Financial Audit’s Biggest Gold Digger

- To watch episodes of financial audit a week earlier, check us out on YouTube. - Up until you're ago, he was kinda so on the edge about like being the provider and me like staying at home and spending the money. - Two months in, that's kind of crazy. - It was crazy, and I've been up like, - That's fucking crazy. - That's like gold digger. - As a man who's trying to court you? - No, I don't think that I should be-- - Who the fuck are you? I'm like, okay, so you're just using this guy for his money and you made it clear that he had no chance, but you had no problem taking his money, and I'm like, okay, so how am I gonna be any different? - You were telling the producers in the whole onboarding process that you love the finer things and that guys provide those things for you. - Otherwise, it's finally here, sending waves to the personal finance world. 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Go to katelapamber.com/apply or click that link in the description below. - Hey, I'm Katie, I'm 24 years old. - I'm Michael, I'm 30 years old. We live in Austin, Texas. - And this is Financial Outlet. - Locals, I love it! What do you do here, Katie, for a living in Austin? - I am a stay-at-home mom. - Oh, you sure are. I did see a two-month-old child out there. Very nice, congratulations. - Thank you. - Congratulations! How long have you guys married? - We're not legally married, but we're. - Maybe some common law. - Yeah. - Why are you impregnating him? - She can show them the ring. We're married, huh? - We're married. - Okay, but. - Well, technically engaged, but not like. - Not federal, okay. - Okay, technically engaged, but not like that. - You're not married. - Yeah. - Why impregnating her? - Before. - Mariner, no. - I didn't impregnate her. She's not a hoe. I got her pregnant because I knew I was gonna marry her, so. - Maybe we complete that step for the sake of the child. - Not necessarily. - Not necessarily? - No, 'cause there's definitely benefits to not being married. - Okay, did he give you herpes, too? - A long side of that? - Because I burnt my lip. I burnt my lip. - You burnt your lip? - Yes, I burnt my lip on hot coffee, yes. - Who wants coffee? Anybody want coffee? Who wants coffee? - Who wants coffee? - It's not like, let's just like go. - You drink a lot of coffee? - Yes. - Oh, I thought you drink Gamer's Soaps. - I drink Gamer's Soaps for energy drinks or the caffeine-free version, thank you. - So yes, I drink coffee like a normal person and I've never burned my lips. 'Cause when a hot coffee, so I wouldn't know. - And when hot coffee's hot, I don't-- - Well, at least mine's a burn. I don't know what yours are. Yours-- - Acne. - Yeah. - Acne on your lip? - Yes. - Acne usually comes from like a poor, right? - Well, this is mostly fat and fat. Or we eat a lot of greasy fat. We do it in favor of hammer-leach, though. But you unfortunately are too, to not know, to put your lip on a hot liquid. - Yeah. - Hopefully you're not too, to have a good pain job. - I'm not fat, though. I'm not fat. - He's not, he has to take that. - Oh, it's muscles? - Okay, it's all muscles. - Better shirt, then, because that one, unfortunately-- - I was going to, but I do want my lip was to show, so. - Okay, we wouldn't have complained. What do you do for a living and also-- - I would have liked it honestly. - Yeah, you probably, I do, I do sales. - We like sales, that's what I was doing before. - That's why I do sales. - Yeah, because I was doing it before. - Yeah, yeah, I've been watching for a while. - Yeah, I used to be like a super fan here. - Not a super fan, not a super fan. - Okay, if you're doing sales, 'cause I did sales. - No, 'cause it was-- - Stand up, show us how it sticks back. - No, no. - Well, stand your ass up, yes, absolutely. - I'm going to show you my six pack, but. - Yeah. - Just want you to take your shirt off. - He's, he's, he's, he's getting a new chair. - Thank you, thank you very much. - W Mark Martinez, we love Mark Martinez. - Thank you Mark. - Thanks Mark. - Good, what do you sell? - Pest control, so yeah, then best control. - Okay, yeah, you guys are really f***ing annoying, I'll be completely honest. I tell you guys to get away from my voice, like on my nest, I'm like, dude, stop it. And then you guys keep coming, it's really annoying. - Well, so how much are you making? - A lot. - This year I should make like $200,000. - That's really good. I wonder if you've been doing this? - I've been doing sales for like four years now. Yeah. - Okay, okay, that's about $200,000 every year? - No, no, this will be the first year. I cleared $200,000 last year, it was like 120. Year before that, it was like 60. Year before that, it was like 30, 35. - And how the f***, why are we so confident on this 200 number? - Because I'm a dog. I'm the best guy in the industry. - I'm caught from a different cloth. I'm a different breed to most. They don't make men like me anymore. - That's, it's just, I made $120 last year, $200,000. That's gonna be-- - I mean, if you continue that same percentage of growth, but I feel like, I mean, at some point this is, okay. - Yeah. - Well, yeah, we're like seven months into the year. What have you made this year? Let's start there. - I think a, can I check? - Well, yeah, you can check, I would, usually sales guys kinda know their numbers. - I think it's like $100,000. - He's told me like it's like $120,000. - Well, then you might actually be on track, but we are in past season for what it's worth. - Well, so I do specifically termites in rats. - Oh, shit! - So rats are worse in the wintertime. - Okay. - In termites I usually do mostly in the summertime. - Well good. - So yeah, 102 gross, 80 net. - Well done, are you a contractor? Are you getting-- - I'm W2. - Okay, good. So, well, what is hitting your account on average monthly basis? - On average this year, it's 12,500 roughly. - Oh, dude, yeah. What is not really good is how is someone making that amount of money who just brought a kid into the world? - Yeah. - I'm this show with this much paperwork. - Well, there's no credit card debt. - Are you sure about that? - Doesn't matter. Well, the credit card debt doesn't equal, like, okay, I don't have credit card debt, so I'm in a good position. Yeah, this much paperwork in New York, except that I'm financial audit. Here's the fun fact, buddy, you're not doing well, even if this isn't credit card. - Wait, I just saw a credit card. - No, you did. - Oh no, I saw, car max, even worse. Okay, so you're gonna brag about that way. You think you're better than other guests on the show? - No, no, no, no, no, no. - My spending is probably the worst, it's gonna be the most heiniest spending that you've seen. - So why is someone making that much money on this show of which it is? - That's what I was trying to explain so many. - It's a lot of debt, though, buddy. It is a lot of debt regardless of what's credit card. It's not that you spend money. What do we do? - So basically, I've been a fan of like, you know, you Dave Ramsey, the money guys, the whole thing is-- - Money guy, if you're a real OG, sorry. - Sorry, sorry. - But the whole policy is make your, get your money up. It was get your money up and then something of this. - That's what I said. - The first step, first step. - Excuse me, is that what I said? Have I ever said that? Get your money up, is those what you do? I think the first step is actually budget the money you have. - Well, if you don't have money, how can you budget? - Well, yeah, you have to make-- - You have the budget. - No, I barely had money. - Oh, before, I guess. - It's not money. - Let's say you made a hundred thousand dollars. - Yeah, so that's the first thousand. - Over a hundred thousand. - Those are the first year of me that much money. - Yeah, but even the year before that, what were you? - And I just had like 60 or 70. - I didn't know that much. - I was like 60, 70, something like that. - You're before there was like 60. - You can budget that. Yes, you can. And she probably had her job before you had the kid, right? - You can't get money to be able to pay off debt. - You, and I didn't need the-- - I can't pay off debt if when you make more money. You can't control your behavior in the first place. So when you make more money. - I can't. - Oh, you're making more money. Well, that's why when you actually budget being the first step, then you actually know you make more money. - So you did budget. - So that's the fun fact instead of making more money first, if you budget, you actually know you make more money. That's why budgeting is the first step. So you're wrong. - We did that. - We did that. That's why we're on the show. Because we budgeted. We saw how much money we spent. - We did it. - You want to be on the show. - We've been budgeting since May. - Okay, that's great. How much did you spend going on the last month? - Last month. On those statements, it would probably like $700. - Probably just about, actually. Yeah. How much did you guys spend last month making money? You budget. How much did you make? - How much did you spend? - How much did I spend? - When I budgeted, I know my number was 20, I thought it was 20. - I thought it was 20. - You knew it was 20. - 20 is in the big range between 20 and 30. - You can't tell me you're budgeting if I don't have the number. - I do have the number. - You didn't have the number. - I have the number. - In fact, actually, we just went over the number. You didn't have the number. You just told me the wrong. Did you tell me the right number? - He said 20. - He said 22 is 24.5. - I thought it was 22. - That's actually a big-- - We did the budget-- - About $20,000 in a month, $2,000 is a small discrepancy. - It's actually really big for you when you are in debt and you guys are not providing a better life. You're a kid already. - Oh, we are providing a better life for our kid already. - What better life? You're not making any changes. There's no progress. What are you talking about? - What do you mean? - You don't know your number. - She was born at home because we had enough money to be able to have her born at home. - Can you even have to do that? Who cares? - We did have to do that. Yeah, what do you mean? We didn't have to do that. - You didn't have to have her born at home. What do you mean? What does activity, random spam call, this is exactly the garbage I'm talking about and why this part of the video is sponsored by Aura. Somewhere along the way, You gave your info to a company you trusted. They sold it to a data broker, or they got preached and now your data is floating around getting passed between scammers and creeps. And then months later, you get some pathetic little "we take your privacy, seriously email." Cool. Very helpful. Orra is how you start fighting back. They automatically opt you out of data broker sites, monitor the dark web, watch your bank and credit accounts for fraud, and they also include antivirus, AVPN, and a password manager. What happens? Orra includes up to $5 million in identity theft insurance. What I like is that they're a U.S.-based company whose business is protecting your info, not selling it. Your personal information is encrypted, and Orra doesn't sell your personal information. Plus, they monitor 41% more dark web categories than the next leading competitor. Your data is being sold right now while you're watching this. Orra can help make you safer online and cut down on the spam you get. Why 14 days for free at orra.com/ammer, links on screen, in the description, and pinned comment below. Back to the disaster. It was a great experience. Half to it. Half to it. Yeah. Half to it. You don't necessarily have to. That's what I just said. You said you didn't have to. No, I didn't say it. We had to. You just ask why then as you have to know you don't have to. You don't have to. That's great if you want to. You don't have to. That's what I'm saying. We did that to get for a better life. That's why you asked that question. What provides a better life for that for the kid? I think it was an nicer experience for you guys. Right. It was a better life for a better experience for the child, right? So like if you have a birthing woman, I'm not going to say person. If you have somebody who's giving, she's really. Why not person? She's sensitive about that. You can't say birthing person. Because the people that give birth or women, birthing person is not, we don't do that. It's a woman. Women give birth. Okay. The whole point was to have her. Where did that come from? Who's saying person? A lot of people say birthing person. Did he do it? And you cooked them? Did he text it? No. She texted me just yesterday and was like, oh, somebody said, like, I was watching actually one of your videos and there was a mightle, mightle add on it and it said something like menstruating person. Two for you two premium. Okay. I pay for it. She uses my account. We're not two for it. Not always. I'm nearly remember. They said menstruating person and I'm like, that's, that's crazy. But yeah, he has. He has said birthing person before. He knew that would trigger you. Yeah, I did. And I told him to never say that to me again because it's woman. Women give birth. So. I mean, yeah, women give birth. I don't know. Yeah. Yeah. He said that to me before. I just said it as like a, like she's a person, right? Like women are people. Yeah. You know what I mean? They're not animals. I think so. I know. But the whole context behind it, like right now in our society is what bothers me. But to go back to your question, we needed her in the most comfortable place possible. So our daughter could be born in the best situation possible. And that was the benefit of the actual newborn. I'm curious. Maybe there is. Which maybe I'm on, I don't know. I'm informed on this. You're saying for the sake of the kid. Yeah. It sounds like you guys had a better experience. Which I'm down for that. Yeah. So if the mother was the actual, if the mother's not stressed, that leads to a healthier birth altogether. Okay. Well, I mean, how much money do you have to spend on that again? You guys started a financial. There's like 65 for how much debt do you have? Let's do total debt number. Total debt? We know our numbers. It's like 80 something thousand. Yeah. 108,385. What the fuck are you talking about? You don't know your numbers. Tell me, you know your numbers. Okay. You don't know your spending. You don't know. You don't know. You don't know. I forgot about the number. I just, this weekend. This is the money guys. I am. I thought all of these numbers were less than what they actually are. Why did you say help me? Because he tells me. Like he's like, I don't think, I don't, I don't want to think. Clearly it's on a form based on the conversation. Sometimes he's lined by line on all of our, but how are you? I'm so bad. I don't think we're that bad. You are. You are on financial audit. We would not accept you if you weren't. Just a fun fact, by the way. That makes no sense. Oh, good news. The guy who's overspending in your entire household doesn't think you're f***ing up that bad. Good news for you. I didn't think we were like f***ing up so bad either. Because like he hasn't. He didn't. He says he doesn't. You didn't. Now you want him. Well, we took the financial score. Yeah. And we took, we got a six. Did you own a house? We don't own a house. Did you get a six? I don't know. When did you take it? Because we're not doing that bad. It was after we did our first budget. When was that? I don't know. We've revamped it since then. I would take it again. It was still a six though. No, I would take it like today. I think it would probably give us like a three or four if we took it today. I think on average with like your normal guests were a little bit better. We're definitely better than most of your guests. How so? Well, we make more money. We're not. We're not. Yeah. That's true. We're not. We have time on your side. That's crazy statement. What does that mean? What do you mean not yet? We don't say what's the people that touch the kids the most? Usually they wear that. That's crazy. That is insane. Don't blasphemy my God. That's crazy. That's crazy. I would believe her myself, but come on. That's crazy. They love to get in there. That's a myth. That's a myth. That's actually true. No, that's true. But that's like every religion has. I'm not Catholic. So I don't. It does stuff like that though. Oh yeah. Have you seen the Muslims? They love the child prides. It's not. But I mean that one they're also. What else is that? It's just a joke. Yeah. Sure. Real funny. I laughed inside. Wait till you find out what I actually am. Black. Your hair is curly. Yeah. He's very proud of that too. I'm 37%. Why are you wearing Christian wear? You're Jewish, right? No. You don't have any Jewish heritage. No. No. It surprises people to be interested. No, this is a problem. Interesting. Yeah. Like you don't have any Jewish lineage in your family at all. Not according to that. No one in my family. And not according to like my ancestor DNA. Oh really? If it ancestors. And it didn't come back. That's what I did mine on. So I mean, that wasn't raised Jewish. You know. I got some British Protestant in there. Real white. Real white. Lots of native. Interesting. Well, 25% native. 37% Jewish. Don't care. Still don't care. I don't care. What was I? Because I took the test. Okay. No one actually gives a fuck. I'm going to be honest. Just a fun fact. And literally no one out there cares. So. If you guys. They do care. They care if you're black. No one cares if you're black. No, they care if you're trashy. Same with your white. But no one actually gives it. Yeah. I'm sure a couple. A couple French freaks care. But who gives a fuck? Okay. As long as you just like behave like a normal person. No one really gives a shit. My normal. I just mean like, just don't be trashy. You just refer to it. Same with white. You refer to them as your black employees. Yeah. When I make a joke and then I bring it out. Yeah. But that's what we're ready to do. You're ready to do it. People care when you're black. I mean. Huh? Everybody cares when you're black. You care that he's black? I like that he's black. Yeah. Big dick. Okay. Yeah. I got that part. Yeah. How about loving and respectful? I'm sure, I don't think everyone does. We're headed towards a nice colorblind society. Then people started freaking out. Thanks Obama. I'm just kidding. Oh, okay. I don't know. I was thinking more like the fuck. That's a black lives matter thing. That was when the whole black lives matter. And like racism came at thing, you know. So. What does that have to do with how you guys don't budget correctly? I'm confused. Well, you said we were going towards the whole colorblind society. So. No. That's not how we got on the topic. Yeah. How do we get on the topic? I think we were talking about the birth situation. No. I'm just like, if you guys sit down every month, how are your numbers wrong? I don't. I just. We just started budgeting though. Like we, we just started doing it. Yeah. In May, a few months ago. Yes. So we're sitting down now. How are your numbers wrong? Because you're budgeting. Well, we did get, we did get a car this past week. So if you would know your numbers. I'm not sure why they're wrong. I'm saying he tells you the numbers. You would know the numbers. Well, yeah, I was. I thought it was 22. So you guys don't know the numbers. I'm sure we don't know the numbers. We don't know the numbers. What he's telling me. You guys have better numbers than I guess we calculated. Yes. We use the calculator. Well, so did we. So did we. We went line by line on everything on every statement that we had. We went line by line. I mean, we have the last three. We went through every transaction. More than you made and your debt is tens of thousands dollars higher than you thought. That's not just like a oops. You know, the debt I didn't realize was that high. I don't know why. No shit. So how long have you guys been together? Two years. Okay. Okay. When's the marriage? We want to do it next year. But we want to. So not planned. Okay. We want to do it out of the country. So that's why we want a budget for that. Why? Because it's cheaper. And it's nicer. To travel. Yeah. Yeah. I guess if everyone else is paying for their own things. Okay. So what is your role in the finances of this household? Well, he basically brings in the money and he just lets me know. What you did until like having birth, by the way, you also contributed. Well, the money that I made was my money. Well, it was our money, but I didn't spend the money that I was working for. So she would only -- she would basically only work to have money to spend. Like, since we met, I've taken care of all of like the bills, the rent. I have contributed like a handful of times. There's been a few times, sure. For the majority of the situation. Yeah, he has taken care of it. She does not -- she does not go for 50/50 relationships. That was like a big thing at the beginning of our relationship. She did not want to be 50/50 as far as finances go. She wasn't going to go for that. - Okay, that's fine. But if you guys run the same page, I don't really care. - We weren't, but I kinda made him. - But you're okay with it? - I mean, yeah, we've evolved into something that makes sense now, but at first I wasn't. Like, we were like two or three months dating and I was like, yo, you like, we should split some things. And she was like, no, if that's the case, I don't wanna be with you, so. - Yeah. - Okay, do you have access to his account, which I think is the main account now? - I, there's transparency when it comes to like, what he spends on and what I spend on. I don't like have-- - How do you get the money? - He sends it to me. - He sends it to me so it's like an allowance. Why don't we have like a joint account? That's weird. - So, like, yeah, it's something you don't want to be 50/50, I'm fine with that. So let's get into a joint, you already have a kid. You know you're gonna get married. You already rushed that step. As we'll just go all the way. - Yeah, there's a common sense. - There's a few reasons we all have a joint account. And that's one reason being is because we don't wanna have all of our money in one place. If there was like an issue with like somebody getting hacked. Like, one of my friends, he got hacked recently and like somebody stole like $50,000 out of his account, right? So it's like, I don't wanna have all my money in one account. - I'm also saying that, but I have a joint account where the spending's coming from. - Right, that is what happens right now. So all of our bills, all of our spending's coming. - Okay, so you do have access to the account. - Well, she doesn't have like the login to my PNC, but like we sit down. - I have my own bank accounts and he sends me money. - Exactly, so that's not a joint account. You send her money. Why isn't there a joint account where the spending's on? He just said that's what happens. And then she's like, no, he sends me money. So it's a complete disconnect. - So we both have a PNC account. We both have a chime account. - Great, why don't you have a joint account where the money's going in and out of? - That's what we have, 'cause only I need money. - She just said, you send her money though. - I do, yeah. - What are you not understanding? - She has her own spending account and she has her own savings account. - But do you have access to the joint? - No. - Then how's it a joint? - Because what is she the access to? - It's not typically, it's not. - She needs access to the joint if she doesn't have access. - All of our bills come out of that account. - But it's not joint. - Well, yeah, technically I don't have access to it. - She knows my login information. She can login if she wants to. - So she has access. - Yes, if she wants to login. - What did you just said she didn't have access? - She does have access. She doesn't log in on her. - I don't have access to the login account on my phone. Like if I wanted to check the his bank account, I can go. - But you could get it if you wanted. - Yeah, yeah, yeah, yeah, yeah. - That's different. Okay. - I was like, can I check your bank account right now? She can take my phone and she has all the login information. It's just the spending account is on my phone. - Okay, and why do you want your own account specifically? Separate. - I think it's more like a security thing for me. - Well, security, you guys already have a kid. - I understand that, but like in like a year ago or two, our relationship was like super rocky. So like I wanted to. - I haven't used to do it for just the two years. - Yeah. Like we just like our relationship. - So you guys met and it was rocky? - We met. And like on our fourth date, we like, I moved in with him basically. I moved into his mom's house. - That was the best. - It worked out. - It worked out. - Yeah, it worked out, but it was rough. - Yeah, it was rough. - Okay. Well, I understand that beat a bit. Rocky, at the beginning, but why was it rocky a year ago? - I'm not sure if it's enough to have a make out with him. - Have your own. - Yeah, I was a Rocky a year ago. - We were just arguing a lot. And there was like a lot about like finances 'cause like up until a year ago he was kind of so on the edge about like being the provider and me like staying at home and spending the money. And there was also like some infidelity happening a year ago. - Dude, what is wrong with everyone in infidelity? Does either open up the relationship or leave? Why are we, who infidelity? Oh, you look more like someone who would scream in infidelity. - What, look, look more like what? - Someone would cheat. - As it was a year. - So it was, yeah, it was at a bachelor party. I was in Columbia, South America. And we went to a strip club. And there was, yeah, there was some extracurricular-- - Did she hear about this stripper? - So you f*ck the stripper, the stripper? - No, I didn't. - No. - Oh no, he didn't, he didn't. - I said he cheated. - He got a blowjob from a stripper. - Oh, that would be a cheating. - Yeah. - She blew you on this strip club? - Yeah, and then-- - Not for the AIDS? - No, it was, there was a condom. - I-- - There was a condom. - And I-- - Blowjob with the condom. - I thought the same thing. - I thought the same thing, but he did, I did make him go get tested. - Fair enough, dude, you're with her. Your guys aren't, were you open? - No. - You guys weren't open. Why are you getting a blowjob from us? What are we doing? Aren't you, look at you, your cross. Two crosses, double cross, your double cross. And you're getting a blowjob from a stripper. - Yeah, so that was a bad time. - Oh, wasn't bad time. - Yeah, why'd you get a blowjob from us? We'd answer that. - I, you know what I'm saying? - I would create trust issues on my end as well. So I understand the second. - I was at a bachelor party. There was a lot of things. - Oh, that's wonderful. - There were a lot of, there was a lot about that. - There was a lot of that. - There was a lot of other things that you get in Columbia, South America that you-- - You were snored in. - I don't know. I can't confirm or deny that. - Of course. - I can't confirm or deny that. - Why does that equal you getting a blowjob? I'm confused. Paying more than $15 a month for your cell plan. $100, $15, $200, congrats. You're paying a vanity tax. Mint Mobile has everything the big carriers have, except the upcharge. And right now, they're offering you an unlimited everything for just $15 a month. Any plan with 5G that covers 98% of Americans. Worried about a nasty breakup? You can make the switch online. No store, no salesperson, no awkward silence. Bring your unlocked phone and keep your number. There's seven day money bag guarantee means there is zero risk. Stop overpaying for wireless just because-- - That's how it's always been. - Switch to Mint and get three, six, or 12 months of premium wireless for $15 per month. That's any plan even unlimited. Shop plans at MintMobile.com/Hammer. Now, back to the disaster at hand. - I was just bad decisions. Black, you know, blacked out in the Shrub Club and made bad decisions. So, I mean, we've all been-- - Well, so what happened then? How did you find out? Well, like what the-- - So, he went to the bachelor in Columbia. And basically, before he left, I had the conversation with him and I'm like, I'm okay with you, like having fun. I want you to have fun. Just don't-- - What's fun? - Like, go out, like, at night, just like go bar hopping, have a drink, just like-- - Are you good with the snort? - I was not. I didn't know he was doing that until, like, I was working at that time and he wasn't answering the phone. - But a good religious man. - And he basically, he was texting me-- - I wasn't at the time. I actually was not at all at the time. Big convert this year. - He texted me-- - She last year. - And I was like, why aren't you answering the phone? He was basically like, yeah, you can't believe it. Like, there was just a bunch of crazy stuff happening and I'm like, well, okay, I'm not really like-- Okay, with that, but I guess if you're having fun, then that's fine. But then, that day, other stuff happened, which was the stripper thing, yeah. And he didn't tell me that over the phone. He waited until he got home and he opened up about it. He was like, hey, I don't feel good about this. I just want to come clean and be honest with you. - The day I came back from the trip. So there was no-- - And what happened? - I, at first, it was a shock to me. 'Cause before I met him, I had zero trust in men. 'Cause I didn't grow up with a father. I've been in abusive relationships before. So I was like, yeah, all men are the same until-- - I explained it as the forehead. - Until, this was actually a pull accident. - When I was younger. - When I was in self-abuse. But, yeah, so basically, when I met him, he kind of changed my perspective. So when that happened, I was like, oh, well, this freaking sucks. And it took a lot of-- - Wait, that's not what I come on. They just typed me what happened. - What do you mean? - You argue about the stripper and you hit him. - Did I hit him? - She did hit me. - Yeah, she did hit me. - I mean, what the f**k deserve? - Oh, we talked about it and, you know, it resumed. - Bam! - Well deserved. - I'm not as well deserved. - Well, yeah, okay, what if a man did that to a woman? Would you say the same thing? - I do not condone violence. - But instead it was deserved. - But he got a blow-jaffirmist stripper. - That's a bad thing. Usually we leave someone, take a break, or, yeah, I don't know. - He got a blow-jaffirmist stripper. - If she took a dude's dick-- - If she took a dude's dick, if she blew a dude with a condom, I'm sure. And you punched her. Would that be deserved? - Would it be deserved? - Punch her. - Okay, yeah. - The double standard is crazy. - You probably would have. - Yeah, crazy. - When have I ever given you any inclination that I would put my hands on you? - You, well, at the beginning of our relationship, you have gone in my face. And that's why I hit him, because it does-- - That is so crazy. - He does, please flush that out. - Yeah, please flush it out. - What are you talking about? - No, so like-- - I would get in your face. - Yeah, no. - I've given you any inclination I would put my hands on you. - At the beginning, yeah. - Wow, that's crazy. - That's crazy. - Because we'd get into screaming matches, and he would get in my face. And like I said, I have, like, at the beginning, I was like, I've been in this situation before, I don't. - Like how close? - He would get like really close. - And it's just yelling? - Yeah. - Yeah. - So there was a bunch of-- - You would just argue about stupid shit, and then he would like, get all fed up. - Face, that's scary. - So no, there's no situation. - That is scary. - There's no one in particular situation she's talking about. We were sitting in the car. So I'm in the driver's seat. She's in the passenger seat. That's as close as we were to each other. So pretty much like how we're sitting across from each other at the table. And we got, we started to fight. We were screaming at each other and I did something like this with my arm I like put my arm up and she basically was like don't put your fist in my face And I was like I didn't put my fist in her face. I literally talk with my hands like I do this a lot Yeah, she's been abused in the past Yeah, so I don't I don't want to talk about other women's past So you know, I'm saying in so like yes, I'm in general you don't talk about their past That's that's her business, you know, and I talk about everything when I do this if I talk like this Would you think that I'm gonna hit you if you're right here. I'd be a little right here No, that's not the case. That's not the case. Well, it well it's playing it up very nice I don't I don't think so because like I I've actually told you like when I hit you that song double standard But that's what I'm saying. Have I ever hit you? No, you know, how many times have you hit me? How many times have you hit me? How many times have I? Like two or three times that is what kind of punch me in the face That is not a punch. No, I swear I swear on everything. No, I would not punch him. I slapped him. I did slap that's a thing Never got her face and she's never hit me. She's close fist me two or three times. That's insane. That is not true Because you've had bad relationships You can do this without knowing how to She can actually go up and then I've slapped him and I will only say you close this. I believe him I believe you that he got in your face. He closed fist me twice and maybe slapped me once But I know she closed fist me twice at least that's crazy that is a double standard Just because you had bad situations in the past doesn't mean you get to punch them But I was really hurt. I mean so and then he was physically Flip this if a guy said that I understand that I understand that but like also He has gone in my phase and like I'm trying to defend myself from so is the fact dude We're saying that's the fence. Hold up. Why is it black guys? Did you say he's Intimidating that's crazy because he's black because he's big you said big black dude. It's crazy He isn't is he not black? He is but why was that even a part of why you're intimidated because he I don't know He's just being statistically more likely to hit your you say I did not say that I mean you said that Numbers numbers. I'm just saying there's only one person in this relationship. That's gotten yeah Very true. So and it happens to be a black man. You are a minority beater. She's Latina. So I mean I knew what I was walking in 50% of the world is he says that's where that's true He's my company's like 90% so that means nothing. You just look like America now That's that's very true really our daughter is the most American, you know a little bit of everything She's beautiful. Okay, so you punch men But okay, how did it get resolved though because yes? I understand if you went trust issues you open this bank account That makes sense. Yeah, I mean I kind of get that so she so she had her own bank account when we met and then basically There was a lot of discussions about 5050 and my whole thing was especially after the infidelity I wanted to make sure that she felt secure in the ability to leave whenever she wanted So it was important to make sure that she had enough money to be able to leave if she wanted to leave that way It was never a situation of oh, I'm trapped here. Whatever stuck. I can't leave you know what I mean Yeah, I do get that so okay, that you didn't happen. Yeah, I had them But then what over the course of the next days weeks like how is this resolved? I'm curious. That is a great Yeah, it was it was it was very it was tough. I we you know, I obviously admitted to my wrongs I was like, you know, we I want to go to therapy. I'll do whatever this takes and I'm you though It was really hard. Yeah, I mean while he was when the Full lipidum. Yeah It was it was really hard There was a lot of trust issues. It really did mess with my mental health too Again because of my past relationships Yeah, I'm just talking about y'all's relationship like when did it get did it when did it get to normal? Do you trust him today? I do. Okay. When did you get that back? I think when some pressive it it it went away like Probably like a year after that. I don't have that would be like now Well, no technically not because well It was like a year ago you said we met in 2024 so that happened Wait, when did that happen? Yeah, you said like a year ago Okay, maybe it's a year and a half yeah, but either way what if he needs to go on what what if he's I don't know the bachelor trip He's not going them back. You're just not allowed to go on that more bachelor trip. No best friends. No bachelor trips That was one of the so you do not trust him. I Don't think it's a trusting I think it is if you can't go on thing I think it's more of like a respect thing. Well, it would be respectful for him to just not do that next time He's on a bachelor trip. I think you don't trust him to be able to go on a bachelor trip You don't respect them. You don't trust him to go on another bachelor trip. I Doesn't respect the full thing would be him to show for his like best boy, you know Well, his best boy already got married. He doesn't get to know the one who are his life. He's young He's no, he's not going So you don't trust them if there were to be if there were to be a situation like that I think it would be more like there's just if he wants to go abroad for a bachelor I would go with it. Does it even have to well, that's crazy. No. No, you just what yes, so you don't trust him I do trust it. That's not trust it. She's not he go to a strip club with his boys tonight No, then you don't trust him. He's not going I wouldn't go to a strip club. I get that that wasn't a question Yeah, if he were to ask me if he can go to strip club. No, and if that why what's the answer? What's the what's the why because he? Added a strip club. Yeah, so you don't trust him. Okay. Fine. I don't I Which is fair. I'm not even saying that's not fair, but when you say you fully trust them now I didn't you you said you trust him. I do There's there's different levels of trust like if he's not going to another bachelor's trip That doesn't mean that like whenever okay, so on the show like historically, we've had people do like revenge And you didn't revenge cheap and she she technically cheated first. I didn't oh First yeah, technically wait you cheat wait, what is Before he before he tells his story. I did not have sex with anybody. Okay. I did not give all neither did he He had a bulldog. I did not do anything with anybody technically technically didn't have sex with anybody I did not have sex with everybody. He had he is soaking what what no, he's technically I didn't have sex with anybody. He had he had physical contact with another person and a strip Let me just put that there a strip which is gross and it's like it was yeah, so we we'd been together for Maybe two months at this point going on three and did say she did it first. Yeah, and the whole thing was is that at this point She didn't want to be 50 50 she wanted me to financially support her which I was doing everything to do that and then two months in That's kind of crazy. It was crazy enough, but I don't think so is who months in that's wild That is gold as a man who's trying to court you. No, I don't think that I should be care you A man that you haven't like what is your strategy when it comes to like dating women you date you get to know them once you're in a deep Series relationship then we can have those conversations there are two months now. I don't but to be fair You are not a high value woman, but you are a person to her I've never said to her credit She moved out to Texas would be two months in so like high value like she had like well You clearly think you're entitled to something two months in for the completely take care I think that men women have it wasn't even just about it. This is finance. We're talking about our personal We're not talking about finances right now. We're talking about we are when it comes to you expected him to fully take care of you I didn't expect him to fully take care of me So she quit her job she quit her job and she moved out to Texas with me. Yeah, get another job But she told me and I did hold on hold on and then even when we were out in Texas I was still taking care of her. She didn't have to pay for anything right We are laying in bed one morning. She gets a phone call and she like looks really scared and she hangs up And then they call right back and I was like I take the phone and I answer I'm like, oh who is this? And she's like looking really nervous and scared and there's this dude He's basically like cussing me out was like tell her to give me my money back tell her to money back Get I tell her to give me that necklace back and like all this crazy stuff and you know all the purses I bought her and I was like like basically That you know was told to do to go off and I was like what is this and she was like oh, I don't know I don't know and I was like I told you no you didn't tell me at first I had no you didn't I had to dig it out of you and then basically it was this guy that she was getting money from the entire time We had been dating for the past three months and he was like sending her money and buying her stuff and like Yeah, so that there was that situation and like that was my And you say you're not a gold digger. You're getting sugar daddy that she sent him news No, she didn't allegedly do anything with this guy she didn't allegedly no, yeah, I don't know But she allegedly because look this is the whole situation because a while ago that conversation doesn't exist anymore And your phone does it no it doesn't even it doesn't even matter because the fact of the matter is it doesn't like if she Was doing something physically with them that's one thing But like she made it clear that she did not want to do anything with him and was just entirely leading him on in what she was just using him for the money And that is still cheating. No, now mind you. I'm like, okay So you're just using this guy for his money and he you you made it clear that he had no chance But you had no problem taking his money and I'm like, okay, so how am I gonna be? be any different. And it sounds like it because you're two months in and she was demanding all the money. And here's the thing, she says she's not a gold diggers but then the producer sent us a note from your literally interview that you were telling the producers in the whole onboarding process that you love the finer things and that guys provide those things for you. Like expensive gifts, a coach purse, a Dyson air rep for $600, a Christian to your necklace, sending you money, you love it, men send you money, thousands of dollars via cash. Okay, okay, men, that's, that's a gold digger. That's a lot of men. Did not get money from a bunch of different men. There was two men before we met. There was two men with a man and then that guy while you're together. And then the man in that he takes care of your entire life two months in. That is a poor person. It was the dude on Snapchat that you were like that. So again, you bet you I'll be looking through that on the post half snap. We were, we were laying through every we were laying in bed again and while I was taking care of her and there was like, we were, we were about to have sex and like she was on Snapchat and there was like a message from a guy and he said something like, oh I like the way I used to like kiss up on your neck or something like that. Which was not true. And I, which was not true. So she said that nothing ever happened. Nothing ever happened. Why would he then make no sense? I was like, why would he say something like that? Let me explain that. So with the, see a whore try to unhorn or with the first, with the first situation with the guy that was sending me money. Yes. He was sending me money of two before him one during him and then him. That's for one. That's a trend. Yeah. The guy two months in when he called that was the guy who called in the guy on Snapchat. Those are two and then him. That's still a trend. Three strikes or she's not a whore. She's not a whore. Okay. So yeah, he was sending money. I, he was an ex co-worker of mine. He got fired. A co-worker. Yeah. He were fleeting out of co-worker. He was evil. He got fired from the job because he decided he wanted to threaten the store manager to beat him up. I don't care why he was fired to do that. I've never met him. I'm trying to give you the context. Okay. So that's how I met him. And yes, he was sending me money because he wasn't in love with me and I was leading him on. I can be honest about that. She likes toxic men because he tried to beat up the manager. What does that say about you then? I'm just saying. What does it say about you? Okay. Anyways. And he did give me a lot of gifts. He gave me a necklace and the purses and all that. A Christian Deory necklace that cost $3,000. Good. Yeah. I gave away. And what were you doing with him? I didn't absolutely. No, but you were leaving him on somehow though. She was. She made it. We thought he had a chance. We were. Yeah. I mean, we were texting. I didn't have sex with him. I didn't kiss him. I didn't, I didn't do anything with him. It was just like through text messages. And I was very clear with him that I did not want to do any of that. And he still wanted to. How much is that? Custom. How much is it? I don't want to tell you that. This is financial audit. Tell me that. It was like $4,000. You're settling for that. Bro makes $200,000 a year and you got a $4,000 ring to lab grown diamond. And he made it. So it's it's it's I'm sorry. It's behind it. If I was you and I demand the world and my man makes $200,000 a year and I only get a $4,000 ring. I wasn't making $200,000 a year when I got that ring. When did you get it? I got that ring. Was it like last year? Okay. Made $100,000. I only got you four. He should you. I would expect. What is that? How would percentage of my income is that? Four? Yeah. That's a lot. Yeah. But rings usually go higher. I wouldn't even ask me that. Why would I tell you? Because you just said you're not a slut. I don't think you can prove it. I'm not a slut. Listen, I actually don't care if you were. But the reality is, I mean, just like, I feel like she would expect more ring. Just based on our history of gold digging my craze. My ring because it has sentiment behind it because he custom made it. No, because if I would have bought that ring from the store, it's a nice ring. It would have cost like $10,000. It's a nice ring. It's fine. It's fine. Congratulations. Good job. You guys had a kid. And he did buy another ring that I shut up that I didn't. I bet you know, a lot of jewelers. I do. He did buy another ring that I didn't like. So he got this one. So that contributes to the narrative, I guess. Okay. Have you been a gold digger? I kind of, I don't know, maybe a little, but it's a, you certainly weren't the past. Maybe you changed, but she definitely changed. Relationship is starting on infidelity and then infidelity halfway in brutal places, be at this point. And I definitely understand why there would be some trust issues, especially when it comes to something as important as money. What's the state of the household finances today? I know you make good money, but you have a lifestyle. You're inflated yourself clearly. You don't even know how much debt you have. How's the communication of finances in this house? How do we communicate? You say you sit down and you tell her, well, it's your understanding of the finances. Maybe we should start there. I know that he makes a lot of money. And I mean, he just sends me money. I don't really ask or question what he does with his money. I just mind my business with you. So you don't consider it ours? No, it's ours. We just said his money. So we sit there once a month and we go line by line on all of our issues and give you don't give a, if he sends more than he makes, no, I do. That's why I was surprised that he made, that he spent more than what it's to what do you mean? Who's, how do you think, what money do you think she spends? Well, I don't know. She's making it sound like it says you spending in her work. He does spend a lot of money. You spend a lot of money. She spends a lot of money too. I do not more than you. Okay. We'll see. We'll see. The number is will show what? I mean, you disagree. You think she spends more? Oh, I mean, I don't think she spends more. She just like, she, she just will buy things like, for instance, she has these hair curlers, right? Like, these little styrofoam things that you curl in your hair. And she has some and she just bought like another set because she's like, oh, these are coming here with her hair. I don't have frizzy hair. But she, like, she'll buy like two of the same thing bad hair. That's why she spends like, she just buys stupid or stuff. Then I think I, I buy, I buy stuff that I, she spends a lot of money on weed. Yeah, I do. What a good Christian man you are. I think he's not on Christian. I think a lot of Christians would disagree with you. Sure. There's a lot of Christians that disagree on a lot of stuff. Doesn't mean that they're right or wrong. I would say the more traditional as via would be addictive substances are not good. Well, alcohol is an addictive substance, right? Yeah, but then they also argue that the one big thing is that alcohol trust me. I'm probably again more on your side. But it's like, it's a little hypocritical of you. And the more true, there's something I'm working on for sure. And it's just something I'm cheating on products. Yeah. Yeah. And we've gotten better. Crime. So crime. I was just assuming you're funny. Yeah. No crime. No crime. I've been 100% legit my whole life. He told me he's never been arrested on our first day. Never. Never been. I've never been put in handcuffs. I've never been asked to be stepped out of the car by a cop. Yeah. Never. Never been any trouble with the law. Yes. Herpes. Like all this is happening. Come on. And this relationship with the dynamic that it is today, I, I am being told that there's like a disagreement on like the roles because you are so role focused. And I know you're bringing in the money. But what's it is this? I'm being told there's a disagreement on the baby that you're supposed to be the homemaker. And he's supposed to be the breadwinner and all the stuff. What? What's the issue? We've, we've gotten into multiple arguments about like our roles. I know what my role is. And it's like, take your house, take your baby. You know that. What do you mean you know? Because that's not what I was going to say. Yeah. Like what conversation? Like, how is that you know? Well, we've had conversations. Is that something you guys decided together? Yeah. We, we decided that he was going to provide and I was going to be the say a home mom and basically not work. But what I would, so you do nothing. I make sourdough. Because it's been two months. So two months you've been pivoting by breastfeeding. But besides that, it's like, so she just really hasn't done shit. So she for a while. She does, I mean, at least sourdough. I mean, for the, yeah, for two months though. For the last 10 months. I was pregnant for nine. Yeah. So the last 10 months. Have you seen pregnant women? Yes. A lot of them work like crazy. So that's, okay, that's one of the biggest arguments that we have is that she's 24 years old now, right? And she's basically hasn't had to do anything. And even over the last 10 months. She's been spoiled by her own. Yeah. And her mom lived with us too. So like her mom pretty much took care of her whole pregnancy and after the baby was born as well. You're going to be able to take care of a child. She's good at it. She's, she's, she's a great, two months. All she has to do is this. Yeah, she's, but you haven't been able to raise yourself and take care of yourself. Men, that's actually not true. You're about to make this a man thing. Yeah, go ahead and gender this. Men like me. What does a man like me? Being birth is just this thing. You just pop out a baby and that's it. No, I don't. Giving birth is incredibly difficult. But for the last two months, and taking care of a newborn and keeping it alive is pretty, I'm just saying when you're saying, when you're saying like, oh, yeah, but I mean, she's ever done anything in her whole life. I'm just taking care of it. Yeah. But I mean, come on. Before we keep going, quick word from today's sponsor. Okay, real talk. I'm absolutely the kind of person who will put off a doctor's appointment way longer than I should. I've done it. Even when I knew I needed to get something checked out because the sitting on hold, figuring out who takes my insurance and possibly waiting weeks for an opening made the whole thing feel like it wasn't worth it. Suddenly, the "I should do this" item had been on my to-do list for like three months. And if you're doing that too, stop. Seriously, don't do the same stupid procrastination thing. That's why this part of the video is sponsored by ZachDoc. ZachDoc is a free app and website that helps you find and book high quality in network doctors so you can find someone you love. You can search and compare local doctors, read real-patient reviews, check detailed profiles, see actual appointment openings, and book instantly. And appointments happen fast, usually within 24 to 72 hours, sometimes even same day. Stop putting off those doctor appointments and go to ZachDoc.com/kaleb to find and instantly book your doctor you love today. That is Z-O-C-D-O-C.com/kaleb, ZachDoc.com/kaleb. 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You're not dealing with the complexities of the emotion and teaching and all this stuff yet. So it's like in terms of the actual raising of a- - Partum is very- - That's you. I'm talking about the kid. So on the actual raising a child part, you never raised yourself. You never had to be an adult. You've only been- - I don't know if that's not fair. She did. - What? You just told me she did it. That's only going over the information. - Before we met, like, she was taking care of her sister pretty much like- - I was on it. - What about the mom's situation? She said the mom moves then. - I don't know when I got pregnant and she moved in with us. - Oh, then why'd you bring that up? Because that's not unfair. - Yeah, because whenever her mom moved in, it was just- - Maybe I'm on her side. - I don't know, her mom moved in with us, clean the house, cooked everything. Literally, it took care of these- - Did she do anything more pregnant? - Not really. - And you had an issue with that. - No, no, no. The issue wasn't- - While she was pregnant. - So what's the argument, then, guys? - So the argument is, like, for example- - You talk a lot for somebody who doesn't want to let somebody explain the story. The argument is- - I get bored, easy. - The argument is there was a situation specifically a few nights ago. Maybe a week ago where she- - That's right. - She woke up with the baby. The baby had, like, peed on her. - Wait, allow me to interrupt you. - Go ahead. - Okay, it's your show, of course. - So the baby peed on her and then she woke up really upset and I was like, "Hey, what can I do to help?" - Kind of your one job. - And she was exactly. But I was like, "What can I do to help you?" Because, like, I have to wake up in the morning. So I took the baby from her. I'm putting the baby back to sleep while she's, like, cleaning up the p-mass. And me and the baby fall back to sleep. She walks out of the room, comes back in, like, slams the door open, baby wakes up and- - What's the problem with you? - So then, that's- I didn't do that either way. I was like, yo- - Bro, has to wake up and provide it. Isn't that what you wanted me to do? - I was like, what's wrong with you? Why are you sitting here storming around the house? I was like, if you need help, you need to make it clear and, like, not do this, right? So then- - Kind of acting like the newborn. - But hold on, I did lose my cool, I yelled at her a little bit. So when I woke up in the morning, before- - Okay, wait, hold on, let me finish this story. Let me finish this story. - None of them. - Well, I'm going with a little pause. What's up? What's up, girl? Early pause? - So she peed on me, right? - She goes back to the beginning of the story. - No, yeah, that's how we're appalled. - Obviously, it's obviously from your perspective. - If you're going to tell your side, then you finish. - But he- - Okay, I'll let him finish. - She, you're ruining that. - So then I wake up in the morning because I yelled at her in the middle of the night after she got peed on by the baby before I go to work. Now mind you, every morning I work out, I do everything- - But by the way, she would describe that as a black man yelling. - Yeah, so either way, the black man was yelling at her in the middle of the night. I wake up, I clean the whole kitchen. I mean, I do the dishes, I mop the floors, I sweep, I let the dogs out, I feed them, I do everything. So that way when she wakes up she doesn't have to do anything. And then I come home from work. I literally, the first thing I do take the baby from her, I go lay down with the baby. So that way, because she's been with the baby all day. I change the baby's diaper and then I'm laying with the baby. She comes into the room as I'm laying down with the baby, just chill in. And she's like, picks up like the changing station, the little changing mat wipes. And she goes, "Can I talk to you about something?" And I'm like, "Sure, what's up?" She's like, "I feel like you've just been leaving stuff around the house because you know I'm going to pick it up." And then I was like, "Oh, it probably isn't even true, but women just like feel things." So then I just set up nothing. So then I do leave stuff around a lot. I will get for that. But I was like, "Are you sure you want to have this conversation right now?" She's like, "Yeah, what do you mean?" And I'm like, "Well, I did just clean up the entire kitchen before I went to work and I came home, I changed the baby's diaper, and you're going to like bitch at me for leaving the wipes out." And then hold on. The thing is, is that she literally will do the same thing. So the next day, she left the wipes out. And I pointed out him and I was like, "You just yelled at me yesterday for leaving these wipes out, saying that I leave them out intentionally because you're going to clean it up." Wait, didn't you say the whole thing was you to be at home to like take care of the house? Okay, listen, listen. So like maybe it's messy of him, but isn't that kind of like, the role you've set up is like he goes and works and you take care of the house? Yeah, that is my job. I'm like, "You're not going to take care of the house." I have been, I have been picking up after him for two years since we've been together. But that's what you said you were okay with. Exactly. Okay, then why are you yelling at him for it? I did not yell at him. I walked into the room and I told him I'm like, I even started off the conversation because I know how he gets and I'm like, "Hey, I don't, he gets very upset very quickly." And so I'm like, "Hey, I don't mind picking up after you." And then I did say that. I'm like, I feel like you're leaving stuff behind knowing that I'm going to pick it up. She called you my polar in the pre-interview, by the way. That's crazy. And did I? Okay. Well, anyway. Anyway, that whole situation, yeah, she peed on me and I wanted to change the sheets because I'm not about to sleep in pee the whole night. So I want to go get the sheets and a blanket. And the blanket that I had was very thick because we have a king size bed. So it's very big and thick. And so both of my hands were busy. So I pushed open the door and it just opened up. I didn't intentionally throw it, throw the door so she can wake up with him. It just happened. And so before I got the chance to switch the sheets, he's like, "Why are you so upset? Like, you shouldn't be upset because this is your job. Like, you shouldn't be complaining about it." Well, you're a Latino woman. You guys are always upset, though. I'm not always upset. I was upset that night because she peed on me and I have it up with him. I know you can't call her, but it isn't she, like, always a. No, she's not. No, not at all. Uh-huh. She's not. She's definitely not. But he, um. Two more years, though, and oh, she's going to be huge. What does that mean? Hope he's seen every Latino woman at 26? Do you know what happens? No, I don't. Torta. Ew. First of all. Man, it's a sign. Second of all, that's the. No, no. A little racism, little signs. 100% true. She's definitely not a cunt, but I get called bipolar because I clean up the kitchen and then get told to pick up after myself. No, listen. I bring in $20,000 a month before taxes. So I'm just like, what can I do, you know what I'm saying? The reason I brought that up was because he continues to. I don't ask him for help at all. I don't. He does the things because he wants to. And I am very grateful that he does that. But I don't necessarily go up to him. And I'm like, can you change her diaper? Can you do this? Can you do that? So if I don't have things, don't get done. Listen. Things don't get done if I don't know. That is not true. It is true. It is true. I really cleaned her house like two days ago. Um, that's true. Congratulations once in a while. Yeah, and that is not. No, I do. But you're a homemaker. I do clean the house. Let me finish the story. So I am like, okay, he has continuously. Continuously asked me to ask for help and not to, like, take up all the responsibility for myself because it is very tiring. So when I. So her asking for help is telling me I leave stuff around and I don't pick up after myself. He left. And again, this is not me complaining. He left the entire kitchen to mess. He leaves clothes all over when he gets home from work. You said you were okay with it. The deal you took. I am. I am. I pick up after myself too, though. So if I do leave it around, I also pick up after myself. The only reason I brought it up was because this is the way that I would like for him to help. Because I do recognize that my role is to take care of the baby in the house. And I show him. You recognize that? Did you guys agree on that? Yes, we agree on that. Then why are you complaining about it? I did not complain about it. You're not listening to me. What I said was that he. That's the way I would like him to help me out is not leave so much shit behind. And that's what I was trying to tell you. I still tell him, I'm like, hey, I'm noticing you're leaving more stuff behind the wall. How many hours a week are you working? So while she was pregnant, I was working Monday through Saturday, nine to five basically. And now? I stopped working Saturdays, but I just picked Saturdays back home. Yeah, no, 40 hour work. Yeah, you can step up and be more clean around. But it's very. So like, I leave at nine and I might get home at like seven. in some nights 'cause it's a sailor's job. You know what I'm saying? So like, it might take me an hour to at each stop and I have like nine, 10 stops a day. - And I'm-- - Jeez, you guys argue a lot of-- Your landlord had to check in on you guys because they're hearing, "That's crazy." - She lived next door to us. Our landlord's house, our next door neighbor. - Oh, that's, that's a long ballot. - It was, it's some, doesn't matter. If the next door neighbor, regardless of if they're the landlord or not, it's checking in on us because of all the yelling, we had thin walls. It was like a tone house. - What, I've lived in a lot of thin walls. - I've never had to check in on someone. - She's never heard your neighbor's yelling? - No! - You're lying. - You're lying. You've never heard neighbors yelling in an apartment pump complex. - I'm getting in a no from there. - No. - You've never lived in a crazy tunnel. - How would they know, do they live with you? - Okay, one guy who lives in like a college complex but they're probably just literally moaning or doing drugs. So everyone's saying no. Well, hearing people yell in apartment complex is pretty normal to me. - Wait a minute. (laughing) - I'm white. (laughing) - That's a lot of apartment complex. - Hearing people yell is normal. - What's the view of them? - Not section eight. (laughing) - Never section eight. So. - But yeah, we did use to argue a lot and we would scream at each other. - It sounds like you did two days ago. I mean, how frequently are we arguing? - We bicker now. It's not arguing. - How frequently are we bickering? - Maybe once a week if that. - Yeah. - It's still pretty juicy. - Well, it's mainly-- - How's your relationship today? - I think it's great. - Yeah, I, yeah, we-- - No issues, everything's good. - Yeah, let's do some. - Yeah, I'm so-- - How about you guys? - I knew you were gonna ask us that. - Not as often as we used to, but-- - That happens? - Yeah. - What are we on? - What? Three times a week? Two times a week? - Oh, why? - You guys are good. We're fine. - I'd know. - You disagree with that? - Yeah, I don't, I don't think it's out of it. - At least once a week. - Yeah, I mean, sure. - Oh, two months plus birth, that's actually-- - Yeah, it's kind of the-- - The other thing. - Yeah, I don't-- - Even start having sex again until probably like, I don't know what was like a month ago. - Yeah, I'll let that thing recover. - Yeah, for sure, for sure. I'm trying to be, you know, it's on her clock, whenever, you know what I mean? - Yeah, but also-- - And you go in the hole above for a while. (laughing) - You're screwed in there. - Oh, she's into it, oh, she-- - Anyways. - Wow, okay. Yeah, that's fun. We know she's like Xanel. - Yeah. - Didn't know we were gonna get into that. - Really not denying it. That's actually got a crazy-- - Christian's though, don't, don't, don't, Christian's, do you like what Christians do? - You like anal? - You like anal, don't sit here and play. Don't play. - Okay, I mean, hey, I didn't, I didn't know. Yeah, I was just kind of joking, but what do we think? Well, I mean, you took the quiz, but I think you guys need to take it again, 'cause we did dramatically revamp. What do you guys think your household financial score is today is your out of 10? - I think it's-- - I think it's four. - I think it's four. - Four, two and three, four. - I'll see, we'll see, man. I mean-- - You need to get the count down. - Income is not usually a determining factor. That the income is, but-- - No, we don't do the count down in the money. You haven't watched so I, huh? - No, I haven't. - I literally watched the episode that came out yesterday and you did it. The one with the, my little pony pet, okay? - She's a super fan. - I do watch you a lot. - She watch it. Like, I come home from work and you're on the TV. I'm like, bro, can you turn it? - We'll do anal later. - So, if you want your annual financial score, it is free at Calebhammer.com. Take these estimates, see where you stand and you'll see where you stand in each category and you can know where you need to improve. And if you don't want to be like guests who end up on this show, make sure to download the Dolores Budgeting app. You can change your life like 10,000 to the monthly active users are. Take the free trial to see if it works for you. And if you do, and if you like it, take the annual version. Most people do because it saves nearly 50%. And you get the physical version of my 30-day meal plan signed by me, mail directly to you and the digital version of the cookbook as well. So, check that out guys, links below, dallowize.com, Calebhammer.com, all that good stuff. - You're no excuse. - So, we don't have credit cards, but we have a firm. - Yeah. - So, wolf, okay. So, wow, yeah, you're so much better. - It's not in my name. - Come on. - Whose name, my mom's? Isn't that even worse putting it into a family's name? What is this for? - Our bed. - Okay. See, I would say that's actually worse. Putting it on your family. Why would you do that? - This, my mom doesn't care. - But you make 200,000 hours a year. - Why put that on your mom? Regardless of if she cares, you're still putting the risk out of half your percent. - And it's still your choice. - It's your percent. - Good, zero percent for yourself. - Yes. - You're still putting the risk on your mother's, that holds your mom. - I'm hoping you're correct. - Hold your mother. - Yeah, I tell you. - Like 50 something, 52. - Okay. - Yeah, so she has like 10 more years to retirement. And you're putting her in a rescue position. You don't know what's gonna happen to you. - She's throwing herself. - She's an expat. - She actually abandoned her American citizenship for the most part and doesn't care about her credit anymore. - Wait, how do you abandon it for the most part? - I mean, she still has to abandon it or no. - Yeah, so like she has her-- - Where is she? - She's moved to Canada. - Oh. - That's where she's from. - Oh, trust me. The debt can still get her. - Yeah, I mean, so she's basically just abandoning her credit. She's just like-- - Well, the debt can definitely still get her in Canada. - Yeah, it can, I mean, apparently it can't from what she's told me of like-- - She is wrong. - She's separate, so I don't know. I don't know. That's not for me to worry about, so. - Right, except you put it on her head, so you might-- - So if anything, I'm gonna help her credit because-- - Yeah, but potentially unless you put it up, you're not willing to give yourself any kind of room for like a dramatic economic downturn or something. Because you're 30, I'm 31, really at the same age. We haven't really grown up in a real recession. We saw our parents get affected a bit by the great recession, but even still, the vast majority of our memory is no really economic hard times. Pretty much, you know, a little dip here in there, but not anything actually bad. You're not willing to allow the world to be complicated. - You're just gonna-- - The world is already complicated. The world's pretty fucked up, so I mean. - Oh, I don't know, the best priority human history, I would say, so. - I mean, as far as, like-- - Especially for a black dude. - And for sure, with no college education, yeah, 100%. Like it's the best-- You're not gonna hear me complain about that, but-- - You're just out of the world's fucked up. - The world is fucked, come on, dude. The world is fucked up. - It's better than it's ever been. - I mean, I would go back to the time when I didn't know the elites were eating children, so I mean that-- - You know, for a fact, you have evidence they eat children. I would say that's been made pretty clear with the evidence that's been really-- - Let's listen to Candice Ellen, so. - Ah, but either way. I mean, that's the size to the point. The mind world's great. My world's great. - The world is great. - My world is great. My life is amazing, so. I mean, as far as that goes-- - Hold on, keep holding your child. An elite might come eat him. - I know, that's why we eat him. - People say I'm an elite now, 'cause I have a lot of money. - You had your baby at home. - Am I gonna eat your child? - I hope not. - Is that really why you had the baby at home? - You don't have enough money to be that elite. - People say I am. - I don't have enough money to be that elite. - I appreciate it. I mean, give it a few more years. You'll be up there. - You're way more Jewish than I am. I'm not afraid of you these days, too, including Candice Owens, right? - Yeah. - I know. I'm probably her, like, Kryptonite, honestly. - Okay. - Jewish black guy. - Is that really why you had birth at home? - No, it's just 'cause we don't trust the medical system. Yeah, it's not super. - What are you afraid of? Do you think Joe Biden's gonna get in there and get all grab-a-grabby EDI-EDI? - No, but it is a fact that, like, you know, women of color have more justice panic, I guarantee you, like, every fucking doctor and everyone there's like, "Oh, no, no, no, no, no." - Is that Hispanic or Indian? - Well, that was Indian, but it never got brown. All the nurses look like you. - Yeah. - It's just not safe to have the baby in the hospital, is it? - Not safe. - Yeah, it's not safe for people. - It's safer than ever. - For white people. - No, it's safer than ever for every statistical race. Like, in terms of, like, actual infant mortality, it's safer than ever. - Yeah, but what about- - Again, I don't want you to head down the world. - What about the mortality of the mother, though? - Okay. Paulson's statistics. - Yeah, pull up the statistics of the mortality rate of women of color, specifically in Texas. It's pretty high. But going back to the bed, we got the bed for my mom because we had the baby, so we needed a better bed. - How does that make sense? - Because the house we got was- - Was the baby asleep in the bed? - Yeah, a lot of time. - Doesn't have to though, right? - Doesn't have to. - Safe co-sleeping, by the way. - Doesn't have to, but it's just, it doesn't have to. - You're finding a cop reason to get the bed. - No. - What was wrong with your old bed? - Well, the bed reclines. So, like, whenever I have to wake up in the middle of the night, his side of the bed can, like, stay down and I can just, like, recline the bed and feed her and do all this stuff. - That sounds great, but it sounds like we're finding a lot of reasons to it. And to put it on your mom again, I really don't understand that part. I know you're helping her credit, but it can, you've never experienced a real economic hardship. And sales gets really complicated in those situations. Luckily, pest controls are a bit more evergreen, but- - Yeah, a bit more evergreen, but- - That would influence something- - I'm sorry, what? - Like, what's that economic hardship? Would we experience- - High unemployment rate. - Right, so, like, do we have a high unemployment rate right now? - No, I'm saying- - Okay, so I'm saying- - On this 18-month term, you don't know what's gonna happen in the next 18 months is what I'm saying. I'm not saying today. I'm saying maybe 12 months from now. - Well, isn't that why we make sure we have the money in our savings if we need- - Potentially. - Yeah. - So, we have an emergency fund. - Which is spending more than you make. So, that's not gonna go anywhere. How? - We are spending more than we make. - Well, but a lot of the money's in check-in, so that's going in and out. Yeah, you do have a few thousand saved up on the side, but across all your debt of 108,000, it would pay less than 10%. So, that argument no longer exists. That's why we're- That's why we're risked that free, and then a fully funded emergency fund. 'Cause you're fully funded emergency fund, wouldn't even come close to touching your debt. - It wouldn't, the objective. - I mean, yeah, it wouldn't get- - It wouldn't get- - So, you can't use that excuse. - But it gives us- - And also, you know what an economic downturn does? - That leads to unemployment. - Which is- - You have any use, which has, you have any use, your emergency fund, that's not a six month emergency fund. - Which- - I know what you're looking at, but across our accounts are- - Your savings. - But across your account, most of it's check-in, so it doesn't work like that. - If that's, is that my savings? - Yes, I have all your accounts. Dude, this guy- - Our savings is between two different accounts. That's what I'm explaining to you. That's our rainy- That's our- Okay, so there's one that's a rainy day. Yeah, there's one that's a rainy day. - Yeah, it doesn't cover 10%. Rainy day, what rainy day? - I'm saying it, what it covers is constantly rainy day. - Oh my gosh, dude. - So it's even worse, great. - So the reality is, what I am saying is, if and actually- economic downturn happens. That savings goes to pain for months, not for pain for debts. - So you can't use that excuse the way you do. - Well, if this assessment is bad for you. - There's an economic downturn, dude, like the debt. - Like you need those others. - Yeah, the debt, which impacts your mom. That's why I'm saying that's bad. - But in Canada now, if there's an economic downturn in the United States, it's not going to affect her as much as it, like-- - What? - What? Anytime there's an economic downturn, it affects all Western nations. - It keeps living in the middle of nowhere, Canada. It is not going to affect her. - It's not. - If she's living in a house that's 100% paid off, and she's living off of whatever-- - Is it 100% paid off? - Yeah, she lives with her mom. - That's helpful. - They might be able to leverage some kind of lean against the house at some point. I don't know, maybe. - They can't-- - They're not going to. - They're not going to. - Probably not. I would side on the statistical likelihood of not. - And what? - So say-- - You can't say the risk is zero. Especially the thing is, I would rather the risk be on my head. That's the point. - Sure. - Mom, she's made it clear she doesn't care about her. - That doesn't matter. My mom can make a lot of choices, but if I still get the choice in the end to do it and approve it. - Yeah, and she-- - You're still being a selfish son in the way. - I'm not putting anything on her head, like-- - Well, technically, by absolutely. - Is your percent interest? - Yeah, no, no, you're just not taking an account for anything happening in the future. That's what I'm trying to bring up. You really don't understand that point. - I'm not saying this data, 'cause we want to be better prepared for the future. We're going to push back against it a lot. - So, I'm saying that this isn't an inherently bad debt, but I would put it on your head and you're certain, they coped the f*** out of the way to get it. - We need to do the bet. - Our bet was really gross. - We moved into a place that was fully furnished. So the bet that we were sleeping on, we God knows how many people slept on it. - So there was a little increase during COVID for mortality across the board. It wasn't just people of color, by the way. - We mortality rate for women of color compared to women of-- - It had a slight more raise. Yes, it did. But that was only during COVID. Since 2000, since 2011, since 2012, since 2019, it's still falling overall. Again, there was a boop, just like everything had a boop during COVID. So your statistics were just wrong. - I'll send them to the producers when I get home. - I said, I can send them to the producers. - Where did you get them from besides Candace Owens? - This is not a Candace Owens stat. - This is the Department of Human Services of Texas. - Department of Human Services of Texas. - Yes. - And you cross-referenced that with what other studies? - What do you have? - I do want me to just pull up. - Yes, sir, if you have it, if this is what you're, we spend all this money for this, then yeah, I'm gonna need you to have some kind of backing, please. - Spend all money for what? - Needing to do the birth at home. - Yes, because it is safer to have the baby at home than the hospital. - Well, what would you like me to pull up? - The statistics that you're using. - Buddy, you're saying cross-reference, give me where this came from? - I got you, I got you. - I just wanted to give birth at home because I wanted to explain it. - And black is the highest, black women. - Thank you, that's my point, thank you. You just made my point. - She's not a black woman. - Women of color. - Black women. - Women of color. - No, you didn't make the point. I said black women. - Okay. - And it being the highest doesn't still mean that it is high. - Cool, hold on. - It's actually for a white women and Hispanic women are barely off. Hispanic women is just barely above. Black women are where it actually gets higher. So again, you were wrong, you're a black dude, but you're not giving birth. - That was a wrong. - Yes. - It was a really fun experience, by the way. - It's point one, the mortality rate, by the way. And it's little boop, uptick is for black women. This is black women, this is the bad off ones. Point one, three percent. Now one percent, point one, three percent. Point. - We didn't want our daughter being in a hospital. - I was trying to get the Y in your Y wasn't correct. - Because it's just not safe. - That's not true. - It's not safe for her. - That's not true. - I think you're wording it. - It's not safe. - I mean, sure. - It's a good option. - It's a good option for a lot of people who might have ADHD or autism or something. - What from the hospital? What is it talking about? - What do you mean? - A search word here, a baby. - Talk about vaccines. We didn't do vaccines with her baby. - By the way, for Hispanic women, it is point zero eight percent. - We're telling you the right. - Point zero, it is right. - It's 50.3 deaths per 100,000 live births. - Black births, oh, that's even better than I had. - What is your say? - For 100,000 you said? - That's what I think that's what it says. - Wow, that's great. So now it's actually places zero five percent. - It says black women experience the highest rate among major single year. - That's how this desegregated report, which approximately 44 to 50 deaths per 100,000 live births, roughly three times higher than the rate of white women. - Which by the way, she's not even black. I don't know why we're focusing on the black woman part when that was your argument. But even they sell women. - That is point zero five. - Because there's no, they don't give a system. - Point zero five. - Yes they do. - I have it. - It doesn't say a year, so point zero five. - That's actually a very statistical W. - In terms of the modern medical system. - But you're saying that it's, it's, you're right. I wasn't saying it correctly. It's, it's, it's, it's forative vaccines. - No, it's safer to have your baby at home. It's safer than the hospital. It's not unsafe to have your baby at the hospital, but it's safer to have your baby at home. As long as there's no complications with the birth. - Well, isn't that a big if? Isn't that a big if? I would rather be in a hospital if there's complications with a healthy woman. - If you're a low risk. - Low risk, but you're still gambling. You're rolling the dice on that. - What do you mean? - Just with a better eye, right? - You're rolling the dice having a baby in general. - Point zero five. - You're right. - I agree. - It's a risky thing having a child together. - I'm not just agreeing with that. - Okay. - Well, you said it's safer to have a baby at home. - Unless. - There is medical risk. That's a big unless. - What do you mean? How's that a big unless? - You suck with money. So you download a budgeting app. - You start with the classic one. Why NAB? Everyone just elites it because it's way too complicated to use. So you go to every dollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rock 'em money that you got a lot of commercials, but they're owned by rocket mortgage. Guess what they want to sell you in the end. And there's the new guy on the block, Monarch. Hundreds and millions of dollars to private equity, raising so far. - But private equity doesn't have the best track record when it comes to private data. That's why I like dollar-wise. Bills play these people just like you. Four people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download and I'll start the free trial. Dallowwise.com, link in the description below. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered meta and YouTube to pay millions for the role in designing and promoting addictive platforms. 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 and 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. - If there's medical risk, yes, you should go see a medical professional, but if you're perfectly-- - What if it happened during birth, even if you're healthy? - It still can happen. - And it can happen in the hospital. - And I would rather be in a hospital if there's a medical emergency. - Okay, if there's a medical emergency, is giving birth a medical emergency? - It can happen during a birth. - It can happen in the hospital or at home. - And I would rather be in the hospital. - Okay, I'm not disagreeing with you whether you actually would rather be in the hospital, sure. But if you think about the process of giving birth, it is safer to have the baby at home if you are a healthy woman. It is. - You do not have to rush to go to the hospital as soon as your water breaks. You don't have a bunch of strangers running around you, telling you to do X, Y, and Z. You can have-- - I think doctors are just running around giving you different information about what to do during birth. - Have you been in a hospital during a birth, like during somebody giving birth? - You are telling me. - I have no-- - Have you been in a hospital when a woman gives birth? - No, so I educate me. - What happens is doctors running around giving you different information. - Yes, they're just coming in and out of the room. - And they're all giving you different information of what to do during the birth. - And they're all giving you different information, 100%. - Yes. - And they're running, hey, give birth, hey, don't give birth. - Hey, give birth. - Push harder, push harder. - Exactly. Some might come in and say, push harder. Some might say, come in, push less. Some might say, hey, it's time for the epidural. Some might say, hey, it's not quite time for the epidural yet. But when we could say, hey, I don't want an epidural in the-- - Lots of births? - I've been in the room for multiple births. Yes. I've been in the room for her birth. I've been in the birth for my-- - How many did you abandon? - None. Which is my first child. Come on. I saw my mom give birth, and I saw my ex's mom give birth. - That's weird. - I was in the room. I didn't like see her get birth, but I was like in the room. So-- - For healthy, low risk Hispanic women in the United States, hospital birth is statistically safer than planned home birth for the baby, primarily due to lower neonatal and perinatal mortality risk. Absolute risk are low in both settings, but material outcomes show fewer interventions at home with material mortality, too rare for reliable comparison by setting. - Bingo. - No, bingo. It's still opened with-- - What did it say? What is the ultimate statement there? - The alt? - That it is pretty much just as safe to have your baby at home-- - If it didn't say it says mortality is too rare for reliable comparison by setting. - It's fair, but you can't tell me it's safer. - Exactly what I just said. - And you can't tell me it's safer. - It's just as safe. - You didn't say that. You said it's safer. - It's safer to have your baby at home as opposed to the hospital. It's not unsafe to have your baby in the hospital. But if you're a healthy woman, it is safe for you. - Part of it is because home bursts are uncommon overall. Only about 1% of US bursts. So it is harder to gather information there, and even less rare, or even more rare among Hispanic women, CDC data shows 0.5% in recent years, give births at home. That's why it's actually very difficult. - That's what's recorded though. - That statistic doesn't take into account the fact that there's like a ton of Hispanics that aren't documented here, that wouldn't document that. That probably up their children. - Maybe, but you're just guessing at that point. - What? - You're saying that CDC data would account for all of the millions of illegal immigrants. - I would rather go off the data than pull out of my ass, yes. - Okay, cool. - If you're trusting the CDC, the same people that told you that vaccines were okay, but then updated their website and said that it does cost things like autism. - I don't even know what you're talking about, I'll be honest. - I'm talking about your trust in the CDC and the information. - I'm gonna rather go off the data than yes you. - I'm not saying go off of me. I'm just saying if you're trying to have me take your-- - I'm saying that the CDC is fallable. I'm saying that their information has been proven wrong and been corrected in the past. - Okay, so this study right here out of the New England Journal of Medicine shows that at home births for healthy individuals, even with a midwife, shows that the mortality rate for the child is about, oh, sorry, for-- - Is that what the child of the woman will be, make sure. - For the child is two times higher at home than in the hospital for a healthy woman. - Okay, that is the Journal of New England Journal of Medicine for the woman. - Child. - Interesting, which they still matter. And this one's-- - This one's amazing. - Yeah, this one's from the American Journal of, actually, I've come so better words, but a lot of the vaginal stuff. At home, it is three to four times higher. So it's safer? - Sure it's not. - So there's just no study that shows that it's safer. Yes, there is a lower percent of people doing at home birth, so it is hard to gather the data perfectly, but at all the studies, at least done, it does show that it is statistically more dangerous at home. I'm just, when we're making the lives for something that didn't consent to come into the world, let's be actual informed instead of down a weird internet rabbit hole. - Well, I was born at home. - So? - So, you're saying that like-- - That's so anecdotal? - It's not, okay, I'm not saying that it's not anecdotal, but you're-- - What does it have to do with that? - We did that, we did do our research before we had our baby at home, like you think we were just like-- - Your research is watching Candace Owens though. - No, it's not. - So she said, check my YouTube history. See what I'm doing. - I don't know, I'm listening to her. What am I supposed to go off? - I'm just saying, you know. - So we got a bed. - We got a bed for that. - Yes, yes, you sure did. - We got a bed because we had a new baby. Because you did a lot of Coke. - It's a really nice bed. - A lot of Coke. - Coke. - Coke. - And also the National Library of Medicine. We have a fourth one. - Okay, we get it, we get it. - Do you get it? 'Cause the next time you have a kid, are you gonna be smart or are you gonna go down the rabbit hole? - I didn't go down the rabbit hole. - I was just saying it was a smart kid of the baby at home. - Based on your argument. - Are you interested to have the baby at home? - Well, it's a distance. - My home birth was amazing. - And I'm not saying that for everyone it is, but for me it was really-- - I have, so I'm gonna talk to you. I have no issue with you having the kid at home by the way. No issue with that, do that. But if you're gonna sit here and tell me that it's safer and that's the consistently wrong-- - I don't think so. - I don't think so, but he-- - A midwife doesn't, okay. - Yeah, she, I mean, yeah. We had a plan also with, in case of emergencies, and nothing happened, so. - No, and I'm very glad. Again, I'm not knocking the having a birth and home. Have it if you want to, but if you're gonna sit here at this table and tell me, I have to cope all the spend, because it is statistically safer to have the kid at home when there is not one study, not one, not just the CDC. You can't just push back against that, not one study that backs that up, then I can't go along with it. - Cope spend. Cope spend. - Sure. - Then you put it on your mother too, which is very-- - Of you. - She didn't care. - Doesn't matter, my mom's-- - My mom wouldn't care if I asked for money today, it would still be so-- - Have your mom, has your mom ever got you a gift? - Yes. - Okay. - It was a gift from my mom. - That's it. - Okay, she's never gotten me a 5,000-hour gift. - Well, my mom's cooler than yours. - Where you have to do a minimum payment, I think she's more easy to be manipulated. - No, no, my mom's actually pretty hard to manipulate. - Hmm. - Who the f*ckin' minister to go live in the middle of a wilderness? Sounds like she's actually very easy to f*ck her brain. Yeah, where'd she get that from? - Yeah, herself. - Sounds like she's gone down, so weird. She's a little-- - Rabbit hole's a little liberal. - She's a little liberal. - That's liberal? - Canada's very liberal, yeah. But living in the middle of the wilderness with no outside connection-- - Being an expat? - Yeah, it's pretty liberal. Like just being like, "I don't wanna be an American citizen anymore." - Oh, that's what it was about-- - She got her Canadian citizenship. - She got her Canadian citizenship. - No, maybe then. - Yeah. - Well, she has her Poutine, that's great. 5,000 hours, 277 dollars, and 78 cents a month. Well, why'd you tell me there's no credit cards? I have a secured Capital One credit card, 250 bucks. - Yeah, I just got that. I just got that. Like this week. - You're too many to begin and I have no credit. - What is wrong with this man? - I did tell you that he got credit cards. - He gives me such contradicting information so frequently throughout this conversation. - I needed to build my credit. I just got this. - Then maybe you should have got the affirm under your name. - It wouldn't approve me 'cause my credit was too bad. - Oh, so that's what it actually was. - See how this guy is? How much does he try to gaslight you? - I'm sure that you've noticed. - I do not gaslight her. - That's when he tells you about the situations of the baby and all of that. I'm sure you can understand now. - I understand now. - I do. - And walks circles around accountings. - She knew about these credit cards. - She knew about them. - And I told you, and I told you about them. - She told you about the credit cards. - You see how you're trying to push information. - You knew about the credit cards. - Me? - Yeah, I just got them last week. - That's why I didn't know about them. - They, the producers did? - They're new. - Probably. - They're new. - Why would I know? - They're new from the statements that you had before. - And I fell down his trap. That isn't what I push back against. And then he's just throwing all these things here and here to get me off the topic I already was on. - Dude, and they're secured. - No, you're a professional. You're a great gas lighter and getting off of any kind of pushback against yourself. - There's zero balances in all of those. - $250. - That's the limit. That's what I secured. That's what I paid for. - Then why did you send that to? You sent us the limit. Usually we're asking for balance. - I have to, they're all zero balance. - Sell, sell, 500. - It's zero? - Zero balance. Yeah, it's a limit. - Why do you send us these numbers? - It's like an update, like an update. - We're like, "Hey, what are the balances?" And he sends us this, but apparently, they're only the limits. - Great, you're really going to follow an information. - Okay, I sent everything and they asked me if there was anything that changed. And I said, "Yeah, I got a few." - Yeah, here's these things. And he put the total down here. - He doesn't say total limits in that. - He doesn't say total limits. - I did not send that. - I didn't send that. - No, that's not for me. - I don't know, that's not for me, though. I did not send that. I don't know, I can show you on my phone, those, but they're all zero limits, zero dollars. I just spent, what, five or a thousand bucks opening secured credit cards. I put $500 on one and $250 on two. - You spent $1000? - Yeah, I spent, I spent $500 on one and $250 on two different. - So here's the chime, thousand. What are you, are you doing anything with it? Oh, hold, chime card account. - He did give me a credit, one of the credit cards for gas, on the new car. So. (upbeat music) - So this is a chime checking. - Yeah, so there's a chime checking here. - I'm getting some bullshit at the gas station. - Probably. - What'd you get? - He gets a lot of stuff at the gas. - What does he get? - Coffee, energy drinks. - Coffee is a gas station, energy drinks make sense here. - Gamersupps, I would get the liquid assets. I don't have any extra of those to give out, 'cause they just came out. But it's the Caleb, it's our final, finally, we have liquid assets, the Caleb hammer financial audit. Flavored gamer substance is absolutely delicious. Go ahead and, yeah, they're very goody, but ours isn't, it's liquid assets. - Robby. - But the thing is, they're actually really good. They're better than the energy drinks you get. We did a blind test, they approved that. They're so good, just check it out. 10%, 40 cents the servings. We got 10% off, link in the description below. El Poyo, see you in on Apple Bill. - Well, if we had it, we would give it to you. - Put some of that. - You always want things from men, don't you? - For free. (laughs) - El Mexicano Prime Video. - Chance the wrapper, 1500 dollars. - Yeah, I bought some tickets to go see Chase the wrapper. - Wait, how much was that? - $1,500. - She knew that. - I bought tickets meet and greet tickets for me, her, and then-- - It was brain damage. - You can't remember, you have a three-minder. - And then our friend that's babysitting our baby right now, I bought it for her and her husband, so we're all gonna go see Chase. - Why? - 'Cause my, they're my friends. - I didn't know. - Let's do that. - She's gonna pay me back. - He's gonna pay me back. - So it's not a gift. You literally got someone else into debt. Happy cactus, energy drink, energy drink, Amazon, Uber Eats, Amazon, Amazon, Uber Eats, Apple Bill, Apple Store, Louis Vuitton, Bullshit, churches, Bullshit. - Louis Vuitton was hers. - Church is chicken. - Wait, what is that? - Church is chicken. - What's that? - It's a chicken place. - How much is it? I think I probably usually get like a drink or something when I'm driving. - $1,000. - At church is chicken. - Yeah. - No way. - Oh gosh. - There's no way. - No, that was-- - I didn't eat there, so. - It's gonna be like five. - You know, it just says church. Maybe I was just assuming. - Oh yeah, it's church. - Yeah, it's church. That's tie things. Yeah, I give $100 every Sunday at church. - I don't think that's the percentage. It's supposed to be given. If you're a good Christian man, Apple Bill, Amazon, Amazon, Amazon, Amazon, $100. - At the end of the year, you make the difference, yeah. - Oh, you're gonna be making a difference. - Big difference. - Make commissions. - Happy cactus, Bullshit, coffee, Amazon. I mean, it's a lot of Bullshit, dude. It's an endless amount of Bullshit. - It's an endless amount of Bullshit. It's another time checking again. Again, this is why I didn't, [BLANK_AUDIO] not allow the ending balance because it goes up and down, up and down, up and down. So it's just like, it doesn't matter. The things are being transferred back and forth. Yeah, and then the spot me line of credit, this is nothing. My pay, and it's nothing, it's just, again, money's in, money's out, but that's what's confusing. It's just like it gets weird. Oh, you owe money in taxes. I'm much better than all your other guests. No, I knew you were going to chew me up about that. Well, yes, because you owe money in taxes. Yeah. I paid off half. That's tough of it. You sure did at some point, but why do you owe money in taxes in from one? So 21, 22, I owed taxes for, because what are you doing? I was just working a regular job, but I filed myself and I did something wrong. So I owed like 2000, and then I owed like 6,000 for those years, and then, but it got up to 23. Yeah, because 24 and 25, I would like 75, 7,500 bucks for those two years, and that's because I was making commission. Well, you owe 13,600 today. Yeah. Is it a payment plan? No, so they got involved. I don't know about him. Oh, and so much in taxes. That's crazy. Yeah, she's not. Yeah. You're going and buying a Porsche, Kayan, when you owe money in taxes? I paid off half the taxes before I got the Porsche. Uh, you should have paid off all the taxes before you got the Porsche. You're going to get the Porsche. You and your Porsche. Well, yeah, a child. I don't give a car for my child to get around. Not a Porsche. Yeah, but it's a nice family car. It is. We got a nice family car that's not our Porsche. It was about the same price as what I would have gotten. Dream car. It's a 20% interest. You selfish gold. I didn't know that. It is 20%. Listen, it's not that much, but it's a 20% interest. It is, which is insane. Yeah, it's insane. $8,371.20. Well, that's great. It's a 20% interest rate. Today, and you're not. So I don't give a fuck. We would like to pay it off in a year. Congratulations. You're not. Why don't you give a fuck? You also owe money in taxes, though. Guys, I love the financial order. I guess I come on and they get all the bad down. They're like, I would like to pay it off. Wow. What a gold star. Walk out of here. You solved your issue. You've been paying it off. Congratulations. You owe money on taxes and you have a minimum to pay a minimum of $250 to $2.66. You're not paying it off. Okay, here's a 20% interest. So cosine that with his mom. Yeah, my mom cosine the Porsche. Okay, car max. What did we give him? That's my truck. I'm picking up trucks. You do sales. Why are you driving a truck? So I got that truck in 2024. Whenever I was doing a lot of traveling, we were driving around moving to different states. I need something to like pack up all my stuff in. I didn't have a car. Get a f***. There's nothing. I see V. I don't know. No, I just need something that I could throw everything in the back and just move in a moment. What are you still all on it today? 20,000. 20,500. Nowhere. Yeah. Because you borrowed 25. But again, a 20% interest, right? Yeah. 20,000. You have a minimum monthly payment of. What? 610. 615. That's why we needed the Porsche because the truck is so hard to drive. Shut up, gold digger. Guys, we're so much better. And here we go. A pass do on what? Exeter. Pass do on Exeter. When? I don't think so. It read weird. Well, what is this Exeter for? That's the car. That's the truck. So it's the same thing? Yeah. Yeah. No, this is a different loan. Is it not? No, it's the same thing. It's just a second page. Yeah. It's the same thing. Okay. Student loans, let's see. That's read it correctly. How did you get 46,843 dollars to student loan debt? I went to college. For what? Neuroscience. Listen, whenever you decide to work again, if you ever do, instead of being a lazy spoiled bitch without your entire life, I'll get you a course career certification. So you can get back out there. A lot of people in the audience have converted them into six figure jobs, okay? Okay. Thank you. That'd be great. And I'll get you, you already got, you both have time? Yes. I like time. Time's a great check. I have time because of you. Yeah, time's great. I've had him since 2015. I don't need to get you on there. Lots of benefits, those for people to sign up in mind. I'm actually time premium. I got the metal card. Oh, look at you. 46,000 dollars, $843. What's your minimum to payment on these student loans? 321. Yeah. What were you studying? Neuroscience. Okay. Biology. Okay, this is, okay. Well, $0. It doesn't matter. This was late at one point, but it's zero. Oh, you were very late on the student loans and then you were like, oh, shit. Yeah, I didn't pay those for some time. I made like, are they made there in collections? Yeah. Got like, are you saying you're better than others? Yeah. Well, I was working with a credit repair company and they did get it taken off and they recently just put them back on, I think. Whoopsie. $1,819. Yeah. I think that's the only salary made that was $1800. $1800. $1800. Yeah, but it's in collections. Okay. Oh, no, there's more. More salary made. Okay. $4,500. $13. But I didn't see that on the credit. What is that? Well, it's on your credit report. Unless it's on hers, man. No, it's online. Okay. This is the student loans. We already went through that. I see systems. One of the collections, $204. $204. $204. I see systems. Yeah. Not paid off at all. I have no credit. That's for? I have no credit. I have no credit. I have no credit. I make sure that decision is in my Tony's man. And then you, okay, here's your chime. a pollo, a Donald's, bullshit, some removed, some removed, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. You weren't, no, you actually spent more than her. - Yeah. - Yeah. - And you're checking it out. - And again, this is why I don't count what's in your check-in, because everything goes in and out. So I'm not going to count the choices of saving. Your savings is 12,000 across the board. And that's not going to do a dent, and you said you had to check something. Combined, if you go through it, this is all bullshit. So bullshit. - So this is a different check-in account, this combined one, which one's in? - Which one's in? - No, so combined account activity. Oh, this is all your accounts here. - Yeah, yeah. - Can you buy me a cash app? - Yeah, 13. Yeah, we did one here in check-in accounts. PlayStation, PlayStation. - Was that pool hard hit? Really that bad? - I'm so confused. - Yeah, it was pretty bad. - Okay, 10,000 in your savings were down from 12. Down from 12. - Wait, what? - Your savings from 12,000 down to 10. - Yeah. Well, so when I opened the PNC account, they told me that I had to keep $5,000 in my check-in or else I would get a draft fee. - Bullshit spending in the check-in account there, but I'm talking about your savings, dude. - Oh, well. - And in years, it went from 12,000 to 14, but that was just checking the kind of. Everything's in and outsets are hard. Bullshit, bullshit, bullshit. It's just getting more and more and more bullshit. - Yeah, it's a lot of bullshit. - I don't really spend for my kids. - This is late outs and collections, 21,000 hours from global lending services, a lot of loans. - Oh, that was my car loan. - Oh, it's not just one end of collections. - No, it shouldn't be because we. No, I believe you, it's in collections, but she has gap coverage on it, and they didn't pay it off in time, and then they sent it to collections, and then we were working with them to like. - Okay, so you're still working with them? - No, no, we've got that settled. - Well done? - Yeah, we just have to call, I guess, call them. - Call them. - Could they take it off? - There's no debt owed on it. - And 3,000 in someone's retirement, who's? - Mine. - It's like 4,000 now. - Okay. Yeah, as a household, you guys are dramatically fined on retirement. Okay, let's try to budget this. - Very interesting, especially for a high-income earning. So, okay, income, 12,500, what's your rent? - 2100. Okay, all utilities plus internet combined? - Hmm. - Like 24? - Oh, wait, no. The rent is 21, and then utilities is like. - Electra gas, water, internet, come on. - It's like 350. - Okay. - The phone bell. - 167. - Why? - T-Mobile. - Two lines. - Okay, well, T-Mobile, same towers with helium for 15 bucks a line. If you don't on your phone, I'll literally switch to that and not pour. - Right. - Do you use helium or T-Mobile? - T-Mobile, 'cause I can afford it, and it's in my budget. - We're not poor. - No, you can't. - You literally are poor, you're broke, you can't afford a ship. - Well, they include. - It's the same service. - They include Netflix and stuff like that. They include some subscription services. - You don't need it. - It does survive. - It's better. - That's $300 a month. - Okay, car insurance. - I paid every six months. It's like $3200 bucks every six months. - Okay. - Really? So, $533 a month? - For both cars. Full coverage, yeah. - Yikes. Dude, you guys are both terrible. - Terrible. - Yeah, we have terrible drivers. One is. - I just had it. - $1,466.94. Yeah, and you're telling me, you don't need to do poor people things. Yes, you do. Groceries. Kids on Teddy, right? - Yeah. - $600 bucks then. Mill Prime, Mill Prime. Tea if you find anything else for you and the kids. Divers and all that shit. Okay, $300. Medical health here. Are there copays, monthly basis? - No, she. - I don't have any. - She's free money. - So, we can Medicaid. - Yeah. - Yeah. - We're not married. - I know, but. - She's a single mom. - It should account it. It's kind of disgusting. That is disgusting. What do you get? - I get like $50 of roots and veggies and then the rest they just like give me like. - Mill Cakes. - Okay, so we can not like a dollar amount. - Okay, then I'm putting 400 for groceries. - Medical health care. What are your copays and the monthly basis? - Zero. But we also bought a quarter cow, so we don't have to really buy meat anymore. - Really? Weird. $50. I'll try. Is there a gym? - Yeah, $130 a month. - Okay. Anything else that needs to be in this budget? - Like my monthly maintenance. - I did. I put the TPP fund as 300. I thought you watched the show. - Oh. - And I don't care what you think your monthly maintenance is outside of that. - That's not. - Not a lot. - Nope. - Well, almost like you have to budget for the first time in your life. Okay. So because you guys have a lot of leftover money, what I'll try to do is give you a thousand hours for bullshit. - There you go. You put that towards what you want. Okay. That's because you guys make a lot of money. If sales go down, you cut that as the first thing. - Yeah. - That gives you an extra 5,000 calls to 5,750 on a monthly basis. Well, all debt besides the student loans. - Shit. - Do you need help? - Don't help him. Let him be disorganized. I'm just kidding. He's helping us. - Okay. Pay off your taxes literally. - Two and a half months. What is wrong with you? Prioritizing a portion of the set. You're a-- - You only live once, man. - Uh, yep. So pay your taxes. - I like what? - The government's not going anywhere. - Oh, they're coming to get you. - So take away the student loans. Add in the collections for payoff your debt and. - What's your dog's name? - Nine months, corn and pear. Okay. Nine months and you pay off your debt. What the fuck are you guys doing? You're just acting like children, you're selfish. And then you have a kid. Fix this, get it fully part of an emergency fund. Get your shit together. What a pathetic-- That's pathetic. Let's see who's really cheating today, still. I'm going to go through their phones in the post show. You know I always find something. It's going to be incredible. We might call the mom as whoop. So let's get the hammer financial score first, though. Spending in a budget, you overspent zero out of ten. That you have collections, zero out of ten. Emergency fund. For your guys' actual needs of survival, it's about a six out of ten. A retirement, very behind for the household. Very behind, let's say two out of ten. They'll say zero out of ten. So certainly it is that savings, that got you, but it needs to go towards debt, really. Wipe it off and actually like six months withdrawing that towards it. Real hammer financial score. And I bet if you check it now that we've updated it, it's going to be a two out of ten. Get yours at Calebhammer.com. Now join us in the financial audit post show. By joining Hammerly by clicking that join button below, you get three premium incredible shows every single day, six days a week. And you can also join in on the hammerly.app or by going hammerly.com. See in the post show. Usually the women are more interesting, but this time, maybe it'll be the (beep) man's phone. He is not going to have anything. Oh, well see, I was not happy with that. Who's this? You sure? Veronica? Why are you sending eye reaction emojis like her working out? I just launched the brand new Hammerly.app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. We refer a friend after you sign up and you get an additional 30 days of Hammerly access for free. Download the Hammerly.app by using the link in the description or pinned comment down below. This is the best membership you'll ever join. And that's a promise. I want you to be on the next episode of Financial Audit right here in Austin, Texas. Go to katelapamber.com/apply or click that link in the description below.