I Exposed His Hidden Affair | Financial Audit

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But there's only one week left to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Plus, I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only, download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise. Hi, I'm Monica. I'm 21 years old. Hi, I'm Scott. I'm 23 years old, and we're from Greenville, Texas. And this is financial audit. Welcome down from Greenville from the Dallas Fort Worth area, lots of money-making opportunities, but not necessarily cheap. What do you do for a living Monica? I work in insurance for like a- What are you doing insurance? Because that could be good or bad. Oh, it's great. It's not sales. So that's good. I serve it. What can be good or bad? Yeah. Hmm, it's good. Sales is kind of weird. But anyways, you're making a weird face. Anyways. I don't know why sales is weird, but yeah. No, no, no. What do you make? Yeah, what do you make? What do I make? 61K. Good. Dude, it's 21. What are we doing? It's pretty ball-in. It's incredible. Yeah, that's awesome. I graduated with my associate's degree out of high school, but then- There you go, guys. Look what you can do. 61. That's incredible. What's hitting your account on a monthly basis? You're not pay. I make 1740 per paycheck and it's two paychecks. Yeah, sure. So listen. We have this positive thing out of the gate. It's exciting. You're making insane money. The reality is, you're on financial audit and the stack in front of me is stupid big. That's big? You're making it immediately. Yes, it's big. You want to know what's big. I mean, if he supported me, then we would find- I would support you. You make $3,500 a month. He needs to be a man. No. Okay, he needs to be a man. Are you not being a man? He doesn't even know what's big. He needs to let me quit my job. I'm trying. Yeah. Where'd you go, Paul? Oh, okay. So you want to quit your job. Oh, of course. I want to be a state-owned mom. Making good money. Oh, do you guys have kids? Oh. But whenever we do have kids, I need to be a state-owned. When are you guys having kids? Probably next year. How else are you going to even dry your hair for financial audit? Aren't you showing up for an event that almost no one that applies gets to experience? It's really been early. It's been early. It's been early. Actually, it's 11 a.m. No. No, you guys were driving me here early. We filmed at the same time. No. Every day. I am no good before 11 a.m. I also get headaches from computers. No. It's really fun. Okay. So she's a. What do you do for a living to support your. Ah, well, I work for it. It doesn't support me. She tries it. She tries it. Working towards it. I'm trying. Right now. Just because she gots big tests doesn't mean she's worth it, buddy. She's just going to tell you. Wow. I think I'm pretty worth it. I'm making 61 at 21. I hate you two and a half minutes in. I really didn't think I would because you smell pleasant. Like, oh, usually people smell like shit when they come in here, but you smell nice. So I kind of like you. This is what I got to deal with every day. Rip? Yeah. Get another one. I don't know. You've got a jaw line. Thanks. Kind of your 23. You can choose my jaw. You asked you about your jaw. Well, okay. So I work for a tech company. I make 59,000 a year. Basically, do like tech support, customer service. You make the last and her. Aren't you supposed to be the man? The man. Yes. Trying. Where's the man? I mean, that's not a bad income. I have 23. 23. That's not bad. I'm not criticizing that at all. Yes, that is going to be. Well, I mean, you could single income there. It's just you're not going to be living a life of luxury by any means. We cannot single income. I'm not. You can. This is not going to be great. You're going to be living in a cheaper apartment. Not having like the best cars. As you can, but you're just making that sacrifice that comes with it. And you, the likely paper spoiled that I'm assuming you are, will likely not allow that lifestyle. Sorry, I'm being mean to her because she's immediately out of the gate. Okay. I'm going to reset myself. Maybe it'll be pleasant. You do that. Oh, she's not pleasant. She's okay. What's your job, though? At this tech company? Work tech support customer service. Oh. Okay. Yeah. Who got some of those? I do hate it. It doesn't even want to move up. So it's like going nowhere. Huh? Wait. I don't want to move up in that company. I want to find something. No customer service. No offense to customer service. I employ something that's not bad. Yeah. Well, it's not useless. People need customer service, or else I wouldn't be paying a lot of money to employ them. There is a path, but it takes a lot of asking. And I don't really want to do that. I mean, you got to understand. I was picking up from your attitude and what he's doing with his income and you want him to support you. He's trying to go into plumbing. You don't respect him, dude. He's trying to go into plumbing because he needs to make a plan. Well, plumbing could be good, but you don't respect him, do you? Do you? I do. He's like, okay, because I mean, just with their attitude and he makes less than you, I'm just, it just feels like how the, would she? I mean. Okay. Does he want to get the trade job or is she making you go get the trade job? It was my idea. Now, I feel like there's some better avenues, but she really was excited. And so, I kind of feel pushed into it. No, no, no, no. And you go to the military. Reserves. What? Oh, why? Reserves, I guess. Yeah. Because he needs the government clearance for a tech job because he has a two-year degree. That was another part of my plan. He doesn't need it. I feel like I need it. Yeah. Sure, it might help, but he doesn't need it. I feel like he totally needs it. You think everyone that works in tech has government clearance? No, but it helps you get a better higher pay job. It might be good, but it's kind of for reserves. What if he gets pulled up? We aren't a little bit of a war. They have active duty. But what if somebody use brand new? I don't know, man. Who knows, who knows what's ever going to happen to the future? Okay, so she, well, you don't know that. That's the thing. That's the point. You know that? No, that's what I'm saying. I just said I don't know. No one knows. They're not going to pull somebody who is one month in, two months in, even a year in. There's a billion other people. Active duty. Yeah, so billion other people on the military. What are you talking about? There's so many more people. I'm just there to get it. You don't know what's going to happen in the future. Have my school pay. We have a certification paid for. Oh my gosh. Okay. I don't know what that has to do with what I'm just talking about. Like yes, you signed it up for the reserve's statistical likelihood. Not much going to happen. But it's there for a reason. Something could. And we are in a war. We're in an unpredictable world. Bombs be flying. I'm just saying don't expect nothing to happen. So statistical likelihood. Yes, I'm not saying not. Great. But I feel like you're kind of pushing them into that. And then what if he actually faces the consequences? The only thing is. It was his idea. I feel like sometimes, actually not even sometimes, she never listens to me. And I'm kind of tired of it. Well, I'm kind of feeling that there's a conversation that neither of you listen. But okay, she's never listening to you. But it sounds like you're doing what you want to do. If you wanted to get in the trades and you wanted to do the reserve military. She said it's your idea. So it sounds like you're being listened to. Now it is my idea. But I just think there are better routes. It's not necessarily something that I want to do. She said try them. Sounds like she listened. Right. But you got to understand it's. Tell me. She's very eager. I want it now in the moment. And so I'm feeling pressured to get into that. Anything now in the moment besides drying hair. So what do you want to do? What's this alternative path? I don't know. I really don't know yet. Yes, no. I just said there's all these alternatives. Because I don't. But you can't tell me one. So shut the fuck up. Go to a trade school then. You can work in customer service. And that's why you don't make bad money. But as a dual income household. I mean, you guys are already making more than most people do with the height of their income. As a combined household income. So you guys are killing it. But, I mean, obviously, you've. But if you're not a tradwife and tell this is done. No, I know. That's why I want to pay it off. But you guys already make more than the median household income in the United States by far. Oh, we could totally make more. Yeah. We can't make more. But we spent. But it doesn't matter. You already are making the more. We go on like 10 trips a year. Right? Yeah, by the way. Don't do that. We're young. I want to travel. And he's not here. You want to travel? Or do you want to travel? Do you want to travel? You want to travel? Do you want to travel or do you want to travel? You kind of want to pay everything. He doesn't make enough where I could stay at home. You guys don't make enough. You make like 120. If I stopped working, he could not afford to take care of me. Not your current lifestyle. Correct. Technically. I want to quit my job by next April. We already. Well, I didn't know by next April. Because that's what we're getting married. And then we have to go on the honeymoon right after. Are you not married yet? No. No. Oh, what do you still have a chance? Get the big boobs. They're not. They're not everything. You'll find many. I liked him. Probably. - He was, so he needs me. - Yeah, okay, I was he a loser. - He was smoking weed, like he was a pothead, he was vaping, he didn't have a job, he was living with his brother and his brother was pushing him into unemployment. - Shredding him into unemployment, okay. A hole to see. - The brother? - Him, I was 23 now, a hole to see. - It was like 19. - Okay, that's what I'm saying. - That's what I'm saying. - But I was already a manager at Walmart. - Oh yeah, you're right at 18. - No, but right at 18. - Even though no one wants to be around, you're definitely someone that accelerates in life and like I can respect that. If it was 19, like I'm not going crazy, that's what I'm saying. - I was freshly 18 when we started dating. - She thinks anyone who smokes is a loser. - What is women with this freshly 18 terminology every time? Why is it? - I was freshly 18. - But why do you have to put freshly in front of it? Women are obsessed with this word, with freshly 18. Congratulations, you turned 18 like every other human being in history. Why is that almost sort of freshening unique thing that you win only you experience? - I'm just saying. - Why are you in phantilizing turning 18? Congratulations, you go serve up with the military, you can get a job, you can do a lot of things. You can vote for the future of this country and have the consequences behind that. - Which is a good thing, I can vote. - Freshly 18, huh? - I should be able to vote. I'm great. - Yeah. - My beliefs are the best. - Okay, I didn't advocate for taking away your right to vote. - I never said you did. I'm just saying, me voting is good. - Yeah, but why do this infantilization around 18 is such a weird freak behavior? You were an adult like everyone else. Get with it. - Who cares? - Okay. - Why do you have to set it up with this prerequisite of being fresh? - 'Cause. - You're not full-ass, dude. - Yes, I was. I was freshly 18 and he was a loser. That's what I'm saying. - He may have been a loser, doesn't mean that it's like, you don't have to infantilize yourself, man. When did you guys get together? You were 19? - No, he was 20, almost 21. - I was 20, not even close to 21. - Yes, because we got together in July and his birthday in November. - Together when you were fresh, only 18, then he'd be 20. - No, then he turned 21. - And you were so fresh. - In November. We got together in July and he turned 21 in November. - It's like five months. - Okay, well, why the fuck does that matter? That's such an insignificant thing. I know people like you freak out about months and one year age gap, but who gives a shit? Okay, so yeah, maybe he was a loser. That's fine, listen, I mean, it's not, and I would advocate for you to get better. Is she the one that fixed you? - She helped. - Okay, 'cause she seems to be very strict. You kind of strict just whippin' around the house. I mean, you got your shit together. I mean, again, I can appreciate that. - She has a very articulate, and she's very specific. She knows what she wants. - What? - What do I want? - What do you want? - Well, I didn't want him to smoke weed. - Okay, reason we're repost. - Vaping, he quit that, 'cause I was like, - Helped that her mom's always like, overpowering. So like, if I have anything that we're fighting against, what the fuck does her mom do? - You don't understand. Well, we can do it, but-- - I don't even talk about anything for my mom. - Her mom always backs her up. No matter if I'm in the right, or if I genuinely making the most sense-- - She actually does take your side on somethings. - You don't get it, no. - 'Cause she told me I have to stop doing trips, and you were advocating for that. - Well, we're still going on trips. - What care about your mom? - How many trips have we been on this year? Six? - What the fuck? - Bubbly. I mean, we just got off of a trip. - We just came back. - It's May! - Yeah. - She's doing! - She's not going on anything. - Okay, I understand. Young dumb, then this is the, yeah, a lot of money. It's, but you guys are just blowing it, man. You don't have, you have no idea. Do you amount of money you guys are making now? At your age with the compound growth and the time of the market that you could have, multi-multi-multi-multi-multi-multi-millionaires by the time you retire. You're just throwing it away for temporary pleasure. - But I don't want to work. - Well, that's fine. Then why are you going on vacations, building up the debt that is preventing you guys from taking off work? - She's also spending like 5K on Italy the later this year. - Then you're (beep) - Because you don't get to have everything. You can't have that. - He doesn't make enough, though. So why would I slow down? Why would I slow down? - Because you're making him have to make even more and more and more. The more debt you accumulate, the more he's going to have to get you out, to get you out of the debt in order for you to stay at home. - But I would stop if he actually tried to do something with his career. He doesn't even know what to do. - And that's what I'm trying to do. - That's what I'm trying to do. - I know he doesn't know what to do. You've told him what to do. That was his idea. - Kind of. What did I say? Then he can't say he doesn't know what to do. - I briefly brought it up. And then she took it and went like a thousand-- - It's gonna be five years before he actually becomes a plumber. - It doesn't make any sense. - That's like about five years. - Okay, but you'll be making so many long the way to apprenticeships and what exactly. - Yeah, he's gonna start at like 18 an hour for the first year. - It's still my, okay, you might have to work a little bit at 23 or one. (humming) Who cares? Like you'll work a couple of years. You'll be a (beep) a tread whore at like 24. - If he actually does it. - I feel so pressured to give her that lifestyle. Do you even wanna give her that lifestyle? - I don't think he wants it. - Why do you say that? - Why? Cause he doesn't do anything. - I feel like we are young. So we can, we have the time to get to that lifestyle. There's not to be right now. - Okay, you don't necessarily need that lifestyle, but if you guys wanna have the lifestyle, you can, but you kind of for it, it's kind of. Okay, you guys are just making it so hard cause you, you know, life's so early. I don't really understand the point. You guys have an unlock the level of income that most households never get to in this country. - Really? - I feel like we're not making a lot of money. - I feel like, yeah, I feel like we don't make a lot of money. - You make like $120,000 a year. - Sure, but. - Yeah, but then. - We mean, I was holding, I'm not sure if she just, like, you see the stack of paper. - No, but net. Net, we don't make that much. - No shit. And net, they $80,000, $80,000 a year, median household in the country doesn't net $80,000. - I'm just saying. - So what the point was that? Yes, it is enough. If you can't make it off $120,000 a year, you guys aren't gonna make it. - Here's the thing. My mom's paying for the wedding. - Oh, she's back, okay. Welcome mother to the conversation. - She's paying for the 30k wedding. But then. - There you go, spoiled. - No, but then we have to go on a honeymoon. That's probably-- - Don't have to. - 25k. - Why are you saying you have to? - Why? - Okay, what the fuck is wrong with you? - Cause he needs to pay for it. - Her mom is wanting you to pay her back. - Then don't do a 30k wedding. - We already booked everything. - It's already booked. - I'm sure you've got some things now. - No. - Everything is in a package. Why'd you do that? - It's easier. - They said, it's like a two-year-one. - They take care of everything. - Is your family contributing? - No. - No. - Why? - I don't think they want to. - They might not want to. - I've asked, going into $30,000 a dead immediately out of the gate of marriage to a family member is, what do you stupid, and then you say, "No." - I just, I don't have a say. - Okay. - Turn him on. - Are you distancing him from our family? Are you grooming this man? - No, I love his family. - Why don't they want to participate? - Loves my family. - Oh, what does that mean? - I don't know, I feel like it's all an act. Just to, you know, be the nice lady. I do. - You love anything, you're. - I love a lot of things. I would love my lifestyle that I want. - That's all it is. - That's all she will. - Or. - Doesn't matter how she gets there. - It's all for right now. - Dump him, date a rich person like in this room. Don't give you that lifestyle. They make as much as you guys do as a meeting household. Get a better guy. He married a quink. His family won't even provide for the wedding. Brandon's over there. He likes big boobas. - Yeah, but he's a manhore. - True, she knows the lore. That's true. That is true. A well done. - I like stuff. - And then, dump. - Okay, okay. So I, you guys, why do we have to do a $25,000? You said half to Honeymoon. - Honeymoon? Yeah, we need to go all out. Go to Greece. We only have-- - We don't need to. Why is the need? I don't understand the need. - We're young. We need to travel. - Don't need. You want to work it. - You want to work trips this year so far. - She said she wants something to remember. Which one? How many trips? - Like eight. - Eight trips. - Have you done this year so far? - I mean, we just got back from the casino. Ben, Denver, Durant, Choctaw. - Oh, it was like a day drive. - Okay, it's a little thing. It was like a week. We spent a week there. (screaming) - It was right before this. We just flew into Denver. Two cruises. - Oh, yeah, we went to Denver for a week. - We took a week at the casino. Like the one in Oklahoma, that thing? - Yeah. - What the fuck? - It's just a week there. - There's like the pools and bowling and arcade. - There's pools and bowling and arcade where you live. - Not really. - What the hell? - Yeah, I think so. - Like an hour away from everything. - It's the same distance. - Yeah. - So why is it going? - Well, you went to a casino. It's not necessarily great for money. - We brought a set amount. It wasn't that much. - I brought 150 and he did too. - For a week at the casino. No way. Go. - I did take out more money. - There you go. - That's impossible. Where else did you go this year? - Two cruises. - What the fuck? - Actually, no. 'Cause if you count since like last September, we went on a cruise. - And I know you avoid carnival, like the. - Oh, of course. You don't even be around those blackies. Then. - What the fuck? I shouldn't laugh about that. It's crazy. Why would you say that? - Why? - Yeah, why would you say that? - That might've been the realest thing you've ever said. - No, why would you actually say that aloud? That's crazy. - You're laughing about it. That's insane. - It's carnival. - That's insane. - You've never seen a carnival cruise? - Why? - That does sound like a. - Joe, yeah, that's not a joke. I say jokes. That's not a joke. Have I ever said that? I say crazy jokes. I've never said that. Yeah, please. Yes, please. I mean, I would also not go on carnival cruise 'cause I'm just like, I avoid trashy behavior. Yes, but out black people. - But that's what you were insinuating. - Exactly. - Oh, trashy people. - That's what you were estimating. - I actually didn't really, oh, no, I insinuated that. Yes, you likely do not want to. She talked about, she was saying some things before we started filming too. There were a little racist, so that's kind of why I knew it. I was kind of impressed. - Not started it. - Not started it, huh? - You started it. - You did. - You're calling us all white and then it's good to be white and. - I didn't say that. - Yes, you did. - What's going on? - Guys, do we recording that? - Tyler. - 'Cause I didn't say that. - Hey. - Oh, what's up? (drum roll) - I love how they pulled them. You guys pulled them. It's great. - At least you called them a hymn. - Not an it, or. - It's concerning, I'll be honest. They went on two cruises this year. I made a joke 'cause most people want to avoid carnival, obviously. For obviously, this is even new, Tyler. - Yeah, for sure. - I said, obviously, avoid carnival. And she was like, huh, yeah, I don't want to be around those blackies. - She did yell it pretty loud. - You said blackies? - I did. - What's your perspective, lady? - What the fuck? - Blackies? That's how you refer to us, blackies? - Yeah. - You should see what she says at home in private. - What did she say at home? - I can't say that on camera. - Actually, we're giving you permission. - No, he can say it. I can't. - Oh. - What? - Who calls, not on a f***er talking to him. - You said it too. - Why do you both say that? - What? - I'm trying to act like she did. - Well, I mean, she brought it up. - What are you saying, too? - I mean, every now and then. Do you guys say the ends at home? Who does end in private? - You know, there's some footprints that you just can't erase. - When he's gay, baby. - Yeah, when I'm gay. - And when do you say it? - When he asks me, his friends will come up. - Oh, she'll just let it rip anytime. Don't even believe it, no. - No, I will not. It's whenever you're gay. - Oh, I'll sit here and try to act like you're old. It is in all of a sudden. - I'm not. - You just call those blackies, nigga, what the fuck? I'm gonna be real with ya. Your dad is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections. Whatever, your interest rates are different. Your payments are different. Your life is different. So why do you need some one-size-fits-all solution that treats you like a number? Some generic calculator that spits out. Just pay more. - As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, "Good luck." 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Hundreds and millions of dollars to private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollar-wise. Fills by these people just like you. Four people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download and I'll start the free trial. Dallowwise.com, link in the description below. What the fuck? She's scared right now. I'm not scared, Tyler's cool. Well, thank you, I appreciate that. Are you saying he's one of the good ones? Yeah. One of, like, very few. Same with Robert? Robert's cool too. You not Robert? No, I'm just saying he's cool. How does you know the COO? Why do you call black people blackies? It was just a joke. Just rolls off the dough. You know, hold on, hold on, pause, pause. You're okay. Rolls off the tongue? I mean, what would you prefer? Black people, people, person. That's too sayable, it's like harder to say. I don't like what you do. Because people are harder to say than blackies. People, you can't say people. It's no longer what. You can't say people. People. I'm a person. What am I? You are a person. You gonna call me a blackie? I mean, she did it for me. Call me a blackie. Call me a blackie. I got permission. You're a blackie. What's going to happen? I don't want to find out. All right, good. Glad you didn't do it. Why don't you call people blackies, bro? It's a joke. I don't give a fuck. Oh, you guys are saying the N word at your house. That's not a joke. I don't give a fuck. You act like you don't. I don't. I've never said the N word. I just feel like you do. I do not believe it. I love jokes. But it's a joke. It's a joke. It's a joke. It's a joke. It's a joke. Yeah, when you say it as a white man, it's not really a joke. Oh, my God, and I'm not very SJW for what we make the word. Why can't we say it? That's wild. That's wild. Oh. That's out of pocket. Okay. They were being racist before we started filming. What do you say? I came in and I looked at them and said, you guys are like the whitest people that have ever been in the studio. And then he said, that's better than being black. I mean, can you blame me? And I said, I guess that's kind of true because my life was easier. But then that's not why they said, yeah, isn't it easier to be white? That's true. Okay. I mean, there is some DEI stuff that was helping you guys for a few years, but we kind of rolled that back. Isn't it? Are you on my side of this side? I'm on the judge by talent side. Okay, judge by talent. Okay, I like that. I appreciate that. And part of it is not even bad anymore. They don't play black people music anymore. It's not them music. No, that's not what I'm seeing online. It's the people. No, it's. Then what? They like steel stuff, like you see, they literally changed their policy because they were stealing stuff and they were causing problem. What does the people say? There we go. Uncarnival. The group of people. There you go. Thank you. Of course. Thank you. Good job. Everyone on carnival. I'll be honest. You guys, okay. You guys are in the deep suburbs of Dallas, in the white area. You guys are racist. Just own it. And it's, well, it's not fine, but just own it and we'll accept it and move on. I do make fun of everyone though. Yeah. It's like it doesn't matter. But I don't call people the N word. I don't make it call them. I don't call them. I don't call them. I don't call them the N word. What? You're saying it's your house. It's not calling them that. Not at all. Guys. I love jokes. Saying the N word around the house is not, you're saying you've never let it rip once. No. Come on. I don't believe you. I've been friends since elementary school. He backs me up. He knows I've never said it. Have I dreamed it? Of course. Who doesn't. But I've never said it. No, it doesn't make it okay to actually call the people. Like you wouldn't call a retard a retard. Exactly. No. You don't do that. I'm just saying. But you say it. You can say the word, but you don't call the. Not a mentally challenged. Yeah, not actually a bunch of. Yes, that's what. Like random. Yes. You wouldn't say that to someone. Like you wouldn't say the N word to Tyler. There's people who would. You would call me a blackie. Yeah, blackie is crazy. You call me a blackie. And I would call white people, white people like cracker. White people. White people. White people. What about black people? You didn't say whitey. You said whitey. I said whitey. I would. What? White people. What the fuck? Whitey. I don't care, cracker. I don't care. I'm on. Yo, what? What? You. What? You need help. Don't say the blackies before you get your ass meat. Somebody go be jazz. I'm so serious. It's almost like 1920s conservative woman ever born. I don't give a fuck. Go to the diner then. She can't be fixed. She can't be fixed. She's gone. Don't leave that. She's going to make racist little kids. And I mean, they're a cute couple. But they're just. Yeah. Generational. I want to put my hands on this. What do you say? He said generational. Okay. Guys, if you're racist, just embrace it. I make fun of everyone. You make fun of everyone. Do you guys like black people? As a collage. Sure. Some of them. I'm being on like, dude, the stereotypes are there for a reason, just like how white people have stereotypes. Yes, continue. I'm not going to go and list them, but I'm not going to go name any, but you know. I think you should name any. I think he knows too. No, no, no, no, no, no. I just want to see how informed you are. I'm pretty informed. No. I'm not going to do that online. Smaller shovel. Smaller hole. So, do you like black people? Yes. How did you. I don't know. That wasn't a great answer. I don't like the way she said that. Come on. You wouldn't. Okay. If you're school that you were sending your kids to where even 30% black, you wouldn't not send them to school. Well, I want to go to school. Oh, hell no. Oh, yeah. Your kids good. I want to go to school, so then they're not in public school. Why? Why? Because of how the world is going. How does the world going? Have you heard of the litter boxes in schools? - This is the second time this week. Is this the second news story going around? I don't-- - It's beta thing. - It's been a thing. - It was all made up. That's the admission from Joe Rogan. - Years ago, yeah, don't get me wrong. Yes, there was some-- - Imagine setting your makeup. Then forgetting it's even theirs. Meet new grippy setting mist from Maybelline, New York. Gel to mist technology locks in your look for up to 24 hours, with flexible all day comfy grip. Just plump, dewy, hydrated skin. That still feels like your skin. Try new grippy setting mist from Maybelline, New York. - Maybe it's Maybelline. - Weird performance of politics, but isn't that kind of down to especially in Texas? Okay, what else is going on? - What else is going on? Or how the teachers sometimes will, like, molest the kids? - That happens in church, too. Are you sending them into church? - No. - You're a good church. - How religious? - No. - I just have the values. - What's your values? Clearly they don't, they don't like black. - I never said that. - You call them black. - He had to call them black. - He had to take the same words. - I'm the furthest from what you can get. But we know it doesn't have the same impact. - I get that because of all that. But it's the same thing. - What are your values? - My values? - I don't know. - I don't think you have any. - I really don't. - Who do you watch? - Who do I watch? What do you mean? - What content? You guys are picking up things. - Watch you. - Okay, but I don't go around doing that. This isn't a racist show. - No, you make fun of everyone. - Yes, but I don't call them black. I don't understand why it's so bad. If you make fun of everyone, same thing is bad. It's like the same thing. - No, it's like family guy. - It's like family guy. - Today are like the quiet cry baby freaks. So we don't really care about them. - You ever seen family guy? - Yes. - It's like that. They make fun of everyone. And it's funny. It's allowed. - They're gonna stick out. That's gonna be their talking point to get them out of what they did. - Okay, come on. I feel like you guys are just a little nervous of embracing it now. - I know. - I realized that you're on camera. - I knew it. - There it is. There it is. He just said, it's not live. But that's why I didn't say that right now. - No, 'cause I don't. Am I, we make jokes off camera all the time. If I ever called anyone. - That's called a racel series. - I've never called anyone that. - You guys are throwing ends in the house. I mean, come on. Just that alone. - Yeah, I'm only his translator, bro. I can't do that, sorry. - Yeah, that's crazy. - Can't do one. - We don't say ends. We don't say ends. - Well, as someone who's a big joke guy, I go to the comedy mothership. Lots of white comedians there. I've never heard them say the end. And they're like the edgy comedians. - Yeah, but you don't call someone that word. It is what I'm saying. - Trust me. Otherwise, it's just the only black guy in the audience. They wouldn't be calling anyone that. - I'm just saying. - Okay, thank you guys. - If you take away the meaning. - You say this on the day his mother visits the office. - Your mom's here. - Yeah, and you won't see her. You're gonna flinch her. - Oh, crazy. - I'm protecting her. I'm protecting her. He's the bad man. - He's the bad man. - He's the bad man. - She said it. - What? How am I at fall here? - That's a new dad guy won from my game. I'm not trouble at all. - Okay, thank you Tyler. - Thank you Tyler. - We love Tyler. - Am I wrong? - She told us. - Are you real? - I am. - I'm going to land on to it. Okay, you guys are racist just embrace it. It's okay. Come on, like you're not. Come on. Be real. - I don't think I am actually. - What? - Actually, I know she is. - Yes, thank you. - I don't think I am. - We both are. - Because I make fun of everybody. - Thank you. - I'm just trying to cover it with jokes. - Sure, a couple of jokes. You guys are racist. You guys live in the deep white suburbia of Dallas. You guys are racist. - It's not that white though. - I mean, it's fine. - You ever been to Dallas? - I embrace it. - Yeah, a few times, but it's not a lot of white people anymore. - Yeah, not in Dallas. - First go. - I'm sure in Greenville. - In Greenville? - Well, I don't know. Okay. I mean, I don't know how to get you guys to honestly be able to afford this thing. I really don't. This doesn't make sense. It doesn't make sense. Don't do this honeymoon. - We need to. - You don't need to. - We do. - I want to talk in circles around this. - I'm off for going on a honeymoon, but 20k is ridiculous. - That's ridiculous. - Same with the white. - You can do. - I don't want to take that shit. - With your guys' income. I don't know if you will be able to trade white, but you can have a lot of really nice vacations in the rest of your life. You can avoid all the minorities you want. You can go to the whitest places. Northern Europe. It's just absolute peace and quiet. - No. - Okay. Interesting counterpoint. I don't know what to do then. I don't know what to do then, guys, because if you're not willing to back that back off that, I can't get you to tread wife them, stay at home on this income, and 20,000 out of a kitchen. - Yeah, because she needs to make more. - That's what I try and say. - She needs to be the man. - Yeah, but we established even plumbing. It'll take like five years from to get to that full income. So we don't get to do the 20k now. Can we do a 20k trip from the future to a small honeymoon now? Because listen, I can get you. - Then we will have kids, and I don't want to take kids on a trip like that. - No, get to the grandparents to watch them. - I don't know if they would do that. - They wouldn't, your parents don't love you guys. They won't love your grandparents. Are you guys not close to them? I think they would watch you. - That's what you would, won't they? - Maybe for, I don't know, a week. - And then they get racist later. It happens every time. - I'm almost asexual. Like, if anything, well, I'm just saying you're saying that, but I'm like, I'm closer to that. - I'm sorry, buddy. - Then, I mean, we still do it. - No, I'm just saying you're saying. - Like, maybe once, twice a week. - Yeah. - Oh, good. - No, but I'm just saying, you're saying I'm getting real. - Okay, I was with you. Calm down. My goodness. Freak. - Because I'm anti, - Okay. - Anti, everything like that. - Anti what? Okay. Rip. To you. - Do you have to-- - No. - At all? - No. - Ever? - No. - At least a human trafficking. - Before, maybe, but-- - I don't think every-- - No, no. - A lot of it. They're getting human trafficking. - Yeah, there's probably some bad stuff, but I don't think every-- - Maybe not every single-- - The Zoom really bad. - The Zoom really bad. - The ones that just the creator themselves makes. I don't know. I'm not saying you should pay for it either. I mean, can be damaging and unhealthy for many people, many men, especially, but like, there's also okay consumption if you can manage it. Just like anything. Just like you at the casino. - So you recommend paying for-- - No, I just said. Probably not paying, but-- - Well, you said-- Like, because you said for people who created themselves. - Give me your phone. - My phone? - Why? - Why? - Let me see it. - Why? - You can see her phone. - No, I want to see your phone. - Can't see us on watches. - I don't. - Okay. - You can take it on your phone. - No, you can see hers. - Mm-hmm. - Yeah. - Mm-hmm. - Why would you-- - Are you hiding? - Yeah, why wouldn't you let me look at your phone? - Why the f*** are you not giving him-- - I just don't want that right now. - Don't want that right now. - What the f*** is wrong with you? - I don't want it right now. - Why are you not giving him your phone? - What? - I don't want that right now. Maybe-- - He's wrong with you. - Yeah, that's sketch. Maybe later. - Oh, give me your phone. - No, no right now. - Why? - Because-- - Give me a good reason. - A good reason? - Yes. - Uh, I mean, I guess there's-- - There's no good reason. - 'Cause you're watching. - Oh, come on. - I don't. - I'm not gonna look for anything else. Only f***. - Only f***. - Yeah, and if you don't watch f***, then you don't have to be worried. - I mean. Sure. - Ah, good. Enough pressure, enough caving. - Yep. - Ugh. - Now, Android not as familiar. - Good. - And just if he watches-- - It doesn't mean it's a bad guy. Just gonna let you know, okay? - Oh, he would be. That's like almost cheating. - She's like not a big fan at all. - Okay, why don't you go ahead and log in since there is an email I just associated with only-- - It's your hotmail email. - Which email? - Nevermind. That's what Otto felt, it didn't do like- - Like a facet, D. - What email? Blives as stupid idiot [email protected]. - That is my email. - Yes, that's why it auto-filled. So, that's auto-filled. - That's actually crazy. - It better be forward. - I've got half of it. Are you sure that tab's not old? - It's not, I went to the website. - Right. - But it auto-filled. - What do you mean auto-filled? - Your login information. - Are you logged into an account? - I don't even have an account. I really don't. I mean, if there is one, I don't know the password. - Uh-huh. - That's why. - Sure. - I'm being for real. - He's being for real. - Are you in an account? - I'm clicking around and learning things. We're just, you know, looking so far that Reddit is clean. I'll give you the clean bill of health and Reddit. Not a (beep) so, okay, besides the thing, the rest was relatively clean. - I look at a search history in the post-show, just to be extra safe. Thoughts on the situation? - I really didn't. - Scandal. - You actually haven't. - I really don't. - That's going to be a problem. - Well, yeah, it's probably-- - It's probably old. - If it's old, that's okay. - But I'm like-- - But not before you guys were together. I don't think it's gonna auto-fill three years later. I mean, that would be pretty, it might like cookies and cash. - Come on, I don't know. - It's gotta be old. - It's gotta be old. - It's gotta be old. - That's crazy. So honestly, to read the situation with what you're doing, I know you guys are getting married, you've been together for a while, you seem more interested in turning him into the man you want instead of actually finding the man you want. Just like you're trying to construct him into someone. Why not? I don't know, you'd probably be a weird insult loser without her. So maybe that's why you're afraid to leave me. - Inso, losers are-- - I think you would, huh? - Possibly. I think maybe-- - No way. - You were a loser when you were living-- - It was not a loser. - Not a loser. I mean, being a positive-- - I think I smoke a little weed. - Maybe your games all day. The brother pushing for unemployment. - I was never gonna do that. - I'm just saying, that's not-- You didn't have a job. - But me playing video games, chilling-- - I mean, I'm being told his family thinks he's completely changed and that you blame him. Or they blame you for changing him and ruining him. And that you've made him give up almost everything he likes to become the man you want. Like that's kind of weird, man. He needs to be successful in life. - Sure, but he's a lot of-- - I do do a lot. - He's also enjoys some video games and-- - Exactly. - Friends and stuff like that. He doesn't have friends here. They're in Colorado. - Yeah, yeah. - Okay, so maybe he wants the game with them. - Exactly. - That would be nice. - He does. He does. - I don't get a lot of that anymore. - Like one or two days a week. - Uh-huh. That's it? Why do you control him so much? And what is he allowed to do in those one or two days a week? - He games all night. - Some not all night. - And you banned his brother and sister-in-law from the wedding as well. - What sister in law know? - Oh, yeah. - No, I love the sister. - Oh, sorry. Brother and sister, um, okay, but brother? - I do have brother. - Oh, I mean-- - In his wife? - Not his sister, like the brother's wife, yes. - How do you feel about this? She's like owned you. She's changed your life. She's banning family. It's gotten a lot better. How's it getting better? She's banned your brother. - I'm going to the wedding. - He tried to sue him. - Yeah, he did. - He tried to sue-- - I'm not too big of a fan of them anymore. - Okay, well, maybe that one's the best then. - About the other stuff, I do wish I had a little more freedom. For sure. - I don't think freedom is good. Not when you're smoking a bunch of weed. - Sure, but alone to have some fun. And also like hitting the joint here and there. Like I don't do a good makes me anxious, but-- - Here and there. - I'm not like horribly opposed. Does he bake an old day? Then yeah, that would be bad. - I just think weed is horrible. - That's why I drink that. - I mean, it smells gross, but yeah, so you're okay with him drinking? - Yeah. - What? Okay, I made that make sense. - I used to never drink. - And I quit weed now I drink. - Like that makes sense. - There's studies that are coming out that like smoking weed is so bad for your brain. - Yes, but also there is not one actual real scientific study that says any amount of alcohol is good for you. - I know, but I'm just saying. - Like it's all, there's one drop is bad. - You have to dig up personality. It's not good. - So you put them on alcohol? One of the most addicted substances on the plant. - Well, obviously I want him to drink less. - Yeah, she thinks that drink would like. Oh, she does, great. Oh, I mean, how much is being drunk? - I don't know, I'll have, if I'm gaming, which is usually like two days and Friday, so I'll have like seven, eight beers. - What the fuck, that's crazy. So you actually might be right then. - Yeah, that's a whole lot. - Pretty soon we're gonna become this country. - So that's an insane amount for a single city. - What's normal? For a single city. - A couple beers, so you go out to the bar and you have like two beers. - I don't drink, but a couple beers would be normal. Yeah, if you're getting shit-faced, that's insane. - Mucking shit-faced. - Because it's very hard. - Eight, it's a year or so, a little bit. Eight beers is insane. - But it's also his tolerance. - Not because he drinks so much. - Yeah. - Well, if I could smoke a little weed, I wouldn't drink as much. - I just think so. - Maybe it's a loser. Why can try to construct a dream man? What is he providing that you seem to really want to construct him into versus you going in? Like, I think, I don't know. I mean, show me your Instagram. - I don't really have followers on that. - It's not about that, I don't care. - Okay. - 'Cause you got tits, but I can't tell if you're fat or not. Okay, you're not fat. You're not fat. You could probably go get, yeah, there's a bathing suit picture. She's attractive. You could probably go get most men. Like, she's- - She's brought it up before. - The ugly- - I have not brought that up. - Yes, you have. - Yes, you have. - Well, that I could get some better. - I go from a friend, he's in town. - He's been on bubble for a week here. She got 4,000 likes. Like, you guys have the ultimate W in the dating pool now, as everything's been engineered for women. - I've heard that dating is so bad now. - It is, but you could seriously, with the selection you have, find the dream man. You really could. Why put up with, you are a loser, a loser. Why do you have to construct them into something? - I don't think I'm a loser. - Like, you're genuinely a pretty attractive person. I, you know, it doesn't matter if it's not my type, that's whatever, but I can tell you would do well. Okay, I can tell you would do well. You got tits, and you're not fat. And obviously, men want based women today. It's just kind of is where it is. So why, I'm confused what you wanna do this. - 'Cause I love him. - Why, what do you, why? What do you see? - His personality, and-- - What about it? The personality, everything you've complained about, he's lazy, he has no ambition. He drinks, he smokes, he's a loser. What's the personality like? - I don't know, he's-- - It's actually a good question. - No, you know what it is? I'm being told, you wanted marriage at 18. You're just rushing, like, the first dude to pick you up, because you have this dream of this ultimate trad, life, them. That's what you want, and you've rushed into it, dude. That honestly might be a loser. - I do feel like you kind of rouged me of my early years. - Okay, that's gonna hold your resentment over your long life, what the fuck? That's insane. - I mean, I do feel like we're going fast. I mean, we're gonna get married next year, and-- - I mean, you broke up with him before, because he was parting him too much, but you immediately got back with him. So it didn't matter. I have an exclusive offer just for you, but there's only one week left to purchase. For a one-time payment of $500, you'll get our entire Hammer Elite catalog for life. 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But with everything you're saying you want and everything you're saying he is. You guys are 23 and 21. - If there was a time to figure out that maybe you guys aren't ready, if you guys aren't the match for life, that age is kind of the best age you do. At least you're not doing it. Mid 50s. Yeah, why don't you rather figure that out now? Especially before 30,000 hours. I don't know. I feel like we're both scared to leave each other and why I don't I don't know Okay, you if you're gonna drop that you have to give me some insight failure failure Being alone being alone failure. Okay, neither of you gonna be alone You're both attractive and you're both successful relatively. Again come on. You're both gonna be fine You're both gonna do well in the dating market You won't be soon. Imagine setting your makeup then forgetting it's even theirs Meet new grippy setting mist from Mavily New York Gel to mist technology locks in your look for up to 24 hours with flexible all-day comfy grip No tightness, no stickiness, no residue just plum do we hydrated skin that still feels like your skin try new Grippy setting mist from Mavily New York Maybe it's Maybe Lane Go for a long. Okay easier for you because you're a woman just how it is right now, but you'll be fine too So that's our Is that what's preventing someone from making a move? I mean, I never think about it, but you are now when things get real I mean it is real. This is the rest of your life. I've thought about it Why tell me I mean, it's just scary. I don't know if I could give it what she wants I don't know if I could be the man she wants do I want that really I don't want to be married early I don't think he wants it and that's okay. He doesn't have to but you guys shouldn't force each other into the lives that each other Demand yeah Like that's on that's not healthy That's not healthy. Yeah, I'm sure you guys enjoy some things together. I'm sure you have some Things you do mesh on I'm sure you enjoy the travel together and show your guys as families are okay together Well, if you're trying to reconstruct each other to fit a perfect mold and might not be the right match and that's okay You don't have to be maybe you guys are great friends Like I think that's why we travel so much because it's it's paradise. It's hard to be mad at each other It's hard to have any guys mad at each other not not really often but we also don't talk about anything real So it's like when to avoid that conflict. I mean maybe I don't know because I feel like he's just getting resentful And it's like I've always known what I want and I've always told him what I wanted He's not that so why would you make that him and why would you stick around for that? I like I'm sorry Why would you just allow resent to build and then waste their time? I mean, I I feel like it'll be a more fulfilling life than what Sure, but what I'm doing and also your resentful because you just want to game with the boys down Are resentful. Did you game with the boys down in a beard? Are resentful. You don't want to do the Southern job like I've taken away your young years, which I don't even think like it's just a thought. It's just a thought Yeah, but if you're thinking it you're just not saying you have never thought of anything No, because I want to get married. I want to settle down. I know, but you never thought about it might be better I mean sometimes because I'm like maybe I wouldn't have to push so bad for someone to excel Yeah, she shouldn't have to be like a little push here. There's okay, but if she's having to relentlessly push you to try to have any kind of Ambition that's someone who's never gonna have ambition Does that make you feel and your mom's right on that by the way, and that's okay Also, you don't have to have ambition. That's your life if you're you don't have a bad job If you want to settle at that job, that's okay. There's nothing wrong with that, but again Maybe it just means you guys are not a match, and that is okay. I mean, it's nothing I don't know like her mom. I know she feels that way. I Think she likes me to some degree, but does she? I mean she likes how much like he's grown Yes, and she sees the potential but all through your push Probably yes, I've pushed for everything. Okay. Yeah, I guess her mom has a lot of opinion So we might call on the post show and see what she actually thinks about Mr. Scott over here Guys like I don't know I guess I'll do the financial order for the house, but I think we're learning something big here I I'm not advocating for the break up. I just think as fast as we're going Come on, you guys have been together for three years. That's not necessarily fast. Oh, but I like but then right after having kids Three years doesn't have the income for it like what no you guys have the income for it But she wants to be a tried wife, which is cool. Okay, you guys might not have a perfect income for that I know I would want to work from home until you build up to that because I know with plumbing. Well, there you go Are you working from home now hybrid? Okay, would they let you possibly yeah, okay? Okay Cuz yes, you objectively make enough to have like a 10-kit household happily Ten kids while no, it's wild. I'm not saying that. I'm saying your financial situation Do people are doing Ted Kins on the farmstead homesteads Making nothing they were starving times are different now. Yes, you're saying that your time is you make a hundred twenty thousand hours a year Yes, they're gonna live a good life that we couldn't have any kids you want Just two no, she said she's working in remote and tell you build up well, right, but and do three so that you're actually adding to society Three you yes, please because of the baby decline Be white enough. Yeah, we need kids I also got a lot of more brown people which is really gonna upset you I bet he has opinions on H1B's especially in Dallas the right guy. Oh yeah, I wish I could get him to talk I'm so care. Oh, she said the magic word. What'd you say see she said frisco? Oh, yeah, frisco, Texas H1B's that's frisco. Oh, yeah I don't go there that often. I don't like that place. I love frisco is in frisco super nice frisco's really nice It's just like it's super nice it's with a soccer stadium. It's worth that sort of the Cowboys HQ is I would live in frisco Have you been there recently? No, but also listen, I okay, what about it? Come on What about look anything look up look up frisco test? They're not dangerous. So why not go there? It's get yourself some Tiki masala. Oh, I love that. I really like the yes, okay. She has okay. She's she's gaining She's she's winning me back. Well, I got him to try Thai food yesterday because you've never had Thai food at 23 Well, he won't be terrible. It's pretty good. What type of so good so good figured that out figured that out party. Okay, you're actually Indian food she made because I don't need to serve you. She may have been told dude. You won't go to frisco the same like I get it We can have complaints about my life going For things we could have complaints about H1B visa process. We can kind of complaints about border processes. We can get that but I'm sure Objectively certain areas in Austin places like frisco Frisco is objectively a nice place a safe place. It's nice. Sure. It's safe. Yes. So why avoid that makes sense. We all go there No, he said a boy. He said a boy. No, I did it. Yes, he did. Did he say it? I heard it. He did. He said it. Yes, everyone saying yes You said my bad. I will go there. I'm just not a big fan about being clean. Why aren't you a big fan? Oh, CD probably like about a whole lot of people a lot of Population it's such a clean area. It's a clean area. It's walkable clean with some walkable clean I'm sad about like Texas not being walkable though. It's hold on. She's winning me back here the architecture is that girl Mary me and my girlfriend join us. We will provide you babies and Everything you want and we're rich and not losers. He sucks and we live in a walkable area. Okay We got your life and yes, you know what? I invite some black people over in my house You'll just have to hide for that and then it'll be okay Okay, I do want to head into the money part. I just honestly I don't I really don't know if you guys should actually be together. I mean, I'm gonna I'm being candid in that like okay Yeah, we're joking a lot. I'm sure you guys actually really like each other and love each other and have good things and get along and enjoy The travels and you know life won't be horrible But if there's resentment building and if you're having a recon if you you do not have the same life paths in what you want in life Just be very clear in that and that's fine and you might have gone along with it, but I think you guys might be good friends and might be a okay match I don't think you guys are maybe the right match because if you guys are not together in what you want for life And you have to endlessly push each other to be someone that you're not That's not a forever life match and that's okay. That is not a bad thing That's fine and that doesn't mean you guys don't love each other. It doesn't But it might mean there's just a better match out there and now's the time to figure that out Okay, it's not a bad thing. That's not a bad thing. Doesn't mean you guys hate each other, okay I just need to be very clear on that I want you to run to the extreme side and think I'm saying you guys are just horrible for each other But you guys might not be life partners and that's okay. Just read it as I say Probably have to talk on the way home For sure long three hours Like five hours Yeah, we should we should we should uh Mark can we go get a GoPro Yeah, well, are you talking to Christian? I'm not can we record it? Damn sure. I don't care. That's fine. Okay. Yeah, let's do it first go pro you can see what their conversation looks like in the hammer elite membership They're host filming on the right home membership will be a part of the hammer elite membership the first one ever - You're doing so much, is not good. - I know, shouldn't have been in a fan of the show. But they always are, what do we think our household financial score is zero to 10, zero being the worst 10 being the best? Two. - Together is hard. - Together. - Now we're not married, but we're going off together. - Like one. - Okay, ladies and gentlemen, if you want your hammer financial score, get it for free, get it for free, it just takes a few minutes at Calebhammer.com. You can see where you stand in the world of money, where you're doing great where you're doing poorly, and if you don't want to be like, guys, you'll end up on the show, 'cause this is a lot of debt, let me tell ya. Download the Dallowice Budgeting App, start a free trial, see if it works for you. Most people sign up for the annual version after the trial because it saves almost 50%, and you get my 30-day budget meal plan, signed by me, mailed directly to you, along with the digital version of the cookbook. So there you guys go, no more me up prepping. If you're gonna stay at home, stay at home and cook. - I do, every night. - Really? - Yeah, I do every night. Besides random things. - Besides the goalposts that's being pushed. No, you're right. I mean, you guys spent a lot of money on bullshit, but it wasn't going out to you. - Yeah. - It's just other things. Now, another concerning thing here, I'm just like, that previous topic and we are gonna move forward, but this is on the income side. Like, dude, wants to be a streamer. And you about, and you flipped out on the phone when you were learning that. And the phone, you were flipping out. - 'Cause I just think that it's not gonna happen. Like, so many people-- - I don't think you guys are aligned. 'Cause you're not aligned on life. - Like, so many people try to stream and they make no money, and you have to do it for so many hours. - You need to do it as a hobby, until you blow up. Clip it. Post it on TikTok. - But you want me to go out there, make more money to provide for the house, so she can be a stay-at-home wife, mom, trap. - And that would be a good afternoon. Make a lot of money. - No, it's not as a hobby after work. - Yes, and then you-- - And then you're spending so much of your time, it's like insane. - I'm also concerned what the f*** you're afraid of me finding on your phone still. Well, it hits your account currently. I didn't get that number. - Oh, monthly, 36. - No, you make less than her, but you bring in like 1800, yeah. - Well, it's because I have a lot going into my 401(k) and then also health benefits. - Should you? - The 401(k) if you have this much debt, or is this all him? - Is that an other thing? He's not only a horrible match for you? - It's definitely not on mine. - Well, he's bringing in all the debt, then why are you taking so much of your 401(k), you should only be contributing to the match. - That is some trips. - Why are we doing, what other trips did you do this year? - We got the two that she was going to Italy. - She is going to Italy, no, she said you went to eight so far. - Well, the rest are just like weekend trips. Like, mostly to see family. - No, that's money, lady, that's money. - Yeah. - You can't afford that. - Yeah. - Who's this affair preferred? - Me. - What the f*** is wrong? Do you want to be a stay-at-home wife, but it has a balance of 5364 dollars? - That's Italy. - For the trips. - No, that's just Italy. - Does that mean it's good? - No. - Then why the f*** are you trying to say, oh, that's so silly. Like, what the f*** are we doing? How do you, why do you think you're allowed to spend $5,000 to go to Italy? And what world do you think you are entitled to do that? - It's our last, like me and my mom are doing it. - It's our last, our last day trip. - She can pay for it. She can pay for it then. Because if you want to be a tradwife, you don't get to have both. - If you're trying to survive up for a while before he could even do that. - But you're pushing that while even further because you're spending so much money on things that don't matter. It doesn't matter to me. - She thinks it's so nice. - Well, okay, well, which one's first? 'Cause if you're finding someone to travel the world, I'll structure this around this. But so far, it makes it sound like the tradwife, them is more important. So I'm structuring this kind of thing around for. - It's important. But he is not there yet. So what's the point of even traveling? - Because you're making it further and further and more and more he has to make to get you there. - I'm gonna pay off my debt before I even quit working. - Why, it could be going towards an emergency fund that is fully maxed out and paying off his debt as well. Which gets you there quicker. Italy doesn't sound like more important. If it is, we can focus your conversation on more travel. But it sounds like tradwife is more important. So that's why I'm structuring the conversation around. Am I right or wrong? - Both are important. - Which one's more? Choose, choose if it sounds like-- - You can talk to your head, choose. And I'll go get one. I have a 3,000 shotgun ready to blow someone's head off if they're breaking in. - Because of him, if he was making-- - No, no, no, no, no, no, no, no, no, no, no, no, no, no, no. - Choose one. - Tried wife. - Choose one. Okay, there you go. So that's what the conversation's gonna go. Massive minimum to payment comes with the card, $1,267.58. - Yes. - That's the minimum. - Yes. - So I don't get interest. - Okay. - Fees are growing while you are getting interest. Interest. - No, no, no. - Well, there is interest are growing on the credit card. Yes, there is $28 a month. - Oh, because of the balance. - Because of the balance. - You have a payment plan for the huge balance. So then there was like another-- - So why the minimum to payment is so high, but just still a growing interest. - Yes, but-- - Yend of fees. The fees are from the payment fees most likely. Yes, the plan fee, plan fee, plan fee, plan fee, Norwegian Cruise, American Airlines, probably American Airlines, Chase Travel, Norwegian Cruise again. So you've paid for fees, 318 this year so far, just to get these extra bullsh*t. - And interest is a growing-- - An interest, right? - Yeah, but it's still fees. It's still bullsh*t money that you can't afford. You can't have taken away from you right now in this financial position. You really can't. And what are you doing? Of course, apartments.com, you're paying for that? - Oh, that's all right. - That's all right. - That's all right. - Yeah, $31 now. - Oh, that was an application fee. - Oh. - Yeah. - Doordash? Doordashing callers? You have to have that taste again. Join me and my girlfriend. Leave that man. We'll have callers every day. My girlfriend will give you babies. This guy. - No, the doordash is bullsh*t. - I only do it like this, you find some money. - Wait, wait, didn't you just say you cooked-- - African. - No, that's lunch to the office. - Cute, pack lunch. - I know. - Come on, you're a tradwife, pack lunch. That's like your job. - I would. - You would? That's just random. You saw that I don't eat out often. So it's like-- - Well, callers Jersey Mike. You end up in another place. - Oh, Jersey Mike's is together, huh? - Great, but you still are. You still are adding to a balance that is accruing, and she said it's preventing you from-- (bell dings) - And that's not even traveling. And then there is the doordashing gold and gold and something. - Oh, gold and check. - Yeah, that's great. - And then American Airlines. - Have you had gold and check? - Yes, it's fine. The biscuits are incredible. - Oh, it's so good. Did you get the spicy? The spicy's good. - All right, she likes spicy. - The spicy's pretty good. - The spicy's good. I got her, she's not that worried. - These like crazy, man, 144 and just a month with your payment plans. Like this is insane. So, no, spending money on that shit doesn't make sense in this situation if you're trying to get to that goal. Listen, if this is the life you want to live, that's fine. - If the payment plan or the interest, I'm actually good. - Neither of these purchases. - No, no, no. But if I were to make the purchases, do you think the payment plan is smarter? - No, but it's still, that's an impossible question. Is it incorrect question? 'Cause the correct answer is neither, because it doesn't align with your goals. (bell dings) - Okay. - So stop. Stop. You're being spoiled. Think you deserve everything in this world. You don't. - That was just one card. - Yeah, that was one card. - Wow. - Who's blue cash every day? - Me. - You're, dude, you're a self. (bell dings) It has interest free currently, but it won't be forever. - Oh, that one. It's because he owed me money on that one. And my wedding dress was on there. But he owed me. - What are you talking about? - Yeah, I owed her like 1,500. - Like 1,700. - 1,700, he owed me. So then that was all put on that card plus my wedding dress. - Did you put, whatever, you put last time then you spent towards it. It takes 11 years to pay off, minimum to payments only without any purchases. Your kids will still be zero years old, 'cause you're never gonna get to your goals. - Probably. - Yeah, rip. - 11 years is not that bad. But I do. - It is if we're trying to get to your goal. - But I don't do minimum payments. You can see that, right? - You're right. You actually purchase more on a than you put towards it. So it doesn't even matter. That's it. You're actually doing even worse than just a minimum to payment without purchases. - So what the, can you turn to tell me, huh? - My wedding dress is on there. - I don't give a shit. Why do I care about your dress? I don't care about your dress. Can you dress? - I don't care. - It's pretty. - No. - It's pretty. - No, yes. - Well, you get to have to return it 'cause you guys shouldn't be together. Blue cash. And I actually mean that genuinely by the way. Not 'cause I hate you guys, but because I've, I think we've all known couples that are trying to make the other person be who they are not. And it does not end up well. Even if you guys love each other. It does not end up well. Good luck. $53 and 69 cents. It's a minimum to payment. Of course, plenty more than we're purchasing. It's a $2,684, 52 cents. What are we getting? It's a bullshit. Why is it wireless? Like $2? It was like a fee. What are you doing? Getting a gasset. - $2, I had a gift card and that was just the remaining. - Okay. Netflix, bullshit. Potentially maybe groceries. I don't know. Where do you get groceries? - Uh, it's different every time. - Where do you get groceries mostly? - Walmart, Thrive Market, Trader Joe's, sometimes. - Disney plus. - There's a bunch of places. - Maybe bullshit. Maybe groceries. I don't know. It's hard to tell. - If it's Walmart, it's probably groceries. - But you're still putting it on a card that will be interest-accruing. - That one's not interest yet. - Will be interest-accruing. - But it's not yet. - But I was saying that you're not paying it off 'cause you're purchasing on it. Okay. Oh. Do we have a balance without travel insurance? Wait, what is this? What is this balance on this cruise thing? You still have to pay this? - Well, what is this? - What is this? - We canceled the cruise. We still go. No, no, no. We canceled the cruise because of the plumbing thing, but then we just spent the 17 at Choctaw instead. - Yeah. - What? - Choctaw. - That's weird, Brad. - The casino. - Sure. - Hey, you guys. - So the money's already gone. You don't owe it. - It's on a credit card. - My freedom. - I'm gonna kill me now. I can kill me now. Is that a different card in here? - Yeah. - Is that a fuck for me now? What are you doing? You spent $1,700 at a casino plus the money, actually spend at the casino. We saw a move. - No, no, no, that's crazy. - We played Dingo. - It did count the stuff that we spent, the money that we spent gambling. - Dude, the lifestyle you guys are trying to live in your early 20s because you've been blessed with an incredible income is gonna destroy your life. - That's why we're here. - You guys are fucking up everything. You guys are trying to learn. This isn't trying to learn, you're doing this now. You're doing this now. You lost $825,000 of the flights because they were non-refundable. - Well now I've been fucking refundable. - Huh? Oh, now after you lost $825, yeah, good learning lesson. You see how you're never gonna end up to your goals? You're just losing money left and right with insane stupid behavior. Insane stupid behavior. At least I get to see the world before I'm a parent. - Uh-huh. - Before I'm a parent, before I'm a mom, I can see the world. (upbeat music) - That's kind of fucking stupid, I'll be honest. But what's not is actually getting a check-in account that gives you free money. Free money, we like free money. You can get up to $200 in bonus cash right now. When you sign up for the check-in account that I use, time. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time. Who would have thought that's incredible. Check it out, link in the description below. Stop bleeding out money, making minimum payments across multiple high interest accounts. Most Americans are spending hundreds. Sometimes thousands of dollars that could be going toward actually paying down debt instead of aligning some banks pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18%, or, oh my goodness, a payday loan, charging you triple-digital interest rates, you need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal, this isn't a magic bullet. If you refinance your debt, but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to Calebhammer.com. And remember, you still got to do the work. My parents are seeing the world. Yeah, but then they're probably old when they're traveling, right? Like 50. I don't know. I want to travel when I'm young and then have kids and settle down. When do you want to have kids? When we can, I mean-- She wanted to let a year. Put a timeline on this if you're saying you have to travel a world before that. Like two years. Okay, I don't think you need to travel a whole world in two years. No, but I can get my travel itch out and then-- No, you'll never get it out, dude. You'll never get it out. I can do a cruise once a year. That's affordable. Yeah, I mean, that's fine. But that's not like, that's not-- I want to hardly consider-- It's not like traveling that much. You're going on a cruise. I guess, but then you can pick the one that you go to at a bunch of locations. Okay, I guess once a year, I wouldn't be the worst thing and we could do that, but that's not what you do. That's not what you do. I don't have kids yet. You're going on two cruises this year so far. I know, but you're trying to in two years. I'm not going to be able to if you're doing this lifestyle. That's why I wanted to, you know, delay some things. You guys talk about money? No. Sometimes. Not really. Two very different conversations. Answers. What do you mean sometimes? We'll have a conversation every once in a while. Say we're spending too much, or I think we're buying some dumb ass shit. Like, I feel like we-- Those clean paper towels we just bought. Oh, well-- Yeah, I got bamboo toilet paper, because did you see the plastic detox on Netflix? So now I'm trying to go clean. This is 100% caught in. I'm trying to avoid all the talk, because it helps with fertility. Because people are having really big problems with fertility. Yeah, they're usually fat. No, not necessarily the six couples in there, three were able to conceive. Oh, and the documentary specifically about that topic that's not just-- Well, I'm just saying. Who would have thought? That's interesting homework. It helps with a lot. I'm talking about the paper towels, though. Those bamboo. Yes, those are bamboo. Those are dumb. Because all we use them on is to clean up dutch it. It's so good to get rid of toxins in the house. I don't agree with that. You don't agree with that. I mean, that's fine. But I want to be spending a shit ton of money that we don't have thrown away our lives for it. I'm not. What do you mean? Yes, you are with all the paper towels. Buddy, it's everything is stacking up. The second she saw that, it was a complete 180. And that's most things that she does. She sees it. She wants it. She does it right then and there. Like that camera. And you can hold every camera. Yeah. I sold the camera, though. She bought like this $1,000 camera. With G7X, I wanted to eat like two days after seeing it. But then I got it for $900. What? Why do you need it? She didn't even use it. She didn't use it. Your iPhone takes good photos. No, I know. And then I sold it for $1200. So I got a profit. Okay. You got lucky. Yeah. Not even one time. You got lucky. I saw that it was selling for a lot of money. So I was like, if I don't like it, I can sell it. And I did. Are you a cuck in this house, man? I don't think so. Because it doesn't sound like you can stand up for things. Say hey. No, that's not going to come. I'm getting 2B1. Any time. What are you doing today? That's what you being racist. Other than that. No, no, with her mom. Any time. What does this mom know? Every single time we have. I mean, her mom read the situation right where if she has to push you endlessly throughout your life, you're always going to do some of that. I don't know. There's some times where I know I'm right and her mom definitely thinks so, but she always sides with her. Tell me. No, right now. No, you have to. No, right now. Huh? My mom will tell me that I'm being stupid. Like, with the trip, she was like, stop doing that. And that's his stance. So, I'm like, I don't know why you think that my mom will just not agree with you if you're right. I can't come up with one on the top of my head right now. Because she does. She's pretty neutral. I need an example. If you're going to allege that, man. I don't know. I just think she's pretty, like, if I'm being stupid, she tells me. She's the first one to tell me about all these trips. She thinks I'm really stupid. Maybe that. Because it is stupid. Okay. Who has the ideal car? That's the ring. Is that correct? But it's in my name. You have it on? No. Okay. Engagement ring. But it's lab grown. So, it's not how much was it? Like, three thousand. Well, the set was three thousand. So, we are going to return it, right? Well, if we can. That's crazy. I don't think we can. We are going to sell it. I mean, they don't sell for a lot. You're going to sell it? They don't sell it. You guys aren't staying together. Right? We have to talk. That would be crazy guys. You are just not a match. I'm sorry. It's just the reality. I'm really sorry. I do feel bad about it. No interest accruing. That's fine. But it's going to take forever to pay off. The deferred. Look at the deferred. What is the deferred end? It's like July. Yeah. But it's him making the payments. I need one more payment. It was four thousand. In July. No, you made the minimum one life. You have to pay a thousand five hundred more. How much is that? How much is that? How much is that? That's one payment. You paid 55, maybe for like two to them. That's what you paid the last mine. I understand that. But that's what you make. That's an easy one more. Yeah, except you guys blow all your money. So maybe not. We'll see. And so how much goes on there if July hits? Hundreds, almost like a thousand. Oh, so it's like two payments. Dude. You want to be with the literal. Your kids are going to be so stupid. I'm not even kidding. That's not even a two payments. Who's the city double cash? I think that's me. You think you're in now. That's me. Okay. Well, interest is occurring. Why aren't you making large payments on it? If you can make such big payments. I'm paying off. That's what you said. I'm paying off another card right now. What do you mean? What do you talk about? There's another card to discover. Well, you better prove that when I get to it. Okay. Right now, this is a crude interest. Is it a thousand? No. Yeah. 944, $994 in 42 cents, minimum to payment, $41. What? What did you get? Why? Why? What's up with this card? Why is this so high? Oh, he's had a late fee this year. So yeah, he's really making a late fee. A late fee is crazy. He's had a late fee. That's what you want to marry again. What? It really sounds like I'm running a campaign to break you guys up. But like, you guys should probably break up. No way. Yes. $41 has a late fee. That's crazy. Where does it say it? Wait, wait, wait, wait. It's on a fees. $41 is a late fee. I mean, told that says, "C.S. Go card." Yeah. That is. That's the thing about it. So he has a late fee for buying skins for his guy, not skins. That's the case. Cases. You know that. Yes, of course I do. You're okay with it. And him being laid on this. No, I'm not okay with it. Well, he's going to keep doing it. I made the money back. You were late. I mean. That's. Is it another money that you made back? Why don't you have auto pay? I don't use the auto pay because I pay it beforehand. But I have it just in case I forget. Oh, yes. I'm worried about it. He pays. It's going to overdrive. He does $100 once or twice a month for this shit. That's insane. And that on top of everything you get out of that. You get stacks. Not $100 or $200. I thought it was just randomly like a random purchase. It is random. Not a sh*t. if it's like one to 200 a month. - It's randomly when I'm feeling it. That's random. - I don't like that. - Whoa, you guys are so-- - Discover it, who's this? - That's my card, but he uses everything on there. I don't know anything. - It's $1088 on there? On the Discover? - It? Yes? - Yeah. - He took out of his 401k. - What? It was a lot worse. - It was like $3,500, he took out of his 401k and paid off and then now it's back to $1,000. - And again, you kind of know things about finances. You're the fan of the show. You are that person. - Yeah. - You are-- Sorry for running this campaign. Marrying someone who's spending this much on an interest to go on a card that's good. - And he took out of his 401k for it. - There's like $400,000. - He spends hundreds on CSGO month. You're okay with someone that pulls out his 401k for that. - But I'm thinking it was way more interest. - You know, it's actually kind of pathetic. - You got to understand. - It's kind of pathetic to go along with that. There's some of them on there. - It is kind of pathetic. It's kind of pathetic that you can't stand up. Can't stand up and you'll just accept it. - Failure, who gives a shit? Dude, you'll get a success. You'll find someone else. I'll match make you. I'll match make you myself. Wes, he's handsome, he's tall. He does well, he's successful. He's who I've been trying to match make with people. - He kind of looks like him just a little boulder. (laughing) But he's much better. - He's probably going a bald. - Yes, probably. - He's probably is looking at him. Look at that shit. No one puts their hair like that. No one with a hairstyle like that keeps it for long. - I mean, my dad's just bald. - He's gonna age horribly. That white skin, good luck dude. - I think I look good bald. You don't think so? - Can you go face with her? - Yes, I have to shave it. She doesn't like me growing it up. - Okay, then, yeah, you might look okay. - I said you could grow it out. - You might look okay, but no, no, no, no. You're gonna shave it for the show. - I don't care, you're gonna age horribly. - Well, because it was like little pupe hair for me. - It's gonna age horribly. - It would have grown though. - It was like little pupe hair is this morning. He had to shave it. - No, it didn't look bad. I think it looks good. - $35 a month owed $820, $822, $21 cents. Well, they just spend about $1,000 on there. There's food probably. - Yeah, I'm about to go through that. - I'm just, you asked. - So, but you don't have to. You can go to the, you can use your debit card. You went to the past store, but it could have been on a debit card. Belt toes, high hop, Marshalls, Buffalo Wild Wings. Definitely some bullshit from Walmart, 'cause that's $375. That was not an necessity. What are you getting, energy drinks or something? - Yes. - Of course. - I get a lot. - Congratulations. - You make it at home just like you gotta make your coffee at home with Gamersubs. Find out the flavor you like by getting the free samples. Gamersubs.gg link in the description below. Type in code Caleb. Get your free samples and then get your packet 10% off of my code. And you'll be able to make your energy drinks at home. They taste better. And it's good for me, I'm probably having 40 cents a serving. So there you go. So, energy drinks, raveras, Salvadoran, roms, taco casa, Amazon, bolsa, seven brew coffee, sirloin meat companies, sirloin meat company, hundreds of dollars a meat. - That's the old butcher. We get a meat from a butcher. - Yeah, hundreds of dollars you guys can't afford it right now, 'cause you guys have, that's what I'm saying. - It's like a tea ounce of meat a month for 240 from a butcher. - That's not the worst. - That's actually good. - Yeah, and then you guys go out to eat constantly on here. Or he does. Rock wall, rock wall, modern, and then record center. - I don't know, probably the new album, the vinyl. - It's stupid, guys. You're never gonna be able to hit your goals. Never with this kind of spending. This is insane. And then the freedom card comes up next. - Mine. - And then you brought that up earlier. - Yeah. - Okay, well, it's kind of big. Oh, it looks like this one's paid off every month. So I'm not gonna write it down, but it is still money that is being spent. - Well, that one's the one where the 1700s going on because of the casino. - Okay. - Yeah. - 1700. Minimum will be like 40 bucks, 'cause that's what it always is on here. Listen. Okay, yeah. So yeah, it's gone up substantially. It's over 2000, I think the casino. Okay, listen, this makes this sense. Even if you did pay this off, it is still money that is being spent that could be going towards other things that are important. So it's still bad even if it's a paid off every month of credit card, which is no longer anyway. So interest will be accruing. Stupid, and what are we getting on here? When it wasn't even high. Energy drinks there. Junus. - Energy drinks. - Or probably, I don't know. It's a Walmart for groceries, but then you went back inside and you got some bullshare. You got something to do. - Oh, it's probably groceries though, 'cause I don't go in and buy any drinks. - Well, see, Genesis thrift store. Alan Ashin Rose, Mochi Antigallery, East Fork Mall, Chili's Town, East Fork Mall. - Oh, I hung out with them. - Some bullshit Starbucks, ram fitness, Hawaii's coffee, rock wall, modern bullshit, TikTok shop, goodwill. - Yeah, she shops a lot. - Yeah, you do. And you've had some feces here too. - A lot. - Fees. - Yeah. - I never understood it. - No, it doesn't look like a LAPI. I can't tell what it was for $10. Who's the Apple card? - Mine. - Guys, you have so much debt, so much cards. It's so stupid. 239, Minimum with the payment 25. I don't think there's any purchases, but you guys are just carrying credit cards and balances and just got a new puppy for $900. Of course you are. You should even be together. - I love baby. - Deepo, Starbucks, one quince, real paper, a real paper. The cows are the paper. - Marshall, Bullshit, Bullshit, one quince, Donald's, Marshall, Tiktok, shop. - That one I pay off every month though. - You have to say Bullshit. - Bullshit, Bullshit, Bullshit, Bullshit. - This is Bullshit. Okay, I'll cross it off for paying off, but it's just a hundred to dollars. - That one has 500 down. - I'm gonna keep. (upbeat music) Okay, probably like a $40 payment. - But I'll pay that off next month. - All we'll see. It's just stupid, man. Even if you are paying it off it, it's still money that could be going towards an emergency fund or retirement, instead of impolining it out, instead of you guys going in debt to the family for the wedding, instead of you going having to do a $20,000 travel Bullshit for your honeymoon. Capital one saver only made the minimum. - Who's the saver? - That's me. - Interest free for now, it won't be long 28946. Minimum with the payment, 25. - Interest accruing. - I can't even spend a lot on that one. - It's like $300. - Thank, that's what you want. This is so pathetic. Capital one, who? - That's me. - Interest is accruing only making the minimum. This is the one you said you were making progress on, no. - That's the discovery. - But that's because you pulled out of your 401k. - I did do that. - Oh, so it's not actually making progress. It's pulling out of your retirement. Shut up, got you pathetic worm. - $235, $20, $25 minimum payment. Because you pulled it. - I need it to buy this. - So it went off, that's what you put in your 401k payment. That's why we don't do that, man. - It was the meat. And we have personal loans to apply for our KalePamber.com, but it's only when you have changed the behavior. And then you can do it or else you end up with trying to call that again after you pull the return. - Those were necessities. - We had to each have to do my breaks. - You want me to crash? - We are legally obligated to answer no to what about it. - But in a way, number two. - What about the food? - It's not just that. You guys spend so much money on bullshit that instead of pulling from retirement, that could have gone turns into necessities instead. Shut the fuck up. - It was food? - Shut the fuck up. - Amazon. Yes, but you'd be able to afford that if the money wasn't going to bullshit, thousands a month. - Amazon is me. - Hold $0 so do not worry about that. - That one has 95 on it. - Okay. Well, that's fine. I'm not going to freak out about that. Amazon, Amazon, Amazon, Amazon, Amazon. Okay. Student loans. Who's 18,000? - Amazon. - That's me. - For a two-year degree. - Yeah. - He doesn't use that too. - No, but he doesn't use it. And I have a two-year degree. - What's your degree? - It's networking and systems. - Okay. Why don't you get. I can get you an IT certification through course careers. Get into an iron income field. - That's. - A lot of people have done that. - That's why I wanted to go into the military to get that paper. - Why are you doing plumbing? - Oh, like the plumbing has to have something on the side in the reserves. - Okay. Monthly payment, $122.26. - Yeah. I pulled out extra loans at the time because I wasn't working on it. - I'm sure you did. I wasn't working on it. - He's never going to change. Federal student in a CRI. Is that you? - Yeah, it is. - Okay. $36 a month. $36.71. - Yeah. - Minimal monthly payment, $3,300, $1.20. - Okay. - That one. - This is collections, isn't it? - It never went to my actual collections because they messaged me right before. Like, it went to a collection agency, but they messaged me. - Why is your late fees? - There's not. - There is. - No. - Yes. - Before I paid it before they contacted me. - Late fees, right there. - Late fees, how about. - How much did you mean before when? - Before when? - Before I set up the payment plan before they contacted me. - Okay, my plan. - It's $50 a month. I think it ends. - $50. - Yeah. - So it's $986.87. $50 a month. - I've been paying it since 2024. - $20.24. - Well, $50 a month for that. $900. - May. - So that's all student debt. - Yeah. - All right. That's all the debt. Good. Checking account. Who's Wells Fargo? - That is me. - Yeah. There it is. Energy drink. Mr. J's specs. - Gotta get the beer. - Do you drink? - Occasionally. Like, maybe once or twice a month. - Dude. - I don't like beers in a city that's crazy. - Have you ever had a coolers light? - Yes, it's disgusting. - That shit is the best. - Oh! - Or a banquet? - I've never had that. I don't know what that is. - It's a coolers banquet. Like, the original. - What? - No. - Delicious. - I don't like beer. - Girl, you have to please. Let me. I can get you. I can find you. Someone I think. - Even a gay man would be better. - Latter marriage. - Yes. - I would like that. - He would probably give you more babies than he's able to. - Energy drinks. Team games. Mr. J's. Mr. J's. Team games. Team games. - Mr. J's is energy drinks. - Pokemon Go. - Pokemon Go. - Energy drinks. - Love that. - Energy drinks. Bullshit. Pokemon Go. Energy drinks. Bullshit. A.D. I'm a draw. 205. Went to the Strip Club. - She said, "Bro, has it only fans log in." - I don't, that's crazy. - It had to be old. - Chase, that's you? You started with $53 and ended with $94? You suck too. - That's so far. - So far, just money is transferring back and forth. - Okay, and then apartment scope, apartment scope, apartment scope is selling. Okay, that's not horrible. Savings is a health study at 1,300. She's gonna be the only reason you might have money. And that's one, in your savings, eight cents. Are you guys getting a relationship yet? 295 in fatality, who's that? - That one is me, but it's up to 1,700. So I'm putting it-- - I'm fine, Charles Schwab, who's that? - Mine. - That one's actually good at 35,000 at your age. The only thing that's gonna give you guys that fit. - And it was 33 when I put it in. So it's been growing. - Okay, and then you obviously have nothing 'cause you're pathetic. - Broke. - Had stocks. - I had it, actually before we met. - Are you gonna say it's their fault? - No. - It's actually my brothers. - I had like, you pulled it out. Did you chose to pull it out? - Oh, no, this is just savings that he was talking about. - Yeah, I had like nine grants saved up. - Yeah. - Okay, do you now? - No. - And do I care? - I mean, you should. - Net income, no, $7,080 a month. Good, good income. - Us in the sapphire prefer, won't normally be that high of a minimalty payment. - Don't even factor it in. - No, I'm gonna factor in normal, which is like-- - Yeah. - Well, I like 200. How much is normal? - Normal would be low, 'cause I'm just paying off those and then it will be completely done. - Well, there are some smaller purchases on there. - Those I pay off right away, but I think it goes to the payment line. - No, there was interest accruing, so that's not true. - No, but I think the payment line goes to-- - I'm gonna add like 50 bucks. - The payment line. - I'm gonna add 50 bucks. Minimum and the payments outside of that, which will quickly wrap up $571 and 66 cents. - What's your rent? - 1,500. - 1,500. - Okay, utilities, gas, electric, internet, all combined. - Internet, gas, electric. - Uh, 400. - Okay, phone bill. - We're separate, so I'm 62. - And I pay 50. - Hey, helium's good up there, guys, 15 bucks in line. Same towers as T-Mobile. Transportation, gas, room, room, drive, drive, how much? - I spend 200 a month, probably on gas. I'll probably spend three, maybe a little more, 3,500. - 9,500, a little more, 550, okay. Current insurance. - 370 for both of us. - Okay, necessary food, 600, meal plan, meal prep, easy peasy. TP fund, anything else you guys need to survive, 200. Tampons, makeup, toilet paper, all that good stuff, toothpaste, TP, medical health care, any co-pays on a monthly basis? - I do mochi, which is like the semi-glutide. - For weight loss? - Yeah. - Where are you fat? - Not really. I was just 170 and I lost 14 before I started semi-glutide. - That's all right. - Five four. I just want to lose, like-- - Those are pictures, it's not fat, but 170 is kind of happy for that weight. - But that was 170. - It's your tits. - I mean, I just want to lose like 10 more pounds. - I mean, that's fine, there's nothing, it's okay. - I mean, I technically don't need to be on it. I lost 15 before I got on it, so I was down to like 155. - Okay, how much does it cost? - 155 a month. - I hate that shit anyways. I'd be happy if you got off of it. - Why? - I think it's stupid to think about like the-- - I don't think she needs it. - Think about the long term, what's that is doing to you? - Do you know the long term effects? - No, but who does? - No, I can use it right now. - Who does? - Who does? - It's too new. - It's too new. - I've been using ozempic for years and-- - For diabetes though. - For 20 years almost. It's on a date. - Yeah, that is true. - For diabetes. - I just think. - Yeah, that's true. - So for the actual-- - I'll put for a few bucks. - For actual reason. - If you have any pets, you just got the dog. - Yes, we pay 110 for-- - Sure, we've got a dog together. - We've got to stay together. - Insurance. - 110? - Yeah. - How much for pet food? - I don't know how much she-- I do the dogs, he does the cats. So I think I pay like 80 bucks a month for dog food. - And you? - Probably 100. - You have a factor in litter and-- - Anything else that needs to be in this budget that I've not put in? - No. - No. - You know, a budget is a household. Honestly, I'm just gonna emphasize it again. Just one more time and I do apologize if it's too much. But I'm really don't know if you guys should be together as life partners. I don't think you guys are bad people except for the racism. But besides that, like I think you guys are okay and you will find a better match and doesn't mean you guys are horrible. Doesn't mean you failed, doesn't mean you're losers. Okay, listen, $4,800 a century to live. I'll give you $200 to fund, round it up to $5,000 to live. Okay, I'll give you $5,800 or $2,80 to live. So you have $2,000 left on a monthly basis. So your debt is $30,822 in 27 cents. But we're gonna mine as the student loans. So minus $18,805,36 then minus yours at $3,301 in 20 cents. So $8,000, okay, that's perfect. You're paying off debt in four months. Easy peasy, high income earners, I swear. They're so privileged, they're so spoiled. But it's the easiest situation in the world, you guys are fully funded. $200, $200, a few months and then you can try it. I follow you. It's so easy, guys. This is actually four months to pay off debt. One of the easiest in the show, if not the entire show. What the fuck is wrong with you guys? Leave each other, get better partners. 'Cause you guys aren't in. We have to talk. And that's fine. Yeah, talk about it. Someone's gonna manipulate someone and then you guys are gonna stay together and then they're gonna be resentment and just not the right partnership. But that's okay. Happens every day. Gonna call the mom and the post-show and see what she thinks. 'Cause I bet she agrees with me. But let's get the hammer financial score first. I'm gonna look through your search history as well. Andrea always text messages. There's always shit in there. Okay, spending in a budget, zero out of 10, you ever spend debt. That collection thing technically would bring it down. But it's not hitting your collections. I'll give you a one out of 10 being generous. Mergency fun. One out of 10, 'cause you have like a thousand retirement. Good for you. But if we're going together, dramatically brings it down to five out of 10. Real estate zero out of 10. Hammer financial score, get cheers at killbehammer.com. You guys are 1.5 out of 10. Join us in the post-show, click camera elite. And you'll see their drive home will edit it down to see what the conversation actually ends up. See who manipulate too. How they still end up together. Who knows how, but they will. Sadly, for them, join hammer elite. Three shows a day, six days a week. Say there, let's see what your mom thinks. Everything you said, I've kind of said as well. If they end up getting divorced, they have to pay me back for the wedding. I've lived through that with resentment, you know, being in relationships with that resentment. And it's not good. And so it has a big fear of mine. But I want to tell her now, your mom's right. You'll get lifetime access to the entire hammer elite catalog. And my hammer for life box packed with limited edition merch. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Download the hammer elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join. And that's a promise.