Financial Audit's Most Toxic Husband

- To watch episodes of financial audit a week earlier, check us out on YouTube. - She always throws it on me, like it's entirely been my fault, my problem, that I'm the cause, and then all of a sudden, uh, uh, uh, no, I'm talking. Alice doesn't want to talk to me about any problems until they boil over and then we're sitting there yelling at each other. - Choose those words very carefully next time or I'm making you walk off. - You're a bad father, you're a bad partner. - Oh, at the end of the day, I just wish she was thankful and stop f***ing about everything. - Oh my god, you're gonna be f***ing kidding me. - Always. - Merry Christmas in July. I'm in a given mood, even for you naughty ones. Budget, debt, investing, real estate, all of it. 50% off right now. Not sure where you stand. My new and improved hammer quiz does the dirty work for you. Two minutes and you'll know exactly how naughty or nice your finances look. Plus, next steps based on your score. Take the quiz, then take advantage of 50% off and finally fix your finances for good. - My name is Alice, I am 28 years old. - And I'm Corvo, I'm 26 years old. We live in McKenery, Illinois. - And this is financial audit. - No one dresses like that that is not going to either mash it to school or to flash a bunch of children. It always involves kids in the end with people like you though. - Absolutely. - What the f*** are you wearing? - Oh, so this is a World War II US uniform. - Why the f*** are you wearing that? - Because, you know, reenacting is my hobby. It's my passion, so that's what I'm here to do. Show 'em. - That's what you're here to do. You're gonna reenact the military on my show. - 100%, that's why you guys got the camouflage behind me. - Okay, in which side are you reenacting? Are we killing the Jews? Are we killing the Germans? - All the above. - All the above, yeah. Really, I do every side. It's easier to list uniforms I haven't worn from World War II than it is to list the ones I have. - Stop asking questions, stop doing metacommetary. - Just have fun. - Can I see you stab yourself with a sword out of shame on the Japanese side? - Like, like Harakiria. - Well, we have them here, don't we? Don't we have some, I believe we have those swords? - Yeah. - So, all right, so. - That would get her off the hook. - Yeah, yeah. - You're the problem. I don't know if you are, but thanks for coming down. I've just never seen, and then you're wearing like a f***ing millennial shirt. What are we doing? May spontaneously start talking about falconry. - Great, okay. - I'm a falconry, so. - Animal over, through and through with her. - Yeah. - Which are 26, 28, you guys are acting like elder millennial. - Yeah, were you guys seeing that meme? - No. - So, what you guys, what you're like, that's what you guys dressed up as. Okay, that's okay. Sorry, I'm not hating you guys. I'm just noticing it right now. It's just kinda startling. That's what getting started. Alice, what do you do for a living? Up in, make a Henry Illinois, never heard of it. - I am a AP clerk, so I make sure that the company I work for, their bills get paid. - That's good, pretty basic. That'll be AI soon. Rip, sorry. What do you make? - I make a salary 25, thousand, a year. It's part time. - Ah, okay, I was gonna say, I don't think that's necessarily legal, that makes sense. What's your hourly? What's your, how many hours are you doing? How many hours are you doing a week? - It depends, I can do it. - In the contract of the salary. - It really does not. - Okay, well, it's 25 a year, right? For that, no matter what. - I can work five hours a week, or I can work 60 hours a week. It really depends. - Okay, that's normal. - Normal? - Normal, maybe about 20. - Okay, are you happy with that wage? Why are you doing part time at 20 a.m.? - I have a job home. - No, God, please, no, no. - No! - Oh, you guys have made, yes. - Yep, we have two. - We have two little regrets. - Okay, very good, cool. So what are the ages? - Two in six months. - Two in six months, yeah. - Ah, okay, so you're still able to go blast up that school before they're there. - 100%. - I don't think you should be agreeing with that, but of the 25,000 dollars a year, what does that break down to on a monthly paycheck basis? - Or bi-weekly, whatever the cycle is. - bi-weekly, I get $795. - Wow, geez, good. We're in 90s income. - Yep. - 795, you said? - Yep, good. - Some odd change. - Jeff, okay, 1590, please, Mr. Corvo, please have a decent income, 'cause that's terrifying. I don't know, but Ken, is this a supper of Chicago? - No, it's like Booneville basically. - Okay, well that helps with cost of living. What do you do, buddy? - So I work at a meat packing plant. I'm the label coordinator there. The most Chicago thing. - I'll let you coordinate the labels? - Yes. - I'll coordinate the family. Oh, you're not gonna make money, are you? What do you make? - 1875, an hour. - Okay, well at least it's not Chicago. It's more rural. - Yep. - Booneville, as you say, thank goodness, 'cause I do not know how it would be surviving. How many hours a week are we? - So 40 plus, but-- - 40 plus? Well, what's the plus? - The plus is like, if they come in the last five minutes and then they're like, oh, hey, there's a-- - Plus the average. - So let's just say 42 hours a week. - How much longer, maybe a little better than her job, but how much longer are we gonna be relying on humans to do labels? - Probably not very long, is it? - I just, I don't think I've had two people come on this show and have the most like, oh, we're gonna be (ding) in the next couple of years, jobs. - Oh yeah. - This is labels. We're talking about labels. - I thought we got rid of humans doing labels honestly 20 years ago. - No, I'm more like also regulatory, so I have to follow USDA guidelines and make sure that the labels and compliance with all that. - Oh, don't get me wrong, I'm happy you're doing it. I'm just, I bet that will be red via a camera very soon and Claude will say, oh, you're good. - They ask you how you are and you just have to say that you're fine and you're not really fine. - I hope not for the sake of you. I'm not cheering you for this guy's to be clear. I want you guys to have an ink. I would rather you have a better ink. This is like, it's very scary of what's happening. - Okay, so what's your per paycheck and what's that paycheck cycle? - So it's weekly and it's 750 gross and then about 635 net. - Okay, so 10, so do you divide it by 12? - I also do have a second job to also supplement our income as well as because that gets us through but it doesn't exactly how it's going to say, 'cause you're making net $40,000 a year. Again, for the rural area, not much. So please tell me, what are your grinds on the outside? 'Cause right now, our literal monthly income is 4,840. Now that becomes survivable for the area. Again, if we were in Chicago, would we struggle into that? It comes survivable in McKenry. What are these side jobs? Oh, while you said reenact, please don't say that to the job. - I don't get paid for that. - 'Cause no one would. - There's actually people that do get paid for it. - A couple people just like anything ever, yes. There's gonna be a couple of painters that make a incredible amount of money as many everyone does, but go ahead. - Yeah, my second job is I work at the McKenry Outdoor Theater. It's one of the only surviving outdoor theaters with like the original tower and everything. - The original tower? - Like the projector, like where the projector projects the movie, that's the original tower till when the original theater was opened. - So people go there for the original tower? - Well, yeah, 'cause we're one of the only ones that's left in the United States. - Who's excited about the tower? - Well, who's going there for the tower? - The Bragg of the Tower. - They are more excited for the movies, but I get excited for the tower 'cause you know, it's like, oh, that's the original to the original. Like that's also-- - Built-in. - Built-in on 1967. - Okay, so the late '60s, Gray, historically on Mark. - Yep, absolutely. - Okay, great. Okay, and what do you make doing a coordinator? So you tell people where to park? - Yeah, so I can do parking. I tell people not to add to the population in the parking lot, find a lot of stuff you probably wouldn't want to touch in the parking lot. - Condoms. - Condoms, had a couple of times where it was like a portable pisser that you take on camping. And it's literally you piss into the bag and they just threw it out their window. And that was an interesting day. - Okay. Okay, good, what do you make? How many hours do you do a week and that? - So right now it's lower hours 'cause the season is just beginning, but 16.50 an hour. And then right now, about every two weeks, it's, they're very low paychecks of only like $75, but we did recently just go to full time. - Who's we? - Wee is in the staff. - What are you gonna make? - So usually 20, 30 hours is what they're gonna be talking about for the rest of the season. - Okay, well, I mean, that'll definitely boost you guys to a decent place for a make Henry, which I assume was again, a lower cost living area. - Okay, so what's going on guys? - We are barely surviving. We will. - Are you sure it's Wee because I read a note of him saying, she needs to get her sh*t together. - Yeah, she does. - She does Wee is in you. - Really? - I need to get my sh*t together. - Yeah, yeah, that's what he said coming in. - I don't know what you mean, but I need to get my sh*t together. I put 95% of my paycheck towards bills. - Yeah, well, I have to work two jobs to make sure that we get through all of it. So I don't even understand that. - Yeah, you give me 200 bucks per of your paycheck for the house and I give $600 of my paycheck. - Yeah. - To the house. - You know what, whose fault that is for not talking to me about what we actually need? It's your fault. - My fault? - Absolutely. - Because you don't talk, because you're never even f*cking home. - Yeah. - Because you're off camping with the boys. - You're camping with the boys. You're going to Pennsylvania for a reenactment. You're going camping next week after we get home from Texas. - Yeah, I am. And because my high school friends were like, "Hey, we're gonna be hanging out this weekend. [BLANK_AUDIO] - You wanna come with us? I'm like, sure. - Okay, sure. - Your kid has a doctor's appointment that I can really use your help with to go and take her to so I can stay home with the toddler. - Well, that is why you work part-time though, right? - Yeah. - Okay, continue, sure. - But sorry, get it all out, girl. I feel pent up. - I'm not here because I'm trying to make money so that we're okay, and we're surviving. And then-- - Did you camp here? - No. - Why the, didn't you shower? - I did shower. - Oh. - He is naturally greasy. - I am naturally greasy, yeah. It's an Italian and me unfortunately. - No, no, it is not. Okay, so how often is he going camping away from you guys? - He is home maybe for the weekend twice a month. He is-- - Oh, there. Well, you got young kids. What are you, what are you doing? I'm sorry, yes, she's part-time so she can take care of the kids that make sense. I don't think you're working two jobs to take care of the house. I think you're working two jobs so you can go on your little excursions with the boys constantly. - Well, it does, it does help, but at the same time. - That's, come on. - Is that not it? - Yeah, no, you're going off to go hang out with the boys so you don't have to come home and take care of the kids. - I love taking care of the kids. What are you looking at now? - Well, it's the last time you gave any of our kids a bath. Never, you've never given them a bath. - He's never taken a bath. - Yeah, well, to be honest with you, I'm still terrified about giving them a bath. So that's one of the things I get terrified about. Yeah, cleanliness scares the shit out of me. - What time does our oldest go to bed? - Oh, usually midnight. - No. - Wrong again, idiot. - Oh, 11. What time does the youngest go to bed? - Usually nine or 10. - No, seven, 30. - Oh, that one was further off. - That one was a lot off. - What are you, how are you off on that? I mean, you're at least home then. - He's on video games. - Yeah. - He comes home, says hi to me and the kids. Says his butt down. I'm going to put it on video games. I'm going to play War Thunder. - Yeah, I do play War Thunder in like a bunch of other video games. - Is it a tank game? - Yeah, it's like a tank game. You can do tanks, airplanes, stuff like that. - Why aren't you contributing to this house? - I do the major because I got the major check. There's more to do. The wife needs a little, you know, help here and there. - I do, I clean the house. I vacuum, 'cause you leave the house a mask. - That's not true. - Not true. I do vacuum. You can joke games. - Yeah, maybe once every two to three months. - 'Cause you haven't done it in two weeks. How's that in my fault? - You're the one that broke the vacuum last. And you're like, okay, please fix it. Okay, I'll go fix it. Three days later. Can you fix the vacuum? Yeah, I'll fix it. Three days later. Hey, can you fix the vacuum? Yeah, I'll fix it. It has been six months since the vacuum's been broken. - You know what? And that's because I have the two jobs that I'm working. That's why that's to bring it back to that. - Yeah, one job then. - Right, the other vacuum. - I mean, it's money. - It's money. - That we don't have. - I know, but you gotta clean the house and you can get a cheap vacuum. - Yeah, a Facebook marketplace. - Facebook could and get a go on a business. - Yeah, but you won't even let me leave the house to go meet up for Facebook Marketplace. You won't even let me go. - Wait, that is a making sense. You're hanging out with your boys constantly, including on gaming overnight. Why can't she go outside? - Well, 'cause like, I did. - We grew up in that area where there's like the Craigslist murders and stuff like that, where they're alluring people. So like, what is any different from a Facebook Marketplace, man? - We interrupt this program to bring you courage, the cowardly dog show. - Yeah, he's afraid that if I leave the house with the kids, we're gonna get robbed. - The kids stolen and me killed. - So you're on a lot of side? - No. - I can go outside in the backyard and maybe take the kids to the park. - That's a little weird, dude. - Hey, you know what? She also decides not to go out too. So that's on her, that's holy on her. I will tell her, get the hell out of the house and she'll just be like, oh no, I don't wanna go out of the house 'cause I don't wanna leave the kids with you 'cause she'll get emotional. - Cat, you do. - You'll get emotional? - Yeah, 'cause the kids. - Sometimes they do-- - But we don't want me to overwhelm me a little bit. - Then don't have kids. What the fuck is wrong with you? - Hey, maybe if you weren't on the screens 24 hours a day and doing reenactments, you would have a little sense of normalcy and I get overwhelmed by a child. Maybe you need a little actual interaction with them on a consistent basis to prepare you for what it's like to be with them alone. Why'd you father children if you can't handle children? And less than that, why'd you bring a second one? Why'd you bring a second one? And if you could handle the first one. - To be quite honest, they were both accidents and I love them dearly. - Okay, why don't we learn condoms for birth control or SNP? - We were wearing condoms for the second one, at least that one ripped. - Yeah, that one definitely did rip. That was-- - Okay, but you learned it. You learned that a rip. - Not so take a P and B. - Yeah, you didn't even tell me that a rip. - Oh, that's totally wrong. I did tell you and then-- - You did not. - You, no, that is-- - Why would you not tell her? That's crazy. - I did tell her. That's the thing. She's gaslighting me right now and she's saying that it's my fault that that way. - Maybe she just-- - There are two people involved in that. 90% of the time you think you have conversations. You will start a conversation in the middle of the conversation. I'm like, hold up, what the fuck are you even talking about? Oh, you know X, Y, Z. And I'm like, well, why didn't you say that in the first place before you started with ABC? - That's how my brain works. I'll think of a solution later in some way we're talking-- - Mind reader. - Well, maybe you should be. - Ashlaw. I am not a gypsy. I cannot read your mind. Maybe you should get a crystal ball then. - Sure, burn down the whole house. - Yeah, burn down the whole house, put it next to the window. - Mm-hmm. - Right, yeah. - Sure. - Sometimes I feel like burning down the house with all of your shit in it. - What does that mean? - We have a, what, 12 by 14 shed has nothing but is re-enacting stuff in it. - No, it's all the back wall and then the rest of it. - It's almost shut down. - It's not in the house. - Yeah, it's not in the house. - Some of it is in the house. - But honestly, I moved that stuff out there so it was out of your way. So the kids had somewhere to play in that little shit box we have. - Okay, that is fair, but-- - What if you guys lived there if you hated so much? What are you talking about? - Well, housing market. - Well, housing market Illinois for us is terrible. - Do you own this? - Yes, we do. - Yeah, but you buy it. - We were both in really bad situations and we both needed out of the house. - Right, right, what the fuck are you talking about? Why'd you have to buy one of rent? 'Cause we figured-- - If you're in an emergency situation, rent, don't buy a house that-- Did you even let her outside? How scary is it around this house? - Not at all in the middle of the same time, like-- - But why would you let her go outside? - Dude, you always hear about-- - I said, you have a graphic in-- - What is this, McHenry? - Mainly white. - Huh? - Wait, you said demographic, right? - Well, yes. - It's mainly a white neighborhood so like we commit the most crimes. - Huh? - Per capita, right? - Per capita? - That's what our population wise, we commit the most crimes, so that's why I'm terrified sometimes of it. - Or proff-- - Yeah, well, not per capita, I don't think. - Maybe once a year. - Well, it's also like-- - Wait, no, no, no. You have to be able to at least let her outside. Like, the kids have to go outside. - No, they're allowed to go outside. Just-- - She was saying different. Like, that's kind of crazy. - I couldn't go outside in the backyard and then like-- - Take the kids-- - I'm saying besides that, like, the kids-- - I tell her, take the kids for walks all the time. You know what ends up happening? She doesn't. - Well, you know what? If she goes and takes a walk herself and leaves the kids with you, you have an emotional breakdown. - Yeah, and then you're in a move for the rest of the day. I just gotta get used to it, and I'm solely in. It's getting better. - Is he? - Is he because, like, how often can you actually leave the kids with that? - I can't take a shower. - That's crazy. - Yeah, she-- The kids, my daughter, really just goes crazy when she's not in sight, 'cause they're-- - Yeah, you know what, 'cause that's how you've trained them. It's 100% mom. Never dad. - I'm always out of the house working, too. - And going to reenactments and going camping and going out for drinks with the boys. - Come on, come on. I ain't going out for drinks with the boys. - I didn't even go to that stuff, and she doesn't want to do anything where you have to-- - The kids. What would she do with them? - Yeah, we're gonna call you-- - No, we could call my parents, or we could call your parents. They're more than, well, yes, absolutely. - We didn't have access to my parents until the last what, three months? - Well, yeah, and you know what? I'm very thankful for them that did that. - That they're even right now with our kids. - Okay, so they can watch the kids. - Yes. - We should do that even more and more, 'cause obviously the kids need some separation. - Yeah, they do. - But also, you need to have some contact with them. You freak. - I do, everybody. - No, you're a weirdo. You wouldn't even let it go to the grocery store I'm being read because there is a shooting four towns away. - Yes, they're freak, man. - Ah, no, I'm not a freak. - That's freak behavior. They need to be able to live life. If, yeah, but your helicopter parenting isn't gonna prevent these kids from growing up in any sense enormous, normalcy, they're gonna be weirdos, they're gonna be like you. - Oh, yeah, 'cause I'm such a terrible example. - Aren't you? You stay away from your family. You can't be around your kids, you don't shower. I would say, actually, not the best example. - I would disagree with the counterargument though. - That's the common argument. - Is it? So other people say this? - No, between us. 'Cause I'm like, you can stay home every weekend 'cause he's off going to do something. It's like, can you stay home and go take our son outside, go to a park? Okay, yeah, I can do that. And he's back within a half hour. - Not just that, but buddy, if you're going every other weekend with the boys camping somewhere, she at least deserves one weekend where she can do something. - And that's what I tell her. - No, 'cause you break the fuck down the moment the kids are with you for five seconds. - And I told her, go regardless. I could put my headphones on or something so I don't hear-- - Your headphones on. - And she-- - Yes. So in that way, if they're just unconsolable, I can put my headphones on, calm down, and then try to figure out what the issue is. - Oh, yeah, even clean the house. How the fuck is she going to feel comfortable? - I do clean the house. - How is she going to feel comfortable having like a spa weekend somewhere? - Yeah, especially since the one time you got so mad when I was in the hospital, you broke the damn laundry basket. Okay, what happened after we gave birth to my daughter. She caused a hematoma on my right kidney. So I was pretty much bleeding internally and so they wanted to do some monitoring. This was his first night alone with the two kids and something happened and you got pissed off and broke the laundry baskets. Yeah, because I made them dinner and then he almost burned himself so I had to get him out and from in front of the oven. It sounds like having kids, yes, yeah, I don't even have them and I know it. What the fuck are you talking about? What if you couldn't handle that when on a temper tantrum and broke shit? To be honest with you too, that whole situation was emotionally like I was on flight or flight mode. Well, I can understand having your wife in the hospital, yes, that part can make sense. Does that mean we go into anger person? We break shit. Come on, buddy. It was the only thing. There's a long way. You go jerk off in a corner. Get it out. I don't think I've ever been angry jerked it off in a corner before so I don't think that'll work for me. It is a stress reduction. I will tell you that better than breaking shit in front of the kids. No, the kids weren't in, it was not in front of the kids. They were both in the living room and I closed their bedroom door and then I just started breaking laundry baskets. No, it's the kids room. In your freak? Yeah, like it. You went into the kids room to break the laundry basket. I closed the laundry basket. It wasn't even art. I closed the door and it got hooked on my foot and that was the last draw and then I took it out in the laundry basket. Okay, so I guess I think I completely understand her reluctance to leave them with you. Couldn't handle that. She said those their first night ever with them alone. Yes, that was it. And you couldn't. And you were breaking shit. No shit. She's never going to walk out that house without the kids. Dude, you're a f***ing mess. Oh, why even have the f*** kids in the first place if you can't handle it? I love them. Okay. And that was a complete. Dude, you don't know what time they go to bed. No, I don't. I don't. And you love them? You're gaming instead of having the time with them. The six-month-year-old is the six-month-old is imprinting right now. It's going to have the same problem the two-year-old has in the end because you're never around. Trying to do better at that. No, you're not. You're a pathetic father. No. From everything I've heard, you disagree. What is it? What do you do? Because you work? Yeah, you do the minimum responsibility. A man needs to do. I do take them out to the park. I do take them on walks. Alone? Alone? Yeah, absolutely. Is this true? He does take them alone when it's like I need to speed clean the house or when she needs to do a chore. Yeah. Great. I actually just do it for them so that she can actually do the thing she needs to do. I do it for them and then she goes, "Okay, it's going to be a great time to all of a sun clean the house." Because all of a sun, she's like, "Oh, I have all these things that I could do now." Yeah, because I-- Because I-- That you don't do during the week. Because I have a child clung to me. I have two children clinging to me. And they clung to me when I get home too, so I could take the pressure off you. That's the only point. I thought you'd go and play video games immediately when you get home. Not all the time. Every once in a while. All the time. The only time our sun clings to you, you're sitting on the couch and you decide to sit and watch TV. No. I grab him into my lap and I cuddle him because I haven't been seeing him because I'm working two jobs. A whole five minutes. You know, I'm going to come, I'm going from seven in the morning to one in the morning. And how frequently? Once every three months. No. Okay, buddy. What the fuck are you doing? No. I'm going to be real with you. Your dad is not the same as everyone else's. 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Go to Lake Michigan. It's the late spring, early summer. Beautiful times. Go to the world of sleeping bear dunes. Oh, actually, yeah, that was on the list. Oh, that was on the list, but instead you're going camping with the boys. Where doing what? Wisconsin and going to shoot guns and stuff like that. You know, you have, I'm not opposed to doing that in general as a concept. Yes, you should have time where you pursue your hobbies and where you're with your friends. It wouldn't be healthy if we're all just only with each other all day and with the kids. Okay. I get that. But it's only you experiencing things. You don't take that. Once last time, y'all have gone somewhere here. This was like our first vacation in like three years. Yeah, that's the first true vacation. Which means it's your first vacation. Well, he's doing something every other week, including this Holiday Weekend. Yeah. And this is like my first vacation ever because whenever I went on vacation with my family growing up. You were confined to the hotel room and that was it. So why is it more important to make memories with the boys instead of your boy and girl? Because I do have responsibility with some of this stuff than especially with shooting guns in Wisconsin. That one was a last minute and I said yes before I even realized what I was saying. I will be on. Oh, shut the fuck up. Yeah, they literally asked him yesterday. They literally asked me yesterday and I said, sure, why not? You didn't consult the wife. No. Another of your two kids. No, I did not. You just selfish. Asshole. Mm. Yeah. Selfish. Sure. Is it not? I just think it's a normal everyday thing. Here and there, sure. But if she, if this is her first vacation in years, especially since having the kids, holiday weekend, haven't done anything and she's doing this to come on a show where she's, you know, getting financial resources like it's a sure holiday, but it's also a mission here. We're doing shit that's uncomfortable to fix the household. So how in the pre-interview, how in the world are you opening the conversation with the producers? She needs to get her shit together where everything I just learned is that you are a literal man, baby, who works a little extra so you can go have fun with the boys and never support her, the mother of your children. How the fuck are you saying that? I'm always supporting her because, you know, every time I get in at home, it's always helped. I thought it was game. No, that's not the priority when I get home. Give me the percentage. Give me the, okay. It's Monday through Friday. How many of those days is he gets game in the moment he gets home? I have to say about 90. There is some time where he'll ask you. 90%? That's bullshit. Yeah, because there are some times when I'll, okay, even if, let's, let's, let's humor you. Let's humor you. Let's humor you. Okay. You come home. Hey, babe, one needs to be done in the house. Hey, can you do dishes? I hate dishes. So then I go clean the cat box instead. That's how that works. Yeah, it takes you three to six business days to do something after I ask you to do it. No. And it's the cat pan. The cat's coming now you to change it. Yeah, and I clean it. It's clean. Yeah, usually two days later. Oh, no. No, I'll ask you. Hey, do the dishes. Okay, I'll do the dishes before I go to bed. Okay. Cool. Hey, I'm tired. I'm going to bed. I'll do them tomorrow morning before work. Okay, cool. I have done that. Yes. I will give you that. Okay, I'm tired. I'll do them when I go to bed. Cool. And then it cycles and cycles and cycles. That being there. I don't know who's saying who's right, but I mean, instinctually, I have a feeling it's her. She at least has more examples to back it up. And again, you're going out this weekend. You don't deny any of that shit. So no, I don't. I just, I have a feeling she's right. I'm sick of, I applied because I'm sick of being told that I am the problem. You applied? Yeah, I'm the one that applied. Why did you open the conversations with the producers that she's the problem? Is there any time there's an issue? and then all of a sudden I'm left in the dark about it. She always throws it on me. Like it's entirely been my fault, my problem that I'm the cause. And then all of a sudden, no, I'm talking. You sit there and say I'm the problem all the time, but then all of a sudden it's something that could have been talked about weeks ago. 'Cause oh, guess what? Alice doesn't wanna talk to me about any problems until they boil over and then we're sitting there yelling at each other over finances. 'Cause guess what? - You're never home. So there's no way for me to talk to you. - Text would be great. - Oh yeah, like you check your phone. You text the boys before you text me. - Bullshit, anytime I get a text from you, I always hit reply and you know what? And that ends up happening. I'm so, there's so depending on what I do at work that oh, hey, guess what? I can't look at my phone for four, five hours because someone stuffed the labels and now all the productions shut down. - Yeah, can you text in at work and not text in at work? I can get not a lot of people's let you be on your phone during work. - No, they don't. - We had it with one we worked together at the theater and the gun store and everywhere else. No, do not text on your phone, okay, cool, let's policy. But when you are going out to the bar, I do not hear from you. When you're going out camping, I do not hear from you. And yet all the time when you're at home, you're playing me to games and looking at your phone, texting the boys. It's always the boys over your wife and kids. - Why? - It ain't. - Bull. - Shit, oh, she smock you. - Smock? - Smock. - Yeah, she's, her, she's fluent in that. - I'm you as Sherman. It is true. - And you dress in World War II is we got some little concern, all white town. - Any like that. - Uh-huh. - So you're saying she bottles up and it's-- - She bottles up and then it lets it-- - I think their wedding's seen that here. - Yeah, this is-- - I mean, honestly, this is a platform to get it off your chest, so I'm not blaming for that. I'm not even criticizing you for that. But, I mean, it's not, okay. So how do these financial conversations go then at the house? - They don't, 'cause he's never home to talk about it. And when I'm like, since I put all of my money in for the house, I don't have enough money to pay my own bills. And he's always-- - Your own bills? - Yeah. - You guys married? - Yes, we are. - And they have our own bills and then our joint bills. Like, my phone bill, he doesn't pay-- - Why don't you have our joint plan for phones? - He's still under his-- - Because my-- - No, no, our child. - Okay, so, but when they do happen, 'cause he says they happen, it just bottles up. You're saying it doesn't happen, but when they do happen, how do they go? I need a little insight. - So usually it's like, hey, I will ask her, like, we'll be sitting down, spend time with the kids, and then I'll ask her, hey, how's it going with finances? Do you need any extra money this month for your bills for our house bills? And she goes, no, it's okay, I got it. So she completely glazes over the whole thing. And then we got to deal with the fallout two, three weeks down the road, hey, I need $300, $400 here because I totally forgot to tell you about any of these extra expenses we had. - I don't ask you for any other money. - You do. - I do not ask you for more money. - You do, you liar. - The only time I ask you for money is, hey, can you put some more extra, more than $200 into our house bill? - And I gladly do it. And I will gladly give you $1,000. But the problem is, you don't let me know because guess what, you're buying all the groceries for the kids 'cause you're home. Again, I'm out working. - Called your liar, I mean, that's a pretty heavy thing to just throw around. What do you mean she's lying? - She lies about not asking me for money 'cause anytime she needs money, she asks me for money. And then I give it to her literally within seconds. And then guess what? - You've been moaned about not having enough to buy a new fire or whatever pack or a new coat or. - Then I don't and then I save up for it and then I wait and then I get it when I can. - Like you spontaneously buy. - You buy shit in your sleep. - I do buy shit. I did buy shit in my sleep once. - Multiple times. - Once. - Multiple times. - No, no, no. What? - What the fuck are we talking about? - You'll buy stuff in his sleep. He'll have something up on his phone and he'll fall asleep and he'll wake up and then he'll buy it and he'll go back to sleep. - I will also call the cops in my sleep. - I think everyone's done that before I ask. - Yeah, I've definitely seen it all 9-1-1. - Nope, getting everyone saying no. What the fuck are you guys talking about? - You guys are insane, I have no idea what you're talking about. I mean, you guys are going out to eat hundreds of dollars, miscellaneous bullshit, hundreds of dollars, other large purchases and unknown things, almost a thousand dollars. So you guys are spending a shit ton of money. Who are we saying it's fault is that? Like it's all like shit ton of money on bullshit, like 40% of our spending. - They're eating out. - No, all bullshit combined. Who are we saying who's fault? - Yes. - So it's all you. - I do. - Why spend when I have- - Well you don't make that much money, buddy. You're working a lot of hours and a lot of jobs to bring in not that much for the amount of time you're doing it. - I mean, he spent all of our tax refund before we even got it. - And what? - Renacting. - Dude, what the fuck are you doing? Do your kids not matter to you? - They do matter to me. - Well, then why, listen, you got a nice big check because of the child tax credit. Thanks to, you're welcome. We're finding you. You guys are net contributors. You're a part of the lower 50% that contributes 1%. Okay, that's fine. That is how it is. We're progressive. That's good, not complaining kind of a little. But either way, and then you take it and it's meant for you to support your kids and you spend it on reenacting. What the fuck are we doing? - Especially since medical bills come out of reenacting. - Medical bills do come out of reenacting a lot because it is- - Okay, you're not a war hero. - No, not at all. - Stop. What is this reenacting? What did you spend the fucking money on? - Rental cars. - And rental cars. Well, two events because you refuse to drive our brand new car. - Well, the fuck would I drive our car when all of a sudden we're putting more money into mileage, oil change, stuff like that, and if anything breaks down, then I gotta hear, oh, hey, your brand new car that I was driving now, all of a sudden doesn't work because the transmission blew, the engine blew. Yeah, so then we could dump more money into that. - Yeah, you paid $900 on a rental car to drive out. - Okay, that's just a rental car. Not the equipment and shit. - No, that's uniforms. - I already own all that, but it could be- - So what did you spend the refund on? - So more uniforms and stuff. - What, you just said no, you didn't 'cause you already have that, you've- - So asshole. - Hey, the refunds just came. Not even refunds, subsidies. Those are real subsidies. - I'll find more uniforms. - I find more uniform stuff that I've been looking at and then all the insying, all the equipment, stuff like that, the helmet. - How much did you spend with this refund? - Hmm, 3500. - Oh, you've- - Yeah, we got 5000. - Yeah, we got, we did get five dollars. - It's literally, we are giving it to you as a society for the sake of your children. Take that, put it on, what is it? A 403P, am I blinking on the actual rate name? Put it on that, put it in the Trump accounts. Put it in those, let it grow. What are you doing? That's for the sake of your kids. - We actually opened up Trump accounts for our kids. - There you go, it's easiest. One of them, and our son, he's over the age limit to get like a grand put in already. And so my aunt is giving us a thousand for him. - You didn't even tell me that, that's brand new. Why didn't you say that? - Why are you freaking out about that? - No, 'cause it's kind of embarrassing when her family gets does that stuff. - You should be embarrassed, you spent 3500 on outfits instead of in your kids' Trump account. - Which by the way, I would, it has a 403P, am I forgetting? I always mix it up with two. I always mix that one up and, like, public safety. - Oh, they want a mess. - Yeah, you know what? Talk about a mess, and then all the 529. - And then all of a sudden you sit there and all the stuff I actually do. - Why not put it in 529 for the sake of your kids? That's what we're giving you money for. Or, sure, in the Trump accounts, whatever. 529's a little better 'cause it's more tax-beneficial, but it has to be spent for school. But either way, whatever. - It would be nice to be able to go and apply for those things. But I can't when I have-- - But wait, no, I'm just saying, put the money towards it instead of outfits like that. You look like a freak. - I think I look good. No. Totally, an opinionated. Nope. I spend it on it 'cause I like the hobby and I enjoy the-- - You don't like your kids. - You're obsessed with the hobby. - No. - Every single conversation. - Re-knock and re-knock. - That's fine. Have a hobby, that's okay. But don't prioritize it over your kid. I have a hobby too. No, my hobby is right now. Rust, and I have spent a lot of money on it. But guess what? Not over my kids. I don't have any, so I can do it. But you, what is the certified-- First of all, I haven't spent 3,500 on a hobby. Not that I can think of. What are you doing? Maybe fish tanks, but-- - So like anytime you get a uniform together, I get it, but you're choosing over your kid. I don't need to break down. I understand it. It costs money to do a hobby. I'm not complaining about that part. I'm complaining that you're putting it over your kids and you haven't been able to even apologize for that. Defend it. You haven't opinion on it. You immediately just say, "Well, you don't form so this." Yeah, you're putting it over your kid. You pathetic woman. - Yes, 32 pairs of shoes. - Yeah. - Hey, what are you doing? - I actually downsize that, so-- - Yeah, bullshit. - No. - Yeah, I was opening up bins in the shed to get ready for a garage house. Shoes, shoes, shoes. You're worse than a bitch. - What's a bimbo bitch? - Someone that they have like a 6,000 pairs of heels. - I feel like German freaks are just trying to create your own version of post holocaust. - No. - All the pairs of shoes stacking up on each other. - We absolutely despise those type of people. Those are the most disgusting people. - Yeah, they try to buy our stuff. - No one speaks like that, unless they're really trying to defend against something. Trying to do it. - What accusations do you have? - I have accusations against other reenactors that are like, absolutely terrible people. Like against them? - Yeah, 100%. - Against you. - No. - There's no reason someone would come out that defensive against something. Well, I don't need to defend that I am anti holocaust because that's just a given. I've never heard someone so immediately have to go so hardcore anti holocaust. - Well, 'cause let's be honest, you put on a uniform, you equip yourself with the stereotypes that are associated with it and then that other-- - Oh, brother, nobody takes you people seriously. - You people take you people seriously. - That's probable, but I'm gonna disagree because there's definitely people in this hobby I don't take serious, not at all. - No, but no one cares from the outside. So you don't have to defend your German collection. - You got, you almost got the H-com over. - Old man. - No, it's just, it's just a regular haircut. - Yeah. - It's the Hitler youth haircut. - Hitler youth haircut. - That's what your mom calls it. - Yeah, that's what my mom wrong. - That's what my mom always calls any haircut I get. - You're living in this perfect McKenry community. - No, I like she like my-- - Living in the dream. - I like all my name trees. - No, exactly, that's what I'm saying. I think he would too. - No, he wouldn't because a lot of our neighbors would have been on that list. - I would have been on that list. - We would have been on that list that he would have exterminated so. - Why? - Polish. - Well, he kept many polls alive. - Not all of them, not all of them. - Not all of them. - Yeah, what's the part that wasn't? - The part that wasn't was what-- - I see all his nose. - Yeah, they could be on the list. - That's fair, but they were ethnically cleansing the Eastern Europe as well, not just of Jews. - Oh, okay. - And then I'm Jewish. Well, I'm not Jewish, but my family's Jewish. - Yeah. Okay, okay. I said he hasn't even once said why. He won't put it to his kids over his Hitler youth outfits. - Does he-- doesn't want to grow up? - I was kind of pathetic as a husband. Why won't you grow up? Well, because the one thing I was told in my life is that you respect him as a man, as a husband. - In a way, he does have his perks. - What's the perks? He works. - Yeah, he works. - Glad he works. He's working for his hobbies, not for you guys. The tax refund went to his hobbies. Not you guys, but sorry, go ahead. - For as paranoid as he is, it does come in handy sometimes. We did have someone attempt to break into our house, and he took the necessary procedures to-- - This is why he's so afraid of everything. - Yeah. - Okay, well at least there's a freezing, 'cause you were acting like a freak. What was the necessary procedures? - So I feel like it's a military operation. - The last thing you want to do is ever go out and try to use for some stuff like that. So we turned on lights around the house to let them know we were there. And then we-- - Called police. - We called the police and stuff like that. - Evacuated into-- - We got all the family together into one room, so we knew if something did happen. - Okay, I was expecting something a little more manly, but that's okay. I guess if that's what you got to get a respect then. That's great. - He is a very, if you're in trouble when it's outside of the house, he will come and help you. We've opened our couch to-- - Go ahead. - We've opened our couch to a whole bunch of his friends that needed a place to stay going off to reenactments. His buddies were just as bad. - Uh-huh. - So I continue. - Thank you so much. - Yeah, and then he does contribute a lot to-- - So I continue, please. - I'm sorry, I can't. - I just wanted to, I wanted to finish the look. - Oh, I'm sure this is-- - Oh, my gosh. - It's sitting with Vita, nine minutes. - It's kinda stiff. - Oh. - But-- - I'm gonna finish the look. You look good. Does it look good for anyone in his life that sees this? I did that, he did not do that. - Thankfully he can't grow facial hair. - Yeah. - But he does try to help. We do have a homeless population. - And make Henry for people? - Yes. - Yeah. - Okay, whatever. It doesn't matter. I just need you to step up for the sake of your kids. - I'm glad you protected it in the home invasion. Can you step up for the sake of the kids? - Yeah, I will be doing that now. - And get that shit off your lip. - I think-- - Stupid as fuck. - I think you got it, I got it. - Yeah, I did dry erase, not sharpie. - Thank you. - Yes. I'm still thoughtful even in my bits of making someone look like a salesman. - Okay, so in the conversation that happens again, because we're having the conversation now. We're about to get into the finances, so I just want to understand when we're time. So you guys go into a financial conversation who brings up the topic? - Usually I do. - Okay, so what do you bring up? What's like a recent example of a financial conversation? - Recently, our son had a fall. Well, as soon as he was open, he freaked out. He was like, we're taking him to the hospital. He took him to the hospital. We got a hospital bill for that. And I'm like, great, we have a hospital bill. We need to pay this. He goes, okay, cool. How much is it? It's $128 or whatever. He goes, okay, cool. And I'm like, you're very nonchalant about having to pay more bills that we could have avoided. 'Cause-- - Why would you avoid it? I think that was pretty important to take the kid to the hospital. - Well, 'cause it wasn't like a broken nose. It was just he fell. - Why don't you know, though? I mean, depending on how scary it is, I'm not ever taking the kid to. - When you break your nose, you get pretty fast bruising around certain areas of your nose and-- - Were you saying don't go to the hospital? - Yeah. - Yeah, she was saying don't go to the hospital. I'm like, no, he needs to go because he fell from like my knee height. I'm a tall person and he's-- - Your son's a tall person. - I mean, I would have been anxious and take the kid for sense of clearance. - Yeah, the kid acted fine. - Well, sure, but how old was he? - He was about, yeah, just-- - I mean, I, what of, I mean, why not get the clear? - That's what I said, and that's why I took him there. - I'd say $120 isn't fun, but you guys could actually fit that in your budget. - I could, yeah. - But the sake of the kid being wild. - Why take him to the hospital and pay more money than he could have just stopped inside the doctor's office and took it? - Well, if you knew anything that what we talked about and instead of just saying what you are, I took him to the care clinic because we're like, okay, it's not serious, but he should definitely get checked out. They denied me because they denied our insurance. So then I went to the hospital to make sure that our son was okay. - Why didn't you walk literally 20 feet to his doctor's office? - Because he needed to be seen immediately not in three, four hours in a walk-in clinic. - I really doubt that his nose bleed was bad enough that he was gonna drown in the blood. - Well, I took him to make sure that he was okay and if you have agreements with that, that's on you. - I'm glad that our son is fine, but it was a necessary hospital visit. - Let's be honest, the cost of living right now is absolutely insane. But if you are out here leaning on credit cards just to buy your groceries and fill up your gas tank, you are literally paying a 20% survival tax and high interest debt just to exist. Look, if you're a homeowner, my friends at American financing actually have a way to get you out of this BS. They are helping people tap into their home equity to pay off high interest debt. 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Get it into Real Estate? I'll help you avoid the money pit and get more profit. And if you're unsure where you stand, shame on you. But you're in luck. My newly revamped hammer quiz in just two minutes, you'll know just how naughty or nicer finances look. And if you've taken it before, look out for some new and huge improvements. Oh, and I have a special surprise for anyone who takes the quiz. Click the link in the description to learn more. Take the quiz, take advantage of 50% off, and finally, un-f--- finances for good. - I think it was nice to share. - Maybe, but I would rather learn that afterwards, right? By kind of, I mean, I'm against you for not taking them. I'm kind of on your side for, yeah, he could have gone to the primary care. I don't think it was like emergency room-level shit, 'cause our primary care were fully covered. - Yeah. - But also-- - But also-- - The dollars shouldn't make a break, you guys. Really shouldn't. Again, I mean, going out to eat you spent almost $400. $120,000. dollars, being taken off or going out to eat a bunch of that month for the sake of our kid is not much of a sacrifice. >> I will say that the going out to eat was during the month that was in the hospital. So I couldn't really cook. >> Okay, doesn't explain the other thousand plus on bullshit. So even still, no, go fuck yourself, it doesn't make sense if you guys are complaining about not making enough money. Why are you working the second job because you don't make enough money to fund your hobbies with both? >> I'll be honest, both, I'm in there to fund my hobby and also do it. >> How much is in your kid savings account? >> Let's see, I gotta think about that. Our son has almost two grand. >> From you guys, not family. >> Yeah, two grand. And then our daughter has, because we started when she was born, she has about 800 bucks. >> Okay, so you spent more in one month on your reacting, reenactment, gear, then they have in their entire savings. You don't see how pathetically selfish that is. You just see that? That's pathetic. You're a father. >> And then plus whenever we do get some sort of barrier amount, you have to do something like this. Look at your shoulder. Get shot. You have to rip the tent in your ankle. >> That's something I can't control when I get injured. >> Reenactment. >> I know. >> The tendon was when I was working for the USPS and we went down the leg front. I got shot on the job, and the USPS, no, we worked at a gun shop together. >> Yeah, I guess that's a place you would get shot. Who shot you? >> Technically myself. >> Oh, you. >> What the fuck is wrong with you? >> I just shoot yourself. >> So we had a collection of guns that was brought in. >> It really are live in that Hitler dream, aren't you? >> Yeah. >> I wish it was my head instead of my knee sometimes too, but let's see, when I got that brought in. >> She didn't like that. >> No. Choose those words very carefully next time or I'm making you walk home. >> What the? >> You're kind of sometimes like a scary witch. >> That's why I said she needed a crystal ball earlier. >> I do it, and I think he was just making a joke. Like, it wasn't a good joke or anything, but it was just like, what do you have salt? >> I have a heart condition and if my heart tries to stop, this kind of jolt sit back into place. I guess. >> What the? >> Yeah. >> If you don't mind. >> Do you have like medicine instead of salt? >> No. My doctor doesn't care. >> Yeah. Every time you need a new doctor. >> Yeah. They were supposed to do a bunch more tests, and then I got pregnant and they refused to do tests again. >> Okay. Well, it's been six months since then, so go back. >> Yeah. That's from I'm working on after. >> Work it on. >> You're carrying around salt. >> Yeah, literally. >> Go to the hospital. >> See, I try to make an appointment. >> This is where you're so angry at nothing. >> Yeah. >> Yeah, I'm the most pent up rage because he's never a woman never able to help you. >> Well, I do get that point and I'm on your side for that, but I mean, you just kind of freaked out like crazy. >> Yeah, because I have a bunch of medical stuff going on, and I'll be going to the doctor for my heart and go, okay, tell me about your spine. That's an interesting story. And it's like, I'm here for my heart. >> Go to the different one. I don't know. Like, what have we done? >> Okay. >> Yeah. >> So you've shot yourself. >> Yes, break. >> Where? >> It was through my leg. >> How? >> So it was a little shitty 22 pistol, and it was the last gun in the collection, and they were bringing it in. They had the guns in the store for like 48 hours, and then they were pulling live ammunition, and then I grabbed this one, rack the slide back, looked down in the magazine, looking in the chamber. And then, but, because there was no followers, the little piece of metal that comes up in the magazine to feed their rounds, it wasn't present, so I'm like, oh, it's broken 22. And then when I rack the slide back and let it go, the follower popped up, put it around in the chamber, and then the whole firing pin assembly came out of the gun. So I just pressed it back in the place, and it was- >> What was the pointed at your leg? >> Just what was the safety down on? >> So it didn't have one. It's a time. It's a- >> What was the pointed at your leg? >> The pressure down, push the firing pin assembly back into place, my finger not on the trigger. It tilted down, and it aimed for my leg. >> Okay, here's fault. I really haven't sympathy, but you always get an interdune re-enacting? >> Yes, my most major injury was from re-enacting when I was 19. >> Is this not expensive for you guys? His injuries? From this hobby? Do this hobby owns everything? >> It racks up. >> It does rack up sometimes, yes. It's not fair. >> But we have an idea. >> It's not fair to your- Again, the savings is- It's nothing. Your- Someone's IRA has like $900 in it, and I don't see another one. So it's like, what are we doing? You guys are dramatically behind that investing. Your kids are going to have to pause their lives in their early adulthood to take care of their parents that chose hobbies over actual retirement. It's not fair. This is pathetic. Didn't choose to come into the world. >> It is frustrating. >> It is. >> It's very frustrating. >> It's not fair to your- >> It's not fair to your- Kids if I had them. Never! I want to take them over my dogs. I want to take them over my girl. I want to take them over anything. >> The fact of the matter is, I'm not selling them because I will never get them back. >> It doesn't matter. You'll never get your kids back either. And their life is in danger, because you don't have a fully funded emergency fund. They're not being taken care of, and you don't have retirement, and you're being pathetic. They matter more than your guns! Your guns are cool. They matter more. The kids matter more than my guns, but it will be hard. >> It will be hard. >> It will be hard. >> My kids matter more than my guns. >> It will be hard to sell them. Looks like you how are you so bad? - Yeah, definitely not my number one hobby. That's for sure, I'm not that good. (laughs) - Making her turn off the Xbox, dude, you suck. And you suck at video games. - No, you suck! - How about, bear me. (bell dings) - Oh, you made that joke and then I took it too far. - So at least you were mad at you. - Yeah, at least you had made you took it too far. Yes. - I did take that joke a little too far at times where I'll just go, bear me. (bell dings) - At times, what did you know after the first time it's too far? - No, I like-- - At times. - I have to razz her sometimes, 'cause she always gets razz me. - Yeah, sometimes it's funny, sometimes it's appropriate. Other times I am holding a screaming child while cooking dinner and the cat is puking on the floor. - What, wouldn't be the best time? - No, that would not be the best time. - Why do you do it then? - I did it maybe once, okay. You know what, I will say I did it once to you and then I, one was the last time I did anything like that back. - Well, let's see, what's the 16th? - Yes. - So, about three and a half weeks ago, I just brought our oldest home from the doctors. You came home, you beat us home. So you didn't come with us to the doctors at that one time. - Right, 'cause I was working. - Yeah, and so you sat down and play in video games, we walked in, hey, since you're at the fridge, bear me. - Yeah, I did do that one. - That is convenient, but I also had a sleeping child in my arms and another crying one in the back hallway. - And I wanted to help. - We've been together since 2020. - 2020. - Oh, the COVID relationship. - Yes, okay, we're seeing the outcomes of that now. - Come on. - Cool, so you'll sell your guns and get eyes at today? - I'll find one to sell and go from there. The most expensive, the most expensive and collectible ones. - You can get out of it today. We wouldn't even need to have the rest of this conversation. Except we do because your behavior will get you back here again if you don't fix it, but even still. Okay, what do you guys think your financial score is 0 to 10, 0 to 10, being the worst 10, being the best, as a household? - When I took the quiz on your website thingy, it said 3.8 or something like that. - That was what I'd say, money came out, it was at 3.2. - It feels like a two. - Well, I'll see, I'll see, listen, if you want to aim for financial score, it is free. Go to killpamber.com, take the assessment, see where you stand on the world of money, where you're doing poorly, where you're doing great, and where you need, what you need to do to do well at money, and if you don't want to be like a guest who ends up on the show, make sure you download that Alois Budgeting app. It is great, tens of thousands of monthly active users for a reason. Most people take the annual version after the trial because it saves almost 50%, and you get my 30-day budget meal plans, I'd by me, mailed directly to you, plus the digital version of the cookbook. You guys get that, and the digital version of the cookbook. dallowies.com, killpamber.com. I gotta take a piss. - Yeah, what's definitely to do. - This time. - So why the fuck do I see owing mom? $7,000, whose mom? - My mom. - Why? - Uh, we had to get a new roof. - All right. So like I said, why the fuck, you're like, oh, for a morning and for renting, why rush into the home ownership when you guys are not financially ready? You guys are fucking young. You didn't have to in a town that you might not even want to pay, because there's obviously no opportunities. And not only that, but look at the consequences. You get a house and got an emergency fund? Bullshit, do you have a fully funded emergency fund? - Yeah. - Then you should have been able to afford the roof. What the fuck happened? - Uh, we fell for-- - You fell for the flip. - No, 'cause you fell for it too. You were right there with the whole process. - I wanted to vote for the middle ground. The middle ground was like an $8,000 roof. You went with the 12th. - Well, 'cause you know what, the, the warranty with the roof passes on to the next owner. 'Cause we need a new roof. - Yes, we did it. - We did it. - We did it. - We did it. You have to own a home, a session, a session with people. You weren't in a place, it was an emergency move-out. You didn't need to buy. - Well, probably because renting in our area is about what, 1200 a month? Our mortgage is 600. - Yes. - And then you have a $12,000 roof, or whatever the fuck? - From a, Felco Delco. - Felco. - Is the landlord taking care of all the other shit? - No offense, I mean, I'm taking a, literally, literally looks like a shed with the color and everything. - It is. It's 700 square feet. - You bought a 700 square feet house, you want it, you're gonna sell it again? Good luck. Dude, limp it. - You'd be surprised because our community is turning into folks community. - It is. - Oh, they're all right. They're all moving in. - That's good, they're all moving in. It's a place that I wanna invest in. - Yeah. - Places where people die. So 7,000 hours, are you on a minimum monthly payment with, with mother? So the agreement was that when we sold the house, it would call for that. - Say, and when are we selling the house? - We're working on getting it ready for the market. - Yeah, hopefully in the next year. - And I see the house that you're interested in. - Yeah. And we do have a financial plan for it because it has an apartment built above the garage. - So we could offset them whatever mortgages left over after we sell this. - Definitely, let's rent it out. - It's surprising, the same price. Why is it in a shitty area? It must be. - It's in Indiana. - It's in Indiana. - Why would you, okay? - In the middle of nowhere. - Why again? Why do we go to a place with no opportunity? - We'd like the quiet countryside more than that. - Doesn't matter, you need an opportunity for the kids. You need income, you need schools, you need good things. - We're on the job. - You can get quiet in anywhere. - Where my brother is disabled and lives in a home and that is closed by the home. - Yeah, so if anything. - And I'm sure you could be in a place that's relatively close that's, okay. Dude, it's 555 people live in that town. What are you gonna do for the work? - You need to have a job guy. What are we doing? - Come on, what's our income plan there? - The income plan was, 'cause right now I'm in college. - You are? - Yes. - Doing what? - To get my associates to be a history teacher. Illinois is like really desperate for teachers. - Okay, I think you're moving away from Illinois. - Oh, it's right over the border, so I can commute. - Where's the nearest town? How close is the nearest school, decent school? 'Cause you're gonna get small town pay. - It's 35, 40 minutes. - Yeah. - So that's what I'm listening to. - It's not far. - It's the commute that I'm doing right now to work at the meet plan. - Good, definitely. That's if that school hires you. You're kind of banking it all on one. You're not in an area that has a lot of schools. Really banking it on literally one building hiring you. That's risky as fuck. I don't like that. You're not gonna make much, especially for a long time, especially in that area and that kind of school district load of property taxes. And what are you gonna do? - Well, my part time I work from home, and so my boss is my mom. - Oh my goodness. - She works for the same company. - Okay, I'll get you a course career certification. Many people in the audience who converted those into six figure paying jobs, either at the current job or getting a new job, you should check that out. Big discount for my audience, but I'll get you it for free. - Yeah, 'cause my mom's playing on retiring soon and I'm supposed to take over her job. - This is just, it makes no sense to me, guys. This is just such a f**king mess. - And borrowing from mother, like mom, we need a new roof, please give it to us. Why didn't you finance it with the roofers? Why didn't we get a personal loan? Why didn't we do anything like that? Like we literally have, well, I wanna want you guys too because you guys are f**ked up, but we have like personal loans and like loans for this kind of shit. We have all the financial services that anyone can need at calepammer.com. We have that shit. Why did you guys go to mother at a complicated relationship so hard? - She actually approached us with the idea and then we were already on a payment plan for the roof. - How did she find out? - Okay. - So she saw the debt and she was like, let me? - Yeah, 'cause. - Yeah. - Oh my goodness, you have another one to your mom. - Yeah. - Another 45 hundred for what? - We bought her car. - We bought her car from her. - What, you owe a little to us. You didn't even buy the car from her. You got f**king, you'll lend it out. You got leveraged up. - Yes. - You don't even have, f**k. So 500 hours a month. - Correct. - Yes. - Oh my goodness. Are you actually making the $500 a month payment? - Yes. - Every month. - So what happened here? - What's the car? - It is a. Is it a Kia Seltos? - Kia Seltos, yes. - Is there a brand new car that you were talking about? - Yeah. - Okay, so it's not a brand new car. - Well, it's new to you. - It's new to us, but it's a 24. - Okay, well, that's pretty good. You got it on the cheap? - Yeah. - Why do you owe a 45 hundred on it when it's worth 18,000? - 'Cause we bought it for $11 and we used. - We paid it down that much. We have. - Zero percent, that's why? - Yeah, 'cause we bought it directly from her. - So zero percent, though. - Yeah. - Yes. Okay, well, you got a good deal on that, I'll be honest. - Yeah. Because I originally had a two-door, tiny-ass car and could not fit the kids' car seats in it. - So if you're getting the blessings of like two halfway decent loans from the parent, one, you don't even have to pay on one that's zero percent that you've already had a great equity position and you have a great equity position in the car, how the fuck are. Why are you guys fighting so much about finances? - Well, 'cause I. - That is wrong. - I'll be honest with you, too. If I'm gonna be making sacrifices, she needs to excel her car, too. I'm not selling my car. - Yeah, I think you should. - No, I use that daily. - Yeah, and we can get something cheaper. - Oh yeah, are we gonna do the same thing where I would drive you to work in your car, then use your car for the day, and then alter my day and nap time and stuff like that, pile the kids in the car, and come pick you up after work? - Absolutely. - This wasn't my question. - No, I'm answering him. - What are you guys fighting on? If it's not even, like, I don't even understand, these two deaths aren't even horrible. You're lucky that you got 'em from mother. What are we fighting on financially? - We're barely scraping by. We barely have health in our things, because he keeps spending it all before we even get it. - And you keep spending it, too. So we're like-- - Ungrowsharing. - Yeah, and groceries and then you'll come home and you'll buy, like, have Starbucks coffee in your hand cookies in your hands, shit like that, once, once like once every two, three days, okay, yeah, that's one. >> It isn't from passing out because of the sugar. >> You have sugar at home. >> Yeah, but so. >> Don't need Starbucks sugar specifically to not pass out. >> No, no. >> Sugar went amounting about. >> So why not go back to making it? >> What are the fuck are you talking about? >> Why don't we make those pills very cookies like that we that I like a lot, then that way, you know. >> You literally take a sugar cube, pack up back a sugar cube. >> Oh, a sugar cube. >> You don't need a $8 Starbucks to not pass out. Have a sugar cube like a horse. >> Yeah, I'm a horse now, yeah, thanks, I'm a horse. Go from a witch to a horse. >> No, I didn't even say look like a horse, I'm just saying I have a sugar cube. >> No, it's not what he said. >> You act like a witch, but you can eat a sugar cube like a horse. >> Yeah, I guess so, whatever. >> Well, yeah, if you can't afford the starbees, do it. 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 three new Caleb Hammer financial resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on Calebhammer.com. We also have auto insurance now. You can check for free and see if you can save a shit ton of money on auto insurance. And then to close it off for now because we're building more, we have a debt relief program. You've seen how hard it is for people to get out of debt on the show. This makes it so much easier, but only if you're actually ready to change. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these three programs from personal loans to debt relief to car insurance to see if you can save a shit ton of money across the board. Go to Calebhammer.com where they Calebhammer financial resources part of the pinned comment or description below. Yeah. Well, it came me from passing out. I guess enough if I have a heart thing in my barber, but still, at least like it to taste good. Well, that would be good too, but can you afford it now? So make something at home that you take out on about with you. We don't have enough room to have like a coffee maker or anything. We barely have enough coffee. What? A coffee maker. We don't need a coffee maker. Yeah. You're the one that was looking on Amazon. What was it? Last night. No, get a coffee maker. Yes, get a coffee maker. Guys, get a coffee maker. You can get a coffee maker like this big, single pot, like a single cup. We don't have enough countertop for a microwave. Yeah. We have to put it both. This coffee maker is like the size of like a third of a microwave. What are you guys talking about? Guys, this is like seriously like this big. It's a single cup thing. It's tiny. Oh, like the hotel. Yeah, like the hotel. Yeah, the whole hotel. Yes! That I was like looking at last night, like you said. No. You were looking at the fancy curries. We had little cups and you put them on the cup. Guys, you are not going in getting Starbucks. If you are barely scraping by Starbucks, it's not an option. Make that make sense to me. Hey, I will cut down on the Starbucks and maybe I'll get a candy bar and say I sense it's a once in a while thing where I am about to pass out with the guy. This is sugar free, so this doesn't necessarily work, but the same excuse stands though. You're not going out and buying coffee. You're making it home. You're not going out and buying energy drinks. That's Gamersubs. It's more delicious. I promise we blind taste that it really is. Get your free samples link in the description below. Code Caleb to figure out a flavor you like. Then get your Gamersubs at 40 cents a serving after our discount code as well link in the description below. Make your energy drinks at home. That does not have sugar. So you do need to do something sugar, but fussing sugar gives in there is something. I don't know. But make your coffee at home guys. It's like this. Gamersubs is literally this. So it's like shut the f*** up. There's no excuses. You're not going out and getting bullshit if we're barely scraping by. You can go out and get bullshit, but not if you're barely scraping by. But also, I am sorry. There is a f***ing level here also for what it's worth. Like yes, you should not be getting Starbucks a few times a week. Probably in your situation, but that's not comparable to you dropping $3,500 on this kind of shit. Like this ain't even compare. I have an $40,000 gun collection. This is not a comparable thing here. Like what the f***. You're obviously far beyond a few starbies a week. You're freak. You's even trying to get me something and I'm like, no, I don't want it. And he's like, well, I'm going to get it for you anyway at some point. I'm like, I don't want it. And I try my best. It's something that he's like, oh, I'm going to do this for it. I'm going to do that for it. It's like, it's more for yourself. No, it's not for me because you will not buy anything for yourself. So if the burden falls on me, you just said that I don't buy anything for myself, but I am the problem. Yeah, you are because you don't even get stuff that's necessary for life for yourself that I have to go on and buy and get. She said she gets groceries, dude. She gets groceries from our joint account, but her personal account, she won't spend anything on herself. I don't have enough. I save like a hundred dollars from my paychecks. My phone bill is a hundred and one dollars. And how come you don't ask me for help with any of that when I literally have said, hey, if you have any upcoming bills, I have three, four hundred dollars that we can get a head on stuff with. And you know what? And it's not happening. We don't get ahead. Because you keep spending it all on reenacting stuff. But how is that my fault when I literally say, hey, if you need money, why isn't it there? Oh my god. Because you don't have it because you spend it all on reenacting stuff. I've seen people fight who are in dire situations, but you guys should even begin a dire situation. There must be something coming in this document that explains why the fuck you guys already shot those drugs. But so far, it's not. This medical bill is big. It's a fifteen thousand six hundred eighty seven dollars to seventy five cents. Okay. But it's not a crude interest or anything. Why aren't you on a payment plan because that was when I got shot at the gun shop. And your fault. Don't care. Well, it was on the clock, regardless, and that it was supposed to be taken care of. But it wasn't. No, it wasn't. I don't care then. Get on a payment plan. You freak. Why? You're credit if you want to get a new house. This might go to collections and fuck your credit. Yes, it could. You literally are thinking about getting a new house right now, and also don't get a new house. Guys, Brent. Please, Brent. If you guys are really scraping by Harry, we're talking about getting a mortgage. The other house, take the windfall, if you have it, pay off the debts. If you change your behavior, insert your life, get a house when you can, when you have a fully powered emergency fund. Why are we talking about getting in a house again already? So quick. You can't learn your lesson. You couldn't afford living in the current house. You live in now. Because we have outgrown. The house that we live in now. Why? Didn't you get worked? It's calm. Uh, because the heath, the owner fought it and threatened me with legal action if, uh, it went through. Well, we must have been in the right then. No he was not. Then fight it. I don't know. Because if you win, you'll have to pay for your legal fees. Yeah, I was about to say, if you were 100% right, then absolutely go, go for it. We can't find a lawyer that will take the case. Yes. Well, then you must not be in the right. But I don't know how I'm not in the right one. Yes, it happened on the job and then also at the same time, the lawyers aren't willing to take it on, buddy. I mean, they go, they go for the W. They go for the win. Now, the owner said that he was going to pay for it without a doubt that he was going to pay for it. And then for himself, like a dumbass, no, then he just completely, anytime I would give him a bill that he said he would cover, it would take him four or five weeks. And then on top of the four or five weeks, he would, he would have him in the hall. But why are you not in a minimally payment on this, dude? Because, uh, every time I try to get in that nut to, like, even just run it through my insurance to run that price down, that, uh, and then we'll just hang up the phone on it. And then it gets sent back to the, the former business that I worked for and then they send it back to Ed. No, and they, they, they keep sending it back so it's constantly in limbo to actually. So why are you just going to allow it to go to collections? Yeah. Until that situation is going to cure credit when you want to get a new house. Makes this makes sense. Like yes, that sucks. I have sympathy for it. I, I, I wish it wasn't like that. But why, you're self? Uh, because why let the consequence of this fall on your? Because his old boss said I'd pay for it. I agree. He's trying to hold it. Nope. I agree. I am on your side with this. I agree. But the consequence is he's not going to face any of the consequences you will by allowing this to go to collections. Yeah. I would rather get it on a minimally payment and then try to fight it. To me, it's more of like trying to snuff him, which would be a thousand three hundred eight dollars a month, which essentially eats almost your entire pay, by the way. Yeah. So I mean, that would be crazy. Shit. I mean, I, I, I'm on your side, I don't like it. If, if it is accurately under workman's comp, how do I do that? Talk to some lawyers, some big town lawyers. So you can get man. So you can get. Yeah. That sounds like a good plan. So that would be-- I would even give you a business card for a little bit. And I left two voice mails and two emails there. When. Uh, when this was still fresh. When. And a couple months ago, and you haven't followed up, come on. If you don't again, if you get results, he loses interest. Discover. Okay, well, this is actually here, this is what I would, this is what actually kind of concerns me, honestly, $2,308 in 47 cents, listen, okay, it's a balance, it's a balance you could probably pay off, but the thing is, you make a minute with your payment towards it, then you spend hundreds of dollars on it, make that make sense. Well, interest is a ruin, well, you can't even come close to paying it off, why do we spend money on it? And having that balance go up. Now the minimum, minimum to payment, entire 56 bucks, why the fuck are you guys spending on this? Who's spending on it? Who's card? This is what are you doing, woman? I had a dental that I put on there, and then I had to get a new license plate. It was the license plate, but why don't we put it on a credit card? Because we, I don't have enough money to, but he does, and that's why. What do we be joined? Why put it on something that is accruing interest that you can't put more than the minimum towards it? Hey, guess what? This takes nine years. If you only make the minimum to payments, what you do, and you don't spend on it, which you are incapable of. So this is going to take 18 years, 30 years, it's going to take forever. Yeah. I don't even have enough money to make a monthly payment on that. Joyce, why is it me, my, his, yours? Like, what the fuck, guys? So have everything go in and out of the joint? We're one. Come on. That's what I want. He grew up. Why? I had a very, my parents had a rocky relationship. So I don't give a, do you want you to, because you will and you are. It was working until it didn't, what? Because his dad told him, you make sure you have your own account and then you have your account. You can have your own account on the side, but everything goes in and out of the joint. Then if there's like some bullshit spending you want on the side, have it go from there from the joint. But bills and income come from joint and into joint. Well, I don't think that goes against your dad's advice in your dad's, anyway, so don't listen to him. See, as you reach, now he is, yes. Okay. Maybe he would give some at least like middle class. That's fine. Does he have a lot of dad? No. Okay, then maybe he's worth listening to and he doesn't, he, that wasn't necessarily the wrong advice, but your interpretation of it was incorrect. Everything goes and comes from joint. You can have your own account on the side. Well, yeah, I like to see it. Will I see it? No. I don't think so. Why? Why don't you think you'll see it? Because he's too set in his ways. He looks up to his dad. There's nothing wrong with that, but his dad's word is law to him. It can be, yes, especially when he gives solid advice. What level of life? I do listen to her, but you got to make things work with you guys. You can't just be daddy's boy for your entire life forever. We do try to make things work, but then she hides stuff like we haven't touched any of your hobbies yet. My hobby is that I spend like $10 a month. $5,000 for a camera. How about that? Yeah. How about all the five years? How about all the leather working tools? How about all the things? Five years ago. That's weird. I even bought it. Trying to cancel someone for something that gets you SD cards for it like last year. Oh, yeah. $20 for SD cards. Also, you bought it. I did buy it. Yes. What about you complaining that you bought? Well, because she doesn't, she won't tell me anything else she likes, so I have to completely guess. I am very hard to Christmas shop. She's terrible to Christmas shop. Okay. Then don't offer anything. She'll learn her lesson. Yeah. All right. I don't need anything. And yet you're so, I want to give you this. I want to give you that. I'm going to do this. I'm going to do that. And I do do it for you. And then now you're thinking about that now too. And I try to go out of my way to make sure you have stuff that you actually get to enjoy things. Yeah. I appreciate. Doesn't sound like it. I appreciate you wanting to spoil me. There's nothing wrong with wanting to spoil your spouse. But when I say no thank you, you go ahead and do it anyway. I had a mental breakdown because I asked for flowers for my birthday and he refused to give me flowers. I want to give her flowers. Three years. All I wanted was flowers. That's all I asked for. Mental breakdown. What did that look like? Have I given you a crying fit? No. It was like, and that was also like three, four years ago. Do you, you were having a mental breakdown? Because you cried and not getting flowers because I think that's kind of fair because you're a woman. You're a little crazy. I don't, yeah. It was three, four years ago and ever since then she's gotten flowers for her birthday Valentine's Day and then other occasions. It does finally give me flowers. No, but it took me crying and having a big issue because all I asked for was flowers and I wanted flowers and he wanted this. How does this relationship? It's getting flowers and just major events like, where's the love or what is y'all's relationship? We have a good relationship when it's like nothing else going on like if taking the finances out of the relationship. But isn't everything? Because finances will always be in the relationship. The kids will for a very long time be in a relationship. Finances are always, you always have a bill to pay, you'll always have income, jobs switching, so do you, is that not impactful? How often do you guys, a lot? Okay, that's good. A lot. Are we safe this time? She's snipped. She snipped. It can't get pregnant. Thank goodness. Okay. Let's go. There's better than most couples on the show. But if you think finances aren't going to play a major role through the rest of the time, like finances does play a major role, but whatever it will, but when finances aside and we're having a good day, we have a good day, bad day though. She will say it's my mood depending on the mood. And then usually the other way around, by the way, it's usually the woman and she, you're the woman. You're at bottom. No. No. Definitely not. Uh-huh. Because it'll be. It'll be your y'all's day. Comes down to your mood. You're a little pussy. Her mood does also affect me. Like, if she's in a bad mood, we mirror each other on the one side. We mirror each other. Yeah, but is she ever in a bad mood? Or is she only in a bad mood when you're in a bad mood? She is in her own bad moods all the time. Absolutely. Very much disagrees. Yeah. But you are the leading mood. No. Why are you in such a bad mood? Oh, the label was wrong. Or like USDA came down on us for like something. So just do your job, didn't I understand? I do. It's like not even like impacting your life. His issue is stupid co-workers, stupid drivers, or something like that. Everyone interacts with stupid drivers every day. How do you allow that to affect your own life? I hate traffic. Everyone does, and you live in the middle of nowhere, so you don't know what traffic is. Shut the fuck up. You don't know what traffic is, and everyone deals with traffic. If we let that impact our day life at home and kids and wife, like what is wrong with you? Just driving down here, it was like bitch this at. And it was like, dude, relax. Sometimes I do it for like, try to make a joke, but it doesn't work. Dude, I yell at everyone on the road too. I don't take it home and beat my wife like you do. Freak. How often times does he drinkin'? He doesn't drink. Okay. That's good. Chocking, I know. I thought you got to the bar with the boys though. Well, he does, but he doesn't drink. I don't drink in excess. It's only like one or two drinks. Oh, so he drinks. He just doesn't drink. He doesn't drink. I don't give a fuck. Okay, who's the freedom card? That'll be me. Okay, you're also more on. You're spending money when you can't pay it off. You made the minimum repayment than you spend on it. You owe $4,978 and 34 cents with a minimum monthly payment of $155. Interest is a crook and $105 a month takes 16 years to pay off if you do minimums. Don't purchase. But again, just like your significant other, you can't not purchase. What is wrong with you? Just buy something and then worry about it later, I guess, yeah. Let's see where that got us. Oh, his money isn't going to the beverages when he's going out with the boys. It's on the lap dances. That was not my money in that video, but yes. In that video. Yes. There's a video somewhere in the friend group that someone has a reenacting is pretty freaking gay. He's spending on a car. And it's Amazon, too. Pull up your Amazon. A little freak. Almost like half a thousand bucks on interest this year, actually, by the time. No, at the time, we are filming right now. It's definitely a half a thousand hours. It's crazy. So stupid. And that's all your debt. I mean, it's bad. But this is manageable, guys. I don't think you understand. Just don't spend on your credit cards. Get out on payment plan with the medical debt or actually fucking put the feet to the fire show places. Doesn't have the Amazon app. And just your parents say, like, this is not that bad, guys. He has three things in his cart instead of actually paying the shit off. Cast iron skillet. I guess you don't have that. Do you really need this big coffee pot? Probably not. You don't need, okay. See, he's doing it. He wants a fucking grinder. No. Dude, just get into the. A grinder? Yes. You don't need to get into the whole thing. Just get the small single serve. Shut the fuck up. Get pre-grunger beans. You're bored. You don't need to be. You actually don't make poor money for the cost of the cast iron. Get a canister of folgers. Okay. You can do better than that. But yes. I mean, I understand where you're coming from. Folgers is the only coffee company I know. That's okay. Yeah, I try not to spend two to often on Amazon every once in a while. Oh, yeah, all you did, you shut the fuck up. Dab would be too tempted. Shut the fuck up. Purchase history. Yeah, you're getting the Amazon gift cards and stuff, I don't know. It wants you to buy a massive battery, and what are you trying to do? Equal flow. Portable battery. For your camping, it's like $800, don't. You must be shopping for that kind of shit. We were looking at it for like stuff for like the house and stuff like that. Well, I got them and they're wonderful, but I have money. Yeah, the only big thing that we need to get is a flip and generator for the house. Every once in a while our power does go out. Our power went out when we were leaving the house to come down here. Yeah. It does. It does fall. Why are you angry at them for that? Because he's rather a buy it to use for camping instead of the house. Here's scary creature. I hate people like you, why won't you trek in your screen time already? Piece of shit. Okay. Checking out. Is this the joint chase? Uh, Chase will be my checking account. Oh, you spend a lot of money. Only 300 bucks in there. Yeah, it's all bullshit, dude. Like, you, yeah, this is your fault. You're pathetic. You're not a good father. You're a bad partner. This is disgusting. You're zelling out money, Microsoft, PayPal paying for steam games, Aladdin. Steam games. Aladdin, Aladdin. Aladdin games? Yeah. Why? Because I tried. Well, because you don't have the right airplane. No, definitely not. It's more so like I try to buy nostalgic games for my youth. Oh, shut. Oh, you pathetic freak. Do it later. You don't even play the video games you currently have. I do. What games were so exciting, dear, in your Hitler youth, uh, hit, hit man? Oh, my God. Shut the fuck up. Yeah. What's Aladdin? You're going to Aladdin every five seconds. Aladdin is the, uh, the shopping, like, kind of like what you're stopping it in and getting things for like four bucks. What are you getting? Uh, usually like salads and stuff like that when I was at college. Aladdin's like the. Go. Yourself pack of salad. Spotify. eBay? Yeah. There's a more collectible shit. Venny machine. Venny machine. Venny is a salad. Zelling out money. Zelling out money. Oh, yeah. Bullshit. Get it. Bullshit. Paypal paying for it. Disney Plus. eBay collectibles. Again. Taco Bell. Paying for. Paying for. Get it. Bullshit. Paypal. Paypal. Paypal. I hope I see your PayPal in here because you do a lot of PayPal and then eBay collectibles again in an Apple bill. Okay. So pay later. What's this? That is the PayPal paying. International phase. Uh, so that's. eBay again. So he's getting collectible bullshit. Yeah, that's reenacting stuff. Ah, what is this? That's reenacting stuff. Queue. Oh, there is more dash shit. Oh, oh, yeah. The mortgage. Okay. Okay. You have an equity position in your home. That's nice. Of like 70,000. Just about. Yeah. Hmm. You'll walk away with like what? 50. So 71,426,047. What's your interest rate? Uh. You don't know your mortgage interest rate? What's the top of my head? What's your minimum repayment? Uh, $673. I've seen $695. $695. Okay. I want to know your interest though. How do you guys not know your interest? That was 20 and more. You guys. One when we close. So there you go. You're going to go get a 6% interest somewhere when you're likely in a gorgeous like 2%. No, I think what the fuck are we doing? It's closer like 4% on the house. No, it's 3%. It's 3%. It's 3%. You're interested if you're lucky. Yeah. Good luck. Old second. Who's this? This is her. She actually has money. Maybe she can spend some. She has 3,700 in there. Going in and getting some bullshits and bullshit. Treehouse ventures. Multiple times. Uh. That's still kids like playground that she takes them to every once in a while money. Yes. Yeah. So it's like a play place like you take them to. But in this. What is this? That's this old second. There's another old second. Yeah, that would be our joint account. What the fuck? We're in the joint account. We're getting McDonald's door dashing burger king. Amazon. Amazon. Getting some bullshit. Amazon. Door dashing. Again. Paypal money out. Like, this is, again, this is bullshit. You guys spend so much money. You can't say you're scraping by when you spend hundreds. If not thousands on bullshit. You really can. It's pathetic. IRA. Well, nothing is like that. Her box, yeah. Exactly. Uh. Oh, this is your key. This is your key. Okay. Guys, I mean, you just don't spend the money on bullshit. And you should be able to make progress on this. We would. We would be fine. Yeah. It was. If you prove it for a few months, you can consolidate your debt with a personal on from galefamer.com. If you prove you can fix this, your behavior. So you don't end up in the same situation again. And you'll be fine. Like, I don't understand. This is so stupid. You guys are so stupid. All right. And then you guys are big right about now. Just don't spend money on bullshit. And there's nothing to fight about. Like what is wrong with you guys. Now, the minimum to payment might be higher if you have to get on that medical. And I mean, it'll your collections. If you don't, I'm unfortunately. But all that, including mortgages, 14 or six a month and nine cents, it'll practically double if you have to do in 90 cents. It if you have to do the medical. But what's your utilities gas electric internet monthly basis? Okay. Let's see. 300 bucks. 300 bucks. Like 10 phone bills. Well, you're under mom. You. 101. Do helium. If team mobile is getting their areas is the same kind of service, same towers. But I think you have to pay off your phone first if you don't. Yeah. So what 101? 101. Every quarter. Oh, well, if it's like that, then that's not that bad. I should have brought that up. That's death quarter. Yeah, that's like. And then we don't have to worry about paying for longer hours. Still more expensive, but that's fine. $33.66. Gas from from drive drive monthly basis. So I'm about 240 bucks a month. You. Probably nothing. It doesn't let you go outside. But maybe a hundred bucks a month. Going further than I thought, I guess that the enclosed play place and McDonald's. 340 cars. Chances. Uh, car insurance is 82. For both. Uh, his dad pays. My dad still pays for my car insurance. Is this 60 month. You're old on tip. Yes. And then she does. She does formula to. We should be able to do the household food on. I think less than this. But we'll start at 800 meal prep meal plan. Warm up meals doing the meal prep meal plan. Follow that. It's based on our grocery store HB. And I know Myers. Pretty similar. So shut the fuck up TV fun. Anything else you need to survive you and the kids, including going to the play place. I'll put it a little extra money there. I'll say 300. Let's see where that goes. Medical health care. There are copays, monthly basis for different things. Um, yeah, no. Medications, nothing. Okay. Good. Jim. No, Jim. Okay. Subscriptions. I'll try 50 bucks. You choose where it goes. You said there's pets. How many of what? Three pets. Okay. Healthy? Yes. Healthy and young. Okay. 150 for pet insurance. Because how the-- Would you guys take care of that? I don't know. Food, pet litter. How much a month? 100 bucks a month. Okay. Anything else that needs to be in this budget, that's not. See. I can't think of anything. No, I don't think so. Shouldn't be. Oh, she got anything hiding. No. Is he hiding stuff often? Yeah. I didn't find out that he-- Okay. We'll just stop. I'm making the budget. We'll talk about that in the post show. We'll talk about his hiding crazy shit that she found in the post show, apparently. Which is insane. But, yeah. Yeah. Just have even more marks against you guys. 3,587 dollars. Which you need to survive. Which means, guys, I mean, with your income before your second job, you have-- With your second job, what-- You're going to make an extra thousand a month soon? Yes. So what it's going to be? So this makes no sense. You're going to make 5,800 bucks. It's called a month. 3,600. You have to spend 2,200. This is-- This is-- What is wrong with you guys? Even if you have to pay all your debt back, medical debt, without selling your house all this shit. 2,200. You-- This is-- I don't understand you guys' position. It's paid off in literally just over a year. This is disgusting. You guys are pathetic. Stop bickering. Stop budgeting. Use dollar wise. Get on the same page. Stop spending money on bullshit. Make your money and put it all towards it. This is pathetic. Okay. We're going to figure out what he's been hiding. Maybe that's why they're all fighting constantly. So stupid in the post show. Let's give him a financial score first. What the fuck? Just over the year to pay off. This is disgusting. Spending in a budget. He won't even sell his guns. Go fuck yourself. He overspends your 10 debt. Well, nothing in collections yet that medical will be. But until then, it's not the worst. Family debt's not great. So I'll bring it down to a two. Emergency fund. No, it's anything. You had some money in your checking. No, we do not. I'm not going to count that much. Huh? How much? $3,000. Yeah, I was going to say $3,000. Okay. I would definitely put it in an account. Especially when you've had a home invasion. I give you guys a four out of ten. Retirement. That must have been what boosted up your score. It was what we saw in documents when you answered it online. Kill pepper.com for yours. But retirement score. I'm glad you have an IRA. But it's practically nothing. One out of ten. Real estate is actually half a decent. You owe the roof still for your mom. I'm going to hit that against the score. But it's still pretty good at a seven out of ten. It would probably be like a nine without that. Nine out of ten because of the mortgage. It was technical risk. Even though it's not necessarily bad. Three out of ten. Just like you got online, killhammer.com. Now click the join the best membership on YouTube with three premium shows every single day, six days a week including an extra 20 minutes of this episode called the Financial Auto Post Show. You can join the YouTube membership or you can join an off-platform at hammerlet.com or by downloading the hammerlet app wherever you wanna be will be, so you're in the post show. What the fuck is he possibly hiding? - She will sometimes go to reenactments so that she can spy on him. - Yeah, she thinks I'm, what? - She thinks I'm gay. - Yeah. - She thinks you're gay? - She thinks I'm gay, yeah. - I think you're gay. - Let me tell you something. - Well, why do you think he's gay? - He kisses the boys on the mouth. - And you said left answers. - Yes, yes. - We have video of it too. - There's a video of my friend. - From men? - Sometimes when they're out working and it's hot they have to strip down to just their underwear. You know, you can't be caught wearing underwear. Corvo, I think there's something else you're not telling her. - I just launched the brand new hammerlet 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 hammerlet access for free. 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