Financial Audit's Craziest Divorce

- To watch episodes of financial audit a week earlier, check us out on YouTube. - She went and followed some charges on me for some domestic stuff. - What did she say? - That I pushed her again. - He was drinking and driving with the kids in the car? - In the conclusion. - My attorney told me that there was a warrant out for my arrest work. - Wait, why am I told? - Yo, you went to jail. Why are you sending all this to (beep) You said friend where we are not sending friends this. - Yeah, but. - Yeah. - Would you be insulted if she sent needs to another guy? - Very. - That's (beep) dumb. That mindset is (beep) dumb. - I just launched liquid assets. My official GamerSubs flavor raspberry apple at less than 40 cents of serving. It's also zero sugar in under one calories. Use code Caleb for 10% off your entire order. Oh, and one out of every 10 tubs has my face printed right on it. Grab liquid assets at Gamersubs.gg/calib or at the link in the description in pinned comment below. This is the best drop GamerSubs has ever run link in the description. - This is Virginia, I'm 26. - And I'm Tony, and I'm 28, and we're from Waco, Texas. - And this is financial audit. - Hey, thanks for coming. Austin, guys, happy to have you on Virginia. What are you doing in Waco, Texas for 11? - I am a patient care technician at a dialysis clinic. - Sure, I hope you make money. Do you make money? What do you make? - I make 22, 14 an hour right now. - Okay, you didn't seem confident in that number, but then you give a very exact sent. - Yes, because I'm supposed to, we were supposed to have raises put in on Monday, but they didn't put them in yet. - Well, what's it gonna be? Do you know what you're gonna make? - I don't know, clue. - How do you not know what you're gonna make? - Because they didn't tell me how much of a raise I was getting. - Okay, maybe you didn't get a raise. So, what is your, how many hours a week? - On average, probably 44, but it kind of varies. - Come, what's your per pay check pay? - Hopefully it's going up again. We just don't know how much. It's probably gonna be like a two percent, three percent thing. - Yeah, I'm hoping for five, but right now it's about 14 hundred every two weeks. - 14 hundred every two weeks. - Good. So, Tony, I do field service on compressors and such, make more trades related. - Yes. - So, be more money, let's see. - I make 70K a year, but I pay a lot, and I shout support, and so, my bring-up is, - Well, that was your fault, that's not your job. Your job's good, trades are good. - Yeah, that's all me. - Yeah. - How are you dumping loads, dude? Are you guys married? - No, not yet. - Are you gonna get married? - Yes. - Yes, next year. - What do you times say if you've been married? - Twice. - Okay, you're 28th. We're gonna be, you're giglin' about that. That would actually make me incredibly nervous. - I've also been married one time before. - What the fuck is wrong with you guys? You're 26, dude. - Yeah. - What the fuck is wrong with you? - I've been married. - I've been married this many times. - I had a bad problem with thinking with my little head instead of the big one. - Yeah, I don't get married based on a penis. I face on a penis. I don't propose with my penis. - The second you talked about was, I was co-horsed. - Not like co-horsed, but like, she- - Oh, I was co-horsed, except for, you know, I wasn't actually really co-horsed. What are you saying? - She was pushing me and just- - That's what you say, no. - Yeah, it was- - Well, you got it. - Didn't it marriage? - No. I was in a bad spot because of the first divorce. It was pretty short after that is bang bang. Pretty short timeline. - Well, so short. Like the, just, you know, a few months after, we'll probably a month after it happened. - Oh, how long have you been divorced since your last divorce? What has it been? - Okay, that's kind of, are you guys engaged? - Yes. - Okay, that's kind of bang bang again. How have you not learned? - That's a blessing. - This is a thing. - What is wrong with you guys? How long have we worth your first? - We were together for about seven years. When did you get married? How old were you? - At 19. - Oh. - I didn't know that. I never, like, looked at the timeline. So I never knew. - Okay. How long were you with your second? - About a year, the entire, we got married within four months of 22. - No, why are you having so many kids? - That was with my high school sweetheart. - I guess you were together for a while. So it's the- - That's ultimately what led to the first marriage. - How did you divorce? - I was cheating on her. - I thought about killing myself. - This f**king show. You didn't know that. And nobody- (laughing) - Oh, giggle about how you're giggling. He's giggling about cheating on his first wife when you're about to be a third. - Yeah, I also didn't actually know that's why they broke up. I knew they were cheating. - What the f**k are you learning about that now? - I can forth on each other for a little bit. - I don't remember if you- - Tony, what'd you do? What was happening? - I was just all for working on the road. And I was traveling for work. I was doing wind turbine. - Wizards? - No, no, no, no, no, no, just tender going on days. 'Cause I would be in the area for three to six months. - Oh my gosh, but why didn't you just like try to do like open or just break up or something? You had kids with this woman. Why didn't you like ask permission or something? 'Cause I'd get it six months constantly somewhere. I mean, yeah, I would struggle. - She definitely wasn't open to it. - Well, did you talk about it? - No, I like it ever so much. - But then you don't f**k. - No, but either way, even if she wasn't, if she isn't, then if you're a loyal husband, don't. How often are you f**king? - It only happened a couple times. - Uh-huh, how many years then? - That was like, all right at the end. I went out on the wind turbines and within six months we separated. - What the f**k? - How'd she find out? - She's showing her adultery. - My snapchat had my first and last name on it and one of the girls looked me up on Facebook and saw our profile and messages. - She outed you. - Uh-huh. - Yeah. - You deserve it. - Wow, what happened? - We talked about it, argued for a while. - argued, oh no, I stuck my dick in another woman without your permission. - Yeah. - It's a really an argument to be had. - It was more just like her yelling at me. - Yeah. - I've said about it not so much, like the argument back and forth. - This was two years ago by the way. - No, based on, oh, you're right, a year ago. - No, this was, bro, based on your timeline of how, how, yes, it absolutely, based on the timeline of how long you're with your second marriage and you said this was the end of your first marriage, you only had a month gap between them too. This is a year, year and a half ago. - We've been together. I think I misspoke earlier. - Okay, how long were you guys together? - A year, we've been together. - So this is two years ago. - Yeah, it would have been two years ago, two and a half max. - 2021. - No, that timeline does not make sense. No, that timeline does not make sense. May I, this, this is, I'm struggling here. - No, you're just trying to make her feel like you're not gonna cheat on her. - No, that's, we separated and we got divorced and then we got back together. - You got back together and cheated again? - No, I didn't cheat again. But that's when-- - Okay, hold on, hold on, hold on. You guys, you guys have been together for a year, that's you guys, one year. There was a home of a gap between you and there was a-- - Well, it says you started dating her. - We, it says you started dating her in your last divorce. - There was, I would say, a four month gap. And we've been, it's been more than a year now. - Yeah. - But no, it's just a few months. Maybe like a year and a half if that. - Four month gap, gotcha, and you're with that ex for a year. Ex-two, one year. There was a one month gap, and you were with her for seven. - But that was, we were separated for a while. - How long are you separated? - I don't remember exactly. - Come on. - Oh, that's what I'm trying to think about, but it was a-- - Dude, you're with her for seven years, you've been cheated at the end even with a little separation. There's only one month between this. And then there's four months before you guys get together. So here's the thing. I'm talking a year, year, one, two, two and a half years. - We were separated for like a year and a half, maybe two years 'cause we went through the whole, we were divorced, everything had happened. - Why'd she leave you the second time then? - She would never, she'd started dating somebody else and then he cheated on her. And so she came and started, I was the other guy. - I was the other guy in that situation, and I didn't know it, and so that's when I left, but it really-- - Well, she was cheating on him? - Yeah, with me, and so it really messed with me, and that's why I just jumped into the relationship with X2, and it was really just a rebound, but, yeah. - How many women were you with when you cheated? - Come on. - I think for sure one before we actually separated-- - No, no. - There might have been a second one before we actually set free-- - How do you not know? - No, it's just a long time ago. - Not really, it's really not. - It is. - Kind of a blur, and there was a lot right after that. - At best, like four years, that's probably closer to three. Dude, the reality is, she didn't even know. She didn't even know, that's why you guys got divorced. She didn't even-- no, dude, you're gonna be a third marriage. He's gonna be your second, and he lost his first marriage 'cause he cheated on her with multiple women. What the-- why are you guys-- why are you guys-- Guys, guys, you met five months after his second divorce. The second divorce was absolutely crazy. You've only been together for a year, and you're both gonna get into your second third marriage. What the-- do we do it? Why are we-- why are we doing this? So quick, when's your marriage? - The date is October, 2027. - Yeah, okay, you'll give yourself a little more time there. I can appreciate that. Thank you. You don't feel like a rebound? - Honestly, no, not like-- - Okay, I feel more like a rebound. - Okay, so why'd you get divorced? When did you get divorced? - I got divorced in 2024. - In 2024? - Yeah. - Okay, so like, you've been together for a year, whoa, whoa, whoa, whoa. You guys got together immediately after her divorce. - Yeah, well, not after her because she got divorced and then she was dating another guy for a while and she had moved here. - No, and if 2024, meaning like the beginning of 2025, if you guys have been together for a year, which means at the beginning of 2025, if you guys, if you guys got together a year ago from the day, - Yeah, we started dating in March of 2024. - It was like like four months after your divorce. Okay, March, three months after your divorce time. - Did I say the wrong year or something? - You must have, unless you're, 'cause she dated a whole other guy for like a year after the divorce. - Yeah, and then you must have been end of 23. - Yeah, sorry, yeah, end of 23. - Why'd you get to, how long were you with that man? - I was with him for two months before we got married. It was your typical military marriage. He's deploying, I had no health insurance. It was a win-win. I got health insurance. He got BAH and separation pay while he was deployed. We had a lot of fun in partied, whatever he was state side, came back from deployment. It wasn't the same. - What does party mean? - We just went out. Well, actually, we were kind of in the party house. We threw a bunch of parties, a lot of drinking, just having fun. - Yeah, eight, two, 40 years. - Yeah, eight, two, 40 years, like a, probably. - There was not really a connection, honestly. It was just having fun, and then turned into a-- - How long were you married? - Two years. - What the, why'd you guys get divorced? - He came back from deployment. We kind of realized both that we didn't connect anymore. It wasn't a, I don't wanna say a real marriage. We were married, but-- - Oh yeah? - There was no genuine connection. We had nothing to talk to each other about. So eventually, I just decided to leave. - Okay, you left. - Yeah. - Did he know? Did you tell? - I'm making it sound like you're just gonna walk away. - Yeah, no, so he was actually deployed, and-- - Oh, come on. - Yeah. - Were you with someone before you broke up? - No. - Really. - Really? - Wow. - Wow. - I will say I did entertain some people. - Militarium, what's that? What does that even mean? - There was, there was one night where we were drinking and we went to Waterburger. There's a guy in the parking lot. My dogs were in the car, he came to say hi to the dogs, and then we ended up two stepping and the parking lot at Waterburger, and I was kind of entertaining him a little bit. - What's entertaining him? - Just talking. - Okay, that's called parking. - Yeah, entertaining. - We were flirting back and forth on Snapchat quite a bit. - Okay, you sent notes. - Yes. (growling) - Okay, so you cheated, great. Dude, this, everyone's a cheater. I'm just convinced at this point, everyone's a cheater. Guys, just go open, people don't vibe with open, that's okay, then don't, and break up. We're staying together. - I mean, I did actually have that conversation, though, about being open, it didn't work. - Well, there you go, yeah, you still sent notes, so you cheated. - This is true. - How many people you sent needs to? - Just him, just the one. - Both of you second and third marriage, both cheaters, why are you confident? This is gonna work. - I mean, I know I've changed, and the feelings-- - Oh, a couple of years? - Yes. - Okay, how long have a gap between seeing that other guy, you talked about, and-- - That was a rebound that definitely did not end up a rebound. - How long was the gap between him and him? - Between X and, I mean, Tony. - Yep. - Maybe a couple months? - Well, that's why you feel like a rebound. - Yeah, she, they broke up around Valentine's Day, and then we started dating in March. - Okay, so what's not a couple months? - Not bad. - It's like a couple weeks, and by the way, it's not like, okay, so you learn stuff in a year? Because I know what happened. I was reading over during that entire conversation we had, which we didn't know most of that stuff, but we do know what happened with that guy. - Yeah. - He was living in a hotel, and he was just fully funded his life. - Yes. - You let him in your cash app, you gave him access to your cash app, you were giving him money, you were just funding him. Can't tell me you learned your lesson. That was a year ago. - Yeah. - A year ago. You don't know what the fuck you guys talking about. - Well, with that, I learned a lesson that-- - Don't give a guy that's homeless your cash app? I don't know if you were able to learn a lesson. - To acknowledge people taking advantage of you, to actually stand up for yourself, said boundaries. That was a big one. - Boundaries is not letting someone into your cash app if you're, if we're on the boundary conversation like that. - Yeah, that's what I'm saying. - You're just a broken individual that-- - Zero boundaries before this. And then I think going through that and funding him and kind of-- - Funding him, how much money did you give him? - I couldn't even tell you. I know he didn't have a job for several months. I was fixing his resume and turning in the resume, applying to jobs for him, and yeah. Right around the end, he finally got a job. - And yeah, you take a guy where half his money goes to child support. - Yeah. - 'Cause he can't keep it in his hands. - Yeah. - He's the only child support on the basis. - I pay 1,800 every month. - How old is it? - What was your pay? - 70K a year. - Okay, now what do you actually make net on a monthly basis post child support? - I think it's 2,400 monthly. - Not? - You make less than her because of that. - What is wrong with you? Why can't, guys, don't get-- - How old are they? - 68. - We're gonna be paying for this for a long time. You have any kids? - No. God bless. Sounds bad, but I'm so glad I didn't have a kid with that man. - Well, I'm sure you canceled the couple along the way. Okay. Uh, fuck. Okay, so two kids. You guys are gonna go, what the, okay. So what are we, what are we, what are we, what are we, you guys are here together? Have you combined finances? Please tell me now. This point, yes, keep taking it, said yes. Guys, you move so quick on everything. You're gonna end up in another mess again. - At least we're waiting 'til 2027 to get married. - Yes, I am actually glad you're not doing the f---ing not, but you've already done the biggest thing of all, which is combining finances. So, it doesn't even matter at that point. What are we doing, getting a f---ing document sign that has a couple legal protections and tax benefits, sure, that'd be great. But other than that, you guys can combine your finances. Your life is now intertwined in a way that would take forever to untangle if something bad happens. What do you guys think this will be the one? After you've popped out, babies, you brain for those. And after you just, cheating on military people, of course, is always happens. And you've got other f---ers when you're with a wife of seven years, which is crazy, by the way. Why is this the one? No offense, look at what life is done to you guys. You look literally 45 in the eye bags that you have in the discoloration around your eyes. It's like you have cancer or something. Like something is, like you guys have gone through death and you're not even 30. Yeah, I've been working hard a long time. Now to pay child support. Yeah. And supporting them before I was on child support. Huh? I said, and I had to support them before I was on child support. Were you even fully divorced from the second before you met her? Yeah. Well, no, no, no, no, of course not. Sure. So why do you guys think this is the one? I can speak for myself and the connection I have with him is so much stronger and so much better than it was. For a year. I understand it's only been a year, but I mean, we've been through a lot of a lot of shit together as far as figuring out, figuring out finances together was really big. You haven't figured out finances together. You're on the show where I figure out your finances for you. This is true. So what have you figured out together? I've been through it together. Navigating, co-parenting has been a whirlwind. It is now good. It's a wonderful relationship between everybody. And then I guess moving in together, moving out together. What? Yeah. Yeah, so we first moved in. Well, we first started dating. I moved in with her and her friend. You moved in with her when you first started dating? Well, yeah, I was pretty quick. How quick? It was in July. How do you guys not learn a fucking lesson? That was like two months later. And the crazy part is in the beginning. Him and my both were like, we've rushed it before. Like, we're not rushing shit this time. You've rushed everything. And then? And then he was done. You, he will literally put a bit. Can you have babies? He will put a baby in you. Are you on birth control? Yes. What kind? Next one on? That's a shot in the arm. No, that's the implant. Oh, right. Oh, that's kind of what I meant. Oh, sorry, there is a shot version, right? Yes. That's like the highest effectiveness thing going to us. OK, I will accept that then. Responsible. Well, yes, basic minimum requirement with what happens between you guys. Because you guys literally can't control your impulses. OK, so over a year, you guys learned how to do co-parenting something that would just be required dating him, by the way. You guys move in quickly. You guys are happy in the honeymoon phase. So that's why you think this is going to be a forever thing? I mean, you know your track record. Yeah, and that's a lot of while I wanted to push the wedding back and not do it. But why have you combined your finances already then? It's more so. We do it through Capital One. So we have separate accounts with their combined. We're both secondary holders on each other. So we can see each other's finances. But she has her own number. Why so quick? That is an excellent question. I think back to what I said about which head I think with. Sometimes I don't know this. So why don't you let him move in so quick? If you were both like, nah. He was struggling to pay his rent and his bills. And honestly, we were thinking- Wow, that sounds like someone I want to move in with me. It sounds like I'm dating a loser who can't figure out his own shit on his own. So why am I supporting that? Yeah, but we had the discussion beforehand about his finances and what was hindering him from- All those hindering him. Attorney fees. I was having to pay for all the divorce and all the other drama that she brought up with the divorce. What was that? She went and followed some charges on me for some domestic stuff. They ended up- It was all bullshit. She just made it- Was it? What did she say? Before we hear the conclusion, what did she say happened? She said- [MUSIC] [SOUND] That I pushed her down or so, I don't know. I don't even remember- No, what did she say? That I pushed her down. Okay? She also claimed that he was drinking and driving with the kids in the car and specifically said that it was a enchilada, which I don't know if you know what that is, but it has tomato juice in it. Doesn't really drink, and he definitely does not like tomatoes. So- Tony. Tony. Yeah. Yeah, no. I mean, don't get me wrong. I do drink. But it's not like a regular thing. Like, I might go have a couple of years- Why would she claim that? Because she was just trying to- She's crazy. Yeah. She basically- She told me right when we separated that I wasn't going to see my kids anymore, and that was just kind of an attack at me. Why would she claim you pushed her down? I don't know. Okay. In the conclusion, I had to go to a divorce hearing, and so my attorney told me that there was a warrant out for my arrest for- Wait, why am I told- Y'all you went to jail? Yeah, and so they- I went and turned myself in for it. They dismissed all the charges. Um. Good. And so- It's crazy that you can get a- That like- Unless you like your- No. I guess I would rather people get arrested before. Go through the whole thing. In case people are violent, but- It's so weird. Uh, before you're even charged with a- It's so interesting to have to go to jail. How long were you in jail? I just spent the night- I went- It's still crazy. Yeah, it's- It's a- Yeah, it's so interesting thing how that happens. Okay. So you hear a guy that had court fees for- Allegedly, and turns out didn't, but allegedly pushed someone down and drove drunk with the kids, and you're like, "Move in." No, see- We have different standards. This- Yeah. For people moving in with us. Yeah. You and me. Yeah. I guess- I'm not sure how much of that situation I knew before you moved in. I don't remember- Girl, you didn't even know he- You cheated on us. First one and that was the divorce. Well, I knew that he cheated, but I didn't know it was the specific reason. Yeah, although it was the reason for the divorce. That's crazy. You guys are together nights. Good luck getting married. You already have a marriage date on the- Yeah. Well, after- You didn't even know that's how they got divorced. Man, and understanding that- All right, after you cheated on him. I just assumed that it was, you know, distance. Distance doesn't always work for everybody. So I thought that maybe he was just- He's gone for six months. He was at home alone with the kids, and- She's still doing it anymore. Mm-hmm. Give me your phone. I'm gonna be real with ya. Your dad is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans, and collections. Whatever. Your interest rates are different. Your payments are different. Your life is different. So why do you need some one-size-fits-all solution that treats you like a number? Some generic calculator that fits out. Just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, "Good luck." They work to understand your specific scenario and help provide alternative solutions to becoming debt free. Whether you're struggling with credit cards, personal loans, collections, or medical bills, PDS debt has customized options designed specifically for you. Not your neighbor. Not some average case study. You. 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That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rock and money, they got a lot of commercials. But they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then 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 now start the free trial. Dallowwise.com. Link in the description below. Cory, so what's going on today, guys? As far as what? We have a. What's going on? Spend it. Spend too much money, for sure. Okay. Who's Sussle? That's my brother. Okay, that's good. This is my best friend's husband. There's a guy I play video games with every now and then. It's been a while since we played games. Messaging not too many weeks ago with him. On Snapchat with disappearing messages. Just seeing if things are living up. Why are you sending all this? That was one of my friends from high school. It's been a long time since I talked to him. Okay, it actually has been a while. That's fair. Your friends from high school. I mean, you're sending interesting things to your friends. Yes. Yeah, that was a while ago. Okay, let's not say friends. Come on. I mean, you guys were definitely flirting. Yeah, but nothing ever came of anything. Okay, let me see your phone. You see if we're keeping up trends here, guys. If you're a few months into this. Let's try to discover a lot of things on my phone. Okay, see she. This is why you can't listen to her say friends. Yeah. Yeah. That's fun. That was a full-on booty cheek, you know? It was in fact full-on booty cheek. So it was in fact a full-on booty cheek? Yes, that's what I said. Okay. Why do you still have them in your snapchat? Well, I mean, it sounds like. That's an older chat. He saved that. But what concerns me is the guy that she was just talking to a few weeks ago that she plays video games. She says, "That's my friend who I play video games with." That's what I said. But if that's what we call friends. If we're literally sending full-on ass cheeks to our friends. That starts to concern me, you know what I mean? I agree. It is concerning. Just based on her history. I'm not even fully alleging 100% just saying based on history. What are we doing? Is that. Instagram? That's. Huh? We write dirt bikes together. A friend. Yeah. Okay. Wow. Lots of memes. Yeah. So each other. Okay. Lots of memes. It's been a while. I mean, there's lots of guys you are messaging. In here. I'm not seeing anything in a. Probably. Maybe a month ago. Because I was at home board. And I was like, I want to. Yeah. But I don't even know what you're talking about. Okay. He was asking when you were coming to. Oh, that's my. That's my friend's husband. Okay. I was talking to your friend's husband a lot. Okay, okay. He sent me one message. Okay. What's this paired thing? Oh, that's our relationship app. Why? It gets us talking a little bit more about what's going on in our lives rather than just. Are you guys struggling? No. No, we started doing that when we first started dating. Just to have different conversations than your typical dating to know someone conversations. Three different questions that I ask you every day. And they're just random and you answer them and both see what the other said. Okay, so just based on our history. Just based on our history, do we have any nerves? Cheater. Cheater. I know that I haven't done anything. I think it's concerning that, you know, calling people friends, but. Well, yeah. If we're sending asks to friends and then you are talking to that gamer guy a lot. Come on. Right? No. No. I think I messaged him once and asked him if he was working. Would you play a video game? And I don't really play games anymore. What, you just said. See, how's the story changing there? It's not changing. I don't play anymore. I wanted to get back into playing. And I don't play Call of Duty unless I have a friend to play with. My best friend works in 9-5 Monday through Friday. So she can't play with me while I'm off. She's a police officer. So he works the rotating schedule. I never know when he's going to work. So I have to ask him if he's free before we can have on the game. And again, I'm not playing by myself. Your phone so far looks. Colleen on Snapchat. I can't see the last time Tinder was downloaded. But it is not downloaded now. I don't know how to see the last time it was downloaded. And I deleted it after we agreed to delete it in my full-on account. You guys went official, right? Yeah. Okay. Okay. I think we're safe. Are you not nervous? Because I would be nervous. So based on our history, how quickly you guys move dropping loads and cheating, you both cheat. Okay. Not nervous. Okay. I think a lot of what makes me feel better about it is I've never had the desire to cheat on Virginia. Well, you've been together for a year. Well, wasn't it like seven years into your first marriage when you started cheating? Yeah. I would say right at the very beginning, there was a different time that that happened. But that was when we were still in high school, like right, high school, it's different. And then everybody that like I dated or entertained after that, I, I was, I wasn't having a relationship, but I'm not sure how they felt about the, what we were doing. Did they cry? I thought you were. On the road to relationship. Okay. So what are we talking about today then? You got all have combined your finances some way too early in my opinion, especially with just how quick you guys move. So what's going on? I'm also trying to find out what she's got a whole separate account that she puts $600 into every month that I don't get to see. Why? If we're combining to get like eyes on everything, why is there a separate $600 a month account? So I mean, in the beginning when we put all of our finances together, I think it was like maybe four to six months of us being together where we decided to have access to each other's bank accounts. I thought it was a safe idea to go ahead and have a little bit set aside for myself and then I just see it. What did you see? I changed it. I asked her to see it and she just kind of brushed it off and changed the subject and said she'd rather not. I'm weird. I don't, I don't think you've ever actually asked to see it. And she just said he did. I mean, it's a lot of the charges on that account that I get mad at him for. So. Huh? Yeah. So like the gas station, fast food, stuff like that, that's my bad account where I just spend bullshit money. So backstory, she was watching the show first and she was telling me how I was messing up on my finances and so I started watching too, but then, you know, come to find out she was doing all of the exact same things and just hiding it from me while getting on to me for doing it. Well, what it make you feel better or worse that she literally out of all the statements she sent. We did not send us this statement. Why? We got a statement for everything just not that she couldn't get it, but we're all in screenshots. It told me specifically not to send screenshots unless it was unless you could get statements. But I didn't see something right. I thought it was just if it was like a, what is it? Like after a while. Let me see it. I mean, it's pretty easy, right? Yeah. Is this caused Rama a little bit, but I don't know. It's also, you know, she's, it's her paycheck going into it. So I get that. We need to go combine so we could all get eyes on it. If she has to get eyes on you, it's weird that she's hiding something. I agree. That's the way she did. And send a screen shot or something, and it says 300 bucks. That's the one you spoke 300 dollars in. That's from today. Okay. So she put 300 in today. But it auto like I have direct deposit 300 and then when you can stop in dollar general, get 11 hours of stuff. What are you getting? That was dog food and dog toys. But I use cash and then I spent the rest of my card. Okay. Well, that also becomes difficult when things are in cash. It's hard to track cash. Kingwood Bose. What is that? I don't know. I did get a coffee the other day. Well, it looks like some kind of. It was a coffee and a 15 bucks and all 15 dollars. Oh, it's a thing. I spent $3, $4 at the gas station. Yeah. It was a bowl and a coffee. $30 a panda express. But you get an eye. That's for a couple of dollars. The gas station. 30 dollars panda express was from me and for him. I brought it home to him. Okay. That's still like I'll stop at the gas station. It's been $34 on an energy drink or maybe $4 on some tequitos. You agreed to go to Panda Express. I ask you if you want food, you say you want Panda Express because you don't want to cook anything and I'm going to get home late. So I got Panda Express for both of us to eat. I don't know. Okay. Okay. 102 dollars and marshals, old Navy $57. I lost weight. So I have to buy new clothes. How much did you lose? I think from the beginning, probably 30, 30, 40 pounds. Okay. That's good. Congratulations. Thanks. Old Navy. Yeah. That's my paycheck. And money. So 100 out there. Some pets. I mean, it's it. What are you getting at pets? Some bullshit. Yep. That big ass dog a kennel. That's right. There's some bullshit. I mean, 20 bucks a chick filet there. Some bullshit. Some not bullshit. It's a mixture of both. Yeah. Wings and more, $44 farmhouse frozen yogurt, $22 farmhouse frozen yogurt, $7, chucky cheese, $67. I had the kids that day. Uh-huh. This is ridiculous. It's a lot of bullshit spend. I had the kids and I was already in Brian. Okay. What was I supposed to do? Take him home. No. The thing that concerns is a park right down the road. So I'm supposed to drive an hour back home, hang out with them at home just to drive them back the same day. That means no. There's a park right by their house, too. And we went to the park and it was hot. They didn't want to be there anymore. There's literally a splash pad. I'm aware of that. I tried to get them to play in the splash pad and they didn't want to. They want in. That's that's why you're the parent and you. You make a decision. So the thing that concerns me though is like if in the relationship you're railing on him for spending bullshit money, which is relatively fair, but then you hide your own, that dynamic just becomes kind of, it's a little manipulative, I was weird way to say that. I mean, I don't, I bought him food. I went and hung out with the kids. Okay. That was one time. But there's lots of bullshit purchases we just went over then there. You don't have to spend 100 and whatever it was. It was on clothes. But great. None of you just spent money on bullshit, but that's it. Well, okay. The clothes thing, she lost weight. Well, I mean, you do need clothes, but you don't have to go spend a hundred dollars. It's, it's a, you know, it's Marshall, it's literally Marshall's 100 dollars at Marshall's goes way further than if I just went to the mall and decided I'm going to buy jeans today. It'd be a hundred bucks for one pair of jeans. So I'm saying, like, that's, I literally got so many pairs of shorts. I got some tank tops, I think, guys, that's not the issue that I'm bringing up. Why go so hard on hand for spending money on bullshit, which again, I think that part with in general is okay, but if you are hiding your money that you are spending bullshit on. I understand I spend money on bullshit, but he is. That's a criticism. That's a criticism. That's a criticism. The criticism is, why do you get to rail on hand for as well as just spending when you hide yours? Because I feel like his is worse. Is that true? I don't think so. I think we're about equivalent. The gas station shit just really adds up. Really adds up. He'll be like, well, it's only $3. $3.4 a day. Oh, I agree. That's bad. But why do you get to criticize that if you are hiding your bullshit spending? I mean, it's not like I'm hiding it on her bed. Who's the responsible one here? She is. Yeah. As far as she's, she's better at keeping payments when they're going to come in when they're going to go out. So that's, that's my, my little tidbit of responsibility. Okay. For you, who called himself the responsible one, but I would say it's lately, but she's definitely been been blowing money and left and right. And I've been trying to do better than just today. We went and got, well, McDonald's, but what's the dynamic and stuff to the gas station? What's our communication around finances? We talk about it. We sit down and look at it and we agree on a budget and then neither one of us sticks to it. No. Why? The last time that we talked about money, it kind of went more like that. But before we decided to, like, sit down and attack it 100% together, it was, I refused to open the bank account because Face ID takes too long. So he never knows how much he's spending, literally will overdraft in his check-ins account while he has money sitting over there in a savings account. And it doesn't make sense to me. If you have money, why are you overdrafting in your account? Oh, because my Face ID takes too long. It's Face ID. It's not that the Face ID takes too long. It's that I drive a lot. And so if I'm trying to drive and check the bank account, then the Face ID literally comes in handy. But that's where Face ID literally comes in handy. But the Face ID, when it doesn't work, then it goes over and then you got to manually type in the password. And so that's aggravating it. I don't do it. So you'd rather overdraft? I just don't make sense. Yeah. You know, I can't make it make sense, but it does happen and it is what it is. No, that's not. It is what it is. Why literally never looks at the bank account? We'll never know how much money is going in or coming out or when she's looking so that if you can spend it or not. Exactly. Right? See, that was my thing with my with my bullshit spending. I know how much is in the account and I know how much I can afford to spend. He doesn't look. He doesn't know. And the next thing you know, he's negative. She did an overdraft. That is true. Negative something dollars. Why do I hear that? It doesn't look. You want to give him an allowance or something. Wouldn't that just be further enabling that behavior of him not learning? What is he wanting to give him an allowance? So the conversations that we had were that he's better with cash because he'll keep track of how much cash he has. because it's right there in his hand. Instead of having to open an app and use Face ID. So the idea was to let him have X amount of money from every paycheck that we get and we get paid opposite weeks. So it would be-- - Why do you need her to be mommy? What the fuck is this? Can you not man up to your older? - Oh, and I was also supposed to tell him how much he's allowed to spend each time we get paid. - Why do you need mommy? - I don't think that I need a mommy. I just don't wanna deal with it. - That's you needing mommy. - Why can't you grow up and be in a dog where you have to deal with it 'cause you have to deal with it. You need to be an adult. - I think it just stems a lot from I made really good money for a while and just didn't have to look and knew that it was there. - Hey, guess what? I think it's a change. How long has it been since it's changed? - About a year now. - Okay. Then why do you need mommy? - I don't think that I do. I think I would just rather that she did do it. It's that way I didn't have to. Is that how you want your marriage to be? - No. - Okay, then what the fuck are we doing here? Guys, this is why we take time before we go and do a marriage before we move into each other, before we combine finances. You'd have to know this. You're learning it now on the ground in the moment. - Anyway, for no way they got divorced, dude. I mean, come on. - I'm trying to get him to be better. - Well, guess what? He just said he doesn't want to and he wants you to control it. So what the fuck do we do with that, huh? - Give him an allowance. - No, you're literally just enabling his behavior. You're okay with that. 'Cause that is you being mommy. - At least it is a set amount that he can spend and it's not just, I'm not okay with being mommy. - You're okay with being mommy. That's pathetic. How are you not embarrassed? - It's his money too this time. - That's embarrassing. He is a father of children and you have to mother him and you're okay with that for the rest of your life. - Just in the finance area because he just doesn't look. - I feel like I take care of most of the rest of everything else and so. - What's that? - Like the taking care of the house and the dogs and all that stuff and you know. - He honestly does do more around the house and with the dogs than I do. - Two dogs are easy. - Yeah, but I'm not. - What are we talking about here? - I'm not saying that it is a lot. I'm just saying that. - This is financial communication. This is going to determine one of the leading causes for divorce in this country for the rest of your lives and temporary marriage. - It's hopefully not temporary. - Well, I'm going off of just the trend. - That and another thing is in my previous marriage, it was, you know, she didn't work while we were together because she was taking care of the kids. And so the dynamic there was. The dynamic there was 100%. I was making the money and she was taking care of the finances and she handled it. She paid the bills and she just managed the money. So I was very accustomed to that from a previous relationship. And so I still kind of have that expectation. I went straight from that to having money and not looking and just I had money so I just swiped it. And then I had no money. And so I just wasn't swiping. And then now, you know, back to making money. - And I just want her to take care of it. This is so weird. I mean, I have in your notes that, well, I mean, you feel like you have to mother him. So I mean, that's obviously as clear as day. But that you feel like she doesn't respect your opinion. And even, why should she? If she has to give you it alone, so why the fuck should she respect your opinion? What opinion do you get to have? - I think I have good opinions, honestly. Oh, this guy who won't even look at his own bank account. Tell me, tell me about this. - About paying down our debt and trying to, I'm not saying, that's exactly what I'm telling you, is that we've sat down and talked about this things and we just not stuck to it. That it's not a matter of that we haven't tried, but we just don't actually try when we discuss it. - I feel like before I was trying. - And that's, I did spend a long time of like, trying to actually better my credit, better stuff. And then I just fell off. - Why? - I just wanted to-- - Stop obsessed. - It was just wanting to go party. Wanted to have fun, want, want, want. - What is this party? What does this you guys go party thing? You, that's, you, that's the, - We don't party, and hardly-- - He's bringing a party, but this is what, dude, you're funny it. What are you doing going party? - Oh, it's not anymore. This is when I was working like traveling on the road. That was all I was doing. That's so long ago. We're talking about today. - Oh, yeah, today. Now I'm just recovering. - Just listen to your opinion. Because I'm still-- - What opinion? - No, we should pay down her. - I'm not paying off the debts. - Like how we doing it. - But you don't even know the finances of the house. - You don't even know it. How can you even have an attitude and an opinion? - Because, you know, she went and bought a truck. - Why? - I thought you were the responsible one. - Okay. So. - I had a truck already. So it's not like we actually needed one. - First of all, it was like four months into us dating. And he was like, "Oh, you can use my truck whenever." But okay, so I bought a truck and I needed a truck to transport the dirt bike. - He said you can use this truck whenever. - I told her it was a bad idea. - I was dating him for like four months. I cannot trust within four months that I'm just gonna use his truck whenever I want and he's gonna have no problem with it. - And so-- - That doesn't make sense. - Even if not, what my advice to her for that was, you have a car that you just finished paying off. Instead of buying a truck, use mine and just put the truck payment that you're willing to make into a savings account, that way you have a down payment if something does happen and we break up and you don't have my truck or something, you know, for any reason, like it, and then she doesn't want to do that. That's stuff like that and she doesn't actually listen to the advice that I do. - You're four months in for what it's worth. So I mean, but even still, it was probably, it was a stupid choice for sure. - Yes. - Definitely. How much for that ring? - 120. - Okay. - So how do the conversations go then? A financial conversation happens. What's the topic? How does it go in this house? - Mostly her bitching at me about spending too much with the gas stations. - And what do you do? - Tell her, get me cash and I'll pay attention more. - So it's actually, it's less of a, - And I wouldn't call it an allowance. I would say that it's budgeting. - But his bullshit spending now. - Well, I wouldn't even just say that. I think it's his anti-U bitching atom fund. I think that's why he wants more than you mothering him. If you're bitching atom constantly and this is a miserable, hard to be around at home. Like, wow, yeah, he may as well do the thing. That's a little less freedom, but at least he doesn't have to listen to his wife. - My gamer sub's flavor is finally here. It's called liquid assets. 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She nagged at you. - Yeah. - And that's fair. - You know, I forgot my lunch. It's a, I'm very, very forgetful. - Every day forever. - Literally so often. - Yeah, I just, it does happen. Sometimes it is I just don't want to eat it that happens sometimes too. It's a mix. But the, okay, we'll make your energy drinks at work. Here you go. This is Gamersubs. Shake it up, put the powder in. It's delicious. It's better than any energy you've had. And here towards the end of July comes out the Caleb Hammer flavor. Whether or not, I don't think this episode. Well, I don't know. If it's coming up or if it's already out, you get the Caleb Hammer liquid assets flavor. Gamersubs, get your free samples. Figure out what flavor you like. Use the discount code Caleb. And then it's 40 cents a serving with my 10% off link. It is delicious. Guys, check out my flavor. It is so good. No more energy to spend. Just like you got to make your coffee at home and you're on a budget. Make your energy drinks at home. What the fuck is wrong with it? - I even bought a curic because I have, I had an espresso machine, which honestly the pods, I don't know if you know, but the pods for an espresso is expensive. - Yeah, but it's so cheap. I wouldn't go into Starbucks. - To Facebook Marketplace found a curic for like 10 bucks. Got that. - So expensive to me to the coffee. - And she still gets coffee from wherever it is that she goes. - No, my coffee is free. I don't ever pay for my own coffee. Well, I did pay for coffee the other day. - Didn't we just see it? Yeah, we saw literally. - There's one coffee. - No, but with the breakfast truck, there's some kind of, some kind of cap from somewhere. - Because somebody else at work buys me a coffee. - Yeah, and if that, it's fine if someone else at work buys you a coffee. - Just more friends, huh? - Some more friends. - Yes, all of my coworkers. - I don't know. Yeah, I mean, you both are cheaters. I would have a heart. time. Trust him. I would. That's fair. Come on. Couple of years, some of this thing you guys are fighting about money. Yeah, someone's going to go stick it in with your stuff. You can literally look and see how long ago it was that I've messaged him. You can also go look at his Facebook account right now and see that he's engaged as well. That doesn't stop. It's weird that you know that and they all still, you know, are on Snapchat. Because I mean, we were friends. Don't give me wrong. There was like a weird little period where we were both learning with each other and nothing ever. You play games with? No, no. That's who you're talking to, though. And you call him a friend. Oh, no. Nothing. We know what you do with your friends. No, I've really never met in person. We're from the same. It doesn't matter. You're first cheating with sending nudes. I'm telling you. Would you be insulted if she sent nudes to another guy? Very. Okay. See, then you don't have to meet him. Then I mean, I don't understand. I don't. I hope not. You guys don't have a good track record. I don't. You know, yellow flags in yours, no bread flags or anything in yours. But again, I'm not saying you are now, but just based on what happened last time, where you guys are, you know, in like weird marriages, things are going hard. You guys don't fix your finances. You guys continue to argue, push blame on each other two years into this, leading customer towards finances. You guys are arguing all the time. Someone's going to get it stuck in or stick something in somewhere. I mean, this is your guy's natural reaction is to cheat. That's what both of you did. It's like your natural reactions when things are not easy. You'll lash out by. I think that I feel a little bit like I've grown out of that. Maybe, but I doubt it. I mean, you're a guy with a penis. Yeah. You're being child support and you're a woman with a pussy. You want to get it filled. So what happens every time? I guess this is not. That's your guy's past. What do we think our household financial score is today? Zero out of 10 or zero to 10, zero being the absolute worst 10 being the best. Maybe one maybe one and a half. I'll be 25. Guys, we have revamped the hammer financial score. If you've gotten it before, see the more accurate version now, kill pammer.com. It is free. It just takes a few minutes to take and you can see where you stand in the world of money, where you're doing poorly, what you need to do to improve your finances and what you're already doing. Great. If you don't want to be a guest to end up on the show, guys, make sure to download the Dallow eyes budget and I'll take to free trial. If you like it, most people take the annual version. Guys, they save a lot of money and you get the physical version of my 30-day meal plan signed by me, mail directly to you and the digital version of our cookbook, check that out, kill pammer.com, dallow eyes.com, all those links below. All right, guys. Let's see. I have a check in account first. That's rare. That even means something's kind of. What I'm looking at here? Capital one. Probably both of us. Is that the combined? That might be the combined one. Probably. I'm assuming it's the combined one. I have two checkings and two sayings. On this capital one. Okay, see what the fuck are we doing here? Why are we purchasing our Amazon if the account is negative? Why are we purchasing from the corner market? $5,041? What is that? Energy drink? That looks like an energy drink. If the account is negative, dude. The account is negative, huh? I wasn't looking. I had no clue. That's pathetic. Grow up stadium concessions. We're purchasing $31.50. Who did it? Probably both of us. It's probably bearded out. Hey, you're the looker. You're the responsible one. You were negative. Yeah. Negative. Yeah. Why were you purchasing $32 from concessions if you were negative? Responsible one. Adult mother? We were at a football game and it was really hot. Wow, that changes it. It was really hot. You can't bring outside drinks into a football game. Wow. So we should purchase more. Negative. I have not seen. We should have purchased when we were negative. I thought you were either responsible. I thought you were mother. Mother. If I need a drink and it's hot outside in Texas, I'm going to get a drink. You guys got more than a drink. It's 32 dollars. Plus there's snacks in there. Probably some cotton candy or so. That's interesting. That's interesting. I was slipped in for our hydration. The kids were with us that day too. I don't remember. Well, who purchased on Amazon from $51.46? Not me. Okay. Why do you know when you're negative? Mother? Responsible one? Mother? Huh? That you're the one that looks at your account? No, no, no, no. Huh? This is connected to his card. So that was not me. This account is connected to his card. His card is not on my Amazon. That's all four of them. Huh? I don't know. Okay. We stopped and got an energy drink. That's you while negative because you won't look because you're pathetic. Travel center. $49.40. Probably guess. Huh? Probably guess. Okay. Amazon Prime. $8.11 while we're negative already. That was probably the subscription. That's the price. Tavern. $44.17. Something tavern. Listen. I don't know what that is. Oh, great. So you the responsible one. $44. Well, negative. That's what pushed a negative, actually. What is wrong with you? I don't know. That was the end of the negative. Crazy. The payroll came in and it saved you. If it wasn't for that, you would have still been negative, but we're still doing bullshit. That's what you always do. What are you talking about? You do concessions. You did the tavern. I know. I understand. You did the Amazon spending. Sorry. The Amazon spending was $97.41. Like, what the fuck is wrong with you? That's while you were already negative. I'm just saying he lets it go negative in his. He's thought process. Well, I was negative. How can you possibly push me on this? I don't spend on his card. What you just did there. Staying even tavern. That's not me. Amazon. He says he doesn't purchase on Amazon. I don't. Yeah, he does. Show me your Amazon then. But his thought process is I'd rather overdraft my bank account because there's no fees rather than spend on a credit card, which in all, you don't have the money. Don't spend the money. In my defense, it is your defense. There is no overdraft fees or anything like that. So that's the main reason that I don't care. No, but you likely have a minimum balance. So this isn't possible. He's only had one purchase and it was 1998. So these purchases were you? Maybe that was a bookshelf or something. Which advice? Yeah, some work stuff in his car. That's not worth it. So pull up your Amazon. That's what you just got a 3D printer. Okay, don't purchase that stuff. You freak. I got the 3D printer for free. I just have to buy it. Yeah, see you for that amount of money. Yes. No one. Okay. There was no other purchases. He could have done that. That's a. What is that? Co-angers and dog collars. Shot collar. We don't shock the dogs. They get beeped. We have six acres. I like the beep. The beep is good. And they just get beeped. And then a team from a time. Literally, I think it's one is the lowest setting. So that if you accidentally do it because one felt want you can't even feel it. Yeah, no, it's a device. They're very, very different and they have very good space to do. But you have 11 things in your car. Oh, yeah, I have a lot of my car right now. I'm really bad at. Get that formhouse kitchen bullshit. That's so shit. Battery says, okay, you don't need this. We almost order. That pantry thing yesterday. You don't need that SpongeBob shirt. You don't need the SpongeBob cup. You don't need the SpongeBob shirt. That's SpongeBob shirt. The SpongeBob violin. You don't need that. You don't need that. Queen said, you don't need that. Queen said, you, you, nothing's funny. You guys are literally like on bankruptcy. Your bankruptcy will be hilarious. The entire internet will laugh at you. Your divorce will be hilarious. Your third, your second. I'm just saying the violin would have been funny. And even in those situations. Shut the f**k up. Shut the f**k up. Shut up. So you guys have energy drink. Cash app out. Crickets. Thirty-seven hours. Crickets. I don't even know what that is. Oh, that's a restaurant. Why do you guys go out so much? This is crazy. You got energy drink. Energy drink. Energy drink. Energy drink. Fatty's smoke shop. Vapes. Who? Both of us? What is wrong with you guys? There's always the f**ks that can't control their spending. Just vaping their f**king lungs away. Why? Why do you guys do this? Addiction. Yeah. Wouldn't you start? I started vaping fairly recently, not recently, like within the last few years. I started smoking when I was 12 and then I quit from the smoking cigarettes to the vaping. You were dipping sometime in between there too. Yeah. I was dipping at the same time. I was doing that. You. It will to the dip in. You for all of it. You're barely better. At least mine. It tastes like blue raspberry. Yeah, you're killing your lungs. Ice. Shut the f**k up. Dude, you look 40. Look what you're doing to yourselves. Do you know what? At least I'm having fun. Yeah, and you'll die before you're actually 40. Okay. And you? How long? How long? I probably started when I was 20. Why'd you even start at 20? You weren't at 12 with him. I was a funny, ha ha joke. I'm going to tell you that I can hit this without coffee in my lungs. I'll like you did. And then next thing I know I'm out there by my own vapes. You learned to dance like that sarcastically? Yeah, I guess. So pretty pretty. Yes, I was going to say that's exactly what you are. We don't need to do 34, 38 dollars on bath and body works or 42 dollars on the candle box or earth bound for 40 dollars. We can't afford life guys. What the f**k are we doing? Zalina a lot of money. travel center, but that looks like not gas that time. - 900 for Zell, then that's just rent. - It was $292. - Oh, then that was utilities. - Tiltedies? - Zell, who are you Zelling? - My dad. I rent from my dad, and the utilities are in his name, so I send a-- - Dad, what's this, what's your rental situation? - It's his property. - On his property, okay. - Well, like a mobile home? - Yeah. - Oh, you guys are just so hick to the bone. You own the mobile home though. - You own the mobile home though. - It's in his name. - Shit, man. - You don't have anything. We can still be knowing for you. - Does he live on the property? - No. - Okay, that's good. - It's his property. - Why is he, right? - Yeah, I still don't have privacy, because it's his land. It's his house, so the show-up whenever. - I just saw it to the house on the house. - How does he's showing off? - It's not like he comes in the house or anything like that. He just shows that he has cows that he puts on the property. - What? - He comes out-- - We live on six acres, and so we live a little bit outside of town. And so-- - Well, I would assume cows. - And so he puts a few of them out there. - Well, how do you like it? 'Cause if we're making goals and stuff, yeah, in the middle of nowhere, cows, dad always showing up. - No. - No. - How have you ever seen showing up? 'Cause it is, I mean, I love my parents. Like, I get it, but if they're just like endlessly showing up, it's like, what are we doing? How are we going to make a whole week? How are we going to make a week? It's already know that when he passes on that that's getting left to me like the property and stuff like that. How far are you guys away from work? I just walked to my work van every day. He travels through his jobs. What about you? Sounds like you're far from town. Yeah. No, I'm driving in hour and twenty minutes. So she wasn't like living there because she's far from everything. She's hour and twenty from work. Oh, my gas bill and maintenance on car and the dad and cows always show up and she doesn't even want that. Why are you forcing her to live there? She's your wife about to be. I'm not forcing her to live there. I can't agree that it is cheaper and I can appreciate the fact that we have what we have for. Well, she's spent on gas a month. A lot. A month. And that's what I was. A much. I want to say probably 600 bucks. Okay. See, imagine if half of that went to rent combined with you what you're giving your dad to live in civilization. But he's convinced that if we move off of this land and out of this house, so he lived there previously, then he moved in with me, he's convinced if we move out of that again that his family will disown him and he won't get the land anymore. What? It's your dad's property. Why would he do that? Because I know that he doesn't want to sell it but it would put him where if he was having to make the payments where he would have to sell it, the whole reason that he got put there was to help me out. Oh my goodness. Why the fuck does he have it if he can't pay for it? He's doing cattle on there. He's not making money. The property is the house. The. Oh, the payment on the. Yeah. And he owns the property. We've had the property. Well, the family's had the property. Properties paid off. Okay. Yeah. And so. Oh, then yeah. He can get rid of the single house. Who cares? Well, it's. How much you guys want to live in when you move there anyway? Who would? It's. Depreciating assets. So he can't sell it right now without going upside down and that's the issue. Well, that's fine. Cover the difference. How much would the difference be? I haven't looked into it. He refuses to look into it. It's not that I've asked them to about it, but they just every time they get real back off-ish, so they don't understand it. I actually asked them about it. I've asked, like, is there ways that we can go about getting out of it because I don't want. I'm going to call them in the post-show and we're going to deal with this, so your future wife can actually have a little bit of breathing room. My goodness. This is insane. Yeah, I'm sure it'll be contentious, but I'm good at contentious. I just yell. Energy drink. Energy drink. Bullshit. McDonald's. We can't say we can't afford shit if we're just doing this every like literally. Once or twice a day, this is insane. Or Bullshit, cash up $35. Energy drink. Energy drink. Oh, good. Why now? A whole other page of Bullshit. Dairy Queen. Pandora Jewelry. That's the ring. That was my ring. She is. You got the ring like six months in. Seven months in. No. That would have been. Would you guys start dating? March of 25. Okay. So, almost a full year. Supplements. Supplements. We have 30 bucks. Energy drink. Maybe Bullshit. Maybe not hard to tell. Energy drink. Game pass. 32 bucks. Bullshit. Energy drink. Energy drink. Cash up out. Cash up out. Jewelry and more. It's a lot of cash up. It is. Where does it all go? It's like 30 bucks, 30 bucks, 30 bucks, 30 bucks. Who's it going to? It's probably a loan repayment. Cash up. Oh my goodness. I'm going to need to see your cash up statement. You have access to his cash up statement? No. Oh, so we don't have full access to being able to see things. She's more welcome to my dad. I also found out that she has borrowed money from. That's what I'm talking about. What? That's what I'm talking about is probably the $30. Yeah, I found out who was borrowing money from Cash up. I had no clue. Why? Whenever a charge for like. What was it? Like 300 bucks? Hit our account? And I was like. Who's the cash up in 300 bucks too? Like that? What are you doing? He was like, "Oh, I owe Cash up money." So they just take whatever they want to take, whatever they want to take it. I don't know. Done. I had signed up for like a lump sum repayment instead of drawing it out on that specific one. We had to talk about that one. Oh, okay. Lots of cash up. Cash up. One slot. Food. That's a burger place. Parking. It continues. This is crazy that it continues. What are we doing? Oh, because there's two checking accounts. So this is the other joint checking account. I guess. Okay. Energy drink. Microsoft Game Pass again. We have two different game passes. That's great. Pizza Hut. Vanity Machine. You're gaming like an energy drink again. 40 cents, dude. 40 cents. Raspberry cherries mine. Raspberry Apple's mine. Best flavor ever. We'll send you one when it comes out. It's so good. We compared it to like every flavor. We've tweaking with all these combinations. It is insane. Yeah, that does actually sound really good. It's insane. It's actually insane. Bullshit. Subway. Amazon. There we go. And I'm sure there is like monthly maintenance bullshit because you don't have enough in there. Even without. Oh, he's been big and he's in Dave. He's been using Dave. You know that? It just, it wasn't something that was a continued thing. And so it never really came up. It wasn't like I was hiding it, but I just, I never, never thought to tell her. I had no clue what it was. Now I know, yes, a lot goes to child support. No, it's fair. Even still, you're just like. Why spend so much money on bullshit if you're in like that pay advance cycle? Like you can get out of it in a month with just getting half your energy drinks. That's why we're here. That's out. No, you just get half your energy drinks. What am I going to? What do I do with that? Can you still drink like three a day? Congratulations. That's why you're here. Don't get half the energy drinks you get. Congratulations. Well, you figured it out. No, I'm not that specifically, but obviously we just, you know, we're. Impulsively spending all of our money. And that's why we're here. Don't impulsively spend all your money. Congratulations. A lot of that is I drive a lot. Like I drive to Dallas every day. Good. My eyeball energy drinks. I have gamer subs. Make your own energy drink. He has a cooler. And his back. But I even need that dude. You make it. It's so cheap. We also have like 50 shaker bottles at home. Like what are we doing then? Oh, what is this? Oh, okay. One of the angry things that you were talking about. Why he's just never going to skip the cycle is that you're. Okay. You're upset at him blowing the money from his previous cycle. So it's always in it because you got $10,000 from. Your employer or something. Yeah. But then you just blew it. Like what the fuck? Why did you get $10,000? So the I was working for a company and they. They got sued in a class action lawsuit. And I joined on it and joined the Morgan and Morgan one by the way. I think you literally get free money. Like the description wasn't even going to plug that but like. Like almost like everyone's getting free money from that one. But yeah. No, they so they they paid out for that. $10,000. You know what? Cheese. How'd you. How'd you. $10,000? I don't even make good money dude. Where'd it go? Mostly attorneys. That was I was making payments. The attorneys and that's why I had no money when we first met. But then I used most of that to pay all that off. Yeah. I've been concerned too. I did definitely blow some money. I've said some money upgrading your truck tires and upgrading your radio. Yeah. Radio. I knew how much. Upgrades are radio. Well, it took it wouldn't turn on anymore. And so I just got it. It's a radio. Like your phone in. It didn't do that. That's what I'm saying. I got something that would do that. How much did that cost? It was like $115 off Amazon. I knew he was getting that amount of money. And we had discussed saving that amount of money. It was not only you guys were together. Yes. I discussed saving X amount of money. I don't remember exactly how much it was that I wanted to set aside. And he was dead set on buying a dirt bike with it. Dead set on buying a dirt bike. I got him to not buy a dirt bike with it. God bless. towards like your future wedding ladies and gentlemen I I got something new to help you that we have personally built. Right here on Calebhammer.com. We have three new Caleb Hammer Financial Resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on Calebhammer.com. We also have auto insurance now. You can check for free. I can't see if you can save a shit ton of money on auto insurance. And then to close it off, foreign out, 'cause we're building more, we have a debt relief program. You've seen how hard it is for people to get out of debt on the show. This makes it so much easier, but only if you're actually ready to change. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these three programs from personal loans to debt relief to car insurance to see if you can save a shit ton of money across the board. Go to Calebhammer.com where they Calebhammer Financial Resources part of the pinned comment or description below and save a shit ton of money. Starbucks is bulls**t and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents of serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, fat and batter. - The number one ranked energy drink is Gamer subs. - Literally, the cherry flavor is insane. - Listen, you can also get free samples to see if you like it or 10% off your order at gamer subs.gg or click that link in the description below. Type in code Caleb. - How are you gonna spend on the wedding? - Next year, well, you guys are like this. - Hopefully not a lot. My mom is really bulldogging her way in. Love her to death, but I was convinced that we would just go to an Airbnb. I want to do it in North Carolina where my family is. - Okay, sure. - Plus, I love the mountains. Texas sucks. Landscape here, awful. So I want to go to the mountain. - Well, we're in Texas. - The only place I've been is central Texas. - Okay, well, then you're in one place. So I was gonna say, 'cause you got tall pines on the east, you got swamps in the east, you got rollin' planes in the panhandle, you got the hill country here, you got big mountains and desert in the west, you got national parks in the west. We have one of the most diverse states in terms of landscapes. You can get everything in here. So I wouldn't just say that, but you can still get married in North Carolina. - Yeah. - You're just talking about the literal smokey mountains, which, I mean, again, you can find diverse topography here. But either way, for the family, I do get that. - Yeah, so. - Yeah, if you stay in Waco, surprise, you're not gonna see very much. - No, I have. I've been a little outside in it. I mean, it's still nothing compared to North Carolina landscapes. But I digress, anyways. - It was deep rags. - It's not usually the place in the country, everyone's okay. - So. - Sure, cool. I've driven through there so many times. I mean. - You're probably just driving through the city. - What? No, I've just driven through the. - No, why aren't I coming smokey mountains? No, the. - Appalachian. - Appalachian, yeah. - Appalachian mountains. - I've driven through them multiple times. - I don't know. - I don't know how much you're gonna spend for that. - That's what I'm getting to. I only wanted to get an Airbnb for a week for me and him and just go get married in the backyard because that's cheap. - That's fine. - My mom, however, called me and found this venue. Don't get me wrong, it's cheap. It's $2,500 for three days, two nights. I told her no, because I don't want to spend any extra money. I just want to go to an Airbnb, get married in the backyard, whatever, whatever. And then she called Tony over here and Tony said, "Oh, yeah, that sounds great." So what did my mom do? Put the deposit down and it was like, "Okay, you owe this much by this amount and this much "by this amount." - I didn't agree to it knowing that she had said no. She called and asked me what I thought about it and I took that as we were having this. - You had already said no specifically? - I said no. - And so I thought it was just a discussion about. - I've been out of it about it. - Talked about it. - Well, now there's already a contract signed and they did agree to pay for half of it. - Almost half. - Okay, half of the 25? - Yeah. - It's not that much, it's fine, just do it. - And at that point, we would almost spend that much on an Airbnb in New York. - I mean, if you don't want to do that specifically, then definitely don't do it, but. - And they're gonna take care of a lot of the other stuff that we would have to do on top of it, like the chairs and-- - Yeah, the chairs. - The receptions at the same place. - And like having like an actual like, you just have to take this. - How much is it gonna cost in the end? - No, that's all included with that. - It's all included. - You'd have to get that on top of the Airbnb. - That's still additional because I still want to keep-- - And so that's why-- - It's so weak. - Would you want it if you could pay for it? - Yeah. - You can't afford it. And a year, we could afford-- - Right now, we can't. - No, if you're doing it right now, but it's whatever. I mean, literally, you spend-- - I feel like I just-- - You spend more than that on synchrony this last month. So it's like, what are we talking about? The conversation, you don't even, yeah, but you spend more than that. More than your half on just that. So like if we're talking about affordability, like, what the fuck are we doing here? You literally just got $2,079. - That's just medical. - Yeah, for what? - So I went and got my glasses and I used my care credit for it. And then I went to the dentist and they gave me this treatment plan. And I told them I had care credit. I thought they were just putting it on the account to like charge as I went in and did stuff. But no, they charged the whole amount that I had on my care credit to my care credits. No, I'm in the process of trying to get refunded, but my-- - Well, you better, 'cause the furt inches is accruing and one of them is gonna hit in just a few months. - Yeah. - That's gonna be hundreds out of that. - Yeah, that's gonna suck you. - Okay, but more critically, credit one, which is basically the worst you can get. What the fuck is going on here? Who is this? - That's mine. - Why? - What's happening? - It was to rebuild credit and I didn't know that it was one. - It was that bad. It was the only thing I could get approved for. - No shit. So probably don't take it. If it's the only thing you could get approved for, you'll know it's predatory. - He didn't know that until he started working. - It's horrible. 28.74% inches, right? Now, let's think about the wedding. You said earlier, you were talking about pushing it back? - No, just not like getting married in like-- - Richenly. - Yeah, okay. - What? - I thought that I missed something in the conversation that he was talking about just not getting married and I was just very confusing. Second. Now, why are you all, you know, this debt, dude? Like credit builder, but it's all maxed out. Why are you in the debt? You didn't purchase on it 'cause it's not really much wiggle room to purchase. 5.69.92.0 on it with a $30 minimum of the payment. Why do you owe? - Only making minimum payments and still charging on it. I honestly, let me connect. - Why? Why is the balance at a high? Why'd you get into it is what I'm asking? - Sorry, more bullshit spending. - Well, where were we buying? I don't remember. - If I don't know what some of my cards-- - I think it was just surviving off of it. - How can you fix anything if you know nothing? - No, we were surviving off of my card when we moved. That was my card. - No, that was before 'cause there's no recent charges. It's just maxed out 'cause the limit should only be 500. - I don't know, that's not my card. That's not my card. I don't have access to that card. I don't know how you spend your money, so. - But yeah, I also, my second wife was, she had a very bougie lifestyle, and so I was paying for that, and that ran up a lot of the tab, and then-- - You're paying for an incredible one? - Just everything, 'cause I had-- - How bougie was this lifestyle? What, you had no input on the lifestyle? - No, that was just a lot of very differences in our lifestyles. She was very bougie like she-- - Why did she speak up and say no? - I'd not want to listen to her bitch. - Oh, seems to be a common thread, in your relationship, so you have no backbone, you're a pussy. - No, I wouldn't say that. - I would. - I would say that some things aren't worth arguing about, and-- - It seems like everything, including you going into depth, or-- - Your credit gain ruined is definitely something to worry about. - What's your credit score? - Terrible. - Oh, five something, I don't know. - Quick supper, why are we purchasing our card? That we cannot fully pay off, and only put minimums, too, that is a green interest. What are we doing? Who is this? - That's hers. - You're the responsible one. - Why are you purchasing on a card that is accrued, and it's just that you cannot fully pay off? - I didn't even know it was a green interest at that point, honestly. - What? - It didn't mean. - I haven't had it. - $75.48, minimum, monthly payment, $25. Then you should definitely know, you should be tracking it even closely. - When we moved out of my friend's house, we, the whole reason we moved out is because-- - Don't care, don't care, still don't care. I don't care, I don't care. - So-- - What does this have to do with you? - And while there's interest accruing on this card? - We had to get furniture. I'm assuming that's probably what that was. - So is the CEO. - That's gas station. - No, you're just putting gas on a card that is accruing interest that you cannot pay off. - Yeah. - What the fuck are you talking about? What rambling bullshit cope are you doing? - Maybe that was, maybe I didn't have enough money in my account, so I just swiped my card for gas, but I promise you I paid it off. - Why don't you have enough money in your account responsible one mother? - Probably because I was bullshit spinning, awesome bullshit. - How are you responsible one mother? - I wouldn't say that I'm super responsible, but I'm more responsible than he is. - At least I look at the damn account, and I know I don't have the money. - And this is gonna go down in a flaming mass. - I really did think that she would tell me that she's looking at the bank every day, and this is the argument that how are you spending all this money, but I'm checking the bank and I'm trying, and she was getting on to me for it, but she's also spending all the money. all the money and- >> Okay, well, if a Capra one card, no, there's no balance in it, so I'm not going to write it down, but what concerns me is there's been a late fee this year, even though you've paid it off, why are we having late fees? >> Is that the- >> Who is this? >> Is it the quicksover of this thing? >> Platinum. >> Platinum secured, Capra one. >> That's me. >> Why is it late? Why are you not on time? Well, are we shocked with your history now, but what the f*** is going on in the next month? >> No, because you didn't look at it. >> Probably. >> Why is auto pay not on that? If you know you suck, she said all of that stuff up for me. >> She had it set it up for you. How the f*** is he going to deal with- >> Why do I need to- >> I don't know how we did it before I came in honestly. >> Who is your father, dude? >> Yeah. >> You need your literal fiance to set up auto pays for you or else it won't be done. >> I just don't want to- >> I'm not understanding how pathetic this is. >> As a father, as a man, as a partner. >> What is wrong with you? >> I don't think there's anything wrong with delegating, and that's- >> Delegating. It's your card. >> Yeah, and I could delegate the finances to her, and I thought that that's all that- >> We bought the car? >> No. >> Okay. She doesn't want to, and she's your partner. >> No. >> So what are we doing here? >> But that's what the discussion has been- >> The main thing I stress the most about is finances. And the fact that you just want to throw all your finances on top of everything else onto me sucks. That shit is dumb. That you know that is the biggest thing that stresses me out. The biggest thing that'll get me in a bad mood quick. And the fact that you refuse to care for yourself is awful. It's extremely irritating, and I can't stand it. >> Well, you're already checking every day, why can't you just tell me? >> Because why the- do I have to tell you, you're grown up, you're a grown man. Literally, you're a grown man. All it is is open the app, Face ID, the same Face ID that you use to unlock your phone that takes less than five seconds to look. The issue is not the Face ID, the issue is when it does not work. I'm not going to sit there and type out about this- >> Why don't you even try? >> I'd get up on try. >> Literally just try once. If it doesn't work, guess what? Try getting in a couple hours or something. I don't know. It sounds like a bunch of bullshit excuses and it's dumb. >> Or- >> If I don't- >> You just spend money- >> You're not driving 24 hours a day. When you stop at the gas station to buy your little snacky snack, your little drinky drink. Guess what? You have the time right there. Stopped. Well, whenever you look, just say, "Hey, we don't have the money for you to spend any money today." >> I literally have. I've told you we don't have the money to spend. Guess what? Well, just still energy drinks being purchased. >> It's fee-free overdraft. >> I don't give a- >> About fee-free overdraft. Maybe we should just turn that shit off on your card because mine does not allow me it to overdraft. You just overdraft because, oh, forget, when the paycheck hits, it won't be negative anymore. That's dumb. That mindset is dumb. >> Yeah. >> Think you are a child. >> Let me just- >> Let's just say, do you pay your phone bill? >> No. >> Of course not. I told you- >> Great. Who pays it? >> I'm on my parents' plan. And it's more so, I just- >> No. >> They don't ever ask for it and I don't ever remember to just say it- >> Of course you, what? I don't remember the responsibility to say if you live with your dad's property, you've never done anything. You've never accomplished anything other than coming as head of a woman. >> Listen to his woman. >> Huh? >> I said, at least he was a woman. >> Why? >> Because his dad would definitely would have disowned him if it weren't a woman. >> Okay. He's homophobic. >> My dad's just a very staunch, Baptist conservative like so- >> We would be homophobic. >> Yeah. >> Yeah. >> I wouldn't say he goes out of his way to do anything. >> If he came inside men, he just wouldn't have kids. We wouldn't know. He's probably come inside men. Not who knows. >> No. >> Are you homophobic? >> No. I don't have any problem with people that are gay. I'm just not into that. >> Uh, so cute. >> Okay. >> Oh, collections. Who has collections? >> That'd be Patrick. >> Well, probably you. You're the bad collection. >> You have a right now. >> You're a pretty guy. That's what this is. $1470. >> I thought that- >> Why is it on your parents' phone plan? >> That's a lot of why I'm on their phone plan. >> Oh my gosh. You really can't do anything. This is pathetic. >> That was after the first divorce, we had a phone plan together. I thought that I canceled it, but I guess I didn't or maybe I don't know. I really don't, but they kept billing me and I wasn't using them anymore. And so then I just showed up and I just haven't paid them. >> So you just decided to ignore it? >> It'll fall off after seven years. >> You know what else they can do, though? Sue you? >> Yeah. >> It's happening on the show. It's happening many of the K-LP hammer shows. >> That's a lot of money for Verizon. >> I have decent enough to sue. You know what they do? They sue you. You like going to court. You spend on legal fees. They get a court order. They court order garnishes your wages. They're already taken from you. Thanks, child support. Why not have even more taken from you? That's not uncommon. >> They wait in line. What do you mean? >> They can't legally take more than 50% of my wages. And so if they get to that point, then who can't? >> Anybody. >> That you can't have, that's the law. They can't withhold more than 50% of what your wages are. And so. >> Okay. Maybe a child's support. Maybe a default on student loans. This might be a court order on extra. I don't know. >> Yeah. >> But even still, even if it is 50% in sync, literally, she's been forced to live so much she really doesn't want to. And you're like, yeah, let's just take even more of my money. Like, that's pathetic. You're not a partner. >> You'll never rise and go, that much go to collections, dude. I don't even know. >> Well, I didn't know about it until it was in collections. >> You were crying about your finances and your mom said that she was going to take over. Your mom's going to take over a y'all's finance? >> No, no. No, no. I was overreacting. I got a speeding ticket a little while ago. And I was, I don't know why panic so much, but I was like, I don't have enough money to pay for this. I literally just switched our car insurance so that it would be cheaper, and because I had a little meltdown. My mom was like, don't worry. I got the phone bill. >> Well, you're on your mom's phone bill too, the adult, the responsible, and the phone. >> That's because my phone wasn't paid off whenever I got divorced and I didn't want to pay for it. >> This must be a car loan. What is this? $30,711. >> That's my truck. >> That's my truck. >> For 10% when you didn't even need a truck, when you got a truck, when he had a truck, when he said you could use the truck, you got a 10% loan on a truck. >> It's 10%. >> It's not 10%. >> It's 10%. >> It's not 10%. >> It's 10%. >> No, it should be 6.8. It's still not the best, it's not the worst either though, but what do you think it's worth? That you owe $30,711 on. >> Buy the guess 25. >> Maybe. >> Yeah. >> Just about. >> Just about. >> Just about. >> So you're underwater on it, not dramatically, but you know what I would potentially do. It gets you out of the situation quicker, sell it, borrow 15, 15, five pays it off, ten gets a car. Especially truck, you don't need to be driving a truck an hour and 20 minutes to and from work with them. >> I have an SUV too, but the transmission is is pretty awful and it's a little scary to drive. >> Okay, well, I would actually, then I would borrow 20 minutes to get, you know, the transmission absolutely 100% fixed on that. And then the 5,000 hours difference in sell this car, then also you have no payment. We have two vehicles that we own outright, there's no, like, we just need to fix them. >> Yeah. >> Yeah, we'll borrow what's required to fix them, sell this. Huh? What's that? >> They're all of you. >> They're working part. Like I said, the transmission and the SUV sucks. >> I'm good with that run and they go A to B. >> No, let's fix the transmission. Let's borrow. Do you guys not listen what I'm saying? Let's borrow what's required, sell this, borrow the difference and then what? You hit borrowed maybe 10,000 total then? What's the transmission? >> Where do you borrow the difference from? >> Personal on. Kalehammer.com. >> The transmission, I literally have no clue, I know clue. >> How much do you know? >> I don't know. >> I have modern vehicles, so I don't know. >> We saw you drive for your modern vehicle today. >> Yeah, I pulled up to your nasty truck. I know. >> Yeah, it is pretty money right now, but- >> I was like, great, I'm filming some hellbos, I bet they stink. >> We don't stink. >> You don't stink, but you can't back up either, huh? You have a self-driving car and you can't even make it into, you have to correct. It's a very big parking lot to have to do that. I don't think that I correct. >> Yes, you did. >> Oh. Okay. Oopsie. >> I overdrew. I drove myself. Yeah. Is that okay? Do I have your permission to drive myself? >> Yeah. >> Yeah. >> This time. Okay, and I don't have to get my transmission replaced, so- >> Yeah. >> Because I don't. >> Well, you know, I just bought a new truck because the transmission didn't work. >> The transmission was just retarded. >> So borrow from the transmission, the difference, get rid of this, okay? Good. >> It's a lot more wrong with it, but the transmission's the biggest thing. >> Well, things go wrong with it. You'll still, you'll have a paid off car. You get rid of that loan and you'll have everything paid off, okay? >> Yeah. >> This is insane. We're talking in insane, like your car payment, your gas, your- >> Yeah. It's 500 bucks right there. Just the- >> Exactly. Yeah. >> So, I have a secured loan of $5,262. What is this? >> That might be my dirt bike. >> Okay. What's the interest rate? >> Zero. >> For how long, forever? >> Forever. >> $115. But just adding it to the minimality payment, just sell it. Get out of it. >> No. >> No. >> Because I ride my dirt bike. I race my dirt bike. >> You can't- >> Okay. Well, let's see if we can keep it. We definitely want to pay it off quick. Definitely get rid of the truck. >> Yeah. Yeah, CNBA I wanted to try and figure out $109. Why do we not pay this off CNBA? What's this? CBNA That doesn't sound familiar. I don't even know Can I see it? No, okay, then I don't know if you're not gonna get any more information that I just gave okay $30 is owed on it best buy oh Oh, I guess it's my best buy account that almost paid off just paid off dude minimum to payment $30 Who are student loans best of us do you guys have degrees? No, no, I get you both course career certifications There's trades there's tech. There's a lot of really good things supply change man change management People in the audience have used them to get six-figure jobs six-figure raises Okay, both of you I'll get those for free discount for you guys obviously, but Okay, yes, I don't want to sit alone sit alone How long do you guys go to school? I was in for about a semester and a half I did two semesters. Yeah, I did a year and a half so Okay, well, so it's not definitely not worth going back Okay, we want to go back. Well someone's late Someone's late someone's student loans have just restarted a couple of months ago as most people in the country have and you're late That'd be me. I wasn't making any payments. I didn't even go into I have started since but I didn't even know That's because that's what happens. You know happens it goes to default then all of a sudden whoopsie garnish man Yeah, I know that again. I didn't even know you have kids You ain't gonna get a taxi no clue how much his his student loans were or Who he was going through for the loans until probably right before we we did all of this honestly Okay, we have a student loans Okay, we're Tony Eight thousand seven hundred fifty nine dollars. What's your minimum Tony? Oh? Three Good, what's your minimum Virginia? Less than a hundred bucks $90 sure I don't know I've just been paying a hundred bucks. I'm gonna be an accurate budget. Don't ask Well, I've been paying a hundred bucks a month towards me. I don't give a shit with your pain. I want to make a budget dude At least I make my payments. Oh my goodness. You don't understand Hey 11,000 and someone's 401k who's mine? Okay, definitely very behind for your age for your income Glad you at least have something Do you have anything no? Wait that you were the responsible on the mature one you nobody ever talked to me about 401k's what? Nobody's I don't want to talk to anyone about 401k's we all learn how was I supposed to know that that's what that One-outs shut the fuck up literally no clue how I'm gonna excuse Accountability who would have thought Not I I guess clearly Minimum monthly payments for your debt $1127 income 5200. What's your rent 922 utilities usually about 250? Oh, is that including internet? That's 350 with the internet and trash phone bells all paid for my parents You can do healing when you get your own if the longest team opens good out there uses those kind of towers Gas boom from drive drives because you look like you're staying there for about how much a month what was it at least 600? What was it for you? I don't really if I'm going somewhere we're going out. Okay, so 650. Let's call it car insurance It's 165 you and we're together 165 for both. Yeah USA your gas will go down when you use your SUV but borrow for the difference. Well, well, hopefully it will my turbo's out to so like the gas You will still save more money. It's definitely what you need to we get that fix it $600 using a meal plan meal prep TP fund $200 everything else you guys need to survive toothpaste tooth It varies on a month the best basis but try to keep it at 200. I'll care. There are co-pays on a monthly basis. No, not typically no Is there a gym? Yeah, it's 81 for both of us. You any one together? Yeah, it's a couple's movie. How much how many what pets you have we have two dogs. Okay, $100 pen insurance. How much for pet food? Probably 60 bucks a month. Okay, subscriptions. I'll try 50 anything else that needs to be in this budget I have a 128 payment that I yeah 128 dollar payment that I have to make that's a minimum payment to Okay, something we can't talk about. Yeah, I just want to do it 120. Yeah, 128 What are we not talking about? Oh, shut the fuck up If we're not talking about it, we're not talking about it. Do you not know what not talking about it is? Are you the dumbest person I've ever met? Trust me. I want to make the show interesting. So if I can't talk about it, do you think you can talk about it? Shut the fuck up. $767. How's it you have left over? Well, let's get rid of the student loans. So Sorry, okay. Yeah 40,727 dollars and 34 cents 767 you can pay off your debt Four and a half years. Yeah, we got a boost these incomes. You especially we got a boost boost boost. Gives these course career certifications. Let's try to get more money in or work more hours. Get a second job And let's get this down to two and a half years and get a six month emergency fund and start a 50 30 20 50% I need 30% and once 20% to invest it. Okay, that gets us there. Is this including the $600 truck payment as well? Yeah, so you get rid of that you speed that up dramatically. It'll actually carve a lot off of it So you'll actually probably close it like two years if you do we get a good job you shave that off because you're still at the bar like 10 To get everything fixed and borrow the difference. Um, let's call it about two and a half years I think it's what you guys can do. Okay, grow the fuck off. Stop being a pathetic piece of shit And I'm gonna call your dad. We're gonna talk about that and we got to figure this shit out Might call your mom about the wedding too. So lots of confrontational phone calls get ready Post-show is probably gonna be even more interesting than the episode By spending in a budget get your hammer financial score Spending in a budget you ever spend zero 10 debt. There's collections or 10 emergency fund. There's nothing There's a 10 retirement got something but combine the income dramatically behind for our age two out of 10 Real estate you don't own anything. You're not on the deed. You're not nothing two out of ten a zero out of ten Hammer financial score 0.5 out of 10 get yours updated kale hammer dot com right now now join us in the post show It'll be an extra 20 minutes of this episode Us three premium shows every single day six days a week You can join here on YouTube by clicking that join button or the link below or we can join on hammer lead dot com or the hammer lead app I'll see you guys there. He's scared that his family would quite literally disown him for this your dad sounds like artists We're not gonna go too hard on him, but I need you to learn an individual and are and in my family is no longer welcome at the family because She choose to date certain types of people What do you mean certain types of people she's dating black people or black man and that's what it was they just owned her for that Yeah, you think he'll be embarrassed when he sees this and learns about you Uh, no, can you have me? I just launched the brand new hammer lead 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 Refer a friend after you sign up and you get an additional 30 days of hammer elite access for free Download the hammer lead 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