have days off. That's more jobs.

Starting point is 01:02:49 Okay. It's in-at purchases. It's Burger King. Microsoft payment. Wendy's, Wendy's. paying for a U-Haul, smoothie king, which is not healthy, by the way, sugar. Each of those is like 600 calories. It's brutal.

Starting point is 01:03:08 They are delicious. They got fruit in them. I get a strawberry banana smoothie. I don't see them putting in sugar. You don't see it. No, it is. You watch them make it. They put sugar in it, dude.

Starting point is 01:03:25 Just say. Timu, Timu. What are we teamooing? Baby stuff. Well, you basically teemu the baby himself. Yeah. I guess we may as well keep that up. Going and get some bullshit. This Uho Lone Star boat thing again.

Starting point is 01:03:42 What is this? You-Haw, we help. Your sister? Twice? Oh, we paid for her, Y'Hul. Timu-T-Mu. Uber membership. Thank goodness.

Starting point is 01:03:53 Timu-T-Mu. Okay, we're team-in-a-a-l-a-l-a-l-ha. You guys are crazy. We love T-T-mo. I know, you're Asian. You went and you got some bullshit again. What's his frulati? Frulati.

Starting point is 01:04:04 Who? Pralotti. No idea. Great. Wonderful. Incredible. How much is it? $28.71 cents.

Starting point is 01:04:13 Olive Garden. Real healthy. Brutti again. Frulati. I never heard of it. Good death. Well, someone's doing it multiple times. Yeah, driving things that makes sense.

Starting point is 01:04:25 Into it. What a thing. into it. Doesn't make sense. Because you're not independent contractors, so I don't get it. Play pass. Some in-at play-pass thing. Cube's smart, so we have a storage unit for $82. We have two. Why? Get rid

Starting point is 01:04:39 of it. Doesn't matter. Sell everything. It's my sister's apartment. Isn't her? Why are you paying for it? Because... Stop. She can't. Well, she needs to get a job and she'll figure it out.

Starting point is 01:04:52 She has a job. Then she can. No. Yes. She can't Yeah, she can Why can't she? Tell What, tell me

Starting point is 01:05:05 She'd rather go out So she can You don't understand what can't is She can And you are enabling her Just like your parents have enabled you guys And that's why you guys are

Starting point is 01:05:16 Today Bank of America credit card Okay Well this one Oh that's good That was a good What is not new one Now it's maxed out again

Starting point is 01:05:25 Okay, so who is this? It's both of ours. Are you guys actually on it? Yeah, it's mine. So it's yours. So it's not hers. Her credit is not on it. No.

Starting point is 01:05:38 Okay, so it is Jessica's. Very good. $288.25. 13 months to pay off, $25 a month. What's all this? What's this? That's all bullshit. You guys just swipe.

Starting point is 01:05:51 That's funny. That's funny. That's funny. for your lives. Yeah, a nice gum smile. Going in getting some bullshit. Going in getting some bullshit. Going in getting some bullshit.

Starting point is 01:06:02 PlayStation. Going in getting some bullshit. Lost jalapinos. There's the Mexican in you. $66 there. PlayStation, McDonald's, Little Caesars. Going in and getting some bullshit. What are you going in and getting some bullshit at 7-Eleven?

Starting point is 01:06:14 Gatorade, energy drinks. Water. We live down the street from it. Oh, very good. Buy a ball. Pizza. Here you go. Gamer subs.

Starting point is 01:06:23 Well done. That is your energy drink that you'll be making on the road You'll be making it at home It's 40 cents a serving with my 10% off discount code Caleb link in the description below Just go to GamerSups.gg Get free samples of different flavors Figure out what flavors are your favorite

Starting point is 01:06:38 Then order those. It's 40 cents serving. You're making your energy drinks at home And on the road just like you would make your coffee It is much more affordable that way Then stopping in and getting a $4 one like you did there Bullshit McDonald's Leah do right

Starting point is 01:06:53 Leah L.I. Do right. L.I. Do right? No idea. Great. It's a restaurant, it looks like. It's 19 bucks. Fuzzies, Conco, Carls, Duncan, Charles Philly Cheesakes. You're killing yourself. You're killing your money. This is embarrassing and you're smiling. You have a child coming in a couple months and this is a joke to you. You're pathetic. You're pathetic. No? You're pathetic. Yes. I got to eat.

Starting point is 01:07:19 Got to eat. Make a f*** sandwich. Have you learned your gender? Yeah. I still got to eat. I don't like eating at home. You don't have to. Make it home. Take it with you.

Starting point is 01:07:30 I am. You're not. I do take it home. Aren't you supposed to be a trad wife? Isn't that what you want to be? I have to learn how to cook. Do you not know what a trad wife is? I'm sorry.

Starting point is 01:07:41 Like, I'm not even advocating for trad wife. But if that's what you want, that's what it is. I just want to stay home, clean the house. But you wouldn't even do that. And go out and get some food. Oh, you're so. Oh, we got a robot cleaner. The vacuum?

Starting point is 01:07:56 The little vacuum? Oh my goodness. It cleans for us. It's not cleaning. That's just vacuuming. Okay. You got to clean toilets and shit too. And catch, oh my gosh. You guys are never going to make it. You guys are never going to make it.

Starting point is 01:08:11 How the fuck did you? That's why you predatorized her. She was in the truck. She couldn't go anywhere. She couldn't even figure out what the door handle is because she's fucking and then you f*** her. Oh, my goodness. I know what a door handle is.

Starting point is 01:08:25 Wells Fargo. That's mine. Oh, good. Isn't that yours and your sisters? Or just yours? Yeah, I put my sister's name on it when I was younger. Because she would deposit stuff into it. Deposit stuff into it.

Starting point is 01:08:43 It's a credit card. You can't deposit stuff into it. I'm talking about my checking account. And don't forget, I want you to be on the next episode of Financial Audit. So go to Calebhammer.com slash apply or click that link in the description below. You'll have a great time. I'm gonna roast the fuck out of you. Starbucks is bullshit and a waste of money,

Starting point is 01:09:01 and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make GamerSubs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is GameSubs.

Starting point is 01:09:25 Literally the chair. flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at GamerSups.g or click that link in the description below. Type in code Caleb. The credit card's just my. Okay, well, you only made the minimum on this. No surprise to anyone. Well, there was a couple bucks more than the minimum. Shut the fuck up. No, you got to pay more. They say make minimum payments. Who says? The app. Yes, that is an option. That is an option. You married an impassee. But you got to make the minimum payment.

Starting point is 01:10:01 She's not in charge of the financials. That's very true. She just carries all the cards. She's driving. I know how to drive. I know how to read signs on the road. No, you have no processing ability. Yeah.

Starting point is 01:10:15 Stop means stop. A green light means go. Got it. I know the gas and I know the break. Wow. There it is. That's everything you need to know, right? Yeah.

Starting point is 01:10:25 $795. It's maxed out. No one's surprised. Four years to pay off. Kid will be four by the time this is even pay off. You made $75 payment, which I, like I said, is more than the minimum. But then I realized it was worthless anyway because you purchased $95 on it. You f***ed it.

Starting point is 01:10:43 Let's see. What do we even get? Interest accruing. Bullshit, bullshit. Ficking bullshit. Oh, Pizza hot. Pizza hot. Thank goodness.

Starting point is 01:10:51 Going inside getting some bullshit a couple times. And pizza hot. Pizza hot. It's actually not. It's like the worst. What's your choice of pizza? Anything besides Pizza Hut. It's greasy and it tastes like nothing.

Starting point is 01:11:05 Are you a Domino's fan? Better than Pizza Hut. What? No. Bro. It's not 2012 dominoes. So what's your favorite pizza? Well, first of all, not going to be a chain.

Starting point is 01:11:20 I'm just going to say that. Because there's a lot of good pizza. And the chains aren't it. Yeah. But yes. We don't have that option. But yes, dominoes, Papa Johns, hungry howies, you name it, it's better. Pizza Hut's the worst.

Starting point is 01:11:35 I don't think so. Because, I mean, yes, Pizza Hut might taste a little better than Little Caesars, but Pizza Hut you're paying the same price as actual good pizza places. 7-11 pizza is the best pizza. Wow. Yeah. I understand it. Okay.

Starting point is 01:11:48 So you've had a late fee this year? Are you surprised? No. Oh. But I would like you to be. because that should be that should be a big wake-up call and it's not a good thing. How much was it?

Starting point is 01:12:04 Remember your whole make-a-minimum to payment thing? That's what avoids that. $25. That's nothing. Oh, my gosh. So that's the mindset that gets people fucking in the show and into bankruptcy and losing their children and their house and everything.

Starting point is 01:12:17 Smile about that. That's wonderful. Yeah, but we got other credit cards. So if we miss one minimum payment on this one, we still got other ones. It's not like it's going to break us and break us. Jessica, I'm sorry, you picked the wrong partner.

Starting point is 01:12:31 Just financially. No, that's one of the leading causes for divorce. That's one of the leading causes for divorce in this country. She just doesn't understand finances. We don't argue over money. You have nothing to argue about. You know nothing. You just go.

Starting point is 01:12:43 You are... A child. Oh. No. No. This, I'll be honest. I'm more worried for this child coming into this world than most any child. This is actually very scary.

Starting point is 01:13:00 You don't understand the impact of what is happening here. The child will not have to worry about money. That's not how this works. They will grow up in a house where he will be worrying about money. No, he won't. That's not how this works. You guys are so ignorant to this. We didn't.

Starting point is 01:13:13 We didn't worry about money when we grew up. Yeah, and it's situized up for so much success. It did. Is that the argument you want to use when we're talking about this with where you ended up? I mean, you're looking at papers. I don't look at papers, so. She just looks at how we live.

Starting point is 01:13:29 No, no, no. I look at what I got. She needs to go through an education plan, and that needs to be an ultimatum, and if not, you need to leave her. What? Oh. You guys are not going to make it in life.

Starting point is 01:13:41 And then I'm, and then I'm me, an actual contributor to this world that's going to have to subsidize you. What do you mean? I'm living right now. I'm going to make it alive, and so is my kid. How? What did they have to do with what I just said?

Starting point is 01:13:53 You're, because you think that we're not going to make it alive because you're reading these little into papers. I mean, I have to subsidize you. Why are things more expensive? Healthcare morbidly obese. Why is interest in everything so horrible? People go through banks, corruption, no consequences whatsoever. Boom, you guys.

Starting point is 01:14:12 Why is everything so bad? Takers. People that will never learn any responsibility because you'll take advantage of every system that has ever existed. I know, but we've barely found out about this stuff. I'm working on it. She doesn't care at all. She said a mispayment or of late payment's not bad.

Starting point is 01:14:26 Well, that was one. There's a lot of them. Oh. Oh, well, I don't even know that. Pathetic. You guys are why things are bad for those who work. But we work. Yeah, we work too.

Starting point is 01:14:42 For now. You already talked about cutting your income in half. Yeah, for when the baby comes. And your income's going to go down. Then you'll get more access to social programs that I pay for. And then you'll get more child care, subsets, too much money for a social program. You get your child care subsidy.

Starting point is 01:14:55 You're welcome. We wouldn't even know how to go about getting all that. I was just about to say. It's called the standard deduction, and it will be automatic for you because you will declare the... But don't you got to apply? No, you would show that you have a dependent. I don't do taxes. You don't do taxes?

Starting point is 01:15:13 She does my taxes. I've never once done my taxes. Taxes I could do. I think. The IRS will literally take everything from me if I miss $1 in taxes. You guys, they won't even give a $1. And then I have to give you all my money.

Starting point is 01:15:34 It's pathetic the way we've built society to just encourage people like you. It's disgusting. It's disgusting. Mortgage. This doesn't make sense. Okay. You're past three payments.

Starting point is 01:16:01 I told you what happened. You make so much money. No, my mom died. So we had... You didn't immediately call the bank of the house you live in. Yeah, we didn't. I didn't know if the payment was due or not.

Starting point is 01:16:18 The payments always do. No, but you don't know when. We just took over these. It's three months. We didn't know the market. You call the bank. I don't know what bank it's under. You look in the mailbox.

Starting point is 01:16:34 That's what we just found out. Go three months later. What is wrong with you guys? You can't deal with shit. Okay. Well, Shh. It.

Starting point is 01:16:48 Shut off. Let me write this down. Shut up before I have to hear your nonsense. You got right. Quit on. Shut up. I can't. When I have to deal with you.

Starting point is 01:16:56 you because you're impossible. So you can't do two things I want. No! Well, that sounds like a personal problem. But. Brains cannot adequately do two things at the top. Level. At the same time.

Starting point is 01:17:09 Top level? Shut up. Great interest rate. Don't give this up. If you do, it's pathetic. That's what I'm saying. And then you didn't pay. You didn't even call.

Starting point is 01:17:19 Did it know about? Shut up. The balance is $53,3.551.9. Do not give that up. Do not let this go to foreclosure. I will kill you in Minecraft. Please, this is such a glorious, glorious thing in a booming area where you have an equity position.

Starting point is 01:17:33 Do not this. Ah! So your own minimum monthly payment is $1,240. $31. Mm-hmm. Do not give up this amazing equity position in a boom area. Do not f*** this up. So we're not moving.

Starting point is 01:17:53 No, I mean, well, no, no. I don't want you to lose the house. You can sell the house and have an incredible, equity position. You can do that. I'm just saying don't lose it to foreclosure. Okay. Why are we passed due on T-Mobile? The answer is always going to be the same. We just took over it two months ago. We didn't know. We didn't know. We didn't know what was passed due.

Starting point is 01:18:12 We didn't know. What do you think would happen? We didn't even know the login. That part is okay, but you can call. Well, we tried to call to lower the bill, and they told us no. So you didn't call to pay the bill, but you called to lower it? Yeah? We paid the bill.

Starting point is 01:18:33 Fuck off. Well, you want to lower it. Off, guys. Okay, what is this? That's a card that we just got. You guys just got a car loan and you can't even figure out credit cards? We needed a new card. I traded it in my truck for it.

Starting point is 01:18:50 Why? Because her truck's a gas guzzler. My truck payment was $1,300. Okay. So it wasn't. a paid off truck. What's the interest here on this? I can't see.

Starting point is 01:19:02 It's not on the statement. You wouldn't know. There's no way you would know. You know nothing. Not even worth me asking. I think it's 12. Uh-huh. Uh-huh.

Starting point is 01:19:14 What do you think this car is worth that you owe $25,082 on? I think like 23. Okay. It's worth $16,000. Is that good? No, it's not good. Oh. Asian math failed to this time.

Starting point is 01:19:28 25,000. Yeah. But it's worth the cheaper payment than paying $12,000. And you know that's the poorest mindset than Americans have? You know, that's what Frikes Americans is they stretch payments further and further and further, thinking the minimum fee payment is all that matters. Listen, yes, this might be better than the truck, but your equity position is horrendous likely because you rolled over negative equity either way.

Starting point is 01:19:50 But the thing is that mindset right there is what's most Americans paying for. It's cheaper and cheaper. It's cheaper. It's cheaper. It's cheaper. do this, do that. Everything's cheaper, cheaper, cheaper, stretching it longer,

Starting point is 01:19:58 but then you're stacking more and more debt forever on top of each other, keep more risk over your head forever. You want to get out of debt as quick as possible. We're trying. Especially, but no, you're not sure as the fuck. Have you spent more than you made in total try? With every credit card that was there

Starting point is 01:20:12 that you spent money on, you spent more than you put towards it. You don't know what the word tries. You've never tried anything in your life. You've never done anything in your life. Like, actually, you've never done anything in your life, so you can't say that. You've literally never done anything.

Starting point is 01:20:24 You've been a child. And you still are. Minim monthly payment is 476. I'm not disagreeing with you on that one, but we are getting better at paying things. No. No. Like, no.

Starting point is 01:20:39 Reminder, we also are two months in on doing all this. Oh my gosh. I know. And that's fucking. Whatever. Hey, that's my car. Oh, what car do you have? What car do you possibly owe $46,227?

Starting point is 01:20:55 on your and you have this. I have a 23 Jeep Gladiator Mojave. Why? Why do you have a $46,000 car? Why do you need that? Why do you need that?

Starting point is 01:21:11 Because her scat pack got totaled. What did you just say? Also, your past So, your past due by four months. What is wrong with you? How do you fall

Starting point is 01:21:28 months. Yes. How much is it past due then? Four months. I know. What's the number? $1,362. Normal minimum is $362.

Starting point is 01:21:38 No. That payment is $1,300. Oh, so you're, okay. You didn't make the full payment. You couldn't make the full payment. So I see your current amount full due is $1,725, 20. The regular amount due is $1,300. You have $1,362.

Starting point is 01:21:56 You have $1,362 monthly payment. payment on your Jeep? Yep. Yep. No, that's not the number, is it? It's more than the house payment. Is that the number? The number on screen? They did not send me vans. Oh. Actually, let me double check.

Starting point is 01:22:14 It should be in the email. Actually, this is for the Jeep. The Jeep I did not have a bet. Oh, oh, dude, dude. You owe $1,300 a month on a car that you owe 46,000 hours on which your interest is probably like 30. 30% or something predatory. It's not 30%.

Starting point is 01:22:32 What is it? What is it? I think it's like 11 or 12. Yeah, it's still shit. Shut the fuck up. Shut up. 30 is double. Dude, oh my gosh.

Starting point is 01:22:39 Why are you still on the previous topic? I'm trying to move on. Are you incapable of having conversations? So should I start that again before getting interrupted? Okay, thank you. Let me try this again. So you owe $46,000 with the $1,362 monthly payment. What do you think that car is?

Starting point is 01:22:58 worth. I'm going to say 30-something. What would you say? I don't know. Try. What do you think? What do you think it's worth? A lot of money. Okay, $15,990. You got predatored. No, not for a Mojave. Might be a little more, but that's what we got. But it's certainly no more than half of what you owe. No more. You're, do you guys, everything? You're bringing a kid into this mess. this is disgusting. You are easily within the top three highest minimum fee payments ever, but you are easily the most ever.

Starting point is 01:23:37 So this is horrible. And you're stuck, and you can't get out of there. You can't borrow the difference. You're fucking. We're not even trying to sell it or nothing. I like the car. Oh, good. She likes $1,300 dollar monthly payment more than her mortgage.

Starting point is 01:23:55 That's a nice car. Good luck in there. No, he won't. No, he won't? No, he won't. That cars will be his, probably. Okay, I have a shit ton of collections. I'm not even gonna, it's just whatever.

Starting point is 01:24:12 Listen, I mean, it's all bad. It's about $1,000 in collections. Who? Both? No, I think that's you. The $1,000. The $1,000 added up. Because mine's way more.

Starting point is 01:24:24 Oh, yeah. Okay. Okay, who has, um, I think this is a firm? Yeah. You're affirming your team is. Let's own on a firm. What is this?

Starting point is 01:24:39 What is this? This is different brand. That's Kornna. What do you owe on a firm? I'm saying right there. What's your monthly payment? No, that's your upcoming payment. I think it's like 20.

Starting point is 01:24:50 Okay, total you... What? There's three different ones and they're like 20 each. Okay, total of firm owed is 263. $53.32. I'm going to guess. They're all almost paid off to. Almost, but they're not. 53 payment.

Starting point is 01:25:07 But it's all stacking. That's where your mindset's broken. It's stacking. So, Klarna, 100, 116. What are we clarnia in? TVs? No, it's eBay. Oh. TVs multiple? We have a 100-inch TV.

Starting point is 01:25:26 That's already paid off. Why do you have 100 inch? You guys are so f*** man. To play Fortnite. You get to see the people really big when they're really far.

Starting point is 01:25:38 So you can shoot them. So you can shoot them. What are you doing? We got anywhere from a hundred inch to a 75 inch. You know that actually goes against the gamer mindset, by the way. Why?

Starting point is 01:25:50 You actually want relatively smaller screens. I'm blind. I'm able to analyze better. I'm too blind to see. I need It doesn't matter I'm not considering you guys

Starting point is 01:26:01 professional gamers The Klarna You guys are so F-F-Man Klarna is 262-98 owed but your minimum

Starting point is 01:26:11 appears to be That is a lot of papers Yeah you're behind on that one by the way But either way That'll be paid off in two payments Shut up 131.95 I don't pay

Starting point is 01:26:28 Yeah it says on a Yeah, well, you probably can have enough in your checking account. Yes, it can when you don't have enough in your checking account. It doesn't get paid to our checking account. Yeah, there is so... Yeah. Oh, you guys are so f***ing. Look, I don't know. I don't know.

Starting point is 01:26:43 Like, I don't even know what this is even worth continuing. You guys won't be able to do anything. You guys are just starting from negative. Negative knowledge. Like, it's actually so broken. I don't even know what this is. This is an firm... Yeah, we have negative knowledge.

Starting point is 01:26:58 What is it? What is this? I think that goes with the other one. I don't know. You have an eBay? This is a firm. This is another a firm. Who's a firm?

Starting point is 01:27:05 Her firm? I don't have a firm. Another firm? No, that's the payment that came from the previous. Okay, whatever. Listen, I don't even know if these are debts or not. This is such a mess. You've got to figure it out.

Starting point is 01:27:19 Seat geek. That's a chief scan. Okay, this one's closed. It's a closed account of a thousand. So this is a collections that I think Jessica has. 1,326. Pathetic. Okay.

Starting point is 01:27:33 And now a checking account. And I don't even ask to ask who's because you're a literal child. They're 31. And it's disgustingly pathetic. You have 131. And you're checking an account. Yes, you probably bounced the one point and had a payment that failed. Mm.

Starting point is 01:27:46 What? What? What? Burger King? Taco Bell. Went outside. Got some bullshit. Went some bullshit.

Starting point is 01:27:54 Uber. Amazon. Amazon Sonic. Do you see how you just destroy your body? and your life and your finances? It's me. I have the card. You see how you just destroy your body, your life, and your finances? Shut up. Both of you.

Starting point is 01:28:05 No. You have a child coming in a couple months. Apple Bill, ATM withdraw. Who knows what that $100 when? Waterburger. Patreon. Ficked off. Ancestry? What?

Starting point is 01:28:14 You wanted to figure out if you're Asian or not? Going out to eat $45. Apple Bill. Stopped into the gas station. Got some bullshit. Use gamer subs. It is so much cheaper and it tastes better. Photo print online.

Starting point is 01:28:26 What are you doing? Zelenom Money. A.m. 240 and who knows where. When is I got some bullshit. Use GamerSups, Amazon. Apple Bell PlayStation. I think somewhere in your town.

Starting point is 01:28:39 Uber and Amazon, donuts, Subway, Patreon, Google, Hulu, Netflix, Subway, Premium. This is so ridiculous. Wait, who has Bank of America then? That's mine. You have two chicken accounts?

Starting point is 01:28:51 No, it's a savings. Oh. Our savings that only went down. That's good. Okay, so this kid is going to. going into a savings collapsing household. And then our Wells Fargo savings went from 1,600 to 25. Yeah.

Starting point is 01:29:07 Oh, my. Our vacation. Oh, that's more important than our kid. He's going to be taken care of. No. That's not how this works. The world is not just sunshine and rainbows. It's not, I don't want a boom or this, but like, it's just, that's not how this works.

Starting point is 01:29:21 He will be okay. Oh, wonderful. You hear that kid? We just took over. No issues. We just took over. That means nothing. You drained your.

Starting point is 01:29:28 savings to go on vacation. Yeah. That wasn't a vacation. No. What was it? No. We went to Mexico for my mom's last last day on earth. She was in Mexico. No, we took her from Texas to Mexico.

Starting point is 01:29:45 Okay. Well, listen, I can appreciate that more. Because that's what she wanted. Yeah, I can appreciate that much more. I can appreciate that. And you guys make enough money to be able to fund that. And so you would immediately in that circumstance of which I can appreciate immediately replenish savings with the next

Starting point is 01:30:02 paycheck is how that works by the way. So total income, well it's going to get cut in half, but we'll put $11,266 for now for the next three months, but your minimum monthly payments, including the mortgage, is $2,217.72. That's not you catching up on minimumity payments.

Starting point is 01:30:18 That's normal minimum monthly payments. What's your gas, electric, internet, all that combined, all your utilities, how much? Two, four, five, $5, $5, $5,50. Gas of room, room drive, drive. Both of you guys combined, not work. It's going to be 80 for the month.

Starting point is 01:30:40 For both of you? We work at the same place. Why did you say that? What the, but yes, but you told me your, well, your transportation was that much because you're driving. Oh my goodness. Phone bill. It was in there. It was like, one, two, that. No, it's 3.89. Pay off your phone, switch to helium for $15 a month.

Starting point is 01:31:00 We have a lot of, Yeah, you need to pay off your devices and then do that because it actually has the same coverage as T-Mobile. Yeah, but we're paying for things that we shut the... Don't doze and people. And get rid of them. Get rid of them, get them off. You are independent now. Car insurance, how much?

Starting point is 01:31:17 350. Okay, necessary food. I'll do a little more because you're on the road for a little bit of needing to go out and stuff, but 800. You will be meal prepping mostly. Coolers. You just have to. is this not an option.

Starting point is 01:31:32 TP fund. Again, a little elevated because you're on the road, but I'll do 300. That's way too much. You don't, it is everything else. It is toilet paper, it is toothbrushes, it is tampons, it is everything. It is everything.

Starting point is 01:31:48 Okay, fine, 200. That's still too much. I doubt it. I doubt it, guys. Shut up, subscription 75. Medical healthcare, their co-pays on a monthly basis? Yes. How much?

Starting point is 01:32:03 I know I still got to pay $1,500 for the... No, co-pays. Just ongoing co-pays. Yeah, I pay my insurance to the... How much is it? 165 every two weeks. Okay, $3.30. Yeah.

Starting point is 01:32:22 Is there a gym? No. Are there pets? Yes. Yes. You guys are truckers. Why? What do you have?

Starting point is 01:32:30 A Rott Riler. He's five and he's so adorable. He comes with us on the road. Oh, okay. Pet insurance, 50 bucks. How much for pet food? About 50 a month. Anything else that needs to be in this budget that I've not put in?

Starting point is 01:32:47 A little bit more for subscriptions. Go for yourself. We have a lot. And his food's... You're cutting a lot. His food's on the description. I know, that's what he said. I put that in as a separate line item.

Starting point is 01:32:58 You do not understand things. She has selective hearing. No, she's actually a moron, like actually. Not as an insult, like she's actually stupid. It's kind of alarming. No, I just don't know nothing about this stuff. Okay, needed to survive 309 or, sorry, 5,91, 72. I'll give you $500 in bullshit spending.

Starting point is 01:33:25 Congratulations. It's going out to eat, subscriptions, whatever you want. So let's call it $5,600. To spend. 600 to live. Let's call it that. Which when your income cuts in half is not going to be much left and you have to cut your bullshit spending. But until then you have an extra, let's call 6,000 just to be conservative left on a monthly basis. Of which of that, of the $141,935,000 of debt minus about 2,000, let's call it 400 of collections minus the mortgage.

Starting point is 01:34:03 of 53,351. Okay, so $86,184 a bad debt of the $6,000. If you maintain it, which I would appreciate, would take actually 14 months to pay off the debt. Then you could get a fully funded emergency fund. So actually, I would do that. I would continue these work hours as much as you guys can, even through the birth, as much as you guys can.

Starting point is 01:34:24 If obviously do things that you have to do, but of those months that you're able to do the kind of work that you're doing now, if you follow this budget, you can pay off your debt in 14 months which sets you guys up for a great, success. Call it in a year and a half to pay off your bad debt and get a fully funded emergency fund. And then at that point, which is six months of your living expenses, at that point,

Starting point is 01:34:42 your kid's going to have a great life and you're going to live within your means, which is 50% on needs, 30% on fun, which is a lot of money for you guys and 20% on savings so you guys can have a retirement so your kid doesn't have to take care of you. What a joke. This is so easy to pay off. You guys make so much money. It's just literal children. It's actually kind of pathetic. Especially with a kid on the way. This is pathetic. The fact that you guys haven't learned anything until 31, 32 is very pathetic. Very pathetic. We're going to call the sister in the post show. We're going to confront her. Um, and then, yeah, I guess you're getting sued and stuff. Okay, we got to talk about a lot of stuff in the post show. Let's get the

Starting point is 01:35:15 Hammer Financial Score first. Hammer Financial Score spending in a budget. Oh, you ever spent 0.10? Debt. There's collection 0.10. Emergency fund. You drained it to zero. Zero out of 10. You drained it to practically retirement. Didn't see anything 0.10. Real estate, not on the total yet. Can I give a score to that? I can once you're on title. Today it has to be a zero, but it will, and you're behind on the, either way. It will go up to a five or six depending where you are on the payment status pretty quick. It could be a seven or eight if you're actually caught up really well and it has a good, I can do position, maybe even a nine, but today is zero. Hammer financial score is zero out of ten to get yours at Calebhammer.com. Click that join button, join Hammer Elite to get

Starting point is 01:35:49 three premium shows every single day, six days a week, including an extra 20 minutes of this episode called The Financial Auto Show where we're going to call her sister. I'll see you there. We're talking about you, how you live with us and stuff. I am trying to find a place, but I have not saved anything yet. You as a family are planning a huge trip to Disneyland. I wanted to have some fun. We were thinking, paying us $1,000 a week. Yeah, think about it.

Starting point is 01:36:16 I think she's the most $1,000 person I've ever met. Don't forget the summer budget reset is now live. Get a full year of dollar-wise premium plus my four best-selling educational courses and a digital copy of my budget-friendly cookbook. My exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before, and it's only for a limited time. It is 67% off everything. So don't wait until that first pool party to get financially ripped.

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Financial Audit - The Worst Finances In Financial Audit History

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