Groomer EXPOSED On Financial Audit

Dave Portnoy here. Football is here, and so is DraftKings. The DraftKings Sports app is now live in all 50 states, from Texas to California to Florida. And this September, DraftKings is giving customers the opportunity to get boosted every football game day. Every game day, all month long, DraftKings customers can get a profit boost on select football games. New DraftKings customers. Sign up with code SPOTIFY. Spend $5 and get $200 in total rewards within 21 days. Includes all markets. That's code SPOTIFY. In partnership with DraftKings, the crown is yours. Code slash offer. To watch episodes of Financial Audit a week earlier, check us out on YouTube. We met when I was 16, and he was bowling with my dad. Okay, hold on. We met then. Nothing happened, because, of course, she was 16, and I was 27. Yeah, I was a kid. Okay, so you were deathly in love with him. Yep. From the age of 16. Yep. Were you? I definitely had very strong feelings for him. Oh! I own him. She says that. Yeah. She just controls you. Well, he knew that getting into the marriage. Calm down a little bit. I am very protective over her. DollarWise is about to launch its biggest update ever. My team and I have been working day and night, and in the next few weeks, DollarWise Web goes live. For the first time, DollarWise is coming to your desktop, giving you a bigger, easier way to see exactly where your money goes. Plus, we're launching the DollarWise referral games with real money and huge prizes. You do not want to miss this. Download DollarWise using the link below and create your account now, because when the dollar. DollarWise Update drops, the games begin. I want you to be on the next episode of Financial Audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to calebhammer.com slash apply or click that link in the description below. Hi, my name is Bella. I'm 21 years old. Hi, my name is Adam. I'm 33 years old. We come from. Cape Coral, Florida. And this is Financial Audit. Thanks for coming over to Austin. I legitimately just gonna. I feel horrible for anyone living in Cape Coral. That's like the worst designed city in the history of America. It's actually so. But Bella, what do you do for a living? I am a CNA. Sure. Certified nursing assistant. I make $6,000 a month. Is that your net or is that your gross? Is that what hits your account? That's what hits my account, but I'm $6,000. $6,000 is great. Well, I'm $10.99. So, it's still great. Save up money for taxes. I mean, at 20. Well, I don't. Of course not. You're on Financial Audit. Yeah. Uh-huh. But listen, 21 making $72,000 a year. That's incredible. Let's just be real. Let's be real. That's incredible. Yeah. If you're that up, you're up your entire. Oh, that's funny. Well, no. That's funny? It's like a nervous laughter. That's a joke? Nervous laughter. I'd be nervous too if I wasn't saving money for my $72,000 a year that I was making. I was making at 21. Do you know how much that would be a year? $72,000. No, like for taxes. For taxes. How much? Set aside 30%. Be safe. Okay. What do you do, Adam? I'm actually going back to school to be an electrician. So, right now, I'm not working. We love the trades. Trades can be good. Good degrees can be good. There's a lot of good you can do. What do you do now, though? Do you not do anything? No, I don't work right now. I'm just going back to school. That's it. So, 21-year-old taking care of a 33-year-old. Pretty much right now. We have a baby. We need to watch the baby. You guys made a kid? Yeah. Are you guys married? Yes, we are. Oh, how long have you guys been married? We just had a one-year anniversary. Well, congratulations. How old's the kiddo? Two months. Wow. Fresh. Yes. Gotcha. Okay. So, usually when someone's like a two-month-old kid, the mom's like, you know, usually more taking care of the kid. Yeah. At this point, she's the one going working and most likely overtime for that. She's the one with the most income. Yeah. Well, you go pursue the school things. Not saying that you can't, but maybe you're waiting until the kid is like a year old, a little more daycare agey, a little more. No, no daycare. No, no, no. We don't want no daycare. Okay. Who the f*** is taking care of the kid? I take care of her during the day. I go to work at night and then he watches her at night because he's in school during the day. How do you take care of the kid during the day when you need to be sleeping? I sleep when she sleeps. You're taking care of patients. Yeah. And she sleeps during the day? Yeah. She's two months old. She sleeps all day long. She'll sleep like two hours at a time. Okay. What happens when it's six months old? Then he'll be out of school and working. I graduate in just a couple months. Oh, thank f***. Yeah. Okay. Okay, good. Well, okay. Well, actually, no, that doesn't make any sense because you're working nights. Yeah. You'll be working days. Yeah. So who's taking care of the kid? Well, hopefully I'll be making enough money at that time and then also, if not, then I'll be getting a second job. At that time what? When I graduate. You'll be making enough money for what? To be able to take over the bills and she wouldn't. She wouldn't have to anymore. For me to stay home. And she'll be a trad wife. That's the play? Yeah. Oh, trad wife. We're trying to trad wife? Yeah. Yep. Okay, you see your hair color. Yeah, okay. Mm-hmm. Oh, how'd you guys meet? So we met. 33 and 21, that's a bit bigger gap than most people. I don't know why you asked me a question and kept talking, but anyways, we met. I was adding context to it. We met when I was 16 and he was bowling with my dad. Okay, hold on. He was in a league with my dad. My dad, when I was 16. One second. 11 years, 27. Five years ago. He. I was 27. 11 plus 16 is 27. You're 28, but I didn't do the math. Well, no. I thought he was 33. Well, yeah, but I turned 22 this year. So. Okay, sure. But I was 16 and he was 27, yeah. Yeah. So we met. We met and. At school? Why is my girlfriend here? Which one? Fan Duel is now available everywhere in the U.S. I've been everywhere, man. So you can get in on the sports action no matter where you are, including these places. I've been to Georgia, Houston, Cleveland, Minnesota, Buffalo, Lincoln, Chi-Town, Arizona. Make this your most rewarding season ever with Fan Duel. Age and location restrictions apply. Product availability varies by market. See fanduel.com for eligibility. Gambling problem? Call 1-800-GAMBLER. Is she the one in the green hoodie? No. No, he's 27. He's 27 years old. I just told you we met at the bowling alley. I just told you we met bowling. Okay. But so there was a. Good place to get your prey. There was a song playing called Keep It Shuffle. I'm sure everybody knows it. And he was up there doing the dance and I saw his cute little butt and I was like, oh my God, I need to have that. But obviously I was a kid. So I had to wait until I was older. So then when I was 19, I reached out to him. So you're like a teenager, not a kid. But yeah, go on. 16 is not a kid? Well, kid, kid. Kid is anything before 18. Is it? Yes. Okay. Kid just has a little infantilizing to it. Trust me, I'm not advocating for the 16 year old thing. No. To be clear. But usually I would call it like a teenager. Ben knows where we sat there. His words do matter. We met then. I guess you didn't say child. So kid. Okay, whatever. I'll go with kid. Yeah. We met then. Nothing happened because of course she was 16 and I was 27. I knew it wasn't worth pursuing it at that point because I knew I didn't have a shot. It didn't blow your ball into her. No. I wanted him to. We actually. Oh my God, my insides are on fire. We waited until marriage. Yeah, we waited until marriage. That's why we have a two month old on our one year anniversary. You know people can have sex without making kids. Well, we don't. Yeah. Does she? Because she seems to imply that that clearly meant you guys hated for marriage. Well, no. She was just saying like that we did wait until marriage and that's why. Yeah. That's why we got married on our one year anniversary. But when she was 16. Yeah, we got together when I was 19. Waited until marriage. What were you doing for those three years? What are you doing? Me? Just hanging around. Me or him? Both of you. Well, I was actually engaged. In terms of y'all's, you know. We didn't. We actually lost contact and didn't talk. Yeah, we didn't talk at all. I was engaged to someone else and we bought a house together. When were you engaged? When I was 18. Okay. And then got unengaged in a year? Less than a year. We got unengaged. We got unengaged in like two months. Yeah. She's a keeper. Okay. And we actually. And you're like, I remember a predator looking at me when I was 16. Let me go get him. Well, I never stopped loving him. She's the one. How'd you know you loved him? Well, because I saw him every single week at the bowling alley. Okay. So don't say you didn't have contact for years. Well, no. How'd you love him seeing him? I loved him because I saw him like a year. So every single week. I would see him until I was like 17 years old or whatever. And then I was offered a job to go move to New Jersey when I was 18. So I moved to New Jersey. And you guys hung out and talked and had a lot of fun those that year? Well, no. I just saw him at the bowling alley. So how were you in love with him? Because I talked to him at the bowling alley. That's what I was just asking. You said no. Oh, I think you meant outside of that. No. Outside of that, no. Okay, yeah. At the bowling alley, yeah, we would talk. Yeah. I actually taught her on how to flick bottle caps. Yeah. Have you ever watched like Cobra Kai? I taught her how to flick a lot of things, didn't you? Nope. - That's all. - Do you know Cobra Kai or like Karate Kid? - Yes. - So you know how I like flicks the bottle caps? No. So you don't know it? I know the show. Doesn't mean I've watched it. So then why would you say you know it if you didn't watch it? Because I know what it is. What do you mean? Okay. I know what China is. I've never been. Why not? Good one. Yep. From the age of 16. Yep. Were you? You are a fast mover. Please have a seat right there. But no, we never did it. There it is. Okay, that's what I was trying to get. Thank you. Very good. So then I was engaged to someone else. Okay, so it was more of the wait for legality thing. The classic groom maneuver. I think I groomed him, if anything. Yeah, if anything. Honestly, maybe. But the thing is, it's like obviously with ages and stuff, you know how it is and how it looks and wants to be real. And okay. So you left the man for the dream man? No, he left me. You're the guy who left her. No, he left me. Because you were more interested in people. Probably. I mean, I literally tried to turn him into Adam. A predator? No, I just tried to turn him into like that kind of a person. So like we met him or I met him in New Jersey and we moved back to Florida and we bought a house together. And so I made him buy a truck. And two months of engagement? Well, no, this was when we were dating still. When we were dating, we moved here. We moved to Florida. When did you start dating this guy? This doesn't make any sense. No, how long were you with him? A little under a year. You moved and bought a house together in under a year? Yeah. You're. Go on. Yeah, pretty much. I've actually told her that with that guy. How old was he? He was 24 and I was 18. Allegedly. Okay. I was. I couldn't have worked at, you know, a shop under 18. I worked at 16. That's a legal thing. In a mechanic shop? In a dealership? In the shop? Did you say that specifically? I don't know. Well, you don't pay attention. That's not my fault. Fair enough. So I met him there and then we moved back to Florida. And we were living with my parents for a little while. And he said, "I paid it here. We need to leave. We need to get our own place." And I told him that I didn't want to rent and I wanted to own. I didn't want to give people money and not have equity. You still own this house? Yeah. Okay. Well, I guess you got a free house. You don't have to pay taxes. You just waited. 16, 17. Boom. I can go. Okay. That's on 19. Yeah. That's because she was distracted. Yeah. And then he took me to court after he left because he wanted me to sell the house even though I was living in it. Right. But I just looked down and I see it's six to eight months. Seven. Seven months. Okay. Seven months behind? Yes. You make money? Yes. What the fuck is wrong with you, creature? I didn't make this money before. How much? How long have you been making money? But he was making money, right? You just went to school. It was a little while. About six months. He's been in school for like six months. Yeah. It's been about six months I've been in school now. So the moment he went into school, we just stopped paying our mortgage? Kind of. Clearly, we couldn't go to school yet. We want to lose this house? Well, we had people coming in to rent out the other two rooms to make up for the money. Yeah. We had people coming in to rent out. And how'd that go? Because you weren't paying the rent. No. They weren't paying me rent. So I couldn't afford the mortgage anymore. I wouldn't go to school unless we know we can at least pay our bills at a minimum or have enough saved up to take care of the minimum monthly payments, man. That's the thing is I've offered to actually sit there and stop going to school. Put a hold on it. But you already have the loans. I'm talking about going in though. Going in. Okay. Okay. Okay. But that's why we got the people to rent. How long have you been in this job? Technically three years, but I just recently went to full time. What's just recently? I went to full time. How long has it been? A couple months? It's been about three months. So why are we still months behind? Because I went into a forbearance with the mortgage because I didn't want it to foreclose. They gave me all of these options of what I could do like after the forbearance is done on how to pay back that debt in the arrears and they gave me a million options and I said, that's great. You know, like maybe we can push it back to the end of the loan or we can, I could pay it back slowly or whatever. When the forbearance was done, they said, oh, well you need your ex fiance to sign any of those options because his name's on the mortgage and he's in New Jersey. Nobody can get a hold of him. We have no contact. Nobody can. We've all been sitting there trying and even the bank has tried everything and nobody can get in contact with him. Well, yeah, I wouldn't rely everything on someone we can't get in contact for. So maybe just like you've been three months, pay the bills. They didn't tell me that when I got the forbearance that he needed to sign any of those options. That was a while ago though and you've been making this good money for three months. So why haven't you started at least paying? Because we have other bills to pay too because he's not working. Yeah, but keeping a roof over your head in an equity position. I have rent. I have rent to pay. I don't live in that house anymore. What the f**k? Why? Because we have people renting it now. Oh, I thought you were renting rooms besides the rooms you guys stayed in. We were. Okay, if people are renting, are they paying rent? They are now. Yeah. Then why aren't you taking that rent and at least putting some towards the mortgage? Because we already sat there and put in for the forbearance. So as of right now, we don't have to pay until the end of November. November 31st. Oh my goodness, it's dramatically under value of what you purchased it for. It is. Yes. Shit, you're f**ked. Yeah. We should let it foreclose. Okay, guys. So what's going on here today? What are we talking about? Well, I didn't even want to come on the show. Oh. Well, happy to have you. The one that sat here and pretty much made it where if I didn't come that we would pretty much end in a divorce. So now I'm here. She's been obsessed with you since 16. Do you think she'll ever divorce you? She really, really wanted to come on here and she was sitting there. Why? Pretty much telling me why she really wanted to come on here. Yeah. And why is she pushing you to do? What's going on? Look at your first paper. Yeah. Because you're f**ked and can't pay your bills even though you make money and people are paying rent. Well, she's not f**ked. F**k. Uh huh. Okay. But she sat there and. She dyes her hair like that in 2026. This is the first time I've dyed it in like five years. Which makes you f**ked because you look like someone in high school in 2011. So I look hot. Okay. I know you guys are obsessed with being attracted to people in high school, but no, that does not mean hot. You didn't say no. No, you're not. No. You're five. You're five. I'm like a two. Yes. It's okay. And I'm not good. I know I'm ugly. It's fine. So are you. So it's okay. Yeah. At least he's tall. Not like you. I'm five nine. I'm the average American male. Thank you. I don't think you really are. So, okay. It doesn't matter. She sat there and just was pretty much making it to where it seemed like we were going to get divorced if, or she was just going to be pissed at me for the rest of our marriage just because she really wanted to be able to come out here and go on to the show. Why do you need to drag them on? What's going on? We have a decent amount of savings. We have a decent amount of savings, but we have this lump sum of money that we have to pay by November 31st for the mortgage, and I have a bunch of other things that you're going to get into, and I just want to figure out like- What's the lump sum? It's like $28,000. $28,000? Yeah. Yeah. Okay. Well, to drag him here specifically. To figure out how to do it. Because he's not making any money. Well, he will when he's out of school. By the time this is due though, barely. I mean, he would get, what, a half a week of income, maybe? Right. Yeah. I mean, you dragged him here. You forced him. Yeah. Because this is our stuff. What is the big threat? Okay. It's still our stuff. He has to be involved in some of the things. So how are you guys doing? How's the dynamic in the household? It goes up and down. I'll definitely say, especially with everything, but as of right now, she kind of controls a lot of stuff that deals with it, especially because I'm in school. She tries to kind of controls everything. Why are you such a little cent bitch? Sometimes, to me, it's easier to sit there and just let her do it. Let her say what she wants to say rather than get into an argument. Say, sure. But what about the actions? Her controlling? Controlling the money and all that good stuff. I am letting her control the money because I also, again, like I said, I don't sit there and work. So all the money is hers. So as long as I sit there, have money, be able to go to school for gas, then it's up to her really what she does with it. It's not just that. So you don't care? It's not just that. It's not. So we have a joint account and we never had money when we were living together. When we were living in the house, when we had people renting our rooms, we just never, ever, ever had money in the accounts. And I was like, what the fuck is going on? So I would look at it and it's gas station, gas station, buying shit on my phone, buying shit on my phone for my game. So I told him that that shit had needed to stop. And guess what? Didn't stop. So I took his debit card away. I said, you're done. I said, you're not spending any money at all. You just accepted this. Which by the way, yes, you're doing bad behavior, but she fully just takes your debit card away. Okay. No, it wasn't a straight acceptance. We got into a big argument about it and I was like, I could sit there and just take the card off my phone. But we have savings now. And I sat there and said, we could sit there. We have savings and why the fuck are we not paying our mortgage? Because we have this lump sum to pay. I got that. So saving for that lump sum is the whole reason. That's going to take a lot. I meant before, but yeah. But I was, cause I worked, I used to work outside for a living out in the heat, everything like that. I mean, Florida can get to a hundred and 10, 115 degrees with humidity. So does here. Is that what you do like the whole south? When I worked outside, we would never really get drinks from the store for me to really take with me. Why? I mean, that's easy. Go to the store. That's where I was getting at. Well, that's different. Not always. There was a long time where we weren't getting me stuff. Not until you noticed I was spending a lot of money at the gas station on drinks. Then you sat there, started buying me drinks and then it was new. You have no ability to advocate for yourself? No, no, no, no, no, no, no, no, no, no, no, no, no, no, no. You can't ask? Well, whenever I ask him what he wants from the grocery store, he tells me he wants buffalo sauce. Exactly. Like, what the f*** are we doing? That's it. And sweet tea. That's it. My girl's the one who goes to the grocery store. I haven't been in a grocery store in forever now. She takes care of that s***. But I still get water bottles, and I keep water bottles in my trunk just in case, like, you know, whatever. That's what I started doing, and I started getting a case of water. And his work paid for that. Yeah. But he still paid for it anyway. Because I like to just drink in water. Yeah, he doesn't want to drink water. I don't give a s*** what you want, though, do I? Like, I'm trying to keep you alive. Yeah, he complains about being dehydrated. Well, he is out there in the Florida sun and humidity and all that stuff. He does need electrolytes for what it's worth. So, I mean, Gatorade's not the worst. I would get a whole bunch of Gatorade and keep it on me and drink it. You would get, like, three every single day. And then you'd get hungry and not bring the lunches that I made you and then go and buy pizza or this or that at the gas station. Do you feel like a child in this relationship with the way she treats you? Sometimes, yeah. Yeah. Definitely, there are times where she makes me feel like I'm just a little kid and I'm like, we actually got an argument about it the other day. You're on a reverse card. Yeah. Well, you don't act like it. Like, I don't know what to tell you. I know you, okay, you didn't do anything and all that good stuff. But you guys, you've been into each other for a long time now. Yeah. Okay, 16 and all that good stuff. Got it. Yeah. Why the f*** are you putting up with someone owning you? That's how marriage works. I have a receipt. Owning? Yeah, I own him. I own him. I own you and I also own her. She says that. Yeah. I also own her. Okay, except you don't get any ownership. Yeah. And you don't push back? I do sometimes, but then. What does it look like when you push back? Depends. Sometimes it's, she just gets upset with me and then sometimes I get right back at her and I'm just, I'll just shut down because she'll sit there and just make me feel like a piece of s*** or something. So, and I'm just like, all right, whatever. Yeah. I'm just like, okay. Yeah. Try to stop it and that's it. Which I don't understand because I try and have conversations with him about money, about household things, about whatever. And he just throws his hands up and goes, well, I'm just a s*** husband. I'm just a piece of s***. Well, I mean, I've talked to you for 23 minutes. I hate speaking with you as well. So, I mean, I'm surprised you haven't killed yourself yet. Please don't. Don't give him ideas. I don't have life insurance on you yet. So, don't do that. Okay. Ooh, okay. Back to you guys. Okay. How often are you guys fighting about this, especially about the finances and all this stuff? Well, it's more so I stress about it like every day. And then every once in a while, he'll just get pissed off. He's like, oh, you talk about his money. Oh, you care about his money. And I'm like, no, it's not that I only care about money. It's that we owe $30,000 just to the mortgage that we're behind on. Like, that's kind of a big factor in our lives. Like, we have a child. We want to have more. Like, how can we be behind on s***? You want to have more with someone who won't treat you like an adult? That's crazy. What is wrong with you? There's a lot. Great. But no, it's one of those. I love her no matter what. And there's not always that she treats me like a child. You're desperate? There are some things. No. What the f***? Then why do you love someone that treats you like a child? She doesn't always treat me like a child. Yes, there are times where she does. Very frequently, it sounds like, though. It's just about money, though. Oh, like one of the most important things in our entire life. Keeping a roof over our head and all that. Yeah. And that's why I took his s*** away. So it's just about money. That's all. That's why he took his s*** away. Yeah, that's insane. He's not a toddler. He's not a toddler that you're grounding from Xbox. Kinda. Yeah, exactly. That's what I'm trying to say. Yeah. Well, he needs to stop spending all of our money on gas and pizza. That'll never change his actual behavior, though. You guys have to build budgets together. You need to discuss things. You need to get on the same page. And if you guys aren't on the same page, well, that's one of the leading causes for divorce in this country. But why is it so much better when I have his balls in my purse? Okay. It's so much easier when I just deal with everything and he goes to work and comes home. Is it actually easier, though? Because he'll, again, never. That means you need to have. You need to have his balls in your purse for the rest of your life. Okay. Instead of him actually. That's the plan. What? Instead of him growing up and being able to produce and contribute to the house? No, that's the plan. That's the whole plan. The plan is just for me to sit there, be working all the time. And I do everything. And she deals with all those stuff. I take care of the kids, the house, the bills, everything. He just goes to work, gives me his checks, and then comes home to, you know, happy kids. Is that how you envision it? Is that what you would like to see? My thing is for her to sit at home, take care of the kids and stuff, and me be out working. Yeah. I'd like to be able to sit there. Taking control of everything? The bills? You just hand your money? Yeah. To me, it is easier for her to take care of the bills because especially when I do start With her controlling your debit card and everything. Well, no. That, I hope, will change eventually. That's crazy. 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That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials. But they're not going to force you to use it his way. They're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise, built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now. Start the free trial. DollarWise.com. Link in the description below. Were you guys. Not raised properly? What the f*** is this? Did you guys' parents, were they like abusive or something? Like, what the f*** is this? What about another? Oh, there we go. I think we've f***ing learned something right there. Yeah. No shit. That you guys are okay with this. No shit. What the f*** is wrong with you? It's like a trad wife. No, a trad wife is usually more submissive. A trad wife doesn't destroy and control her husband and destroy his ego and beat him down to nothing. But I'm from New York, too. So I have like that asshole blood in my body. She's an Italian New Yorker. Good. And you're okay with that. I'm kind of the backwoods countries. Backwoods countries are pathetic. No. Well, no. He does like all the stuff with his hands. That's good. I don't understand her taking your debit card, though. That one we still usually fight about, so. Yes, that's clearly the topic I'm talking about. I'm not going to let you buy some bullshit with my money when we're behind on shit. That's why I say don't say much about it. But when I do start working, that's where things can be different. That's why when you start working, you'll get your allowance. And then you can buy whatever bullshit you want with it. How do you feel about her relationship with money and how she's controlling it? The only thing I like is that I do know that usually she sits there and is pretty good. Like, hey, we need to save this. She's pretty good at making it where we need to save it. She's the opposite of good. But either way, how do you feel about the dynamic? You feel like she cares about money more than your relationship? Sometimes, yeah. Sometimes I feel like she definitely lets it get more in between us than anything. Is it ruining the love? Is it ruining the magic? Sometimes, yeah. Because there'll be times where she gets extremely stressed about it. And what kind of seems like it takes it out on me rather than on just like us being able to sit and talk about it. I don't know. I try and talk to you and you just throw your hands up. No, you sit there and say about how things are my fault. Like what? What is she saying is your fault? You'll sit there and be like, oh, well, if you weren't sitting here buying drinks at the gas station, you might have an extra 10 bucks to put into something. It's not $10. If it was $10, I wouldn't care. I'm just meaning a day. You don't have an extra 10 bucks a day to be able to sit there and give me, put into something. That's hundreds of dollars a month. You know that, right? Yeah. And it's also my health and safety. It's not your health and safety. For being a diabetic outside working. I can buy cases of water and cases of shit at Costco. Okay, water doesn't do anything for a diabetic that's sweating his ass off every single day. I can buy cases of Gatorade at Costco. Then you don't. That'll be a lot. Because you don't take it with you anyway. Put it in his car. Yeah, I can just put it in the truck and I'll take it. It's my responsibility to put shit in his car. No, but if this is your big bitch and moan, then you can help. I mean, aren't you controlling his every move? Yeah. I mean, this is right in that subscription. I guess I could, but I feel like I do everything else. And this is where you draw the line opening the trunk? He doesn't have a trunk. He's a truck. There's no trunk. I'd have to put it in the back. Back of the. truck if it's not in front of his face he won't eat it or drink it so if i put it in the back he won't see it he won't know it's there or he'll forget that it's there and then go to the gas station anyway and the shit will sit back there until it gets back making him feel about your relationship though how this is putting him down how he feels like the magic and love is going away because of how you treat him because of how you break him because of how insane and crazy you are well he knew that getting into the marriage he knew that i was a crazy bitch i mean he's expressing how it is damaging the relationship now you don't care no i do care do you because you don't fan duel is now available everywhere in the u.s so you can get in on the sports action no matter where you are including these places and georgia and houston cleveland minnesota buffalo lincoln chitown arizona make this your most important moment in your life most rewarding season ever with fan duel age and location restrictions apply product availability varies by market see fanduel.com for eligibility gambling problem call 1-800-GAMBLER stop i do care but when why don't you do shit because i'm drowning in debt and we have a kid okay so this is already a problem why make it a bigger problem between you two why destroy your relationship because i'm not letting him get his bullshit he didn't say that he says how you approach him when you're stressing with finances you go and you berate him it's stressful it's stressful i don't i mean like i just like i feel like i try and bottle up so i don't bring it up all the time he should be able to come home and berate you if he wants to really that's how a good healthy relationship is you would feel good about that is she just venting to you no not usually but i know there you i know how she i know how she is so that's why a lot of times when she tries to talk to me about it i just shut down because i know she's not meaning to come at me that way but she's just so stressed maybe she is how can you even say she's venting because what is that that's not right i don't trust your interpretation how is it when she comes at you what does she do so usually it could depends on exactly what this time that she's stressing about with it money but usually she just comes at it to where she's like man we're so far behind behind i don't know if we're gonna be able to make it i'm like babe i'm about to be ending school i was like if you i was like i can end school now i was like i could and now and i can just put a pause on it and come back to it because it's it's an hour-based course no you still need to attend we need to do we need to test but it's based on the hours that were there so i could sit there take a break and come back to it when we are better you only have a certain amount of time after your graduation date to go back to it but it sits there and makes it to where when i try to say anything about it that she just ends up being like no you're just going to do and i'm like just let me go work because you're stressed so much about money i was like let me just go get a daytime job or i could just sit there and just switch to nights it's going to take longer for me to finish because there's less hours i could do at night but i could sit there and switch completely and just get a daytime job but i'd rather you be done with school and actually just go get your job and make more money than trying getting a job at mcdonald's or the gas station or whatever and you like pushing your schooling time out even longer could you have done it if you weren't just full steam at all times that's what he's doing that's what i'm doing right now so it's like i'm almost towards the end in a couple months i mean kind of i mean i agree or disagree the disagrees you guys can't pay your mortgage and you're going to lose a house like that's where like that's not an option anymore i'll get you a course career certification and uh the trades as well i believe there's some extra to back up what you're doing a lot of people in the audience have converted those into six-figure jobs highly recommend course careers yeah i've been looking at a whole bunch of different courses i want to go i'll get there you go but the thing is in the end you want to back off be a stay-at-home mom take care of everything and have them provide back off your job oh yeah i thought you meant off of like all the bills shut the f**k up my question is how do you trust this man to be a provider he's a pathetic wuss because he's a man like you said no he's not yes he is really where's the demonstration i haven't witnessed any behavior here that sounds like someone that can go out and get s**t did well anytime that we have any problems at the rental with the water the ac the whatever he goes there and fixes it if i'm not mistaken i believe i read before that when you guys got together he couldn't even provide and put a roof over your head you guys were homeless that was for a whole bunch of things that we were talking about because of situations that have happened in the past yes great but if you're a provider you can get a roof over the head you were homeless well he didn't have a job he didn't have a job at the time when great what a good provider do you not understand the example that i am making here based on your history that's why he's okay people work without being in school though i know so this is not the person i'm trusting to be the provider he is not very good at being a man okay i trust him how you guys were homeless when you first got together which was not that long ago by the way but either way when were you homeless last year we were homeless for almost a year so so we got wait you owned a house though yeah but yeah so she sat there she had people running at the time and she actually chose to be homeless with me so i sat there you suck no i sat there and i yelled at her oh that's good because i didn't want her to be staying in the truck with me i wanted her to stay with her well yeah where do you think homeless people sleep tents no i sat on the side of the road i don't want you to be homeless what the you talking about i don't want that i was assuming babe let me finish so we sat there and made it to where i was because of some situations that happened what i was living with my sister she ended up she kicked him out because of our age gap of our age gap and stuff yeah she didn't like she didn't like that i was dating her you were 19 yeah but i was 30 yeah she didn't like it she didn't agree with it so she kicked him out and then that made it to where i was homeless and i sat there and i was like all right well i'm gonna start saving money be able to get into a place because at first i was trying to pay i feel like i'm missing something no i feel like okay i don't feel like she'd kick you out from 19 but okay well she did what about your parents why don't you guys live with your parents because the dad doesn't like me because we were friends yeah before and then well you were friends with her dad well we were in a bowling league together so we used to drink and stuff in the bowling league together yeah and she saw and he saw you guys being friends for so long at 19 mean her got together and he did not like it yeah not unfair no it's not unfair but i mean it was shitty to make me homeless at 19 but but that was also i mean it's your choice you go work dude like i could have also sat there and stayed with them it's just because they didn't want me there and also you owned a house so like what are we talking about well yeah because i couldn't afford the mortgage so i know but there was i'm just saying there was a there was many options no no when i was with my my ex-fiancee he was paying the mortgage pretty much gotcha and then he left and i couldn't afford it anymore so my savings but you could rent out rooms and here's the thing let's pretend you couldn't even do that you could get a job work full-time and pay for a roof over your head then you could then you did over three thousand dollars a month and how much are you collecting in rent i know i didn't i had one of my rooms being rented good then you could have lived in another one i did but they left listen to me they left and i couldn't afford it anymore so i had someone rent out the whole house good then you could go rent a place of your own and i left to go live with my parents and they weren't paying the full mortgage so i was still out i think 600 bucks a month when your parents kicked you out you could have got a cheap rent i didn't have the down payment though for it okay but even government housing you could apply for oh probably i have no idea about that see there's always options yeah i was 19 i don't know about government assistance and stuff what you don't have access to the internet you're i told you clearly she is you can't say she isn't if she can't use the internet at 19 that's kind of crazy you know maybe her sister's right if she is that's what i said his sister you said her sister you said her sister oh sorry maybe your sister is right though if she's too to open her phone at 19 maybe she is too much of an infant to get with someone who's an adult you know you bitch at people all the time when they say oh i'm young i'm still a kid and now you're calling me an infant and i'm not saying i'm not the internet i was making an example of how stupid you were being and you're too stupid to even understand that like what the fuck is wrong with you maybe you're still an infant today brought to love not fully developed well you're 21 did because you're acting like an idiot you don't understand what i'm saying also the mortgage is 2 200 a month it's only 3100 no it's not before no it was 22 88 10 and then my escrow account went negative it went to three thousand one dollar and 92 cents a couple months ago i think no because you were talking about the 3100 mortgage and you're kicked out of your parents house yeah well so shut the fuck up you're a liar you're an excuse maker and you take no accountability it doesn't matter though you said you couldn't afford 3100 no it wasn't that back then it wasn't that number you dude you're just refused to take accountability and you're a you're a bitch calm down a little bit i am very protective over her she was homeless you freak yes she was protective Shut the f*** up. Shut the f*** up. Oh, got me. What? Huh? What are you going to do if I don't shut up? Who wants to pick a fight with a guy punching metal? Poor fun. No one who's protective over the spouse recruits them into homelessness. You f***ing freak. Protective over her? She's about to lose her house and you won't work. No, no. Protective for a little freak? Shut the f*** up, protective. Protective? You can't even protect yourself against her. She owns you, you little cuck. Shut up. He owns me too. This shit's on paper. Except there's nothing to show for that. You do everything you want to do and he does everything you want to do. So he doesn't own you in any way. There's nothing. There's nothing here of which he has ownership and control. Over who she could talk to, over what she could wear. Mm-hmm. Oh, yeah, he did choose this. I don't think a woman would, so. No, actually, she chose that outfit, not me. I have a select few things that I'm allowed to wear. You guys are f***ing freaks, dude. Select few, just you're not allowed to be showing off your body. Right. Trust me, no one wants to see that. No one wants to see yours. I'm not showing it off. Neither am I. I know, but he said you can't. No one tells me I can't. I just know not to. Well, you can't. I just did. Okay, believe it or not, not every man that you talk to is going to be a pathetic little bitch like him. If you say so. Like falling. That's one of your little rules. If you say so. Who came to figure out how much her mortgage was a couple, like a year ago. I literally told you it to the dime. A year ago. A year, you were wrong. No, it's $22,8810. Earlier you said $3,100 when you were kicked out of your parents' house. No, $3,190. When you were kicked out of your house. Yes, you said that. No, it was $22,8810. That's not what you said, though. You did say it was $3,100 when he was kicked out. Okay, so I screwed up. You've never screwed up in your life, but I know the numbers by the penny. So, how are the financial decisions made in this house? You just do? Yeah. And he gets no input? Yep. That's especially what it was at first, was I didn't even know what was going on. And I was actually pissed about it because I was like, especially when I was working, I was like, where's all my money going? It's like, what's getting paid? What isn't getting paid? Like, I'm still getting messages from collection things and from yours. Everything that's here? Yeah, so she had me on like a couple things. And like everything was like, what is going on? You're trusting someone who had collections? And everything that you were on that allowed you to co-sign on things that went to collections and you're trusting that person? Well, now that we sat here and we've been trying to get a lot of stuff and we have done stuff in the got a lot paid off in the past. And now we're just trying to come here for help to try to be able to sit there and get like the rest and get. That wasn't my question. You're trusting that. How? How does that person have trust that got you to co-sign on things and went to collections? Most of our bills are paid. It's just there are certain ones that couldn't because I ended up sitting there going back to school. They end up going into collections and stuff. Yeah, I have a car that got repoed, too. Wow. Yeah, that's who we should trust to do. She can't even take care of herself. What the f*** are we doing? I'm taking care of myself now. That's why now she sits there. I wasn't full time. She's behind six months. I know, but I wasn't full time before. You have nothing to stand on. Both of you are trying to stand on this high pedestal of your relationships, your morality, your manliness, your responsibility. He is very manly. You're right. You're very manly. You're very manly. Uh-huh. Mm-hmm. Okay. Yes. At least you know. Yeah. Uh-huh. Mm-hmm. Okay. Yeah, great. Uh-huh. So you guys are really trying to stand, put yourselves up there. Look at your entire life. You're pathetic, and you don't know what the f*** you're doing, and you're controlling f***. I know what I'm doing. Because the mortgage company didn't tell me that I needed my ex-fiance's signature on stuff. And the car company didn't tell you you had to pay the car, and the collections that went to collections that he signed up for didn't tell you you had to pay those bills. The collection ones are definitely because I decided to go back to school, and it was my fault because I thought- Everything just with the collections right now? Not too long ago, yeah. Stuff started going in collections. Nothing from before? No. No. Mm-mm. When was your repo? No. Mm-hmm. Four months ago, I think? Then why the f*** did you go through bankruptcy at 19? Oh, s***. Oh, no. That was supposed to be from then. That's, oh, oh, what a troublesome thing to throw into the conversation. I know. I f***ed up. Really? I'm sorry. Yeah. Two years ago. So, two years ago, yeah. And you did not change your behavior. You're there again. So, no, don't try to put yourself on that high pedestal. You're not. You're not that guy. You're not that guy, pal. Trust me. You're not that guy. You're not. You never will be. Actually, you might be. I hope you do. Yeah. Because I was a f*** up, too, financially. I mean, I'm still f***ing on a lot of ways. Everyone is. Who isn't? Right. But the thing is, don't try to pretend like you're the financial expert. Well, clearly not. Yes, but you've tried to make it sound like you know what you're doing. You don't. Stop. Like, dude, I don't f***ing know, man. You're literally renting a place when you own a house. Yeah. You guys at least like the place you're renting in? No. Ha! Well, I do. You do. I do. I didn't want to. Yeah, that was a. Why? I wanted to stay in the house. Well, yeah. And just have. Which you guys can afford, by the way. I mean, you actually can afford that mortgage payment. Even after you put money away for taxes? It's stretched very hard. Listen, with you and your child tax credit at your income level. We just had her. I know. But even with that, it's like your tax bill is going to be a little less at the end of the year. We're rewarding f***ers like you. That's just how our society is built. So. Uh. And plus your dual income household. I mean, at that point. How are we a dual income household? He doesn't work. With your dual income household, you filing jointly, because he doesn't work, your income's a lot less. We don't file jointly. Well, do. Okay. Because it'll make you guys look a lot better on paper. I'm helping you. Take advantage. Okay. Do you even file taxes? Yes. Every year. Correctly? Well, no. But I file them. The government. I have to start paying taxes next year. And I hope. I've got to start paying taxes for the past few years. No, you got money back this year. What do you mean you. Yeah, but she hasn't done it correctly, she said. Yeah. What do you mean you haven't done it right? Tell me. Well, because I have my 1099 job that I make the six grand a month. And I was also working at a grocery store part-time. And that was a W-2. So I only filed my grocery store income. So that I would get a little bit of overtime. And yet they are going to get child tax credits and benefits and all those good things. You also didn't get your 1099 paperwork. So after we did the country stuff. I've never gotten my 1099 paperwork to file. No, you've never gotten it. But I could have asked. They never gave it to us. No, I know. No, I know. I know. I just didn't ask for it. And this country, it's been a failed experiment. We've gotten too bloated and we don't care anymore. And we just allow people like this to abuse the system. The only way that other countries have actual social benefits broad is because the middle class pays substantial taxes. And I don't want to. Okay, great. It doesn't mean you can just skirt the system. You have to pay your taxes. If I have to pay my millions, you've got to pay your taxes. Because I'm paying for your benefits. Yeah. The child tax credits and shit you get because you decided to reproduce. She's adorable. That was your choice. I don't give a f***. You should give a f***. She's adorable. We were at a four when you asked about the whole apartment thing. You hate living in your apartment. Yes. I never wanted to go to the apartment. I also don't really like people. And I didn't want to be in an area where I have to be around people. All the time. All the time. All the time. All the time. You also have no say. Yeah. That's what it is. Exactly what happened. You actually do have a say, by the way. You just don't do anything because you're pathetic. No, they're actually, I didn't because she had the money to go to and already paid it. So what am I going to say? Are you guys not together? I was working a lot then. Yeah, but are you guys not one? Isn't that the thing? What do you mean her money? It's supposed to be, yeah. Like if you guys are treading like ownership and waiting until marriage, like with that, oh, you didn't like. Stick it in the butter, grab it by the hand or put it in the mouth. No, no, we actually waited to marriage. No, that's why we got married. Not a single handjob. People get married even quicker than that when they're like abstinent. I was also homeless at times. So it's one of those to where we didn't have a place to go. We still got married when we were homeless. When you guys were sleeping in the truck together, I think it would accidentally slip in. No. How? How we're in a public parking lot. He was in one seat, I was in a different seat. I was joking. Well, you're not funny. People in that tight of space usually get into a tight space. No, we didn't. How would you know? Because I f***ed in a lot of cars. What are you talking about? Did you live in one though? No, because I'm not a pathetic loser. 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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 one thousand dollars yeah because they didn't need to be homeless you chose homelessness this was great to be with him i had to be your kids out of your sister's place get a i'm gonna house i had a job and i just didn't have the money saved to be able to put for the down payment and stuff you just stayed in shelter you could have done a lot of things yeah but shelter i was also driving to a whole nother section of florida every single day like what was it three hours three and a half hours shelters i don't understand no so i was just like all right what do you guys think your combined hammer financial score is zero to ten zero being the best zero being the best you don't even know your own show reverse zero being the worst you're taking that out no i'm saying reverse the scores you're being the worst time being the best okay good i want you make sure you have it on video that you look like an idiot too and it's not just us okay are you gonna do the one two three go thing no it's no i haven't done that in like a year what man we're watching some old videos okay zero probably if you watch your name or financial score it is free it's been redone where it's detailed in each category now so check it out even if you've taken it before it is free it's just a few minutes calebhammer.com and if you don't want to be like guess you end up on the show they're gonna need a lot more help than this but just download the dollar wise budget and take the free trial see if it worked for you it works for most people that's why they stick with it and take the annual version it saves nearly 50 percent in your money so if you're interested in money and you get the physical version of my 30-day meal plan signed by me mailed directly to you and the digital version of the cookbook check it out i can't believe you were crying about driving to work everyone drives the fucking crying about driving to work yours isn't and i hate you so yours won't be where did i say i was driving shown so this mortgage what about okay so what's that number that you're gonna be owing it's that big lump sum twenty eight thousand november what exact number uh november thirty first crazy okay uh we'll put a film date to this so everyone knows out there august twenty-fifth yeah so november twenty-eighth is twenty seven thousand thirty first thirty twenty seven thousand nine hundred seventy four dollars and five cents me yeah yeah and if it doesn't if you don't then it'll um it'll go into my mortgage payments every month for twelve months so the payment would be probably like five thousand dollars forty five hundred dollars with interest accrued no then why not spread it across twelve months because it's a lot of money a month on top of the same amount of money that's an interest-free loan no it's not interest free you just said it wasn't baked in with interest well not the arrears yeah so that makes it okay sorry i want to clarify the 28 there's 28 000 that's owed on november 20th but if you don't pay on november 28th they'll spread it across 12 months yes it's about with no interest on that 28 yes yes well i don't understand because so do that divided by 12 and tell me what it is okay the 28 000 or whatever thousand nine hundred seventy four dollars and five cents divided by 12 uh two thousand three hundred thirty one dollars okay so now add three thousand one dollar ninety two cents but if you save up this money yeah it doesn't even matter yes you can make more money in a high yield whatever yeah either way but that's but that's just the mortgage and now we have rent i can't but it's the same amount of money you were gonna do it anyway so it at least gives you a little extra wiggle room having the money sitting in a savings and then paying it over 12 months is that what you suggest instead of the slump song potentially because literally it's a zero percent interest-free loan now you have to actually manage and actually pay it and you refuse to actually pay bills because you're a loser but yes if you can actually do it then yes she pays all the other bills she got her car repoed went through bankruptcy two years ago and has collections accounts shut the okay we also have other vehicles that we sit here and we pay other stuff off you really were like raising the stuff off do you think that we should try and pay this or let it foreclose what did it when did i ever suggest foreclose well no i told you earlier my mom suggested to have it foreclosed don't listen to her the average american stupid with money even the swamp man agrees with me yeah well because my ex-fiance is on the mortgage so i could never sell it and i couldn't ever do anything finance it eventually and get him off of it it's hard to refinance though it is it is you're gonna have to have a pretty decent market recovery yeah yeah uh which you know a lot of those uh big coven markets where they built a lot of housing and stuff which is good uh housing prices going down yeah it's like thirty thousand dollars less than i think when i bought it yeah it's about fifty yeah okay um okay so what is okay payoff quote nine hundred oh sorry of your mortgage yes but your purchase price was higher but your mortgage is two hundred ninety eight thousand nine hundred nineteen dollars and seventy five cents or ninety five cents yeah and the normal monthly payment is remind me again three thousand one dollar and ninety two cents now with the new escrow and everything okay yes i get a new escrow analysis uh once i pay that lump sum if i made the long gotcha now it'll add on to that on top of it which i might do so it went up yeah what was it was it property taxes insurance property taxes because i didn't file for homestead exemption and it went through the roof and it went up eight hundred dollars a month yes yeah there's no cap of what property taxes can be raised in the state of florida if you don't have the homestead even without homestead right yeah there's no there's no cap unless you file for you can homestead in taxes but in texas but even still if the city tries to raise it more than a certain percent it triggers an automatic like election no not in florida that's insane ronda santos get on top of that yeah you're doing that's why after that happened i called them and i said what the hell happened and they were like because you're stupid they said it was because of taxes so i went and filed for home yeah i mean it is which doesn't help prior but it helps for next year but not this year yeah yeah yep okay so forbearance so i mean how close are we well the thing is and this is what concerns me i don't know how you're gonna be able to save up that much money in two months well we have 10 000 right now and i make six grand a month and the people in the house give me seven hundred dollars a month seven hundred dollars is all you get a week a week even okay that's twenty eight hundred a month so how the there's no reason why this is such a struggle for you because they weren't for now they're paying but as of three months ago they've been paying so still the fact that it got an additional three months behind was so stupid but either way because they told me i had to pay a lump sum from the first three months and i didn't have it but three months you've been able to save up ten and three months it was eleven thousand and change you have it in there somewhere yeah that doesn't hit our target that does not hit our target in two months if you keep that trend you gotta run on top of it you have other bills from the sounds of it and this is a pretty thick stack you do not hit that number in two months yeah we'll look by the end of it the budget will the budget will tell all yeah but it's like that's the thing and that's another thing is right because especially when you're doing things like wayfair yeah yeah that was kind of better meet child selling network no that was my that's something that was my screw up so we want to buy another house within the next year and kind of do rental properties and stuff that was a joke by the way i've taken a wayfair sponsorship i'll do it again so that was for some furniture for a house yeah because no one will ever get used furniture in the history of this show well it was like a fourth of july sale so i got like four beds for that price it was six beds for that price was it six yeah it was six beds oh i see more than just the wayfarer though right for a while for clarna so that was so hard when people don't send a full everything listen i think this i mean it's pretty close to paid off so i'm just going to cross it out for now okay but that's just an indication again of things that you are yes this is what we are prioritizing because that's like going to be paid off by like now which means at the time we did this we already struggled to start paying our mortgage payment or it was right around it anyway so this is so that we're prioritizing new furniture over paying for the roof over our kids had you were pregnant you knew you were gonna have to but this was before i knew about the issue with the forbear right there though right there i know it was right still even still the issue with the forbearance well it didn't even matter you're struggling to pay your mortgage In general, and we're getting furniture on Klarna? Like, what are we doing? You have a kid. You have a kid coming at that point. Yeah, I didn't even know fully that was fully happening until it did. Yeah, I just ordered it. Now, you might be one of the rare few examples of someone that actually needs a Ram 1500. Carrying around your tools and equipment and stuff like that. That's fine. We get a $30,000 one at 21.8% interest. No, you f***ing weirdo. What's wrong with you? We get the cheapest piece of shit we can. He had a piece of shit and it fell apart. Exactly. That's reasonable is the clarification, the asterisk. Yeah. I sat there, had one, and it sat there and started breaking down a lot more, and we had a kid. That's why I said one that's reasonable, again. And that was, we were looking at other ones, and we were looking at a different one, and they wanted too much money. So I said, no, let's go with this one that is cheaper. 84-month-long, good f***ing. Yeah. Like, why couldn't we get, like, a 28? The one that we were looking at was a 28, and it was more expensive. Okay, what about 17, 16, 15? They didn't have any. They didn't have any others. 16? They didn't have one. We should have got a 16 just because. They didn't? Who's they? The dealership. Good. Go to more. Yeah. You're in Florida. Go to f***ing Tampa, like, what, an hour and a half north? Try, like, two and a half, three hours. Go to Miami. Okay, congratulations, whatever. Do Dallas as long as in that. Shut the f*** up. From Austin, go to f***ing Miami, two and a half hours east. What are you doing? Go to more dealerships. you loser that's the trucks are expensive and he didn't want to not get a truck that's why you look for more what how does that what counter argument is that to what i just said because trucks aren't usually that much money at least not in florida they're usually like 60 80 000 whatever i'm sure you could find a cheaper one yes i can i can you and your stupid yeah me and my stupid internet something you refuse to know how to use that you need constantly with you on your show it was one of those she wanted to sit there and see it didn't exist yeah it didn't exist oh you're an old man too yes we sat there and i was at school and she sat there and just sent me a picture of a truck and he's like that was our shopping technique what she was you're incredible there you're incredible and he refused to get anything other than a truck he wouldn't get any like smaller vehicle that was cheaper than a truck he wouldn't get any like smaller vehicle that was cheaper than a truck he wouldn't get any like smaller vehicle that was cheaper than a truck he wouldn't get any smaller vehicle that was cheaper than a truck he wouldn't get any like smaller vehicle that was smaller vehicle that was cheaper he was like no i need a truck he does need this for his job he is cheaper he was like no i need a truck he does need this for his job he is right about that he is right right about that he is right about that he is right about that because here we go i immediately about that he is right about that because here we go i immediately school for another thank you here we school for another thank you here we school for another thank you here we go san antonio 2014 ram 1500 it's at 18 000 go san antonio 2014 ram 1500 it's at 18 000 go san antonio 2014 ram 1500 it's at 18 000 how many miles uh 42 000 no way let me see how many miles uh 42 000 no way let me see how many miles uh 42 000 no way let me see where is it i mean it doesn't matter now where is it i mean it doesn't matter now where is it i mean it doesn't matter now no it doesn't but it's just that's here no it doesn't but it's just that's here no it doesn't but it's just that's here in texas oh yes oh my gosh these people in texas oh yes oh my gosh these people in texas oh yes oh my gosh these people suck you could also pretend like only suck you could also pretend like only suck you could also pretend like only texas markets there's definitely none in texas markets there's definitely none in texas markets there's definitely none in the third most populated state in the the third most populated state in the the third most populated state in the country why can't you just type in country why can't you just type in country why can't you just type in oh that's not the point i'm talking oh that's not the point i'm talking oh that's not the point i'm talking about how you were getting those about how you were getting those about how you were getting those yeah and you've been telling me that the yeah and you've been telling me that the yeah and you've been telling me that the whole show yes get a different word man whole show yes get a different word man whole show yes get a different word man no because it completely no because it completely no because it completely it completely defines you okay that is it completely defines you okay that is it completely defines you okay that is you okay says you you okay says you says you okay says you says your behavior and choices your behavior and choices your behavior and choices fan duel is now available everywhere in fan duel is now available everywhere in fan duel is now available everywhere in the u.s so you can get in on the sports action so you can get in on the sports action so you can get in on the sports action no matter where you are no matter where you are no matter where you are including these places make this your most rewarding season ever make this your most rewarding season ever make this your most rewarding season ever with fan duel age and location with fan duel age and location with fan duel age and location restrictions apply product restrictions apply product restrictions apply product availability varies by market see availability varies by market see availability varies by market see fanduel.com for eligibility gambling fanduel.com for eligibility gambling fanduel.com for eligibility gambling problem call 1-800 gambler problem call 1-800 gambler problem call 1-800 gambler you're out of it that's the show you're out of it that's the show you're out of it that's the show seven hundred two dollars and eighty two seven hundred two dollars and eighty two seven hundred two dollars and eighty two cents for someone that makes zero zero zero when did you get this truck when did you get this truck when did you get this truck it was last month last month it was last month last month it was last month last month because i'm going to be graduating soon because i'm going to be graduating soon because i'm going to be graduating soon yeah we just made our first payment on yeah we just made our first payment on yeah we just made our first payment on it it it last month when we were five months last month when we were five months last month when we were five months behind on our mortgage behind on our mortgage behind on our mortgage we decided to get a car that is 702 we decided to get a car that is 702 behind on our mortgage we decided to get a car that is 702 you guys are the worst humans you guys are the worst humans you guys are the worst humans parents partners to ever exist parents partners to ever exist parents partners to ever exist it's worth half of what you owe on it i it's worth half of what you owe on it i it's worth half of what you owe on it i was gonna it's worth 17. i was gonna sit was gonna it's worth 17. i was gonna it's worth 17. i was gonna sit there and fix it so why sell it sit there and fix it so why sell it sit there and fix it so why sell it that old truck i didn't say sell it i that old truck i didn't say sell it i that old truck i didn't say sell it i never once had the word that's your never once had the word that's your never once had the word that's your whole thing when the math works yeah the whole thing when the math works yeah the whole thing when the math works yeah the math doesn't work she's the worst math doesn't work she's the worst math doesn't work she's the worst this is like you you're a bad person i this is like you you're a bad person i this is like you you're a bad person i don't like you thank you you're don't like you thank you you're don't like you thank you you're horrible thank you but i was looking at horrible thank you but i was looking at horrible thank you but i was looking at possibly fixing that old truck but all possibly fixing that old truck but all All the stuff it was going to cost to fix it. It was more than it was. It was more than what it was even worth. Yeah, I wouldn't advocate for that either. That's why I was saying like the $18,000 type of truck. But that was the one to where you just sit there instead of, we needed one pretty quick. Also, it didn't have to be a Ram. Maybe there was something cheaper. I don't know. The thing is. Well, no. So I was sat there and I was actually looking. I was going to start looking, but. He was going to start looking. So you weren't looking. You were going to start looking. But she went to there while I was at school. One dealership. Yes. But I sat there and my truck actually broke down on me going to school one day. And I was on the side of the road trying to fix it. How far was your school from your house? It's like an hour. About 45 minutes to an hour. Okay. Yeah. I'd rather you guys rent a car for a couple months. That's a lot of money. And get a. It is less money substantially than an 18. Than a 21% interest rate on an 84 month loan. But then also rent a car. Oh my. I know. These people, man. There's literally. That's the thing. You're just like another woman that sits there. And doesn't let people finish talking. So. It's my show, asshole. But you want to sit here and ask for opinions from people. And yet you don't want to let them talk. Or like they're. What they're wanting to do. Like I'm sitting here trying to tell you about the truck. I don't care what you want to do. I don't care about what you want to do. I care about you getting out of debt and live a better life. Because I want to understand your perspective. And then call you a. And then fix it. And then you don't let them answer. Every single guest on this show. Or not every single guest. But every single person that ends up in this situation. There is no other alternative. Than what they did. That is the issue. No, there was other alternatives. If you would have let me finish talking. Okay, then try. Try. Because renting was clearly evil. But see. Yeah. Because to me. That was a lot of money to sit there and try to spend. To every single. Because you got to think. How much is a rental a single day? It was going to be. We also tried to get a rental car. And they wanted a credit card. Yeah. And we were trying not to use credit cards. Everything like this. And I don't. We didn't have great credit. We don't have a credit card. 84 month loan at 21% interest. They wouldn't give us a rental car. You don't have a credit card? Not that's open. No, we got rid of them. And I don't either. I can show you my wallet right now. I got nothing in it. Okay, just because it's not in your wallet doesn't mean you don't have one. But I'm just saying. Like I could. Like I can sit there and say that's all I have in there. It's like I don't sit. We don't have credit cards. Yeah, we don't have a single credit card in there. Okay. There's family nearby. Is there not? No. No, I don't. No. Well, not you. Her. My parents. I haven't spoken to my father in so long. They won't even talk to you? I understand they'll kick you out. No. My mom does every now and then. Because you went with a brother? They won't help at all. My mom talks to me. But I'm going to have asked them for help once, maybe twice, and they just refuse. You have no friends? No. No. I mean, I would have maybe even opened a credit card. I get denied for it. Caleb Hammer, open a credit card? Wow. I love credit cards. For people that don't know how to use them? Do you watch the show? Yes, but I'm talking about saving literally potentially tens of thousands of dollars. Right? Yeah. Like, that's what we're discussing here. But when his truck dies on the side of the road, I don't want to have to try and figure out where or when I can get a credit card. Especially if I have more than three. When he has to go pick up the kid and the car breaks down on the side of the road. All of that is less convenient than buying a car, going through that entire loan process. Like, shut the fuck up. Well, no. I went there one day and they handed me the keys. Exactly. Okay. Great. Okay. Yep. It's good. Yep. Keep this car. This is fantastic. Shut up. You did such a good job. You just told me to keep the car. You're so smart. You're so good. Now, what about this 2022 Chevrolet Silverado? Is that what we just looked at? Yeah. I don't know why it says that on there, but it's actually a Dodge Ram 2015-200. That's a 2022. Yeah, that's the same thing that you just looked at. I was going to say, because it is the same. It's the same thing you just looked at. It just says a different car for some reason on there. Wait. This has a higher interest rate, though. Are you sure? This is something reporting different. Can I see? Sure. Because it is a different car. And it's a different interest rate. It's a different interest rate? Let me see that one. Oh, my gosh. Yeah, sure. It is a different interest rate. Whoa, that's crazy. It's just reporting wrong. This is the correct one. This is the statement from the bank. This is wrong. Yes, I'm saying maybe this is something different that is on your report and you just don't know. No, it's the same thing. Listen, I'm going to assume there's an issue, but you're going to need to dispute it or something. Why? It's the same thing. It's the same thing. It's the same term amount and everything. I'm just looking to it. That's all I'm saying. Okay, something from our credit union. We got $2,217 and you're passed through that entire amount. Why? Yeah, that's Suncoast. Huh? What is this? That's a Suncoast credit card that we used to have. That's in collections. Oh, my. Yeah, that's collections. We? No, me. What happened? I wanted to go see my friend in South Carolina. So that was like. When? That was. I think it was right after my bankruptcy. All of my collections are right after my bankruptcy. Oof. I went and got a plane ticket, a rental car, the hotel, whatever, on that card. Oh, you were able to get a rental car? That's crazy. Well, yeah, after the bankruptcy because it wasn't fully done yet. Okay, I have another one in collections. Yeah, that's mine. Credit one. Yeah, I have a lot of credit ones. $953. Yeah. I used to collect Funko Pops, so a couple of those credit ones is for Funko Pops. How often are we going to South Carolina? That was just the one time. You haven't gone again? No. Was I supposed to go another time? I believe you went and saw them like three days after your baby was born. Yeah, we went after the baby was born, but we drove. But we didn't pay for it, though. Yeah, no. We didn't pay for flights and stuff. No, we just drove for, we drove. Like three days after the baby was born? Yeah, where was I supposed to leave? Yeah, she was perfectly fine. At home by herself. Stay at home with the kids. Three days after a kid is born, you're taking her on a road trip? She wanted to see the baby. Then she can come down. Well, she didn't want to. Then she didn't want to see the baby and not. She wanted to drive up there afterwards. There you go. That's the real answer. We sat there and got out of the hospital Thursday and left Friday. Okay, $631 in other collections, and then in other collections here of $793. Yeah, a couple of those are for Funko Pops. One of those is for Funko Pops that I collected, and then I think one of those is for some Pokemon cards. You are a collector of the worst mistakes. Great, and there's nothing to show for it. Okay, so a lawyer. Why do you have a lawyer? Because when my ex-fiance left, he sued me to try and force me to sell the house. Why did he sue you? Because he wanted me to sell the house. What was his argument? The argument was that he's on the mortgage, and he didn't want to be on the mortgage anymore, and he moved away. And he wanted me to sell the house. He wanted to sell it and have a split at 50-50. Why didn't you? Because I was living in it, and he didn't pay a dime towards the house. Every single mortgage payment, the appraisal, the down payment, everything I paid, he didn't pay any of it. Did you win? Yeah. That's why I still have the house. Oh, the legal fee. Yeah. $2,600. I also sued him for my engagement ring because he stole it when he left. Is that it? No, no, this is from Adam. Ladies and gentlemen, I got something new to help you that we have personally built right here on Caleb. We have new Caleb Hammer financial resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on CalebHammer.com. We also have auto insurance now. You can check for free and see if you can save a shit ton of money on auto insurance. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you. If you still suck. But if you've proved you can budget, check out these programs from personal loans to car insurance to see if you can save a shit ton of money across the board. Go to CalebHammer.com or the Caleb Hammer financial resources part of the pin comment or description below and save a shit ton of money. I already launched Liquid Assets, my official gamers hub's flavor, Raspberry Apple, and it's been selling like crazy. Here's the update. The free gift stacking promo from Christmas in July has officially sold out, but the flavor hasn't. There's no sugar, under one calorie, a hundred servings a tub, same nootropic blend, same full vitamin stack, still just four scoops a day max. Code Caleb still gets you 10% off your entire order. And there's still a shot. One out of every 10 that your tub comes with my face on it. All you need to do is head to gamersubs.gg slash Caleb or click the link in the description below. But when I was engaged prior, he stole the engagement ring that I paid for. Did you sell it? He sold it. He stole it. And sold it. But you sued him? I sued him, yeah. Did you win? I did. Did you get money? No. He owes me $5,500 legally. Well, this is why no one can contact him. Yeah. He won't give it to me, so I have to try and figure out where he works and garnish his wages, and that's the only way that I'm ever going to get it. And I cannot figure out where he works. PI. I know, I have to hire one, but. It costs money. It does, but for $5,500? Yeah, I know. I know, I have to hire one. I've actually told her that we should sit there and just put up the money for a PI to figure out. Figure it out. Yeah, I'm just so worried about this lump sum of money about the mortgage that I don't want to pay anything off. I don't want to put anything extra toward it until we figure out what's going on with the mortgage. I don't want to hire a PI. I don't want to do anything extra shit until. Okay, so $2,689 owed to this lawyer. Yeah. Is there like a minimum monthly, or what's going on? I'm not sure. I think that it's like a. I think that there is. You don't even know? I don't. I think it's like $50 or something. It's $49. That was close. And, okay, it looks like you just made a payment last month. Okay. Yeah. It failed first, and then you made a payment. Yeah, it was on the wrong account. Oh, more collections. Yeah. Yeah, there's quite a few collections. $9.37. Yeah. So you guys got married a year ago? Yep. August 16th. How did you guys afford that wedding? It was a really, really cheap one. How much? Maybe $5,000 for the whole thing. Yeah. The dress, everything. The rings, the actual wedding itself. There was like five people there. This is a collection of $30. Why don't you just pay that? And allow it to impact your credit in a positive way. Because of the mortgage. Also, you told Lindsay $10,000. Was it $10,000? For what? For a wedding. That's what you told. Maybe for all the dress and everything like that. Wait, how the fuck are we affording that? And that's not paying for our house and all this. Your priorities are whack, dude. I wanted to get married. Oh, so that's actually not. Nope, this is in collections. Yeah, it's in collections. We didn't get married without $10,000. Yeah. $925 in that collections. Was it $10,000? If you count rings and everything like that, probably. Maybe I was thinking just the wedding itself was like $5,000. And then after the dress and the rings, it was another $5,000. Yeah, probably. $234 of this collections. $234 in that collections. You are incredible. You're the funniest guest I've ever had. $14,000. How do you have $14,681 in this collections? That was a vehicle that I crashed right after my bankruptcy. You suck, man. Why did you not send us your checking account? Why did you refuse in every way whatsoever? How the f*** can we fix things if I can't see what you're spending? Because one, I really don't spend anything because I don't have anything. Prove it. And then second, I also didn't want all my stuff out there. We would redact your shit. What the f*** are you talking about? What stuff out there? Your spending? But you just said your spending is not bad. It's not, but I want my checking and everything out there. What do you mean? What would be out there? Anything. What? What are you concerned about? Just anything at all. I didn't want out there. You said nothing's in there. Yeah. And he doesn't want the people. He doesn't want the world to see that. He is nothing, pretty much. That makes zero sense. How the f***? But, whatever. With who? Me? No, with him. Yeah. He should have sent it. Well, yes. How can we get a budget together and criticize spending and fixed behavior if we don't know what the behavior is? Well, he doesn't make any money anyway now, so there's nothing there. Do you have money in your checking account? No. No. Then why not let me see it? That's what I said. That's what I said. What? You could be overdrafted. You could be all these different things that we do. I don't know. Maybe there's another debt in there. Who even knows? He let me see the bank statements. And? There's nothing there. So, I'm like. Not even a cent of spending? Well, no. He doesn't make money. How do you get gas? I'll ask her for gas. Yeah, I sent him. I'll be like, hey, I need 40, 50 bucks for gas. Yeah. And you saw in the checking account that it was never spent on bullshit at all. Every now and then, I'll sit there. Well, I mean, it says gas station. At the gas station, I might get a drink with it and then just put the rest with it. Isn't that the thing she hates? She even criticizes? Yeah. So, why do you enable by just sending the money? Because how else am I supposed to get gas? Fuck you. It's cool. Fuck you. If you're doing the behavior that is obviously bad, why would she support it? Yeah, there are times where I'm like. It's enableable. Figure it out. But then it's like, what am I supposed to say? No, don't get gas and don't go to school and get your certification to provide for me? If the only way for him to get there is you enabling his bad behavior, yeah, maybe. That would at least force him to change and fix it. Yeah. I just. I want him to finish. I want him to. I want him to just finish school and get a job. And just put his checks in my account. So, you're going to be putting up with this bullshit forever then? Because your entire philosophy will be you just want to get through. Want to get through it for the next thing. If I give him his allowance and he spends it on bullshit, then he spends it on bullshit. You know, I'm taking whatever that allowance amount. It really depends on how much he's going to make after he works. Why not let me see your spending? It's because I don't want to. It's one thing I was hard on the entire time. Even when she sat there, I was willing to go. Because you didn't even want to be here. I didn't want to be here. I don't want to spend your shit. I want to know the logic behind the want. Yeah, I want to know too. Not really tons of logic. I just really didn't want to. I don't want my finances and everything out in the world. Just like I sat there and told her from day one. Then how in the world. Day one? Of her wanting to come on here. Yeah, when I applied. I told her I did not want to go and I didn't want any of this shit on me. So, you're never going to get your shit together to be clear. That's what you think. That's why he's allowed to get his own bullshit allowance. Because you're not willing to take accountability for anything. I actually take accountability and sat there and said that. I sat here, got the drinks and the reasoning for the reason why. they would get drinks. It's like, how am I not taking accountability? - Because you're not willing to- - You're trying to justify it. that and you're not willing to have someone even look at your shit. I let her see them. That's the person who matters the most to me. So she can see them. Yeah, but she's also stupid with money. She wouldn't know what she's looking at. She can see what it's being spent on, what it's not being spent on and stuff. So the act of that are those the car and the house and the lawyer. Oh wait, no. Because of this. Yeah, that's my car. Okay, what do you have? It's a Kia Sportage. That's the one I'm on to. Oh. Yeah, we're both on that. How good. She just brings you along. Well, that was to try to help my credit go up. $24,070. I haven't missed a payment on that. $70.54 yet. You're not really known for not missing payments. Minimum monthly payment, especially $630.85. Yeah. Okay. Well, you owe $24,000 on it. It's worth $12,000. What's the interest rate? It's $20,000 something. What are we doing? I think it's a little bit less than the truck though. His is at $20,000. I thought it was at $21,000 or $22,000. Okay, so yours is at $20,000? Yeah, that's what I think. $20,000 and change. Wow, you're winning, I guess. Well, no, but it's not like $25,000 or $26,000. It's $20,000! I know. That's horrible! It's destroying the market if you're investing it. You're getting 10% a year! Yeah. Average! Investing it into what? If it was in the overall general stock market, if it followed like the S&P 500. Doesn't f***ing matter. That's what you talk about a lot on your show and I have no idea what that is. And you don't need to right now because you have a 20% interest rate car debt depreciating asset. But you said that with the mortgage stuff that I should put it in like that kind of an account. And that's why I said maybe you should just pay the lump sum because why overcomplicate it for you? Like, why overcomplicate it? You're right. You're right. You can't do shit. But you said I'm not going to make the lump sum by then. I mean, that is the reality probably, right? I mean, we'll see. I had to see. I said we have to see what the budget is at the end. So the big thing also with us doing that lump sum is that I don't, technically I finish my schooling the end of this week, but they just came out with a national certification for my schooling that I'm okay to do that if I go back and do that, I won't be done with it until like middle end of November when the lump sum is due. Yeah. That's like another thing I wanted to talk to you about. Is this a this is the same thing, right? Yes. Yes. I wanted to see what you thought about for him going back for that certification. Why do you have to? Okay, so what do you owe? You owe $11,197 in student loans? Yes. That's his school. Okay, now you don't have to pay for it yet, right? No, it's six months after I graduate. Yeah. Which, is that in this week or is that after your NCCER certification? I would have to find out. This will probably have a good return on its investment, which I can appreciate that. Just make sure you're on top of it. Yeah. Okay, so is this a screenshot of just your balances? Yeah. Maybe. Him? Mine. Oh, great. Savings, $5. No, my savings is in my money market. And then the money market we have a. Or the smart start, sorry. I'm going through them. If you would learn to shut the f*** up once in your life, I would get to it. She likes to interrupt. You obnoxious c***. $643 in that money market, then your smart savings $7. There's $10,000 in that now. Okay, yeah. I know, it doesn't really matter much. $788 in student loans? Yeah, that's mine. I don't know why they didn't give you the statement for that. I don't know why they wrote it like that, but whatever. Yeah, she has a. That'll go to collections in 30 days from the 13th. If I don't pay it. I just got it in the mail. No, we literally just got it. I just got it, like, right before we left to come here. Yeah, so that's why it's one of those. You know why? Because you showed up today with a folder of the statements instead of sending it in like you requested via email. Well, because I just got it. So that's you not following. Just got it. Log in. F*** up. Log into what? The portal that manages your student loans. This isn't a student loan, though. It's, like, from the school. It's just, like, a missed payment that I was supposed to pay. And why, when I said student loans, you said yes? Because it is for the school. It's just not a loan. That's not a student loan, you f***er. Well, so then what is it? A missed payment? Just what you had just described. Okay. Oh my goodness. You are a walking headache. You actually suck as a human being. I would love to. In processing information. Huh? Not you, him. Cuck. Okay. How was it a cuck when she said not you? Amount due. He doesn't even know what a cuck is. Amount due $3,420. $3,428. He doesn't know what a cuck is. He just calls people that. Sorry, what did you say? You're the one who asked me what I was doing after filming. Cuck. So $3,428. Okay. Emergency physician. Is this birth? Yes. Okay. Are you on a payment plan yet? No. Why? Because it's a medical bill. So? You can get on payment plans still for me. It'll still f*** credit. In Florida? Does it go to your credit? It's not about a Florida. It's the United States. Really? Yes. You suck at everything. I didn't think that medical bills went to your credit. Holy f*** do. You piece of s***. Okay. Okay. What is this? Charges, your payments, adjustments, your balance. That's another medical bill. Oh, good. Probably not on a payment plan, are you? No. You don't give a f*** about anything. You're just going to destroy your life forever. Yep. How much is that one? $1,722. Yeah. I think that was my heart surgery that I had. I think so, too. Yep. Is that what you're. Why do you f***ing f*** enough oxygen get into your brain? What does that have to do with my heart? What do you think gets the blood to the f***? What do you think flows blood around the f***ing body? You said oxygen. Now you're saying blood? Yeah, blood. That's how it transports it. Oxygen goes through blood. Okay, whatever. That's an anesthesiologist bill. Okay. It says it. It's highlighted for you. What I was trying to ask is that's the payment plan or is that the entire balance? No, that's the entire balance. You could just. You could just pay it. Okay. Well, I want to know which order I should pay it because those aren't interest. $107.20. That's my bank statement. Is that it? Yeah, that's it. Great. You have $0. Well done. Incredible. Withdraw fee. Withdraw fee. Good. With f***ing fee. Yes. That's what it is. $0 in this one. Drawing. What the hell is that? I don't even know what that is. I don't know what that is. Getting some bullsh*t, groceries and potential bullsh*t of groceries. Is this another loan? Smart cash certification? Yeah. Or pay. No, payday alternative. Yeah. Yeah. That's $1,000. Why? What are you doing? Because I didn't have a credit card. Because we don't have any credit cards. So we have a payday loan. Yeah. $1,000. 15%. $1,000 and I assume you can just withdraw once you pay it. Yes. This is that over and over and over again. Yes. Oh, great. I was wondering where the rest is because you wouldn't send us shit because you don't give a f*** about your life. Okay. What was that? $7,000 or whatever. Uh, $2,287 in your. What was that $7,000? Where? It's in the smart start. What? Okay. Uh, $2,287. That's my retirement. Yeah. What do you have in retirement? Nothing. I don't because we pulled it. You pulled it? Yeah, because he paid off his credit cards and stuff that he had. So that's why he doesn't have any. Well, he doesn't have any, you know, like, bad debt. He didn't control his spending, though. I know. Okay, let's budget this. What's your f***ing rent? $1,800. Okay. Utilities, gas, electric, internet, all combined, how much? Um, $150. For everything? Well, yeah, the $1,800 includes, um, water. Okay. Now, yeah, not. Okay. Okay, without your mortgage, so let's do the car payments. $82, $630, $85, and $49. Your debt minimums and payments outside of the mortgage is $1,382.68. Yikes. Yeah, that's just the two cars that you're justifying, like, none others. So shut the f*** up. Yeah. Mortgage is. $3,192. Yes, $3,192. $3,192. But how. You get $700. You get $700 a week? Yeah. $700 times 52 divided by 12, it's an averaging out of about $3,000 a month. We'll put that into the income. Yeah. So your income, we're going to. $9,000. say is basically $9,000. Mm-hmm. Okay. Phone bill. Zzz. $250. If you have any, speak up. $250. That's insane. Which, actually, I just got it lowered down to about $220. Okay, $220. I thought it was $225. Gas, burn from drive-drive, how much? Mine's about $80 a week. And mine's like $40 a week. Okay. $80 plus $40 times 52 divided by 12. I'm talking $520. Car insurance, how much? We just paid $2,666 for six months. For six months. $2,666? Yep. $2,666 divided by. 12. Or six, sorry. Yeah, because it's going to come up again. So we're going to say $444 a month, but you just paid us. so we can take that out for a little bit, but you are going to have to pay that again. Okay, necessary food. Kid's on titty, right? No, it's on formula. She was on titty, but then she ended up producing milk. Work harder. I work 60 hours a week. I'm kidding, I'm kidding. I was joking. Shut up. And I was saying that. Okay, clearly this doesn't matter. I was f***ing around. You should be able to do 700 hours a month in groceries. Meal prep, meal plan. Do you find anything else who exists? And I know diapers and all that shit. 300 bucks. Medical health care, are there co-pays on a monthly basis? No. No. Is there a gym? No. Are there pets? No. Subscriptions, I'll try 50 bucks. We don't have any subscriptions. Well, you can. Anything else that needs to be in your budget? Is there anything else? Other than debt, cars, insurance? I bowl every week and I just joined a bowling league. Well, that's in the TP fund. Okay. That's just all the extra shit. Yeah, I mean, you guys have wiggle room. Oh, wait. I got to add your debt. What was it? 1,382.67. You still have wiggle room, but it's a lot tighter now. Okay. 8,000. Basically, 600. To survive, we'll round, which gives you 400 left. That allows us to start grinding away at the debt, which you, well, I mean, yeah, I would pay off the lawyer. Okay. That'll take a few months. Well, I have 10,000 in my savings account right now. Actually, that's right. We have to get to that. Okay. So, exactly. With this money left over, how the fuck are we getting in two months to pay for that 28 or not? And then your monthly budget does break when you have to spread it across. Well, the plan was, is because I graduate next week, is this national certification just came up about me being able to do. So, our plan was, I don't know if I'm going to go for that national certification or just go straight to working and her working also. Go straight to work. And then that will make it to where. I don't know if that allows you to catch up and. Well, because. Like the one month, because your pay is delayed and you still have to. Do you have a job lined up? I have two potential jobs. Yeah, they. Potential jobs. Potential jobs. Yeah, they won't give it to them until they actually graduate. I know, I know. Let's see how that lands, but still pays delayed. Yeah. You might be forced to stretch it over three months, but you with your income, with this combined, we'll be able to make that work. Yeah. And then after that, we start chipping away. Yes. And that chipping away goes lawyer and your car, then his car. Okay. And then get a fully funded emergency fund. And then you guys have to live 50, 30, 20. Try to live. You'd be able to live in your house at that point. Okay. Get rid of your apartment. 50% of needs, which you can do. Mm-hmm. With your combined household income, which yes, you'll have to do that for a bit. Yeah. That's just the reality. So you want to get rid of my truck first since one, it's a higher payment and two, it's a higher interest rate? No, because you guys are behaviorally. So you need to just put all your effort into the lowest balance so you can pay it off quicker. Okay. What about like the medical and stuff? No. Yeah. Save that for the end. Okay. I'd get them on a payment plan if you can, unless they're about to go to collections. Okay. If they're going to go to collections, I'd get them on a payment plan. Okay. And so do that, then 50, 30, 20. 50% on needs, 30% on wants, 20% on investing because you have time on your side and I mean, you're not horribly old, so 20% can work. And that'll get you guys to a decent retirement because you have failed at everything and you have a little bit, but you need to catch up. So that's what I would do. I think that's a couple of your process because your income is about to skyrocket. Yeah. And then you might be able to stay at home, mom. Yeah. But you have to pay off debt first. Right. Yes. And you have to save up a six-month emergency fund. That's what we keep up with. Then you can move into that house and then. That's what I wanted to talk to you about, too, is that after a year of that $3,000 payment, it's going to go back down to the $22,8810. Great. Love it. So can we just leave the people in there and make an extra $700 off of them? No, you guys shouldn't be landlords. Why? Why that extra stress and an extra almost full-time job? Because that's what we want to do. No. No, you don't. Stop. You guys are stupid. Invest in the stock market. You're not landlords. Shut up. Isn't the stock market also a little bit more difficult to invest in because you have to sit there and follow it more? No. You don't buy an index fund and you let it sit until you're retired. How do you do that? Like, is there like an app or something? We will deal with that conversation in two years. You're not there yet. Okay. Guys, don't be landlords. If investing's too hard, buying and sitting on an index fund, you're not managing real estate. Okay. Can you see what kind of account this is in? In the post show. We manage ours perfectly fine. We have right now. It doesn't matter what kind of account it is. It's in an IRA. Yeah, it's in a traditional IRA. That means you're stupid because you should be in a Roth IRA anyway, so shut up. Okay. We'll deal with it in a couple of years. We manage our. Okay. Hey, shut up! Well, that's already in there. Should I move it? Shut up! Hey, so we can't do anything. We're going to the post show. And, well, there's a lot. The reality is she forced him to take a paternity test the moment the birth happened. We're going to go into that and why that's a thing. It's going to be a mess. Hammer financial score, spending in a budget. You overspent zero out of ten. How did I overspend? I didn't spend over the $8,000, whatever. Because you spent $9,168 and total income was $4,664. How did you spend $4,000? Because that's what came in. My income is $6,000. I don't care. That's all that came in. Oh, my gosh. Yeah, you look at it. You and your magic eyes. Shut the fuck up. Debt, you have collections. You're out of ten on emergency fund. I'm glad. Yeah, I mean, you're close. It's going to have to go towards the debt, but it's going to be about a seven out of ten for that. Oh, that's because you don't have my savings account. I don't have my savings account in there. All the money goes there. Oh, because you didn't give us the shit. Yes, I did. The money goes into the savings. No, you didn't. They're saying no. I would have it here. Shut up. Just give us a zero. You are the worst. No, because you have a seven out of ten on emergency fund. Your retirement score, it's, yeah, it's, well, I mean, for 21, I'll give you a two out of ten. Maybe a three out of ten. Real estate, well, it's undercut. We have a house, but it's underwater. Do you ever shut up? Actually, mute her mic. She is, you're seriously, I'm going to film the post show, and then I'm going to walk away and never talk to you in my life again, and it's going to be the best thing I've ever done. You are horrible at existing. Real estate score, yeah, at least you're in the market, and yeah, they're paying for it, but okay, five out of ten. You're under value. Interest rate's not the best. And you can't even homestead. Because you're literally too rich to use the internet. Three out of ten. Join us in the post show where I have to sit across from this obnoxious for another 20 minutes. Because that's the job I decided to do. See you there. Saturday. She goes, she comes in. You're not ready to try yet. I'll keep testing the waters until you figure it out, until I get fed up. I was like, what do you mean? I told you another thing I didn't trust you with after the cheating? Cheating? No, it wasn't. You didn't tell me that. I didn't know you were going to do that. I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up, and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join. And that's. That's a promise. Dave Portnoy here. 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