Financial Audit's Most Toxic Couple

- To watch episodes of financial audit a week earlier, check us out on YouTube. - We're still together because I have nowhere to go. - I mean, she gave you divorce papers, right? - Yeah, I've received those. - So we've gotten physical. - What do you mean gotten physical? When did we get physical? - He started to have sex with me, and I kept telling him, "No, no, no, no, no." - This is the oldest shit. - This is the biggest bunch of bullshit you have ever heard this year. I swear to God. - Oh, what happened? - So I've launched this man off of me multiple times. - She told my mom I was ****. - Yeah, I sure did. I sure did. - I've run, that is ****. - It sounds bad, but it's really bad. - It sounds bad. - Oh, it sounds bad, but it really isn't. - He always gets intense. - Do you forgive him for what happened? - No. - The otherwise is about to launch its biggest update ever. - My team and I have been working day and night, and in the next few weeks, "Dollarwise Web" goes live. - For the first time, "Dollarwise" is coming to your desktop, giving you a bigger, easier way to see exactly where your money goes. Plus, we're launching the "Dollarwise" referral games with real money and huge prizes. You do not want to miss this. Download "Dollarwise" using the link below and create your account now, because when the "Dollarwise" update drops, the games begin. I want you to be on the next episode of Financial Audit right here in Austin, Texas. If you think you have interesting finances, with an interesting personality, or a story, or a life, or a relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to katelapamber.com/apply or click that link in the description below. - Hi, I'm Caitlyn, I'm 28 years old. - I'm Tim, I'm 30 years old, and we're from Clarksfield, Tennessee. - And this is Financial Audit. - Well, what do you do, Caitlyn, for a living? - I am currently a nurse, and I'm currently in school to get my. - Nurses make money. Oh, but you're in school for what, sorry? - To get my bachelor's. - And nursing? - Yes. - So you're not like a nurse? Do I get nurses aid? - No, I'm a nurse. - So LPN? - I mean, it's LVN in Texas, but I'm really? Yes. - I don't know. Okay, well, what do you make? - So right now I'm doing agency nursing, so it's kind of like contract or work. So the, I don't go for anything less than 32 an hour. - How much do you make? - Okay. - Huh? So how much do you make? - I make like 390, 400 per shift. - Okay, okay, good, good, good. What do you make per paycheck cycle? What's that paycheck cycle? What do you bring home? What's happening? - I don't get a paycheck. I get instant pay. Once I do the shift, I get paid. - Okay, how much instant pay do you get a month? Girl? - I don't know. - For sake? Okay, how many shifts do you work a week? - Average. Average. Average. Assault average. - I work three shifts a week. - Okay, very good. How much do you get per shift? - 398 to 400. - We'll call it 395 times three. And you work 50. Do you get paid? No, it's per shift, so you don't give occasion time, right? Are you? - No. - Okay, how many weeks do you think you take off for your? - A lot, 'cause-- - Okay, okay, no, no, no, no, no, no. Let's say if you've been worked and we just did 50 weeks-- - There's months for it's $0 for that. I'm going to divide it by two. I'm going to say you make-- Let's call it $4,900 a month if you just work. - No. - Of course not. - No, it makes $15,900. And that's because we're going on vacation. - Oh, oh, sure. - You're going on vacation three weeks a month? - No, it's literally like-- - So that your math doesn't make sense. Two weeks a month? - I would say the average is like 600. - So it's kind of what? - $1 per month. - For me? - There's months where you don't work. - That's two shifts. - Well-- - She does two shifts a month. - Some months? - Yeah, some months. - It's-- - You're allowed to just not be. - Yeah, she's straight up. - You just sign up? - Yeah, they post a shift and I bid on it. - You work two shifts a month? - No. - That's what he's saying. - I don't know what he's talking about. I will work three shifts a week, but if I have a big test coming up, I'll take off two weeks before that test. - That could be fair, but that's rare. That's why a couple times a semester, maybe midterms. - No, I have to take three big exams. - Okay, so three times a semester. Oh no. Okay, so, well, what are you getting to? How are you getting to? I don't know what the real answer is. I don't know what to put down. - I guess, um, well, definitely, the last month has been like, what? I mean, I mean, shifts are your work. - Well, I'm talking average. Going forward, especially because I mean, with what she was telling me. - Okay, I'll call it five. A month? - A month. - Yeah. - That's about 90. A shift, you said? - Between high and low. - 395, 395 times five. - Yeah. - So, 2000 a month. - I just feel like that's given us too much money. - Is it? - Yeah, honestly. - Okay, honestly, it doesn't sound like an "us" though. I don't know why she. Did we capture that moment, Mark? - But. - Okay, so maybe I don't even know you to f***ing repeat it then. The whole thing, or I don't need you to. What are your no-nose? - Do you mind if I talk to you by myself? About no-nose? - Uh, yeah, okay, that's fine. Sure? - Yeah. - Okay, no one's ever done that before. I just sat down, so I think I'm going to get you to leave, because I'm comfy. You're my guest, understandable. Okay, yeah, what are your no-nose? - First big dinner. - Wait, why'd you want him to leave? Because I'm so weird. I've never had that happen. - So, I have given him to force paper works and told him that I'm very, very serious about this. - Good. - We've been fighting a lot. I have no idea about anything with finances, so this is kind of like my, please help me. And I don't know what he's got going on on his side. - Well, I'll definitely try my best. - Yeah, I mean, okay, there's a lot of things here. We've been around a half. Um, I mean, we'll definitely. Okay, yeah, yeah, sure, sure, sure. Well, how's that unknown? What's the, what's the no-nose? - Not really anything. I just wanted to talk to you by myself. - Okay. I mean, she gave you divorce papers, right? - You've received those, I would say so. So, I don't think it's a Wii. - It's still a Wii. - House is still a Wii. You just got divorce papers. - We got divorced papers. - Usually when the divorce papers happens, we like, you know, separate and, you know, fuck a little bit, that's pretty much it. So, I told him. - So, you would actually prefer to be clear? - She is not a prisoner. - Would you be clear if you had somewhere to go, do you would very much not be next to him? - Yeah, I told him the last time we got into a fight. I said, if I had a relationship with my parents, I would not be coming home. - She did slip them. - You know, if you like, worked. What did we do? Was this five shifts, four shifts? Did we do five shifts? - Five. - If you worked 10 shifts, you could have four plays. - Yes. - I think that's more of a personal choice. And you're right. You serve the divorce papers to him. - Yes, yes. - Okay, so you made that choice, huh? - They were not filled out. They were blank. - Yeah, they were blank. It was. - It was a threat. - A threat. - Okay. - It wasn't a threat, okay. - See, that's different than what she told me before. She said, "Oh, no, I told her to fill them out." - As she filled them out. - So, you were all down for the divorce? - I was just responding. - 30, 28. Okay, okay, I learned about that in a second. What do you do? - I work for the Department of Transportation. - What? - For the state, yeah, like state agency. - Okay. - Doing what? - The maintain in the roadways, plowsnow when it comes down. - Ah, yes you do, yes you do. Okay, you're not the decision maker. - Very good. What do you make? - It's not always snowing, and. - Yeah, see, so I don't. - So average is full tireless salary? - Sure. - Now we get like one snow year, like 60. - 60. - Okay, well, it's your count per month, average. What's 18, 100 plus 15, 100? - 36. - Very close, but that's not it. Let's go to Gary, the. - Oh, 18 plus 15, you said? - Yeah. - The much extra, always the same. - Okay, if they're always the same, that's actually good. That's consistent. Maybe, you know, we want a little more, but. - There might be like, yeah, I ran it down, so there might be like throw. - You guys close to Nashville? Is this close to Nashville? - Yeah, you still. - Yeah, yeah, yeah. - So it's definitely not, I mean, it's going up in the cost of living, for sure, if we're comparing it to many places. Okay, okay, well, that gives us household income, but again, we're not a household. So you actually make more than him, I'm confused. So if, wait, if she left, how would you pay your bills? Would you be able to pay your bills? - Okay, listen, listen. - I gave him the divorce paperwork and I said, "You get your sh*t together." Or, as soon as I graduate, I'm leaving. - Doesn't make any sense. - But. - But that is not. That is not. See, maybe you shouldn't have told me before we started filming, 'cause that just contradicts everything. - Well, no, no, hold on, let me finish. But I will pay for him to finish his schooling, 'cause he's in nursing school right now. - I'm not a child. - But you didn't tell me if he gets a sh*t together, you told me you handed him the divorce paper. - No, I said. - Did you, did I miss that? - As a threat. - As a threat. 'Cause I said, "If you get your sh*t together, "if you don't get your sh*t together, we're done." - That's what you told me before we. - That's exactly what I told you. - I must have missed that, 'cause I was just trying to, like, get in here and get. You just hit me out of the gate. Like, fuck up. - Um. - Hell yeah. - If that's how it's like in the marriage, I'd get divorced too. Get home after a long day's work and she's like, "I need to talk to you privately." - I mean, I don't agree or disagree, but yeah. - Really try to protect yourself there, except. - Absolutely. - How long have we been married? - We've been together 10 years, been married since either 21 or 22. - 20/21. - You know? - I don't know exactly what we got married. - What the. - How? Everyone knows when they got married. - Now we got married twice. - Not divorced. - Not divorced. - You two separate celebrate. - How much we love each other? - Except divorce papers were handed. - Is a threat. - As a threat, that doesn't make. - It's like, "Okay, what the fuck?" So that's why you want your finances figured out together. I may have missed that part. For some reason, I was thinking like you wanted. Because these are all intermingled, for sure. - Oh, yeah. - Okay, so yeah, it's gonna be complicated. I thought you wanted me to do like a separate budget or something so you could get the fuck out of there. - No, we're done. - But this doesn't line up because again, she just said, if she could afford living her own, or if she had a relationship with her parents, she'd go there. - I'm sure she'd feel like it for about 30 minutes, but-- - She just said it here. - If you don't get a shit together, I'm gonna stop. - Yeah, she said it together. - What if she said it together? - I'm like, he's so mean to me, he's so mean to me. - Okay, fine, let's get into it. Let's get into it. - Okay, okay, so I've been married for maybe four years, maybe five years, who knows when we got married. Why did you go and get those papers? Tell me what is going on, tell me what's up. - Okay, so we have this big issue where I feel like he is a straight asshole to me and he does not recognize it and then when I'm like, hey, you're kind of a asshole. And he's like, no, I'm not. This is what you did 10 years ago. I deserve to be an asshole. - Well, tell me how he's been an asshole, though. I do need more details in this conversation. - Oh my, well, that's different than being an asshole. What do you mean gotten physical? - We've gotten physical a few times. - A few times, tell me-- - But not like-- - Tell me about the first one. - So the first one was when we, it was a few years ago, this guy lived behind his house. He was beating the shit out of his girlfriend. So I-- - What happens in Clarksville, Tennessee? What the fuck are we doing? - I went to that guy's house, went inside and was like, if you want to beat the shit out of anybody, beat the shit out of me. - Are you? - Very intoxicated. - And that was, yeah, but-- - So before all the cops, you're not a cop. - I mean, yeah, that makes sense. But at the time, what am I supposed to do? Just sit there and be like-- - All the cops, you're not a cop. - But I find-- - Why does she commit a helmet? - Rule number one, yeah, well, okay, not just that, but isn't rule number one not to like put yourself in danger when someone else is in danger? When you're the toughest motherfucker on earth? - Also, yeah, I mean-- - I had a lot of liquid confidence in me. - Time. - What time? It was like-- - Well, sundown. Okay, well, that's good. Okay, so what happened? Well, that doesn't sound like him beating you to be clear, but come on. - So I went in there, throwing all the shit around. He comes in there. He literally drags me out of this house. - The other guy. - No, me. - No, him. - Oh. - Somebody's house. - And then-- - He got a little bit more angry, started throwing stuff, broke some windows on a car. - Who's car? - The guy's car. - Okay, you're crazy. I don't know what to-- I thought you were just trying to separate the woman from a dangerous situation. - I was. - Now you-- - Why are you breaking people's cars? - Okay, go on. - And then I pretty met-- I mean, I was drunk. So I was like, "Q, you're supposed to be on my side." And he's like, "No, Q, you're acting crazy." And I pushed him and he like-- - I grabbed his road. - Yeah, he grabbed it. - He was a quick reaction. - It's quick as it happened, it's quick as it didn't happen. - And then I took it-- - And then I like-- - And then I like-- - Ring off and I was like-- - It was pissing me off. She just slapped a shit out of me. And I'm trying to keep her from going to jail. So when she slapped a shit out of me, I just-- and then I got the drop. - Michael, you can beat your wife? Of course I can. I have over five million pounds. - Well, listen, I wouldn't grab her throw. It's like, I understand it. It was a quick reaction. But again, that is just like the type of physical thing I'm concerned about, because you're trying to get her out of a dangerous situation. - Yeah, I'm trying to keep her from going to jail. - Tell me what the next one, 'cause he said there's a few. - You do the next one, 'cause I can't really-- - No, you put this on me, you said I'm abusive, like-- - Abusive? - I didn't say anything. - Are you telling people she's abusive? - No, I mean-- - She just told you that I'd lay hands. - Okay, so and then-- - Well, then it's insinuating at the very least. That is a dangerous insinuation to make. - Well, I always-- - So tell me about the next time. - So the next time we were arguing about something, I don't know. And I said, "I hate you so much," and I pushed him, and then he pushed me-- - Why? - Because I just, I don't know. - No, I don't remember-- - I don't remember-- - She gets so mad. - She gets full of rage. I don't remember why the argument started, but it turned into her hitting me in the chest, like four, five, six, seven, eight, nine times. And I'm like, "You know what, just push her off of me. I gotta walk away." She pushes me in the back, piss me off. I turn around, I grab her, put her on the bed. I've been her down, it sounds bad, but it's really bad. It sounds bad, but it's really, it's, "How is it ain't?" 'Cause I finish the story, then you're be like, "Oh, yeah, I think they better." So, put her down, and I'm like, "Dude, just quit." And I get off of her, and I go to walk away, and I get pushed. I get pushed in the back again, right? - He makes everything worse. - Shub me in the back while I'm defenseless. - He's not just quiet, like, "Oh, please get off of me." He's like, "You, you're crazy, and I am like, no, I'm not. I'm fully defending myself. That's why I get so mad." - I don't know how to talk during it, because honestly, I just go into a blank, but anyway. - Well, that's not good. That's where people abuse each other. - That's where. - Like, literal abuse if we're talking abuse, that is literal abuse. And you just see nothing but red. - Well, I mean, I ain't like that dramatic, but it sounded like it. - She pushed me. - I mean, tell me not. - Because it's not. Like, it's hard to explain, like. - Well, you tell me, then. - Well, he's making it sound like nothing happened. - I know. - I talk like this. This is intense to her. Right now I'm screaming, and this is aggressive. - Fine, you tell your side then. - So my side is, I'm trying to explain, hey, you did something that I really did not like. And then it turns into, no, I didn't. You always do this. Oh, oh, my bad. You always say that I'm doing something. And then I get mad, 'cause I'm like, you motherfucker, like, listen to me. I'm trying to tell you what you're doing and you're not listening. You're putting it back on me. - She thinks I take her. - Ari missed it. She wants to start and make him about me. But really, it's just a debate. Like, we just debate, like. - Well, listen, I wouldn't be too concerned about these things in the past that are turning into a relationship that things have been better. But I know for a fact, just from looking over from what Devin was telling me, your biggest fight was from a few weeks ago. - Yeah. - So that is dramatically concerning. Was that before, after Dearing Divorce Paper? - That is before and right after. - Yeah, right after I printed it. - Then that is what interests me. That's what we are today. Tell me that what the fuck happened. - We're just pissed at each other, right? Do you want to go where you want me to go? - Okay. - Dude, everyone in a relationship gets pissed at each other. Not everyone in a relationship puts hands on each other and starts seeing red and throwing people around and then backing off and saying, "I wasn't that bad, come on." - And you know, every time I get into a conversation with my friends about it, they're like, he's kind of abusive. You need to leave and I'm like, he's not. - Well, now you're seeing it. - So I feel like I'm starting it every time. - So she takes shit to her friends, what you shouldn't do. - It depends the escalation. I mean, if you start an argument, but it gets physical on the other side, that's not you starting something abusive. So you know that, right? But yes, if you lay hands first, that is you starting it, but if the other person escalates it to more physical violence, it's still wrong on the other end. - Yeah. - So what do your friends say it's abusive? - They tell me that he isolates me, that he allows things to get too far, that I deserve better. - He isolates you, what's their argument there? - So I barely have any friends. - Well, these are your friends you're talking to, and they say he isolates me, why did they say that? - Well, because like any time I go out with my friends, it always turns into an issue of, oh, don't spend any money. When are you coming home? And I feel like I can't ever go out anywhere without him being my shadow. - I'm just asking questions, like just basic questions of wanting to know what's going on. - What? - What are you coming home? - Where are you hanging out with? - Where are you? - They're better not be a guy there. - Why are you going into it like that? - 'Cause I'm insecure, but I don't do it the way she did. - Why are you insecure about her being around a dude? - Well, you think she can't keep her legs closed? - I mean. - And that pisses me off. - What that's insane? What is that reaction for? - Do you think I'm a whore? - I don't think you're a whore. I think you do whoresh things. - What? - Brother, you have way more evidence on you for cheating, right? - No, you were able to say that. - Oh, every financial ordered episode ever. Oh my, I didn't even get to hear what happened a couple of weeks ago, but how are you saying she's a whore? - Whore ish. - What? - Ish. - If you're insecure, is it logical or not? - Has she ever, anybody else know? Has she ever ran her hands up and down somebody else's body? - Yes. - To our relationship, we went to a party. I got super drunk and a pair, I don't even remember what the (beep) happened, but this guy, we were trying to get this guy hooked up with another girl and I didn't like it. - It's not actually what you were trying to do with him. - Hey, but that literally was 10 years ago. - So it's your issue. You can never rebuild trust in 10 years. - Oh, I trust her, but. - No, you don't. - You're asking, they're saying don't have guys around. - Yeah, I guess I trust her to an extent. So yeah, I'm a little scared and I'm a little insecure. - That's a light extent. Your insecurity is not her problem, though. It shouldn't be. That's yours, deal with your own shit, man. (beep) - Therapy, what is wrong with you? - Well, she can't have friends. That is a little isolating. If you're like pestering her like crazy, that she can't do anything. Yeah, it is a little. Oh, it's not like the full isolation. Like, oh, you know, you can't be friends with your family. - Yeah, no, she makes you sound like so bad. Like she takes, let's just say my symptoms, what I do. And then she's like, how can I make this a hundred times worse? - Oh, you said there's more evidence on his side, what? - So there's screenshots. - Oh, you get two screenshots of a group conversation. Literally like six people go on. - It's in Discord. And apparently him and this girl, I don't even know what the (beep) I don't remember what kind of discord it was, but it first started off with he sent a picture of him holding our dog, and you can see the back of his head. And then I guess she sent a picture in the conversation. Yes, it is a group conversation, but they were the only two talking. - Not sure if that's why it's a group. and she does. She deleted her picture out of the chat and he kept his blah, blah, blah, whatever. And then a conversation was going on about, "Oh, are you really a girl?" And this motherfucker said, "Can confirm he's a girl "seeing the back of her head." Or, "Can confirm she's a girl. "I have seen the back of her head." - She posted a picture of the back of her head. Like, I'm not, I literally have evidence of him cheating. - Yes. No, and then it gets even better 'cause he's mind you in real life. He's not talking to me barely. He's on his phone 24/7. - That's why I brought a picture of him. - You don't talk to your wife. - I was on some other shit and she was a part of it. Like, you were a little. - I was not in that group. - Not in that group. That was a, okay, it was a discord group where these people were like able to, they had AI or some shit to scan the internet, fine. - And he's making, I just bought shit all the time. - And inappropriate jokes. Like, she's like, on 21 years old, I need to, I have to go babysit someone and he's like, "Oh, I've seen this before." And I said, "All group conversations." - Yeah. - I'm on duty. - It's a group chat, it's frowned. - Yeah, but the thing is is like, you're spending more time talking to these people - Okay, now that's an issue specifically. Well, okay, not about the girl. It's not about the girl. See, that's where you lose me. That's where you lose me, man. I understand if you have an argument that you want him to focus more time on you instead of the friendship. So that's the same argument he's basically having as well. You're being weird with the girls in the group chat, or girls in the group chat. And he's being weird with you, not being able to close your legs, even though you touched someone's arm 10 years ago. You guys are both insecure (beep) and freaks. - That's not the only one. - Okay, then give me something to add that actually matters. - There was another time I was at my friend's house and this is gonna make me sound crazy, but I logged into his Facebook and I went to his activity log and he had done, went through this girl's profile like all her pictures. And when I said, "What the, are you doing liking this girl's pictures like this?" Like your spam liking her. He said, "Oh, that was my friend. He had my phone." And he got on my Facebook and went to some random girls' Facebook and just started liking everything. Like what? - You ain't ever do some dumb shit like that when you were like 18 to a buddy, like (beep) a buddy? I didn't do it. I mean, they didn't do it. - I'm a grown adult. - 'Cause I'm working in a factory, like a hot ass factory. There ain't shit to do by drive forklifts and mess with each other. So he's like, "Man, let me see your phone." He had like a cricket phone and he had no minutes. So I let him use my phone to look at Facebook and he gets on my Facebook and goes and likes a bunch of pictures on some girl that he knows and my all would have been. - Hmm. - Yeah, but I mean like, how can I defend myself on that if I can't, I mean, I can't believe it. - I can't, yeah, exactly. - No, I don't believe it. - Did you ever talk to the friend? - No. - No, why would she find evidence? Like, she's just gonna make her beliefs stand on them and make them a hundred times worse. - But that's weird, right? That's weird. I, it's, it leans towards weird, but it's not like a gree just. I mean, if you've seen the kind of shit that people actually do to each other. I don't know. Let's show them a 10 years ago. Yeah. Oh, it's 10 years ago. Like you said, 10 years ago. It was time. It doesn't matter. Time don't matter. It's just a liking thing. Wait, huh? Yeah. I don't think what either of you did is that pick of a deal, dude. But why are, but no, no, no, what is a big deal is both of you crash out about it. Yeah. It's insane how you treat each other and the insecurities you guys have. What the fuck? You make it each other's problems like crazy. I really am not that insecure with him. What? No, I really not. I really not. It's because he's always like your eating. You can't be with men. You can't work out of jail. You see, why are you saying that? That's crazy because you touched someone's arm 10 years ago. You're accusing her of being a cheater. I work. She can't have jobs. I didn't have a problem with jobs. I had a problem with the job. No, he has a problem with the job because what's the job job was working out a jail with a bunch of dudes who didn't want to done. But they literally had a running bed. Oh, he was going crack her first. Here's a question for the gooners out there. 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No, I'm not friends with him. She in mates. Inmates get out of jail. Wait, who has a list of deputies or the inmates, C.O.s. Yeah, that's crazy. Yeah, she had inmates. I wouldn't want you to work in there either. I do not add any inmates on my Facebook. That is illegal. I wouldn't like it. I wouldn't want you working there either of all your co-workers. What's making the most money there? Yeah, but it was like everyone you worked with was taking a bet on when they could see you. Nobody. I did not know that was going on. Yeah, she did. You just admitted that to me. Shut up. How do we find out about it then if you didn't know? Because I posted something on Facebook talking about this guy keeps trying to add me on Facebook and how it's embarrassing that he keeps rescinding his friend request. And then these girls that I worked with were like, hey, by the way, they definitely had a bet going on on who could crack first. And that's when I was like, what the fuck? Yeah, then she told me that she already knew that because I don't know if you told me that to try to hurt my feelings because it was already, but you told me you already knew that. I didn't know about the best. It's in my tics that you already knew that. I didn't say I already said you enjoyed the attention. No, I, okay, let me pause there. I said I knew there were men at that jail who liked me in that way. And as a woman who's very self-conscious and low self-esteem, yeah, a little bit of attention. Yes. So a little bit of attention is nice a little bit. I'm not out there like, oh my god. No, it's nice. No, it's fine. I think attention is good. I think about a bat crack, a bat crack is kind of a crack bat. Yeah, that's crazy. That is crazy. Yes, it's good to get attention. And I also don't know why they chose the fat one to be the crack bat, but no, you're a beast, but not super obese. No, not morbidly. No, it's good. I'm not like saying that in terms of it's like, aren't you feeling, but like, let's just, I would say it to a man. We should say it to a woman too. You're a beast. I'm obese. Okay. Very good. Equality. I'm not, but I'm not like beating you over the head with it. That's the only one Facebook. She's got like six Facebook. Okay. I don't have six Facebook. I have six Facebook. I have six. Six. Six. Six messages, four TikToks. I don't even know how many snapchets. One main Facebook. She claims she don't have Instagram, but she literally has Instagram on her phone. Okay. Instagram is from my high school. Literally, I have not posting anything. I don't even care about the single Instagram. Multiple snapchets is freaky. I do not have multiple snapchets. Why do you say that then? Why do you say that? I don't know if it's true or false, but she has many of everything. So I don't have many of everything. So just accusing baseless. Yes. I have two other Facebooks. One. Why? Why and I made because when we were going through issues with somebody, I was blocked on my personal Facebook. You're free. Just talker. Big time. But we won the case, didn't we? I don't remember. Yes. There is a case. Yes. I can't go into it. But there is a case. That's where the drama. Persons page. And I was getting information from that false Facebook. And yes, I still have it. And then I tried to change my email on my now Facebook. And apparently I made a Facebook back in middle school. And now we have a TikToks. Like that is weird. Multiple TikToks. That's accidental. Because every time I've been logged out of TikTok. Multiple Facebook. Multiple TikToks. Maybe multiple snapchets. No, but we'll see. - And I've tried it. - Listen, I swapped for my iPhone to Android. Now I'm like, damn, I gotta get back on my TikTok. - But you've had it. - I gotta log in on my TikTok. - And it brings up some shit she'd have made. So I'm like, damn, what information is even on my TikTok? My email and my phone number are tied to two different fake TikToks that she's made. I can't even get my old TikTok. And when she leaves the house or does all this shit or whatever she's doing, she cuts off her life 360. So I just can't see where she's going. - What? - Yeah, 'cause I'm mad. - Okay, now that, see, that does get a bit sketchy. I'm sorry. - That's spiteful. - I'm like, listen, I was fully on your side for his, he was being incredibly insecure. And I think I'm, I probably still on your side, but it's getting a little more weird. She's creating. - She's turning off life 360 when you leave. Last time that happened, that episode's not out yet. Probably before you guys, but every time she did, she was getting railed. - That's what I'm saying. - I'm not, 'cause I'm leaving. I'm turning my little shit off. - Why are you turning it off? - So he does not follow me. - I'm not going to follow her. I'm in all of the kids. - I do want him to be mad. - I mean, I never want a three-year-old. - Whenever he pisses me off enough who make me leave the house, I'm in the mode of, okay, now I'm gonna hurt you, 'cause you hurt me and you're not listening to me. So I turned my life 360 off. So that way, he is at home thinking. - What? - Whatever she is. - Are you playing games? And what healthy marriages games gonna work? - It's not, it's not gonna work. So. - You think he's gonna follow you? - Yes. - I'm gonna wake up my three-year-old. That's dead of sleep. Dress him, put him in a car seat, and then follow her. Like, so this is always in the middle of the night? - No. Last time I left, it was in the middle of the day, and I literally was texting him. - No, last time you left, it was in the middle of the night, and you wound up, it damn like Jack in the box parking lot. That's why. - I was going to check out. - Is she carrots? - No, I was sleeping. - She said, "I'm not coming home, I'm going to check in the truck." - Yes, I went to the parking lot. It's a well-lit parking lot where it's a lot of, like, peace traffic. - Who the? - Does this? - Because I didn't want to be home. - Her ass was eating Jack in the box, and staying, telling me she wasn't coming home. - Hey, I'm home with a shit ton of Jack in the box. - On everyone's favorite hamburger show, Fat and Fatter, we did Jack in the box, and it is, honestly, the best restaurant I've ever had. - Yeah, that's true. - I got a lot of good shit, but anyway. - So I get that. Don't get the sleeping in the Jack in the box, nobody does that. - It wasn't in the Jack in the parking lot. - It was, it was next to it. - That's the weird Jack in the box, people get a motel. - Hold on, I got a picture. - You have friends, you got them money. - No, I don't really have friends. - Then how are your friends that don't exist telling you that he's abusive? - Because I have them online, exactly. - Because we had a fight about a chicken coop, and that's the one that she had. - What are we talking about? - We live in the country. - Two weeks ago, this is the recent fight. - The big fight was the chicken coop. - Yes, well, this is one. - Okay, yeah, sure. - Let's get back to the fight. Oh, you guys are all over the place. - Whoa, what chicken coop? - She feels like it's the most serious, because one time only, this is in 10 years, I left and went to my mom's house. That was a huge mistake on my part apparently. - Why? - Well, I don't know. - She can talk to her friends about me, but I can't go talk to my mom. - Okay. - He can't go to his mom's house. - My mom was a mile down the road. Like, it's not like I, like, just took off. You know, I go to my mom's. You already been to my mom's by that point. - Yeah, I already-- She already been-- My mom was a fright, literally a fright, 'cause she told her, "I can't leave dinner in the car. "I've got a gun in the car." My mom was literally scared to show-- - Whoa, whoa, whoa. - She was using that gun on me. - Oh, wait, what was happening? Guys, what the fuck? - Oh, what happened? That's what I'm trying to think of. - Why would we fight? - Step and let me talk. Okay, so we got into a fight. This mother went to the store and bought me chickens to make up from the fight. We don't have a chicken coop. We don't have any chicken food. - We don't have-- - Was I asking for? - For years. - Oh, okay, so it was at least something-- - It wasn't a random. - It was pretty fucking random. - It was-- - But it may have been a random time to buy it, but the purchase subject wasn't random. - The person I go inside, I go to sleep, whatever. We wake up the next morning and stuff happened, and then we went to the bathroom. - Oh, what happened? - He started to have sex with me and I kept telling him, "No, no, no, no, no, no." - Oh, shit, literally. I swear to God. - I-- - You want to? - What? - Go ahead. - What? - Go ahead, and I will follow. Go ahead. He finishes whatever he's doing, and he's like, "Wait, were you even into that?" And I was like, "Shit, no, I wasn't. I was telling you know the whole time." - She told my mom I was-- - Yeah, I sure did. I sure did. - I find that as-- "Consensual, non-consent" is her favorite thing? - No, it's not mine. - We didn't just jump straight in. I didn't jump straight into it. - When I never said, "Hey, let's have some C and C." - Basically did. - No, I didn't. I didn't say anything, but no. I don't want to have said. - That's not how I started with us cuddling, literally for like 20 minutes, and you kept bouncing your ass off of me. - No, I wasn't. - Is that not always turning to six when you're calling? - I literally woke up. - It typically is implied consent. So that's what it was. - Can be removed at any time, my friend. - Well, but she-- - But Sansi complicates that. - It's hard to read. - N-C-N-C is a say for it, typically. - Yes. - Did not have a site for-- - Did not plan it. - No. - Do you have the plan? - That's relationship to relationship. It depends. What did you guys discuss and agree as a whole? - Nothing, there was no discussion. It was just-- - Okay, so that is confused. - We're spur of the moment. - And I would have probably clarified personally. - I mean, I'm literally kicking this man in the chest, kicking him off of me and telling him no, no. - That's what I realized. - I agree, to when I realized. - But well, she said you finished. - Yeah, but that's when I realized. - After, after, he finished and then I get up and I'm going to the bathroom and he said, "Oh, were you even into that?" - Literally, this 10 years has happened one time. That's how I know I'm not aware of this. - I bet you're right. - 'Cause Sansi, it's like you know they're into that, 'cause there's discussion. - Because we've, I mean, usually-- - We've never done-- - We've never actually played out a Sansi. - Yes, we have. - No, we-- - Then what-- - Then what would you have-- - Nine times out of 10 is aggressive. So, I mean, there was basically the same, but different-- - So that happened-- - What made you do that so different that morning? - Another thing, every time that we've gone to sleep, mad, we'd literally wake up in a good mood, fine, ready to start today. - Yeah. - Okay, so I'm thinking it's the same damn thing. I literally get up, take care of the dogs, come back, lay, cuddle up next to her. - And it was like 10 minutes of ass bouncing. - No, I never was. - Which is a pleasure. Which, despite where Reddit and TikTok and-- non-frontal load developed, I think, is an actual form of consent. However, consent can be removed at any time. - I just didn't realize it. - Well, I'm sorry. Kicking and saying, no, I don't want to is removal. And Sansi, like you said, nothing was established. So, Sansi is great, but there's clear things that need to be established first. If it's always Sansi free, you Sansi, that's where there's like a safe word. - And that's where we-- - You didn't have that because you guys also didn't establish that you were in free UCNC. It wasn't CNC any time. - We weren't professionals. We just thought we was, so now, now we know. - Now I know. - Now you know, I mean, it is complicated. The reality is you technically did spur, but for her to 10 years, one incident, and then her to go to my mom's house and literally scream at the top of her lungs in a neighborhood that-- - It turns to be very clear. So, it was done. - It was done. - It finished? - Well, he finished. - And you immediately got in the car and drove to his mom's house? - No, I got in the shower. And he decided to come in there while I was taking a shower. And he's like, you know, what's wrong? And I'm like, I'm still pissed because of everything that happened last night. Like, I just injured myself. I just moved this big ass fence tried to, and you, as a man, stood there and watched me. You let me do all-- - I was letting you finish, get it, whatever though. - And because I said, as a man, you sat there and let me struggle and not help me because you were in a petty ass mood about because I didn't-- - You bring the shed down. - Yeah, I mean, it's not the greatest. It's not as important as what happened that morning, but go on. - So, and then I did bring up the whole-- And we just got to argue in. And then-- - I mean, you did-- - Just crazily. - I mean, that is the actual word, but like if-- - Who goes 30 years, it just becomes all of a sudden, with their wife, they've been together for 10 years. - 'Cause the wife can say no. - Yeah, but I didn't know. - I know, it's more complicated than Reddit and Twitter will allow it to be in TikTok, it is. That is technically what happened if we're black and white, and yes, it's more complicated, and it's-- I mean, again, if you guys like moved beyond it, and you had like a corrective talk afterwards, like, yo, that, like, what the-- - Yeah, and you guys moved beyond it, then that's okay, you guys could do that. - But it is technically still something that happened, but I shouldn't carry that label for the rest of my life. Probably not if you guys have like moved beyond it, right? No, I agree, but let's also acknowledge the fact that that is actually what happened, probably. - Yes, and in that moment, that's how I feel. - And yes, complicated, more complicated than the black and white that the internet will allow to be. But you did not want it, correct? - Correct. - You were kicking them off. - Correct. - And he kept going. - He kept going. - You're doing launch, but you guys are in a relationship. If you guys have established that, okay, there was-- it was complicated. I didn't know. We've had CNC discussions and, you know, we failed that obviously setting boundaries there. Okay, let's move beyond it and here's real rules. Okay? You guys do that? No, we're not just gonna stay here and just keep beating you for the rest of your life. - Yeah. - I may have been-- - And we thought if she wants to, she can. - So yeah, I can't tell. as I sort of-- She started telling me anyway. So I was in the tower and he he was like blah blah blah blah blah. And then I was telling him A B and C. This is why I'm mad at you. This is why I'm mad this morning you as a man stood there Let me do all this you didn't help me. I think that's wrong on your part and then he don't see this and that makes me almost think maybe I mean, I'm on the side that I probably was but damn I thought we would move in but like was it if the thing She's even more upset about is the fact that she didn't help her move something very good I'm gonna fence it and not make a conclusion So I literally just said that while I was in the shower We were talking about the sexual thing and then I was also telling him like this is why I'm mad at you He got mad. He said well, you're useless. I got mad at that and I slapped him and then he pushed me You physical art. Yes, I did start it. You started. I started like was this like a was this like a Yeah, it was it is that's crazy You're you're you're abusive. That's our labels. I mean yeah, you're an assaulter. You're an abuser. Yes He called me useless and that like In person working in a prison if you like can't control yourself like that Well, I don't have interactions with inmates like that. Okay, then okay, it's better than yeah Okay, go on go on, so you hit him and then he pushed me I pushed him back and then he Pushed me up against the wall and to get away from the situation I bit him on the chin apparently so hard What is he pinning you? Yes, I'm trying to control her like stop no I kind of understand what you're doing, but she reacted that way because she felt pinned So yeah, so how come every time I try to leave the bathroom you throw shit at me like every time I try to walk away twice Try to walk away. I get shit. Don't I mean that's why I don't care as much about all this if you guys didn't say there was a kid There was once our son walked in that's why was a kid. Yes, there was a kid. He's dead. No, he's alive Oh, I see what you're saying. There is a kid. Oh, okay. Yeah, one kid. We forgot with that But well, there's one kid two kids one wasn't home. No one was home. She literally Guys's relationship. How many kids are there two two? Okay, what are the ages three and 12? Okay? It's not hers It is, but it's not no, I I understand I All around town I get it. Yeah, more young one is what it is Okay, so okay, you got away after biting his chin, I guess and then our son came in and I literally just had the biggest epiphany where I was like What the f*ck are we doing? Yeah, you guys are saying do you know hear this conversation so far if how crazy your guys Yeah, so I was like get away from me, you know, we got done. I gathered up my stuff. I gathered up our son I went to his mom's house like leaving. Yeah, like leaving. No, she was going to pill on me No, I was trying to leave we were it was such an escalated situation that I knew the best Result would be one of us leaving so I left into his mom's house Okay, I went to his mom's house as soon as I got to his mom's house his mom's on the phone with him I am still in like a panic mode like I'm still high anxiety like freaking the hell I get up there and I'm telling her like are you on the phone with him and she's like Yeah, is he he already told me everything that happened and I'm like well did he tell you that he Me and then she's like, I don't know baby. I don't know what to do and I was like it's fine I'm leaving it is it is hard to put someone in that position Yeah, the middle of like nothing like she had no idea what was going on. I literally called her like yeah, I think I think I mean Kylie and about to get a divorce and for what it's worth based on every conversation I've had on the show where people over sensationalizing anything. I actually actively take the step of not believing all It's really sad actually, but it's it's really pathetic what people have done since me too or I really want to be on the side Luckily, I am 100% in your side because at least you guys agree on it But the thing is when I ever get the full picture. It's just like someone like grazed against someone's hand and they got That's why earlier I was saying whenever I'm just seeing that as like it's fair that your mom was like kind of like whoa Okay, I don't know yeah, but in my mind at that time, I was like there's no help for me here So my mind went I have no help if I were to leave this situation today. I have Yeah, it's scary no friends or family. Yes, you're a loser You're a good girl. I know this is a hard this is a hard moment. I know good girls crazy I So anyways, I was like I literally have nowhere like I Don't have friends. I don't have family So I don't know But you have Caleb hammer. I do have Caleb hammer and you could have come to the studio and we would have laid out for you a double-air mattress Hell yeah, the Ashley brand Anyways, so I was like well, I don't have anybody. I don't have friends. I don't have a mom So I You been and deleted like I went from like 1500 Facebook friends to now I have 528 Okay Quite question. Yeah, and all that cuz I was like I'm feeling sad My mom what is with the what is with the rural Americans and they're obsession with how after okay? I mean let's be clear got First instinct to lead on my friends on Facebook Like what is with you people in Facebook like why is Facebook like like what are you it's cuz I had my mom I had my family on my Facebook Okay, but there's so many things to do before deleting friends like go to a hotel. Yeah, well on broke Yeah, but I mean are you guys joined like you said everything's in a time you could have taken you could have spent money Okay, okay, so what happened then at the end of that thing is that when you printed the papers? Yeah, okay Well, I think fair took us 45 minutes to get and now I understand why you opened like before he films with that because It's crazy how much context actually deliver something you wonder why we spend so much time on And you know people context. Yeah, it actually does matter even if it's springer and anyway, so yeah I deleted everybody gave him the papers. I said listen. Do you forgive him for what happened? No But we shit cuz I was gonna say don't cause him any real life consequences cuz I was expecting her to say yes Never mind. No, no, I don't and he knows that I don't I don't agree with any of it I don't want to be together. I do want to be together because so when you said here's the papers get your shit together What can he do for you to not divorce at this point? So I told him Since the very beginning of our relationship I've been telling him you need to go do a doctor. You need to get on medicine. You have anger issues. You've gotten anxiety issues Or you hit first as well though. Yes, I know I have my issues, but he can attest I've I have gone through leaps and bounds To fix my shit Have you guys been to therapy together? Yeah, yeah once for and one visit he said he didn't like her She gave me a bunch of damn print off so I was supposed to do with a print off. I mean maybe I don't know here. Okay. Here's the here's the thing I'm blessed enough to be able to offer this now Cuz it is hard to offer therapy and therapist and this isn't like a sponsor of partnership I have my own personal therapist that has helped me with through with things and another we're getting kind of to the end of our process, you know You know, I started having a conversation. I was like, I wish you could help people like my guest like it is like, you know what? Let's do it. So I'm gonna pay for you guys to go to my own personal therapist. We keep him anonymous. We call him Dr. D on the show He's really good. He's not an enablement therapist, which I swear like 70% of them are these days You'll tell you to shut the fuck up and you'll kick your ass verbally, okay? If you guys suck So you got clearly you guys need help, but do you you want to stay together after all this like yes because Literally he's my best friend like he's been there for me through a lot of hard shit I I've never had a friend some of that hard shit though He has but he was with me when I went through Like leaving my family completely and that took me months Okay, I've seen people spend thousands of dollars trying to lose weight and the only thing they lost was the money from Jim Memberships to suspicious powders everything that fails becomes a recurring cost that gets bigger and bigger Kind of like you if I needed an idiot-proof weight loss plan that shrank my waist instead of my wallet Here's where I'd start weight loss by hymns is designed to support you at every step of the process And now hymns offers access to an affordable range of FDA approved gel P1 medications Including the wigovi pill and the wigovi pen so you can lose the weight and finally keep it off with wigovi at hymns Lose up to 20% of your body weight when combined with diet and exercise it helps you regulate your appetite eat less and keep weight off Plus wigovi is the first average LP1 pill for weight loss So you don't need to worry about needles just connect with the license provider online to determine if treatment is right for you If prescribed your medication is delivered right to your door no insurance necessary ready to reach your goals Visit hymns.com/hammer to get a personalized affordable plan that gets you that is himns.com/hammer hymns.com/hammer Weight loss by hymns is not available in all 50 states Wigovi is the registered trademark of noble noris as to get started and learn more Including important safety information Wigovi clinical study information and restrictions visit hymns.com I ever feel like AI is that one intern who says I got it and then immediately crashes your entire system Yeah, same But your competitors, they're already making AI work for them. 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Then I hope we can get you guys together. Let's get to these finances and I have a feeling we're gonna learn a lot more about your guys' floors we go on. I just need to start getting through this stack, shit. What do you guys think your household financial scores today is zero to 10, zero being the worst 10 being the best. - I got a 2.8. - I would say zero. - All right, if you wanna figure out your score, sounds like he did, go to kalehammer.com, take the assessment, it's free. Figure out where you stand in detailed categories. Check it out, kalehammer.com. And if you don't wanna be like you guess who on something I'm gonna show them, make sure to download the dolewise budgeting app. It is the best budgeting app for the average American. It is so good. Check out a free trial, see if it works for you. Most people take the annual version after that because it saves nearly 50% on your money and you get the physical version of my 30 day meal plan signed by me, mail directly to you and the digital version of the cookbook as well, guys. Check that out, dolewise.com, just download the app or go all those links in the description below. - Okay, his mom's credit card. Okay, why are we carrying about, why is this here? - What am I doing with this? - His mom's credit card. - Not really much to do with it, other than, what does this have to do? - I don't feel like, that's what I'm saying about her income. It's not right because we don't have enough money to pay everything, so my mom gives me her card and I use it for gas and grocery. - You're 30 years old, your mother gives you your. - My network. - credit card to get gas and groceries. - I mean, we went from making six figures to nothing because she's in school. - Okay, what is the six figure situation? - When she was working. - What were you making? - We were great. I was making another 60, so we was probably like 120. Okay, and we stopped that to go pursue nursing? - Yeah, so I could further. - She was already a nurse, but advanced. - Well, the thing is, once she's done with her nursing school, she actually works in your guys together. You guys are gonna make maybe even upward of together 200. - Yeah, and I'm going to nursing school too, so. - Really? You're gonna be a nurse? - Yes. - You can't see it. - Isn't that crazy? I told him he would do great in corrections. - Yeah, maybe. - I don't know, she won't make it into that moment. - It's not in a women's prison. - We don't have a crackbell, me, you know what I mean? - Shit, you don't wanna be in the women's prison. They'll getcha. - He'll. - Them. - No, they will. - Them. - Crazy. - Oh, okay. - Crazy. I don't know why we're beating a day horse about being there. - I mean, I've been a drug dealer, I've been this, I've been that, but I ain't been a. This has been a $600 balance. This has $600 a month. What does this mean? What is like this mom's credit card? What do I put? - That's most of our groceries and most of my guess. - What's the balance? What do you owe her? - I don't know her name, she said I don't know her name. - Oh, come on, and she does $600 on her own credit card a month, and you give her nothing for it? She just pays for all this? - No, he pays. - For right now, yeah, I'll get her back. - But how much we don't know? - And we don't count amounts, like, I'm gonna get her back. She got me back in what way? - Probably like gifts or something. - What do we do? - So what do I put down for this? - It's not a dead, it's just what I'm having to. - But $600 a month, she doesn't give it to us. - Actually, it's $1200 a month. - But as she does, she pays for our son's daycare. - $1200 a month. - We can afford it. - Is that $1200 a month? - It's $600 plus $600 is $1200. - A month? - See, this is where I'm the only one that takes home the finances and I get-- - Why aren't you participating? - Because I, 'cause what? - Look how frustrated he's getting. Anytime we talk about finances, he gets frustrated and I don't understand what the hell's going on. - I'm just talking. - Okay, tell me, how do we do the finances in this house? Guys, give me some insight. 'Cause clearly, it's a mess. Obviously, you're not a part of it, but just like, what have we tried to do? What's happening? - He, I'm sorry, he used to do it all the time. He's kinda stopped being as responsible. So you're kinda seeing like a role switch with us where I'm kinda taking over the finances more. - So you're getting in? - I'm getting in, like I've got to exist. - And he's allowing this? - Yeah. - Yeah. - Okay, so what's the issue? What are you talking about then? - Be cut. - I wanted to help the whole time. - Why wasn't she? 'Cause she just didn't know. I mean, she grew up where she didn't have to worry about finances or money. So like, it stressed her out. So I didn't-- - Yeah, it intimidated me. - So I just let her be, you know, whatever. - But I'm not also, I'm not going out and spending a bunch of money. Like, if-- - Yeah, no, no, no, she don't want to spend money. - If he's like, we don't have any-- - So you're the Spender? - Yes. - What do you spend, why? I don't know, coping against-- - Are you holding him accountable? What's happening? What are the conversations around the spending? - I see bills are coming up, I can't see his bills, but like, my debit cards-- - Wait. - I thought you guys said you were combined. - We are combined. - You don't have to-- - We are combined. - You don't have to see his stuff then. That doesn't make any sense. - 'Cause the way the app is set up, I only have my stuff and then he has his stuff. - Can you see her stuff? - No. - We can't see each other's credit cards, obviously 'cause we're not doing anything-- - But isn't that managing for spending though? How can we budget if we don't know where our spending's going, guys? - No, everything, don't we want the checking account? Just checking, but you're not seeing what the spending is, what the categories are. - Well, I know what my categories are. - That's the-- - I don't know where hers are. - She don't ever leave the house-- - She don't ever leave the house-- - She don't ever leave the house. - Yeah, that's another thing. I never leave the house. - Is it the point for us budgeting? Together is knowing where the money is going. If she can't see it, how do we know? - Yeah, I get that part, it's true, but-- I mean, what is she gonna look at? Like, I bought gas. - Maybe, she wouldn't know-- - But she wouldn't know? - She wouldn't care. - She wouldn't spend-- - Like, hey, why did you go to Walmart and spend $50? - Four days in a row. - Because I'm picking up groceries on the way home. - Yeah, I'm gonna cook when I get there. And I grab a monster truck if I got a new one. - I literally have no idea what his credit card amounts are. I know that my credit cards, I have one that got a little high and I was like, freaking out, 'cause I was like, oh my God, I've got student loans, I've got credit cards. I'm not gonna be able to do this. And he's like, 11,000, those are rookie numbers. - Oh, that's a lot, it's like rookie numbers. - He said those are rookie numbers. I said that ain't shit on mine that we're literally living off of. So don't stress about it, it's fine. We have to do what we have to do in this moment until we graduate. - What the fuck? - So I have an Excel sheet for me. It has almost-- - It's not gonna work just to in half. - Exactly, and she just made like two, she just made like two weeks ago. - No, I made it like-- - She's like, she's been on financial top of the world for the last year. - No, I have, no, I have not. But I have recently been more serious about it. - Yeah, she has, recently, very recently. - Yeah, listen, nothing that anyone does when they know they're coming on financial, I believe you have to come in on financial out of the house. - He started doing all that before he applied. - What did you guys apply? - Like, not even a month ago. - You said you were starting to do this two weeks ago. - That's right. - She might have been a day in advance. She didn't know, but she did start. She started before, but-- - Okay. - Then it doesn't really count to me. Okay, so the mom thing, do I put that anywhere? What do I do with that? It's just more of like a, I feel, for having to do that. - You should, to be confirmed. - She spends $1,200. - $1,200? - You do nothing in relation to that. - No, he-- - In relation to that. - He has. - Oh yeah, yeah, yeah. For Diker, she does that. - By like a quarter of the groceries, a quarter of my guests, and she doesn't throw-- - No, no, no, no. - But of the $1,200 you don't have to give her any pennies towards that. - And she doesn't give. - I got a borrow, I have my borrow key. - Oh my gosh, okay, you're not understanding my question. I'm just trying to note, how much I'm putting down for like, minimum monthly payments and shit. No, no, just minimums. She spends the $1,200 and you give nothing back. - Correct. - I'll just put the enough-- - Thank you, so I'm just gonna cross it out for-- - Because it doesn't even matter, 'cause when we get to your Navy Federal, well, you took it from $9,000 to $21,062.76, because you purchased $11,000, $681, and only made the minimum to payment anyway. So what the fuck are we doing? - I don't know. - The minimum now is $429,015, $220,000 of interest to crew, what the fuck? This takes 32 years to pay off. - That's why we don't have money when I work my ass off. - Your kids will be approaching the 40s and 50s. That's where you'll be in life, 'cause all you do is the minimum, it's basically maxed out, what the fuck did you do? - I lived off of it, we had to live off of it, 'cause there was not enough money. My check is consistent. - You push her to work more? - I try not to, I try not to-- - You might have to. - Well, I feel bad, 'cause I won't hurt to do good at school. I won't hurt to have her time. - But you have to pay for the bills, I'm sorry. - He does, and I do, I go when money's getting low and he's like, hey, enough. - If you had too grand a month, it's not it. That's not her salary. This was 11,681. - No, however you got for her salary, like that's not it. Like it's literally what I said, like 600 is the average. - No, it's not. - 'Cause there could be a month or a winning. - I literally will go through and work shifts left and right, back to back, so that way we have a bunch of money. And then he'll say, he'll tell me while I'm working, like stop picking up somebody's shift, stop working so much. - Why would you say this? 'Cause she's a goddamn hyper folk, whatever the hell. Anyways, she'll go, she won't work for like three weeks and this should just be like, okay, I'm gonna work Monday through Friday and not give myself any time to do school work. I'm like, that's so stupid. - Usually do that after I take my big test, then I'll crank out shifts. - And then I'll do anything for a month or so. - So then the last few weeks that I have to study, I'll have to do that. - I have time to sit home and study. - But doing it that way. - Oh my gosh. - How much insight did you have in the him spending all this money on the square card? - We're living off of it, how you don't know. Like, I you know we ain't got no money. Where do you think shit's coming from? - Well, I didn't know that's where it was coming from. - What's the rule king farm supply? - Oh, that's chicken shit. - Okay, well, he spent $202 on chicken shit. Well, I mean, I bought the chickens, but it's shit's expensive. - I wish, I mean chicken, this sounds nice. I'd love that, but I mean, this is expensive for people who can't even afford to take care of themselves and their kids. Should we have chickens right now? I don't think that makes sense. - Well, our kids definitely get. - Via credit cards, you can't afford to. You're not doing it. They're, and then you add chickens on top. Maybe we get rid of the chickens for now. - Chickens are gone. - Chickens are. - We have two turkeys. - We do have two turkeys. - They died, you didn't give them away? - They disappeared. - No, they disappeared. - All in disappeared? - Yes, except for two turkeys. And they act like dogs. - Okay, time for the turkeys to go. - Yes, Thanksgiving, they will be Thanksgiving turkeys. - I mean, is that not like, I guess it makes sense. - Is it budget friendly? - I've been a small town in city boy. I've never been a world boy. So I guess it makes sense. - Yeah. - And you keep fanning 'em up. - Oh yeah, I'm their fan. - I mean, I just don't like how you refer to them as dogs. And now you're gonna eat them. - They're like, "Well, yo, it's comfy." They're like, they're nice, right? - Yeah, they're pretty cool. Like, if I go outside and I whistle our female turkeys, she'll call back to me. It's pretty cool. - But she. - You're gonna kill her? - Well, she's a. - She's a mercy kill. - Yeah, she's a meat bird. So if they get too old, they start having like, really bad live complications. - Like, can you walk 'cause she's so heavy. - Yeah, so. - So you got her for this purpose? I didn't know what she was when I bought her. I just bought it. - She was part of the. - I thought it was a dope ass white turkey. - Yeah, he, that was part of the purchase of, oh, we just gotta fight. Here's some chickens. - So they're nice to you guys? - Yeah, they're really nice. - They're cool. - Yeah, yeah, you should go. - I could never be a farmer. I don't want to. - I love to eat that shit, but I couldn't, I couldn't raise then kill. I'm a pussy. - I probably just dropped 'em off some more. - Taking to the omnis. We live around a bunch of minute nights. - Well, you definitely stopped from the gas station and got some energy drinks and bullshit. - Come on. - $8, what are you doing? - I see the gas that you got before that. - So it wasn't that. What are you doing? - Whatcha doing? - Every morning, I take our. - I have a morning? - I take our. I work five days a week, so five days a week, I take our three-year-old to daycare, and we stop at the store and I get. - Everyday. - Two in your coffees? - You doing? - He gets a juice. - What the fuck are you doing? - Why did a corn dog just start. How fat is this kid? - He is not fat. - He's got. - He's a bitch. - He's a animal. - God dang. - He's like a damn dumpster. - He will be fat. - All he does is run around as such. Didn't Turkey's. All I do is check some turkeys. - Great. I'm glad we're killing them. I mean, he's a big antiportem. We probably should. Maybe the kid too. Okay. You can't afford that. - I know, but. - Make your coffee home. - I don't know. - Do gamer subs if you need your energy drinks. Someone was sipping a monster, I don't know where I went. So, now maybe you need gamer subs is 40 cents a serving. Get liquid assets, especially that's our flavor, but you can get whatever flavor you want. Free samples. Link in the description below. Only with code Caleb. And then get gamer subs with the 10% discount, making it 40 cents a serving instead of these multiple energy drinks. So. - What does it taste like? - That's raspberry apple, but there's like a thousand other flavors. It's really good. - Wait, we'll do it. We compared it to like, every flavor. And this was everyone's voted favor. - This tastes like the raspberry apple. - It's kind of delicious. - We try to order a sweet tea yesterday. - I thought, I don't give a shit about your. - That's all right. - What you're doing outside of here. Shut up. Okay. The thing is, everything that you're doing with him every day that is costing you eight bucks a day, which adds up a lot. Corn bread. - Corn bread. - No, sorry. - Corn dog. - And the oven in the morning. Bulk by Costco. Juice. Bulk by Costco. Coffee. Bulk by. Anywhere. - He likes the ones from the store. - I'm sure he does. I bet he would like growing up in a household that isn't financially stressed. And when you guys get stressed, you start with an obedient. So it's like. - It's like, it's true. You are him in this house. I don't. This isn't the house of the kid. And you prioritizing that is. Prioritizing the bullsh*t of the house, getting. And vaping, we're vaping. - Amen. - Yeah. - That's not good for you. And that's expensive. 27 hours and 36 cents there. Come on. - That vape will last a month. - It doesn't matter. You're putting it on credit cards that you can't pay off. These are your, we needed this to survive. - Shit. Corn dogs and vapes. Come on. - Hell yeah, brother. - No, it's stupid. And you, Corn dogs and vapes. Big automotive, 7800, five dollars. - What did you do? - I was a motor. I was an engine. - Oh yeah, his truck blew up. - Truck blew up. - So right now we've been driving. - Wait, did you have other, I swear I saw somewhere you had other cars. - I got multiple cars. - Then why did you have to fix this one? 'Cause I didn't have that. - 'Cause other ones don't run. - I don't run, yeah. - Can you scrap them for money? - $300 pay off. - There you go. You said you have five of them, all right? Take it and throw it towards the cars. Of credit cards. - Like four. - There is one. - I'm not scrappin' to send me two shaville. I could sell it before. I was just goin' to, this was back in his florist days. He had $20,000 cash. We were supposed to save it for a house. - I did buy house. - We went and looked at a Lincoln cotton needle. And I said, hey, maybe we shouldn't get this car 'cause we're saving to buy a house. And he balled his eyes out about it. So I was like, whatever dude. And then he went and bought his shaville for $12,500 out of the $20,000 that we saved for the house. - Not true. - So sell it. Well, I don't give a shit. - Well, I don't want him to sell it because you balled your eyes out. Maybe he feel bad, so. - That's his choice then. - I've offered. - Sell it. What could you get for it? - Honestly, probably like 22. - Sell it, please. That pays off this credit card. Now, I wouldn't immediately pay off this credit card unless you close it unless you change your behavior or else you're gonna rack it right back up again 'cause it's basically maxed out. Corn dogs, man's warehouse. - Me. - Oh yeah. - Racing? Racing $300 and racing. He said they have to use this credit card to survive. - Yeah, literally. - Racing, $300, something racing, $313 to 76 cents. - Well, I don't know what racing is, but Mins warehouse, I had to pay to survive. - To survive. - And Mins warehouse? No, I had to be in a wedding. - I'm okay with that one. I'm not okay with the bullshit. When there's other cars, you can drive. - Well, I wasn't expecting to pay for that. - Golden Dragon and Taco Bell and Corn Dogs and Corn Dogs and Sonic Drive-In, $53 there. And a Patreon membership for $55. - Oh yeah, that was too. I don't know if y'all want me to plug 'em or not. - You can say who it is. - Damn, what's his name? - Oh, I don't even know. - It's that the British do with glasses, he covers everything, you know what I'm talking about. - Nope. - Yeah, you do. - No, I don't know what he's talking about. - Oh yeah, it's like a thousand channels and they're all like documentaries. - Yeah, yeah. What's the do's name? - I don't know. - Yeah, you do. - I don't know his name. - Did you subscribe to him? - Everyone knows what he looks like and he's bald. - For the Desk of Trials. - No, he's not bald. - He's like your age. - Well, then I don't know who you're talking about. - I can't think of anything. - I guarantee you, his Patreon membership does not have as much content as Hammerly does. - We did it for the David Trials. - $55, dude. - Yeah, I'm gonna get rid of it. - Still $55. - Hammerly, it's a better. - I already can have Hammerly. I gotta hit like four days ago. - That's by, yeah, it's just corn dogs, McDonald's, and bullshit, dude, this is insane. You have to stop. - There's worse, I mean. - It doesn't matter if there's worse, this is still bad. - No, I mean, for us. - It's gonna be thousands, great. It's gonna be thousands of dollars of interest this year. That is not good for your kids. - I know, Ursula. - Okay, you have another Navy federal. - Yeah. - Why not? You're just collecting them. - I got three of you. - Well, only the minimum is put towards it. - Think, no spending, but it's still at $5,386,090. It takes 21 years to pay off. Minimum 134. It's gonna be thousands of interest this year. - Wait, what's this? Is this another Navy federal? - Yeah, I got three. - If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered meta and YouTube to pay millions for the role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000. Ladies and gentlemen, I got something new to help you that we have personally built. Right here on Calebhammer.com. We have new Caleb Hammer financial resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on Calebhammer.com. We also have auto insurance now. You can check for free. And see if you can save a sh*t ton of money on auto insurance. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these programs from personal loans to car insurance to see if you can save a sh*t ton of money across the board. Go to Calebhammer.com, where they Calebhammer financial resources part of the pinned comment or description below and save a sh*t ton of money. No, what's this? I have an August monthly, what is this account? What am I looking at here? - Dude, stop barfing. - You're free. - I'm sorry, I'm gonna go shit on the water. - It's water. It's not carbonated. - That's a lot of gas stations, that's probably me. - Oh, that's when I'm living off now. - Oh my gosh, what'd you live it off now? Cash advance, cash advance, cash advance. - No, I can't. - Antiques. Corn dogs. - Antiques. - Bullshit. - Filipino market. - American Eagle. - That shit was growing. - Journey's kids. - How let 'til moon, early din stores, old Navy. Corn dogs, corn dogs, corn dogs, I think, Derek went maybe, corn dogs, Sonic again. Corn dogs, Panda Express, corn dogs, smoking and vaping, boot baring, academy sports. Toy store, $200, corn dogs, hurts car rental. This is what you're living off of. 90% of it is bullshit. You're not living, you're having fun. This isn't living, dude. This isn't being a responsible father or partner. This is being a piece of shit who can't control their wants and desires. - Most of it is for my son. - Doesn't matter. You're putting his life, he's gonna have to delay. His entire adult life, because you guys won't be able to retire and he's gonna have to take care of you. And we're not gonna have social security like we have today. - This is the way I see it. So our graduation day is next year. Mine is a few years after. But when she graduates, we're straight and we were good. - No, 'cause you're gonna have to take time off to go to school. - I know, well, no, no, no, not fully. But we were good before this. And I, I don't want him to pay the consequences 'cause he's gonna go to school and I'm, but he will. - When you guys make more money with your lifestyle, you're gonna inflate your lifestyle. That's not happens every time. Oh, who do you think's right? You guys in this situation are me who's talked to a thousand versions of you. - I don't think you talked to him a while ago. - We're going, we're going. - I was paying off $2,000 a month extra. And just, it paid just a pay off. - You're living this lifestyle where you couldn't get enough back. When you make more money, you will spend it all. - I'm dead. - Maybe I hope so. But probably not. Based on just how everyone in this situation does it. 'Cause I know for a Vector, you guys are planning on taking a massification in the moment. She graduates. - She wants a core. - She wants a Vector. - All of a sudden, that's a, that's a, that. - She wants a angel. - So where's the, where's the, where's the vacation to? Even though it's a Disney world. - Oh, back to, yeah, that's it. When's the last time you guys went to Disney? - Was it the last summer or the summer before? - Yeah, it was a couple of summers ago. We went for two weeks. - And I went to you guys back. Probably like 10,000 bucks. - I don't know. - 5,000 bucks. Insane amount of money. You're gonna do that again, exactly. - What's gonna happen, guys, that cord that I stopped using was maxed out on that trip at Ray Lobster. They come back and said I still owe like $13 off the bill. - And that's why I was like, oh shit. - Yeah, maybe federal strawberry. Metroplex there, corn dog, Wendy's, Instacarp, Pizza Hut, rural King, some strawberry restaurant, barbecue, McDonald's, it's all bullshit, guys. You spend all your money on bullshit. It's only gonna get ramped up and worse. I've seen it every time. You can't tell me it's not going to. You're a bullshitting. It's all bullshit, man. The only thing it is is we're just trying to maintain, not having to, you should have been maintaining. This is an insane lifestyle. - I'm not. - It's not healthy and bad anyway. - It is unhealthy and bad. And that's why I've been getting even more stressed out 'cause I have no idea what he's doing, but I know that it's spending all his money to make everything seem as if it's all right, 'cause it's not, but it's not, it's not, it's not. - It's not all right. - And when I was working full time. - Not all right, you have to accept that. - But I can deal with it. - No, you can't. It's all going to max out credit cards. Soon you'll be at that cap and then there's nothing to do except open more credit cards. - 'Til next year. - 'Til next year, I don't think you'll make it the next year on this trend. They're gonna be maxed out. You're gonna have to open personal loans and shit. - Yes. - I've got enough room left on that. 'Til next year, if she'll work, I'm good. - Sounds like she won't and you don't let her. - No, no, no, no. - Well, yeah, maybe a little bit. - But it's like, it's unfair because we're racking up the money. So when I graduate and I start, - But she ain't going to, she don't want to go out of the room. - And you want to get like. - I have to (beep) - Our car. - My ass off to pay all this off. - It's all bullshit, guys. Both of you need to sit down, look at your purchases and spending across all accounts and stop. We have another Navy federal on yours. This is $11,500. - You have $15,000, $11,000 a month. - She gon' see. - That's, he put that up. - I'm sure he did. It's gonna be thousands of interest again. You have another Navy federal. We have a shit ton of Navy federals. Now things are hers, though. At this one, we have $7,670 and 61 cents. They're spending on here and interest. So with the minimum monthly payment of $2.702. - I don't want to see what you spend money on. - I don't. - She got her nails done and then she got some bullshit. 'Cause nails done not bullshit. - It is, they're both bullshit. It's stupid. You, she gets them done and eats them off. - I don't eat them off. - There was nothing there. - I'm not eating them off. - I'm not eating them done anymore. I had to do them for the first. - You can't. - But, no, I'm not. 'Cause especially can't afford it. - Well, I buy shit and I get to play golf. - These are our in an emergency mode. You are. Sam's club's synchrony card. - 11 years to pay off. - Why? - Well, 'cause the balance is $1,948 since 69 cents with the minimum, you're over the limit. - See what I mean that you're approaching it. You're not gonna make it till next year. What are you talking about? - Honestly, I don't know how they got over the limit. - We have great services at kalepehammer.com. That I wish you could take advantage of, but it's not for you. You could use the carnations one, obviously. But we have personal lessons and shit. That's incredible. But not for you guys. Because every time you get access to more money, you spend it and this is proof. You shouldn't have it. It's for people like me, not for people like you. So you cannot open more credit cards to get to the end of next year. And I know this is what you're gonna do. Instead, you need to accept that you're in a bad situation and cut down on spending. That's what you really need to do. Minimum monthly payment, $68. - I tried to get a personal loan through your website, but I was trying to get it to consolidate debt. - And you shut it, 'cause you haven't taken control of your spending. You said you're trying to make it till next year. That is not the person who can consolidate debt. You'll get in double the debt. - I don't have enough income to do-- - Good, I'm glad you didn't get approved. - Good, I've all got approved. - Your interest rate was just two damn highs. - Probably 'cause you have a shitty personal loan then. That's 'cause you don't have a-- - I get to personal loans. - That's it, man. There's personal loans that are good and it's for people like me. I've always set this in every single plug. I want to create financial services for people out there like me, like people out there. I've taken their survey. Most of them are doing okay. You are not. I've said in every single plug, you shouldn't do it. Why are you doing it then? Why don't you listen to me? - Just ain't got enough money. - No, it's 'cause you're looking for more debts as be able to spend. - Whenever I did have a job and I was working full time and he was paying off debt, I feel like he never spent any money. - No, I didn't 'cause I was paying off debt. - But now-- - That's when I was spending all the money-- - You're spending all the money. - You're spending all the money. - That's really spending all the money. - So why spend then? Why do we spend when we have no money? - 'Cause I mean this, but I'm not gonna just, I can't go do, what's the other dude that does financial money? - Yeah, I'm not going into things in rice. - Yes, you should. - I mean, should, yeah, not-- - Well then, what are we talking about then if you're not gonna sacrifice anything, go fuck yourself. - I wanna sell a car, this is like my drain car. I'm cool with sacrifice, but-- - I'm not cool. - But now sacrifice enough to actually get you there. - My son won't notice a car gone, but he gonna notice if he can't handle more toys. - He's a guy named Steve. - He's three. - He has a lot of kids. He's ready for-- - I got 12 year old. - If you just go through life, and if you have any kind of discipline for the kid, if you have any kind of parenting abilities, you can get them through it. My parents did, you can, I'm fine. I thought you came from middle class. - No, not a say so. - No, you're not. - No, you're not. - I learned more. Mostly came up lower middle class. My parents are certainly middle class, maybe upper middle class now, but not during my youth. That's because she went back to nursing school. That was really good. But again, that was like, by the time she completed that, I was in early high school. So I didn't read the benefits of it. And my dad's been successful now, but that was only after I went to college. So-- - So that's where I feel fucked up, because I feel like we went from middle class down there, probably up in middle class, down to lower class, and it's hard to make that transition of life. - No, guys, I'm sorry. Not going out to eat every single day multiple times is not lower middle class. Cutting that back is not all of a sudden lower middle-- You wouldn't know lower middle class. Come on, lower middle class is your utilities get cut off. For close to notices on the house, you would not be able to get a corn dog every day is not lower middle class. Shut up, you're privileged. You're acting like a (beep) American. It's $6,768 on this synchrony card. Minimum payment made $146, takes four years to pay off. Who do you know? - No, no, no. - Okay, oh my gosh, there's so much here! - Man, I just think, isn't it? - It was for your age fax. See, if you're able to get age fax, you're not lower middle class. Shut the fuck up. - We live with no age vac for six months. - And that's horrible. That sucks. - It was, it was, huh? - $2,236 is your-- - Apple card. - Oh, 'cause I paid that off to zero, and as I said, don't use it. - Exactly, 'cause neither of you can do this, which means both of you need to do it together. Go through our Mass View Money Program, learn budgeting, learn debt. You guys are (beep) $2,236 and 34 cents. - Yeah, my Apple card gets a little crazy, 'cause I forget. - I forget my wallet. - $72 is my wallet. - It's my wallet. - It's my wallet, so I use my phone to it. - Put your debit card on your Apple card. - What if so? - And then I did that, but one day my debit card got denied. - Then you should have been spending money. - Well, I know. - But I don't want to-- - But I don't want to. - But I don't want to get to it. - Oh, that's on some weird crystal shit. $73 about what you're doing. - I bought like a tarot dick and-- - Stop, this is pathetic. - Well, I don't, I don't do that. That's, if you go through my savings, I do not spend any-- - I don't do that. I'm sorry, this was literally less than a month ago. Like, shut up. You can't do, you can't not misbehave for the two weeks knowing you're coming on financial audit and say your entire life changed. Like, shut the fuck up. This is what you just did as you were applying. So shut up, just stop, just stop, this is a cop. This is a cop. You knew in the last two weeks that you were gonna be on. So shut up. - Okay, and what did I-- - Voodoo. I'll tell you exactly what you bought less than two weeks ago. Weeks ago, voodoo, fandango, jack-in-the-box, McDonald's, voodoo, fandango. - I ran out of money. - So that's what you did. So shut up. This is cop, you're giving me cop. - I don't even know what does that mean. I've never heard that. - Cop? - Yeah, like a coping mechanism, coping mechanism. - What did you call it? A coping mechanism? - Oh, seasoning Amazon cart looks like it's his. You guys, fuck, he's spending money. No, he's not. - Yes. - The interest is a crime. - What? You were spending thousands on the other cart. - And I don't live, what do you mean? - Is that what you were telling her? Wouldn't she was trying to kick you off? - I gotta live. - I don't know what I said. - 6-21 and 7. - You were confused. - Because I thought she-- - Yeah, he thought me kick him off. - Stop. - Go jerk off of the bathroom. - Yeah, bad sights, 20, 20. - I mean, come on. The fact that you made it to finishing is kind of wild. - I literally kicked him off. - Where did he finish? - I kicked him off of me, launched his ass to the end of the bed and while he was rolling backwards, he finished. - That's crazy. - Yeah, that's crazy. - He's into it, though. You have an apple cart too and you have hundreds of dollars. - No, no, no, no, no, no. - Yeah, yeah, yeah, yeah. Oh, she must be spinning. - No, I don't even have an iPhone. - Yes, mouth. - Matter? - I'm on my way to the car. - I don't have an iPhone. - $359 and 39 cents. It's a physical card, too, dude. $50 and you could have spent it previously. - Yeah, it's probably previous. - I keep physical cards in the car. - Oh, splendid. - Splendise? - Your T-Mobile Bill and Roku. - That's paintings for her. - I have these subscriptions. - Yeah, this is a bad stuff for her. - I'll see you just get rid of your iPhone. - Oh, yeah. - So, like, who we're done? - PayPal. - Okay, yo, just $67.01, dude. Just like, pay that off. The minimum is like 30 years old, I'll play it off. I don't even care what the money is. - Your pass, dude. - Huh? - $40, dude. - Dude. - Pass, dude, asshole. - It must be. - And the late fee added. - Amount, pass, dude. - How the hell? - About $7, pay us, dude. - Oh my gosh, AT&T collections. - That's hard. - Oh, okay, hold on, hold on. - I have disputed this multiple times. - I don't care, it's on there. - Shouldn't be. - Okay, more goods. 118,865. I guess it's not that higher cost aluminum area, like I said earlier, this place is cheap. - Not so cheap as you are. - It is a higher cost, we just got a cheap house. - You got a good place. Okay, what's the, four percent? That's wonderful. What's the minimum of the payment? $1,77,77, you know, $1,118,865. - Oh my gosh. Okay, student loans. - Yeah, those, I'm just paying the interest on those. - Yeah, so what's that payment? - One is $32 and one is $25. The $25 one is a set amount, I have to change it, so I have to go back in there and then-- - So I'll put it for $57 for now. Your student loans are $21,539,47. I don't think you have to pay the interest, but I'm not opposed to you doing it. That's what I'm, was gonna ask you. So if, you know, those good payments even going towards the balance at all is just straight interest. - With it being 6.39%, I'm not opposed to her doing it, so she says it's not a make a break for your budget. You can pull it back if you want to for being aggressive 'cause there are higher interest rates in your debt, but I'm not freaking out. Okay, I already looked at your student loans. - Okay, this Navy Federal, is this one I already went through? 4,895? - No, it's hers. - I already went through hers too though. Is this an additional Navy Federal? - Like you've done hers. - Yeah, I did. I went through two of her navies. - She got three. - No, there should be one of those. - Is this an additional? - No, that should be one of those. - Okay, you get more-- - No, I should only have two. - Oh, okay. - Oh, we already did that. - I'm telling you, thanks. - So this Navy is, well, we've already got that, okay. So I think that they're not that bad off. - Well, you have Navy Federal car loans. Is that those? - I got one of you, most of them are paid off. - Uh, okay, 3,590, does that sound like one of them? You say 3,590? I'll see, this Navy Federal-- - That sounds like a credit card. - My truck should have like 6,000. - Is this Navy Federal student loan? - Yeah, they're all Navy Federal. - I got my student loans through Navy Federal. - Oh, this is an additional student loan. This is like a private student loan. - No, the student loans on here, oh, wait a minute. Were these the Mahela ones? - Yes. - Okay, so yes, I have two private student loans. - Oh my gosh. - Which I, and I have to get more. Until next year. - Yep, my coach son. - Great, or you could cashflow mostly with how much money you're spending on bullshit. So $4,895 and it's $25 a month. And then whatever this other one is, which I think might also be student probably, is $3,590. Great, so we're in the world of getting private student loans now. $31 a month there. What a fucking joke, guys. Can't Navy Federal? No, I'm back to Mahela. Okay. - The Mahela's, I don't have to pay on until I graduate. - You're just doing internships, right? Or is that the one you were talking about earlier? That was the one you were talking about earlier. - My private ones, I pay. - So I'm stopping that. Okay, I got it. - Financial aid? - Oh him. - I guessed it. - You already owe. - You owe me $27,276. - You're in school right now. - I'm in school in the world. You guys are borrowing everything. - Literally. - Okay, well no payments yet, but. - Probably will be. - Gonna jump. - So you have private student loans as well, dude. - Yeah, Navy Federal, huh? - Navy Federal. - What do you owe on that a month? $1,445 cents. - Probably like $25. - This is insane, guys. This is insane. - My gosh, okay, more debt. This is like, it won't stop. - I mean, we're. - That's why. - No, you're literally not. You're spending so much on bullshit. Do not use the word try with me. Someone's car, and no, you're not. - Yes, I mean. - You were spending on bullshit too. You're trying the last two weeks. I will never allow that in the show. - Yes, yes. - I have your account from less than a month ago. So shut up. - I mean, yes, I have. - Shut up! - Shut up! - Shut up! - Shut up, shut up! You're done. Any amount of money, it's still not trying. - Cut. - I'm paying. - Shut the fuck up! 6.29% on this car. What car is this? This is $6,130. - So 2011, Tundra. - And is this one that just stopped? - Yeah. - Yes, getting a new motor like this week. Good. You spent double the balance you owe on this, right? It's a good truck. - Is it? - Yeah, now. I didn't put it. - 4,900, you just spent 6,000 to get a new motor? - That's cap. You know, damn, I'm going to whale Toyotas. They're in a. You can find a bar on a Toyotas. - That's his KBB. I don't know, man. - I know. We eat the whale. - $173.53 a month. The interest rate isn't the worst. Oh my gosh. - What's the. - Other. - Okay, is there's another car with Navy Federal? - No. - Right? 6,124? - That's mine. - True. - Okay. - So that's this, yeah. - One on there. - Oh my gosh. Finally, through the debt. $5,000 in savings. Incredible. $67 in check in account. Corn dogs. Bullshit McDonalds. Netflix. Corn dog. Bullshit. Corn dog. Navy Bullshit. Check this out. I don't know. Corn dogs. Snaps that. We're getting our snaps now. - Oh. - Come on. - You got a streak. - Oh, you guys are so pathetic. Instead of taking care of your kid. Bullshit. Corn dog. Amazon. Corn dog. Golden Dragon. McDonald's. McDonald's. Navy Bullshit. Definitely Bullshit. Corn dog. Corn dog. PlayStation. Bullshit. Nails again. Corn dog. Corn dog. Bullshit. Corn dog. Snapchat again. Disney plus. Sonic. Bullshit. Corn dog. Corn dog. Snapschat. Okay, guys. Keep the streak up or down. - Wait. How many times are you going to pay for this? It's my business. Playstation. Panda Express. What a f***. This is pathetic. - I don't even like Panda Express. - Charming. 1,749. You're incorrect. - Okay. Panda Express is awesome. - So. - 1,18. In your acorns. Oh, his retirement. 42,000. I actually enjoy that. - Wow. - So. The check in the account. - The check in the account. - That. - I've spent since we've been down here. And just to be fair. Because we did spend quite a bit. - What are you telling me? - Well, the check in the account balance is listening. - Whatever says on there. We've spent some money since we've been down here. We get tattoos when we go places. Like we ain't never been. Or do something we ain't never done. So we got tattoos yesterday. - I got a bat. - Literally land it one night Mexican. And then left Mexican and we got tattoos. - Look at it. - So again, you guys care more about your own things than your kids. I have no energy to give to that anymore. Yeah, congratulations. Okay, very good. Is that me? Yes. You could do Is that permanent? I mean Mr. Tattoo. Oh Body Oh Body, what have you done, but does it look like you? Oh, I mean, I could tell it was me. I guess look at it Like with the glasses I wouldn't say so because of the beard Well, I went to Walmart last night. I had two people ask me why I got up to tomorrow. I'm like, that's not a Caleb hammer. Okay, and what did they say? They're like, oh, okay Sick. Okay, listen buddy. If you did that Why I'm not getting one of you back. Well, I wouldn't expect you to How'd you get one of me, man? To be fair, you were my first choice. My first choice was a monster truck. That's a good death. That makes more sense I couldn't afford a monster truck and then the why'd you have to get it at two because this is memorable It's it is there will be a video for you to Online you know, that was you permanently on my own. Yeah, so now like when he's old and wrinkled and they're like, what is that grand Pappy he's like well back when I was 30. I went on this got I've gained weight since then you made a mistake I'm gonna take me forever. There's a little double chin in there. Yeah, it's under the little beard Well, thanks to fat and fatter. We're getting to a triple. I owe you That payments not mortgage included 2,263 dollars and 53 cents Boy, that's a month a minimum monthly. Yeah, that's where your ad did you won't stop spending you pathetic warm Including on me. It's shit's not even fun. Like he's not even fine. No, it's not but you're the one spending No, fame come I don't know what to do with you one thousand seventy seven dollars and twenty two cents is your mortgage gas Like for the home gas electricity trash or water internet all of that combined how much for utilities? Three hour lecture average to 60 Okay, room from drive drive gas both of you together a month average 400 car sure and so much All together One ninety five is not bad phone bill. How much? Oh, that's one fifty. No, it's one twenty five I got it to go down. Okay Groceries. I'm gonna do 900 hours meal prep meal plan warming up meals, but you're buying them cooking a few times a week meal prep meal prep You guys are busy anyway. You should be working your ass is off TP fund anything else for you and your kids to survive 300 dollars what that is changes every single month But it's the basics. It's the necessities are there copays medical on a monthly basis. No Is there a gym? Yeah, cuz we got prescriptions Okay, just how much? Yeah, it's probably like 50. Is there a gym? No, we don't yeah, why what current pets are there yet? We have three dogs to cat or one cat and two turkeys. So probably like what 200 and feed it I'll go through one big bag roughly in a month for all past supplies and shit. How much am I 60 plus? 200 now. I don't know. It's like one twenty maybe okay. I'll do 150. I mean you guys in the middle Okay, I mean you have to get some penetrance for the dogs and can yeah my mom says pleasure. I'm gonna say 200 dollars Oh, she pays for it. Well, we know she sells pet insurance, but she said I shouldn't get it Yeah, well, then she shall sell shit penetrance It saved my ass many times. Let me tell you if they get in trouble and their life shouldn't be dependent on you being shit Okay, and Your mother takes care of some other things. Well, she takes care of groceries. So I crossed that out You can take three quarters of it out. You can put us on 300. I'll put you on okay. I'll put you on 300 So I don't have to do daycare and shit. Um anything else that I need to put in this budget that I have not You got the auto alarm in there. That's in the middle of monthly payments. Okay, then One thing's a little No, I don't think that's all of them. I'll try to give you subscriptions of 100 bucks you choose for that goes you need 5,420 dollars and 75 cents to survive. Obviously we don't make that the reality is And that's with no bullshit spending You need to make at minimum 2500 hours a month to survive so you need to go do that right now You need to make sure you're doing that if you hit that then you can stop working for the rest of the month But that's what you have to make net minimum and then that's with all your income included you guys are budgeting together You're going through every statement together and you're plugging it all into dollars Which you guys get for free forever. You're seeing my therapist and I'll pay for that Huh, and then once you find the graduate Yes, that'll help you that's still the minimum you need to make when he takes more time to school. You need to make 5,000 5,500 minimum to survive and Once you graduate school, we're talking a couple years and you can start hammering at this that and it's gonna take maybe a couple of years So with your strong income maybe a few years, but you're gonna sell your cars pay off some debt But nothing matters until you change your behavior first. You don't survive She doesn't make extra money until you change behavior because it won't matter and won't make a dent in anything You won't survive if you still spend all this money So she needs to make extra money. Yes, but you who need to reel in your behavior now your Bolsheist spending was a minimum like 2000 Minimum 2000 is more gas stations. So guys. It's crazy whether or not this relationship could be safe I don't know. You need to go to therapy. You need a budget together and you need to get your shit together You need to stop spending this money. You need to stop being abusive. You need to seek help That's what we got to do. So that's what we're doing at least until school finishes and then everything changes So but that's what I do for now because right now you're focused on survival. So let's focus on that I'm gonna call his mom in the post show and get her opinion on what happened And we're gonna see And you know that's gonna be crazy. There's always there's so much more we didn't talk about yet Let's get you him a financial score first So spending in about a year of a spend zero to 10 debt collections. You're out of ten emergency fund There's nothing so our time for this is where there is but for making up for you guys both together for your age It's still only about a four-hour time real estate. What's your house worth about two thirty five? Okay, real estate is really good So long so it's technically a risk by eight out of ten. It's basically as good as you can get Until just houses like fully paid off Which is fine. That's not a bad thing. So that's what saves you a hammer financial score two Point five out of ten get yours a Caleb hammer.com for free now join us in the financial out of post show an extra 20 minutes of this episode It's always juicy. It's always crazy three premium shows a part of hammer elite every single day six days a week It's incredible. That's why there's over 120,000 monthly active members You can join on YouTube by clicking that join button or link below or you can download the hammer lead app or go to hammer lead.com It's to say my both platforms just want to give you more options. I'll see you in the post show Well, let's see what your mom thinks. We wanted to call and they want your perspective on something They told the story about a few weeks ago when what she said is she Here's her now I don't think so I think And that's why I Said I have no help. I just launched the brand new hammer elite app available on every major platform So you can watch every show anywhere you want You'll get three exclusive dedicated shows every single day Monday through Saturday Refer a friend after you sign up and you get an additional 30 days of hammer elite access or free Download the hammer elite app by using the link in the description or pinned comment down below This is the best membership you'll ever join and that's a promise I want you to be on the next episode of financial audit right here in Austin, Texas If you think you have interesting finances with an interesting personality or a story or a life or relationship I will personally pay you to take time off of work fly you down to Austin get you personal transportation a hotel Food and we'll have a great time hanging out go to Calebhammer.com slash apply or click that link in the description below