Affair Exposed On Financial Audit

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Savings compared to renewal price when you're in Florida. - To watch episodes of Financial Audit a week earlier, check us out on YouTube. You want him to lock you down because you have an extreme anxiety about him leaving you. You're watching all the security cameras constantly at his job, making sure he's not talking to anyone, not flirting with anyone. - He didn't know, though. - It's still batshit insane. How's the sex life? Okay, well that's interesting. In his checking account, he's actually purchasing only. You said that's cheating. - That is cheating. - He actually would not have sex with you, even. - What happened? - He went to two individual ones. - Why? - No, no, no, no, no, no, no, no. - No, you objectively are. They're right here. You can see them. - Washed, washed, washed. - Fending yourself for what? - Oh my goodness. Washed, washed, washed. - No, if you scroll. - Just let him talk. Let him call you. - Washed? - That's gross. - June 1st, I'm launching the Hammer Elite app. Available on every major platform. Join the wait list by using the link in the description or pin comment down below to get a never-before-seen Financial Audit video and then an exclusive offer just for you. You'll get lifetime access to the entire Hammer Elite catalog and our Hammer for Life box packed with limited edition merch. So mark your calendar. June 1st, this is the best membership you'll ever join and that is a promise. - Hello, I'm Chelsea and I'm 20 years old. - I'm Mike. I'm 23 years old. We're from Gainesville, Texas. - And this is Financial Audit. - Why won't you marry this woman? - Well. I know that's why the you're here today. You're here. You're not marrying her. - So I feel like our finances has been a big part of our relationship since I met her. I've been taking care of her since she's left her dad's house and everything. - When was that? She's 20. - So. - When were you taking care of her? - So we first met at a July 4th party and she was 18 and she had a boyfriend and everything. And that night we were just hanging out. She was drunk. She was sober. And I heard that she liked me. - That's interesting that you guys are like literally, why'd you start this by lying? You guys met when she was 15. - Oh yeah. Well. - Oh yeah. - Oh well, well, well, well, well, wait, wait, wait. - That's right. - I tried first. - She wanted my Snapchat and I was 18. I was 18. - I know. - I was 18. I was like, no, no, please. 15 year old. - Oh yeah. - Yeah. - But you waited. - She had like braces and she was like, you know. - He said no? - Yeah, I said no. - Okay. - He wouldn't give me his number. - He wouldn't give you his Snapchat. - But my brother did. - I dated his brother. - And they kissed. - What's your brother? - He's a year, he's 11 months younger than me, a year. - Okay. - So you were 17. - Okay, that's high school bullshit. I don't care about high school bullshit. - Yeah, yeah, yeah. - You kissed his brother. Okay, so you groomed her, waiting for her to turn 18. - Per se, but you know, we're here now, I mean. - You're here now and she wants you to pop the ring, pop the question and yet you won't. And I know it ties back to how everything is completely. - Yeah. - But she badgers you constantly about wanting to get married. Why are you actually waiting so long? What is happening? - Well, it's because I feel like in a place we are right now, if we do get married, she would instantly want a child. And I can't afford to support both things. - I never said that. - No, no, you have. - No. - You've had baby fever for a while now. - But I wouldn't have a baby as soon as we got married. And why would it matter? We would be married. - I mean, I feel like baby would be the next step and you would always want to do more like steps by step in our relationship. - You didn't answer why you didn't want to get married? - Yeah. - Our finances. - You said a lot, but nothing. - You said about the baby. She's like, she's okay with not getting the baby immediately. - Well, I feel like she says that now, but once we do get married, I feel like that's the next step. And the reason I feel like the finances, are such a big thing in my decision to not like pop the question is because I feel like she doesn't understand anything with money. - But in a marriage you work together to understand money. - But you don't understand like a worth of the dollar. I would say. - Maybe, I mean, do you? I don't know. Whose debt is this? Is it all hers? - It's all mine. - Okay. So that's okay. It's all yours. Then is it her lack of understanding the value of a dollar? Maybe. It's 20. She's likely not going to. I mean, especially, I mean, young people today, apparently it was like your children until 25. I don't know. That's what women say. - Yeah. I think that's true. - For some reason we let you. - That's what FASFA says. - That's what does FASFA say. - Well, we let you vote at 18, serve in the military, drive at 16 and, but okay. You can't decide if you're able to get a, go on a date with someone at 19, but yep. You're a child until 25. Yes, of course. So, okay. Maybe, maybe there's some truth to that. Not really. But even still, maybe she's more financially immature. She hasn't really, are you in college? What are you doing? - I am in college. - Well, there you go. So she hasn't really been an adult yet. Cause it's still like a playground. - Yeah, exactly. - College is like a playground. It's like, it's not much. It's really no real world experience in college. - I feel like the only reason she wants to get married is because she sees her cousins want to get married. And that's literally the only reason. - Right, yes. You're dressing like you're inbred, but. - What, us? - Her with the camo and all that shit. - You're in Dallas. I don't know what the heck you're doing. - Well, my cousin's younger than us. And she got married and she's having a baby. - Okay, so what is the baby thing? You want to get baby. Cause I know, cause this might actually ruin your relationship. Cause you cornered him at a baby shower while he was drunk. You were just badgering, badgering him, badgering him. - Oh dude, it wasn't fair. - You sent him cheap wedding rings constantly on a daily basis. You saw someone at the baby shower get engaged and you completely lost your shit. - Bro, like literally two nights ago she was like, I can't do four years of this. I can't do four years of this. - I don't want to wait forever. I'm 20. Yeah, and I'm not. - Yeah, and also you're 20. So like it won't be forever a few years from now. The thing is like, hey, if you feel she's the one, yeah, sure, just wrap it up. - Yeah, I do. - Get married. - I do. I do want to get married. - But also like, it's okay to wait a second. Like how long, so how long have you guys been together? - Three years. - See, that also doesn't line up with the 20 year old age. Just going to let you know. She turned 21. Like next month. - Next month. - Uh-huh. - So she's been together for three years. I do, you think I'd give a shit if a 19 year old was a 17 year old? Like who gives a shit? That doesn't, you guys. - The thing is she also had a boyfriend at the time. - This isn't Twitter. - Yeah. - I stole it. I stole it. - Okay, she cheated on him. - Yeah, yeah. - Did you cheat? - Yeah. - You cheated on your boyfriend? - I did. Well, I don't like to say that out loud. - But you did. - Mm-hmm. - It happened. - I did. - You did. - You cheated on him. - No, I won't. No, I won't. - Well, what? You were 17, right? So you were 17 and I don't know. It's like a high school cheat. It's like barely even real life. I don't really care. - Well, he went to the military. He left, so. - Okay, so you're a bitch. - Yes, yes. - I sent a letter. - Saying I'm breaking up with you? - I wrote the letter with AI. - Yeah, but did he you before you broke up with him? - Yeah. - See. - The whole time. - Uh-huh. So you're a. - No, I don't think so. - Well, what's your fear? Because you left the guy. Here's what I have from the notes. You left the guy. You cheated on him 'cause you're a. But the thing is you want him to lock you down because you have an extreme constant anxiety about him leaving you. So you think if you go ahead and get married, he can't leave you. Just because you were a horrible bitch to someone doesn't mean he's gonna be a bitch to you. Just because you're a doesn't mean he will. Have you ever cheated on someone? - No, bro. - Okay, see? Doesn't mean he'll be you. - Okay, then. - But the thing is, I feel like he wanted to marry you. He wanted to get all those benefits of marrying someone. So you guys were gonna get married and stuff. And then I came along and you were like, I wanna be with him instead. And ever since then, you've been on this marriage crusade. - Oh, and she's literally afraid of you leaving, like actually afraid of you leaving. And I mean, I would personally actually be afraid of marrying this, which is you. I mean, that's actually what I'd be afraid of. - And I'm okay with marrying that. - But she's, no. It's because, no, you have something wrong with you. - Yes. - What? - No, you're obsessed with him. You bailed on that dude, you're obsessed with him. You were watching all the security cameras constantly at his job when you first started dating. Watching, making sure he's not talking to anyone, not flirting with anyone, because it's your own security. It's because you're a cheater. Because you're a cheater, you think he's gonna leave. Because you're a cheater, you think he's gonna cheat. - Yeah, that's one of the things. I feel like there hasn't been a line of trust with her. she doesn't really trust me fully. And I feel like it's just stents from her Her mother, in a way, because her mother, like, did some bad shit to her when she was younger. No, she's a cheater. She cheated. Buddy, she lost her shit when she saw you be too friendly with a co-worker. Because I didn't want people to think that they were dating. He's friendly with a co-worker, bitch. He was picking her up. Okay, okay, like, I get it. Picking her up. Chasing her, recording her, pulling her hair. That's weird. Hold on, actually. Maybe that's weird. Pulling her hair is kind of crazy. He would pull her hair. Well, if you were, that is actually a little fucking. Right? I didn't want people to think that they were. But why are you watching the cameras? Yeah, that's also fucking insane, by the way. Bat shit insane. Well, my aunt let me. She'd be like, here, you can watch him. All right, you need to see this. This is a multi-page report of what data brokers claim to know about me. My addresses, phone numbers, relatives, spending habits, stuff I didn't even remember telling anyone. And these companies are making billions selling this to literally anyone. Scammers, spammers, whoever wants it. And let me ask you this. Do you use apps every day that you know are probably harvesting your data, but you just accept it because what's the alternative? Disappear off the grid? Thanks to Aura for sponsoring today's video. Aura protects your privacy by identifying data brokers that are selling your personal information. And more importantly, Aura takes care of the hard part by automatically removing your info from these sites and keeping it off. Because I'm not spending my weekend emailing shady websites begging for my data back. 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She's terrified of you leaving, finding someone better, someone not so shit. I mean, I love her. That was a Pope laugh if I've ever heard of it. I mean, I love her. Why do you say that? Because every time we talk about breaking up, he, like, cries. Like, gets on his hands and knees and he cries. Don't leave me. Gay. No, it's not. It's not that. What's wrong with being gay? No, I don't have problems with the gays. Okay. It's just, I feel like she doesn't understand that every argument we have, it ends up with her saying, this is my house. This is my house. She says this? Yes. You own a house? No, my dad bought it for me. So, technically, it is my house. Oh, you're a cheater and a spoiled bitch. It is my house. This is why you don't have debt or anything, because you're spoiled from the parents. What college do you go to? NCTC. It's a community college. Okay, never mind. Okay. And I pay for it. No, you have a loan. You have a loan. No, I had a loan. Had. You pay for it, but that kind of works like that when your parents have bought you everything and you have no overhead. Yeah, that's easy to do. That's what your parents want. Your parents are supposed to help you. Yeah, not buy you a house. I mean, it's cool that they can, but you also haven't learned anything by 20, and that's one of his big fears. Mm-hmm. Well, I feel like the way it happened is because our apartment was way too expensive, and you were, like, kind of, like, crying about it. Be like, hey, they're raising our rent and stuff like that, and they're like, oh, let's help you out. Let's buy you a house. Well, my parents, we were at a Christmas party, and they were drinking, and I asked them. And they said yes? So, they drunkenly told me yes. Dude, you were on the phone with Lindsay. Literally. And you were bragging like crazy that you used your parents like an ATM. Bragging. That's not a joke. That's not a good thing. I love my dad, and he helps me. That's who you want to be with? Someone that's going to suck sugar for you? My dad helps him, too. No, the thing is— Yeah, but she's going to, like, just endlessly be draining money from you forever. I feel like the reason your dad helps me is because he's doing it for you. And I feel like that's something that—I want to, like, have things of my own and things that you can't say it's— It's your truck and stuff like that. Because he was going to put the title of my truck in your name because he was scared that I would take the car away from you if we ever did break up. That I paid for. All out. No, I pay for the car. No, I pay for the truck. Oh, well, yeah. Like, all of it. He wanted to put the truck in my name even though he paid for it because it was my dad's truck. Okay. I don't know. So, listen. I mean, I get— No, actually, not— You guys have been together so long. I actually— I don't understand the dramatic fear of him leaving. What is this? What is this? Watching the cameras and all this freaky bullshit. It's so weird. Where is this fear coming from? Where is this severe anxiety coming from? I don't know. I don't know where the fear is coming from. Why do you think he's going to leave? I don't think that he's going to leave. Then where— Well, you wouldn't have anxiety about him leaving if you don't think he would leave. There's a part of you that clearly does. Enough to boil up to extreme anxiety, I'm being told. So, where does that come from? What? What is it? What have you seen? What have you seen? What have you seen? What have you thought? Yeah. Yeah, what do you think? Well, he flirts with all his coworkers. Okay, I work in a shop with a bunch of guys. Now? Yeah. Now. I flirt with guys now? That's so awesome. Endearing. There was a girl— Again, homophobic. I don't understand why. There was a girl that he worked with that wanted to marry him so she could get her green card. Okay. That's weird. And he still talks to her. No, that's weird. We're high school friends. Is she hot? She's okay. Yeah, but she's— Show me a picture. Okay. Yeah, I guess. Yeah, call her mid in front of the one that's terrified about you leaving. She's okay. Tell me, how long were you f***ing him while you were with that other guy? Be real. Probably like three weeks, a month. That's crazy. That, just because you're a bad person doesn't mean he's going to be a bad person and leave you for someone else. You gotta stop with this. Your brother? No, she's actually kind of— See? That picture's even weird. That's them two. She's, she's, she's, yeah, like— That's an old picture. Probably a seven. Seven is crazy. Mid. Yeah, maybe. Well, she was enough for me to freak out about. Yeah, which is fair because you're probably like a— Seven as well. So, yeah. I mean, it makes sense. Right? I guess so. Yeah, so fair enough. Now, when you guys immediately got together, though, all of your finances were immediately spit 50-50, which is crazy because you were 17. Like, what the f*** are we doing with that? And you were, what, 20? Well, how could you— 19, 20. So, 19, 20, whatever. It doesn't really matter. Yeah. Um, that's a crazy time to be combined. What are you guys trying to speed run? You guys are like, it's the 1920s or something. I think we are rushing through life. We're not taking everything slowly. But the thing is, like, we, we, we have goals and, like, we want things to happen. No, how long is she going to stick around? I know she's afraid of it now, but how long is she going to stick around if you don't? If you don't, actually put some work in. I said four years. She said four years. Four years from? No, no, no, no. Like, like, if it doesn't happen— Four years from when? No, no, if it doesn't happen in a year or so, we're done. Mm-hmm. Four years of, like, yeah. And what's your hesitation? It's— You said finances. Because she doesn't talk about them at all. Like, she doesn't. She blocks it out. You don't like to. You want to be a wife, but you're not willing to talk about the household? What the f*** is wrong with you? Because it's not my finances that are, like, No, but talking about the finances is still important, because they're going to be united, essentially. Well, I don't understand when he talks about them. Okay, well, you might have to down— It gives me anxiety. You might have to dumb them down. I know, I know. Yes, a little SSRI girl, yep. She has a weird, like, a weird relationship with money. I feel like she doesn't understand when I talk about, like, my credit cards or anything or my bills coming up. Maybe not. You might have to dumb it down. That's okay, but why aren't you willing to talk about it? Like, you get anxious from that. You get anxious about him leaving? You don't have money, trauma. You've been spoiled like crazy. Why aren't you at least willing to talk? Even if you don't fully understand, just talk. I do try to talk. No, you don't. Yes, I do. No, she says her stomach hurts. She can't talk. You're giving me a headache if you're talking about finances. Like, any conversation that I bring up to her— I don't understand what he talks about. I don't understand it. Also, when you get anxious, yes, your tummy hurts. Go shit. Come back. It's fine. That's what happens when I get anxious. No, I like to lay down when my stomach hurts. Good, lay down and talk. You don't get to just walk away from everything when you feel just slightly uncomfortable, though. Because the hardest things in life, the things that you'll want to get to together, especially as a couple, will require some uncomfortable moments. Some anxious moments. But I don't understand the problem. What is the state of this relationship right now? Okay, we've been arguing lately because I've been working a lot. Like, I work 14-hour days every week. Isn't that a good thing, though? So he can pay off his debt? No, it's because you— It's because you don't know how bad debt is because you're a spoiled bitch. I don't know what his debt looks like. I don't know. Well, because you won't let him tell you. He won't tell me the truth. I would want to tell you, but the thing is, you don't want to hear it. Like, I do want to tell you what I have, but the thing is, I don't tell her what I purchase. Why? Because if I'm doing something and I want to get something, I just get it. Oh, sure, but I'm talking about reflection afterwards. Like, at the end of the month, we sit down and we talk about where money went. I want to. We don't know. I want to do that, but the thing is with you, you just, you spend your money like it's no care in the world. You spend it like, oh, I'll get it back. Do you not? So you have a problem with him working a lot? Yes. Why? Because then he doesn't help me at home at all. Help you at home? What's help you at home? He could do the dishes. He don't do the dishes or clean the toilet. So we're going to be arguing right now and, um, how's the sex life? Anyway, how is your sex life? So I have my wisdom teeth taken out. So it's been a couple of weeks. Three. Because she's. What? What does that. Is that a thing? Okay. No, I'm being told no. No, it's like weird to kiss somebody with. He has. He had a. Still. But he had holes in his mouth. I wanted to, but she's like icky about it. It weirded me out. No, the holes in his mouth. Don't kiss him. Just have sex. No kiss. For a second, bro. We could have. That's weird. Before that, with all the craziness going on. No. It's not good. It's not good. It's winding down. Why do we think it's not good? Yeah, why? Because you're the person. Probably because we argue all the time. So he's arguing all the time. No, I don't argue. She argues. He doesn't listen. We're arguing all the time. Our sex life has gotten bad. All while we want to get married. Is he allowed to watch porn? No. And not have sex? No porn. Nope. That's a hard rule. Yeah. It's cheating. That's cheating. In her eyes. Really? Yeah. Okay. I'm not looking at anything. So what was it before? Our sex life? Yeah. It was good. First three months. No, no, no, no, no, no, no. Every day. You said it was bad before the wisdom teeth. Yeah. How bad? Once a week. But she's been on a lot of. Not once a week. Once a month. No. Once a month. Yeah. He's just trying to make himself look better. So once a month. So it's deteriorating because of the fighting. Mm-hmm. And he can't watch porn. No. He needs to f*** you instead of watching porn, right? Yeah. Okay. Well, that's interesting. Whoa. And is checking it. I think how. He's actually purchasing only f***s. I didn't even. Are you for real? Okay. I think that's a recurring payment. And I cancel it that month. I swear. I swear. I swear. That's so gross. That's so gross. Gross? That is cheating. He actually won't have sex with you, even. What? I won't have sex with you? You're at once a month. No. I. No. I'm the one that instigates sex. She doesn't want to have sex with me. Is that true? Most of the time, yeah. Why? I'm tired. No, you're not. I think it's your. Okay. Even still, you're tired. That's fine. Got it. But no f*** the rule. Not only is he watching f***s, which is free, he's paying for it. Okay, okay. He's paying for it. Like, right now? I noticed that during that month because I have a lot of money. Yeah, it was the most recent month. Oh, my. It is? What do you think? That's so bad. That is bad. Really? This seems like an underreaction, I'll be honest. That is really bad. Like, I should have. You're giggling about it. Canceled a long time ago. I don't know what to think about it. I'm in shock. What's actually happening in your brain? No, you gotta. I'm in shock. Like, I'm actually in shock. In shock. Maybe that's why he. Are you angry? Are you. I am a little angry. I mean, maybe that's why he doesn't let me go through his finances. No, no, no. Is that why? I don't know what he spends his money on. Let me see your phone. Here you go, bud. And I don't go through his phone. So I wouldn't even know. Uh-huh. Well, you shouldn't. I feel like if I go through his phone, I'll find something. It was a hard rule to say no. Uh-huh. When did we agree on that? Star Wars, The Mandalorian and Grogu is now streaming on Disney+. What are you waiting for? Hop on. The must-see galactic adventure comes home on Disney+. This is the way. Start this, kid. Always wear your seatbelt. Star Wars, The Mandalorian and Grogu. Now streaming on Disney+. Rated PG-13. Why didn't we first start dating? Because he used to be addicted to it. No, I said. Really? He started watching, like, seven. He was addicted to it? And, yeah, he was paying for OnlyFans last month? There you go, bud. He was subscribed to two individual ones. I'm going to be real with you. 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They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan & Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000. - Oh no, they were a day apart. I'm not a hundred percent sure, but no, multiple ones. - How long ago? - Yeah, the most recent month. - This year? - Yes, multiple months into this year. Absolutely. He's been paying for a lot. In fact, he tried one on, in February. He tried one in March and then another one end of March. He's actually subscribing to a lot of OnlyFans people. - Why? - No, no, no, no, no, no, no, no, no. - Why? They're right here. You can see them. - Why? - Yeah, but like the thing is- - Like you can't just say no, like they are. They're right there. - Why? - I, I, okay, so. - I'm sorry. Listen, here's the reality. The reason I'm bringing this up. You want him to propose to you. He's not proposing to you. You guys' sex lives are a disaster. You won't talk. You won't communicate. He won't propose, but he'll actually go and subscribe to OnlyFans people even though you've had a hard rule not to because he had a poor addiction in the past. - Yes. - And now he's literally paying for multiple OFers a month. - Well, I feel like- - Multiple OFers? - All OFers a month, dude. - I feel like- - This is a cope. Any kind of rebuttal to that is insane. - But I feel like our sex life has been going down since our like two, first two years. And I feel like- - But that's cheating. - It is cheating. - Here's one of them. - That's cheating. - Oh, Jesus. - You're so, that's so bad. - Yeah, that is pretty bad. But in a way- - And my dad's gonna see this. - Yes, he- - Good luck. - Yeah, that'd be a conversation. But your dad watches. - It doesn't. - I know this one. - Why would I- - How do you know this one, Caleb? - I've never paid for it, but she's everywhere on social media. She's the one that goes on to Lamborghinis and like smashes the windows. - Okay, honestly, that's why I purchased that one. 'Cause I was curious. - A month ago. But by the way- - Curious. It was discounted. - They're fake. They're fake and they're not very good. - 'Cause you can see the purchasing price. It was like 599. - Why do you even have it? - Do you hear this? - Why do you even look? - It was a deal. - It's so weird. Why do you even look? - Is this a joke to you? - No. - 'Cause he's actually treating it as one. - It's not a joke. - He's legitimately treating it like one. - It's not a. I know- - You said you got it 'cause it was on sale. - It was risky pictures you could post on Instagram. It was bikinis. - No. - Deadass, deadass. - I know her. - No, deadass. - That's not- - That whole month, it was just lingerie. Purchase it. - It was not. - Yes, swear. - Okay. - Bro's gonna try- Hopefully not. - And here's the other one. - Ooh! - Those are his most- - Oh, okay, okay. I know why I got that one. - Because she like- - That's his most recent. - This year. - The most recent. Yes, from here. And this one's the one he's currently following. - I currently follow somebody? - Yes! Asshole! - Yes! - Yes! You're such a prick, dude. - My bad. - You're such a liar. Her. That's who he's currently on. - And so you're watching- - But that's free. - It's only if it's an app? Or you have to search it? - It's a website. - So you searched it? - No. - Yes, you did. You probably have an account. - I do have an account. But I got it before you. And yeah, I was just doing it 'cause there was deals and they were kind of promoting it. - That's so weird. - And. - That's so weird. - But the thing is, I stopped. I did cancel 'em. right before you came on the show which is what everyone does dude you got you got caught yeah i did 4k and that's it yeah what do you think what are your actual real thoughts i know you're you're playing like you're playing chill maybe your mom has an extra room for you are you actually thinking that well probably just joking because all her sons moved back in yeah so just family reunion okay thank you big guy oh for real yeah here you go so you've been afraid and anxious anxious of him leaving and of him looking at other girls and all that stuff and then you caught that yeah did he cheat that's cheating that is you're paying for it what do you think about it yeah how was he gonna pay for it actually come on i don't know if you're just not able to stand up for yourself or what but i i think that i'm really shocked i have no idea what to say i did not know that he was doing that at all uh the thing is with uh uh i feel like in a way i'll pack his bags yeah you laugh you laugh is that a joke but no i feel real ill i have locked him out before she has why so i was getting this tattoo right here and he was taking too long no that was a different time like the most recent one what was the most recent one he went out with some friends like in denton i was playing basketball with my friends for like eight hours because we were talking about catching up on life he was supposed to be doing sparks okay well tell him on his side for a second what what let the dude flip like why do you have to be like i haven't hung out with my friends every year we i'm like as long as he says he's going out like you're okay no he didn't tell me he said he i'm gonna go she always says no caleb okay yeah but if you she always says no for me to hang out with my friends that's weird he's a grown adult he can go do it he just don't do it but then you lock him out no she he knows the consequences for what happens when he's because he's kind of with a crazy bitch it's so easy watches him on cameras at work i watched they were streaming too and i watched it and he was declining me because i was playing basketball yes i was playing basketball and that's okay he doesn't have you guys don't have to be together 24 hours a day that's not healthy no but he was supposed to be working and then he just went he could have been like hey i'm gonna go play basketball if i can't work and then have a like at least a life in my perspective yes absolutely you should be able to have friends but you should communicate but for what it's worth if you don't hear back from him that doesn't mean he's like literally murdering someone or cheating well what if he like got on a wreck or something how am i supposed to know lock him out he may have gotten a wreck so let me lock him out he knew he messed up he didn't answer all every time i said he knew he pissed you off and he wanted to quell that yeah i gave him a blanket and locked the door i slept on the couch that night i ended up letting him in a little bit later you're kind of crazy now i mean which may have pushed him to do this extracurricular activity i feel like she she wants me to focus on her and that's it like hurry else would you focus on well the thing is allowed to be his own person too well well the thing is i give you all my energy and it's still not enough in a way like i give you all my heart and everything and you make it seem like it's not enough well you're watching only that's weird that is weird and uh it's not necessarily weird it might not be the most healthy especially for someone with a porn addiction in the past which means he's definitely still watching by the way are you yes okay i'm it i'm into it how frequently i would say if i'm alone and she's not home and she's doing other things and i had the day off or whatever at least three times a day a day before she comes a day a day what a day not a day not a day when uh i have nothing to do three times in the day that's it's not always okay it's not always what what does that mean we have our own okay we have our own i got that but it is sometimes sometimes many times many times spice it up well you know you got to get hot cheetos i know but listen the crunchy chips i don't have too much i don't really have an issue unless someone has an addiction but she specifically made it the rule to not yes okay you're flat-faced i don't know what to say that's shocking but what's going through your head my feelings it just hurts your feelings but you're never gonna leave are you i think you're like no you're like obsessive or something like this doesn't matter to you like it does it does but you're never gonna do anything you like you don't care i'll let him i'll make him go stay with his mom i will what it's like a time out because he hates you don't like being over there well the thing is if i'm living with i'm not gonna live with my parents i'd rather live in a motel than love my parents because i feel like if i go back i like to be your phone again give me your phone again yes sir i'll call your mom and say your son's watching only he's gonna live with you anything i want that's okay my show bitch his most recent search results are like uh riley read threesome on red so this is where he watches porn on reddit so riley okay you said you didn't have reddit and kimmy kimmy granger no he has reddit he said you said you deleted it kilp's a smart guy okay he's why would you not at least delete it before we get jesus christ you watch that you like that no i don't yes obviously no i don't it was there i like threesomes yeah he does with uh what two guys tagging a chick no no no no no please okay homophobe yeah jeez kind of crazy oh i see the ones he's watched a lot watched watched watched watched watched watched watched watched i was picking the right one caleb i was picking the right one watched watched watched watched watched watched watched oh my goodness watch watch watch if you scroll watch if you scroll watch okay finally keep going keep going keep going that's gross that's gross okay oh my gosh yeah no dude's watching a lot of riley read threesome who is riley she's a old school i would have that's so gross i don't know what to say i have no idea what to say you hurt my feelings i know yeah like it makes me look at him gross i get that but the thing is gross that's gross this is riley reed okay okay i don't i don't watch that okay okay she kind of she kind of okay so why are you watching her because i can't watch you because you don't have sex with me boom roasted which i think relatively it's a fair compromise if you're not having sex that he should be able to wait no that's not fair no it's not okay what is he supposed to do i have knees he he does have knees and he has a right hand he can use that yeah but she won't do something weird she makes it weird she's like because i'll be sleeping that's weird to do it right next to me okay yeah why can't you go somewhere because i can't imagine things that's the thing if i do fab i have to watch something i have to look at her sleep no no she usually does something and she makes it weird she makes it weird she makes it weird and she doesn't like that she she makes faces like disgusting faces like that she's like what are you doing because he makes weird faces so what am i supposed to do well yeah he's nothing like i i what can i do okay so what what do you expect of him then if he can't like well we can talk about it we don't talk about it so what do you mean no we can't talk about it we can't talk about it because every time i bring it up it seems like it's a need like she thinks all that's all i want in this relationship is sex she makes it sex is like the biggest thing i feel like in our relationship that's what she thinks like that's that's all it was in the beginning all it was i don't like to have sex all the time but the thing is i have a high sex drive and that's why i'm and that's yeah that's fine why not because that's other women yeah the thing you're not giving him you well he doesn't tell me well if i don't know no no it does affect me because you you don't you don't like do anything sexual like i'm just not a sexual person which is okay but like he he needs to like he needs to come she doesn't have any power in a way she star wars the mandalorian and grogu is now streaming on disney plus what are you waiting for hop on the must-see galactic adventure comes home on disney plus this is the way our only chance is to work together i like this kid always wear your seat belt star wars the mandalorian and grogu now streaming on disney plus raid pg-13 well she can kick me out yeah oh yeah she she can't leave you she she She's obsessed with you. She has a weird obsession. And I think she's like 20. She's like, her hormones are going crazy. Like, she's on baby mode 24 hours a day. She just wants you to unload and get her pregnant. That's really all she wants. And then she'll regret it when she's 35. Because it's with someone who she, maybe she doesn't even want to be with. No, I do want to be with him. No, no, I'm scared. I do. Not him, him. F*** him. Him, the one that wants that s***. The life you don't want. No, I don't want that. But I think we could work through it. Supposed to be in three ways. Would you bring in another woman? That seems to be his thing. No, no, no. See, there you go. I wouldn't want that. You wouldn't? No, no. That's a fantasy. Not something I would put in. Well, usually fantasies are, they like it, they want it to be a reality. But okay, yeah, sure. Well, I feel like she's always been trying to craft me to be her father, in a way. Like, actually. Huh? Like, that's what she's been wanting, is her, somebody her dad can, like, accept, in a way. My dad has high standards. Exactly. No, it's not unfair. I mean, he wants the best for his daughter. That's okay. Wanting the best for your kid's a good thing. And it's also a reason why I haven't proposed yet, either, is because I don't feel like he would say yes. Oh, shut the f*** up. No, I'm being dead ass. My dad? Yes, your dad has said that he would have to, like, think really hard if he would let me have your hand in marriage. And you told me that. Plus, our cultures are way too different. What? I'm Cuban, and she's white. Oh, come on. That's what I said. How Cuban are you? A hundred percent. No, but, like, you're raised. You're from f***ing suburban Dallas. Nah, nah. I'm from Buffalo, New York. Oh, Buffalo, New York. The most tropical. Well, well, my parents are from the boat. Yeah, your parents, not you. That's what she explains to her father, but he thinks otherwise. What? Her father thinks our cultures are too different. What does that even mean? Usually, like, hyper-conservative people like him like Cubans because the Cubans hate socialism and stuff. He thinks our wedding will be different. Like, we'll have to speak in Spanish. He doesn't want our kid to be named Jose. He doesn't want. Well, no one wants that. Well, my dad thinks that he's Mexican. He's not Mexican. He does. I thought you were white, so I don't really know. Exactly. You're white. She's pink. Oh, yeah. No. She's a little embarrassed. But. Well, yeah, because you just got exposed for essentially doing what she considers cheating for the last all your relationship. That's not fair to her, and that's also been weighing on my conscience. Yeah, what's her dad going to think when he sees this? Same thing he's been thinking. I think a little worse now, right? I think so. He'll probably never. He probably won't want us to get married at all. Yeah. What about. No. Sorry, I know this has been a very sexual episode so far, but it is actually apparently their whole thing. What about a little. No. She doesn't do mouth things or hand things. I don't like to do that. She hates blowjobs, handjobs. He doesn't. It's uncomfortable. Do you do oral on her? Sorry. Yes, yes. Oh, come on. That's only fair to go back. Like, literally, that's all she wants from me. That's why she hasn't let me. Oh, shit. You don't want him in your. No, she does. No, she does. Actually. That's a month. Oh, she has a UTI every other day for some reason. Are you kidding? It happens. It happens to women sometimes. Yeah. It happens. Yeah, yeah, yeah. No, no, that's normal. Now I'm embarrassed. You didn't have to say that. I am embarrassed. I think everyone that's been with women knows that that is more common than you'd probably think. It's not talked about very much, is it? But, no, no, no. We'll call the dad in the post show. What do you guys think your Hammer Financial score is? Zero to ten. Zero being the absolute worst, ten being the best. If we're combined, if we're looking towards marriage. Zero. Three. What about cheating score? Ten being the most cheaters in the world, zero being nothing. Ten. I guess because you think cheating, so it's ten. I went to Snapchat. I was expecting to maybe see a woman. I didn't see anything. Yeah, I don't see anything. So he's at least not talking to someone else as far as I know. Mm-hmm. I don't trust that face. I didn't trust either. I don't know why. No, no, no, no. I am not talking to anybody. I feel like you just admitted to talking to somebody. No, I'm not. Okay, that sounds unexamined. I'm just really nervous because the whole, like, thing has been brought to light. Well, you knew it was on there. Which is a good thing. It was on your statement. And you get to choose what's not talked about on the show, and you didn't say it. Okay, well, the thing is, it has to be brought to light. Okay. I think that's a good thing. You didn't have to wait to go on the show to tell me. Well, if I told you earlier. Because he wasn't going to tell you on the show. I did. Yeah, you did. He wasn't going to bring up shit, to be clear. Not a chance. That was me who exposed it. Well, I'm glad. Yeah. It's just unfortunate you're not going to do anything about it, except for a little time out. And unfortunately, you're just going to be stuck with that your entire life. Someone who's, to be very clear, this is an example. And yes. Even if it is something more addictive, which is true. There are many addictive things in this world. He is someone where you guys made a clear boundary on something. And he's been doing it like every day behind your back for years. What does that suggest for anything else for the rest of your life? He's going to keep doing that. Just saying. That plus who knows what else. If he's willing to lie about that constantly, what else will he be willing to lie about at 50? June 1st, I'm launching the Hammerleaf app. Exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. But limited to the first 1,000 people to purchase. For a one-time payment of $500, you'll get our entire Hammer Elite catalog for life. And a limited edition Hammer for Life box packed with merch you can't get anywhere else. You'll get a limited edition Caleb Hammer commemorative coin. A budget planner notebook. A Caleb Hammer credit card skin. Caleb Hammer emoji stickers. A limited edition Caleb Hammer plushie. A limited edition Hammer Elite mug. A limited edition Hammer Elite hat. All packed inside a custom merch box. Once all 1,000 boxes are gone, this offer is gone forever. Join the wait list by using the link in the description or pinned comment down below. June 1st. This is the best membership you'll ever join. And that is a promise. That's kind of f***ing stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. Free money. Free money. You can get up to $200 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. I feel like I needed to tell her with somebody instead of me just coming out with this f***ing exchange again because she would instantly just not want to talk about it and just tell me to kick out. Did she straight up say no? To go into couples therapy? Yes. Bro. Why the no? I said, I just don't want to talk about it. Let's not bring it up again. Because I told her I'll- What? I don't want to go to therapy. Why? He does for you two. It's not necessarily for you. It's for your relationship and him. Like, I gave her an ultimatum. I was like, our relationship won't work if we don't go to therapy. You're selfish. Everything's about you. And it's because of how you grew up. Well, we can go to therapy now. Oh, now that you got called out. Now that I'm calling you out. And now that you're being an explosive selfish bitch on camera. Because I did want to talk to her about the point. Because if I did do it separately, she would just tell me, get out of my house. But you were going to. I brought it up. No, no. I was in therapy. Like, actually. Because I was going to tell her. And she said no to therapy. So when would it have ever come up? When we came to the show. That's why I applied to. No, it wouldn't have. It would not have come up in the show if I didn't bring it up. Correct? Not from my notes. Yeah. Not from, not from any of the interviews. You like to search. Huh? You like to look through people's phones. You were. No, I would. I never go through people's Reddit or people's only.com. Never. Never. Unless there's a reason. This would not have come up. That is a cope. What would you have actually done? Kept it a secret for the rest of our lives. There you go. That's the reality. If you want your camera financial score, get it for free at CalebHammer.com. See where you stand in the world of money, where you're doing poorly, where you're doing great. It'll tell you for free in just a few minutes. And if you don't want to be like a. Guess who ends up on the show? A couple of seraphim. And download the Dollar Wise budgeting app. Take the free trial. See if it works for you. And sign up for the annual version if you like it. Because that's what most people do. It saves a lot of money. And you get my personalized 30-day meal plan signed by me, mailed directly to you. And the digital version of our cookbook that goes over every recipe. It's every single day of the month. All drinks, all snacks, all meals. No more excuses to not budget your food. I've been waiting for this a long time. Dollar Wise, that app. Just say this to Caleb. Okay. Well, let's go to this. I mean, I think this is. This is Financial Honor. And this is a finance show. 53 minutes in. But this is a very important part. And this is going to be probably one of the more important parts leading. You know, going forward. Heading into marriage and all this shit. And you haven't had that. Why do you look at like three different directions at once sometimes? Where? That's what I'm asking. I don't know. She goes cross-eyed, doesn't she? No, I do not. She's kind of not all the way up there. In a way. Well, you aren't. I am. I feel like a. There's a reason why I work a lot. - I feel like I look at people's eyebrows. No, you just did it again. Because I looked up and then down. No, no, no. Yeah, but one of your eyes. Oh. You're a freak. So this is an important thing. Yeah. And you haven't gone over it. But all that shit we talked about at first. Could have been gone over. That is going to be borderline even more important, at least for now. Maybe into the future as well. And you guys need to go to couples therapy probably immediately. Star Wars The Mandalorian and Grogu is now streaming on Disney+. Hop on. This is the way. I like this kid. Star Wars The Mandalorian and Grogu now streaming on Disney+. Rated PG-13. Again, not one of the bullshit enablement therapists, which there are many of, and that cater to young pussies, but you need a good one. And it'll actually shit down your throat. Okay? I told you we needed couples therapy. Is she actually going to or is she just saying yes to the camera? You know her. Only for the camera because she hates therapists. I'll try. No, I'll try. Try? You just go? What do you mean try? Well, if I don't like it. No, is that. Nobody likes therapy. The thing is there's multiple people that we could go to and then find the one that you like. Because I don't care. I don't give a shit. No, the person she likes might be one like her daddy that just makes her. Makes her think she's great and shits on you. That's not necessarily the most healthy. Like, I don't want to be shit on all the time. And sometimes I do deserve it. Like right now, Caleb shit on me for the OnlyFans, which is right. And I feel like. And I'll shit on her in the video her and I make after this. Oh, my. Oh, spicy. We'll give it to you so you can play with yourself later, though. So the preferred card, who's this? The what? Sapphire preferred mine. That's right. They're pretty much all of you, right? Except for student loans you said you have. Mm-hmm. Yeah. No, but he's right, though. He is right, though. For what it's worth. Therapy? Stop being a spoiled bitch. I'll try. I'll try, but. Try, try, try. My dad's still there. Huh? Her dad's always going to be there. So? And also, that's not true, but so? I'm only 20. So? I'll work on it. I'll attempt to. What? Attempt to what? Work on what? What does your dad being there have to do with anything? Well, how is it my fault that I'm still there? That I'm spoiled. Oh, I thought you meant going to therapy. Oh, well, I didn't know what you were talking about. Therapy or my dad? I thought you were talking about therapy. Oh, I'll try to go. $120 minimum. Whoa, guys. I just realized. What do you do for work? I'm a lab tech. What do you make? I make powder coating. How many hours a week? Like $32? $17 an hour? Huh? No, $17 an hour. What's your paycheck? Usually average. $1,200. Every two weeks? Yeah. Yeah. Is that net or gross? She doesn't really know. It's like $1,200 that goes into my bank account. But you haven't worked a full week of work at all. Because I've been taking care of everything. That's why I said $32. Nah, bro. Nah. 17 times $32 isn't $1,200. $1,100? It's less than that. What is it? I don't know. I have your, unfortunately, payrolls combined. The thing is, she last- What do you make? I make, uh- For what do you do? I am a welder helper, and I also do spark. So combined, I make $4,500 a month. Gross. That's good. Look at you. Wow. 23 in the trades. Get you a course career certification, doubling up those trades, maybe like construction, project management, that kind of thing. Convert that into a six-figure job, like many people out there have. And unfortunately, if that is his paycheck, that means the only other thing that came in was about, $72. $72? So, unless he made less, and you made a little more. Pay active? What's that? Pay active? Pay active. Okay, I'm going to say you make $2,000 a month. I don't know. She honestly makes close to $1,600- Less than that? A month? Yes. A full month? Yes. Because she does call- But you're in school, right? Yeah. What are you studying? Teaching. To be a teacher. What teaching? Like a teacher degree school. What kind? I don't know. Yeah. Okay, well, in the major cities in Texas, they make okay money, but. I'm not worried about the money, really. It's just, well, you've never known. Well, I'd rather just like my job. He was actually correct in the beginning. I thought he was bullshitting when he was like, she doesn't know the value of the dollar. He's 100% correct. Your debt doesn't scare you because you've never had to see what the consequences are. Having a lower paycheck doesn't scare you because you've never seen what the consequences are. Maybe you have a big inheritance coming to you. What do your parents do? My dad owns an AC business, and my mom's a nurse. Oh, a nurse. AC business in Texas. And then nursing makes pretty good money, too. Yeah, they do well. Yeah. Okay. They're rich? Yes. They got a nice house? Yes. Yeah, yeah. You're not afraid of shit, spoiled bitch. Like I said, her dad would pay for the rent if I'm not there. Growing up from poor to lower middle class to eventually middle class by the time I graduated high school, I still hate people like you. You just did it again. You cross-eyed weirdo. I didn't mean to. I'm not meaning to. This takes 14 years to pay off. Your kid will say zero. Wait, wait, wait, wait. Tell you something. It's more expensive because we went to Austin last month. Why? We spent $2,000. So, it's close. So, you came to Austin today, and we're paying for it. Why'd you go last month? Last month, four days, because I thought I was going to be here. It was Good Friday. Yeah, it was Good Friday. So? So, we came. We were off. What does that have to do with Austin? Because, honestly, I honestly thought I was going to be on the show a lot sooner than what. Did we give you a date? No. Then why the f*** would you come here if we didn't say to come here? Because I was kind of planning to. I wanted a trip to Austin. I wanted a trip with Austin. Which you have now. Paid for. Yeah. Yeah, but the thing is. And how'd you spend $2,000? By the way, that's a road trip of like four hours. How'd you spend $2,000? Airbnb was like. How long? Four days. Three nights. That's a lot of money, isn't it? It was like. Honestly, the Airbnb we got last month is like right around the block from here. Okay, don't dox us, weirdo. My bad. But yeah. And then we went shopping every day. There it is. And you got your ass spoiled. I didn't spend money, though. Not me. You really did. Did you sleep with him down here? No, you did. No, she didn't. Really? Usually vacation's like a good time for like sex, even in sexist relationships. Her head hurt. I did have a really bad headache. She had a hangover. For four days? No, one day. The day we got there. And the three days besides that? No, she didn't want to. We shopped all day, so I was tired. Yeah. I don't know. I didn't think about it. Usually vacation is where people. Well, the ceiling was also way too low. Here's the thing. Here's the exciting thing. When guys don't want to have sex, I'm just going to let you in on a little secret. Here's the thing. When guys don't want to have sex, but the woman does, think about what the guy has to do. Big old show and dance and performance to get the woman to come. It's a whole medical operation. And we love it. But it's a thing. When the girl doesn't want to have sex and the guy does, give him 30 seconds and he'll finish. He'll finish on his own. That's all I'm saying. You literally. I mean, ew. Not really. I don't know. If she laid there for 30 seconds, you'd be done, right? Hell yeah. Exactly. It's like you don't even have to do anything. I'm not advocating for that. It sounds a little. But come on. It's not because you'd consent to it. I would consent to it. Okay, there we go. So there you go. We'll try. It's like, it's just easier. It's just, you know, I get it. I mean, I don't want you to have sex if you don't want to have sex, but also just find. Find your yes. Maybe you're down for a little make-out session while he jerks off or something. I don't know. Oh, I guess not. My goodness. She really doesn't want to do anything with you. You're. Well, she loves me and she's obsessed with me, but she doesn't want to give me that satisfaction. Maybe your dick's tiny. I don't know. So with this, buddy. Okay, so it's like $6,073 now? Oh, whoa, whoa, whoa, whoa, whoa, whoa. You said you spent two. Four grand, 500. What? You said it went up by two. Okay. Okay, 4,500. Yes. Well, I thought it was at two grand, to be honest with you. No, it was at 4,073. Oh, wait, wait. That's a new statement. Never mind. Sorry, bud. How many times do I have to cross out, you degenerate? Jesus. Are we that early? That early? We're an hour and two minutes in. Bro, time is going by so fast. You got lucky I didn't call you 30 seconds in. So you are a little. You kind of got like the. Oh. Look at you. Look at the way you're just touching yourself. I have an autism. I'm in small trouble. Oh, you're collecting them all. Every Gen Z-er. Shut up. Well, I was diagnosed. They all are. When I was younger, like, I guess. But it don't matter. How many times did you transition to? Six times, I guess. Yeah, there and back, there and back. $120 a month. 4,073. Takes 14 years to pay off. And as I was saying earlier, your kid will still be zero years old because he still wouldn't have put one in you. Your life is. It's okay. No, I would want to give you a baby. It's okay. See, she'll never leave. She'll never leave. She thinks she cares about that. She'll never leave. No, I do care. I do care. But I think we could work. I feel like if we just. With no kids, zero kids forever? No, I want a kid. I want a kid as well, but I don't want it so early that it affects our financial. Because I want us to be debt-free. But that's usually why people don't have kids, though. I mean, you don't have to be perfect to have kids. But the amount of debt that I have. - It is chunky. It is chunky. As a young age, it's hard to bring something in to fucking buy a ride. Well, actually, it gives you the best opportunity to have it at a young age, by the way. But NTTA Online, what's that again? How do I know that? Is that tolls? NTTA? Yeah, yeah. Why the $477 a tolls-y creature? By the way, you can drive without tolls a little longer. Yes, you can. Shut up. It was accumulated for as long as I tried. No more tolls, asshole. Texas Roadhouse, Retro Boats, $180. Terry Black's, am I right? That shit was disgusting, $200. But we didn't know how much it was. Yes. We didn't know. They don't tell you prices when you walk in there. Well, yeah, barbecue's expensive, but you got the worst barbecue for expensive. Lululemon, we did a blind taste test the other day. Its brisket was not even close to as good as Butter Place's brisket. It lost the brisket test by a lot. Lululemon. Lululemon's boots, $400. That was these boots that I have on right now. He already has boots, and he don't even wear boots. Oh, no. Oh. Sorry. He don't even wear boots. Well, he is right now. The jeans are $80, same place. And the shirt, he has one. Just these people. So this was your trip to Austin, because that's where Alan's classic store is, right? Yeah, yeah. There you go. Lululemon's here at the domain. Lulu's everywhere, though. Farrah's Italian restaurant, getting some bullshit. Geez, you've had a late fee this year. Yeah, he's had a late fee this year. You want to get with the guy that gets on Payne and Bill sometimes? She doesn't know what that is. Oh, it's late. I think she knows what the word late is. She is the dumbest person I've ever met, but she knows what the word late is. I don't know what a late fee is. How are you late? I don't have auto pay on that card, and sometimes. Sometimes, I just forget. That's who you like? She finds that hot. She finds that hot, actually. That just grossed me out. That was gross. But. I bet you don't even let him go to a room and play video games on his own, do you? Nope. Yes, I do. Oh, no, no, no. You're obsessive. You're a weird one. No, she doesn't. Oh, I know you don't. Because I have a game room, and if I'm in there for 30 minutes, she wants me to do something else. That's why I have. What is wrong with people like you? I'm so glad my girlfriend lets me play video games. I don't do anything like that. Because you just want me. By your side, watching the things you want to watch. And if I'm watching Caleb Hammer, you're like, turn him off. What the f***, bitch? He's too loud. Why is he yelling? Why is he so mean? Because he just plays it and walks around the house. Yeah, I'm good background noise. And you do yell a lot, so it's loud. Like, I watch him. You listen to me in the background. That's why he wanted us to do an Eiffel Tower on you. Because he's such a big fan. I ain't a big fan. It's a sexual thing. Oh, I don't want to know. Or we both stick it in. Yeah, I don't want to know. Let's go. Okay, I'll actually give you kids. Jeez. And I'm not late on my credit cards. I didn't say that. Did I say that? You were late on your credit cards, dude. Well. Still paid for it. Interest is accruing. Late. Oh my gosh, what is this? Klarna or Affirm? One of them? This is the most insane balance I've ever seen on one of those. So, Affirm, literally everything. Oh my gosh, dude. You owe 8,448,071 cents at Affirm. I've never seen. I've never seen that on my. He was supposed to stop. Okay, so I did tell her I was going to stop. Oh, just like your. Okay, I am addicted to credit lines. He did have it paid off. Oh, we're finding new addictions. We're just collecting them. That's like Pokemon cards, dude. But. No, this isn't all Pokemons. No, no, no, no, no, no, no, no, no, no. It's on tools. Tools to work on. Oh, it's even like almost worse. And tools for work. Like, it goes hand in hand. Why are you with him? He's a tool collector. Not a tool collector. He's the worst. But, like, I don't have. I don't have any base to buy tools. So, I use Affirm to purchase these tools. That's a lot of money. What's your minimum? I'm going to guess it's like. $758. How are you okay with that? I didn't know that. You don't know anything because you're not willing to talk to him. No, he said that he paid it off because I told him to stop. I did pay it off. He's probably paid off like a purchase here and there and not the whole thing. No, I have, Caleb. I have, but. You should give him reward blowjobs for making progress. Not this. We're making progress. There's no progress. No progress. You're. Well, the thing is with the home, like. I can show you my Affirm so you can have a greater understanding. No, it's okay. You sure? I'm okay. I saw it there, but you're just getting tools and ripping packs and being. The reason I got the tools. Okay, fine. Let me see it. The reason I'm getting tools and everything is because I wanted the. The little truck pulls up and you're like, ooh, can't wait. No, no, no, no. Right? Isn't that what happens? No, because. That's what happens with the car mechanics. The thing is I go to Home Depot and buy these tools because. Like, Home Depot has deals sometimes on, like, Milwaukee tools, which is a brand that's really expensive in the tool space. Show me your Affirm. Yes, sir. You freak. You three-way watching freak. It's just. Yeah, it's the same. Actually, the same balance as I made progress once. Go to next month and you'll see. Quiet, boy. Jeez, boy. Minority. Minority. You're a white Cuban. Shut up. I'm so sick of people like you. There's people that are Middle Eastern. You're white. You get all the privilege of white. I'm actually 12% black, dude. And I'm, like, 8%, okay? So I don't go around and claim it. I don't even claim my native shit. Listen, the thing is, it doesn't. All that matter. Do you actually face the discrimination or not? Because everyone that's like, oh, I'm all this, I'm this. Have you faced any trouble? No. You've been treated like a white person your entire life. Yes. Because you're white. I'm privileged in a way. You're 12%? What? You're 12% black? Yeah. Say it, then. Mm-hmm. Huh? Doesn't sound like he is. 12%. Okay, lots of Home Depot. Amazon Car Parts. America's best in-store. Harbor Freight, Home Depot, Airbnb. Nine of 12. He's borrowing these at. You wouldn't even know what a number is if I told you, but. 32% interest. Yeah, it's crazy. And he's nothing to her. That's bad. Uh, father, I'm sure you're great and you want her. You want her to be like a princess spoiled by a man. She does need to know a couple things and interest is one of them. You can go ahead and teach her because. He's watching this? Yes. So he's watching me talk about doing an Eiffel Tower with. Yes. Wait. Your husband and. Yes. Okay. Well, now I feel awkward about it. I'm okay with my parents saying that and my girlfriend saying that, but your parents? Sometimes those Home Depot prices is because I wanted to do something for her. I built her a bench. I built her. Paint, stuff like. You built her paint. Not paint, but I painted a room, like a closet for her and it was pretty expensive. You're a little Mexican, aren't you? Yeah, yeah, yeah. This is insane. Yeah, and they're all at very high. So he's not affirming them in like an actual interesting arbitrage way where he's like stretching out in four payments at zero percent interest. You don't know what any of this. I didn't know you could go that high. It's even worse. On a firm. Well, they always update it because I always make my payments on time and I always purchase things that they like. Yeah, your payments on time of like your 40 payments for one purchase, you're still losing so much in interest. It doesn't matter. Oh, I got it right now. And tools hold their value. Tools do hold their. You can sell them. Well, I won't sell them because I need them. I do need them. Not every single one. I know tool people like you. I've had many tool people like you always get more tools than you need, nicer tools than you need. Uh-huh. $8,000 for tools is not a lot. Plus, Airbnb was on there. So you gotta. Airbnb was on there. It was also. It was like a 15-month payment. That was the one for Austin. Yeah, it was like a full year's worth of payments. Yeah. But the thing is, they do hold their value except for. You're marrying a poor. Your dad's gonna be very disappointed. He's. Yeah. I don't think he cares about the Cuban thing. I think he cares that you're poor. I've been. You're affirming 12. Like an Airbnb for a year at 30. Hop on. This is the way. I like this kid. Star Wars, The Mandalorian and Grogu now streaming on Disney+. Rated PG-13. What do you percent interest from? That's weird. Why don't you just ask? Okay, Mrs. I buy coffees every day three times a day. Three times a day. But I pay 'em off. I pay 'em off. I paid it off. I bought the coffee. No, you didn't. I didn't affirm it. The only reason you can't use your credit card on coffee is because you already have. You maxed out on your credit card. It doesn't bother me. I wonder why it doesn't bother you. 'Cause if you ask your dad for $500, he'd probably give it to you. Am I right? 'Cause who do I have. Who do I have to support me? Not you because I can't ask you for money 'cause you're already broke. I can't ask my parents for money 'cause I am independent from my parents. I like to be independent from everybody. I like to do things solo. That's why all the debt's on me. Because I like to do things by myself. Well, that's good for you. What? You don't have that desire for you? I want. I mean, in the future. No, you don't. No, you don't. You want your dad to be around forever. I want my dad to be around forever? Yeah, to spoil you. To make sure you never have to worry about anything. Because I want to travel and do things and everything, but. And move away. least an hour so i can do my thing you know like get a higher paying job in essence so i don't have to do another job so i can spend time with her so like if we have to like live three hours away from your father you're gonna throw a fit i'm not willing to do that starbucks is bullshit and a waste of money and you already know that by making your coffee at home and investing the rest so now you need to do that with your energy drink as well make gamer subs at home for just 40 cents a serving and honestly it literally tastes better and we proved this accidentally via a blind taste test in our hammer elite show fat and fatter the number one ranked energy drink is literally the cherry flavor is insane listen you can also get free samples to see if you like it or 10 off your order at gamersubs.gg or click that link in the description below type in the link in the description below and we'll see you next time in code caleb stop bleeding out money making minimum payments across multiple high interest accounts most americans are spending hundreds sometimes thousands of dollars that could be going toward actually paying down debt instead of aligning some bank's pockets and look if you're sitting on high interest credit card debt a car loan at 18 or oh my goodness a payday loan charging you triple digit interest rates you need to hear this if you've already cut up the cards and built your financial habits but you're still drowning in interest payments barely making progress this is for you i have opened my very own marketplace a personal loan marketplace that lets you get personalized offers from multiple lenders in one place you can see if you pre-qualify in minutes and it won't impact your credit score but here's the deal this isn't a magic bullet if you refinance your debt but keep swiping you're just making the problem worse you still need to fix the behavior that screwed you in the first place you still need to fix the behavior that screwed you in the first place you still need to fix the behavior that screwed you in the first place you still need to fix the behavior that screwed you in the first place but if you're serious about getting out of debt faster you could potentially lower your monthly payment by securing a single payment at a much better rate check out the link in the description below to see your personalized offers or go to calebhammer.com and remember you still got to do the work well for how far are you guys the downtown dallas downtown dallas is like an hour oh so you have a lot of range then because that's like the best job opportunities metro in the united states well so you don't have to be three hours away no like for what i'm doing yeah but no even still it's a it's about to be the third largest metro the gdp is almost a trillion dollars in dallas for worth alone you're you will have trades opportunities in dallas i get that but like the thing is i would want to be closer to my job and because yeah that's fine well how far away are you willing to live max an hour no but you wouldn't your dad wouldn't let you live in dallas there's like a trillion suburbs you're in one of them i know and you can still what i know but like a nice one and also you could what's that nice part west village there you go live in west village your dad will be proud west village but yes you'll never be able to afford it but exactly but the thing is but you will when you leave him and get a wealthier wife hi there i am fully charged and here to tell you toy story 5 is now on disney plus it's been too long cowboy woody buzz and jesse are back for a brand new adventure with some seriously cool new tech what holy butterscotch you said it jesse so save your batteries and watch the global phenomenon at home and the best part it's perfect for the whole family power up your movie night and watch disney and pixar's toy story 5 now streaming on disney plus rated pg man yeah that sounds like a better idea i didn't know he was this bad and a plan oh it's so gross i don't think about dude sex isn't gross that's gross i don't want to think about it i don't want to think about it i don't want to it's gross watching people have sex like i understand it's addictive there's bad things it's right now there's some young men that they only watch and jacking off so they're not going out and like doing things but if you're doing it in a healthy way like what's the gross part dude that's not healthy though no yes i'm not healthy but no we're all saying that well the thing is i'm not healthy with it but if i do become healthy as a concept i don't i don't know if you can become healthy probably not you've struggled with this since seven which is kind of uh there's a bunch of saver cards okay well this one's at 514 dollars and 83 cents hers no one's mine okay well you're not paying it all off like you just said you know i didn't say i paid it off i said she was over maxed out didn't she just say i get my coffee and i pay it off yeah yeah that was her debit card my debit card that she paid off your debit card no like i don't offer my coffee i could go buy it and it comes out and i don't have to like pay it for it she's saying that her debit card pays for it because her cards are already maxed out so she can't you use her credit card for it she's wearing a jesus shirt and you're jacking off to women having three ways we we do not understand this this is like weird i don't think you guys are aligned on values yeah you're over maxed out 14 18 83 cents above that 500 limit you purchased 232 dollars and allowed interest to accrue because you're spending on a card you're only putting a minimum monthly payment too she doesn't care about it bro at all she doesn't care about her credit card she doesn't care she don't care she's like well it's not i'm young i literally don't be with her no no i understand okay she's probably an attractive for you and stuff like that but like why why why attach yourself to someone that's not gonna give a shit because she will pull down the relationship further in in life without daddy and everything thing is she she will after this conversation i just know uh nah not with the response she just gave she just gave a shit i i do pay it off sometimes what are you getting at the gas station for eight bucks it ain't gas energy drinks yeah throw it through good news gamer subs congratulations lawyers yeah you signed a document i'm not reaching for that please because i probably want it oh it's free yes well i didn't throw it at you and make you pay for it so that's 40 cents a serving just like you should be making your coffees at home now instead of putting it on credit cards you listening yeah you're gonna make your energy drinks at home now i mean i have but they taste better they actually do taste better they're incredible uh get your free samples link below with my code caleb figure out what flavor you like and then once you do order them with a 10 discount and you will be getting the energy drinks of your choice for 40 cents a serving it's delicious gamersubs.gg does it taste like red bull queso uh red bull's like the worst one but um uh i'm sure there's one that matches that flavor profile ginger yeah i don't know what his flavor is i haven't had that one looks good wait is your flavor coming out soon so energy drink doordash and chick-fil-a raisin canes i think energy drink bullshit for sure clean start car wash probably don't really need to do that in dallas panda express water burger energy drink doordash and mcdonald's bullshit in and out in the austinite market which i've never even heard of as an austinite austinite market what the hell is that how much is it for 28.97 oh okay so might be gas thrifting uh she's had a late few this year so far no expected just expected well she was freaking out about you having one but she's had one herself there's probably a bunch on there like the judge here no it's not a joke i know i already know i mean it's like again like at 20 i was an adult i could i was doing shouldn't take any responsibility but you're right among your generation something happened where 20 year olds now are like what i was like at 15 so i i don't know how would you treat you should i treat you like the child you pretend you are and just be like oh yeah she'll figure out at some point yeah she's just a kid i want her to figure it out now i do too but she doesn't she's i probably have more because i i do care about it me being like kind of independent for my family and not relying them to pay for my stuff my dad's like i don't care about it i don't have the money for it my dad doesn't pay my credit cards but he would but he would interest if he knew about it probably who has the one main financial auto car is it a car no uh consolidation no why the only only only reason i got that is because of you caleb because i thought i was gonna do it right but i say don't do it unless you change your behavior that makes no sense i i i didn't but i was like let me let me do it see if that's not what i advised because we actually do personal loans and everything on calebhammer.com for great rates and credit cards and i'm not saying that's not what i'm saying but i'm saying that you can do it if you're a credit card person and you're not and only with people who've changed their behavior before they do a consolidation or personal loan which you didn't so no i did not suggest that that doesn't make any sense well you're hell yeah but the reason i got it is because our roommate was moving out and i needed also extra money from that loan and uh i think like the truck's collateral for that as well if i really yes what interest rate uh i think it's 28.39 percent what's the point of a consolidation loan at the rate that like the worst credit cards are at anyway because my credit cards are already that rate so what was the point of the consolidation then to pay off three so i could get rid of that monthly payment because that was the monthly payment my monthly payment for the sapphire preferred before the 120 used to be 300 because i over maxed it out because we went to a cruise and we over we overdid it we put seven grand on a five uh five grand limit and being told her big financial shit has not been blonde anymore. She's dyed her hair brown, but you don't look blonde to me at all. Look at her roots. No, I used to be blonde. Oh, you already dyed brown? Yeah. Yeah, bro. To save money. What? To save money. Why didn't you just stay blonde? Because I'm not naturally super blonde. What are you? Like, regular blonde? She's a strawberry blonde. Isn't it costing money to dye it brown and not just leave it natural? No, because I want to be. When I dyed it blonde, it was bleach blonde. Like, just leave it normal. No, it would look bad to grow it out. Oh, when you grow out. I understand what you're saying. But now you'll let it go natural. Yeah. To save money. Not really. You just wanted to change your hair color, bro. Be honest. You just wanted something different. Well, yeah, the blonde was kind of boring. But I did do it because I didn't want to pay $1.55 every eight weeks anymore. $7,654.95 is what you have in your personal loan at that nearly 30% interest with $240. $240.97 minimum monthly payment. Yeah. That's crazy, dude. I know. Freedom card. What's this? Mine. Oh, there's your, I think, dyed blonde, right? Yeah. Mm-hmm. Mm. Ugh. What the f. You do look Mexican in that one and you look like a meth head in that one. Something's wrong. I don't even know what picture it is. Both of you look good in person, but you both look horrible in this picture. I don't even know what. Okay, it was a bad picture. I picked out the picture. I picked out the picture, bro. Neither of you look good in that. My bad. You look good in person. You look good in person, but it's just like. I don't know. Thank you, Caleb. Okay, freedom card. Mine. Okay. I got it when I was 19. I just used it, bro. I got. Oh! Maxed it out. Didn't know what a credit card it was because my parents don't have credit cards. They don't know what credit cards are. Yeah, they're legal. Not legal. If you swam to the beach, you would have been, you know, a citizen back in the day, so. Did they hit it in person? At the time? Yes. They came here when cash flow was kicking everyone out. That was, you know, prisoners. Good for them. Ended up in Buffalo, which is weird. $693. Not maxed out. Not great. Only making them a little more than the minimum, but nothing's crazy. So you owe $693.21 at a $40 a month minimum monthly payment. But your purse is sitting on your other credit cards, but not this one. No, I know. I had the other ones, but not this one. Because I'm scared with that one. Why specifically? It's the $21. It's the oldest one. It matters more. What? It matters more. Okay, well, 21 months to pay that one off. Of course, the first one was like 12 years, but. And you've paid on time, too. Quicksilver, who's this? Which one? Also him. No, no, no, no, no. I don't know what that is. What does it say? $223.81. Yeah, mine, mine, mine, mine. Well, she's authorized user. I don't use them. You are? Why would you want to be attached to this dude's horrible credit? He put me on it. Well, I used to pay off my cards all the time when we first started getting together. $25 minimum. Monthly payment. You're purchasing more than you put towards it while interest is accruing. See, you immediately f***ed up. Chicken Express, McDonald's bullshit, McDonald's goodwill, blessed hands. Blessed hands is my barber. Okay. Don't be surprised if he's going and getting a happy ending and special massages soon, by the way. Oh, he's a guy, and I met him in high school. He's there for like three hours. No, I said soon. Oh, okay. Yeah, when she's not making you come, yeah. Okay, this Sabercard's paid off every month, so I'm not going to freak out about this one. Someone's buying Amazon. Yeah, it is a lot of credit cards. Well, okay, credit cards are down. Someone, who has a Chase checking account? Me. Started with $44. It's crazy. You want to, do you want a traditional, what do you want this relationship to be like? You want to be a trad wife? No. I think so, because she said that she doesn't want to, she wants to have a baby and then take a year off work. One year, but I want a career. Oh, that's not trad, though. That's just a year off of work. Not her whole life. Huh? I want a career. Okay. Yeah, you're going to be a teacher. Making our kids more. But I'm just concerned if he's going to be the breadwinner. $44 is a scary beginning balance. Anything at $235 at least, but it's still not good enough. Apple bill. Netflix, coffee, McDonald's, Tom Thumb, Japanese, Thomas Forbes Jr., the county seat, O-Face Flavors. The county seat? That was at the sipping, drinking shop. Strip club. What? It's like a bar. It's a bar that we go to. To buy trinkets and stuff. I didn't get that. They have like vendors and stuff to go out there. There are 20. Amazon. Like energy drinkers and bullshit. Bullshit. Whataburger, Subway, Waffle House, Panda Express, Apple Bill. Buddy, if you want to pay off your debt and you want to fix the financial situation, why is it pages and pages of bullshit? You're going out like twice a day minimum. Tom Thumb, McDonald's, bullshit. Van line, Monkey's Village, Bird Bird Biscuit, a whole coffee, La La Land, a brand shop. That's all in Austin? Yeah, there's bar partners. Couldn't afford it. Museum of the where? Weird. Weird. Oh, yeah, the D cut off. Austin Souvenirs, Jackal. Austin Souvenirs. It's the same state. Why are you paying souvenirs? We're traveling from like Ohio. Austin is a different culture here than it is in Dallas. Sure, it's not that. It's walkable. Well, I mean, Uptown's walkable. It's more liberal as well. Dallas as a city is liberal and Uptown's very walkable in Dallas. No. There's, Uptown is very walkable in Dallas. I'm not real. What are you talking about? I know Austin and I almost moved to Uptown. Yes, it is. So, the reason I'd say it's not walkable is because there's more homeless people in Dallas that could draw. Not in Uptown. There's more homeless people in Austin objectively than Uptown. Okay. Hey, you're right. Wrong. Okay. You don't know what you're talking about. Birdaff, Jackalope, DoorDashing, DoorDash, DoorDash. DoorDash was in Austin. That's what I have. Black Rifle Coffee, Panda Express, Dutch Bros, Chipotle, McDonald's, or Ranger, McDonald's is crazy. Roku, bullshit. Red River, stop. Panda Express, Apple Bell, Apple Bell, Apple Bell. It's probably his OF. Maybe, who knows? Road Ranger, Airbnb, Chicken Express, Taco Bell, bullshit. Bullshit, McDonald's. Thousands spent on bullshit. Going out to eat, bullshit. Miscellaneous bullshit, crazy. Miscellaneous bullshit, $2,000. Bullshit food, going out to eat, $1,600. You can't complain about being in debt. You guys are just being, kids having fun. You're f***ing with me. Okay, first bank, I'm guessing that's you. Mm-hmm. $17. Started with negative $8.95, by the way. What? Here is who you're going to be with. What? What? She doesn't give a f***. Look at her. She's like, she has Down syndrome or something. She overdrafted $55, asked her dad to give her $100, and he gave her $100. Yeah, it's for all the bullshit spending she does, by the way. The Connoisseur, Moby Dick's Gift Shop, Island Sports, The Islander, St. Joe's Pizza, Sharon's Totally, Bullshit, House of Sports, Cash App, Cash App, Cash App, Cash App, McDonald's, or Apple Bell, Subway, I Love Nelson's Spa, Hill Cafe, K-Ritz Brewing, Paige Davidson's, Brass Bunny, Bullshit, Red River Stop, Bullshit, Venmo, Cash App, Wendy's, DoorDash, Bullshit, Seven Brew, Bullshit, McDonald's, Cafe, I Love Nails, Bullshit, Brahms, Cash App, Taco, Casa, Hill's Cafe, Coffee, Lenny's, Trailer, Bullshit, Austinite Market, Howdy's, Vintage, Macy's, Wendy's, Road Ranger, Wendy's, Road Ranger, Seven Brew Coffee, Apple Bell, you guys are degenerates. You know, the money you make, if you weren't investing this properly, especially with the blessed situation with the house being purchased that she has, you guys would be multi, multi, multimillionaires by the time you're retired. This is pathetic, the way you guys are living. Pathetic in every way whatsoever. You should be embarrassed. I am. You'd have the best futures out of anyone who's been on the show if you just acted like, adults. You don't go to McDonald's every once in a while? I can afford it, and unfortunately, no, I'm banned. Not McDonald's. Well, he's on a diet, bro. My girlfriend. Well, not really. I'm kind of flatlined. But even still, I don't want to gain. Well, I mean. We work out, so we can eat. $1,213.97. That's your minimum monthly payments. Now, rent, we don't really have it, right? $14.30. It was $14. How? I thought you bought the house. I paid for it. I didn't pay for it. Huh? He bought it, but we paid. It's a mortgage. It's an LLC that purchased it. Sake. Okay, so what is it? $1,430. Utilities, gas, electric, internet? Our gas, electric, internet, $55 for Wi-Fi, $100 for water, $175 for electric. No gas? No, no. $3.30. Phone? Phone bill. Phone bills is $240. What the f**k? $60 because my brother is on my line as well. Okay. $180. Gas, Vroom Vroom, drive, drive. $400. Because I do Spark, and that's a delivery thing for Walmart. Car insurance? What about your gas? I pay for it. So, $100 total? $400 total. $400? $400. $400. Oh. $400 total. And then $284 for insurance. $600 for groceries. Totally fine. Meal plan. TP fund and anything else to survive $200. Tampons, makeup, haircuts, all that good stuff. Medical healthcare, co-pays? She goes to the doctor often, and she has actual debt from her doctor. What's wrong with you? She. Besides, like, you look at places. She has depression. Mm-hmm. So, what's your co-pay? $70. How frequently? Doctor or therapy? I thought you were doing therapy. Doctor. $70 a week. $70 a week. You're anti-therapy, but you have depression? Yeah. What? She doesn't want to talk to a therapist. Who are you going to for $70 a week? My doctor. Her physician, bro. Mm-hmm. Like her clinic. She goes to. What? A week? For what? Not a week. I don't go every week. Yeah, you do. You take off work for that reason, and they. I owe $270. You gave them more than three doctor's notes this year, and we're only in May. Oh, wait. But that's not once a week, though. No. No, no, no. This month has been once a week. Is it $280 a month or not? What is it? What do you think? Co-pays. What do you think? I don't know. I pay like $270 in co-pays this month. Oh! So, however. Yeah, exactly. Because you keep going to the doctor? Why? Because he keeps changing my medicine. What? That quick? Yes. Yeah, because if I don't think it works, I'm not taking it. So, I go back. Okay. Yeah, you're horrible. Well, I don't want to take medicine for no reason. But you don't know. It takes time for something to work or not. Well, she doesn't want to talk about her problems with anybody. You don't go to a. Her doctor advised her to go to therapy, but she doesn't want to. Not even just doctor. What about the one who. Psychiatrist? Yeah. Oh, I don't talk to them? That's the one who's better at prescribing medicine, usually. Dude, you're weird. I just see my regular doctor. Yeah, shut the f*** up. $80. You have no hope. $80 a month for subscriptions. Anything else that needs to be in this budget? Do you have any pets? Yes, we have. Pug. Actually. His name's Apollo. He's two years old. Okay, $50 for pet insurance. How much for pet food? It's around like $40. Anything else that needs to be in here? Do you have anything else? Well, she also makes $185 every two weeks with her dad. I clean offices. I clean his office. So, yeah. So, add that to income as well. We don't have any other subscriptions or anything. I think we've added all up before. I did. You didn't care about it because you didn't want to listen to. Okay, so a couple of things. You mentioned in the green room you have a Best Buy credit card. Yeah. It's $153. I used it for my. $153? $853. What's your minimum, asshole? $30. $30. Oh. Sorry, bro. I didn't hear you. Like, actually. What's your minimum? $30. Okay. Oh, what is this? It's an upstart as well. Oh, yeah. That's $2,000 for another two credit cards because I have five in total. Dude, there shouldn't be more at this point. Oh. Minimum payment is. $70. $70? I mean, man. Okay. So, now it's $5,000. $5,000. $177. $97 a month. Dude, what the fuck is wrong with you? Are all the credit cards on there? How much does she get with her dad? Yeah. Uh, $175? What'd you get? $175 per? Per two weeks. So, twice. That doesn't really. Okay, but even still. If you combine $6,450, which I don't even know if we should at this point. It's just like, what a mess this is. Okay, you have an extra $1,272. Let's give you $272 in fund money. So, I feel like we'd do pretty good if we have extra money. Yeah, that's not how this works, bitch. Because all we're going to do with the extra money is do stupid shit that we have been doing. I need the top of your document. Where is it? There it is. You have it. Okay. How much did we spend last month? Did I say $12,000? Uh, yeah. How much did we do? How much did we make, babe? Maybe. Come on, babe. Maybe. You don't know where this is? Well, that's not your actual income because there were like Zells and stuff. It was weird. You guys made like, actually like, it was like almost $5,000. Okay, either way. Listen, it takes two years to pay off. That's totally fine. And I gave you a fund budget that people don't get of almost $300. And save up a six-month emergency fund. Then live 50, 30, 20 for the rest of your life. You guys will be multi-millionaires. This is the easiest thing ever. You're just a spoiled bitch and you have no money. No self-control. You guys are crazy. I want to see how you guys text each other. Oh, really? Okay. Yeah, so I'm going to be going through that in the post-show. We're also going to call her dad in the post-show. There's also something else absolutely crazy. Um, okay. We'll see. So make sure to join us in the post-show. Let's get the Hamer Financial Score. Spending and a budget. Overspend $0.10. Dad, no collections. I'm doing household here. I do have collections. $1,000 and then $600. Why am I finding out debts an hour and 36 minutes in? Uh, it should have been there. $0.10. Go f**k yourself. No savings. $0.10. No retirement. $0.10. Who's on the title for the house? My dad. Just the dad? Not you. So $0.10. Go f**k yourself. You have access to the LLC? Does it? Okay. Hamer Financial Score. $0.10. Get yours at calebhammer.com. Join Hamerly. Click the join button. Get three premium shows posted every single day, six days a week. Join us for the extra 20 minutes of this episode. Call the Financial Auto Post Show. It's going to be a good one. We're going to call the dad and I'm going to fucking expose this guy for OF. See you there. Call her dad and admit to your crimes. Wait, you have to call her? Oh. That is insane. Hello. Hey, so we're on the show and I just got exposed for only f**ks and I also watched f**k and they wanted me to tell you that. June 1st, I'm launching the Hamer Elite app, available on every major platform. Join the wait list by using the link in the description or pin comment down below to get a never before seen financial audit video and then an exclusive offer. Thank you. Thank you. Thank you. Thank you. Thank you. for you you'll get lifetime access to the entire hammer elite catalog and our hammer for life box packed with limited edition merch so mark your calendar june 1st this is the best membership you'll ever join and that is a promise hi there i am fully charged and here to tell you toy story 5 is now on disney plus it's been too long cowboy woody buzz and jesse are back for a brand new adventure with some seriously cool new tech what holy butterscotch you said it jesse so save your batteries and watch the global phenomenon at home and the best part it's perfect for the whole family power up your movie night and watch disney and pixar's toy story 5 now streaming on disney plus rated pg