$100,000+ Incomes Stealing Government Assistance | Financial Audit

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To watch episodes of Financial Audit a week earlier, check us out on YouTube. So this is. This is the kind of guy that knocks up a stripper, isn't it? Good p***y is good p***y. Your p***y is basically falling off the a** of that. You're like you're giving handjobs in the back for the money. Uh, yeah, I don't think that was taking place. It is. It sure is. I had, um, a regular. We would go to a hotel. What'd you do at the hotel? It was fun. What is it to take to get through your head to stop doing this? You better buy me a yacht or a f***ing house. So it's concerning that you felt the desire to put your hands on her? I was literally on the brink of, like, I've never wanted to physically hurt her, but I was like. Well, that's something you should have to clarify. Well, it's getting to that point. It's getting to that point. To want to physically hurt? Yes. Absolutely. My official Gamersubs flavor is finally here. 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Okay, sugar babies usually look a little different. Um, but. Okay, yes. I used to, when I caught him. Huh? When I caught him, because we've been together for 10 years. What did you catch him doing? I, you know, you put it in, you reel it in, and he's mine now. You catch him. Cute. Uh, how many years? 13? 11. Is that what you said? 11? 11. Yeah, 11. Oh, very good. We're married? No. Okay, fine. Oh, congratulations. When did you pop that question? Oh, God. She knows more. Three years ago. Three years ago, yeah. What the f***? Why have we not closed that knot? Ask him. Uh. Okay, I'll ask you. Why have you not closed that knot? Benefits, healthcare, things like that. Uh, what about? Well, what's the impact that you have been told? Oh, well, I would think that I. You would think? You haven't looked in? I make too much money, but, um, we have six dependents in the household, so. So, okay. Actually, we call. But if she doesn't make anything and you guys get married, then your household tax liability actually puts you in a, like, a. It should. Um. Okay. Previous years, before now. What do you do, Tyrone? Uh, I run a lawn care company. Um, this is my first year, like, on my own, doing it as. How many employees do you have? Just me. It's just me. What do you make? Uh. Safe side, 11.8 a month. Oh, okay. Not bad. I was gonna. It's kind of concerned. I mean, yes, lawn care is. Seasonal. That is a good business. Yeah. It certainly is, but. So, that safe side, is that consistent throughout the year? No. Okay, so, when you say that's the safe side, is that gonna be, like, the average across. It, it, it's. Up and down months? It's on the lower, on the lower side of the average, just to be safe. Like, I have. What's your low months? What comes in low months? Uh. Like, 10,800? What comes in high months? Uh. Well over 12. Okay, so, I mean, it's. 12, 5, maybe 13. That's actually not a huge range for slow months, high months. The concern, um. Oh, no, during winter months, it's like half, but I have to find different. I said low months, asshole. Oh, okay, yeah, yeah, yeah. I thought you meant, like, during the lawn care season. Why would I say that? I said low months. So. Why would I want to know the low of the high? I said the low. Give me the low. If we're gonna average, it would be, like, 4,000. 4,000, probably, if you take all 12 months. And you do extra work? What does that extra work during the low months? Uh, last year, I did junk removal. I did spark on the side whenever I wasn't working. Doing that. So. Shit. Okay, so you do a lot of. Okay, just. Yeah. Random things, which I hope works. Anything I can to. Random things. Yeah. There was a concern with you, Mr. Tyrone. One, that fake name. We did not assign it. Two, didn't realize it was you. I knew I was gonna be filming with this individual eventually. I was just hearing murmurs for a couple weeks. You were desperate and really trying. Trying and begging to do blackface on here. Yeah. What the f***? And no, we did not allow that. We, we, we. I have, like, almost no limits. But I would get called out for platforming someone doing blackface. Yeah, it's crazy. You have no limits and you wouldn't let me do blackface. Well, cause I would get called out. Could you imagine my sponsors seeing someone do blackface and me treating them like a normal person? Why the f*** did you want to come on here and do blackface? Uh, you're in St. Louis. I can guess what at least a large percentage of your. Right. Right. Right. Right. Pain population is? Uh. Well, it's gonna be anonymous, you know? Not really. So I figured. I mean, it's an anonymous name, but it's not like your face. I mean, dude, you got a f***ing battle wound. Yeah. We know. Yeah. People probably know who you are. That's not a normal thing we see. Yeah. What, did you do blackface, walk in the hood, and get a bullet in the f***ing lip? Uh, no. No, this is actually a cleft lip, cleft palate. Uh. But. So. My thought was. If we, you know, get to do white makeup, why not do blackface? Why not just do black makeup and make it a little bit more fun? Not afraid of any consequence. No. Mr. Popo is very disappointed. Here's the thing. I am thinking about things analytically. And I know that that's gonna get. Like you said, you know, you might get canceled from it, but think about all the. Yeah, you're not worth me getting canceled. Any publicity is good publicity, right? No. Oh. Well, I don't think so. Not when I lose all my sponsors and, uh. I mean, cancellation, like, no one really cares about people who cancel people anymore, so. Exactly. They probably wouldn't have much of an impact. Yes, that was my fault. But even still, I don't even. I think it would be reasonable, finally, for the first time almost ever, for sponsors to actually have an issue with that. Well. Because it's blackface. Yeah, I did talk to a buddy of mine after it got denied. Oh, yeah. He's a black guy. What did he say? I pitched it to him, and he was quiet for a minute, and he goes, yeah, that's racist. And I was like. He's not the best. What was your take on that, Shelby, when he was. begging us, begging us to do blackface on financial audit? To me, that's just. He doesn't give a f*** what anybody thinks. He doesn't give a f*** who says anything about him. And you like this? Yeah. It depends on what we're talking about. This particular thing, no. Facebook, for example, he likes to just. If it comes to mind, he's posting it. And I've had, I mean, family members contact me about it. Friends contact me about it. People are like, the shit he says on Facebook is absolutely wild. You need to calm him down. And I'm like, nobody calms the f*** down. He is who he is. He's going to say what he wants to say. What's he saying? Um. Off the top of my dome, I can't. I can think of one thing that her friend is still mad about, and I said it, what, two years ago, three years ago? I basically said, I don't understand how people without kids can be broke. And a lot of people got. People do accountability shit. I just, you know. I don't know. I mean, certainly there's ways. I mean, that's a conversation. It's not really like. It's like something racist or anti-Semitic or f***ing crazy. But you literally wanted to wear, like, an afro and gold chain. This was to mimic a black person. It wasn't just for hidden identity. Afro and chain. It was black. Whoa, I just said the afro. The chain just came with the wig. So, I wasn't really going to wear the chain. So, this is the kind of guy that knocks up a s***, isn't it? It is. It sure is. There you go. Because that's what happened, if I'm not mistaken. I mean, that's kind of what I just glanced over and read. You were out there showing titty, giving handjobs in the back for some extra little tippies. A little bit. Well, see? Knew it. Called it. Didn't actually know that, but assumed as much. And then he impregnated you. Then you stopped working. Then you got fat. And now he's still with you for some reason. I don't know why. So, what happened? What happened there? I think when we actually met, I wasn't actively dancing. I was in school. Dropped out of school. Every stripper's in school. We started, you know, right. We started hanging out and every stripper's probably a drop out of school. Most of them. Yeah, most of them. To me, it was more so of like a, we met and we fell in love and I started dancing again because he was just like, you can do whatever you want to do because I was. Yeah, I don't think that was taking place. So. I worked at a very high class club. You didn't do any extra little. They have cameras in the private rooms. Of course they do. You can't do anything. They all do. You didn't do one thing. I can name drop. -Can I name drop? -Yeah, of course. I don't care. Why would I care? I mean, just like the club. Sure. Larry Flint's all across the United States. They have cameras in those rooms. Okay. I'm not getting an acknowledgement of this chain. I don't know. You can be charged 100% if they find anything out. I'm getting a note from who I'm assuming is Brandon and not anyone else that he's absolutely been beat off in an ice cream club. So the thing is, I mean, come on. You're not going to be held legally liable at this point. This was so long ago. It's actually a limitation, all that bullshit. You've done something. I really haven't. Now, what I did do is I had a regular and we would go to a hotel. Ah. It was fun. He was like 62 years old. Nothing. Okay. Other than dancing. You didn't f**k? No, I didn't f**k. What? You think I'm going to f**k somebody for $700? $1,000? Not for $700. $2,000? $2,000? Maybe $2,000. No. Get out of town. No, absolutely not. I have sex with someone for $2,000. That's disgusting. That's disgusting. If they're hot. No, I don't care how hot they are. Same, huh? If a hot person came up to me and said, someone's going to pay me to, no, I'm just kidding. Yeah, exactly. F**k. No. What? No. If a hot woman came up to me and said, let me pay you. You better be buying me a yacht or a f**king house. You know, everybody likes to see a blimp. It's just so big, you can't miss it. Are you kidding? Who do you think you are? P**sy is p**sy, and good p**sy is good p**sy. Girl, your p**sy is basically falling off the a** to that chair. You can't even grow facial hair, so I don't want to hear it. Okay, the producers give you guys the one thing every time, huh? No, I don't even hear about it. I have eyeballs, so I can see. Okay. So, you're a s**t and weren't doing anything extra. Right. I believe it. I have no reason to not trust her, so. I mean, I was going to f**k her. You were going to blackface. You don't even know anything about it. You're just like, your world feels so broken. Your nose is falling off. Your face, like. I was coming home to him every night and f**king him, so, I mean, I think you would know. Yeah, I just. I mean, you can tell when a p**sy's been f**ked, right? That's true. Like, you can. That's Brandon, even though. Yeah, everyone's shaking their head no in the back. They've been with vaginas like most of us have. I don't think you have a special sensing penis. You can tell. You can smell it? You can tell? What is wrong with you? You're a p**h, you f**king freak. If you had sex with somebody and then came back within hours, you would be able to tell. That day, maybe. We have lived together forever. I thought you meant in general if someone ever has. Okay, no. I totally agree with that. Yeah, 100%. Okay, you lost me and you brought me back. Okay, fine. That would make sense. In the same evening, sure, I got you. I got you. Okay, so you knocked up a s**t. Well done. No one's ever done that before. Well done, not s**tting. You found a racist or something that makes money. I want to go back, honestly. Okay, but we don't want you to is the issue. I mean, why not? Especially if you go back and you save money. I mean, your standards, my standards, a little bit different. Well, I'm talking about the standards of those who are paying customers. A naked body doesn't bother me. It's passing that line. Okay, but certain naked bodies bother paying customers. Oh, no. Yeah, totally. That's why I'd have to get a mommy makeover first. You go to the gym? Yeah. Okay, I agree. Absolutely. So, when did you knock her up? How many kids we got? Four. Three. Three with her. Three together. I have a stepdaughter who's 13. Okay, so you have another kid. Yes. Dropping loads? Yep. Early 20s? Yep. Okay. 21. Another s**t? No. No. That was pre-s**t era. Age of the kids? 13. Nine. Three. One. Did he get it right? Yep. Oh, well done. Good father. I know something. How is he as a father? I would be afraid he's beating them. So, honestly. Oh, that's not a good look. Absolutely amazing. Okay, well, if the stripper thinks he's amazing. And the standards of being a father. And a husband. Like, he'll come home from working 12, 14-hour shifts, and he helps me with housework. He helps me put the kids to bed. He helps me give them baths. Like, anything that needs to be done I don't have to ask. That's so weird because I have a whole note from your pre-interview that you were complaining that he doesn't do enough around the house. So, what the f**k? How are you complaining about that in the pre-interview? And then you just sit here and you're like, boop, boop, boop, boop, boop. That's actually crazy. No. I was complaining that he comes home dogs on me that I don't do enough. You're right. You're right. You're right. That is true. I was going to say, that's f**king nuts. It was a reverse card. He was actually complaining that you, the stay-at-home, the stay-at-home mother, actually doesn't do anything and you criticized it about her housework because she doesn't do s**t. It's not anything. I just think more could be done. Like what? Dishes, laundry, everything. I mean, it's kind of fair if he's working 12 hours a day. Is that not fair? I'm like, install cameras in this b**ch. I literally don't sit down. We don't even own a couch because he's too cheap to buy me a couch. I should get a shirt that says, I don't sit down. Because I call bulls**t. That's all I say all day. I don't sit down. So, now that my son is on summer break, Open your phone. Oh, I'm going to love this. Yeah, me too. And she specifically told me, don't go through Snapchat. Also, hold on, hold on. At the beginning, which is fine. We live in a thousand square foot mobile home. Okay? So, let me, let that sink in. How long do you think it should take to clean that? I don't know. Okay, but you have six people who don't pick up after themselves. There's no structure in the home. Don't say six because I'm part of that six and I clean up after myself. You leave your clothes by the bed no matter what. Listen, I respect that. I respect everyone's no-no. So, I'm not going to do your no-no. But one of your no-no's was to not go through your Snapchat. I have to ask why. I mean, you can, honestly. No, no, no. That was your no. I don't want you to feel pressured now that you're on it. But it is a little weird. There's just, if you opened some messages, there's nudes saved that I didn't want you to see. With him? Yes. But not others? Right. Sure. Yeah. Why would there be others? I don't know. Yeah, it's a good question. Okay, so, occasionally, oh, you want it back? Yeah, it locked very quick. Yes, it does. It does that. Okay, well, I don't want to see your nudes for what it's worth. But I am genuinely curious about this topic. But again, okay, for what it's worth, I mean, you spend an average of, like, eight hours and ten minutes on your phone a day. You watch podcasts as you do dishes, as you fold laundry, as you do anything. Well, that's all, okay, what about Snapchat for ten hours? Well, is that a week? In a week, ten hours in a week. That's still a f***ing lot. Yeah, well, the week before was twelve hours. That's our primary, like, our primary. Oh, but I'm working fourteen hours a day. That is interesting. The one app you don't want me to go through. I talk to him on that app. And like I said, honestly, open it. There's just one conversation I wouldn't open. Facebook, you're listening to Facebook while you're doing dishes for nine hours? Holy s***. There's videos on Facebook. It's not just on YouTube. Cuuuuck. Shorts, shorts, shorts. I messaged this in three hours. You can bleep this out, you can bleep this out if you want. I don't want to bleep anything. When I get three reels sent to my messenger within, like, twenty minutes, I'm like, okay, here's three. How many did you watch before you sent me the three? It's funny, because he's working and he does the same thing to me all day long. Yeah, but at least he's making money. So, and then he gets home and you haven't done the tour, so it's f***ing over. I can't, I can't be a homemaker. Okay, fine, what about her on Safari for four, almost four hours a week? The hell, Safari, like a browser? It's a browser. I mean, that might be, I don't know. Exactly, and then she's on iMessage. She's probably buying s***. iMessage for almost four hours a week. So these are not podcasts while you're doing dishes. Hmm, not all of them. YouTube is where she watches podcasts. Which, that is her primary thing, of which I did not bring up. Mostly. Because I was like, okay, fine, maybe she's watching podcasts, and that's fine. But the thing is, but it's Facebook, Snapchat, Messages, Safari, constantly. I'm really not going to believe it, but seriously, Facebook, I mean, I get on it and I'll share it. You're right, I'm not going to believe it because it's not f***ing true. It is, it is, like I said, install cameras in this mother f***er. And install really good ones so you can zoom in on what I'm doing on my phone. Please, so I can stop listening to this bulls***. You standing up and not doing anything is still not doing anything, but you are standing up, that is true. I mean, I am doing something, though. So why aren't you accomplishing the basic things that the house needs? It's not even, the basic things that the house needs also started dwindling away. I mean, I appreciate this watch history, you're paying for my house. Yeah, you might want to download that Exxon Mobile Rewards Plus app. Yeah. I am. That's a lot. That's a whole lot. It is. I will. Loading. Exxon, trust the tiger. Bye. Bye. Bye. Bye. Bye. Bye. Bye. that I can just do dishes? Okay, so confirm she's not doing shit. Now listen, ladies and gentlemen. Ladies and gentlemen, if she gives consent, I'll go through the Snapchat and the post show. But we're not going to here. Oh, lots of messages from people. Some men. He asked, what are you comfortable with? Nudes in the bath, good. Full body, titties, ass, late. What? Yeah, what the f*** is that? She said, I know I said f*** knows about it, but he doesn't. LOL. Hi, you can save those pics, but can you delete them from chat just to be safe? Don't. You don't have to. You can read it right there. Crazy. I'd rather you don't read the whole conversation. Who is that, somebody else? It's not very much money. I go work 12, 13, 14 hours a day. What is this? But yeah, it's absolute bullshit. It's absolute bullshit. Can you check mine? I'm okay. I don't know how to do it. I'm curious. But the housework, I feel like, really didn't fall off until summer when my nine-year-old got out of school. And I'm taking them to, there's, you know, like a little rec center that we go to. Sure, and that's fine, but there is more time in the summer. Four days a week. So, we're going to the rec center, we're going to the pool, we're going to the park, water parks. I mean, this is a small thing. I'm not just at home doing dishes, scrubbing floors, doing laundry. No, and you don't have to necessarily. But the thing is, if that is his big complaint, and he is working 12 hours a day, he shouldn't be coming home and doing chores. I agree. Totally. You should do some stuff. Come on. I do. I mean, dishes is basic. Dishes is easy. I literally do. So, I don't know what the fuck he's talking about. I don't know what the fuck he's talking about. He's got me f***ed up. You do these things, but here's the thing. You'll do them, and then you wait two, three days. Do you know why I wait two or three days? No, I don't know why. Because I get drunk, and then I don't do it. Okay, well, that's, actually, yeah, that's actually true. That's not a good excuse. That's a problem. That is true. It was a problem, yeah. It was or is. It was. That is true. It was. She's seven days sober now. It's only been a week, but before that week, it was like a month. And before that month, it was like another month. Okay. What was a month? A month from December 14th to April 1st. No, I mean, Toad, this is court-ordered, not actually by choice. Yes, it is court-ordered. What? It's court-ordered? It is, yes. What do you mean? Oh, you really are a f***ing failure, weird freak. My bad. So what happened court-ordered? I got a DUI. Oh! Oh, good. Why not? Yeah. That's good for everyone else around you. Not my dose. Not my finest moments. Well, you've had two DUIs. Moments. Dose. Dose. Buddy, how do you not learn after the first one, you f***ing freak? I don't know. My dad went to prison for four years for DUIs, and I still didn't learn, so. Really? You are hitting every stereotype of s***ers. I know it. I know it is, isn't she? Yikes. Literally. Seeing you bread with that, that's curious. Buddy. Yeah, so who's got the bad judgment now? You. Yeah. Calling me the racist and whatever, and she had kids with me, and now the table's a turn. It's always been you. I've never had the bad judgment. No, I'm talking about, yeah, I know, but he was saying you did at the beginning because I don't know. I wanted to do blackface, but now we've come full circle. I mean, your judgment of the blackface was a bad judgment, but okay, so what were you doing when? What happened? Well, with the first one or the second one? When was the first? The first one was about five years ago. Okay, well, what? No. It was four years. Yeah. Well, now I'm four? Oh, true, true. Four. Okay. True. Oh, what a f***ing freak. It was four years ago. It was literally three. It was literally three days before my probation ended, but because I had already met all the probation requirements, they closed my probation out early. And then you went and got another one. And then I got another one. When was your other one? Your second one. Three days before her probation was over. When was that? Like five months ago. Six months ago? December, the middle of December. What happened? So with the first one, I know f***ing excuses, explanation, accountability, okay? Women? The first one, okay, my. Yeah, the accountability is f***ing. I was on the Marines for the first time and I was like, "Let's go out." Okay, that didn't mean you have to drive. You can go get drunk because your brother came on. That's exciting. Okay. I'm aware. I know. We live in the world of Uber. Well, okay, you're going to bash me on this, but I swear, if I try to get an Uber out to where I live, it's so rural, an Uber will not come out there. They will drop you off there. Oh, then don't go drink. But they won't come out there. I agree. You're f***ing. You're goddamn right. So the second one. But. But I didn't. I refused to blow. Oh. Which actually helped me. Pro tip? Life pro tip? Life pro tip, don't blow. Don't blow. I actually just don't even do the field sobriety test. Have I been drinking today? Are you sober right now? Yeah. The second one, I was at a bar drinking with my friends and then we left the bar and went back to her house to continue drinking and then I was like, "I have to go out." "I have to go home because f*** will be mad," even though he literally wouldn't be mad and he would have been less mad if I just stayed there. Yeah, let me tell you what's going to make her mad. The second one? Yeah, this is the second one. I'm being told you had to drive home to go breastfeed your kid. Yeah, so. I don't think you're supposed to be doing that while drunk, by the way. Bust out some knowledge on him. I'm going to be real with you. 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And when I say they, I'm talking about like doctors. They tell you now, if you can find the baby, you can feed the baby. I don't follow that rule, but I do like, like the alcohol, the amounts that it will seep in to your breast milk is like non-existent. So there's breast milk strips that you can get. You dip them in your breast milk and they tell you if there's alcohol present. So I bought a box of those. And as long as those were good to go, I was good to go. That's crazy. You're crazy. I mean. So would you blow that time? They say pump and dump is just for your comfort. Okay. Like you're just trying to release your engorged titties. And like I said, I didn't blow. And a lot of times they'll get a- The second one you didn't either? I didn't blow the second time either. Are you on probation again? Not yet, because the case- Oh my. Right now I am literally just- What is wrong with you? How drunk were you? Right now I'm out on bond on my own recognitance with this breathalyzer. How drunk were you? Way too drunk to be driving. Not drunk enough to black out, which is- Oh, great. That's good. That's good for me. That's good. That's good for an addict. But definitely too drunk to be behind the wheel. So why are you drinking, you dumb. At this point, I mean, even like I said, I'm seven days sober. Before that, I had to drink. I had quite some time. I was just like, I want to drink before I get this breathalyzer test. I'm not going to be able to drink again. So I want to drink one more time. There's two kids since the first one. Why are you having kids with that? Because it's not always, it wasn't always like this. No, but you've had two kids since the first one. Right. She wasn't always like this with the alcohol. But you've had two since the first one. The DUI. Yeah. Yeah, she didn't drink. She like stopped drinking after she got the DUI. How long? A long time. Yeah, a long time. A year, two years. A year, two years? Well, that doesn't add up for the one-year-old. Yeah. I would say after, I would say when he was about six months old, I started drinking again. And it ramped up. Why? Why did you start drinking again? I, honestly, it just started off as like a little weekend thing. And it ended as a stay-at-home mom bored in the bathtub at the end of the night. Why are you bored if you're things to clean? I didn't say bored. Oh, what the fuck? What the fuck? Mute your phone, you dumb cunt. I said it at the end of the night. Did you not listen to the instructions? If you got time to lean, you got time to clean, bitch. Damn right. That's true. Preach, brother. That's what I'm talking about. I'm trying. She's not listening. She don't listen to me either. It's crazy. One of your Snapchat payers or whatever giving you this money? Probably. Oh, great. Oh, well, fuck. I guess we'll learn about that in the post-show. Hammer elite. Okay. So, what's the. what's the financial situation of this house? What does it look like? What's going on? you guys what are we talking about today because what a mess you guys are to be clear yeah it's pretty rough this is uh well with the second dui we had the other one paid off um which was good and then she got this one and it's been since december we just found out like a month ago that she's actually going to go to court so then the lawyer fee was five thousand dollars for the second one um and for her to get the little blow majigi thing that she's got um we had to speed up the process so we had to pay the five thousand dollars like now which came from her grandparents because i don't have five thousand dollars she definitely doesn't have five thousand dollars um so how do the finances work in this house though what do you mean i make the money you make the money how does the spending the budgeting the communication how does it go uh budgeting is basically non-existent communication is my brain i check my my banking app to make sure i have cash that's that's my budgeting are you still with her is it the kids it has to be no because when she's good she's great yeah but she's on her second w yeah it's not good yeah like what the like why are you i would have walked okay so yeah i've told her if this continues because literally talking to them a month ago she was still drinking like i have a text message saying hey i just got home from working 13 hours she's drunk right now like i'm getting sick of this and i'm getting ready to like i'm done so i even told her i came home one day and she was drunk again and i for the first time in our entire relationship i was literally on the brink of like i've never wanted to physically hurt her but i was like this is ridiculous like you have to clarify well it's getting to that point it's getting to that to want to physically hurt yes absolutely i'm like i don't want to i don't i just like i don't know how to say this i was like but you're literally literally no you're making me like despise you yeah like well yeah that's fine but why does that get the violence no i'm just saying like it's on the like i wasn't actually going to do it but like i wanted like it's just what is it to take to get through your head to stop doing this do i have to beat the shit out of you you have three kids you have four kids you have you know a decent home life to stay home and take care of your kids like i don't understand what's so bad what's so wrong that you have to drown out every bit of existence with alcohol i don't get it i mean i agree with you but you are concerning me the things that you're saying are kind of concerning especially when you look like a school shooter who got lost on the way to school so still ended up making it to 34 without blasting one up bro i look fresh what are you talking about so it's concerning that you felt the desire to put your hands on her i mean but i didn't that's good for now so it's good until she takes another little swig here's the other thing too she's not when she gets drunk it's not a good time it's not pleasure it's not fun it's not like oh i take some alcohol and i we let's dance and have a good time and everything's fun and no she's an asshole she gets ignorant with me she's rude to the kids with you yes what's that like basically it seems like anything that she has bottled up or doesn't say then it just starts to come out and it's like to the extreme i don't know if that's ignorant no because it's mostly not true okay so she lies yeah she gaslights i hate to say that in 2026 but yeah it's a real thing it's like the thing i'm doing work at home like you pulled up the you're gaslighting me no you're not and then she'll say things like uh you just can't see all the things that i do well if i can't see it then is it happening what are we talking about here if you can't see me go to work see me pay the bills but i'm doing it i'll say things like you know you don't notice all the small things like for instance here's my thing don't do this don't do the baseboards when the sink is piled up when there's six loads of laundry don't do the baby why are you doing that it's all about cleaning with you guys it literally is well i'm very ocd yeah i'm very like i don't want husky and it's out of control he's and he i don't like that dog he hates my dog that's so weird to not like a dog i know dude he's hairy and it's gross gross yes it's disgusting dog hair is disgusting room but it's a thousand square feet why aren't you cleaning up the hair i do i'm vacuum and sweep like every single day every single day but you said like every single day is it every single day no it's not and that's my whole here's my whole thing too okay remember thousand square feet three bedrooms two baths okay if you do everything okay you get it in tip-top shape everything is looking great now what are we doing here four days a week because i'm usually off two days sometimes not if it rains or whatever i have to work an extra day maintenance we're doing maintenance how long should it take to maintain oh you want to go to the rec pucks you want to go to the pool you want to do this you want to do that it should take you an hour speed run through all the to-dos and then you go have fun with the kids for the next 11 hours a day while i'm gone i agree with you but the part that you are totally missing is like let's say i have the house clean and this happens all the time i go back to take a bath or something right and i come out of the bath and there's toys everywhere there's shit everywhere because you're on the computer because you're on the computer which you deserve to be on the computer you know like two hours a week you deserve to come home no you deserve to come home and be on the computer while i'm in the bathtub and like relax and do whatever the you want to do but at the same time i can do those things and also pick up as i'm going so like when i get out of the bathtub in the whole house that i just spent an hour or two hours cleaning is now messed up and you're like letting cook and i mean i'm sorry i'm having my bad no we know or it's the fact that you've already been drinking and then you're in the bathroom and you're in the bathtub and it's like oh it's me bath time i'm gonna drink some more that does happen but especially since december it hasn't been happening as much bullshit since december we're in june okay i can pull up pictures hey i can pull up pictures right now on my phone where there's like eight smearing off ice cans hidden in like a bag in the trash can you open the medicine cabinet there's three shooters and a fucking that was in april that was it's december after december that's what i said from december to april 1st i know when i stopped drinking because i know when i stopped you didn't stop drinking though until seven days ago you would have one day you would have one day to april 1st i literally did not drink at all that entire time okay well here's not one time here's the drink before my friend's birthday and then all of a sudden i drank every day for like three weeks i know when i drank and i know what i drank and i know i do have bad short-term memory so i can't confirm nor deny what she's saying no but i feel like i feel like she's gaslighting no because an addict knows the days that they stopped an addict also flies an addict also lies to do their drug of choice come on i grew up around addicts my entire life that's also why i have no i have no sympathy for this i have no time for this because that's not how i live my life i don't drink i don't smoke i don't do any of those things so my future is not revolving around any of that which i understand i'm so confused because again whenever the things are good like she's a great mom yeah but it sounds like it's not been good for her she's a great homekeeper she's actually very intelligent when it comes like to book smarts and things like that she knows what she's doing um okay for you okay no not for me in general generally speaking above average intelligence what's the last book you read what was the name of that book right want to know a secret by frida mcfadden is the one i'm on she reads books all the time um i haven't read a book probably since high school that's why i'm blanking on the name of the last one i read it was so good too but things haven't been good for a long time so that's why i'm confused why you're still here now uh maybe it's the it's the kids no it's the reminiscing on the times where things were good also like wanting to build a future there's things that i want to do that involve her goals that i have ambitions that i have that she is a part of that i also need her to accomplish have you wanted to leave oh yeah definitely why you he's the one doing shit yeah you're just you know how he said it always hasn't been like that it always hasn't been like that um the other thing that we have had fights about or just like where i'm coming from even far before i started drinking was like his when we got together like he said like reminiscing on how you know that that amazing phase in the beginning when everything is perfect um i would say yeah yeah you might want to download that exxon mobile rewards plus app yeah are you the exxon tiger i am yeah you know new users can earn ten dollars and points five bucks after your first purchase and five after your second that's a lot that's a whole lot it is well hey you get on that download buddy i will loading download the exxon mobile rewards plus app and join today exxon trust the tiger for details visit exxon offer.com showing as much emotion and like the romance and stuff like that and i know that's a normal thing i know it happens but it wasn't something that i foresaw happening with us so it's something that like i've been bringing up for a long time and it definitely has gotten a lot better um but there were definitely points i mean i would say around like 2019 2018 and i remember these years specifically because they were that bad i mean there was like complete disconnect from us and we hardly talked um i was telling him the other day like the first time you told me that i'm beautiful without being prompted to was the day that you proposed to me three days three years ago okay you know what you didn't get called beautiful oh that's a bummer you're a drunk at home who doesn't do shit while he if i was i think you're worse maybe maybe i'd be better oh it's your fault she drinks you don't call her beautiful enough what the is wrong with you have some kind of personal responsibility you're joking but no i think she seriously does no i do not what happened hey you have to blow into a breathalyzer right yeah what happens when that court order's done it's happened before like 30 times and you're complaining how he hasn't said he doesn't say i love you as much like yes that sucks but the scale of issues on both ends yours is up here compared to him not saying the thing is it started way before the drinking like i said so yeah that's a that's a thing for me that's a deal breaker for me if you can't show me intimacy and love outside of sex then that's a problem then why are you there it's not even because we've talked about it we've worked through it so it's gotten better well there you go so what are you complaining about complaining about i've been sober for seven days that's a that's a win court ordered and checked via breathalyzer yeah is it okay here's go to the gas station to get a drink if i want and even if i did drink like let's say i could i drink right now and i blew dirty in my little device thing the only punishment would just be blowing in it more times throughout the day that would be my first punishment so you don't give a i do that's why i'm taking it seriously that's why i haven't had a drink but it wouldn't you know i wouldn't immediately go to jail okay here's the thing the first time every time she's been pregnant she just stops there's no drinking there's no doing anything so here's my thing if you have that willpower to do that why and like she just said oh i thought my only consequence if i drink is i just have to blow into this thing more okay so i just followed the order because it's the order but if i wanted to blow into this thing break it i could obviously you can follow it so why whenever there's no restriction there's nothing stopping you then it's a problem but if there's something that's telling you you can't do it then all of a sudden oh i gotta follow the rules it's no big deal we could do it no matter whether it's nine months or it's two years i don't understand plain and simple just being lazy and i didn't want to i didn't want to stop um do you believe she hasn't even had a sip in the every four hours or less that thing goes off and she has to blow into it whether it's two o'clock in the morning whatever 10 i think it's 10 2 6 12 around the clock so there's like no point where she can and has like a camera on it so she can't have like one of the kids blow into it like so i know that she's doing it it's actually never been um it's 100 tamper proof it's no no one has ever successfully tampered with a scram blowing device however they have a breathalyzer they have tampered with the ankle muscle and they have tampered with the ankle muscle and they have tampered with the that you wear that can detect alcohol you have one no i don't i got out of that you'll probably get back on it no i've never had one ankle monitor no i might this time i've never had one the reason that i have the breathalyzer is in place of the monitor because it's summer and i wanted to take my kids swimming and you can't submerge that thing so this is still you know it puts a strain on the whole family it's well yeah because you're a horrible mother i and the only way you're going to see them is if you have this vice so that's actually what it's mostly used for is like custody battles okay so yeah you're a piece of shit but i'm being told not on my good days shut the up but i'm being told on your end tyrone that you consider yourself robin hood i don't see how cutting grass is in robin hood what is this problem hood you steal from still steal from who to give to who what the f**k are you talking about um so i mean we'd have to get into some of the debt related stuff on that end um he steals from companies slash the government and gives back to himself what does that even mean uh i don't steal from the government i fall i'll follow all um legalities involved with any kind of application processes or requirements for assistance first of all you pay your taxes uh about that okay well taxes that would be it it's been like four years three wrong with you three three wrong with you okay you want a house yes i hope they take it no they won't they could they could but they won't i hope they will they won't why do you know uh just because i know nope yeah yeah see i think you like operate out of uh like a you know carrot and stick mentality you're more afraid of the stick and the irs and the the guys with the guns your favorite say i i just don't i don't care you don't care i take your house they're not going to take my they might take no they won't if the police do come he told us i ain't going down without a fight so when i first started this you know the taxes got complicated quickly um i thought i paid enough for my first year doing youtube i didn't found out a couple years later did you yeah so letter in the note you filed though yes yeah see you're on the radar problem number one well i think you're on the radar now problem number two yeah i don't think tyrone is going to be on the radar yeah yeah tyrone yeah so not even no this year this year i will have to file well there you go so you'll be on the radar yeah i've never made enough to where like i would have pain for bills last few years then uh i mean i was working but you never made enough to pay taxes that doesn't make sense well so when i'm we used to mow i would mow for cash like it wouldn't be i would work for someone else but it wouldn't for cash you certainly didn't claim or they would 1099 me and i just wouldn't claim are you getting government benefits uh she does i guess you guys aren't married what benefits are you getting bingo um i get food stamps and medic for all the kids uh mind you six feet your household six figures no because that is only you average up to eleven thousand eight hundred dollars no i do not during this is the first year that i've ever made that and this just started in april oh then you can't tell me it averages that i have a consistent client list so yes it does um yeah for a couple months you have a consistent exactly so no i've been building this client list over the last three or four years you don't just start a business and have okay then it didn't go from zero to eleven so you've been making decent money for a while yes so mind you nearly six figures for a while in the house what are you talking about if it's a consistent scientist you should have been near that six figures for a while because you're well over it today last year okay so i would have to rent equipment from my old boss on the weekends to do the few yards that i had so close to making six figures or anything like that okay um i was going to i mean it was a whole another rabbit hole but i was going to purchase his company from him uh two years ago okay well regardless of all that let's just pretend you weren't well you are now uh-huh and that is disgusting if that maintains through next year yeah but it won't be six figures still what because we only can i can only mow average of 29 weeks a year that's the mowing season and then once that falls off i don't i mean so what do i actually put as your average then i told you it would probably be i mean whenever i get side jobs i probably still make four to six thousand dollars a month extra on no no no like we're on off season so what is the monthly average i should put ish what's 29 week 29 divided by 4 12 6 24 i mean it's hard to say because the the probably 70,000 a year maybe a little okay then why the uh i think the dependence is the big thing i don't know what yes with uh who's claiming them yeah i have three dependents you claim them with the zero income because she works for my company what yeah i work for his company why didn't you tell me that when i said what are you doing for a living how am i supposed to go off of information i don't have she's a stay-at-home mom but she works for my company yeah for tax purposes and what do you make 25 is this an additional to your 70 a year no no what the are we doing guys just end the federal government and all benefits this shit's crazy i'm so done this show has turned me into the most pessimistic mother i used to be so pro benefits even two years ago and now it's just like every single one of you mother this is crazy yeah so here's the thing too uh tax tax code your children if they're of a certain age they're not going to be able to get a job they're not going to age can work for your company. Oh my. You pay them up to $15,000 a year. So you can go ahead and add 15 plus 15 to that as well as deductible. When's that? I mean, my son's nine. He helps me cut grass. Why is a kid that young working so slowly? Do you even care about your family? Cause you're playing Russian roulette with their future. You're spending $5 a day on BS energy drinks and churros. That is two grand a year to put one foot in the grave. Although your family has zero protection. If something happens to you, make it make sense, bro. If you want to actually enjoy those sweet summer moments without sweating your family's future, you need policy genius. It's a free online marketplace where you can compare quotes from America's top insurers side by side. No guesswork. You can find 20 year policies starting at just $276 a year for a million dollars in coverage. Your BS energy drink budget covers that five times over head to head. That's policygenius.com slash Caleb right now to compare quotes from top companies and see how much you could save. That is policygenius.com slash Caleb, stop being a liability to your family and start being a provider. You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they 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. That's why I like Dollar Wise, built by these people just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com, link in the description below. My daughter's 13, she helps me cut grass. My two youngest kids, they can be, you know, models for advertising. - Oh, brother, you think this will survive an audit if you get audited? - Yeah, 100%. It's a tax code. - We've ran it past the CPA. - Up to $15,000 a year per child, which is tax-free for them and tax-deductible for me. - You've ran this past the CPA? - Yes. - Okay. - Yeah. - I'm not 100% sure. - Fact-checking. - He's not the fact-check guy. - Lenzo, pull it up. - Yes, Lenzo. Okay, I don't know, we can look at it later. But I'm very glad. - Sitting here, theoretically, what you could do is if you pay your children that money, I mean, you obviously have to make a certain income here, but what they do with their money doesn't matter. So theoretically, they could pay bills for you. - And yet you're getting the child tax credit still, so I'm funding that. You're welcome. - Yes, thank you. - And you're filing taxes and you get food stamps on top of that, plus Medicaid. - Yes, 100%. - Oh, I hate everything that is the way we have set this up. Yeah. - Yeah, we're the problem. - We're a dependent state now. - The entire $200 billion yearly SNAP budget is the problem, but not the hundreds and hundreds and hundreds of billions of subsidies that go to corporations. But yes, the little guys. - Well, subsidies isn't money going to them, typically. Subsidies is usually, usually it's tax benefits. So it's money they're not giving. Food stamps is still money going out. So it is different. You can't compare them one to one. It's not one to one. - Well, then you just made the one to one example. - No. - And you know those subsidies are usually set up in place for them to build like a campus, so they employ more people. - Which is fine to a certain degree, yes. - It still puts more money in the system 'cause they bring in more employees. They have to pay payroll taxes on that on both ends. So what are you talking about? - Okay, let's use oil and gas. Let's use oil and gas for an example. How much revenue did they generate and how much of that revenue was profit? You're telling me that they deserve a $700 billion deduction or subsidy, or whatever you want to call it, to grow their business. When you make that much money, you can't fund your own business advancement? - I don't know about necessarily deserve, but I would still rather have money go to something that does create jobs, which actually provides a benefit. - I mean, the SNAP program can only buy food. - Then people who literally do nothing sit on their ass and just get. - SNAP can only buy food. - She also gets Medicaid and she gets the child tax credits. - Oh, no. - Child tax credits too. Literally just the money in her pocket. - How many countries pay for people to have food? - How many people pay for people to have children? What's the population decline in all these other countries? - It doesn't matter. That has never once helped. Anytime benefits have been provided for having kids, it has never improved the situation. It happened for a year in Hungary, and then it fell back down. So that's not even actually benefiting the overall issue. It's a populist policy. It's populism, and populism isn't necessarily good. It just gets votes. - Yeah, it's not a bad one. - Huh? - It's not a bad one. - Not a bad one for you guys. You guys are takers, not givers. - Oh, objective. - Even if we were to get married, - So do I agree with every tax credit? - Objectively. - No, but I would still rather, if I have to choose between someone who literally does nothing and just gets shit, versus creating jobs that at least help communities, I will choose that. - Oh, crazy. - That doesn't mean I'm like super pro-subsidy. - I have a job that helps communities, right? - You haven't filed your taxes. - You have a will this year. - You only employ yourself. - I will this year, and guess what I'll pay? Zero dollars. - Why? - I just explained to you how I'll do it. - So you're okay with the tax subsidies? - Exactly. - Okay. So you're okay with the tax-- - Yeah, here's my point though. Okay, I'm at this level of the socioeconomic ladder, right? I'm down here. - Average middle class, yeah. - Whether I make, yeah, whatever it is. I'm going to play the benefits that are down here, the loopholes that exist, I'm going to use them. - Then why complain about that for others? - Once my ladder goes up, I'm using it as an example that I'm just doing the same thing, but I'm doing it from down here. Oh, I hate the poor people because they're abusing the system. Oh, but I don't hate the rich people who are abusing the system. You see what I'm saying? - I didn't say that. I said, if I have to choose one to one, I just said I'm against both. But if I have, if you're making the one to one example, I'm choosing the one that at least creates jobs. I wasn't defending either. - Okay. - But I would still rather do something that contributes to the overall system versus you that just mooches. - I mean, well, the thing is too, I plugged all the numbers into ChatGPT, what he makes monthly or whatever, you know. - Stripper use ChatGPT, ladies and gentlemen. - Yeah, there you go. And even if we were to get married, the food stamps and the Medicaid would remain about the same because of the office. Off season, where he doesn't make much money for a six person household. - So because he went into a business that isn't actually successful, we should fund you? - Yeah, thank you so much. I appreciate it. - That's interesting. Usually you're just like-- - It's not that it's not successful, it's starting your own business. - You should have to go get another job. - Starting your own business always takes time in the first two years. - It does, but you're taking on that risk yourself. - Yeah. - Which we did. And this is, now this year is going good. So this year we're gonna pay taxes. - Why should we as a society fund your risk? Isn't that on you? - You're not funding my risk though. We kind of are by putting food on the table and making sure they're taken, seen. - No. - And plus the child tax credit, so there's just literally money in your pocket. So yes, we actually are. - You're funding her. - But even if you went jointly, like she said, thanks to ChatGPT, your benefits would stay the same even with your business, 'cause the off season-- - Okay, so if I didn't have my own company and I went and worked for some minimum wage job, because that's, let's say, that's all that I could qualify for, nothing changes. - Well, that's at least you choosing to get a job, but you choosing to do, to do your business that isn't successful is us essentially subsidizing that. It is a little different in the end, because here's the reality. In capitalism, which is great-- - Yeah, but I don't sit on the off season. I don't do nothing. On the off season, I don't do nothing. I get a job. - In capitalism, the excitement is, if you start a business and you're wildly successful, I want you to reap the rewards. But if you start the business and you fail, that's also on you. That's the risk of it. That's why we celebrate your reward and success, because you did the sacrifice where you-- - Yeah, I might want to download that Exxon Mobile Rewards Plus app. - Yeah. - Are you the Exxon Tiger? - I am. That's a lot. That's a whole lot. - It is. - Well, hey, you get on that download, buddy. - I will. - Loading. - For details, visit exxonoffer.com. - May have lost everything. Why should we then actually say, "You know what, if you lose everything, no worries. "We'll just fund you." That makes no sense. Go get a job like everyone else. - I do, when I'm not working. - Sometimes, yeah, when you're not working. So, which brings you to the 70,000 hours a year, right? - Yeah. - Okay, so you're close to the median household income. I'm sure St. Louis is a little lower. - Okay, let's talk about median household income. How many millionaires and billionaires are in the United States? Do you think that skews the median household income? - Well, that's why median's there. It skews the average much more aggressively. That's why we use median. - Right. - Yeah, so median's better way to get the-- - Yeah, but I feel like there's a lot more people who aren't making the median household income than that's what's listed. - What do you think just median is? Median's to get the median. - Yeah, I understand. It's a mean median mode, yeah, I get it. - We would rather do that than the average, though. So, at least we have something to work with here, buddy. - Yeah, but I think those numbers are skewed. I know a lot more people who are making way less than $70,000. - Well, I'm glad in your life, but I'm just gonna go off of analytics. - Okay. - But I'm glad you use anecdotal examples. - Yeah. I'm just saying the data is skewed. - And guess what? I know some. - I know fat too. I guess every fat. - Back at you, bud. - I'm not a. - You could be, a fat. - Oh, I'm just a millionaire and billionaire. - That's cool. Yeah, it's actually awesome. I wish I paid $4 million in taxes. That would be sick. - Yeah, it went right to you. - Yeah, it's awesome. - Thank you. - You know why? 'Cause that means you're making a lot of money. - It is. - So I would be glad to pay $4 million in taxes. - Oh, trust me. No, no, no, I'm very blessed to be in my position. I'm not complaining about that. I would just rather it actually benefits society and not have people that can just mooch. - But it does benefit society. Healthcare and SNAP benefits society overall. - Potentially, I would want people who actually need it. Yes. - I say statistically. Statistically, there's more people that don't probably, you know, like her just sitting at home. I would say statistically speaking, it's an overall net benefit to society. Yeah, there are some bad eggs. - That she's sitting at homes? - What do you mean? You're saying, yeah, she doesn't do anything. She's getting government subsidies, right? - Yeah, that's not good. - Yeah, that's not the statistic though. I would say more than likely, the average person who's on the, benefits isn't doing that. - Yeah, which is why I don't want to take it to zero. - Right. - But I think it's also okay. - You're saying it's not a net benefit to society. It is overall. - I didn't say that. - Yes, you did. - No, no, no. I say, well, to clarify my response then, if I accidentally insinuated that, I would rather make sure we're at least auditing the systems properly to make sure people like her are not qualified. - Oh, 100%. - So I think that's fair, including the Pentagon. Don't get me wrong, it hasn't passed an audit. I'm with you, buddy. If money's wasteful, I don't want to. I've always said I'm willing to spend more on it. I'm willing to spend more on taxes if we make sure we're actually benefiting society more, and if we're actually auditing our system. So I'm not against you on that. Yes. - I agree. - Okay, but I don't think anyone likes writing a check for $4 million. that could go to a lot of things that I would like to do in life. But instead, it is going to things that we literally cannot audit or pass an audit of. Yeah. So I don't think I am required to be happy about that. I mean, you could, you know, I'm sure you do it already. Reduce your taxable, you know, income and reinvesting in your company or other things of that meaning. I mean, I employ people, but even still. Yeah, but that's, I mean, reducing tax income. Like if I employ someone just to reduce tax income, I would still rather pay that 40% on that $75,000 than literally get zero from it. So that's not just how it works, buddy. Yeah. You're thinking of like a massive C-corp that does a lot of funky shit to use the tax code. I mean, I still need pocket or money in my pocket at the end of the day. Right. So we don't do that shit. That's not what most small businesses do. And we're a small business. So no. Yeah, that's what I'm going to do for this year and probably next year. You have up to five years to operate at a loss before the tax or the IRS, labels you as a hobby and not a business. And you're filing quarterlies next year? Maybe. I don't know. I'll have to talk to a CPA. You'll be wanting to file quarterlies next year. Yeah. Well, this year I know I'll be able to write off the truck that I got. I'll accelerate depreciation on that. The interest on my other truck that I pay, I'm not complaining about any of that. But the reality is, I don't know, if you're trying to make a big point about like, I should be happy about writing the check when we can't pass audits. And there's people like her and many others on this show. Listen, I'm good with the child tax credit, I guess it's a populist policy. I'd love to have, if it actually increased the birth rate. It doesn't. It never has in any other history. South Korea has massive benefits. It's still falling. So, you know, it doesn't really work. The reality is, I mean, yeah, sure. It'd be great to be like a single household income and you guys can be in St. Louis off of 70. So I don't think we need to do extra support for you guys. Probably could. Probably could. But, you know, you're just going to claim that your income is zero. So then we're, we're going to give everything. So, yippee, our system has no flaws and it's perfect. And I guess more people like me just should be forced to write checks and you'll celebrate, I guess. I mean, that's why we're here. I'll be, no, I'll be, my goal is to be a part of that person who writes those checks. I know, but aren't you, wouldn't you also rather instead of that and just, roo, roo, let's take money, like figure out, hey, what's the actual issues with where money is going first. And then once we get that settled, okay, let's decide if we need more taxes. If we can do less or if we should stay the same. Yeah, that's exactly why we're here and not filming a retirement planning documentary. That's why we're here for, that's why we're here and not planning a documentary for retirement or something else that we don't know anything about because we are not doing good with our taxes. We're not doing good with our finances. We're not doing good with budgeting. What the f**k is she saying? I don't know. I think she's saying, we haven't filed taxes and we haven't made a budget is why we're here. I don't, I don't know. Yeah, that's the whole reason you wanted me to come on the show, you said, for financial advice. Financial audit. Okay, well then, why are the pieces not clicking? I'm seeing, yeah. Piece is not clicking. I'm talking about, I'm talking about him being upset that I'm not excited for writing a check. No, I get what you're saying from the perspective of like, What fumes were in that club? I don't know. Fixing the system. Yeah, but I mean, the system exists as it exists. I would be okay because again, like I said, statistically speaking, we're probably not the average situation. So me writing a check towards the current system we have, yeah, would it suck at the end of the day? Sure, but as long as I'm making plenty of money to provide for my family, I don't care because I grew up in obscure poverty, like poverty, poverty. I don't give a f**k. That doesn't mean you could just do whatever and have any opinion forever. Well, I grew up with foreclosure notices. They've all heard it. Oh no, foreclosure notices. Exactly. Is that the worst part about your childhood? I hear you say that all the time. Is that the worst part? But it's an example of why I care about finances. I moved like, I don't know, five, six houses. I remember my mom like OD'ing and she was asleep for like four days when I was like nine years old because she took like 40 Xanax. Are we having a competition? I'm just saying I don't care. Just like I don't care about mine either. Yeah, but the thing is like the mindset that you have is because you grew up in a certain situation. You grew up in a certain scenario, right? When I say I grew up in poverty, poverty. Okay, so your mom OD'd so you're going to take your taxes to zero? Because I grew up in a different economic probably system than you did. The people that I surrounded myself with, that is how they operate and how they live life. So the things that I do, even at this age, are kind of based on the mindset that the people around me had. Okay, everyone lives life based on their personal experience. Yes, we all know. What point are you trying? That meant nothing. You have to unlearn things that you have learned and been surrounded with your entire childhood. Yeah, unlearn that. No, just being on assistance. Yeah, don't do drugs. Being on assistance. I'm glad you learned that. That's where he was going with that. Dare. Yeah. Okay. Nancy Reagan. It worked, I guess. No, I just think that you have this like mentality of like, I did this something so it's like you can do it too in the same exact way I did or everybody has a different mentality. I've always said personal finance is called personal finance because it's personal. But I know that if I can do it, other people can do it. Not necessarily the same way, but budgeting is still budgeting. The numbers work the same way. Money in, money out. Yeah, but we're talking about personal philosophies here of why I do some of the things that I do, right? What am I criticizing? It's just not, the mindset thing of. What mindset? I don't know. Exactly. You're being defensive about nothing. I was responding to you saying I should be happy that I'm writing a check. I'm happy I'm in a position where I get the right to check, but I'm not happy about losing money that could go towards life goals that I have, especially when the system is flawed. And I guess you're a fascist if you consider that there might be some fraud happening in this country. There's a whole lot of fraud. Exactly. So what the f*** was your point? That was pathetic and weird. What do you think your guys' financial score is? Zero to ten. Zero being the worst, ten being the best. One. I haven't seen the show, so. But I heard you're super smart. I just described what the score would be. I think I'm just gonna go with what he said and say a one. It could be a two. A one. Or maybe a zero. Are we even on the chart? Oh, trailblazer you are. Going against the grain. Okay, well, if you want to figure out what your Hammer financial score is, take that assessment for free. It just takes a few minutes at calebhammer.com. You can see where you stand, where you do your work, where you're doing poorly, where you're doing great. And if you don't want to end up like guests on this show, besides not coming from households where your parents overdose, also just use the budgeting app and you will figure out where your money is going. Something you guys definitely need. So check out DollarWise. You get a free trial. DollarWise.com. Link in the description below. Or just download the app. Check it out. See if it works for you like tens of thousands of monthly active users do. Sign up for the annual version because it saves almost 50% and you get the physical version of my 30-day meal plan signed by me, mailed directly to you and the digital version of our cookbook. Here you guys go. I don't know if it. And where was that? St. Louis. They got grocery stores, but I think you guys can use that. Should be good. Okay. Thank you. And I am sorry. Again, I mean, I'm making light because I didn't really understand the point you're making, but I mean, I'm sorry for the place you came from. No, I think. And I'm sorry that you went. Like, it's horrible that your parents went through overdoses. That's really sad and it's really tragic and I'm sorry. I still didn't really understand the point you were making. That's what you're trying to make and that's why I'm kind of making light of it, but that is tragic. No, I think it was. And I'm glad you're not replicating that experience for your kids. That's important. I think the whole. Just the point that I was making was like, if I could be in a position to where I could write, you know, that big check to the IRS, yeah, it would suck, but it's like, from where I came from, that's like the least of my worries. You know what I'm saying? That's the least of my worries too. Okay. That's all I was trying to say. Doesn't mean I'm happy to do it. Yeah, I mean. So I don't. Okay. I don't think anyone's like, oh no, I made lots of money. That's really sad. Okay, Chime. So check an account first. That's interesting. We do like chimechime.com forward slash Caleb get $200 for signing up. It's free. No reason not to. Did you guys get that $200? No. You signed up before or without my link? I just found you like two months ago. Oh, my friend, my friend. I haven't signed up. You could have got $200. There you go. Get $200, lady. Link below. Wow, this is a lot of. Okay. Thanks more for your money. What are we doing in here? Who's Chime? Fine. Okay, what are you doing here? What's going on with this? What am I looking at? You're stopping in gas stations to get into bullshit. Yeah, but. What are you doing? Bangs. What? Oh, the energy drink? Yes, sir. Bang, bang, bang, bang. I don't mean to do a plug too close to another one, but okay. Energy drink. Here you go. You're making this a home. Hey, girl. You know, you guys should be on a budget, so I'm just going to let you know what this is so you can force them to do it at home. It is a powder. It turns into the most delicious. It's the freshest substance you could ever imagine. It's called Gamer Subs. It's an energy drink. You make it at home with my discount code 10% off Caleb. You get it for 40 cents a serving. So like you make your coffee at home instead of going to nasty-ass Starbucks anyway, make it. I guarantee it's better than Bang. We put Bang in our blind taste test. This beat it by far. It wasn't even close to it, right? What flavor were you banging? What flavor were we banging? Remember? It was a white can. That already sounds like trash. Well, either way, that's better. I promise you. Purple Haze slaps, bro. Peach mango? Peach mango? Dragon fruit punch? That's what you gave me. Here, that one's fruit punch. Oh, yeah. I tried to get the sample pack like two months ago when I found you and they were out. Oh, okay. Well, you can get those sample packs. Figure out what flavor you like. Okay. And then, Gary, so you're going to the guest station getting a lot of bullshit. The direct deposit lease fund. Some of those. $136. What's that? What is it? $136 coal. Qualify. Yeah, what's that? Washing dryer. Were we renting? No, it was. What? Four months? Same as cash? Yeah. Because it hit just a couple days after that. That's because I went. She. Okay, it's. Set up through her account. I wasn't paying attention. She was supposed to be paying it. She wasn't paying it. So then I went online and paid it. And then I submitted the payment and it didn't show that it cleared. So then I did another payment. And I went back and I was like, oh, okay. So I just double paid on it. Gotcha. Snapchat. Pay for sound. I thought she was the Snapchat weirdo. No, I was restoring a streak with my daughter. Okay. The 13-year-old? Yeah. Yeah. Okay. Ben went out with money. A lot of money. Amazon. Amazon Prime Video. Amazon. Pull up to Amazon. Spotify. After pay. Amazon. Walmart. Yeah, but the Walmart was $54. It's hard to know if that's groceries or bullshit from Walmart. I hope so. Sonic Drive. And that certainly ain't groceries. I'll tell you that. Zip. Three installments. Just three installments. Zip. And what are you zipping, Zip? That was my daughter's tennis. She started tennis this year. So I got her racket shoes. And you're zipping it? Yeah, but. You make money. I know. I know. I'm at the point now where I'm making money. So I have like the opposite side of the spectrum. Like I look at my account. I'm like, oh, I don't want to spend the money. So then I'm like, oh, paying for. I'm like turning into like the Jew. Because it's like, I don't want to see my account fall below a certain level. Are you a Jew for not wanting to lose money? Yeah. See, well, I didn't. I don't use the paying for's anymore. Because I didn't realize like the 30 per whatever interest rate they charge. But when you do $200, like 30%. Oh, it's an extra 10 bucks or whatever over a month. I don't understand how that's being Jewish. Wanting to have money in your checking account. Come on. Do I really need to explain the stereotype? I do, but just having money. Jewish people are good with money, right. Yeah, but just having money isn't Jewish. I know, but. I would say having a lot of money. Well, for me, it's a lot of money. Yeah. Wow. It's more money than I'm used to having. For you, not for the Jew. Exactly. Okay. Well. Venmo-ing out money. Prime video. Subs. Amazon. Amazon. Groupon. Now that's Jewish. Hell yeah. I remember what I did on there. Venmo-ing out money. Yeah, I drank a lot of caffeine. Where were we Venmo-ing hundreds of dollars to? Probably labor. Oh, I thought you said there is no one. My kids help me. So your kids. And then my niece also helps me sometimes. And then every once in a while, if I'm packed up, I'll hire somebody. What about when your kids are in school? I'll just do it by myself. Yeah, I'll just do it by myself. Okay. Venmo, Venmo, Amazon. Pull up your Amazon. She should do that. She's the one who's in Amazon. Lady. Now. Amazon. More zip. You zipped. Amazon. Amazon. Amazon. Amazon. The same zip. Venmo. Amazon. Amazon. Amazon. A lot of shit, by the way. This is a crazy statement. Facebook. You're paying Facebook. You paid Facebook. I was. Amazon. Amazon. Verified badge or whatever. Oh, what the fuck? What do you need to be verified? I'm monetized on Facebook. Oh, for your business maybe? Business. You're monetized? What are you monetized on? Making a whole lot of 15 bucks a month. Doing what? Just making reels. Content. What reels? Blackface reels? Lawn care. Opinionated pieces. Opinionated pieces. What's your most radical opinion? Government sucks. Left wing, right wing sucks. Probably the biggest one that I'm on now is- Government sucks, but he wants- Yeah. He's going to be happy when he gives millions of taxes to it. Okay. It's an interesting philosophy. I don't think that's a radical position. No one really likes politics. No, you'd be surprised how many people are either on one side or the other. Well, certainly, but whatever. Okay. That's not a fun radical. You don't have a fun radical position for me? No, not really. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. 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You can check for free and see if you can save a shit ton of money on auto insurance. And then to close it off, for now, because we're building more, we have a debt relief program. You've seen how hard it is for people to get out of debt on this show. This makes it so much easier, but only if you're actually ready to change. Yeah, I might want to download that Exxon Mobile Rewards Plus app. Yeah. I am. Yeah, you know, new users can earn $10 in points, $5 after your first purchase and $5 after your second. That's a lot. That's a whole lot. It is. I will. Loading. Exxon. Trust the Tiger. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can do it, then you can do it. If you can budget, check out these three programs from personal loans to debt relief to car insurance to see if you can save a shit ton of money across the board. Go to calebhammer.com or the Caleb Hammer Financial Resources part of the pinned comment or description below and save a shit ton of money. I mean, personal accountability is like usually my main thing. Says the man who's going to show up in blackface. Work hard. You know, like you said, there's no excuse. I grew up in whatever. You know, if I could do it, you could do it too. That type of shit. I thought you were about to talk about the Jews a few minutes ago. No. I can't. Scared? I can't. Scared of that? Yeah. Scared of them? Not a good look. But you were going to show up in blackface. We had to tell you no. Yeah, that should tell you something. That's the first time I've ever heard him say that's not a good look and actually cared about something. Yeah, why are you pussified on camera, pussy? No, the Jew topic is a little more, you know, controversial probably than blackface. Yes, I'm asking for your controversial take. I'd like to know where you stand in this world. AIPAC sucks. BB's a terrible person, terrible leader. That's it. Zionism is bad. Question on Zionism. What's Zionism? The Christians who support and believe that Israel is the holy land and we must protect them at all costs. Okay, if I'm not mistaken, I think the original version of Zionism, like the definition, is just that there should be a Jewish state. That's probably fine. Okay, so like classically. There's nothing wrong with like Israel as, you know, a place. But I don't think that's how that word's used very much. Yeah, yeah. I don't know. I think this, okay, we got a high chair, hair extensions for kids, fake plants or watering pots. I don't think we need that to survive. Same with the potty mix. We don't need that to survive. I got a. Chalk markers. Tattoo removal I'm doing. My grandma gave me an aloe plant, so I bought a. What? I'm getting tattoo removal, so I got an aloe plant to rub aloe on it. Okay. For recovery. For CVS one time. Probably cheaper than this? No. Watering plants? Yeah, probably. But aloe's good for a lot of good stuff. I don't know. Honestly, I think that was a cheaper route. We got the plant for free. 30 bucks, but you can use it a bunch. Then you got to go to the water. Yeah, but the little aloe thing. How often are you getting a tattoo removal? Every four to six weeks. And aloe is amazing. I mean, sunburns. Well, she got a book. What book? The book called Divorce. Oh, shit. Why is that? Looks like a good book. So does it. I'm not even married. I don't have anything to prep for. That's true. That is true. Rose gold-plated chain. Go f*** yourself. Do we not know what situation we're in here? That's not funny. You guys are f***ing. Purple hair mask. Lots of cables. Oh, thank goodness you canceled the f***ing AirPods because you can't afford that shit. Oh, you don't need a sound bar to survive. Yeah, I bought. 25 bucks. No, it was 50. Shut the f*** up. You don't have that shit. You don't have money. I bought a VHS and a DVD player and the aux connect. Guys, this is all bullshit. It's all just bullshit. This is all bullshit. Yeah, I know. Yeah, you should see me when I'm riding around on a f***ing lawnmower and I get a notification that Amazon, $20, Amazon, $30, Amazon, $20. Then do we f***ing have a conversation about it? Yes, I have a conversation. Then tell me, what does that look like? Why are you buying shit on Amazon that we don't need? And I'd be like, we need it. Everything is a need, Caleb. If you can use it, it's a need. None of that was a need, by the way, on there, except for maybe the high chair. His work pants, those were on there. Okay, I'm fine with that. I bought this. I'm not fine with the other 80 items. Let me see. How about those? Girl. We haven't even got, you haven't even- My daughter's hair bows. Okay. Yeah, that's not a need. Is she just not going to have bows in her hair? Yeah. That sounds like a need to me. A bunch of colored bows and the hair extensions? You did not need that shit. You haven't even got to the tax credit statement from her. Oh, f***. Originally, we're going to come on. This was right after taxes had hit. She spent like over $2,000 on Amazon. Yeah, for the house. On things that we needed. How am I supposed to be a homemaker if you don't want me to make the home a home? You don't. Oh, you don't. I'm not there enough to f*** care. I mean, I am. That's the thing. I have to look at the same four walls every day. Why are we spending so much on the Chime credit card? The new balance is substantial. That was just the Chime, whatever, like kind of like the Fizz or Mine card, whatever it's called now. That's what it was. But the balance is still substantial now. Anytime I would use my debit card, it would just be through that. Well, it's $3,451.57 now. You're going in and getting some bullshit again. Energy drinks, used gamerships, Netflix, getting bullshit, Lavel order, Sonic Drive-In, Chick-fil-A. It's all bullshit. going in and getting some bullshit. Bullshit? Energy drink, energy drink, energy drink, Taco Bell, Steak and Shake, Starz Entertainment, who the f*** even gets that s***? Cash Advance, AT&T would draw off $300, what the f*** are we doing? Hold on, that was for, uh, oh, that was for my son's dirt bike. Energy drink, Chick-fil-A, Texas Roar House, Imo's Pizza, Imo's Pizza, sunglasses, concessions, Vibe Below, Dairy Queen, Schnucks, and energy drink. The spending on here is insane. This is f***ing crazy, and you do owe it. Hey, 50% of all of my. In order to be able to spend more on there, you do owe it. 50% of my energy drinks. So, the ending balance in your time secured, this is the time secured card. Now, this is a separate one. The one that I think you were talking about is $5,398. Okay. And that's just moving money back and forth. Listen, once you're ready to get back into the workforce and not be. a surfer please for the sake of every man i'll get you a course career certification a lot of people in the audience have used that that you can get in project management and tech and the trades convert it into a six-figure job like many people out there have they're incredible i'll get you that for free you guys get a discount but okay equifax what is this okay so this is your equifax what is this a credit card tbom mail that's miles on mastercard okay i'm being told you are practically the dumbest guest that's sending statements we've ever had why are you over the limit 581 dollars yeah the limit is 500 hold on hold on uh that might have been a fee why mispayment it's a $40 okay it's not a mispayment it was a late payment because i'm an idiot and i didn't realize that even if it's one day after the due date they hit you why would they not i do i thought you was you missed the whole like month you like you you know no that's when it becomes a mispayment on your credit card yeah me dude i only paid that once that's only happened to watch you twice why was it at the limit already uh i'd like to see what you're spending on this but you didn't send me the statement because you're sending statements i don't know but it was i would have the nose thing and the lip thing it's cleft lip what is it you're born with it you're born with it yes is that a brain injury no why the couldn't you send us statements i don't remember why i didn't send a statement for that one well any of them i have no credit report next there's the rest of the so it's all the credit report literally except for your time they up i emailed them emailed them what do you what do you mean i emailed the statements no you didn't yes i did you want to pull up the scent on my phone i 100 did you could you have it you can pull it up pull up the email yeah pull it up right now let's see casting it's on the cast really any because they're which exactly uh that was the segment save your fucking life i couldn't you couldn't send a pdf to save your fucking life all right maybe i'm the most person yeah that's what i'm saying yeah well then that's probably why it didn't come through because you didn't send it yeah that that would that would do it well i'm being told you want to join the air force it was the master possibility what how you can't be a pilot no i can't i'm too old well that and air force air force is the only thing that i can actually you can join the army but i don't want to do that what do you want to do in the air why do you want to join the air force you have a good business going on because the off seasons suck for one but also like i i want to make more money on a consistent basis like yeah but you'll be away and all this stuff you have so many kids yeah but once we get married i only have to go to boot camp and then the job training and then they'll be shipped out with wherever i'm at okay so what do you want to do uh something in like cyber security or intelligence something like that something along those lines okay i'm being told you want to get injured and get the benefits oh the benefits are great but that benefit the disability uh va loan the boots to business the disability those the disability though you will be the person you know it buddy you guys system exists man why would you not why would you not yeah it doesn't mean you're not a piece of shit yeah you that can sure fair you're entitled to your opinion as i am entitled to that's barely even an opinion abusing a system that's meant there to help people yeah but it does help people it does so does food stands doesn't mean you're not abusing it yeah which makes you a piece of shit no okay disagree oh i'm glad i'm glad you disagree the hands and statements that's who he cared about his opinion okay um atlas we owe 218 dollars what the i don't know it's web bank or etls or imagine it's oh that's an imagine visa okay you owe 218 dollars on this yeah and the minimum payment is 27 i'd love to see what you spent on it but again you can't it's hard for me to give the advice of like what should i cut back on what you even spent on it to get into that it's hard for me to give any advice of what to cut when i actually don't even know what you're spending is outside of your checking and the time credit because you can't send statements i can't i can barely do a full i can do a budget at the end but i can't say what to adjust from your current because i don't know what got you here because you can't send statements i wish they would have told me i said those on six two i said those on six two somebody should have said hey we didn't get any statements we tell you we tell you by downloading the dollar wise app i could tell you she said you went over all of it on the phone i don't remember as you were going through the credit report line by line yeah i sent the credit report and that went through you know that yeah we so i just don't i don't understand why the other statements didn't go through i sent them the same way actually no they were not pdfs they i screenshotted them from my phone cropped it and i sent them an email as a picture that's probably what happened then you went to go send the pictures and you didn't select all the pictures that you needed to send this would be my guess dude i don't even know what to do okay well this one's in collections applied bank that's a credit card yeah but it's in collections yeah why uh so that would be whenever i tried to buy the company um 525 dollars that's all it's in collections no um i tried to buy the company i was working for salary for this guy for 60,000 a year i had a credit card i was doing good i was making my payment when was that two years ago you didn't file your taxes no and you were on benefits well he made 60,000 hours a year that i hate i hate this country no you i don't think we're not gonna last another 250 years i don't think she wasn't on yeah i couldn't yeah i don't think she was you guys had no benefits whatsoever no no no okay um you say so but i was clearing like a thousand bucks a week we had it was but so i basically lifestyle inflated i got took on two personal loans i had a credit card i was making the payments on all of them then by the business no this is pre pre-buying the business so i wanted to buy the company from my boss he wanted to get out of mowing i'd been working for him for like three years at this point doing everything besides basically cashing the checks so i'm like you know what i can start my own company he's like well i'll sell you mine and i'm like okay so he tells me what he wants for it i don't have the best credit i contact uh sbi uh how much was it gonna cost it's like 120,000 okay for all the equipment all the uh clients and all that stuff sure and so i contact the sba lender she goes through my credit report we get you know everything where it needs to be and she's like well you need a co-signer and i'm like okay well i could try to find one so i reach out to a bunch of people can't get anybody even if i offered them like you know monthly payment or percentage or anything like that and i was like i'll ask her grandpa and he's like yeah i'll do it bring me a business plan show me all the you know business revenue everything they make what they're doing and i'm like all right cool so we get going go back to her she's like we could do it it's going to be a variable rate loan and he was like yeah i don't know about a variable rate loan i talked to another guy he said the same thing so then my old boss was like well go to my bank and ask my lender and so i go to him talk to him he pulls it up ending with you didn't get approved i didn't well okay well because the other lender gave me an option he said do this this this take care of these on your credit report and we'll talk we'll get it done so it takes me like three weeks i get everything paid off i go back to him and then he's like yeah we're not going to do it okay wonderful so great uh uh tbom um you still owe on it it's not in collections one thousand five hundred fifty one thousand fifty five dollars it's a credit limit of a thousand minimum payment fifty three dollars don't know why the it's over the limit can't see your spending and that'll be kind of what's happening this is a collection uh i don't know what it was for because it's a part of the collection agency now but it's 850 that doesn't you didn't answer why things were in collections though uh because i that was my question because once i couldn't get the loan for the company i had already started marketing i had already started marketing for my business and i was moronic no because it was planned no it was planned to go through this guy made it sound like it was planned to go through this guy made it sound like it was planned to go through this guy made it sound like it was planned to go through this guy made it sound like the banker made it sound like if you get these things done we will do the loan didn't sign right i understand that but i was prepping rolling getting trying to make sure that as soon as we hit the ground he's always right that's why he's in this position and so yeah i keep defending here's the other thing my cousin comes up to me who's been roofing for like 15 years and he goes look you do the lawn care stuff i'll handle we can open a roofing side of this company as well and i'll be the project manager basically doesn't mean you should be doing all this money behind marketing before you own the business yeah i understand that so what the fuck are we talking about yeah i understand that so what the fuck are we talking about i get the roofing supplies i get the i get the roofing supplies i get the i get the roofing supplies i get the roofing materials we start doing some roofing materials we start doing some roofing materials we start doing some roofs roofs roofs okay so everything is taking off i tell okay so everything is taking off i tell okay so everything is taking off i tell my boss hey i have to quit this roofing my boss hey i have to quit this roofing my boss hey i have to quit this roofing stuff is going along. I'm taking on landscaping jobs. I don't have time to dedicate to your company and my business. So I put in my two weeks and then it turns out my cousin who told me all this shit that he could do with roofing had no idea what he was actually doing. Couldn't project manage anything. Almost just like you. That's crazy. Yeah. So I don't know. What the f***? Didn't have a job. Okay. Loans didn't get paid. Credit cards didn't get paid. You asked how that happened. There you go. That's how it happened. Okay. Student loans. Who's this for? Me. Okay. It's not huge. What's the, what's going on with it? I went to do, uh, online at WGU for an accounting class. I had a, you haven't made a payment. I had a Pell or a FAFSA. WGU. Everyone WGU, man. I ended up dropping out. Um, why is your governor's university? It's like f***ing. So it went to, I guess default. Okay. Uh, 2000. $437. Are you making payments? No, it's on a hold or I don't know what happened with it. Well, you would have requested it at this point. Cause it wouldn't be automatic. I did like a, I don't know, two years ago. I have no idea what's going on. You should look at it because that actually might f*** you and they'll put it in default, like 11% of student loans out there. So call them again. It's hard for me to give advice without actually seeing shit because you won't give a shit, but because you're okay. Collections. Your student loan payment, by the way, it's probably. $30. Okay. Um, I'll look into that one. Yeah. I'll look into everything actually would be preferred because I don't have information. Okay. Collections. 3,420 probably for the roofing bullshit. The bullshit, bullshit, bullshit. No. What was the personal loan for it? Was that OVNV funding? Yeah. Three of them are. Yeah. One was for like carpets. Yeah. You own a home guys. These are the guys getting a home. All you have to do is scam the system. You'll get a home. No, we bought it like 10 years ago. Yeah. We bought it before we started scamming the system long. Okay. Yeah. And then allegedly happened. Yeah. Yeah. I might want to download that Exxon mobile rewards plus app. Yeah. I am. Yeah. You know, new users can earn $10 and points five bucks after your first purchase and five after your second. That's a lot. That's a whole lot. It is. Well, Hey, you get on that download buddy. I will loading download the Exxon mobile rewards plus app and join today. Exxon trust the tiger for details. Visit Exxon offer.com. Wait, what? Huh? You only owe 44, 43,000. Yep. 4,300 or 3,400. I don't know. 4,300, whatever it says. Yeah. Oh yeah. 5,000. We bought it brand new in 2016. Brand new what? 2016. Trailer? Yeah. Oh, okay. You guys are not homeowners. Gotcha. No, we own it. Yeah. Yeah. Not a home. Yeah. Yeah. You own a trailer. Right. It's an appreciating asset. It's a house. You don't own a home and it's a depreciating asset. Do you own the land it's on? No. Okay. This isn't, it's not. You'd be surprised what they sell for. It's better than before. I'll give it that, but you certainly aren't getting like the real estate market value and you definitely don't own land. No. Child support enforcement? Yeah. So that was supposed to be written off whenever. It's closed, but it's not off your credit. The payment is a hundred bucks a month. Yeah. We have, I have 50, 50. You owe 7,749. It was supposed to be whenever I was getting that loan. My ex wrote, um, when I was trying to buy the business, she filled out a form to get that stuff taken off of my credit report. Um, and for whatever reason it didn't go through. No, because we have a 50, 50. I pay her. Let's let that go to collections. Okay. This Amazon card, $139. Yeah. That'll just be paid off with one payment. So we're not going to worry about that. Upstart what's going on here. Oh, it's in collections. Yep. Yeah. That's wonderful. Listen to him for advice. Upstart. $139. First premier in collections. Okay. 49 or six 58. This is what you want to be with car. Hey, it's active. What is it? What do we have? What's it's a car. Buy my truck. It's a vehicle. Yes. Okay. What is it? Uh, 2003 Ford F two 50. Okay. Oh, okay. How is it? Uh, it's $1,022. Does the job. Yeah. Payment three 32. I don't know the interest rate. I know 25%. 25%. Why? Well, cause you have a collection because you refuse to be a responsible adult in any aspect of your life whatsoever. True that. That's pathetic. You want to be with that? Yeah. Yeah. 25. Of course. I just got another truck. I mean, I've honestly given up on your, yours life. So it's a tip typical value from that car right now. It's about 5,000 bucks. It has to do now. It's less than that. Yeah. It's less than that. Well, you owe those 8,000 and 25%. So yeah. I mean, guys, I don't know. It's just the way you live life. It's kind of pathetic. Your worldviews are kind of pathetic. This is like, what hope is there little, but let me try to do a budget, I guess. Um, your minimum fee payments. And yes, this will constitute a mortgage because it's not really a mortgage loan on a depreciating asset. It's a lot. It's a lot. I mean, it does depreciate $105. Yes, it does depreciate 100%, but we're going to get all of our money back and then some once we sell it. So at least we had a place to call home for 11 years. I'm not saying I'm not trashing that. I'm just, I can't give it the benefit of real estate. Okay. It's not real estate. Okay. Yeah. Right. It's not. It's like personal property, right? It's like a vehicle. You own a vehicle. Yeah. Personal property. Whatever. I don't care. Uh, income. Are you setting 30% aside for taxes? Uh, this year? No, no. Well, I'll give you an income of 5,000 because you should be. All my deductions. There's no way. That's why I'm not. Yeah. I would, I would love to see you get audited. What is your rent to the land? 410. Okay. Utilities and everything. Does that come with it? Uh, no. Okay. Let's see all utilities combined plus internet. Just electric, uh, electrics, 180 internet's 50. Okay. Two 30 phone bill. How much? Uh, two 46. Why? She has a new phone. When you guys are done, I would just switch to helium. It's 15 bucks a line. It is so good. There's kids lines as well with great protections. I think like zero bucks. Same coverage as like T-Mobile and stuff. So I would definitely do that, but you have to pay off your phones first. Gas of room, room, drive, drive. How much? That's a hard one because of what I do. Average. Uh, I mean, last month I spent $3,700 on gas. Okay. Perfect. Car insurance. How much? Uh, that is two 50. You have insurance on the house? Uh, it's included. Okay. Uh, necessary food. It is a little difficult to that. I'll give you guys like a thousand bucks. I think should be fine. You're just meal. Crapping like crazy. Probably eat out like crazy. I just can't see. I want a meal prep because I spend $10 a day. Yeah, you do. It's insane. Absolutely. On flatbreads. TP fund. Anything else you and your kids need to survive is 300 bucks. It's toilet paper. It's school supplies, whatever changes month to month to things. Yeah. Medical healthcare, their co-pays on a monthly basis. Um, I don't go to do, I don't do anything. So no. Okay. I guess we're on government. Yep. Okay. Subscriptions. I'll try 50 bucks, 60 bucks. Cause you know, the kids and everything. Uh, you have pets. Yeah. You have the dog, just the dog. We have two dogs, two cats. Okay. Yeah. It's $200 for pet insurance. You want to keep them alive and certainly can't afford what? You don't care. I'm not doing no pet insurance. Okay. He's evil. Why are you with this? He literally doesn't care about animals. Okay. Like we talked about the upbringing. When I grew up, like animals were just like pets. They're just pets. Hey, guess what? How you grow up is not good. Maybe you become a decent human. They're fine. That's it. We went over it. 80 bucks a month. I have everything written down. We went over it and I would say like for litter and food, litter and food, I would say like 200 a month. Litter of food between both cats, both dogs and the litter. And the litter liners. And we have to, we have an automatic litter box. Which is like a gym. That's 75. Oh, gym 75. Nice. Yeah. That's good. Um, 80 for the animals. That includes litter and food. Oh, okay. Okay. 80. 160 bucks is, uh, my kid's jujitsu and kickboxing. That's in the TP fund. Okay. Where you put it is where you put it. $150 a month on a trailer that I own, like a utility trailer. Well, that's a debt, right? For work. Yeah. Why didn't I have that debt? Uh, it's probably cause it's like a rent to own type shit. I don't know if it pops up on your credit. No, probably not. Okay. Anything else? Um, oh yeah. $240 a month for her blowy thing. Blowout? My portable breathalyzer. Oh, $240? Well, you do have to do that. And then $600 a month to her grandparents. Do we have to do that? Yes. Why? Cause they're the ones who paid for the DUI. They have said several times that they're okay with us waiting until we're at a better place. Oh, no, no, no. What's the balance you owe? Uh, I just paid him 500 like two days ago. So $600 a month for how long? $3,000. Okay. So there we go. I'll add three to the debt. It's $8,000. And do I owe on it? Uh, like 1200. Okay. I have to add that to your debt. Okay. If $7,000 comes in and we save no money for taxes, you technically have wiggle room of like 1500 a month. I'm going to guess cause your guys' budget is messy and weird. Cause I don't know your, your income's but if you actually set aside money for taxes properly, then you'd be fine. I don't know your debt situation. You owe like 18,000 to the grandpa, right? Or something? Uh, eight, eight. Okay. She crashed her car without insurance a few years ago. They co-signed for it. So why not? So what's your debt? Like 32,000 actually in reality. I don't know. Again, it was a mess. You couldn't send us shit. 1500 bucks a month. You guys will be Debt-free in less than two years. That's it. It's fine. I have no debt outside of whatever's on that credit report. No, you have the rent to own and you have the family debt. No, I mean collections-wise or anything like that. Okay, that's fine. Collections is not going to. My credit cards were paid up at that time. Whatever, guys. Okay, less than two years. This is a mess. I can't do it for real if you don't give me the actual shit and I can't see the statements. So what a waste of time. The post-show will be better because I'm actually going to go through something fun. Whatever's hiding on that Snapchat is crazy and I'm excited to see it. Let me tell you, it's going to be crazy. Join Hammer Elite. Let's get your Hammer Financial score first. Your real one. Spending and a budget. Can't tell you're f***ing spending. So X, go f*** yourself. I'll comment it as a zero because you can't send PDFs. Debt, you have collections. Zero out of ten. Emergency fund. Density savings. Zero out of ten. Retirement, zero. Retirement, zero. Real estate, you don't own land. You don't own real estate. That's another reason for the Air Force. Okay, Hammer Financial score is zero out of ten. I don't give a f***. Let's go to the post-show. This is f***ing stupid. I'll see you there. Join Hammer Elite. Three premium shows. Better than the last 20 minutes of that piece of shit. I'll tell you that. Every single day, six days a week. It's incredible. Join by clicking the join button or link in the description below or you can go off platform, hammerelite.com or join in the Hammer Elite app. See you there. Some women, some men. What? She said, I know I said c*** knows about it, but he doesn't. Oh, crazy. Don't, you don't have to. Crazy. What is this? 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