Financial Audit - Vile Piece Of Sh*t Can't Wait For Her Mom To Die | Financial Audit

Episode Date: June 6, 2025

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you're putting your mom in a near $1,000 loan she will be okay this is your mom's risk if you die I think she'll die first What that fucking are you talking about? Shut up! She gifted me $1,000 a year before she's not just going to keep gifting me money.

You use people around you. No one's ever said no to me. Your mom's not here, you're f***ed. Well, when she dies, don't I get money from her? Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of premium and get my cookbook and notebooks signed and mailed directly to you. Link in the description and pin comment below. Hi, I'm Lila from Long Island, New York.

financial audit. And how old are you? 30. Okay. That's that one. Yeah, that's okay. What do you do in Long Island for a living? I'm an ultrasound tech.

Cool. What are we making? Well, you just told me before we were filming that you're married, right? Yes. So do we have a dual household income here? Yes. Okay. What's the household income?

So if I look at pay stubs alone, yearly, we make about $120. You don't know your salaries? Well, I work. extra or he'll work extra, but in general hourly. Sure. 54. Is it 120 before taxes or after taxes a year? Well, on paper, it's 120, but...

Is that after taxes or before taxes a year? Okay. But in general, the last few years, I've never made 120. I always make like 140. Okay, so 140 then. That's going to change this year, though. Oh, why? I ended up getting like a pay decrease because we used to do same job, same place.

Nothing's changed. I just, we used to do call. And now that's off the table. So instead of getting that extra $1,000 a month, I'm getting not a thousand dollars a month. So each month. So what's it going to be? What's the household income going to be? When does that change?

It changed. It already did. Okay. So what is the household income going to be? It ranges between. between 5,800 to 7,000 a month. After taxes or before taxes? After.

So what can we say as an average then? Based on what you've experienced, what can we say as an average? I will work to make what I need to work. Dude. Girl, what the fuck can we say is an average that hits the accounts? We can say 6,300. Okay. 6,300.

Now, Long Island. Yeah. Not cheap. No. how we're doing how's the household doing you and the husband how's the husband he's great if he wasn't there it wouldn't matter see too much of what's going on no he's working okay he knows he's not the problem how you guys don't oh so self-confessed okay how are we doing along item we should be doing okay i make pretty good money and our mortgage isn't bad and we have a tenant who helps

Really? So we should be doing okay, but somehow we never had any cash. Well, you have $70,000 of high interest, bad, horrible, evil death that'll destroy your life. Yeah. Before the mortgage. Right. So if we have someone that helps subsidize our lifestyle but being a roommate and that's fine, it's not a bad thing. You know, subsidy doesn't mean a bad word.

But how are we struggling then? How are you struggling then? You bring him down? I don't think I bring him down, but... Okay. but he'd be fine. He'd be doing whatever he is doing without me on his own. Like,

he's fine living. He was fine living in a $400 apartment. You know, like, but what's the struggle then? What are we, what's so wrong? Why are we in so much bad debt?

Like, how are things so f***ed? If according to you, what we're making good job. Yeah, exactly. So you would be bringing him down. No,

he's fine. Make that connection to me. No, he's doing great. Everything. He would just be living a cheap life. If it wasn't for me, and, you know, it's not my, it's not my fault.

I'm not holding them down. Also, I'm the problem. So tell me, please connect that somehow. Well, he just gets to enjoy what I spend money on. But that also means he's going to enjoy the consequences of you guys not being able to make a payment, if necessary. So, you know there's another side of it, right? Whenever we have to talk about finances, I try not to really give the full picture to my husband, because I don't believe there's any reason for both of us to be worried.

Hold the fuck on. That's, I'm trying to process this. Like, he should be able to process the information after you give it to him, but you just don't give it to him. What the fuck? Why? What, just the fear of worry? Well, what's the point of us both worrying?

So he can be informed. What if the guy, like, he just doesn't know what's going on in his own household. Do you guys have kids? Not yet. Not yet. So kids are going to come? Yeah, that's why I'm here. We'd like to get...

No. We are trying to get ready to have kids. Okay, so they be fucking great. Get it. Okay. That's fine. Well done. But he doesn't get to know what the state of the household is and he wants to bring a kid in the world.

And he thinks... See, here's the thing. One, it's kind of not fair. I mean, did he ever request not to know anything? You decided that for him. Two, a kid's coming in. Maybe he thinks a kid can come into what he thinks the house is. But he doesn't know what the house is because the wife is keeping things from him.

Self-confessed and almost proud of it. We're going to get it settled. Like he has the things he knows and he's taking care of them. Okay, what does that look like then? So. Why do you get to be the fucking determining if he gets to know? Well, it's not about what I want. Like, obviously, I don't want to be stressed about money.

It's more so I don't want us both to be stressed about money. That is your choice, though. He's not getting to say. Why do you get to be the choice maker? I have asked him in the past, do you want to talk about the finances? And? And in the moment when I have asked him, he said he wasn't mentally prepared to talk about them. And then I just wouldn't bring it up again.

Yeah, but how long ago is that? that. Because you guys are trying to have a kid now. Yes. And we did talk about them a little before I came on the show. Not everything, but most. But how are you determining what he gets to know,

what he doesn't get to know? I'm so confused that just like, you're the arbiter. Like, you get to fucking, you're the king. No. I make a little more money, so I pay a little more.

You guys are a house. Hold you guys together. How long have we been married? It'll be four years. Exactly. Four years. Do you not consider yourself a partnership? Of course I do.

Then why does he get to know what is happening in the partnership? He can know if he's like. He can know if you choose not to. He wouldn't know what to ask even necessarily. Well, because when... You drip feed him information. Because recently with the $1,000 I'm not getting anymore, it's... We have been struggling and I'll joke around like, oh, we're poor, we're poor.

And then he gets so like, we're poor. I can't do you. Okay, hold on. I have to explain this to you. You know, it is more stressful to have a hint about a situation and not know the full picture than knowing the full picture. If you know how bad the full picture is, but you at least understand it, that helps you. That means you can plan. If you don't know what it's going on, if you get the, if you get the can we talk text,

that is more anxiety inducing than having the conversation that that leads to. Right. So drip freedom. Oh, hey, we're struggling. That isn't that cute. Are I so cute? I'm such a good wife right now. No.

That doesn't happen. That's just what works for us. No, what? He doesn't know the other side. But I know him better than you know him. Is it working? Is it working? It is for our mental health.

Oh, mental health. Okay. In the mental health, when we lose our home because we can't make a mortgage payment. No, that won't happen. How do you know? You don't know. That'll be the first thing I pay.

First thing you pay if you can. I will always be able to pay. No, no. No, what if you lose your job? You already got a pay cut. You don't know. what's going to happen. He could lose a job. You could lose a job. We could enter a deep recession. You've never lived through a recession. You don't know what is happening

like a real deep recession. I'm in the healthcare field. We don't get affected by recessions. You've already got a pay decrease. Well, that's because they hire more people. And that's not saying you like borderline don't get affected. You're one of the least likely to. Doesn't mean that in a deep, deep, deep recession, you wouldn't experience something. Maybe a long, you don't know how anything can happen. It's the unknowns of the world. And you're not prepared for that you do. I don't think you know how the health care field works. Oh, please tell me, because I definitely don't come from a family of health care workers, please.

Oh, you do? That's nice. Well, I'm just saying we don't usually get affected by the recession because they need it. As much. As much, there are still funding issues here and there. You never know what can happen. You never know what can happen. You never know what can happen in the world of legislation. Like when the Affordable Health Care Act was passed, you don't know what could happen in the world of repeals.

or, you know, someone comes in and does single payer. Like, who knows? There are always things changing. You usually see that one coming a bit more. But I'm not saying you wouldn't lose a job, but who started the conversation with the kind of pay decrease in their perfect job that is never affected by anything? Yeah.

Yeah. And also, it's not really a pay decrease. It's just income decrease. And we knew it was happening months in advance. It wasn't out of the blue. It was still money. Yeah. Money that you're required to live on.

Now you're drip feeding him that you guys are struggling because you lost it. What is this confidence? You've never lived through a bad economic time. Right. Well, I've lived through them, but obviously I was a child. Yeah. Yeah. You're like 10.

10, 15. Something like that. It's okay. Yeah. You don't understand the full historical context behind things like that. Like, you are you... I will never be able to get into the mind. of yours.

Like you have no fear. There's nothing to be scared of about a recession. You just think it's going to be like this forever. Hmm. You've never experienced... I'm not worried about a recession because that's not going to be my problem. That's one of many things. You don't know what happened.

You don't know what happened. New York City until recently where population isn't starting to decline, you know, has had population decrease. Let's say that affects Long Island. Let's say, you know, people are leaving, Social cities are moving to places like Tennessee and Texas. That is something that is happening. Okay. Let's say that happens and it affects Long Island more.

There's less patience. They downsize our hospital. You don't know what can happen. There are so many things in this world can happen. And that's not doom and gloom. That is just you not putting yourself in a financially vulnerable position, which you are in, having a $70,000 debt, not allowing the other part of the household to know what is even going on because you are the one who gets to choose what he knows and what he doesn't know.

Like, okay, that's fair. And also, maybe he's not recession-proof. I know we're keeping his stuff a little more private. That's fine. But maybe he's not recession-proof. I don't know. And then all of a sudden, okay, boom, you just struggle losing 1,000 hours a month.

What if you lose, let's say he makes 40% of the household income? Let's say he lose 40% of the household income. Then what? Yeah. Come on, it's not just you. I know you're acting like it's just you because when it comes to the information you share, you act like it's the information that's just you. Well, it's not like,

We only want to rely on the job. I do want to make an emergency fund. Great. You have $70,000 a bad debt and you haven't changed a thing. As far as I can tell, probably. I mean, you're on the show. I see spending on this first credit card. I know.

I've tried to stop spending, but then I have no cash. So I have to use the credit cards. In your mind, what the fuck does that even mean? I would love to hear you flesh that out, just to be extra sure. I think I'm paying too much to the cards And then I run out of cash Put too much on the cards Put the money on the cards

Who the fuck do you think you are? Oh, I got too much of my mortgage I'm giving too much to the bank You decided to get the mortgage I'm putting too much to the fucking car dealership You decided to get that car You spent on these credit cards You're putting too much to them

Sure, I agree You are via your choices Not they're forcing you to you did this to yourself. I'm only doing the minimum on my main cards, but then there are the cards that I did the zero APR promotions and those

I put more money on to make sure specifically like they go down before it's not 0% APR. So I know I'm spending too much to pay those off. And then I end up with no cash and then I can't

pay for groceries. If you're ending up with no cash in this situation, then your priorities are, you don't know where money's going, you're not budgeting, and you won't even talk to him, so let me go.

What, how much, what percentage is he even aware of? Uh, I know you guys just had a conversation right before coming on because boom, it's going to be on the internet. Yeah, probably, like,

90%. Yeah, well, was it before that. And why not that extra 10%? What fucking character unlocked does you have to get? Um, I don't know, maybe I just forgot, but... Great.

Husband out there. It's also embarrassment. She just forgot about you. She just forgot you existed. No, about the debt. Yeah, debt that impacts him. Well, it wouldn't. If he didn't want it to.

What? What are you talking about? Like, it doesn't have to impact him. If there are assets that you guys holding you guys are married upon death that he would be required to... Not in New York. For any of the debts? Any of the deaths, even including the mortgage. If he's not on it, it doesn't affect him.

Well, yeah, no, I'm talking about keeping the assets. Well, yeah, he'd lose the house. Did you not hear where I said keeping the assets part? Well, he, no, he could keep the house if he could pay it. But he couldn't keep the house if he can't pay it. So he wouldn't lose anything. Probably not alone, because it does take both our incomes to pay it. but he could sell it.

He doesn't lose it. Okay, but on the statistical likelihood that you do, you guys do make it. Yes. You know, survival. So I would say that impacts him when it sounds like the breadwinner is not able to funnel the majority of her money towards the things that we want to do like having a kid. It has to funnel towards all the deaths that she chose to take out but not allow him to have. That still impacts on whether or not you're alive or dead.

The things you're dealing with now and where the money from the household has to go to impacts them. Would you not agree? Well, that's why I'm here to figure out. That's not an answer. That is not an answer. No, I can help you figure it out. Yes, that is such a deflection. That is such a stupid answer that everyone gives

when they get pushed into a corner. No, that's why you're here. I get that. I am asking why you didn't. And I'm trying to, you just said it doesn't impact them and I'm trying to tell you it does. Don't say, well, that's why I'm here to fix it. No, I'm trying to figure out

why the fuck that was in the first place. That way I can give you a path out. Why, I think it doesn't affect him. Yes? Well, if he wanted to get divorced for some reason, it wouldn't affect him. And if he wanted to open a credit card in his own name, it wouldn't affect him because he has his own credit. He's his own person. Yes, you're going on low likelihood of the divorce because we're trying to...

How does it affect him? What does he want? Lady, you seem to see it as yours and his. Everything. We're not talking about the divorce. We're not talking about a death. We're not talking about those things, the lower likelihood things, because you're trying to have a kid, so I doubt you guys are in the world of divorce, right?

Okay. I'm talking about the things that you guys want to do as a household for your kid, for a potential future mortgage, you know, minimum payments across the board, grocery payments, sending kid to summer campaign for college, doing these things we want to do, retiring as a household. What your finances are deeply impact that, because money has to go to the minimum payment of the debts that you have taken out without his knowledge. How would that not impact it?

him. So you meant in the long run. Even now, the money from the household that is coming in still has to go to the minimum of the payments that he is not aware of. How do you not see this? How is this confusing? Please, allow me inside that brain because I'm confused. He doesn't want to spend any money. That doesn't answer my

question in the slightest. That's me saying how like you're saying it affects him now because there's no money. He doesn't want to spend any money. Do you guys not have future goals? Does he want to an emergency fund for when the baby comes? He should.

I hope he does. How about the fuck off? Do you guys even see each other? Have you had a conversation in a year? That's the plan for this summer. He's working extra, and I told him, don't let me see any of the money. No, not to talk.

So why does he think he needs to go get money? Why does he think that? Because we want to have a kid. There we go. Okay, so there's a goal to have money for a kid. Yes. Okay, so that's a goal we both realize. Then you having to send more of the household income out because of that he doesn't know impacts that.

Impacts his goals. Do not understand that. Do you not understand that? Well, now that you've spelled it out, yeah, it makes sense. Okay, we did our fucking ABCs. I'm glad. I didn't know we were back in elementary school fucking cognitive exercises. How did you not realize that?

Oh, my fuck. I'm just like, where are we starting? I'm not trying to be mean. just where the fucker was starting because i'm only spending the money for myself no but it's debt that oh you it's not about spending the money oh for fuck oh you cannot be doing this to me this early in this conversation i i don't want to crash out today i don't want to crash out these conversations are too much oh it's also fucking hot in this room yeah i'm telling everyone to turn down the ac listen lady it is not about the spending it's not about the spend i'm sweating am i having a stroke

it is not about the spending. It is not about the fucking spending. It ain't about the pasta. But it is the fact that there is that he is not aware of. It is that. Because those are minimum monthly payments that are required. Do you not understand that? It is that about you and go and get it a fucking donut.

There are minimum monthly payments that he is not aware of. He is not aware of 10% of it. Of them. He just doesn't know what they are from. No, no, no, no, no. You just said he wasn't aware of 10%. And before the conversation, before the conversation you guys even had because you knew you were going to be exposed on a public platform.

So all this was going to be done. Then it was probably like 25% of it wasn't aware of. So what the fuck you're talking about? You just said he's not a lot of aware and know the situation. Yes, the latter what you just said is correct. Now he knows what 100% of minimum payments are, but he doesn't know where they came from. Or the balance. Ambition comes in all shapes and sizes.

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Go to y-refyfy.com slash hammer. That's yrefi.com slash hammer. Or call AAA Y-ReFi-78. That is AAA Y-Refi-78 and see how they can help you move forward with confidence. Listen, how did we get here in the first place then? Just how did we get here in the fucking first place?

We're about to go to those documents. Give me some context here. I obviously wasn't aware of any event until just like a day ago. Right. So, please tell me. Well, when we got together, combined, we had 30,000 saved.

Then we moved into Hold on. Combined? Yeah. How much did he bring? How much did you bring? He brought 10. I brought 20.

Okay. Go on. Yeah. Well, I was very fortunate. That wasn't from my own. That wasn't from my own power of saving. I just had a lot of help. So, um.

Right. Optimism. We moved in together. It was my first time living alone. I wanted to buy all new things. I wanted him to get a good. a new car because he had no AC and his windows didn't work. So I kind of forced me to buy a car.

Is it probably a car halfway decent there? Isn't no. Well, in the city, but we're not in the city. How far away are you? Like a two hour drive. Okay. Keep going. So, yeah, you need your own car.

So his car was owned outright, but I made him get a new one. Too much detail. Okay. I don't need to know about a single car purchase before. How the fuck did we have? Well, haven't that 30,000. $1,000. He took half and put it into stocks. Into stocks? What does that even mean to you?

I don't want to know about it. I don't want to know. It's still in there. I don't know what it's at. You don't want to know where his investments are at? He doesn't want to know where your debt is at. Do you think that's how this works? Is this a 1 plus 1? Because one day it was 50,000 and the next day it was 10. So I don't want to know. Do he hold or sell? He sold a little bit to get his van for work. but but no that was only like

4,000 so he lost it like it went up to 50 and then dropped back down so I don't want to know he's meme stock trading no

it was just like maybe I don't ask well the SMP 500 didn't do that kind of he only did it that one year and now it's just in a stock and he's left alone

a stock a stock you don't know what the stock is he told me but I don't remember something with an E something Ask him. Text him. Okay.

I'm so curious. To me, that's just like his money. I just let him do his thing with it. Why are you so independent? You're trying to have a child together. Well, we're not independent. What? My debt, his stocks.

Because he's good with money. So I don't want to be a... Clearly not if he's with you. If he... Also, it sounds like he invested in a mean stock, so I don't know. If he went from $50,000 to $500 or whatever the $1. It wasn't like Gamestocker. It wasn't like that.

Game stock? It wasn't like that. I never heard of that one specifically. GameStop. It was... Okay, I got it. It's okay. So, in the world of you guys going about all this.

Yeah. Do you budget? Do you have a budget? I try. When you guys talk about money, what does he know specifically now? On a monthly basis, what does he? now. On a monthly basis, he knows we have to make at least

$6,200 to pay off the minimums of things. What the fuck? You just told me 63 is your average going forward? I'm saying we have to at least make 62. No, no, no. You told me 6300 is your monthly net income

on average going forward. No, I said... No, you told me 60. I said we made... Rewind it! Rewind it! We... We can say 6,300. Okay. I said we make between 5,800 and 7,000.

And I told you to give me an average and what did you say? What do you think an average is? It's about. So some months maybe you make 58 and some months you make 7,000. And then the average is 63. What do you do when you make under that? 6,200 in a month? 50.

It's my base. I have two jobs. Oh, that's not my question. My question is when you make 50 whatever. How do you pay the $6,000? How? You don't have the money to pay for it. How?

We've been taking from savings. What savings is there? There's zero now. So what do we do next time, which was going to be my damn fucking question? I don't know. I don't know. That could be next month.

Yeah, it could be. I'm going to try not to let it be, but it could be anytime. If we were trying, we wouldn't be in this position to begin with. Yeah. Does he, okay, he knows 62 has to come out. Yes. Does he know what comes in? Yeah.

So he knows when you get 55 or something. 58? Yes. Yeah, he would know. And his thoughts? He just offers to work more. That doesn't help if we're already under for the month. Yeah, it doesn't help for the month we're in.

Doesn't that matter for making payments? Doesn't that fucking matter? What did you suggest that matters? To me, I think that matters. Well, you don't always have a choice. You have a choice of the debt you got in and the spending that you do, lady? Yeah. Girl, you spent almost $900 going out to eat last month.

I think that's a pretty fucking choice. Well, he was on tour. I don't give a fuck what he's doing. Miscellaneous bull-five hundred dollars. I don't give a fuck what he's doing. Pack sandwiches. He did. Good.

So then that's no longer an excuse that he was on tour. Well, he can't only eat sandwiches. Yes, he can have whatever from the grocery store. He can do a lot of things. Yeah, he makes his sandwiches. He ate tuna. He wrote very proud of him. He stole our can opener.

That is no longer an excuse for the $900 almost spent. I'm sure it was me too. Because I work at. night and it's easier to just buy from the cafeteria. But at least I'm paying $7 at a cafeteria for a full meal than going to... It could be cheaper per meal at the grocery store. It could, but... And it is, and you don't, because why would we have any sense of maturity at all?

I'm sorry, I'm fucking lit up in this conversation, but it's blown my mind so far, I'm being completely honest. Okay, so last month, it was... It was on that $7,000 range. Okay. But it was also one of the last months until that pay. Yeah. Okay.

How much went out? How much was spent? It includes on debt. Well, I made, you said, between seven and eight. I don't care about your income. Yeah, how much went out? I care because I know I don't spend a lot more than my income. Probably like 10.

A lot more, she says. She knows she spends more. That's good. And we allow that. We accept it? No, I'm trying to work on it. For sure. What?

Why don't you just do? It's money that you don't have. Just fucking don't. Trying is $900 a month going out to eat? Okay, sure. That's a great try. Keep going. How much went out?

Sorry, I'm being rude. It's just... I think maybe 10. Okay. It was like 14,500. So I don't know what the fuck you're talking about. Man, that's double. Yeah, that's fine.

It's more than double your normal average. And you think your minimum is Payments is what you can't afford? No, it's your fucking spending. Your past spending that you can't afford. The last month is what you can no longer afford. Okay. That makes sense. But like I said, I am working on it.

It's not as easy as just quitting something. But you haven't done anything. You don't budget. You don't communicate. No, no. Because I've always been the baby. You don't put. Everyone always takes care of me.

Oh, what a disgusting attitude. No one's ever said no to me. me. So I'm just not used to it. What a disgusting attitude? I'm just not used to it. Not used to being an adult. You're fucking 30. Grow up.

You want to be a mother. Grow up. Yeah, but I'm the baby of my family. You're going to have a baby. You're fucking. Not yet. When we're ready. Uh-huh.

You told me before the conversation that you guys are trying, so. We're done that try. Hmm. The baby of the family. you're 30. What a disgusting sentiment to have in your brain. You'll never get ahead in life ever. There's no conversation to be had.

How can you say that? That's not true. Did you hear what you just said? I'm just saying why I'm like this. If you're able to acknowledge it, it's even worse because it's no longer ignorance. It's just choice. No, I'm working on it. I have to learn to say no to myself.

In the last month, you spent double one. let you make. How is that working on it? Do you mean you spend normally three times? What the fuck are you talking about? Probably. But you don't even know. What is trying entailing to you?

Trying to me, trying and tailing to me is like downloading a budgeting app. Okay? Right of fucking spreadsheet. You know, not take into credit cards when we leave the household. Communicating with our significant other, who would have thought about that one? That would be trying to me. You have done none of that. That is not trying.

What is your trying? I don't see trying. Me trying is using the debit card for small purchases and if I want something big, saving it. Saving what? All your money is going to debt? What are you talking about? Like thinking about it, waiting. Thinking about it.

Waiting to buy it. Make sure I really want it. It's not a bad mindset, but that obviously is now what has correlated into the reality of a situation. Well, it's a day-by-day process. Hey, Pookie Our Memorial Day sale is happening right now And it's your shot to grab some of the tools You need to own your financial future

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Take control of your financial future today. See you in the classes. But the last day, we have to look at the... Yeah. So, I don't know what you're... Again, I don't know what you're talking about. about it is a trend on the show of people coming out and say, I'm trying. They always want to just look good on the camera or they change something two days before

they came on because they know they're going to be on camera. It doesn't matter. I literally have your most recent statements and they're beyond f***. So that is a lie. Or you're just trying to say something to look good in front of the audience. No, I don't need to look good. Then what is happening? Because that is bullshit.

Trying. No, I think in your brain you have a slight wanting of getting out of the situation, but not as much as you want to keep fucking around. I think I need to understand what I'm spending on. You know how you do that? You budget! You already know that. Everyone knows that.

That is a basic tenant. You do not have to be a financially literate person to know a budget exists that you can make. Listen, you get the budgeting app for free, forever, the premium version. We have to pay for the account connections on your behalf. And those who signed up for the annual version, of course. Link in the description below gets the cookbook that you can't purchase anywhere else that we made for budget-friendly cookbook. I'll sign it and I'll mail it directly to you. If you want to come on the show,

go to Calebhammer.com slash apply. Usually I ask what you think you rate yourself, financial score. What do you think the household financial score is zero to ten? I took the test on your website. I think I got like a one. If you want to know your score, take the assessment the ones she took.

Go to Calebhammer.com. Use the link in the description below. Oh, let's get the fucking finances on the moving because, oh, wow, we have. Oh, chunky, chunky. Big chunky, chunker. It's a big one. Okay, cool.

Oh, good. We're starting to, uh, this insane balance. Okay. Amex. What's going on with this? Oh, it's an Amex? Wait. No, okay.

American Spes. What is it? Uh, that was a consolidation. I did. Why do I see, fucking, oh, interest is accruing. I said purchases earlier. I thought it was, okay? So, you know, 17,500.

Did you fucking consolidated? You consolidated. You consolidated. You didn't even know we're... And now we have debt again? What are we doing? Obviously, again, change your behavior before you consolidate or go bankrupt. Because clearly this does not work.

I am not against the tool of consolidation or bankrupt or whatever. My debt's not... What? I don't think my debt's as bad now because I had to do this because... We have 70,000 hours of bad debt and this is only 17,000. I'm not to do this because my cards were maxed out. And it was really my credit. Your debt is bad.

Your limits, this might be higher. Yeah, well, technically this is now my mom's set. Yeah. Have you seen you? What do you mean? You're like burned, but in a small strip. Oh, no, I was in Florida last week. Wearing a sweatshirt?

No. No, it's, I wore a bathing suit. It's here, too. Oh, I see it. I see how it's working out. Okay. Sorry, I just noticed it. It was painful.

It is. It's peeling. Okay. Keep going out. It's my mom's debt now. Huh? It's in her name. Is that in your name? It helped my credit a lot. This is not in your name.

No, my mom took it out for me. Wait, whoa, whoa, whoa, whoa, why is your mom taking out debt? For you? For you? Just to help. But she... But it's her debt. She took out the debt for me, but I'm paying it back. You're putting your mom in a near 18-30.

dollar loan thing for your own mistakes. Are you kidding me? This wasn't cash you just gave you. This has to be like 30% or something, right? I think it's 12. Even if it's 12, that's insane. It's disgusting. I can't see it.

Yeah, I don't have it. It's not on the page for some reason. But I do see that $131 of interest is accruing. Of course, we're only making the minimum of payment, which is 635.91. What the fuck are you doing? Yeah, but it'll be paid off in two years. That's your mom This is your mom's risk

It's already been a year You know, we talk about the death situation really If you die Yeah If I die Yeah, and the low likelihood situation I think she'll die first Huh?

I think she'll die first Are you saying that You could get hit by a bus outside What? There's no buses There's Yes, they're off What are you talking?

Oh, in Austin Yes I'll avoid the buses Oh, you are Oh, you're so fucking What are you? Are you sure we should have a kid? I don't know, man.

Okay. What if you die tomorrow? This also, and also no, it won't be paid off in two years. What are you talking about? I'm pretty sure it was just a two-year loan. I took this out to consolidate to pay off my high, my, like, I had two credit cards that were maxed out, so I had to consolidate them. She was just helping me out. Why does this not say like most normal people?

Yeah, she was helping you out, but she was taking out debt on your behalf. Well, I'm her baby. Oh, fuck. Not this again. You're such a child. Why are you... You think that's cute? You think that's acceptable?

You think that's an endearing trait to have? It's embarrassing. Are you not embarrassed? I'd be embarrassed. I'm embarrassed for you. No, I'm not embarrassed. You should be embarrassed. I'm embarrassed for you.

I say this taking... No, this takes three and a half years from today, and it's probably already been open for how long? Can I look on my phone? Just tell me when, when is you took it? No, I want to look on my phone to see when it'll be paid off. Because I have a spreadsheet. Dude, no, I don't, I don't, I don't, no, just tell me when you took out this loan.

I think last winter. It is not a two-year loan. It is a four-year loan. That doesn't make any sense. Well, it does with math. And also has he texted you back yet. Oh, I was on silent. No.

Well, I think we should call him later, honestly. We took it out. the show or in the post show. Okay. I took it out in an October. So it wasn't last one. Yeah, it's a four-fucking year loan. Four to five.

Four to five year loan. You think that's okay? It's okay. That's four and a half, four and a half years. I have it being paid back in 27. Well, you're wrong. So three years. Three years.

You're wrong. Three years. Also, you said two. And it doesn't matter. Again, your mom is responsible for this if you die. Anything would happen. If you became disabled, if you lost your income, she'd be okay.

Shut the, She would be okay. She took out her debt. She didn't give you money. She will be okay. She makes a lot of money. She took her to debt instead of gifting you. Obviously, she is not in a position where she would just be okay or she would have gifted you money. What the fucking what are you talking about?

Shut up. She gifted me $60,000 a year before. She's not just going to keep gifting me money. Why? To buy my house. It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills, starting $100,000. $79, like the next grill

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You disgust me. I'm okay with getting a gift, but look how you've used it. Who can save up money for a house these days? Me, Lindsay. uh Josh Brandon That's great I'm happy for you guys

In this office of 15 I'm very happy for you guys You just asked We're in New York Lindsay how much is the house you're getting ish Oh it'll be about 5 p500 years There you go more than the house you got That's great

It's not a competition It's not a congratulation thing It's like your example's fucking wrong And also you're in two hours away from the city You want you to save $60,000 after working for one year? No, I'm saying you've never worked for anything in your life and your mom is just giving you everything

and you've never had any discipline. Now you're dragging your husband down because you're not going to be getting the debt. She bought a house for everyone. Then she's spoiling and enabling her children and look at the behavior. Look how it is translated. You're fucking financially abusing your husband. You're bringing a child into a world

and you're going to completely over. You don't have a single financial discipline inkling to your name. No, that's not true. How is it not? You have nothing but horrendous debt. You didn't know your dad. You have a budget.

You don't even know the way out of this, that your entire thing you can say is that's why I'm here. Your mom took out a loan on your behalf because she gave all her kids money in order to get houses. Now she doesn't have any money to her name. That's why she had to take out debt. And if you die, she wouldn't be able to afford this. If you get laid off, if you get fired for being bad at your job because you're a moron, then all of the time, oh, mommy, I don't have money to pay. I need to pay for my mortgage first. Mommy has to pay her debt.

Mommy will be fine. She's been paying my 40-year-old sister's debt every year, her whole life. So I'm not as bad as her. Your family is nothing but a disappointment and a joke. Well, they need to teach this stuff in high school. You can teach it to yourself on your own. There's books, there's libraries, there's the internet. The fuck are you talking about?

There's this show. There's the money guys. There's so much out there. Yeah, well, I started watching your show. I've learned a lot. Apparently not enough. This is fucking ridiculous. $17,520.

$32.96 at a $6.35. $91.0.91 payment for mom. Are you kidding me? Are you actually... What are we doing? What are we doing?

What am I looking at here? What am I possibly seeing two mom from? Two mom. It says to mom. Mommy! That's what it says. What is this for? That's more money.

The individual balances or is the stacking? I guess I don't know what stacking means, but as it decreases, that's what I've paid. So you owe $8,561 to Mommy. Y. For what and why and how? Same thing. What? Consolidating.

A different one? It was the same time. It was an extra thing. This was the cash that she gifted you and then she took out her credit card because she didn't have enough money, but she's enabling her children. What are. You are, oh, the way you guys are using your mother is disgusting. Oh, this is nasty. Mm-hmm.

Fuck you. I officially do not like you. That is a rare thing. I do not like you. You are a bad person. I didn't make her. You're a bad person. You're a bad person.

You're a bad person. I didn't make her take it out. You're a bad person. You are a bad person. From mom's retirement. How old's mom? She's 65. You're taking from a 65-year-old to consolidate your own death

then you fuck it all up and then mommy has to take out from a credit card. That's what makes a lot of money. I'm not worried about her. She's 60-5. Who do you think are on the chopping blocks for layoffs? No wage discrimination, of course.

She has her own business. Okay. Let's see how long she wants to do that. Let's see how long her health is. Let's see how long her business goes well. Let's see how long she has the energy for it. You do not account for anything in the world's happening. You think everything is a stagnant flow

where no matter what has been happening for the last five years of what's going to happen for the next 50. You do not understand a single thing this world and you use people around you, including your husband. You use your husband. You use your husband. You use him for emotional balance and you don't allow him to know any of the stresses in life so that he can just be there as a fucking rock.

And you just use his emotions. Now you're using his fucking nut. She will be fine. She's already finished her whole workflow. You are a bad person. She gets her pension. She gets free insurance, and she'll get money for the rest of her life. You should actually give a fuck about her.

She's not that she'll just be fine. She works in the fire department for so long. Congratulations, Mom. You put out fires. I'm thrilled for you. Good. Yeah, so she gets money from them for the rest of her life. Let's abuse fire workers.

Fire women. Yeah, I don't really like the fire department by me, so I don't care. But yeah, she'll be fine. She gets money from them. She gets money from her job for the state. Do you not realize? She'll be okay. Oh, shut the fucking up.

You disgusting, absolute creature. Do you not understand what you are saying? I'm saying she's an adult and she decided to make these decisions to help her children. Went to her. Hey, how did she find out about this? Hey, lady, lady, lady, how did she find out about this? Huh? Huh?

How did she find everything? Yeah. There you go. You told her probably did her little, oh, I'm a little. Oh, I'm a little. Oh, baby. You probably. Look at you. I know people like you. We all know you. You probably manipulated her. You kept dropping it. Just like you drip feed your husband.

Oh, little struggle here and there. Mama, mom, mom. All of a sudden, mommy, little daddy. I had dad. Oh, I'd love to get her little house. Mom. Oh, mommy. I would love to get a little house. And then all of a sudden, she's like, oh, daughter. I'm a firewoman. Bo, boo, boo, boo. This is like, like, come on. Ew. Ew. You're making me crash out. is we talk a lot about financial emergencies but what about the kind you can't see on the spreadsheet stress burnout anxiety they creep in quietly and throw everything off you don't have to hit rock bottom to ask for help and that is where sondermind comes in they connect you with licensed therapists or psychiatrists based on you your goals your preferences your schedule online or in person fast matching no endless waiting rooms and their app has self-care tools to help you stay grounded between sessions.

The best part, it's accessible. Sondermine works with most major insurance, so you're not draining your bank account to feel better. Sondermine is available in all 50 states, so yeah, they're probably available where you are. Taking care of your mental health isn't a luxury. It's a part of taking care of everything else. Go to saundermind.com.com slash Caleb

or click the link below to get started today. That is sondermind.com slash Caleb to get started today and make mental health a priority in 2025. Ever been stuck with an unexpected bill just two days before payday? Staring at your bank account like money will just magically appear. I've been there. College days, car breakdown, and, yeah, I'm Googling, cheap bus rides, and dignity. And that's exactly the kind of moment where Step would have been a lifesaver.

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So go download Step if you haven't already. Now, if you're not too distracted, playing games for money, let's get back to the show. You're going to have a kid. When mom's not here, you're fucked. Mommy's not coming to the rescue anymore. Good luck. Well, when she dies, don't I get money from her? Yeah, if she has a big nest egg, I don't know.

But that's disgusting. Your language, shut the fuck up. Your language is what was disgusting. You don't have brought up her dying first. Your language is what's disgusting. Your language is just disgusting. You said, oh, she'll be fine. That is not caring for her.

That is not caring for the debt that she has given you. That is not caring for the blessings that she has provided. Oh, she'll be fine. No, it's, oh, I'll work to make it up to her. Oh, she'll be fine. That is disgusting. You are disgusting. You are a bad person.

And I'm calling as I see. I don't give a fuck. I don't care if I look bad. I don't care if you don't like this. I will work to make it up to her. I'm paying her. Yeah, now you say that now that I said that. But that's not what you said from your fucking gut.

That's not what you said from your heart. That's not what you said from your brain. You didn't say that. You said, oh, she'll be fine. That's what came out of your mouth. Well, you don't know my relationship with my mom. No, but I know the words you're saying, and you only said that you'll make it up to her after I said.

That's what you should have said. And I don't believe you at all. I believe you are good at regurgitating other people's words after they say it to you because you have been nothing but a manipulative princess your entire life. Oh, disgusting. Do you have a minimum payment you owed? And your mom, I don't even want to continue this. I just pay her 150.

No, every two weeks. So it's $300 a month. You pay her back that $60,000? No. That was a gift. See her face when she said that? What a joke. What a joke.

I can't send you to therapy if anyone has ever needed it. I have three sessions through Sondermind. Well, whatever. If you need to change, what you might. Yeah, it's real cute what you're doing. And fuck you. I mean, I'm not even going to give to you the Fizz card. It's great for you guys, but not for her.

Yeah, I don't have cash for that. I want to cool down. I want to cool down. Yeah, exactly, because it only lets you use what's in your checking account. So you would be. Because I'm not worried about my credit anymore. You're right, because mom's there. You're not worried about anything because you've never had to do anything because you've been nothing but a spoiled brat your entire life.

Let's call it how it is. I love roasting people. It's fun. I love the jab and I love a good back and forth. I hate that I do not like you. It is a bad feeling. But you are not a good person. And I need to call it out because no one's probably ever told you that before.

You've been nothing but just fucking just babied your entire life as you've self-admitted. Yeah, people like me. Because they don't know you. They don't see this other side of it. Southwest. Great. $5,19. $157 with a minimum monthly payment of $125.

How long does this take the payoff? Is this another three years, two years, one year? How long does this take the payoff if you don't purchase on it, which, by the way, you're incapable of because you purchase more than you actually put towards it? So, but if you only made the minimum of $5,119.57. If you only made the minimum fee payment and who didn't purchase it on it, how long does it take to pay off? 25 years. 15 years, which is still insane.

You're okay with 25 years? Because look, guess what? You're purchasing on it. You put $500 towards it. That would seem like a great amount of money, but guess what? You purchased $649. I'm not okay with it, but I can't afford to put more on it. Then maybe you should be spending whatever the fuck you're spending on.

Should we go through what you're spending on here? What are we going to say? What are we going to see? When I go there here, what am I going to see? I don't know. Princess, what am we going to see? Southwest. I think I told my husband he used that card on tour.

I don't remember. But look at it. I don't know. Is he going to stay with you after this? Yeah, we like each other. Yeah. Does he know what he has actually attached to? What he's about to fucking.

He's known me a long time. I don't know why he decided to choose me, but he did. Probably because you come from money. $74. $24.24. Of interest is accruing. Microsoft Alt. submit. Right. Okay. That's the game pass.

That's the game. Jeff Bike. Going in gas station and getting to Boll. Going to the gas station, get into Boll. Hmm. Tour stuff probably. There's a late fee this year. There was a late fee this year. What the fuck? After being bailed out this much by mommy, there are late fees. Yeah, you'll press you a few. You've never learned anything because you've never had to, there's no, there's been no consequences. No, I just can't do automatic payments. You are financially fucked.

And yet you go and own a nice home. I just can't do automatic. No, do not understand this. You are financially fucked. Yeah, you are out there living the American life that a lot of people dream for. You have achieved that home ownership goal at 30. You do not deserve this. It has been given to you on a fucking platter.

You have not worked for anything and you've never learned anything. Well, like I was saying, they're late because I realize the day after they're due. But now it's in my calendar. Just set up automatics. No, because I like to pay it twice a month. but you didn't and then you purchase more on it anyway so it doesn't even matter doesn't even fucking matter dude like I said when we're out of cash

but you shouldn't be I know I know that's when trying to figure out and you just take your mom's money and you fuck your mom's money and you're fucking wrong with it or our children yes this is a lot of interest occurring hundreds of dollars of interest

I know that's why I'm so adamant about paying zero percent APR promotions. Oh, we'll see. But I don't even know if I'm able to at this point. Yeah. Buy your choices. You spend $900 last month on the month where you're getting better on going out to eat. I've been sick. I've been sick so I can't cook.

Have the husband to cook. He's been on tour. See a fucking rock start? Yes. He's a music. And he's still on tour. And he can't cook. Well, he got home Friday.

Good. And he can't cook. He can't cook, but he was on tour. You can't meal prep. No, like I said, I was getting nauseous when I was cooking. Why? Just the smell was making me feel sick. So I took a break.

I was probably just sick. I don't know. $614. $7.74. Minimum monthly payment, $35. Oh, my fucking piece of fucking dick. $1,2977 of purchases on here, well, $24.38 cents of interest is occurring.

What the fuck are we doing? What the fuck are we doing? If that's the Amazon cars, just stupid Amazon purchases. Then that's not cutting back. If it's stupid Amazon purchases, it's not cutting back. Well, I told my husband I want to cancel our Amazon subscription. Well, at least you tell your husband's something. Then do it.

You do everything else without his permission. He doesn't want to. I don't give a fuck. He likes to buy stuff off. Great. You guys don't have money, and he probably doesn't incorporate anything to this household income anyway. Knowing what he does now. That's just one of his jobs. Pull up your Amazon card for me.

Yeah, it's fucking Amazon, Amazon, Amazon, Yays Kitchen. Amazon, Amazon, Amazon, Dear You, Prime Video, Amazon, Amazon, Kindle Services, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. McDonald's. Come on! Fuck sake! You went into a podcast. 7-11 got so bull-hra-bri-bolvard, Amazon,

jazz, wine, and liquor. It's not even just being used for only Amazon. It's being used for so much bullshit. Things that don't matter. Fuck you dumb. At least no late fee on here. What the fuck is this thing? What is this?

What is this? I don't know how to screen record on this kind of thing. Oh, same way you do on Apple. You just swipe down? No. Or else I would see it. Well, you can get it started? You get it started.

You get it started. You like that phone? Yeah. It's cut in half. It looks so... I did break it, though. Low quality. Oh, that's why.

There you go. Well, I felt it that's fine. Yeah, we needed a f***ing mug and piping and shampoo, yellow tones and condition damage and parental. We're trying to get preggie. And Kirkland extra strength absorbent pads. Hot anti-bate, kill, queen colony. Okay, yeah.

Glue cards refilling. Pop drop morning sick. Okay. Amazon. Thermostat for adults and kids. You didn't have a thermostat at your house. You did not have a thermostat at your house? No, I didn't.

What? Does that a normal thing people have? Yes. They have a f***er, right? A little beep, beep, beep, beep. You know, what the fuck? Well, now I do. Okay.

Well, yeah, but you got an expensive version. you just under the tongue girl Marvel assembles hero I don't think the kids here yet Plus really I don't think the kids here yet Cognet fiber matte natural What the fuck are we doing here? Many guitar headphone get that one

Wall art great That's necessary more wall art great Outdoor basketball fantastic Necessary to live We would die We didn't have that That's my nephew's birthday Don't give a fuck

Pay off your debt Then give him a nice birthday present I pick the cheapest thing you want it I don't give a fuck Book go to the library I say that He says he wants to own them. I don't give a fuck.

Don't get the want doesn't matter. And also sure, he probably wants things, thing in your financial situation is better because he doesn't fully understand the context because you haven't allowed him to. Tell right before he went on here, more books, more books, more books. This is stupid.

Stupid. Home Depot. Okay, what the fuck? What's going on? We... Building a crib? No, we redid our kitchen last fall. Summerfall.

Self-renovate? Yes, we did everything. Yep. Okay, well, you owe $2,761 on a high-interest card in 61 cents. The minimum fee payment is $47. You're okay with paying this off in 18 years because that's how long it takes. 18 years. 18 years to pay off your kitchen, you'll want to remodel it by 15 years.

We have a 0% promotion. And if I pay it off in a year. Literally, interest is charging. To some things, not the full balance. Okay, well, interest is. Probably to like $200. I don't care. Interest is charging.

You said this place was steps from the water. We just haven't found the steps yet. How much did we save? Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your ocean front room. Just steps from the water.

The Hilton sale is on now. Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected. When you want savings, not surprises. It matters where you stay. Hilton for the stay. What matters. To $200.

Also, you're getting deferred interest and it has to be paid off in October of next year. I'll be able to. I hope so, except you're pushing. You listen back to your own words. I know, but I haven't stopped yet. You're fucking own words where sometimes they don't have enough money and my check and I got to make the minimum wage payments. You just got your bank.

Sometimes you make less than you need to make your payments. No, maybe you don't. I haven't had that happen yet. Yet! Your pay was just decreased, lady. Yet is the key word. I don't give a fuck. Also, you missed the minimumity payment on another card, so that's not even true.

I paid it the next day. Doesn't matter. It still happened. Yeah, but that's just forgetfulness, not because I didn't have money. Great, forgetfulness. I'm not going to forget it again. I put it in my calendar. There are so many documents here.

Who is to suggest you might not forget? Oh, you are ruining me. That doesn't affect you. Yes, it does. I get it. Give a shit. Aw, thank you. About your husband.

No, it's basically, it's like $750 that's a growing interest. So not just a couple hundred dollars. That is still. How do you know? Because. Where does it say it? Where does it say it? What do you think is happening on this show?

I want to know how to read. I have statements. Okay. It's happening. It's so hot in here. It's so hot in here. I'm sweating. It's just $20.

It's so hot because it's $10. degrees outside. It's $20. She's sined from the heat. Look what is happening. She goes to Florida. I like every fucking New Yorker. Okay, that's all she's doing.

She just escapes and she goes to a place she can't afford anyway. I didn't pay. You know, you have a nice little mortgage up there? I didn't pay. Well, you didn't spend any money down there? No. Not a penny.

I spent $20 on ice cream one day. Bad. That was my contribution. You don't have money. Well, they bought me food all week. So that was my contribution. My mom and my sister. Oh, for my sake.

Spoiled The one doing her a favor By going on a trip with her She wants to spend time with me So I'll go with you You don't need to go to Florida She has a house there She's a house there

Yeah but to spend time You don't have to go to Florida It doesn't matter But what a spoiled brat thing to say Yeah Yeah yeah yeah Yeah I believe I've lost a pen And does anyone see a pen

You're right? I've lost a pen A pen A pen is gone I don't want your fucking Spoiled brat pin Why? Because it's going to rub off on me, I'm going to start milking people. Ew.

They said you bought a lawn more for $2,500. That's a long time ago. City simplicity. Yeah. Yeah. This is the house we want to bring a child into. Yeah. To be clear.

We have an extra room. $6,228. It's been a monthly payment, $286.85. And $582.52. That's fucking crazy. Yeah. Yeah. I think it already has the interest incorporated in it.

And that's why. Yes, $51 and 91 cents of interest is accruing. It takes eight years to pay off. What do you mean? What the fuck? Okay, what's up with this card? Eight years. Yes, eight years.

Shouldn't be that long. What? I don't. Oh, I'm losing energy and hope. What the fuck do you mean? It shouldn't be that long. You're right. It shouldn't.

Because you shouldn't have this much credit card done in the first place. But it is because that's math, lady. I don't know. I don't fucking know. I don't know. I don't know. I don't know. Okay? So you tell me what. What? Why shouldn't it be? Why shouldn't it be? It is, but it shouldn't. Because when they offered me the loan, like it was like a $4,000 loan, it said. Why did you get this? A certain amount of year. To consolidate. This is a moment.

Because 12% was better than 24%. But look, it hasn't changed your behavior and then you just rack up the other debt. Mm-hmm. Yeah, but when I only, when I do use my credit cards now, it's four needs. Credit card. It was food. It was so much bullshit. It was food.

No, it wasn't. Yeah, it was. What was it, $100 on books? That's a lot. That was stupid. Yeah, and the fucking stopping in against bullseeing gas station ultimate game pass. I don't remember every little purchase. You should.

That's not my responsibility. But there was a lot of bull. There was a lot of bull. That's my husband. I can't remember every purchasing me. And if you guys communicated, you don't think that counts? Why would he communicate with, he?

Oh, I'm stopping at the gas station. Let me just tell her exactly what I bought and how much I spent. Oh, you. And this is why you've grown. That's not how to communicate. This is why you grow up as a spoiled bitch has accomplished nothing. Because, no, it is not about,

hey, I'm going to the gas station. It's about allocating the amount of money we're allowed to spend on bullshit at the beginning of the month and we meet at the end and figure out if we did. And we adjust for the next month. That's a great idea, Caleb, and I'm going to try to do that. Thank you for the advice. I just don't see why he would ask me to buy from the gas station.

But you're right, we can set a certain amount that we spend. We shouldn't be spending at the gas station, but he was on tour. What do you want him to do? He brought bread. He brought tuna. How did she do for the store? Um, I don't know the full number. Ish, ish, is.

The band in total, Prime Aid 10. Him! And then he pays, I don't know, he keeps it to himself. He keeps it to pay off band stuff. He pays the gas, the hotels, the merch. No. I don't know what he does with it. I don't want to see it.

You guys are, you're married on paper only. No, that's not true. Yes, it is. besides the little insertion? Yeah. Insertion? Well, you don't know we do that. You're trying to have a kid, and you guys are married.

I hope you're fucking. I said we're going to try. But now we like each other a lot. He's my best friend. And that's the extent of it. Because you guys definitely are not combined in life. We are. Just not anywhere.

I just have to keep his extra money safe from me. safe from you Isn't that smart? Oh my gosh You are I'm gonna I'm gonna I'm Oh I'm gonna cry

I can't I can't I can't talk I can't talk to you I can't talk to you 1,000 $865.99 This one looks interest free

What is up with this card? Same thing as all the others Consolidating That should be paid off soon. No? No. No. I mean, it ends in like 10 months.

That's pretty soon. No, the interest period. It takes four years to pay off. Yeah, but I pay. Six years. I pay $110. A little extra, so it probably still won't get there. It's not working.

Plus, I do the math. Listen, math lady. I have a spread sheet. I have a spreadsheet. I have a. spreadsheet. My spreadsheet and my brain tells me that. Do the calculations.

How much do I know? Okay, here's the calculation. No, I'm going to tell you. Oh, I calculated it. If you made five, I just did the calculation. And I pay 110 a month? Hey, hey, hey, hey, hey, hey, hey,

what is that you quit to? Boop, boop. If you make $5,800, you can't pay your $6,200 required on a monthly basis. But that hasn't happened yet. Yet! You just lost your body. You just got a devotion.

No, I didn't. And take home pay. Yes, you did. Yeah, and take home pay. Dude, I don't give a fuck what you... You're going to help me figure it out. Isn't that what you're here for? No.

I can't just say go get paid better again. Dude. What the fuck is your existence? Hey, guys always ask me, Caleb, what do you invest in? Honestly, I keep it pretty boring. Take a look at this. Take a look at this. This is my investments right here.

And this is why you got to follow me on Blossom if you want to see just that. A couple weeks back, I stumbled upon the social investing app called Blossom and thought, all right, let's give it a try. And it turns out it's actually really cool. And to be clear, they're not a brokerage. Blossom is a completely free social media platform. They're not your typical investing app. It's social meaning you can follow exactly what I'm investing in.

And you can check out my portfolio in real time and even discuss straight. strategies with me and other investors. There's no guessing games, just clear transparency. So if you're curious about how I'm investing or just want to get smarter with your money, download Blossom right now, and you can follow me at Caleb Hammer. I'll be sharing my exact portfolio breakdown, investing tips, and even responding to your questions. It's totally free, super simple, and way more fun than just guessing stocks alone. So hit that link below, join me on Blossom, and let's grow our money together. Seriously, right now, you can actually see what my portfolio looks like today.

Well, this one's not zero percent. You also purchase more on than you put towards it. So freedom card. Mm-hmm. Freedom from using your brain once. And an independence once. Freedom from mommy? Oh, no, no.

$4,264.9. Minimum monthly payment, $105. 14 years to pay off if you don't actually purchase and make the minimum, but you only know how to purchase. Well, $63. Why wouldn't you purchase on a card that it's at least not accruing interest? Like if we're just being like logical about it, I don't get it.

63,014 cents of interest is accruing and then you go and purchase on here. Like what the what the what the what the, what the cards that are zero percent interest? But if I can't afford to pay them anyway, why would it matter? Because it's just like, it's just like. LA Fitness, Pestart, Home Depot. We already have a Home Depot card. What the fuck? What the fuck are we doing?

Well, I try not to put... Well, it doesn't matter. I try not to put Home Depot purchases that won't get the promotion. I try not to. Oops, and then I do. Well, we fix everything on our own in our house. It doesn't matter. You still put it on a card that doesn't come into an interest. I don't give a fuck.

That's not what I'm talking about. Did I say you shouldn't fix things? No, but we have to go to Home Depot. Do you get parts? It's not like you can afford a contractor anyway, so I don't know what you're bragging about. I'm not bragging. What are you saying then? I don't give a fuck less than you have a Bonvoy card.

minimum monthly payment, $40,000 stupid, dumb, dumb, dummy, dumb, dumb dollars. You know, $1,065.31. Minimum monthly payment, $40, three years to pay off, interest is accruing. Minimum monthly payment made, no more. A couple hundred bucks of interest accrued this year so far. I had that card at zero, but I had to get Botox. at the beginning of the year. Had to?

What would have happened if you didn't? Well, my TMJ was really bad. I don't know what the fuck that means. It's just this muscle in your jaw. Well, can I tell you something? You look 30. It's not even like doing anything for you. It's not supposed to.

It's to relieve pain. Doctor's orders? It's the only thing that works for TMJ. Doctors orders? Yeah, well, I. I'd see it. Doctor's orders? I see a doctor now, so it should be free in the future.

How much did you just spend on it? Uh, 1,200. Where'd you get Botox? America? Yeah. Nisi did that. I'm a little nervous going to another place for Botox. People have had good luck.

Why are you yapping so much, then? So much bullshit that job he heard him. What? What do you mean? Because of my Team J? I'm surprised you've never heard of it. Why would I? I don't know. Well, it was causing me like 10 out of 10 pain, so I had to get it.

I don't know you. So why would I know? What TMJ is? Yes. Why would I know that? I mean, it's a very common condition people have. So people just going through getting $1,200 shots always constantly? Botox last, what, what, three, six months?

Well, Google it. What's the best pain relief for TMJ? It's Botox. Yeah, but you have to go do this. So you have a $1,200 payment that you, that you, You've done every three months? Well, I had 10 out of 10 pain. I was crying.

I'm not against that. I'm asking, oh, my, my, you are so. Why can't you answer the question? So you have to do this every three months. No. But now insurance will cover it because I found a doctor to work. And you've done the muscle relaxants, anti-exiety medications, low-dose antidepressants. Yeah, I've done physical therapy.

I did steroids, physical therapy. Mouth guard. Okay. Again, I don't remember post-to-law, but why did you go do that instead of have, go to a doctor first? It was so bad. I wanted to get it done immediately. You can go see urgent care. No, you have to see a specific doctor.

And she has to go, jump through a bunch of hoops to get it covered by insurance. So it's already been in process. I saw her for the first time in March. Well, I'm not necessarily opposed to that compared to everything we've talked about. And again, that purchase isn't even on the statement. So it's not even something to talk about for this last month anyway. But it's why interest is a career in on a card. Someone in your income situation living life that you live being bailed out so many times being spoiled bright.

You should have an emergency fund that would have covered that anyway. way. So it doesn't even matter. Shouldn't have been on a credit card to begin with if we're being completely honest. Paypal credit. What's going on with this? That's just little purchases. I like to push off. You get the six month and then you pay it off. So like sneakers that I need for work or concert tickets or flights when I go somewhere. Little purchases. Those aren't little purchases. Thought you're talking about like a venue machine stop and McFri. Huh? No, I would never

Well, you said little purchases. Again, you have no concept of money because you never had to work for anything in life. Everything's bananas to you. I mean, little purchases, and you've never faced any consequences and nothing's ever negatively impacted you in your life financially because you always had mummy in your back. I used to have daddy too, but he died. Well, see, told you it you it can happen.

Are you sure you want to leave that on your mom? If you do, I'm very sorry. That sucks. That's sad. And I'm sorry. But that shows that life happens and you can die. It means you put your mortgage on your husband's back. It means you put the credit cards that your mom took out for you on her back. Well, I got life insurance for myself. Yeah, how much?

I think it's like a million or something. Okay. What's the status of it? What does that mean? Just like how long you've been paying into it? Cheers. Okay. What kind of life insurance do you have?

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We don't need to go there. I don't care. I'm going through your debt. $1,236 with the $30 minimum payment. Yes, you made more than the minimum on this, but it doesn't always matter. And there were purchases and adjustments anyway. G-O-G, whatever the f*** that is.

Gog. Games, I think. Nine years to pay off. Interest is zero. For now. Nine years. Nine years? Oh, to pay off.

Not nine years. It's just free. No. It's just free until all depends on them. Many of them know some start on October lady. June 14th, September 14th. I don't see a June, but I do see October, September. Wait, sorry, October, November, November, November, and then February, February.

So that's a lot to pay off by then. That's when they started. And that interest is accruing like crazy. $16. $12, $18, $7, $4. They will hit, they will blow, they will destroy you, and it will be... If you ever wants to get a real job and bring in real income, I'll gift him a course career certification, by the way. No, he's good money.

I hope so. It's hot, isn't it? Yeah. Mattress firm. $2,055. And 36 cents available to spend. I hate that it even says that. What is the minimum of the payment on this normally?

Because it was already paid on here so I can't see because you didn't send a statement. You sent a screenshot. I know because we had just got it. How much is the minimum payment? I don't know the minimum. I only know the amount I would pay to avoid the interest, which is $100. Probably $45. No, $80.

Maybe I wrote it done. We're going to call it $45. Okay. So what is, I'm guessing that's for a mattress? Yes. You'd be correct. How much of them? mattress did you get and win?

How much of a mattress? The amount of dollar. The amount that's on there. No, what was the purchase price, lady? Did you just get it? Yeah, that's why it's a screenshot. Because we had just got it. So a 2,000-hour mattress?

Yeah. Nice mattress. Yes, nice. You need that instead of being able to bank your other payments? Remember, you just went and got $1,200-dollar emergency Botox. That could have covered that. That's more important. You guys didn't have a mattress before.

We had a really old mattress from 2010. Good. So you had a mattress. Yeah, but it's not good for your back. You could have gone another six months. And also, we don't know the state of that mattresses. That could have been a mattress. Some mattresses will last a lifetime. It's a really good mattresses.

I don't know what to say to that mattress. We don't know. What would happen in six months? Maybe you would have had more money to get a mattress. And I have to go into that for your Botox. For a reason, I agree with you getting. But it's how you went about it. and the way you're living life around it, which is f-ed.

Yeah. I'm surprised mom wouldn't cover that. That's something where it's like, Mommy, I would rather Mommy step in and be like, oh, daughter's dying. Let me help instead of like, here you go. Let me enable your bad behavior. Apple card. Great.

Love it. Oh, my, we have so many cards. This is insane. Balance, $2,776, $54. Minimum monthly payment, $41. $14 years to pay off. went in got some bullshit in the gas station Apple card went in got some BS

Premium Apple Bill Winning got some BS Underbelly Bullsh bullshit Bullshit bullshit bullshit Intresses is a coin Pull up your phone I don't know how to get there on there

Never mind What subscriptions do you subscribe to on the Google Play Store Just game pass Google Play Store Let me play I have well my husband has Dropbox, ICloud. You have an iPhone, too?

Yeah. Why? For work. Do you have subscriptions on there? No. Okay, tell me, keep reading. Go. Start from the start. Dropbox, ICloud, game pass.

My gym. We have the Amazon Prime. We have AMC through Amazon Prime. Okay. I have Bubble. Spotify. What is a bubble? It's like an app where you're

favorite Korean actor or idol can talk to you. Wonderful. Wonderful. Good. It's only $4.00. Don't care. Cancel it. Spotify. It's adding up. You have no value. And you don't understand the value of a dollar because you've never had to. It's just $4. Exactly. Fuck you. Keep going. Spotify and YouTube. If you have YouTube premium, use YouTube music. I didn't even know he had YouTube premium to do. Cancel Spotify. Two weeks ago. He says no. I don't give a fuck what he says. I literally do not. He's a dumb c. I don't give a fuck. I don't. I don't give a fuck.

No, he's not. Well, he is to me if he's not willing to sacrifice anything for his future child. He's not willing to give up YouTube and Spotify, but he doesn't care. I said if you have YouTube premium, give up Spotify. About anything else. Oh, you don't need both. He uses them for different things. Well, he doesn't have to.

And his music is on Spotify. And it can be on YouTube. It is. There is. How do you expect him to make money? Do you have to subscribe to premium for that? Do you know that for a fact before you say yes? No, not the YouTube has.

So shut the fuck up. The YouTube he has to watch you. Yeah, he couldn't come here. Nah, he's busy. He's a pussy. No, he's not. He's more of a man than you. Doubted.

I actually faced my, I got on my financial. He wasn't doing sacrifice for the... He hasn't done anything. He doesn't do anything. Man, not all his meals. He wants to have a kid. He won't sacrifice to single fucking thing. You got to get an energy drink.

Yeah, he can stockpile if he's a, if he's a fucking man who knows how to do anything and care for himself. Can't even care for his wife. Can't even have a conversation. Can't even stand up to his wife and be like, yo, what's going on? What's going on? What's happening?

Well, he would never call me a bit. Well, I'm just saying that because I'm thinking that is you. But no, he's very much in charge. He's very, he's a big worry. That you don't tell him anything. Yeah. Yeah, I don't want him to worry. Very manly.

Yes. He gets worried. He gets a little worried. He can't have, he can't do anything because he might get, He's not like any of the pussies I've seen on your show. But you are. But I am. Sure, I'll be a pussy, but he's not.

Yeah, these are my purchases. I have the household finances, you told me. Yeah. They're a household. We went to him. Some were his purchases. You literally just said that like five seconds ago. Yeah, but those are necessary.

Shut the fuck up. I don't give it. This is a pointless, pointless rabblehole. Pointless rabble hole of nothingness. Okay, and we have an auto loan. Yes, two. You didn't wear deodorant. Oh, okay.

$10,257.17. Well, it's radiating to my nostrils, okay? I'm sorry. Minimal monthly payment, it looks like $178.76. You're coming to a place that is 103 degrees. I know. I don't wear it at home, so I forgot. Want me to go use the bathroom spray? No, I want to just wrap this up so I can be free from you.

What is this car? That's our Rav 4 Okay What's the interest rate? Well, I don't know, six I don't know six Can you give me What is it?

Do you know? No. You don't know at all? No, what does it matter? I have to pay it anyway. What does it matter? Because it's fine If it's bad or good,

if we should speed up the payments If we should not, the fuck you're talking about. It's 6.5. How am I supposed to speed up the payments? My choices! Okay. What is it worth?

Do you know? The Toyota Rav4? The Toyota Rav 4. I don't know, 10. It sounds like a commercial. 9-7. So you're not terribly underwater. The interest rate's not disgustingly the worst.

Yeah. Like your existence. But it's, I mean, if you take it into appreciation, you're not certainly beating the market if the money was in the market instead. So it's not like thrilling. So we might come back to it. Toyota, okay, double card. That makes sense.

Toyota, what is this? Tacoma. Pick up. I know what a Tacoma is. They might not know. They do. But what I don't know is the balance. Could you please tell me that?

What? I don't know. I see the minimum fee payment. I don't see the balance. It's probably like... Do we have the balance? Miner monthly payment is $178. $0.50.

We are investigating balance. I'm not sure. It's a lease. So it's probably like 12. It's a lease. How long's the lease? You know fees and bullshit to get wrapped up in that. Yeah.

What's the buyout? Eugene says that too. I don't know. We don't know anything. Okay, great. At least we know there's a minimum fee payment there. Okay, here's the mortgage. Yeah, I don't know.

$409,154. $854. And $86. Minimumal monthly payment. This is $3,738.90 cents. 6% interest rate. Yes, but our tenant pays $1,300. Okay, we'll calculate that into your income afterwards.

Okay. Yeah, that helps because that's pretty brutal. I mean, that's half your fucking income. So that's a risky home to get. Why did we get this? It doesn't make sense. You can't afford it. If you didn't have the remain, who knows how long that roommate's going to stay there.

He'll stay. He's like our Joey. He's like, she'll be fine. It's like, you just. He's like our Joey. from friends. He's always going to follow us. You know even the Mississippi that's been there forever

changed his course. He's lived with my husband for 15 years. Okay. Doesn't mean he's going to have another 15. I don't think he's going anyway. Nothing is that stagnant in life. Life changes. You just literally think everything will stay the same.

He's very stagnant in our life. In our lives. What is it a fucking three way? Like, he might, you don't know. No. He's not three, right? It's just really good friends. He might have ambitions, eventually, eventually to leave and go do things.

He might. What if he meets someone? He did meet someone. They dated and they broke up because he didn't want to leave. Huh? He didn't want to leave, so they broke up. Oh my gosh. Okay.

Maybe you're the only person in this entire world where the entire life literally will never change for the next multiple decades to come. Okay, checking account, 3,000 went up from one. so what no no no whoa whoa whoa whoa whoa no no no no checking account went from no end any balance zero dollars what account you're chased checking account yeah i used it to pay bills i told you we have no dollars though probably that's insane for a checking account why what if a bill comes due and you don't have the money oh my that did happen then it comes out of savings. We have the overdraft protection.

Yeah, we decide to go to Colosso and go in the gas station, get some BS McDonald's, going to gas station, get some BS Ash Greenhouse Cafe. We decided to do this, even when we get down to $0.00. We go fucking PayPal and

going in and get into BS, going and get into BS, little lunch, or neon lunch cafe or whatever Friken I know. Aqua Hut, Linch Cafe, Starbucks, Tropical Aquarium. We're doing this when we get down to zero dollars.

Philly Pretzel, tropical aquarium. No, that's how we do. No, no, I said, boo! Okay. Nirvana, go in and get us to be a smoke shop. Oh, glad we have a too fucking addiction when we're about to bring in a kid. Let's get one cancer.

I quit. When? Two months ago. Why don't I see smoke shop then? My husband. Okay, what? He's involved in the kid's life. I don't know if you know this.

Oh, you think everything either applies to you or anything. No, he's going to quit. But nothing combined. He's going to quit, but it doesn't matter if he doesn't. Hush now. Greenhouse Cafe. Winning got some BS. Disney Plus. You don't even have a child. We all have that dream trip.

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app or visit priceline.com and book your next trip today. Go to your happy price, price line. Yeah. Though Andor is fantastic. When in, huh? You watch Indor? Yeah. Okay, maybe I don't hate you for a second. Thanks.

Do you watch the finale yesterday? No, not yet. Okay, I hate you again. Shut up. Winning got some BS, winning guts and BS. Hating once are all $600. Who even knows what the that went? Winning Guss and BS.

Gift store. Lynch Cafe, Wine and Lime and Lus. liquor. We're doing all this while we're draining it down to $0. Ladies and gentlemen. Yeah. Shouldn't I use my debit card instead of my credit card? Epic Steakhouse, winning us and BS, Kings MT, zeal money.

It's the fact that she shouldn't be doing it at all. How come we not comprehend that? Smoke shop, greenhouse cafe, PayPal. Yes. T. Winning us and BS. Sini, convenience. store, winning, got some BS.

PayPal, Domino, went out, fucking got some stupid BS, Starbucks, Shaboo! Starbucks, BS, BS, BS, PayPal, BS, Nirvana, McDonald's BS, BS, BS, lunch, lunch cafe,

BS, BS, Zelling Out, Dunkin'Outs, transfer, Burger King, Bath and Patti Works. And, Money out. Dollars in things. BS, Zellin out, BS BS BS, fucking money out.

Cafe and Grubhub food. BS. Great. It's the savings. That's the savings that he has $3,000, but the checking account ended at zero. Ficking stupid, dumb dollars. And we're going to have a kid.

Good luck to that one. Good luck, little child. Whenever you join us. $80 in this checking account. Oh, Tropical Aquarium, Duncan, BS. Taco Bell, Wendy's Little Tokyo. Good thing. Good thing that keeps going.

Mm-hmm. Zelle. Zell. Grubhubhub. Syribium. The bright brain thing. I can't pronounce it right now because I'm probably desperately dehydrated

in this 90-degree room. Zelling out money. Oh, $1,000 to return. We're so sad, guys. Oh, $46,000, who's this? Is that you? What? $46,000 in this retirement account.

Is that you? Yeah. Does he have anything or is that $1,000? What,000? He doesn't have a retirement. He has his stocks. Did he respond? Probably not.

Is he a bitch? What is happening? Why is he responding? He's probably doing stuff. What is he doing? That his wife doesn't matter. And Ron, just kidding. That's what he said.

Why? It's such an undiversified portfolio. He said just kidding. Oh, I thought you said just kidding. He didn't say. Well, that isn't he. It is an E. So what did he say? He said Enron, just kidding.

What? Get the real. Oh, lady, you are a fucking creature that has been hatched out of an egg and brought into this room to punish me. Are you proud of your existence? Do you like that you exist? Yeah. Why? I'm funny.

I'm cute. Funny? No. Cute? I'm pretty. Pretty. Yeah, you're fine. Thank you.

But you're definitely not a cute personality and you're not funny. You're horrendous. Well, in day-to-day life. Day-to-day life. You're, fuck your day-to-day life. Look what you've done. Look what you have made. I know.

I'm stinking up your place. Yeah, you're also stinking up my fucking place. Listen, your minimumity payments, that including your mortgage is $2,88. $0.69 cents. Okay, mortgage is $3,738.9. I know we will incorporate that additional income here in a second, but what about utilities?

How much goes out in total? So electricity is $254. Internet. Internet is 80. Car insurance is $4.38. I'm saying utilities. Oh, sorry. Is there gas?

Utility gas. Like for my house. Yes. Oil. oil. But it's... Okay, how much? I don't know, because we only fill it twice a year.

It's about 2,000 a year. Okay, so 1,000... So 2000, 2000, 2,000... You've killed me. What was the electricity again? 254. What was the internet? 80.

Okay, utilities. Do you live in the fucking middle of nowhere? That's so weird. Utilities is... $5001. Okay, what's your car insurance? $4.38. Gas, room, from drive, drive.

$180? No. For both? Sorry, that was doing two weeks. $360. Phone bill. $2.10, but my mother-in-law pays $40 towards it. Well, great. We've saved so much money.

$170. Well, I want to switch, but... Necessary food, $600. $600. Use the cookbook. 600 meal prep, 600. Yes, you can do it. Okay. T.P. Fun, anything else you need is $550.50.

No subscription. Well, fine, whatever. Let's say, you have a few subscriptions, $25. How much for the gym? 30. This entire episode, I've had to fart so bad. And honestly, because of how much you're stinking up this video, I probably should as revenge. Just do it. I'm not going to. I'm not going to.

Ew. Fucking weirdo? No, I don't care. Oh, you just, ooh. How much medical on a monthly. basis, co-pays and stuff like that? Zero. Okay.

What else needs to be in your budget that I haven't taken an account? I have ADT security system. It's 65 months. Okay. You have pets? Yes. Pet insurance for my little girl is 32. And then the food for them?

They get... We buy once every three months. Come on. 60. So divide that by 320. anything out Not necessities, no Good, I don't give it

it to the rest. Can't just use our- Oh, the life insurance. Use our budgeting apps. Does that get taken out before your pay hits or after? After, because you sign up for it separately and that's okay because life insurance doesn't always follow work.

Right. I get it. How much is the life insurance? 45. Oh, for yourself. Oh, yourself. Needed to survive is $8,263. And you thought it was,

you thought it was, and 6,000 whatever. Okay, great. So, okay, how much comes in for rent? $1,300. Okay, great. So the entire household income is $7,600. How did you think you were making this?

I'm so confused. $8,263. 59. You're underwater by $663. 59 cents. The only option is he goes, gets another job. You go get another job because there is no survival. here.

Yeah. I'm going to double check the math just to make sure because that's a big number and I don't want to fuck it up and I don't want to

do them in gloom. That was right. All right. You go get another job. He goes get another job and you guys live on bare minimum and you grind to pay it off

but just that $70,000 of bad debt. Bring an extra $1,000 a month net, which is definitely I'm sorry. No, no, $1,663 net.

If you go and bring that in, that still takes what? Six years to pay off that. I don't know and don't consolidate. Again, you haven't changed behavior. Look how much look at the spending in the checking account. But it's six years

so bad. That's six years with you bringing in an extra net. Probably an extra before taxes, 2,250 okay? Before taxes. That's you both combined. So that's a lot of work. That's you cutting back to zero. Doing that for six years.

That extra work, probably 55 hours each, well, we can work. So that's pretty bad. Sorry, this is where you are. Listen, what you might, honestly want to do, if you can prove for six months to change your behavior, maybe go through bankruptcy. But do not do any kind of debt shortcut until you fix your behavior, or we will be having this conversation again in just a year. Yeah.

Well, I'm not going to do bankruptcy. So if you can fix your behavior in six months, come back on the follow-up channel, and then I will give you permission for consolidation or bankruptcy. But until then, you need to fucking grind this shit and go make that extra money, because that's it. Spending a budget, you overspend, zero-tenth. I'm going to call the husband in the post show to stick around. It's always the juiciest conversation.

Subscribe below. The elite version is the best YouTube membership on the entire platform, and it really helps support this channel. Debt. This is fucking. This is brutal debt. No collections. One out of ten.

No IRS debt. Emergency fund. There's $3,000 in savings. I'll give you a $2.10 for what it takes for you to survive. Retirement. Yours is good, but then you have to combine you guys together with where you're at, combining him four out of ten, real estate. What's the equity?

position in the house? What's it worth? It's worth $5.50 now. Okay. Well, this is what's going to carry you. I get to add extra nuance to my score since you didn't put down the down payment and you don't even appreciate it. I was going to take any of my 8, 2 and 7. Fuck you. Hammer Financial score, round and drop three out of ten. Guys, join us for the Post Show. It's going to get really juicy when I'm bringing the husband and actually expose all her fucking bullshit for real and let him know what is actually

happening. It's going to be crazy. And don't forget, if you don't want to be like a guest on the show, just download my budgeting app. And for those who sign up for the annual version of premium, I'll send you the budget for in the cookbook, which you can't purchase anywhere else. I'll sign it and mail it directly to you. See in the post show. Why too much of the bishops that comes in front of me?

Your whole stick doesn't appeal to me. Your stick is just going worse than a debt and not knowing a single thing about it. It is what it is. This kid's going to grow up on the streets. That's what we're hoping. What? That'll grow up on the streets.

How much high interest, bad debt do you think you guys have? $20,000? Buddy, it's $75,000. $70,000. I know we're bringing kids into this world, but you're giving short answers that a child would give. How the f*** do we deal with that? So call him back and try to convince him. I will call him. Clusive members' content? Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.

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