Financial Audit's Most Evil Husband

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To watch episodes of Financial Audit a week earlier, check us out on YouTube. I don't trust him with our kids. That's not the greatest thing to hear from our wife. But he did tell Lindsay something before you were supposed to come on. He has an out plan. I'm living alone. And the kids will go to you for a week. That is literally the plan. That's called divorce. I have an exclusive offer just for you. But there's only one week left to purchase. You'll get lifetime access to the entire. Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Plus, I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join. And that's a promise. Hi, I'm Callie. I'm 28. I'm Drew. I'm 29. We're from the Dallas-Fort Worth area. And we're from the Dallas-Fort Worth area. And this is Financial Audit. Welcome. Thanks for coming down to Austin, guys. Thanks for having us. Listen, no, you're welcome. You're welcome. I know I need to be a part of this conversation. I looked at the note for the episode. Don't know much else about y'all. But I know one of you says, I'm the financial audit of the relationship, which I've never heard that before. And I need Caleb to help me essentially reaffirm that. Who is financially auditing each other in this relationship? I don't know. As the Financial Audit guy, by the way, I do not financial audit my relationship. I don't know how long my relationship would ask if I was financially auditing and Caleb hammering my own relationship on a daily basis. I think she would murder me. Who's financial auditing each other and who's murdering each other? So I'm trying to financially audit Callie. Okay, good luck. Yeah, I need it. So what's going on? What are you financially auditing Callie? Are you guys married? Yes. Let's get some baselines. I said no. How the f*** are we disagreeing? I'm not on marriage. That doesn't make sense. That immediate. I'm going to be honest. What the f***? Okay, we're not legally married. We are, quote, Texas common law married. Okay. So what do you guys call yourselves? Husband and wife. Husband and wife, yeah. Then why don't you say no? You're common law married. Because I look at it from like a legal standpoint. What, you got the common law protections now? Exactly, you established it. Common law married. Okay, then yes, we're married. Okay, how long have you, I guess, been together? We've been together for like eight years. Yeah, about eight years. What the f***? Why not just get married? Number one, very expensive. Not really, go to the courthouse. Okay, I offered that, and then his parents said that we should have one for the family. Okay, so now we just have none at all. Should be your response to the parents. I mean, you guys are doing s***. I pulled up to work, all happy, all excited to get here, get myself a cup of coffee, and I saw you guys flinging dirty diapers in the parking lot. I'm sorry. You guys are bleeding. You ain't married. Common law, you guys have been together, but you're breeding. There's children in my office. I don't know how many, but there's noises as I was going out there right before filming. How many kids y'all got together? Three. Oh, s***. And you can't even get f***ing married? That's weird. How old? Six, 20 months, and six months. What? Six years old, 20 months, and six months. Okay, why f*** 20 months? Because he's not two years old. He's basically. Say that to him. Okay, he's basically two. You argue with it. I lost track of the months. I just say that he's going to be two in September. No, you don't. You go, mm, I don't like that. Okay, so six years, 20 months, and six months. Yeah. Okay. So, well, we're on a roll. Sounds like you guys are pumping them out quickly now. Is there a fourth one coming? No. Because you went from 20 months, six months. No. Is this confirmed? It's on the table, but we're. Like, years away. See, again, you guys aren't f***ing aligned. What? Well, you. You say if. You ask if another one's coming. I'm assuming, like, right now. No, we're not. You're about to turn 30. When's the years away? You know what starts happening. Okay, well, you'd be okay, I guess. But you start heading towards the cliff. Well, yes, I guess. Well, it's just if we're making plans, right? I don't know. Yeah. Are you raw-dogging? Yeah. Okay, so I don't think it's necessarily five years away. Could be if we plan it right. Oh, sir, absolutely. But it could happen. It could happen at any time. It's happened on this show. It's likely. Or all of them intentional. Exactly. No. Exactly. No. And neither was I. This is biology. Welcome to come. Well, we just recently combined everything. Eight years in? Yeah. Well, I think I understand the f*** why you guys broke up, and then you found out you're pregnant, so you're just like, oh, f*** it, we'll do it. Well, no, we got pregnant after we got back together. Okay. But, no, we just recently combined everything. And so, with that, he's trying to have more control over it, and I don't like that, because I haven't had to do that my entire life. Haven't had to ask someone, can I go buy this? You guys are married. It's not necessarily permission on everything, but it is a conversation whether or not we can afford it in the budget in order to hit the goals that we're trying to get to as a couple. That'd be correct if that was shared with the class. If what? Share your s***. You share with the class. What the f***? I'm trying to get some insight. Tell me. No, you would. What's going on? Why are you saying that? What does that mean? I have no clue. So, in all honesty, I— What is going on, then, for you to say that? You just have no insight? Is that what you're trying to tell me? No, I don't. Okay, that's what you're going to say? Yeah. Okay, so why? Because he puts it all in a little black book while he works overnight and then doesn't tell me about it, or it's on an app on his phone now and then doesn't show us, like, the budget, doesn't show me the budget. We don't have any conversations about it. Why can't she know? It's not that I can. It's not that she can't know. We have conversations about it. I'm not trying to hide everything that's going on. Okay, well, what? He doesn't actively try, and I've told him multiple times, we need to schedule a time, like, on a Sunday, sit down, fix our budget, plan out, like, meals and stuff together, and this is what we need to do, like, plan out our grocery list and all of that good stuff. But he has yet to, like, try that. I'm still the one making the grocery list. Wait, but he was saying in the pre-interview that it's all about the budget. It's all your fault. You weren't even supposed to be on. We just luckily convinced you to come on because he was saying it's all your fault and all your spending, but you're saying he's not willing to put in the effort or try? But then he makes, like, massive payments on cards, and then I don't know. Cards. Well, yeah. Paying off debt, wouldn't that be good? Correct, yes. What's wrong with that? But if I don't know about it in our budget and I'm planning to, like, grocery shop and then money goes out and then I don't know. How tight is it? What do you guys do? What do you do for work, Callie? So I work in real estate. Well, in what kind? In real estate context. I work in management. What's the position called? Property management. Okay, okay. That could make money. I don't know. So what do you make? I make $96,200 a year. Okay, go f*** yourselves. How possibly are we talking about we made a payment on a card, now we don't know if we can get groceries. If half of our income is $96,000 a year, die. What the f*** is wrong with you? You're acting like children. If you're saying making a payment on a card prevents you from getting groceries, you're being children. It doesn't. It doesn't prevent, but it does kind of throw things off when I'm not. No, not a $96,000 a year for half the income. I'm not on the Wells Fargo account. I'm not on the Amex account. And he goes and does stuff with the Amex and makes a payment with the Wells Fargo and I don't have the s***. The problem is that, exactly, like you said, There's no communication. We make money. We have sat down and built out a budget and then the second life starts happening, we just throw the budget out the window and it's hundreds of dollars towards this, hundreds of dollars towards that. Stuff that's not in the budget, stuff that we don't actually need. What? What are we getting that we don't need? Who's getting what we don't need? How often? Well, you said you're crying and complaining that you couldn't get groceries, but you're getting s*** you don't need. So that's not the same thing. It's not the same thing. What is she getting? What is she doing? God, I mean, it's everything. It's clothes for herself, you know, shoes. I don't even know what she's getting on Amazon, but s*** just keeps showing up almost every single day. And then not to mention all the new hobbies that she picks up, have you ever seen how expensive pottery is? Oh, why the f*** are you picking up? Listen, I mean, do a hobby. Hobby's fine. You guys make money. You can get a hobby. But you gotta have a fully funded emergency fund and no bad debt. Right. And even if you have those things, stick to a hobby. Don't hobby hop. You're a hobby hopper. I am a hobby hopper. If you're a hobby hopper, you can't afford to be hobby hopping. You should be able to at 96. I have one set hobby, but I set out to learn something new this year and I wanted to learn. New this year? Okay, how many new things is she learning this year? One new thing. - I think it's just the pottery so far. How much does it cost? $96,000, you should be able to do pottery. You can do pottery in 96. Pottery is very expensive. You can do it. You alone are making more than the median household income in the DFW area in the United States. We should be able to afford that. I agree. You can if you don't f*** it all up. And on all the Amazon packages, my good sir, that's all for work currently. That is not all for work. All of the packages that are for work, that's all for work. The ones that are coming right now are for work. Your company is paying for that. But over the last six months, why do you refuse to show them your Amazon account though? I'm being told that. You pull out my phone. We can pull it up right now. You can have it, buddy. Why have you refused to show it up until this moment though? I've literally never refused. I've gone through it with him. Why are you saying that then? Why are you telling Lindsay that you refuse, that she refuses to show you? I think it's because she doesn't want me to see all of the stuff that she's doing. No, she's saying she doesn't refuse though. So it's just like, no, if she would ask. Or if I would ask. No, we'll look at that later. But you specifically told us that she refuses to show it. But she's saying, no, no, no. Why don't I do that? He's never asked. He's never said anything. So you're saying he refuses to show you the finances. He's saying you refuse. I've asked. That's the difference is I ask. I say, hey, what are we, like, what are we, what's our budget? And then he wants to throw out that I go and buy all these clothes. He has set a hundred dollar, like, clothing fund within our budget. And I don't ever go. In a single month. Right. But I've only bought one outfit for myself in, like, two months. Absolutely not true. I bought a shirt, a pair of pants. And then last month I bought two dresses. Okay. How about last month when we, that might've even been just three weeks ago. We went to the sporting goods store. I bought a bathing suit and a bathing suit cover up. You spent $400. And then we bought a couple of things. And that's honestly because the store we went to, that's very expensive. I bought a bathing suit, a bathing suit cover up, and then a workout. Outfit for the gym. Like, that was it. And it was $400. It's, well, you can't wear your bikini out in the middle of public, right? Says who? Public indecency laws. Is this true? That is not true. I've lived, well, Lifetime has the rule that you can't walk out out of, like, the dressing room. Okay, whatever. That's, that's not the big point. Okay. You complained, you, you made the excuse it was dependent on the store. Why'd you go to that store then? That was just what was closest to it. We were going to his parents' house and we were going to that day. Oh, f*** off. You're going to go to another place? Well, I mean, I guess. Your entire excuse for that. Which, by the way, again, you guys can afford a $400 purchase. We haven't even talked to much of a shop yet. No, we should be able to. Median household for your metro, $70,000. Yeah. You make $94,000. You! Not even him included. What do you do for a living? I work in public safety. Public safety usually pays well these days. What do you make? So I make a shade over $50 an hour. Guys. What the f*** are we doing? What does that translate to? Around $107 annually. You make $200,000 a year in an area where the median household income is $70,000. And you're telling me you can't get groceries? You shouldn't even be freaking out on about a $500 purchase. How have you guys f***ed this up so bad? And then you guys don't even have the same conclusion in the end about what it looks like today or how it's gotten there. What the f*** has happened? Yeah, lack of communication. But I don't know which side's correct, if any. Well, it's not just a lack of communication. We have spent so long living above our means that we. Above $200 a year? Well, it wasn't always $200. That's only been in the last year and a half or so. What? Year and a half is great! So even still, last year and a half, let's say you lived above your means before that. Last year and a half, you should be able to pay that down. So what the f*** are we doing? What is that? What is. I think it's just mismanagement of money, to be honest. From? From probably both parties. Would you say both parties? To an extent, yeah. Okay. I spend, but he doesn't communicate what we need to pay and when and how those payments are aligning. Like, I know that he has set up how we're going to. What is it? Your payment method for, like, paying things off? Oh, the avalanche. Oh, he's avalanche? Okay, yeah, that doesn't work if we spend more money on them anyway. So he's probably not doing avalanche. I don't know, people have this in their minds. Then they don't even touch it. Yeah, that was the plan immediately spent. Only did the minimum fee payment on the top card and then spent double the balance that was already on it. So, avalanche, f*** you. What are you talking about? There's no avalanche. How do the financial conversations go in this household? Not well. Tell me. It ends in a fight, always. He thinks he's right. I think I'm right. We butt our heads and then. What's the perspective? Tell me. Give me, like, the most recent example. So, my plan is we discuss how much is going to come in and then our. Our income is pretty set in stone with the exception of any overtime that I get. That's just extra. And so, then we can build out, you know, if we're going to spend $1,000 on groceries every month, we know what our mortgage payment's going to be. We know what the car payments are going to be. We know what our utilities are going to be. And then we should have X amount left over to. In this case, or given our circumstances, we need to be able to apply that to the debts. But instead, it just. It just gets spent on other things. And then the conversations are usually, well, you know, we have to do this. This is coming up. We need to make sure that we can put this money towards this. Or the second we get any unexpected money, instead of applying that towards our existing debts, it's, I think we should do this with it instead. But that's always a conversation, and he typically agrees to it. It is never me deciding what we're doing. What do you mean? How did that turn into a fight? I said for a recent example, but you guys say you're. You're fighting. It's because we argue about where money goes, and then he gets angry about what I spend money on. So if I go and buy my daughter something, he gets. He will argue about that, or that she doesn't need this or whatever. Recent example is what I'm asking for. That's what I asked for, guys. Come on. We went and bought clothes. Clothes, okay. $890 of clothes. Yeah, it's expensive. All three kids. All three kids. You should be able to afford it in your budget, though. You should be able to. What was the argument? It wasn't budgeted. She said, I'm going to go to. I'm going to target. I'm going to get a couple of clothes for the kids. I said, I'm going to get them all summer clothes because they all need it. They are all in the next size up at the very same time. And then without any further conversation, it was, I'm buying their full wardrobes for the next four to six months when we don't have that kind of money available. You don't need to do that. I bought six shirts for my six-year-old, four pairs of pants, two dresses, and a pair of shoes and underwear. Damn, why'd you got to get so much in one go? What do you mean? It's. There's seven days. There's seven days in a week. She didn't have anything else and there's no hand-me-downs in the previous? She's the oldest. There's no family members? I don't know. She's the oldest and the largest. Confirm. There was no other clothes for her to wear? Her closet's full. She's borderline on some of it. It's 5T and 4T. What do you mean it's full? Half her butt is hanging out in her bike shorts. Her shorts are. Yes. Her shirt lifts up and shows her tummy whenever she's out. Do you really want her walking around with her belly and butt out? She's fat. Well, obviously not. No, she's very skinny. No, she's very lean, but she's very tall. It doesn't fit. Then why in this moment did you text and call him and say, I f***ed up? I texted him at checkout and was like, okay. I f***ed up. That was literally my text. You're defending her right now is not a f***ed up. I f***ed up. And he said, oh? Did you though? Because right now you're saying you clearly did it. I don't think I did. I don't think I did. Then why'd you text him you f***ed up? Because I knew he'd be mad about the cost, but then he doesn't ever go buy their clothes. What store? Target. That's not unreasonable. Like, I wasn't going to justice. I wasn't going to The Gap. I don't know what that is, but just the. It's a girl's store. I wasn't going anywhere crazy. It's Target, and it was $5 Cat and Jack shirts and bike shorts. Yeah, I'm not saying that the entire purchase was completely unreasonable, but maybe a little heads up that we're spending almost $1,000 out of nowhere? Heads up is fine. Did he know you were going? He did know. I told him I'm going to do this. So what did he think was happening? He probably thought I was going to spend like $200, but then again, had he ever gone and bought clothing, for our children, he would know. Is that what you all have negotiated responsibilities around the house? No. Okay, because I'll be completely honest. In her pre-interview, she says you're lazy around the house, that you check out at the house, that you just show up and you're just a bad. Partner. Partner, yeah. Well, that is what she said. Yeah, I'm not perfect, but. Well, not perfect. I mean, she made it sound a little worse. Like, you just don't contribute. So like, yeah, you wouldn't have any perspective in buying clothes and whatnot if you don't help. Like, when was the last time you went and bought them clothes? Give me an actual time, a time frame when you went with me or whenever you went and bought them yourself. I don't know. I mean, in the last six months or so, I've been there or went and bought. You bought a pair of shoes a month ago, and before that, can you give me another example? Not off the top of my head, no. Okay. What is this lack of helping around the house then? Because that's going to buy in clothes, but I want more perspective into this. So he works. He works nights. So on those nights, he takes a short nap the day of, or he has the kids. I work full time and I'm throughout the day. So he has the kids, and we have two small ones that don't always lean the most ability to clean, which is okay. But then he has the two days that he's off, and he does jack shit the entire time. He rarely gets up. And then the last day that he's off. So like, if he works Tuesday, and Wednesday, or Wednesday and Thursday, he doesn't really do anything. until Friday evening or Saturday. How many hours a week are you working? So I have an alternating schedule on my short week. I work 24 hours. On my long week, I work 50. What's he doing on his 24-hour week? Is he not doing anything? That's a great question. I don't know. I clean the whole house. Listen, I understand your schedule's a bit. It's okay. Your sleep's a bit weird. I mean, that is fair. That is fair. That part's fair. But 24 hours, you can step up a little at the house, no? I mean, I try. I do try, but it is. Does he try? Well, last week, it was raining. He left the dog outside in the rain. He slept on the couch. Our toddler was running around with the marker colored on the couch, and the baby was awake. And I was in the middle of a work call, got off of that, went downstairs, and I said, are you kidding me? Yeah. Buddy. How do you defend yourself? What the fuck are we doing? Look, I do try my hardest to make sure that they are. that they're safe, that I'm not leaving them in weird positions like that. But when I'm. when I'm working 12 hours overnight, and then I come home, and now I'm responsible for an almost two-year-old and a baby, and keeping them quiet to a point that she can. that she can work and not have the noises of children's lives interrupt her phone calls. This was on Monday or Tuesday. So my sister was off of work and available to help. I also offered. That was my second question. I also offered and said, I will take them if you need me to. What do you need from me? And he said, no, it's fine. I'm going to try to get them down for a nap. And then never said. Then it doesn't work, because I was about to defend you. Because your sleep. that is your sleep schedule. And that's fair. I was about to defend you. But if the sister was willing to step in and she offered, you can't take the responsibility and then not. He's like the partner in a school project whenever you do all of the work, and then he goes, me too. And then he gets a grade for it. How's y'all's relationship right now? We're trying. It's. It's rocky. It's a really hard. Why is it rocky? So because we have this exact conversation. 50 times a week. Exactly. Every day. Why don't you step up after you have that issue? Well, I. It's not like a biological problem you're having. That's like a. It's not like you're not getting hard. Right? In which there are pills for that. Okay. And there's pills for that. So there we go. But even so, this is literally just behavior. Right. I understand that. And. You're someone with discipline. You're in public safety. After we have these conversations, I do get better for. A few days. For a period of time. And then I. And then I have days where I struggle. And it's. It's hard to have a great day every day. But I do try. No one's asking for a great day every day. Sometimes it feels that way. Okay, but also you went to help them buy shoes once in the last six months. That's not a great day every day request. But the biggest conversation that we have is more around the house. Because she complains almost. I mean, I'd say four times a week that she's doing all the cleaning around the house. And that I do nothing to help. But like I said before, I'm having to keep these two rambunctious children active and doing something in a way that it doesn't interrupt or interfere with her work. Right, but then you complain to Lindsay that she doesn't cook enough. Right, she. But there's days where she chooses not to cook. Yes, because why the hell would I actually cook? Because she had a long day of work. And instead of cooking, we're just going to order something. Can you cook? Absolutely. And I love cooking. Oh, does he cook? Occasionally. Okay, if you love to cook, then f***, cook. But expecting me to cook dinner, clean the entire house, manage all three kids, work a full-time job, not to mention I'm also in school. I'm so f***ed, sorry. I feel like I have a Thanksgiving plate and it's overflowing and yours has a slice of turkey and maybe a little dollop of potatoes. Take some damn sides off my plate and have a filled day with it, dude. I don't know what you want. You think she's lazy? No, I don't think. No. Yes. I mean, he'll do the dishes, but he does the dishes. Doesn't clean off the counter. Doesn't clean off the stove. Doesn't take things and put them away. He does the dishes in le sink. Are you a minimum effort guy at the house? I really try not to be, but some days that's all I can give. Okay, you're saying the good words. You say you're trying. You do. You want to. All these things, but you don't do any of it. So you got the good words, but where's the good actions? You're a disciplined man. You went through it. You helped the world be disciplined. Why can't you bring some of that to home? I don't know. I guess maybe I'm just giving too much at work and not allowing myself to have any extra effort to give once I come home. It feels a little bit like a cope. I'm not going to lie. I mean. But maybe that's true, but it feels like a cope. You go have family dinners on Sundays with your coworkers and you occasionally find dark dilapidated corners and take naps. What? So. No. I'm confused. I don't get to take naps at work. I don't take naps at work. Okay. Huh? What? What are you insisting? Or insinuating here? He takes naps at work. So, I mean, he's saying that he's giving so much at work. There's one of those things where you're allowed to. I'm going to be real with you. 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This is a limited time offer, so act now. Take control of your money. Get started with Rumble Wallet today. See the description below or visit rumble.com forward slash promo official rules for details. So, yes and no. I mean, all that and that. Need a hiring hero? Obviously, it's not ideal to do that and I do my best not to. I've dozed off. I'm not going to lie to you and say that I haven't dozed off and fallen asleep when we're not having a busy night. So you can get stuff at home. That's my argument. There. Yeah. I mean, to be clear, with the spending and a lot of things you do, not the clothing, clothes thing, but we do know from what we looked at that you are the aggressive spender on bullshit. Oh, 100%. You are the villain there. Right. But you're kind of the villain of being lazy at home and I feel like you're almost taking it out and just going and swiping, which doesn't necessarily help us in the end. Right. As a household. Listen, if he is- But then sometimes you need like a break. I agree with that and I want him to step up so you can, but you don't get revenge. You don't also bring down the household by being a fucking menace on the outside. You do financially though. Okay? So listen, just because someone's not stepping up at home doesn't mean you can just not step up outside the home. Okay. You can't f*** it up. Can we take a little break? You need a break? Yeah, can we just take a little break? Okay. We'll take a break. I'm honestly very tired. I would not be crying right now. I'm very tired. That's okay. You're a mother. You see that? Yeah. I see it she she's not afraid to tell me when she's over loaded either it would be nice if you listened you know it'd also be nice if you didn't go spend money you don't have fair because that's going to add to the stresses of the household a man not stepping up not helping the house that's going to be a reason for divorce at some point financial shit in the house that is a leading cause for divorce in this country do we want to get divorced no i don't read you guys as a couple that wants to get divorced it's not something i would advocate for in you guys i don't see that but are we surprised that the household is rocky right now no when you both up in two very clear directions and neither of you seem like you want to make any ground in making those situations better like you make the good talk but you don't sound like you're trying to do any better at the house you don't sound like you're trying to do any better financially no wonder he's not willing to it feels like he's hiding shit i don't think he's hiding anything he just isn't forthcoming with it yeah i'd be nervous too if you're going out there and around constantly and in the financial conversations i'm being again again this is the pre-interview a couple of things that i said were kind of wrong earlier from what he said like the you know he was like oh fine well you know we'll stick it out because he got pregnant well apparently that wasn't true because it was a timeline issue and then one other thing i said was kind of incorrect that's because he told lindsey that pre-interview shit before you were coming on so it was going to be a defense mechanism so the story was going to be a i don't know but you guys say different things so i don't know if this was pre you coming on or not but he always says that i'm always giving in to her i'm always giving in to her is what he said is that true yeah absolutely what does that mean um it means that i am very persuasive in my arguments for by that he said he says no and you get angry and then he's just like fine i don't always get angry i do not always get angry i mean i live with any any time that you have said i want to get this i feel like we need this and i say well no we don't we don't have the money to spend on that or we that's just not something that we need right now then it is immediately anger i mean let's go back to a vacuum we we had two working vacuums at the house they and okay they're both really really crappy one of we got one of them from your parents and i didn't say it had to be a dyson i just said i really like this one because it doesn't have to plug in we don't have to carry up and down the stairs and as the person who cleans the house i think that i get a little bit of leeway in what i would like to use to clean our home women love to clean and they all have to cook steak dude all women are the exact same my girlfriend's asking for the exact same thing look you and we have cleaners so what the is happening i would kill for a cleaner okay well they're cheap and you guys make a lot of money i'll be honest which by the way you specifically wanted the dyson because the last time we tried to find a cheaper alternative to dyson we had a shark we got something else and it broke very quickly and they didn't have and then we replaced it with something different had two working vacuums at the time that she was requesting this dyson and i said no that's crazy expensive we don't have the money to spend on that we have two working vacuums immediately she goes when we combine finances you said that you weren't going to be controlling but this is the exact controlling behavior that i was trying to asking for a vacuum yeah apparently denying a vacuum when we have two working vacuums is controlling when one of them weighs like 20 pounds and you're carrying it up the stairs and you're the one doing the most of the work and the other one is so small and compact that it's not meant for like room vacuuming our whole upstairs is three four bedrooms it's the master and three other bedrooms and it's all carpeted how much is the vacuum one of them was like 500 guys you make 200 000 hours a year i don't think you understand we're we're hemorrhaging money already i agree i think now this is a household beneficial tool potentially but but where's all the money going that would go to that instead the miscellaneous shit you go billion monthly payments that we have to make a billion monthly payments it's eating out but exactly if i had help you can't do that you can't do that and get that kind of bullshit or we'll get a vacuum like that if the money goes to bullshit you can't a thousand dollars went out to eat last month thousand hours you make 200 000 hours a month but a thousand dollars going to food eating out actually because groceries is that was an additional thousand so two thousand going to food that immediately means no you probably don't get to have a five hundred dollar vacuum and shit especially when unknown shopping things we don't a hundred percent know could be bullshit could be not was an additional 1800 the previous month other large purchases these are big purchases might be bullshit might not be 2400 so now we have a potential bullshit amount of oh and then miscellaneous bullshit an additional 705 000 by the way so what are we at we're like for a potential four or five thousand dollars in bullshit potential odds is made it in the middle and say minimum two thousand on bullshit yeah you could get a vacuum why are we spending two thousand on bullshit instead because it's random little things that we want to spend two thousand on bullshit instead because it's random little things that we want well there you go then you don't get to have the big thing even if it makes your life better you don't get to so it's all her yes oh so you didn't pay someone five hundred dollars to get a pair of boots which you've never forgotten you didn't pay someone to do that and you've never gotten the money back you've never ordered clothes from adidas online you've never paid for golf seventy dollars of clothes okay but you've never paid for golf you didn't go buy a new a new a new iron for golf and spend a little bit more and get other things yeah i use i use a three $300 gift card that your sister gave me and you spent more than that. Yeah by $90 for two golf clubs It's all me though. And you didn't go buy these new pants? Not these pants. Oh, well you bought I've had these for over a year, but it's all me It's all her. Yeah, I see how the conversations go in this household now. So you just kind of like uh Blow up. Okay. Yeah but rightfully so You're sitting here telling me i'm the you're you're sitting here telling me i'm the problem that i'm the one who spends all this Money on clothes and all of this money on random shit. I have What four four outfits in the last I don't know six months four months. I mean callie told Lindsay that she holds grudges against you. Yeah, and I feel like i'm seeing them now. Oh, yes What are these grudges like because if that continues consistently that's not necessarily healthy at all times continuous behavior That's never changed. What's the grudges though? It's grudges against money It's him telling me that I shouldn't go do stuff and then blaming me for our financial mishaps When he also spends money on random shit $25 every other night at the gas station on gas station food You love to cook so much cook your lunch and take it to work I mean When I have the kids and I have to keep them quiet It makes it difficult to make those meals during the day What are we talking about? You can meal prep a couple times a week and you can open the back door You can go. Oh, can we bleep? Yeah, all their names are bleeped, but he can go outside and play the other one can sit in a high chair and watch you work He loves to watch you do things and then our oldest goes upstairs and plays and does whatever she wants to do Or she hangs out with me 98% of the time. So i'm very confused Yeah, but then the second one of them, let's say the middle child comes back inside And he starts making noise because he's a rambunctious almost two-year-old The second he makes a sound it's blowing on my phone I'm on a call I'm on a call If I'm on a call, I'm on a call. That's a serious thing I have to work if you want I can quit my job and our $96,000 additional income can go out the window. Obviously. That's not what I want. Okay, but When i'm getting those exactly i'm recognizing that your work is important and that you have to be on those calls But when i'm getting those those messages the second i'm trying to do something Am I on a call seven days a week 24 hours a day? I mean, obviously No, I schedule my stuff for two specific days a week that are my calls are My days are filled with calls back-to-back and 90% of those calls i'm on mute You can come park one with me park one with my sister And you can meal prep you can cook dinner for the afternoon or evening. You can put stuff in a crock pot Hey that takes so much off my mental load and so much off my plate Okay Wait, the sister lives with you guys the sister that you said could help But she doesn't actually help that much we're figuring out well, but via request or she's just not stepping up is she? Asked to help and she doesn't um sometimes. Yeah, sometimes. No, is she renting from you guys? So I could temper so the the agreement was that she was going to move in with us Uh where we live was going to be a better place for her than where she was living with their parents And instead of paying rent, she was going to help out with the kids And help clean and help clean So she's supposed to be stepping up a little more than you for Because she also has a full-time job in which she works tuesday through saturday, but she's not paying rent No, then make her pay rent Okay, well, right like she has to pay in one way help with the kids around, right? So if she's not helping out in the originally agreed upon way, it's got to be financially which he never goes and asks her for help So it's hard for her to just offer it if you're not going to and circling back I we had both asked him Put the kids with one of us if you need help or whatever and then he just didn't and then Todd they're coloring on the couch, right? And then even Even though she offers to help sometimes I still in deep in my heart. These are my children. They're my responsibility your responsibility and so I have a little bit of trouble pushing the burden of my own children off on someone who didn't. But that's literally why she's there. I think this household is kind of toxic, guys. I think it's gotten to such a toxic point and it's going to take a big lift to pull it out. Just toxicity with the sister, toxicity with each other. She even said just like, she doesn't even like getting gifts from you because it feels like there's always strings attached. Like what the fuck? If we can't even give gifts at this point, where is this relationship? I don't understand. Someone educate me on that topic, please. We had a fight on my birthday, so we did not celebrate my birthday. And then two or three days later, he takes me to get a locket that I've been wanting a locket for a while. It's one of the things I've consistently gone back to. I wanted a locket. So two or three days later, after I said fight, after I questioned, is that what we're doing for my birthday? We're just going to fight and then do nothing? Then he gets the locket. I had mentioned, I don't know, in a few times. A few times over the years that having nice underwear is a good thing. But then he buys it after fights or for whatever reason and phrases it like, well, I mean, it's for me too. It's no longer a gift if you're getting it for yourself and the obligation is for me to. That's strings attached? I don't know. And as far as the birthday thing goes, we had a plan for her birthday. My parents offered to watch all of our children so that we could go have a nice dinner for her birthday. And I don't remember what. Because what changed your mind? I said that we should do something for our home that would improve it. That way we could improve equity whenever we sell. And instead of spending $300 on a steak dinner at Bistecca, that we should go get stuff to make a patio. Yeah, that's right. And then we had a fight about something else. Yep. So instead of going to dinner, she made the decision, and I verified this several times with her. Which is fine. But then we still had a fight and we never went and did anything. Instead, we were going to allocate that money into supplies to build a patio. And then who knows what we fought about that day. She said, screw it. We're done. We're not building this patio. And then we didn't do anything on her birthday. Okay. Guys, this is just what the f**k. Everything's a f**king villain fight. Horrible. He said he hasn't had the stomach or the will to say it. Remember what that was? Mm-mm. No. Oh, no. Now you conveniently forget. I don't remember. Brother. I've slept since then. He has an out plan. I have an out plan. Buddy, these are your own f**king words, man. Though you're not there yet. And he hasn't said it to her. But he could walk away if they don't get their finances in order. Not there yet. But he's waiting for the right conversation that would give him the leeway to say it. Well, we've had tons of those conversations. What? I've had tons of conversations where I said this is not where I want to be in five years. I don't want to be here financially or like relationship-wise, marriage-wise. I don't want to be in a relationship where we're fighting constantly, where I'm doing 90% of the household work and child raising after birthing them and feeding them. I don't want to be in a relationship where I'm doing 90% of the household work and child raising after birthing them and feeding them. I don't want to do this if you're not going to be an active parent. So both of you are giving out? We've had those conversations. How frequently? I don't have an out. I don't have like a backup plan. I'm not trying to have a- How many times have you talked about your plan for if you leave me? If I leave you, I'm living alone. And back and forth. Why? How frequently? How frequently is this brought up, guys? I'm neither at. She has had several conversations about- When you need to build up your team to handle the growing chaos at work, use Indeed Sponsored Jobs. Need a hiring hero? You know, or several conversations about leaving me, the idea of leaving me. It's not something that is in my head is the topic of leaving. But you have it out. But you have it out. Yeah, you're talking- So it clearly is in your head. You can't say one thing and then act like another and say that it's not there when it is. Not to Lindsay, but one of our pre-producers before her is where the message is coming from. I mean, I hate to- I don't want to sound like I'm backtracking, but I truly feel like that is a misunderstanding of the words that I said to her. I really do. Before she was supposed to come on, how close have you gotten to leaving? I know one of you have left before, and then the kid. Yeah, pretty close. When? A few years ago. It just- What? We were living with his parents. He refuses to say anything. Well, we had just left. We just left Lubbock, and we moved down here, and then we had to find jobs, so we stayed with his parents. And he refuses, God, I could not tell you why, to stand up and say anything to his parents. Like, his dad will not turn on the air conditioner upstairs, and that's where we were living. And he will go up there and turn it up to like 80, 82 degrees in the middle of summer, but then leave all the doors open. And heat rises in a two-story home, so it would be 98 degrees up there, and it would take like all night to cool down. And he would just never say anything and never defend. Me or our kids or anything. He almost left. Yeah. So, I didn't stand up to him at that time because his only request was to stop keeping it at 69 degrees- Which it wasn't. It was at 75. All day, every single day. But it sounds like it wasn't. It was at 75, and it's hard not to keep it at a lower temperature when they don't even run the downstairs one and all that heat is rising. So, even if it was set at a- At like a- At like a set temperature, if they would have turned on their downstairs one, hey, we just had this conversation about HVACs and how if you turn them off, it makes them work harder and your energy bills increase because you're running more power to get them back to a normal temperature. That's what continued to happen because you never stepped up and said anything. Be honest here, guys. Has anyone ever looked for apartments? Just on the DL, just looking. To look. He told me to, and I did. Oh, you told her to? We had a big issue. Around that time. Yeah. What the- Look, we were going through a serious, very serious rough spot in our relationship, and at that time, I wasn't sure if I was willing to stay in the relationship. With the dad thing? That was it? That was a lot. No, there were other things going on. One of those things is on our list that I don't want to bring up. Okay. I don't think I know it, but- But, no. Because of what was going on there, I wasn't sure if we were going to continue in our relationship. I suggested that she- We started looking for an apartment, and she looked for a little bit, and ultimately, we decided that we were just going to stay in our relationship. We were going to try to work through it, and for that issue, we have. Yeah, we have. We have for that, but that's the only time where we have really considered either- That's the only time I've really considered leaving, and then, I mean, there's the little petty squabbles where we talk about it, and I tell them I don't want to do this. If this is what our life is going to be like, I don't- I don't want to feel like a freaking broodmare where I just get bread all the time, and then it's my responsibility to have a job and clean the entire house and take care of all of the kids. That's a lot for one person. What the f- That's literally what I feel like. I don't want you to feel like you are just a broodmare, and I'm the stud that keeps putting kids in you, but, I mean, when I'm on two hours of sleep after being awake for 48 hours- Which I agree with that part, but- And I- The other week you worked 25 hours. Right. But, so after that 25 hours, or 24 hours of work, there's times where I've worked or been awake for 48 to 50 plus hours through those days of work, and now I'm responsible for these children. Your children? Yes, they are my children, absolutely. And I have to do something and keep them entertained and keep them quiet enough- For her to work. Do you guys totally trust each other? I don't trust him with our kids, no. I've told him that before, that I do not trust his capabilities in taking care of our children. He can't stay awake. I had to go wake him up last night to put our middle child down, because he fell asleep putting him to bed, so that way he would get up and take a shower. What's your diet? What are you doing? You're fat. I'm fat, too. But, like, I'm not, like- I'm not, like, responsible for people's lives and children, so if you can't stay awake, we're having issues. Right. Well, I typically have to rely on caffeine to keep me awake, because- Right. Why not get healthier? I've tried. It's a- Tried? I've tried. What's tried? I've been thinner in the past. Okay. I'm just about the biggest I've ever been right now. Oh, that's not good. No shit, you're falling asleep. Yeah. Fatty? What the f- Why aren't you eating less? Or just better? - Better, I definitely need to be better. i do work out i take i i do he does i take there's a few times i take the boys to the gym yeah with me you can't outwork a bad diet right that's my issue i'm relatively active sometimes that's all we've been playing rust recently now i'm not rip worth it i don't i like just eat better dude i know i don't ain't coffee guy no not the donut i really i really tried to stay away from donuts the coffee's okay but i coffee's a coffee's a problem what what what's wrong coffee it's a problem for me i'm why because i need it i'm addicted well yeah but like caffeine's one of those like addictions where it's like not even like an addiction it's like upside no it is an addiction it's just like upside though yeah unless you're just like what are you dying like i mean it could be it could be can we what the f**k are you on about i'm just saying like if we're talking about addictions at least he's addicted to caffeine and i that's true okay here's gamer steps just like you make your coffee at home make your energy drinks at home it solicits 40 cents a when you use my 10 discount code caleb link in the description below get your free samples as well so you can figure out what flavor you like and then you can order your gamer subs and then you know 40 cents a serving so there you go that should help but i mean now that you can't out eventually you have a baseline then you have to just continuously up caffeine so just like anything else right that's the issue there if you're always chasing it then you can get to a dangerous amount um which for larger people fatties is not necessarily best for the heart what are you eating man because if you're falling asleep i'm concerned i'm concerned like your health must not be the best so i mean i kind of just eat what's what's already available like when i'm at home really when i'm at home that's when i'm eating at my worst because we're not we're not always taking the time to prepare meals we don't always have good stuff for making you know lunches and you know i i just kind of eat whatever i can get my hands on we do have all the stuff to cook though i spend a thousand dollars a month on grocery and i build out menus so we do have stuff in there to cook the issue is that what he's saying we don't have food is we don't have easily ready food meal prep and then you have to cook it meal prep a couple times a week guys what the fuck are we doing i love meal prepping it makes it so much easier why don't you i just i just struggle to actually make the time to actually what 24 hours every other week huh yeah and then two weeks and free stuff we did it going into detail but is there ever a situation where you might be required to run absolutely okay buddy i'm faster than i look brother no i don't think you have any idea how fast i really am i have an exclusive offer just for you but there's only one week left to purchase for a one-time payment of five hundred dollars you'll get our entire hammer elite catalog for life and a limited edition hammer for life box packed with limited edition merch you can't get anywhere else plus you'll get access to our exclusive four-hour hammer elite day live stream on june 27th plus i just launched the brand new hammer elite app available on every major platform you'll get three exclusive dedicated shows every single day monday through saturday and to celebrate the app launch i'm offering 30 off the annual plan in the month of june only download the hammer elite app by using the link in the description or pin comment below this is the best membership you'll ever join and that's a promise you suck with money so you download a budgeting app you start with the classic one why nab but everyone just deletes it because it's way too complicated to use so you go to every dollar that's dave ramsey the personal finance guy right well they're gonna force you to use it his way that's not very personal finances rocket 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 of millions of dollars of private equity raising so far but private equity doesn't have the best track record when it comes to private data that's why i like dollar wise built by these people just like you for people when you need to build up your team to handle the growing chaos at work use indeed sponsored jobs it gives your job post the boost it needs to be seen and helps reach people with the right skills certifications and more spend less time searching and more time actually interviewing candidates who check all your boxes listeners of this show will get a seventy five dollar sponsored job credit and indeed dot com slash podcast that's indeed dot com slash podcast terms and conditions apply need a hiring hero this is a job for indeed sponsored jobs just like you no private equity no gimmicks just the best budgeting app there is download it now start the free trial dollar wise dot com link in the description below you and me promise you and me have the sprints but we don't have the distance there is no stamina it's the distance no no you know i've got distance distance buddy okay what you have a 30 second pump and dump good for you sometimes the thing is us fatties everyone's shocked how quick i can go but it's not for a long distance and that might be necessary right yeah buddy i've been asleep come on you're falling asleep come on all right what do we think our household financial score is all combined one well i think two two and a half okay if you watch your hammer financial score figure it out take the assessment take that assessment for free at calebhammer.com just takes a few minutes and you can see where you stand in the world of money where you're doing poorly where you're doing great what you need to do to become better usually what most people need to do is use a budgeting app and we've made one for the people on this show and for you and for me it's called dollar wise take the free trial it comes with the 30-day budget meal plan and the digital version of the cookbook for those who sign up for the annual version which also saves like 50 on the subscription by the way but take the free trial see if you like it i'll sign that and i'll mail directly to you so there you go no more excuses use it there's recipes it's easy it's simple it's budget friendly no more excuses guys again minimum minimum two thousand on bullshit last month likely upwards of like three or four thousand what hits our account on a monthly basis i didn't get that i know your guys's gross income is large but so my checks come in every two weeks at oh what is it 30 just about okay and then you i get 56 a month yeah hers come in at about 28 55 okay so 11 800 now you guys are killing it it's so upsetting and the yeah it's always the people who are like killing it on the income scale they get even worse on the finance scale because you get access to more tools that destroy you because you are not credit card people yeah you're not want proof of it quick silver one who's is this are we all on cards together buddy what are you doing you're not doing it you're not what are you doing i thought she was the problem huh she huh yeah what are you talking about this is a big problem right here you know a half ounce card i'm i don't know is that the one i want because i know you have two yeah that's the one that you're an authorized user on oh maybe you are making problems almost two years is that true uh my card is locked i haven't used it i went to go get gas and i was like hey i don't have the debit card with me and i'm at a gas station that doesn't do tap pay can i use this and he didn't respond quick enough so i left and went somewhere else with tap pay but the card is locked i haven't used it in well over a year card is locked yeah because i'm not i'm on the account you're locked my card is hard you're locked well i'm i'm on the account i don't have access to it i can't even see like the balance is on it what why i i just made her an authorized user and the i mean the app has always just been on my phone to the account i don't know you've got you've got a capital one card of your own too so take that up with them but you can't see it okay how can we say she's the problem when you had a balance he had a balance of 927 okay that's large it accrues interest whatever with your income you can kind of pay it off but he made the minimum to payment of 35 only nothing else no progress avalanche avalanche and then he spent two thousand dollars why the did you put thirty five dollars to it if you're gonna spend two thousand dollars accruing interest fifty seven dollars and sixty six cents new balance two thousand nine hundred dollars one cent minimum monthly payment eighty seven dollars uh your kid oldest kid will be not only out of high school but will also be out of college and also a couple years into his career because this takes 17 years to pay off minimum payments only with no additional purchases which you're incapable of so what the is the problem that doesn't look like problem to me i've heard that looks like you what are you talking about huh what are you talking about rack attack yeah we bought a uh car rooftop cargo system to go on an interest accruing credit card you can afford it but why not put it on you can't pay off this credit card you're not paying off this credit card you only put the minimum towards it why not put it on the debit card uh because we didn't have eighteen hundred dollars ready to go rooftop thing we needed it why did you need it we were gonna die obviously we weren't gonna die then why did you need it so we were taking a road trip to see her parents okay didn't need that we've got her we've got her suv that is loaded down with children plus the kennel and a dog in the back and then we didn't have any room for our stuff you didn't need to go on the road trip to survive what the we're doing i think it's important to see family i think it is as well sounds like they can afford to come down my my i won't let them stay with me what - What? - They smoke. And I don't like them smoking around my children. A couple days at a hotel is cheaper than this because you spent almost $2,000 there. They refuse to stay in a hotel. They refuse to get an Airbnb. What? They only will stay at my house. And you won't allow that? I won't allow that. What the f*** is wrong with these people? What is wrong with you people? What the f*** is happening? Well, I've made very clear rules. Don't smoke around my kids. I don't care. Yeah, that's fair. Why can't they stay at a hotel or Airbnb today? Or why can't they just not smoke? Okay, well, they're addicted to it. I would also agree, but. Nicotine patches exist. Okay, and zins and all that good stuff. Yes, yes, yes, yes, yes. I agree. But also, why can't they stay at an Airbnb or a hotel? Because my mother is worse with her finances than I am. I agree it's important to go. You didn't necessarily have to. And even if still, there may have been cheaper solutions. $2,000 blocks there. Yeah, but that's something that we're going to continue using. Sure. And you know what else you'll continue doing? Paying interest on it because you don't do more than a minimum fee payment. Then you went inside some store and I think got some energy drinks or coffee or something. Yeah, probably. And then Amazon. You did some Amazon. Okay, let me look at this Amazon. Amazon, sir. Let me see. I haven't spent on Amazon in a long time. Oh, so you do spend on this car. This is on Amazon. You're not fully locked out. It's attached to the Amazon account probably. So let us see here. Ah, iPhone. Okay, what the f*** is wrong with you? What do you mean? Why do you have 15% battery on your phone? We listened to stuff on my. Plug it into the car. Let it charge. I'm sorry. What the f*** are you doing? 15% at before noon? I don't know, man. I didn't charge it last night. I was tired. I was packing up diaper bags and gathering everything. That indicates how much of a disaster someone is to me if I see them low battery before noon. Their life's a failure. Okay. Oh, come on. You got to charge your f***ing phone. You know how easy it is to plug it in somewhere? Hell, I did it all the way up here. Plugged my phone. Well, at least you have a way to get back, I guess. So home master hardware. Okay, it's like some hinges. Yeah, those are hinges and a door handle. A door handle for a screen door for our back patio. Some patches, lots of kids' things, a remote. Those are, it's an ice pack. A fake plant. We didn't need that to survive. A clock we didn't need to survive. That's for my office. We didn't pay for that. That's for my office at work. Your office chair. Well, that's good. Yeah, so those work-related purchases get reimbursed. Well, we didn't even pay for it. I used a corporate card for that. Rug, pillow, all that stuff? Yeah, all of that. Okay, and the two chairs? All of that until you hit the desk. Oh, okay, so the desk was you. Well, no, like that is all. Okay, so after that. Yeah. So the key lockbox. Oh, that's also work. Okay, well, what the f*** are we talking about then? The trash bin? That we bought a trash can. For our home. For our home. That's not the worst. I'm just surprised you didn't have one. We did. Well, we did, but. Well, then what are we doing? These are the small things we don't need to do when we're trying to pay off debt. If you already had trash, then there we go. We're okay. Right, but it. Right. Cookie cutters. Did you need the rectangle cookie cutters? No, I did not need those. I did not need those. You're right. So these are the little things. Okay, what the f*** are we doing as a society where we're getting a preschool graduation outfit? Because they weren't doing graduation for her. Because it's preschool. Kindergarten, and I might be a f***, but I have kindergarten graduation photos of myself, and that's like a f*** passage. You want to be like smokers? No, but it's a rite of passage. You don't not graduate kindergarten. I mean. It's memories. It's memories. Look, how do you. How much was the cap and gown? I have. How much was it? It was $18? I have one memory from preschool. Other than that, no one else has. Actually, no. Kindergarten. One memory. Don't arrest me for this. It was illegal. I broke the law. I gas lit another kid in a line at the gymnasium to pull the fire alarm. He never showed up to school again. You're not the one that pulled the fire alarm, so I think you're good. And I definitely did some manipulating to do it. But it's memories. That's the only memory I have. This person will not have any. Any other memory other than when he illegally did something. Yes, she will. You start holding memories at four years old. I have several memories from kindergarten. Preschool? Are you kindergarten? Are they from kindergarten? Are they pictured memories? No. Because remember, a lot of times. I have vivid memories from kindergarten. She has a memory like me. She remembers everything. I kid you not. And he can attest to that. Plus, she was so happy to put that cap and gown on. I'm getting a lot of no memories in the room. She was so happy to take those pictures. I feel like $18 is money well spent. Remember, a lot of the vivid memories that we have when we're young. When we're young children, psychologically, are usually like pictures that we construct into memories that don't actually fully exist. But it's memories for me. She's my first baby. Well, if it's for you, then you're being a selfish c**t because you don't have the money. Well, they're cute though. You got some low-pile Christian shirts for women. It's just a t-shirt and pants. And you don't need it to survive. Okay. Like we're trying to cut back right now. Dog whistle? That was for training because he said that our dog is not training. I'm okay with that one. As a minimum, meditation candles don't need it to survive. It's a meditation candle. It's the little candles for Bible study. Sorry. Well, f**k off. She can study without candles. Right? I've never had candles to study. I remember studying without candles. She can. Slow feeder dog bowl, that might make sense. Cookbook, Christian cookbook for beginners. You're paying the premium for. What's the atheist cookbook? It's just a small cookbook. And it. That you paid a premium because it's Christian. Oh, maybe. They marketed it to you and you paid a premium for it. Okay, we talked about it in my Bible study group and we all were going to do stuff and that's why I got it. Do they know you're poor as f**k even though you make a lot of money? We don't talk about our finances there. Well, that seems like actually something kind of important to bring up in that community setting, but that's okay. Inflect killer spray, that's fine. I don't think we're getting a. What is an atheist cookbook? Muslim cookbook, I get it. All of a sudden you don't get pork and it gets scary. Sure, sure. I understand. But an atheist cookbook, I don't know, would it be Baby Hearts? Is that what atheists eat? Maybe. I don't know. I don't think you needed a Christian cookbook. You paid the premium for it. Large, arched, felt bulletin board. They didn't need it to survive. Like, f**k off, guys. Bullshit spending. What are we doing? And I'm sorry I triggered you with the Muslim cookbook because you were ranting beforehand how you're scared that you bought a house in an area that's being overrun by Muslims. And yes. I'm not scared. Dallas-Fort Worth is, you know. I'm not scared. You know Frisco? Yeah. We're like borderline. We're near Frisco. I hear Frisco's actually really nice, though. Frisco's a beautiful city. And it's not that it's bad. They're nice. It's just that they literally are overtaking everything. And those, I mean. Okay, they're overtaking everything and they don't have to pay the premium to ask for, I don't know, to paint their doors and change stuff in their front lawn, but we do. What do you mean? Our HOA requires you pay a fee. That's your HOA? Yes, but they're all ran by. a whole family. And that whole family lives in this HOA and they don't require anyone else to pay it. But then if I put something in, I tried and I had to pay that. But I talked to a lady at school and she didn't have to pay it to get her flower beds. I wasn't trying to build out flower beds, but she built out like a rock board around her flower bed and she didn't have to pay for it. She didn't have to pay the HOA approval fee? No. The application fee? No. It's the first thing I've heard about this. You're ranting to them. You're ranting to them that the schools celebrate, the public schools celebrate Muslim holidays instead of Christian holidays? Correct. I don't like it. It's interesting. My daughter came home and was talking about Ramadan and how we can celebrate it at home. And I said, we don't celebrate that, but that's wonderful that you learned it. I learned about Ramadan in school. No, they don't. They did a holiday party and that was it. Well, I would prefer no religion in public schools. Separation of church and state. I just think if you're going to allow one, then you should allow all. I mean, it's okay to say like, this is a holiday that's happening today. Maybe get some snacks and treats. No, they devote like a whole lesson plan to like Chinese Lunar New Year, Ramadan, all of that. But not Easter? But not Easter. Not like any other like Jewish holiday or Christian holiday. It is because of who's on the school board for this school. Yeah, it's a bit selective. Do all or do none. I don't know. Yeah. Patland. Patland. Yep. Okay. You immediately just spent $2,600. I don't know. What's going on? What's happening here? That's the dog. We financed our dog. You just got the dog. Yep. Are you afraid of them eating it? No. Of course not. That's a racist joke for you. $2,570. What is a Petland? Is this one of those like. Pet stores. Puppy mills? Oh, those are great. Those places are bad, dude. I have heard after the fact that apparently people have some pretty low opinions on them. I didn't know about any of that. So, sorry to the people who protest Petland. Well, they're just kind of like puppy mills. I'm not saying like adopt, not shop, sure. But if like every adopt is like a pit bull, like I get it. You don't necessarily need to do that because they'll kill your kids. But besides that, like puppy mills aren't always the best either. They should have said it was like accredited breeder and they gave background on the breeders. Well, of course. Which I get it now. Why do you think they're going to say, hey, we're an unethical business. Please. Please come to us and spend your money. Okay. Well, either way, you open a credit card with them. Yeah, it's deferred interest financing on the dog. How many dogs you got? One. Just the one. What'd you get? An Australian Shepherd. I'm sure it's a beautiful dog. He's fine. But it's just supporting a business that isn't necessarily the best. 24 month deferred. Deferred, yeah. Guys. I know, we're only making the minimum right now. Yeah, 30 bucks. Okay, so $2,570. I'm guessing you have like 23 months left. left 257 23 so you actually have to make 112 payments a month or else this is going to accrue at a 36 no no it is according to 36 interest and then that interest will hit if you don't pay it off and what 23 months from now yep so 112 a month now going forward are you hundreds of dollars will hit oh you don't even like the dog i really want not like a dog i really want to what creature are you i i love dogs i grew up with dogs i want to love him but right now it is so hard he lacks training but he also won't train him well yeah puppies don't come with training well of course not but when part of the agreement of us getting this dog was i would say i will i will do all the training oh you said that yes well why aren't you training them and i do when i have time you oh hey buddy no no no no no no no if you said let's get a dog i'll do the training lay down come and like stay he knows all of those training that hasn't happened how many months old he's seven seven months he's one month older than okay so you're out of the puppy training you're out of the potty training yeah so potty training is good what and he listens to command what are you complaining about then he just jumps he's very hyperactive sometimes sit and lay down but the problem is when he's running around the backyard he will fur missile into our middle chair and he's like oh i'm not going to do that he's like oh i'm not going to do that he's like and hit him square in the torso yeah he nips it all three of them he's a puppy i mean the toddler on the face the other day in a play way or aggressively he thinks he's playing he thinks he's playing yeah i mean yes more training is just gonna yeah you might need more professional training on that honestly with kids for what it's worth yeah i mean seven month old australian shepherd yes it's gonna be a bit more wild and you just need more professional that's new to me i've never had such an active dog before i grew up with lap dogs i've never been around a dog like this yeah australians they're crazy yeah no it's true uh okay well someone needs to take some responsibility here and do something and probably do real training that will be real training yeah maybe paid for unfortunately robin hood credit card i love my robin hood credit card but uh you guys have done the opposite of me yeah i don't have access to that i'm okay with you guys like at some point doing some kind of like shortcut like um like i know you're trying to do the avalanche not really but if you do any kind of consolidation or personal loan i just want to keep this in the back of your head bankruptcy but not until you change your behavior because we're not changing our behavior again there's spending on here we're if we're we're not changing our behavior still spending on credit cards that you are not even or you're just making the minimum of the payments you're not paying off you've done consolidations before yes okay see and that just shows because then you racked it back up it doesn't work until you change your behavior okay when you're ready and for people out there that have changed your behavior we do have a good personal loan service we do have a good personal loan service we do have a good personal loan service service at calebhammer.com that we just connect you with good personal loans the best personal loans for you check that out and actually credit cards as well those are for people that are credit card people like me because i do really well with the robin hood app so i use our credit card finder service you guys can't the personal loan maybe someday for consolidation it's good for them but not for you change your behavior first because again on here you spend seven hundred twelve dollars even though it's maxed out why who's robin hood card it's mine of course i thought she was the problem four thousand six hundred eighty five dollars and seventy three cents one hundred sixty eight dollars is the minimum twenty years to pay off minimum with no purchases twenty at youtube tv which is fine again it's fine especially at your income level i'll give you a large subscription fund that's okay okay it comes with all the nfl yeah youtube tv is good that's the only reason i got it you're putting it on a credit card that you can't pay all off though so it doesn't make sense for you storage king you guys have a big storage unit yes we do lifetime you can't afford lifetime listen lifetime's great i also have that you don't need it i need i need it not lifetime i need lifetime why so lifetime has the only lifetime's the only gym in our area that has um child care child care for more than just the morning oh guys and i can't always go in the morning okay well don't put it on our credit card you're paying 550 a month yeah it's even more not death good death man but look the dude lifetime i will not give it up it's not it's not you have to budget it in i do budget it in the the balance spending more money than you do yeah the balance that's on there that's from before we even got the lifetime membership but huh so it was already at a high balance so you're making it worse you're just getting you're maintaining it yeah but i'm i'm going yourself i'm paying more than the lifetime plus minimum payment every month barely it's moved down like a couple bucks even though you're still spending money that money that 700 that you spent could have been 700 that went towards the card and brought it down to uh below 4 000 so go yourself what are you talking about i don't care what you say i'm not giving up that membership i'm not necessarily saying you have to but it's going on a credit card you just said i can't afford it not in this context not on a credit card that has accrued interest if we can put it on a debit card maybe we can figure it out but you got to cut things somewhere i give everyone a gym membership on the show lifetime a bit excessive potentially for your situation but we'll figure it out in the end i will who's the american express cold card that'd be mine oh buddy so that's that's a card that i got specifically uh for both of us to use even though it's only one card that's in my name when you need to build up your team to handle the growing chaos at work use indeed sponsor jobs it gives your job post the boost it needs to be seen and helps reach people with the right skills and more spend less time searching and more time actually interviewing candidates who check all your boxes listeners of this show will get a 75 sponsored job credit at indeed.com slash podcast that's indeed.com slash podcast terms and conditions apply need a hiring hero this is a job for indeed sponsored jobs okay well this one it looks like you actually pay off yes yeah that one has been used for only groceries and eating out okay we didn't know it's bullshit i agree but it's something that we're struggling to escape so oh you guys adults are now shut the fuck up what do you mean you have kids shut up yeah so it goes on that and it's been getting paid off every month yeah yeah and i can give you the high five for paying it off every month but guess what the money you're having to use to pay it off every month that is going towards paying off you're eating out could be money that is going towards the three credit cards that came before this that are not being paid off so if you spend you what did you spend on this you spent like 2000 on this card right across the multiple things and you paid off great say a thousand of it is eating that you could put towards the robin hood card and bring it to below 3000 combined with the spending you did on the robin hood card so it doesn't matter like yes this is paid off congratulations first card of the four cards we looked at that is paid off but it is still money being spent that could go towards things to improve your life and actually avalanche like you like to you're not avalanche you've never heard of avalanche in your life i mean obviously i've heard of it i wouldn't have brought it up if i hadn't you don't know what it is though if you're not doing it you're uber eating uber eating that would be a lot of money if you're that would be getting some bullshit dominoes i disagree with uber eating what he does well you should yeah it's it's a premium it's like an extra i looked at the statistics yesterday it's like an extra 90 surcharge yeah i believe it 100 and i i don't disagree but working eight hours a day having kids and school and then he is going to go to work at five he wakes up at 4 30 he takes like an afternoon nap and this is stepping in some kind of way in some kind of way you need to step up in some kind of way and also meal prep if we're cooking a few times a week you can warm things up it's easy true so i do i do i do sometimes like i'll make a big i'll make a big meal and we'll save it and we'll have it like for leftovers or whatever but when you're like the primary cooker in your house if you or your child spent years growing up on social media and experienced serious mental health struggles you should hear this recently a jury ordered meta and youtube to pay millions for the role in promoting addictive platforms they knew their apps could contribute to anxiety depression and body image issues but did not share those risks while prioritizing profits the recent historic verdict underscores the consequences of those decisions now morgan and morgan is stepping up to hold these platforms accountable for the harm they caused click the link in my bio to take a short quiz you may be entitled to a potential recovery of over 1 000 stop bleeding out money making minimum payments across multiple high interest accounts most americans are spending hundreds sometimes thousands of dollars that could be going toward actually paying down debt instead of aligning some banks pockets and look if you're sitting on high interest credit card debt a car loan at 18 percent or oh my goodness a payday loan charging you triple digit interest rates you need to hear this if you've already cut up the cards and built better financial habits but you're still drowning in interest payments barely making progress this is for you i have opened my very own marketplace a personal loan marketplace that lets you get personalized offers from multiple lenders in one place you can see if you pre-qualify in minutes and it won't impact your credit score but here's the deal this isn't a magic bullet if you refinance your debt but keep swiping you're just making the problem worse you still need to fix the behavior that screwed you in the first place but if you're serious about getting out of debt faster you could potentially lower your monthly income or you could lower your monthly income as well you could lower your monthly payment by securing a single payment at a much better rate check out the link in the description below to see your personalized offers or go to caleb hammer and remember you still got to do the work listen i don't know if she i'll get your sister a course careers because you guys are doing great on your income sounds like she needs to figure her shit out i'll get her a course career certification and i'll get her on helium as well for a cheaper phone plan but i don't know like she needs to step up and help dominoes water burgers starbucks bullshit exquisite cafe morning donut cheeky monkeys cheeky monkeys so much bullshit chick filet the cheeky monkey was a birthday black rock coffee uber eats 65 bucks in that one it's bullshit so yes paid off but could instead go towards actually helping to pay off one of your bad debts oh one main financial what is this yep so this is a consolidation loan that i took out a few years ago uh because we were and this is before most of these credit cards that we've gone over even existed but we we'd got a lot of credit cards that we've gone over even existed but we we'd got a lot of stuff or all of our cards maxed out i didn't know what to do cards maxed out and this is before we were started looking for a home and it's the reason why we couldn't buy a home sooner than we did so you guys are renting right now no we bought a home but years ago so this was like two years ago but we lived in an apartment for a year and then my job gives really did he take it out behind your back yeah he took it out and didn't tell me about it and i had been planning we've been talking about buying a home and my she can't trust you my job gives really great bonuses that he can't trust you my job gives really great bonuses that payment to lower our rent and then he did payment to lower our rent and then he did payment to lower our rent and then he did this which up our debt to income and we this which up our debt to income and we this which up our debt to income and we couldn't buy a house couldn't buy a house couldn't buy a house yeah i was in a spot where i um i was yeah i was in a spot where i um i was yeah i was in a spot where i um i was trying to trying to trying to control take take control of all the control take take control of all the control take take control of all the finances without finances without finances without you know having the mature conversation of you know having the mature conversation of you know having the mature conversation of explaining that we're in a bad spot explaining that we're in a bad spot explaining that we're in a bad spot and i just did that i thought i could and i just did that i thought i could and i just did that i thought i could what's the point of the personal loan what's the point of the personal loan what's the point of the personal loan anyway the interest rate is practically a anyway the interest rate is practically a anyway the interest rate is practically a credit card at 24.21 inches right credit card at 24.21 inches right credit card at 24.21 inches right because it's horrendous it's still better because it's horrendous it's still better because it's horrendous it's still better than the rates that i had apparently than the rates that i had apparently than the rates that i had apparently and at least i don't know okay You can usually declare some kind of hardship with many credit cards, and they'll get you on like a 1% interest loan. But then you have to close out the credit card. Close, yes. Yeah, but you didn't want to do that. That's happened with one of them since then. So what's the point of the personal loan? What's the consolidation without closing? You're just going to end up in the same situation which you did. So if. Okay. So $477.87 a month, and you owe $10,118.01 with an insane interest rate. Okay, and I'm also being told there was another loan that he didn't send in. What the f***? What? So we have an upstart loan that I originally took out to pay for our daughter's dental care because he failed to put her on his dental plan, and she never had dental care, and then she had cavities, and that was $10,000. So I had to take out a loan to assist in the payment of that because he failed to put her on insurance. Why aren't you putting your kids on your f***ing insurance, Tiff? He was lazy and procrastinated. So I have since then. Well, since then, after the consequences. Yeah, no, I recognize where I messed up in that situation. Uh-huh. But, you know, obviously, her dental health is important, and there was work that she needed to get done. I felt like if we waited the two months for her to actually be on the insurance plan and then schedule everything, it would have been okay, but instead we just pushed through and took care of it. Which when I found out that he didn't have her on insurance, I got independent insurance for her, but they told us to wait 60 days before any actual care could be done aside from, like, cleanings. He wanted to get it done ASAP. It wasn't a f***ing root canal emergency. No, it was crowns. She had several cavities and needed crowns. Yeah. Which age one? The oldest. So she was five at the time. That's like her baby teeth, right? Yes. But then if you don't take care of them. I guess I don't really know. Well, okay, if you don't take care of those teeth and it burrows down into the teeth that come up and it, like, f***s you up, f***s you up for the rest of your life. Okay. So. And the dentist said you couldn't wait those few days? I was at work, so he took her. Oh, you just went. You just did. Yeah. I took her and I felt pressured to get it done right then and there from Callie instead of waiting two months for her to actually have insurance coverage. Are you doing what's necessary for her to not get those anymore? Yes. That's pretty much better. We get such intense dental work, right? Yes. But I was also the only one who was brushing her teeth and I would do it day and night. She's brushing her own teeth now? Well, now she does. She's old enough to do it now just as long as she's. Okay, what's the balance on Upstart? It's, like, $5,600 because whenever I get bonuses, I add that. What's the minimum monthly payment? It's, I think, like, $112. What's the interest? 32%. What the f***? It was what I could get at the time. Okay, Wells Fargo credit card. What's this? So, that's mine. What? Have they not been yours yet? Everything that you have is mine, but the spending is not all mine. That's all of my stuff. Okay, well, I didn't send it in. Sorry. What the f***? So, it's even worse? It's even more? I have, like, three credit cards. So, you're not with. That's bad! But they're not with, like, high limits like his are. His are $6,000. It doesn't matter. There's still balances, you dumb tit. You're right. The reason I didn't send them in is because that Upstart loan that I've got was. It consolidated her stuff. So, it's in that. But she still has balances on her credit cards, right? I have recurring stuff that pays off every month. You pay it off every month. They're balanced. You don't like. I still want to know your f***ing spending. Oh, it's like Apple Music. Be prepared to pull those up. I want to see the spending. Either way, $5,336.16. Minimum to payment, $123.72. Interest is accruing. It's temporarily at 1%. Right. Yeah, so that account is closed. Ah, so you did the hardship thing that I talked about. Yeah, I didn't know that that's what I was signing up with them to do. I was just. What's wrong with closing your accounts? You already have a house. There's nothing wrong with it. I didn't know that I could close it and take out or get this hardship situation with them to have a minuscule interest rate on what's left. Okay. I didn't know that that was an option, but I found it by accident. Are you paying on that? Yeah. I didn't know that. What? That he was paying on the Wells Fargo one. Well, he has a minimum payment. Yeah, just the minimum every month. I think now would be a really great time to tell you that he also opened up a new credit card with USAA. Yeah. Cents? Okay. Yeah. Yeah, cents. We just got it in the mail. Why, dude? What is your addiction here? This is insane. So, a lot of those other ones, I fell into the trap of points chasing. I didn't do it. I didn't do the process correctly and that's how. What? Where your interest is accruing and that completely negates any kind of points you'd ever get? Yes, precisely. Yeah, okay. So. And then you applied to financial audit and submitted your documents and then got a new credit card? You already know you're fucked. Yeah, I know. Brother. Which is why I hid the card so he couldn't activate it. Even. What's going on here? It's just bullshit spending. Roses, cafe, and tortilla. Going inside getting some energy drinks. More Petland? What the. You made your Petland down payment maybe on here? So, that's a separate financing deal. It charges over. It charges over 12 months a set balance. Shipley's Donuts. Shipley's Donuts. And I'll be honest. Girl had her friends in town. I was like, you know, let's get a little Texas love. Got Shipley's? I used to go to Shipley's I used to think they were incredible. Those were the worst donuts I've ever had in my life. It's gotta be a fresh glaze. It's the only way it's good. And they're shit. They're just. They're like bread. This is bread. It's not donuts. They're actually like a loaf of bread that's slightly glazed. They're shit, man. That is absolutely I know there's better donuts out there. That's. Yeah, Round Rock Donuts. Crispy Cream. That's what the kids wanted. Any donuts ever. Even Dunkin'. Tim Hortons. Absolutely not. I don't like Dunkin'. Dunkin' is trash. It's not good. You're right. It's not good. But it's better than Shipley. No, it is not. Because Shipley's not a donut, dude. Why are we arguing over Shipley's? We all know like the little Korean little places. Because we're fat. We are donut connoisseurs. We're fat. And he's got a bad opinion about Shipley's. It's not a bad. They're not donuts. You're right. Dunkin' is shit. But at least they're donuts. You're talking about a loaf of bread that gets a little glaze on it. It's horrible. It's literally. Disagree. It is the. Congratulations. They're horrible. Everyone. I saw everyone shake their head yes when I said that. Because they're shit donuts. You're a bad fat. Okay. I don't want to be fat. So I guess it's a good thing that I'm a bad fat. Maybe the fuse are. Well, you're only getting fatter and it's on shitty food. Yeah, it's because I'm damn good at getting fat. You're damn good at eating the worst donuts. If you're going to be in public safety, at least get the good donuts. Well, I don't get donuts while I'm working. He gets them after for the kids. We do like a little donut sundae, which has. Crispy? Well, yeah. Honestly, we don't really do it. I love Krispy Kreme. There's not one on the way home. What the f. It's two out of the way. Okay, saver card, who? Also mine. $972.42. I just never get Shipley. It's horrendous. The worst shit I've ever had. The friends were so disappointed, and everyone was so disappointed. They were just so bad. They were so bad. Got the glaze, got the filled, got the strawberry sprinkles. We got everything. It was all shit. Barbarian filled. Horrible, horrible, horrible. I don't disagree. Then I ate one the next day, and it gave me diarrhea farts all day. It was horrible. $972.42 on here. Interest being accrued. No purchases, but you're only making the minimum to pay me. Cause we're avalanching, i.e. spending on the credit cards that we're putting more towards. Stupid. Stupid ass. Seven years to pay off. Interest is being accrued like crazy. Yeah. Okay, Venmo credit card. Fuck me, what a balance. And a Venmo credit card. Takes eight years to pay off. 2,700. 84 ridiculous you'll have experienced two more preschool graduations by the time this is paid off but they're all going to use the same yeah they better because that's the most pointless waste of society thing our quality of education is going down everywhere in this country everyone's becoming more and you're giving them a celebration for preschool yeah fuck off kindergarten whatever same thing same bullshit to me 69 monthly payment eight years to pay off and oh you're no interest interest is being accrued brutal of 50 bucks practically after a $70 payment $2,077.84 auto we have a car that's my car what is it it's a 2024 volkswagen atlas se tech okay well you owe $38,385.74 with a minimum monthly payment of $754 now that's that high income shit that's where themselves i got death threats on twitter yesterday after dex doro posted a clip of me saying we spend too much on cars here's an example they make so much money then they get an 800 minimum payment on their car that they don't need you know how much it's worth for your 40 000 hour loan so what's it worth it's worth a lot to me okay 28 000 hours you okay well i'm gonna drive the wheels off it but also this is what everyone says well i don't have any plans to upgrade this we've upgraded what are you a little nazi what do you mean what i just like my car we upgraded because all three car seats would not fit in my previous car don't care you owe a lot of money on this car what am i supposed to do drag the other kid behind me with the chain there's other cars that exist that can fit it that are not 40 000 hours at an 800 payment i what name would i have to have my head a used volkswagen ours was no it was new but we got a better deal on it you on a shut the up you didn't get a good deal you're under water by 10 you didn't get a good deal you're under water by 10 000 hours what's the interest rate on it 7 and change go off so it's barely even competing with the marketplace if your money's in there and then you got depreciating you already lost 10 you'll lose more as it goes me so stupid what is this then a lease yeah you have a lease what's your lease i got a 2025 f-150 and he had a volkswagen jetta that was almost paid off you are a american you don't do anything you go to work and drive a different car you don't need this you don't do anything you pick up groceries i've used it for things that i couldn't have done a couple times that you can rent a car for that you could rent a truck in the moment for you don't you never you never in no way do you need an f-150 i mean i needed something that just like hers that could fit all three car seats you wanted to build something for uh doing pottery you rent a rent you don't need to lease this shit at 579 dollars and 81 cents a month which your miles will likely be over but your gas payment especially now is aggressive on the gas the gas is hard right now yeah your problem your fault can i also just say that um our our monthly payments increased on things because he had a really sweet deal where he was still in his parents insurance and he was not paying his dad for the insurance so they told him to get his own so now he has to pay what is it like 300 with your own uh yeah between the truck for the budget the what's the term on this uh five years 40 no 48 months and what are you gonna do after once it's done release it to keep it why something you don't get an auto loan to get to the office and you have a ford f-150 to get groceries this is so pathetic most american piece of shit with a stupid car it's so stupid i i think that it's that it works out because i mean just right at 40 your car payments are a thousand 500 bucks yeah i know they're expensive but i mean just just for the truck i have i have a don't utilize i have a 40 a 40 mile commute to work that's even a worse reason that that's even a worse reason to have a truck a 40 mile commute what the yeah no i i'm not disputing that the fuel economy sucks compared to to the last car that i had but i'm in a position where no matter the weather no matter what's going on i have to get there so what are you with the just standard suv you'd be fine over the winter when we had snow and ice just four-wheel drive suv you'd be fine a four-wheel drive suv is the same price pickup i went to i think it was like the uh statistically like the eighth snowiest university in the united states snows up to here constantly west michigan bullshit lake michigan snow crazy i had a two-wheel drive horrible sedan and i was doing delivery jimmy johns and avalanches shut up compact snow is way easier to drive on than black ice ice what are you talking i was black ice every second of every day what do you think happens up there it's horrible it's scary i think it just snows and everyone drives on it and then it compacts and it's easy to drive and it's also like hurricane snow shit too blizzards buddy this is a cope you're coping shut the fuck up your house 323 856 84 cents what's it worth right now um i think it's worth 368 okay so i guess you would be close to breaking even if you sold it after everything 2349.71 a month a decent rate actually good rate at 4.25 so i do like to see that that's fine i'm not freaking out about the house yeah i don't know if the mortgage payment is a little higher now um after the first year there was so what's it now uh just under uh yeah it's just under 3 000 hey but that was because our taxes went up and then we also found out that we showed me your credit cards we were we also found show me your credit cards double paying insurance here we go checking account decent money in there but it's cheesecake at kroger we love helping you save with pickup and delivery right now you can save even more on fresh favorites with online deals like kroger brand 80 20 select packages of ground beef for just 399 a pound and fresh strawberries for only 199 a pound plus get 20 off your first online order of 75 or more restrictions apply c-site for details download the app or visit our website to get started kroger fresh for everyone bullshit great american lush sonic sonic bullshit at target bullshit at target amazon sonic apple bill water burger close nails etsy bullshit mcdonald's bullshit sonic bullshit sonic sonic sonic what is with you and sonic it's horrible it's the greasiest shit in the world okay i'm gonna sit here and defend that shit because it is one drink maybe two with my sister and it keeps me dollars 50 cents at sonic that was the night that we all had dinner yeah interesting i get a drink up no you didn't okay ten dollars it's a ten dollar drink if me and my sister go and she doesn't pay rent off amazon when is that got some energy drink spotify sonic apple bill energy drink snowy fun bullshit energy drink no it's almost a birthday express coffee can't afford it amazon amazon school cafe raising cane sonic amazon bullshit amazon amazon um okay pharmacy probably okay uh mcdonald's sonic mcdonald's amazon energy drink bullshit autopay oh autopay and well something i don't know but it's like 41 bucks black rock coffee oh that was like an auto payment to a card amazon in and out bullshit apple bill water burger water burger water burger sonic boot city keviners bullshit sonic bullshit energy drink bullshit apple bill energy drink mcdonald's canteen vending machine yeah at work probably vending machine black rock coffee sonic coffee bullshit raising canes you got the trial for amzy every dollar well now you get dollar wise for free forever so congratulations mcdonald's bullshit bullshit victoria's secret 80 bucks there chick-fil-a starbucks bullshit water burger sonic bullshit apple bill sonic bullshit bullshit energy drinks energy drinks sonic bullshit water burger black rock coffee amazon amazon what the are we doing savings 103 dollars wow what a stunning success 200,000 hour a year household what the are we doing seven percent employee contribution rate for this tmrs well what's the balance 13 000 definitely behind for your age yeah but that's 189 so on that on that retirement account it's um my employer matches two to one so that's good but there's only 13 in there right but that's all that's only for the match that's only my contributions okay because i'm not fully vested yet so i can see the amount that will be available and i'm not fully vested yet so i can see the amount that will be available it's just not fully available until i hit five years with them got you even still behind for your age for sure that's especially at your income and that's not what your retirement should be at in about one year probably a hundred thousand dollars two hundred thousand dollars combined so what we need to be doing is paying off everything and then living solely off one income and putting everything else away you're just literally having a monthly fee on here you're just paying for your monthly fee i was just saying that's only two i can't you still haven't canceled that no i haven't i'm sorry are you need to i know i told her that she needs to cancel literally just paying a monthly fee for the credit card You didn't even spend on it. And you still have the credit one? Yeah. Credit one's insane. Yeah. I need to delete. I need to delete them. Delete it. Or I need to cancel them. Yeah. I told you that three months ago. Sorry. Well, why didn't you do it? I forgot, to be so honest. Shut the fuck up. What kind of, that's so immature. Credit one's insane. All this bullshit's insane. Minimum fee payments, no mortgage, $2,423.41. Without the mortgage, guys. 2,500 bucks. I've never been in the credit one app. This is disgusting. Okay, yeah, you purchased 46 bucks here. Where did it go? Probably bullshit. Canva. And church. And another credit one, jeez. The Canva, I probably need to expense. That's for work. I do a lot of our marketing stuff. But you're doing it on the fucking credit one. It's insane. It's just what was attached to it. Stan Pato? What? I don't know, it's a store. Some guy's store you spend money on. Credit one. Oh, and here we go. Recent transactions. Black Rock Coffee. Sonic. It just continues. He went inside, got some bullshit. Oh, and some gas. Sonic. Bullshit. Starbucks. Jack in the Box. Barnes and Noble. Monster yogurt. Chick-fil-A. What the fuck is wrong with you? You guys are pathetic on your spending. This is insane. Mortgage. 2,900. What's your gas, electric, utilities, internet combined? Our electric is one. 650. Our gas is 60. Our water is 125. Our trash is included in the water. So our internet? So utilities should be around 350. Internet also has your phone bundled. It's included in our phone. How much? It's like $400 a month. No, no. It just went down. It just went down to three. Good death. For phone plus internet. So 650, fuck off, man. Yeah, again, helium when your phone's repeated. I know the service is great up there. Phone bill. All right, well, we already did that. Is there an additional phone bill on top of that? He should be paying his parents for his. How much? No, so my agreement with my parents is they have me on their plan as the primary so that they get a cheaper rate. Gas, rooms, room, drive, drive, both of you combined. It's going to be insane. Right now, we're like 450 a month. I'm actually surprised it's even that low. I also get like a $300 stipend every quarter for gas. Oh, quarter. Yeah. Okay, so I'll bring it down to 350 then. $100 went to it. Car insurance combined. You just combined it. Oh, what did it just go up to? About 400. Kill me. Okay, necessary food. Listen, okay, so 20-month-old, you're pretty much eating everything normal? It's 265. That's the last payment. He added me to it. Either way, 20-month-old, two-year-old. Eating everything just normal? Yeah. Eats everything under the sun. Six-month-old doesn't sound like baby food though, right? Yes. Baby food formula. Formula's $200 to $300 a month. That's fine. So I think we should be able to do groceries total, meal prepping, about $1,000. TP, find anything else you need to survive that has diapers, that has everything, that has bullshit, that has toilet paper, that has school shit. It's going to be expensive for a household like yours, about $500 a month. Medical health care, how much? Co-pays, monthly basis, anything? We owe money to the pediatrician's office. Well, that's a debt. That's a debt. It's because I didn't know the- Well, how much? It's $100 every month. It's for 27 months. It's $2,700. Well, add $100 to the debt because that's what it is. Are there any co-pays on a monthly basis though? No, no. Okay. Gym, what was it, like $550? Oh, it's way more than that now because- How much, man? We had a third kid, then she added Pilates to it. How much? $765. I'll see how it ends up. Pet insurance, $50. How much for pet food? $50 every quarter. He eats like a cup of food for three times a day. Well, it'll ramp up. Okay, $20 I'll put. He's fully grown now. Okay, so- A seven month? No, he's still a puppy. I'm a seven month. I mean, he's a fully grown in size. The vet said he's not going to grow in size anymore. Okay. I don't know if that means he's still- Subscriptions. I'm going to try to give you guys like $200 if I'm being nice. Let's see. Anything else that needs to be in this budget? I don't think so. All right, guys. Yeah, even with that, there's some wiggle room, but there's a lot of debt to pay off. Okay, so needed to survive, $9,364.11. I'll give you $200 for subscriptions. You can use some of that, put it to fund, maybe $100 for subscriptions, $100 for fund. You don't get to spend money on bullshit right now because you have an extra- Okay, let me do this. Let me give you guys $200 for fund. You have an extra $2,200 on a monthly basis, okay? So that's going out to you. It's going, doing whatever. Save it up over a month and have $400 next month, whatever. But I need to figure out- I need to figure out more than anything, the most important. Okay, so total debt, $68,410.04 plus, what's the total pediatrician debt? $2,700. Okay. With the $2,200, I mean, yeah, you guys paid off in just about two and a half years, and that's not bad. And I'm giving you fund money. And, you know, overtime, the more we can rack up, the better. That pays it off. Raises throughout the years, that'll pay it off. I wouldn't be surprised. If you guys pay it off in about two years, to be completely honest. And that's with fund money and a great subscription fund. And I gave you a lot. But you're meal prepping. We're not eating now. You can use your $200 for it. Take $100 from subscriptions. You can use $300 towards it. There you go. But whatever. It's two years, guys. This isn't the end of the world. Or two and a half, depending if your income is purely stagnant. But you have to make a change. You have to make a sacrifice. No more credit card spending. It's all in the debit. And yes, you did have enough money in there. You didn't have to put it on a credit card. Stop f***ing around. You guys are behind on retirement. Don't put yourself in a dangerous situation with your kid. You guys make an incredible income. Take advantage of it now, guys. Stop being pathetic. Stop being pathetic. And after that, a fully funded six-month emergency fund. Then 20% is going to retirement on a monthly basis. And you guys have an incredible 30% to spend on a fund with your $11,800, which will be even higher. But you'll be able to spend $3,540 a month on fund. F*** off. It's better than anyone gets to ever. So shut the f*** up. This is the easiest situation ever. It's disgusting that you're in it. It's disgusting that you're not getting out of it. It's not complicated. Communicate. Go with a couple's therapy. Figure it the f*** out. Before we go to the post show, let me get their Hammer Financial score. Get yours at CalebHammer.com. Spending in a budget. You overspent dramatically. $22,000. Zero out of tens because you guys don't communicate. You won't talk. You don't budget. Use dollar wise. Debt. No collections, which is good. But it is pretty. I'll give you a two out of ten. Not good, obviously. Two years to pay off, though. Emergency funds. There was really nothing in savings. There's a little bit in checking account. I'll give you a two out of ten to be generous because there's like $6,000 in checking account. I'm sure that fluctuates dramatically. In fact, I'll give it a one out of ten because of that. Retirement. Definitely behind for our age. I didn't see anything from you. No, my company doesn't have a retirement plan and I don't have it. They don't have a 401k? No. They don't have to match for them. Okay, well, you still have access to IRAs. Right. I have an interest-bearing savings account, but. Okay, IRA. Max it out, dude. Okay, whatever. Retirement. I will give you about a three out of ten there. That might be generous. Real estate is the only thing going for you. You can sell a break-even. Great interest rate. Good location. You're in a boom town. Yeah, yeah, yeah. No, I'm happy with the real estate. Eight out of ten. But I'm going to bring the retirement down to two. Hammer Financial Score. Real estate is carrying you guys. Three out of ten. Join us in the post show by clicking that join button or by downloading the Hammer Elite app or going to hammerelite.com. You can watch it on YouTube or you can watch it on our platform, completely up to date. It's totally up to you. Same membership on both places. Love you guys. Thanks for supporting us. See you in the best membership on YouTube in the financial auto post show. There was a consolidation loan that we didn't talk about. But you haven't changed your behavior. You spent so much money. Hey, it wasn't even my idea. Whose idea was it? Kelly. It was your idea. It was. Okay, so was the upstart. How much was the loan for? $1,000. Consolidated. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Kroger, we love helping you save with pickup and delivery. Right now, you can save even more on fresh favorites with exclusive online deals like Kroger brand 80-20 select packages of ground beef for just $3.99 a pound and fresh strawberries for only $1.99 a pound. Restrictions apply. Kroger. Fresh for everyone.