The Biggest Losers Ever On Financial Audit

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I don't know if I'd say yes tomorrow. 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. Plus, I have an exclusive offer just for you, but I'll only have 1,000 available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise. I'm Mason. I'm 27. I'm Maya. I'm 27. And we're from Austin, Texas. And this is Financial Audit. Yes, it is. Thanks for coming in to the studio, guys. Nice to have a local. That's rare these days. Okay. What do you do, Mason, for living here? I actually sell car keys. I just started this business. You actually sell car keys, car keys, key fobs, remotes. If it starts your car or locks it, I can make a dupe. Well, why was I supposed to be surprised? Like, I actually sell car keys. Okay. Okay. You have a job. Yeah. Most people just don't know you can get it from not the dealership. Okay. Cool. You sell car keys. Is this a commission-based thing? It is commission-based. Very good. You're the salesman. Yeah. I'm the salesman. I make the keys as well. He's going into his pitch right now. He's going to move on. Anyways. Yeah, hopefully I'll be running my own business in the next year. What business? Car key business? Yeah. So it's called. What? What? Are you talking about you being a franchise owner? It's not starting your own business. That's what he's talking about. It works, so that's different. Exactly. Well, okay. Well, there'll be lots to talk about there. That'll be interesting. But what are you making now? Right now, anywhere is between 500 and. Wait, what, pause. You've had the job for like three weeks. How the fuck are you telling me you're going to open a branch? Like five. You're going to open a branch? You've had this job for three weeks. Yes. The goal is in six months. I'll be running my own business. Six months. You've had it for three weeks. Actually, he does his manager and him, like he's mentoring him, he's already been promoted. They have like a track with it. I agree with you. I think it's ridiculous. No, everyone's like, can smoke and met there or something. I don't know what's going on. You're not promoted. What are you talking about? What's this promoted you got? In three weeks. So, when you start off. Yeah, you're a crappy one. The whole thing. You start off with sales. What do you still do? Yes. And then you go into actually programming. And then you go into actually programming and cutting and making the keys, and then you go into running the van. That's labor. That's just like basic labor that you do to factory. That's not like. Basically. Okay. But, after I do that for a little while, then I'm starting inventory. A little while. What do you mean starting inventory? You've been there for three weeks. What do you mean a little while? This sounds like you've just been trained to do the job. Not being promoted multiple times. You're just unlocking new things as well as we do it for the job. It's like if I was a cook, I'd eventually learn how to get to the full way. That makes sense. That makes sense. So, like I got a fucking promote. Did you get a pay raise? I got more sales. Why are you telling me you got a promotion? That's what I was told. That's just gaslight. Or he's just excited about making keys. He's excited. I mean, I'm just unlocking things in your training. That's all that's been happening. Basically, don't go around telling people you're getting promoted, guy. But it is a promotion. How? I wasn't able to do it before and then I unlocked it and now it's not a skill tree in a video game. I can see it being that though. It's not a job promotion. Get it started on video games. That's fair. Okay. Maybe I will. I don't know. Don't tell me. Anyway. In six months, I'll be running my own van. Hopefully. That is the van. So it's a van. It's the road show. Does it see? Some of that looks like you're pulling open a van in neighborhood. The worst part is it doesn't, yeah. It's at Costco. Sam's clubs, we go there, partner with them. We sell the keys, make it in the parking lot. Costco is the one that actually, it's paid good. Very good. All right. You unlock van at the end of your training cycle. Basically. Okay. So you've been working for three weeks. How can we even tell? How can you even tell me how much of my you make in three weeks? It's very difficult. Maybe it's been the best month for keys. Yeah. It's definitely fluctuated a lot. He said fluctuated. A lot in three weeks. So he can't even tell. It went from 500 to 900 in two paychecks. Huh? No. What? Why do you keep seeing things that make your noises? What are you adding to this conversation right now? I just don't think that he knows completely what he's talking about because he doesn't keep track of any of this stuff at all. So I just. Keeping track. It's been three weeks. What are we talking about? Keeping track. What track are you? Keeping. Have you invented, how many paychecks have you received to, okay, what do you mean? He's not keeping track. Well, he did. He said 500, 900. Where's the keep track? He just sends them like over to me at the end of the day, like there's no tracking as to what his check is. He didn't know what he got paid or not. Yeah. Is the 500 correct? Is the 900 correct. If he gave it to you, can you tell me? It was 620. Okay. For the first time in this entire conversation, I was actually talking to you and then you didn't talk. Because usually you're talking when I'm talking to him. You said he sent you the paycheck. He said he got 500 in 900. Are those correct? Yes, net. That is correct. So why are you interjecting and saying, "Oh my God, I don't even keep track." I'm sure you don't get it. Guys, I'm sure you don't keep track of either of you or else you want to be on the show. This is going to be honest. But either way, why, what the, why are you talking? You wear the pants in this relationship, am I right? That's why we're here. Oh, yeah. I'm sure it is. You a little cuck-boy. I, okay. So you just, yeah, you walk all over him. I can already tell. You wouldn't even let me have a conversation with him for four minutes without you trying to make noises and interject and say stupid shit that I ain't care about. He, yeah. He stresses me out because it's like stress me out. That's fair. We're all stressed out at this table then because it just feels like it took two weeks of him just to ask his boss what his commission rate was. Like he just didn't know that. He was going in blind. I'm trying to, like, budget. I should accept the job without knowing your commission rate. He didn't even know what to do. I needed a job. Yes. Ask what the commission rate is. To be fair. I asked in the beginning. To be fair. Hold her. You're going to to be fair. Me? To be fair. Yeah. To be fair. Yeah. To be fair. Know your commission rate going into the job before you make sales to be fair. Okay. To be fair. I told her what it was in the beginning before I started. Yes. What the commission rate was. He told me what the estimate, but what his manager said, here's the estimate of what most people make for me. It's around $1,300. That was the interview conversation. He has not hit that amount yet at all and like, obviously, he hasn't worked there that long. But like, it's not looking like it's going to be $1,300. It became, oh, well, they usually make 700 to 900 on a good week. And then it's, oh, on a bad week, 500 and we pay hourly, oh, we don't. So I didn't have an answer. And this 14% was after his first check because we calculated it. Okay. Okay. So. It's just weird to me planning, you know, I mean, I'm already being told that you have a history of dipping on a job left and right, is that correct? He has a history of that. Okay. Then how can we plan in our entire future around a job that you've had for three weeks if you're endlessly dipping on a job? What is your history? What's this history of jobs? Rather here from you. Yeah. He has a habit of like, not showing up or like being late enough that he stops going. What are you doing? He also has a habit of just taking whatever job falls in his lap. He hasn't had a career path or anything that he's had a goal for until this job, which is why I'm like, I want to support you in this because it seems like we have three weeks can we at least let it sit for three months before? Yeah. Because I bet if you have a van, I highly doubt that just give you, right? It's probably going to happen. It's funny. You'll rent it. Okay. So now you're like, we found that out yesterday. We found that out yesterday. A prostitute. And they're pimping you out. It reminds me of an MLA in a little bit. I'm not going to lie. Like a pyramid type thing. Okay. Yeah. May I have the whiteboard? Okay. How does this work? How does what work? Draw it. Okay. So you have a van at Costco. This is. Plus has one right now, but yeah. So you would get a van? Right. Yeah. Very good. that's you, boss. Who's your boss? I don't even know anyone. What's the context of what's his role? He's the owner of the owner of that van. Oh, he owns the van? You were ranting it from him? No, no, no. He's not doing any of that yet. That's one thing. No, no, no. In the future, when you have your van, who's your boss? Oh, not name. I don't need a name. It's not literal. Yeah, the company. Yeah, just who's the company? He wants the name, all the names. I'm just talking about what is the context? They own all the vans or honestly, I couldn't tell you. You're saying this is your entire business and life. Basically, they own everything. They own the vans. They own everything. They give you the van and the machines and yeah, the van, the machines, the inventory. Okay. And they have more people under them? Yeah. So there's their nation wide, their nation wide in Canada like. So it's a franchise. Yeah. Okay. So there's more vans. Gotcha. And they all go to the company. Is that the main company? So your, the guy that you're using the van right now, do you rent the van from him? I don't rent the van at all. He rents the van from the company. No, I got that. So that's the okay. He doesn't pay any. The answer would be no, by the way. Yeah. That's all the good answer would be my I'm going to see you guys talking to you. Good death people. Oh, okay. So the answer is no, you do not rent from your current boss who owns the van. Yes. Correct. Correct. Okay. You rent from the van. Can you pay, can you pay off company the van from the company? Can you pay it off or is it permanent rent for permanent rent? Do you who owns the van itself, the physical asset? I believe it'd be the company. So it'll matter what? So it's not a franchise. And if you're always paying a rent for the van, so they own the van. Yeah. And his boss gets a bonus. If he becomes a franchise owner, suddenly he makes more money too. Oh, boss. His current boss, my current boss, when he promotes me out and I get my own van, then he gets like a kick. It's like when you hire like an MLM. Kind of. It sounds more like a franchise with MLM qualities than a pure triangle. Because for what it's worth, I mean, you're just working directly with the company. You're not like under like it would have been very triangle to me if you were like under the guy that you're in, not like, yeah, he gets a bonus for signing you up for the franchise. Okay, I get that. But if like he owned vans and he was you're using the van or rented it out from him and he was renting it out from the company, then yeah, get a bit more triangle to me. But I think it's it's more on the franchise side and they just make a lot of money because you're paying the rent. What's the rent for the van if you get the van? I believe it's $300. I don't know if they just my boss currently has two vans and he pays $300 in rent. I don't know if it's $300 per van. He has two vans and he has people working for the van. Yeah, working in the van and you're one of the vans guys. Yeah. Okay. I don't I don't think it's full pyramid. Um, but it sounds like a. Yeah, it's just he's franchising. It's like franchising. I don't know. McDonald's almost and he got employees and he's just franchising out van. So I wouldn't say that. I don't know if it's a good business to get into. I can't necessarily sign that. I wouldn't say it's a full MLM though. I definitely think it's better than the previous jobs that he's had because there's been no like four weeks and never shows up and losers it out. Dude, you're 27. It's a little longer than we have and how many jobs you bail out and try 27. You guys have kids you've been together a while, right? Well, he told me before you guys have been together for 13 years. He has two kids. I have two kids. We've been together for three years. We've known each other. He was my first boyfriend in high school 13 years ago and we've known each other since then. Why? He's a loser. I was like the nerdy kid in high school. He was the bad boy. Yeah. He was the bad boy. How are you? Look at you. I have changed a lot in high school. What the bad boy were you? I was the party kid that everybody knew and was at every party. Now you're just the drunk failure. Okay. Yeah. Well, you look at I don't know if you're all drinking. Yeah. Oh, he said it anymore. Okay. Great. Well, you know, I was the same. You look at it. So what can I even say you make 1500 a month? It looks like it's going to net about like 2500. I'm hoping. What? Hopefully. How the from the 900 and 500? How are you getting that number? Oh, yeah. Okay. So let's call it 25. That's good. That's how he's I guess. Maya, what do you do? I'm unemployed right now. Okay. I lost my job for his job. If you're unemployed. I'm unemployed. Why are you job-shitting? Why are you shitting when he's bringing in the money? I get it as a failure and a lot of parts of life, but at least he's bringing in money. You're the one without the job. I lost my job in March. I have an autoimmune condition that flares and I was in and out of the hospital at the time and I have applied for disability. We're waiting for an answer. It has gotten progressively worse over seven years. What is it? So I have typed to immune dysregulation. I can show you a video that's easiest way to explain or like a picture. But it's like my skin flares to a point where like I can't regulate my temperature. I can't move. I can't. I'm applying for every work from home job that we can. Right? I'm applying. Yeah. Which means maybe you wouldn't be able to get disability. I don't know. I don't know. I have applied. It says that supposedly you can still have. Okay. So how long does a flare last? It can last three weeks, four weeks, but right now I'm on. So I can take temporary medications. So right now my skin is a lot better because I'm on it. The problem is you can't take it long term because it destroys your bones and cuts your immune system real bad. I've already gotten infections from that. I'm not informed enough on this to give a perspective. So I don't know. Yeah. I could sit down and throw up. But that might be bad. And I'm or I could say, yeah, you're doing well. And then people in the comments will tell me, oh, no, she's just being a lazy piece of shit. I don't know. Right. I would love I'm working. I would love to be I want like even when I'm working full time. Like I'm working other jobs. Like I want to be working. What's it called? Type two immune dysregulation. We are still looking for like the official diagnoses. These are like parts of it that I experience. Okay. Well, yeah, that's not gonna help us in this financial situation. Okay. So you didn't get unemployment. I did get unemployment. We have two more weeks of it. Okay. Okay. So what's going on, guys? Are we talking? Yeah. You seem domineering and controlling. That's probably true. But you're also not the one bringing in money. I don't know. Like, okay. So you set even if it's with the flares and shit, you're like, you set all day. I've been the main earner for like all three years of our relationship. My first like one was 80,000. And then when I had like my own, I was contracting for a bunch of different marketing teams. Okay. From the National Library of Medicine, by the way, it does say that obesity makes it substantially worse. Yes. I appreciate that. But you appreciate that. Well, I appreciate that. I mean, maybe lose weight. I think that could cause it. And the reason I can't lose weight is because of the inflammation in my body. The inflammation marker is. So it slows down on your systems. So my IGE, the normal range is like, like, if I look at all your eating, you're telling me you're at a calorie deficit every single day. We don't eat multiple meals a day. We can't afford to. That's what I am at a calorie. I'm in a calorie. Well, either way, it doesn't even matter. Multiple meals a day. If I eat two slices of cheesecake, cheesecake slices, then I'm over my caloric amount for the day. I'm in a deficit every day. Meals. I promise. And your promise means nothing. Okay. I've had it on this show like multiple times. The inflammation marker that I have, the normal range is up to 460 minus 15,000. Okay. So it's like, no, I'm just going to literally have to take your word for it. But you can take his word too. He'll sneak up at all, like, well, he's a loser. And usually that people make ever excuse to be fat, but including myself. So like, I get it, but it does say literally a five to 10% body weight reduction significantly reduces flares for that type of condition. So hypersinophilic. I'm not going to look up shit. I'm just going to have to take your word on him. Okay. So it's like the question in the end becomes so now what? Okay, you can't lose weight because the player does that. The player is so worse because your weight is high. So I don't think just me or bit obesity just like just exists forever, though. I agree. So that doesn't just happen to the human body. It does when inflammation builds in your body. Your system, my system does not like digest properly. Like it doesn't function the way that are normal persons. Yeah, I know. But usually for people that have digestive issues, again, I don't want to speak too much on something. I don't fully have the context behind. But even for people I know that have digestive issues, they usually have just they have medicine they take to help with their digestive issues. So I take like six medications right now for all the like things that this causes, right? But we don't know what the actual diagnosis is yet. I've seen a specialist in oncologist for last year. No, you're just going to have to tell me because I'm just going to have to let her go on that one because I don't know, but he smokes cigarettes all day every day. I think you guys can afford more than a couple meals a day. If he's doing like the most expensive addiction that works. Yeah. So shop. the cup of that. Yes, you can. I can get you on a budget where you can even sell with this lower income. You guys would be on food stamps. So like, you'd be fine. We were on food stamps until we got cut. And then why did you get cut? I was, I got my job. So we were out. You're not. So get it again. It's meant for people in your situation who are in hard times. I'm not against that. You can afford to eat. Why haven't you applied? Now yes, we're waiting. It's pending pending for how long? For about a month so far. Okay. Okay. And then you're on your churns, which still exert your unemployment, which is how much I get a thousand every two weeks. Okay. Yeah. You guys could eat. You guys could eat with that. You're at $4,500. You guys can eat multiple meals a day with significant meal prepping. I can get you guys. We need a meal prep that I think you're telling me, you're telling me you can't eat multiple meals a day. Then shut the fuck up. You don't want to speak to that. You know, it gets like victim bullshit on that. So that's partially my fault because I my job around the house is to keep the kitchen clean and it's not just it's not just that though. It's like, hold on. Wait. He's the one that's working. Why is he making the kitchen clean? You're sitting on your ass with flares. I get it, but clean the kitchen. It's wait, what? No, no, no. Why is that your responsibility? If you're the one bringing in the money right now because the that is his only responsibility. No, he is his responsibility is making the money. I can't you do it. You literally don't have a job. I do do it most days and it's supposed to be under him. What else happens a couple times a week? I don't understand why you aren't able to do that when you do nothing because when I'm flaring, I can't do. Okay, but you're not always flaring. It's pretty constant. I'm only not flaring because I'm on steroids right now and I can't take them long term. And I'm I Lindsey actually came up with a good idea that I could potentially work with a doctor to take them for photo shoots or something that I can do like money for. I just I'm a what? I work in marketing. I have all my camera equipment. I own a photo shoots. Yes. To make money for us. Yes. So I'm trying to find ways that I can work, but it's unpredictable. I mean, that's. And maybe I don't know. It's a very competitive market. You don't just enter it and all the time to be successful. Everyone has every awesome photographer has experience in it. You know how many there are? What the fuck do you think you are? She actually wanted to school for it. No one gives up in the arts. The arts is outcome driven. No one gives a shit what degree or where you want. It's a it's it's the social media present. Why do you guys pretend like you see there's actually something I know about the arts and out there performing. There is something I actually know about and just hearing how arrogantly you guys are pretending like you know everything immediately makes me doubt everything you said about the medical shit because I'm not informed on that. So I'm not going to push back against it. But seeing how much informed you thought about how she's going to do in photography. And I want to school. It's like no, you guys are. So now I can't even trust your take on that medical shit because you just showed how arrogant you are and pretending like you guys know everything. I think you're wrong. Drining in student loans with massive interest rates I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refine into private student loans and they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought yeah that tracks I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't ejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where why ReFi comes in. Why ReFi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinance private student loans so you only pay an interest between 0.1% and 5.99%. And they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co-borrower release from your loan they've got a program for that too. Plus their team is in Phoenix, Arizona so when you call them you talk to a real person. It only takes 3 minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times try why ReFi. Head to yrefi.com/hammer. That is Y-R-E-F-Y.com/hammer. Recall triply yrefi 78. That is 888 yrefi 78. Break free from the high interest trap and get your finances under control once and for all. Yes, it's not with money so you download a budgeting app. If you start with the classic one, why not? But everyone just elites it because it's way too complicated to use. So you go to every dollar. That's Dave Ramsey's a personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rock of money that you got a lot of commercials but they're owned by rocket mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block. Monarch. Hundreds 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. Dallowize.com. Link in the description below. I'm the photography ship. No, very good. So you're making a thousand thousand dollars. It is entirely outcome driven. I think that it could be supplemental income for now. I'm not. Maybe I'm getting clients in what? What kind of photography? What are you doing? Portrait photography, family photography. Yeah, that's definitely none of that. I've done it in sign or inch before neighborhood pages post as a photographer. I've gotten money. Everyone's doing that. I know. But I'm saying like that or like I need to do something. I need to. If you're able to do that, why can't you do something else? Well, because in that specific instance, I might be able to take medication for a shoot. But being able to consistently maintain a job with how the flares are and how severe they can get, that's hard. That's why I was struggling so much in my job. You have it potentially, but you're just counting the amount of work it takes just to even get a shoot on an ongoing basis. That's what I'm saying. I don't think it's all going. I mean, if you literally can't move when you're flaring, it's like, okay, yeah. So okay, you're getting changed for not doing the dishes, even though she doesn't do anything all day. Rip you. Your life sucks. I'm going to let him say that I don't do anything all day. No, she does do a lot. You're pathetic. Yeah, but she actually does do shit. The dishes specifically, these soaps that we use flare her hands and cause blisters and shit. I can't do anything. No, I really can't. What are you going to do? What are you going to do in life? Like just it's like time to give up that night. I don't know. I have nothing for you. If everything in this conversation is, well, my flares is like, what the why'd you come to financial audit? This isn't flare audit. I can't help with your flares. I know. Your body's that's not my I can't. My parents have offered to help us like pay for medical for me to go to Mayo Clinic. That is our natural and we're going. I know. Okay. Well, what can I do? The problem is that during like this time, this is the first time in three years, I haven't been able to work. And I'm not entirely sure that he will maintain us. I can't work very much and guys, you literally told me you're not meal planning and meal prepping. We plan. We meal plan. I'm not like meal prepping breakfast lunch and dinner. Why? If we're crying about not having enough meals a day when with the unemployment guys do make enough and you'll get food since soon. And he smokes cigarettes all day and you're paying for chat GPT and all this shit. Yeah, your little addiction. By the way, um, oh, why the cards you meal prepping. Thank you guys. She has a real medical thing. I'm this is how I'm reading it now just with their arrogance and how they're not willing to cut back on things and just how they're doing and then they can plan about the meals. If you guys haven't picked up on this, I am now just a real medical diagnosis. But she's using that to be a victim in it. Absolutely not. Well, you haven't this conversation so far. So prove me wrong. It took me seven years of dealing with this. Here we go. To get to a point where I could even like get to like not working. Cool. I don't see how the how does that make up for you being a victim of not meal plan. I'm not playing victim. I don't want to deal with this. I don't want to know, but you're using it to play victim in everything. I can't so far meal prepping. Oh, oh, I hold people's hands when they cry, but a little bit of pushback on you not meal prepping and brings you to tears. Meal prepping. Meal prepping. It's meal prepping. Guys, it's, it's meal prepping. I'm sorry. I can't have sympathy for tears for meal prepping. It's not about the meal prepping. It's that I do everything in our house. Not stop with this. And I'm being called the victim and you don't do anything. You work. You finally got a job after three months of us wasting the $12,000 we had savings. If you didn't have a job, but it'd be kicking as I said, it's not helping around the house, but he has a job. You don't. Why is it on him to deal with the dishes? I'm sorry. If that's if that's the big thing that has a back from meal prepping. She says that it's on him to deal with the dishes and he isn't done them in like six months. So I don't understand. That's his job. Okay. Okay. He's pathetic for not doing it, but I'm sorry. If someone's not doing the dishes for six months, I just step up and do the dishes. I do them. That's why are we crying about not being able to meal prep. Right now, I can't like, I can't manage our finances well enough to have money. I'm talking about meal prepping. I didn't bring up finances yet. You literally cr- I pulled the victim card immediately five minutes into the episode about, "Oh, we can't even get three meals." *gagging* The day! It's got you on the dishes! Dishes! I can't get sympathy for that! I'm sympathy for your flare up and not working. That's why I haven't pushed back in that. I didn't think we'll get a job. You haven't heard me say that because that's real. I have sympathy for that. Do I have sympathy for running some a dish washer? I am doing that. I'm not saying it's going to- Then why aren't we meal prepping? It's hard for me to manage like all of our finances and try and figure out where we can get mud out to do that. Meal prepping is time! Meal prepping is time what do you think? That's why we're here so we can get your budget notebook and all of the things that are supposed to happen. Goodness, no offense. Yeah, it's nice. The 30-day meal plan's nice. But you know how to get meal prep. You're not the individual ones. Guys, spaghetti, meatballs, and sandwiches! I can't eat half of that in there. Oh my gosh. Why am I even talking to her that if she can't do anything? What can you eat? It's kind of limit- Hey, what can you eat? What's the question that you'll be answering? Thank you? We have like a set list of- Hey, what can you eat? I'm trying to- I mean there's a lot I can eat. Okay, let's talk about what you can eat. Okay, I can't have tomatoes. I can't have any nice shades I can't- Hey, I said can. Can, do you know what the word can is? Let's try can. Okay, so like chicken noodles soups are good. Hey, let's have her answer because like I don't trust you. You're a little dumb. It depends on how much I'm playing but I can have things like soups. I can have like chicken- That's the easy meal press. That's the easy meal press soup. That's what we've been doing. What? You just said you haven't been meal prepping? Oh, they only- What two meals a day! We only have two meals a day! I'm sorry, your tears are fueling me this episode because they mean nothing. They mean nothing. When there's actually something sad that happens. In an episode I'm sad with the guest. Your tears are pathetic right now. I'm- I have a hard time with this conversation because- I'm not meal prepping. No, not of not meal prepping this whole thing. Well, that's all we've been talking about for 20 minutes. That was disgusting. Control yourself. It's just that like, yes, there's a lot that I can't do and it sucks right now and meal prepping is part of it. Can we meal prep soup? You said you could have chicken? I'm not- You said chicken. Yes, we are meal prepping like for a couple of days but it's not like like a week of like stuff that- On necessary food you spend $800. I can get you $600 at HB with the meal plan and the cookbook for meal prepping for a month. So shut the f*** up. Trying to come in here? Encry, baby. That you can- You can't have three meals a day. When you spend $800 a month for two people on food. Oh, she's gonna cry about that too. Okay, what are we doing? What are we f***ing doing? They might be the only one who's gonna talk in this conversation or not. No, I'll talk too. I just got told to shut up when I was talking. Okay, here's the thing. For all three years of our relationship, I've been the main earner. I've worked- Congratulations. Here's your reward. This is the best I can do for a gold star. No, I don't- What's the point? My point is I'm tired of it. Like I like- Okay, well, congratulations. Your tired of it worked because now you don't work and he does, so it doesn't matter. Your dream came true. No. I didn't mean- I don't know. Like, ee. I was on your side and tell all of a sudden you started talking about things I actually do know. And then I realized you were just arrogantly being f***ed victims. Which makes me just not, unfortunately, trust what you're saying about the medical, but I'm not informed enough to push back, so I don't really care. So we had 12 grand from the inheritance that I got or taxed her and I have or whatever and savings when I lost my job. He just didn't apply for jobs. So we spent all of that 12 grand during that time when I was actively- That sucks. He has a job now. Right, yes. He now has a job. Guys, do you hear me in the show? I've said multiple, multiple times, I don't give a f*** about what you have done. I care about what you are doing, what you are doing now is he has a job. You do not, I'm not going to criticize you for the job part, but I'm going to criticize you for what you do with the money that comes in. And what that is is, I mean, you spend nearly 66% of the money you spend. Getting groceries, you all spent going out to eat. You're going to cry in bitch and moan pathetically about not being able to eat three meals a day, yet you go out to eat. Guys, most of that, this is first world problems. This is beyond first world problems. You're playing about not getting enough meals on the table, yet you go out to eat? We don't go out to eat. What conversation we- Oh, hey, woman, you go out to eat. You can't say that. But you don't say that. 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. Like most of that is me getting food. Hey, you're a part of it? No, like we don't go out on date when are you going to- Hey, so it doesn't have to be a date to go out to eat. Hey, is McDowell's going out to eat? Is Chick-fil-A going out to eat? Is Starbucks going out to eat? Is getting door dash of $359 going out to eat? That was groceries. Not all. We'll see. Pizza Hut? Is that groceries? Is that going out to eat? I don't know. I think I feel like- I feel like Pizza Hut, if I'm not mistaken, is not actually being made at home. I might have to refactor that one. I thought you meant like restaurant. McDonald's just- Did you make those fries at home? Where was that ingredients you got from a store called McDonald's? So, you want to come in here and look sad and get the sympathy of the audience and me for not being able to have three meals a day yet. McDonald's Chick-fil-A star box store dashing at Pizza Hut. So, happening. Oh, yeah, yeah. Again, most of that is- No, you just got called on your shit. Sorry, can't be victims when there's proof of you guys not being actual victims. I know that's a card you seem to have played. Your entire life so far. You're saying no yet. You just did it for 35 minutes. That is not a card I played my entire life and that's not how I operate. What, that's how you've operated in at least multiple parts of this conversation. Yeah, I'm in the part of my life for the first time I can't figure out myself. I'm not criticizing the medical thing, but you're victim on the food prepping. You're a victim on the budget. You're a victim on the income coming in. And I'm talking about the unemployment. differently of the job you got fired from, but you still got unemployment anyway. You're a victim talking about not having enough meals yet. You spent enough for three people on groceries. And you also went out to eat for an additional $600. Yes, you absolutely did. Don't try to pretend like you did. And I will not let that slide. There will be nothing productive that it comes in this conversation. If you are not able to accept that you were being a victim. If you're not willing to accept that part of your behavior being called out, then you'll never improve ever in your life. And then what the f*** am I doing? Right. Aha. Speak, boy. On what? Something she said you're not speaking. So there must be something there. In fact, unfortunately, when I look at you, I can tell there's nothing. But honestly, I don't know. Told you there was nothing. Okay, so you're the breadwinner. How much money were you making? 65 to 70, depending on where I was working. Now, you were telling a pre-production that you had your last job for 10 months and you're stressed all the time, which led to the flare-ups. But you were in, I mean, no offense. And I have some of them here and they have the least stressful jobs. Marketing is not stressful. The boss that I had was like crazy. She had multiple people were going to the f*** an ER from this marketing job. From the boss that we had multiple people on my team, all went to ER for stress-related incidences, yes. Okay, I'm, uh, yeah. And we went to HR. Make sure you never hire anyone from that team. So I'm like a lot of bunch of buses. Oh, no, no, no, she, she was a bitch and I never spoke to her. But did you work there? No, but I just got what? I worked at home, so he witnessed it and then she worked from home. And you're what did your boss do? Took her credit? Well, she's not only did she take credit for everything. She was, that's our, we work in a yacht. No, no, no, no, no, no, no, no, no. She's, she not only is working other jobs like while supposed to be maintaining this, which is the stress for the ER. She had another job. I'm not saying it. Okay, continue. We picked up her whole workload. We had no, no training when I started. Okay, these are basic job things that everyone has experienced out there. Continue. Okay. Waiting for the f***. She would constantly push off all of her work on us last minute. And like, you have all experienced this and so, bye. I've experienced it. I'm not saying that it's like not everyone went to the f*** ER. I'm waiting for the thing that sent everyone to the ER. It's it's it was constant. It was like it's not like was it wasn't like a bot like if I dealt with a boss That's fine. I mean she was like pushing off projects telling us we had one day to do them when it was like a two-week Project to make a book like a whole thing to print and produce, right? Yeah, I mean It sounds like a shitty job, but we've all been it was a war before. Yeah, it was a horrible job And I did it anyway because we had to as you said, right? You guys were enabling each other I really do and this victim mindset. Yeah, I really do. No My team member who worked under me went to the ER for she was in for a week and a half. She was admitted First like she had some stomach thing they were saying if she doesn't cut back stress in her life She had a stomach thing she needed to cut cutting back stress is the thing that is oftentimes given as a prescription to multiple things That doesn't mean she was given that due to high stress, but she'll want to cut back on stress through a lot of things that happened Your body. Yes, that is very common blood pressure blah blah blah all of it cut back on stress. That doesn't mean stress caused it though well From my understanding oh From my you guys can never have a job No, her previous job she held down for like yeah, I had multiple years Like for four or five years. Okay. Yeah, I was working as a Contractor I'd so I worked full time for Canon be and wear a Marketing agency called innovators and a couple esports teams. Why didn't you leave the job with your Nazi boss? Because I didn't have clients anymore my main client did not What? No, why don't you go get another job? I was applying the whole time. I was there I just I couldn't find anything that like I would go through interviews multiple like interview processes Get to the final point and they would say you know, we would have selected you This is what's concerning for me with the notes that I'm giving and what you talked about the little side-stream of income That you want to keep being an entrepreneur you want several streams of income and you want to make businesses out of hobbies I don't think you realize you having a bad boss. Yeah, I was stressful You will never experience stress like running a business No, I know it is the stress most stressful if you ever get employees if you ever get anything You will never experience stress higher than that. I've aged like that's why I have to do something about like my flares like I also when it comes to her Doing what she wants to do she can do something about her flares, but when it comes to her working a job And she can't work a job because of the flares regardless That's that's why like right now when I'm not working that is what we're doing I'm on the second month of a new treatment that we're trying. I'm supposed to go to Mayo Clinic in July I start with a new specialist. Okay, so it's time to get a job after that then right and that that's my concern is like We're blowing through savings like crazy this job like I approach you don't know how to eat. Why was there going out to you spending five hundred dollars? Right, because let's cry about it Yeah, keep touching us gonna make this go better Yeah, I think you guys got called into shit for the first time in your life because no one around just willing to Yeah, I don't really have very many people in my life, especially to call me out on my shit aside from her And she does call me on my shit most of the time. Yeah, like not doing the dishes Not doing the dishes keeping a job A fine job should probably just be an adult. Yeah, that's that that would be nice I don't think that's her nagging or her being on your ass I think you should just know get a job and take care of the house like of an adult. Yeah, yeah And it's pretty pathetic not so you guys said you have kids, right? Is that what I heard? Yeah, they don't live with this No, you said you have kids. I have kids you have kids five and six. Mm-hmm. You provide child support Yeah, roughly 200 a month. There's that not anymore. Yeah, why? Because the child's port is to my mother. My mother has tested yes when I when I lost my job We heard her and I sat down with our budget and we were talking about like Not doing it in the meantime while we figure out what's going on Uh, how do we even can communicate in this house because I feel like you probably don't Yeah, I bet a few hammer and shit down and you'll be like the lion when I'm not thinking about anything He just want to talk to me ever like we'll sit down to look at our budget and he'll look at it and be like I'm too tired to have this conversation right now, and then you yelling cry out. No, I just we just stop We'd actually don't fight very often at all We just don't talk at all either, which is why we're not fighting. Well, I don't know if he's capable But I mean, I'm being told to primarily talk about your relationship through sending each other take talk videos anyway But watch him. That's a whole thing about it. Well, I don't think that's a way of communicating. No, it's not It's like a passive aggressive type thing because it's oh, it's because you're both And he's just Yeah basically It's just frustrating. I feel like I've ran an our household by myself for so long and he has a ring And I'm like, I don't know if I'd say yes tomorrow. Oh, you're not married. You know, oh, thank goodness both of you run from each other Hey, did it in high school. That's great guys No offense. I mean If he's leaving, it's not like leaving something that just got like Well, like stay truck cancer, right? I mean Right, right Like it would be it would be bad if he left there probably it would look bad Probably less stressful actually, huh? It would be less stressful. He would be less stressful No, no, no, I think it would be like if we were to break up It probably would be better on my players and less stressful. Oh, yeah, that's what I'm saying I think both of you would be much happier. I don't know why you guys are together. I go. What is keeping us together? Love Huh sounds like it Is she gonna cry the entire hour and a half? 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I hate that. I'm in a position where I can't right now And I'm do you have watched me at home still doing everything I can I've gone through our whole house Which you failed to mention like I am actively door dashing. I'm the first person who's fixed our car Which that was a whole surprise and like 1300 dollars we did not need to spend had you Done what you had told me we're gonna do I feel like I spend all the time being in charge and undoing what you just like if you don't do it It becomes a problem and I undo it And right now like now that we're in a position where it's like I'm not making money then what Like do we lose our apartment next you're do we figure this out because I don't know you know Well, how much do you make a commission? I don't know you forgot to pick up your check for a week and a half Like that's like you're getting paid Why would you not want money like like pick like just take your check from him you don't do anything you just forget But your last job you worked four hours a day watching youtube all day and then um, and then you went to Like home and played video games for eight hours a day and still weren't helping around the house So it's like this isn't like a new Problem where it's like oh, you know, you're not cleaning while I am home but so That's fair. I can admit I was like lazy pieces shit for the first three years of our relationship didn't help didn't do Wait, I believe this that's the uh, all of it. That's all of it. I can't you please our three universe. She was an ape sorry I don't want to interrupt you, except I just didn't continue. That's fair. Anyways, I have been a lesbian shit, I haven't helped out, I haven't done anything to support the relationship, but I feel like I am starting to try to help out. You're showing up to your job. And I would argue that that's a pretty basic adult skill that needs to be done, right? But I would say that I've heard you say that you recognize that it's wrong and that there's a problem and that you recognize that the stress is clearly having issues. So keep responding, because you said a lot. I haven't done anything. Yeah, I haven't. I am working on being more, not open, open is not the right word, but communicative. I don't think that's a fucking word. It doesn't work. Okay, well that. I am trying to actively be more present in the relationship. I haven't done the greatest job of it. So he's saying he's working, is he working? He is working. Okay. He's doing that. No, no, he says he's working on all of that, is he working on all of that, or is he just pushing it all? So he went on a business trip for a week, this last week, he's been gone the whole week. He had four days off before he left and I said, before you leave, I need you to do these three things that I can't do before you go. I need you to fix the litter of what that you, like, deprogrammed so it's working while they're gone. I need you to do the dishes that you have your special cast irons that you wash a specific way and whatever. And what were the other ones? One more sort of thing. There's two more, but they were like very simple, like, things and he had four days to do them and I told him at the beginning of the four days, so he had plenty of time. When he left, he left the litter robot unplugged, didn't fix it, didn't do the dishes, didn't help with, like, any of the four things I had asked him to do. There was actually something that caused a problem, I'm trying to remember. It was, yeah. He had left it, like, completely unplugged to the point where, like, I didn't find out until, like, a couple days in. Why, why didn't you just, why, why don't you do anything? Also, with a business trip, two weeks into this job, they go to Tulsa, they go to Tulsa once a month to go sell there because it's a better market, but that was not our experience when he went. Yeah. What the fuck? Tulsa, they just need more keys. Yeah. Nobody. They just don't have a van there. I guess. So why doesn't someone start a van there if it's such a good market because my boss is now covering it? Open your phone, give it to me. Oh, thanks. Good night, phone. They both are. What do you mean? Whatever I want, boy. How is it that you are four years younger than me and look 40 years older than me? Uh, a lot of what I was doing, not good shit. You also don't have a chin. He's not wrong. Damn. We've talked about that, though. Yeah, I am good. We need stencil work. Ask him about it. Oh, it's a gentle thing. Yeah. Oh, ask him about it. Oh, it's fine. I don't know if that changes. You have it a chin type in your pass code, freak. Do you not know your pass code? Wait. It's like a pin, not like your pass code, pass code. Yeah. It should be. Bring it back up. I don't know what you did. Okay. You will eventually lock your phone. This refilled password. How do you not? I'm trying to look at a screen time, which is for somebody's in password protection. What the fuck is wrong with you? Uh, I have no idea what that pass code is. Would it be our interview? That's what I tried. Brother. Uh-huh. It doesn't know his bank password either. So she has to take care of everything for you. Do you want me to try? He's not hiding. Sheth. No, he's not hiding. No. I'm just a little slow sometimes. Oh, so she got your health insurance for you because you're pathetic. She knows you're bankrupt. My dad. Mine's because you're pathetic. Why can't you do shit? Just a lazy piece of shit and I'm relearning shit. He answered it. We just leave. You might love him, but your life will be so much better with Adam. You guys haven't bred yet. You're not married. Leave. Leave. Why? Why? Yes, you love. You'll love someone else. There's a lot of life. You're 27. Leave. I told you that if this isn't something that we can resolve, then. This isn't just something, though. This is the finances. I'm talking about. He leaves his job every five seconds. He's only excited because he just went on a trip to Tucson. But that, he doesn't do his custom dishes that he needs to do. He doesn't do the kitty litter. He doesn't do anything. Bro won't get health insurance. Bro won't do anything. Doesn't know his bank log in. He can't even burp like a normal adult that's on camera that you need to leave this man. I'm sorry. I don't know. What is, what's he provide for you, besides that you love him, which isn't boring, but you will find love. Yes, you will. No, no, no, no, to answer your question, um, he, I mean, he does show up in ways that, like, if I'm flaring and I need help, like, he will, he's there, like, you know, but. But financially, or like, in terms of having goals or motivations in life, like, no, that's not something that he seems to be with someone like that, even if I love them, even if it's even if it was Sydney, Sydney, and she didn't have. I could be with Sydney, if she's like, I'd make her my housewife. It'd be fun. They're mine. She can have no ambition. I have that. Yeah. Yeah. I just, I, I know that, like, he's capable of it. I've seen it before. Like, we've been friends for some, when he does it for like a month, no, he didn't use to be like this. Like years ago, like, when we, what happened, he went and made some poor choices. I mean, it's fine, but the poor choices are done, right? Right. And he is. So why is he not bouncing back? I don't know. He feels capable. Like, like, he might not be. He's looking at the first time. Like, I think the reason he's so excited is he feels like he is doing something. Okay. But for what it's worth, he's excited that he's been trying for three weeks. One week was on a pay trip to the desert. Like, I, he's two, we're all excited a couple of weeks into it first. Yeah. I was excited. A couple of weeks into when I worked at a pop, pop place, that place ended up sucking. Yeah. I worked at a garden center. I was super excited and then I hit it. Exactly. That's how it all starts. So that, that means nothing that is exciting. Right. I just, I want to give him the support to have whatever career path he wants, but I just don't know how to do that when he doesn't even know what he wants. Go to settings. Well, I don't think because for what it's changed, green time, turn off, it's green time pass. Yeah, but he needs to. I might know it. Yeah. Wait, four minutes. Oh, you can do, forgot pass code and then your Apple, I don't know your Apple password. But if you don't know your Apple password, I'm going to, and I actually believe it. I believe it. If you make kids with them, they're going to have like triple downs. You can't don't breed with this man. It hasn't been tracking itself. We can't even see because it's been off. I will say you won't see anything on there anyway. He hasn't spent a ton of time on his phone. He spends it all on his computer, even at home, when she needs extra help. Yeah. Like, what? Oh, gaming. Gaming. Gaming. A pace. Okay. How many hours a day? It was pretty constantly was. I'm talking about now. I introduced it to him like maybe two years ago. He has about 4,000 hours in the game already. Okay. That's, I mean, that's a lot, but, and I know people with even more, right? 4,000. Yeah. How many did you have on respirator? 5,000? Okay. It's a lot. Yeah. Okay. How much now, though? From the time he gets home till he goes to bed, so probably about 4, 5 hours a day. And then on his days off, it's all day. You just started streaming again, too. See, if you're able to stream, if you're able to do the streaming twice, but even still, let's pretend you make it as a streamer and you make it full time. You want to be able to handle a cancellation. The first cancellation, you get your body with literally, I've got a streamer. Inflate. Yeah. Big enough to get a cancellation. Yes. I was making about two grand a month. Okay. So not big enough to get a real cancellation. If you ever made a substantial enough living offer to get a real cancellation, your body will literally explode. If you're stressed from a marketing job because your boss handed you your last minute project, was enough to flare up, dude, you would die. You would actually die. Your organs would shut down. You couldn't handle it. I don't think I can handle not working either, though. I always work. Oh. No. Okay. What do you guys think your hammer financial score is for the household? Zero. Zero being the worst. Zero. You're able to get there all in your own. Proud of you. Appreciate it. It's yours for free. KalePamber.com. Take the assessment. Just take a few minutes to see where you stand in the world of money, where you're doing important. really where you're doing great, how you can get to the place you're doing great. And a good way to get there, unlike the guests on the show, is to download the Dolomized Budgeting app, take the free trial, so you feel like it most people do. And if you do. Sign up for the annual version of "Safes," almost 50%. That's why most people do it. And then you also get to sign version of my 30-day meal plan. - Thank God. - I'll sign it, email it directly to you. It comes with the digital version of the cookbook for all the recipes. - Appreciate it. - Uh-huh. That's for all snacks. Bring in meals. - Huh? - No. - If you're a good boy, I'll sign it. - Say less. - Visa, well, best buy. - All of the credit cards. - Oh, you're nerd too. So, oh, okay. Why are you going into credit card debt? - Because we have to pay bills. So when I, like, in the time-- - How much do you cost to eat $500 last month? Does it make sense? So in his bullshit, also $500. Does it make sense? So you spend on bullshit minimum of $1,000 last month. You can't use the excuse 'cause of the pay bills. You've been spending bullshit. You're on-- He just got this job. You're unemployed. Unemployment's about to run out. Food stamps doesn't kick any of it 'cause it takes like 30 days. Why $1,000 on bullshit then? I guarantee you, all the credit cards going up was down to $1,000. He spent $260 on here. If I turn the page, we'll let all be necessities on the best buy card. - The best buy card, no. - Then how can you tell? See how she tried to be a victim there? She tried to look good. She tried to do it again. - No, you're right. - Why is the credit cards up? What had the pay bills that we could have afforded? - I asked the cards and I obviously said the best part. Buy card. We couldn't afford to-- I had to make sure they had the food on the table. So we could live up in the lives. - Okay, okay. - Like, what are you talking about? $260 for you and I said, spend! Why'd Jesus have grown? Well, you only made a $30 minimum of the payment which is higher now. It's up to $51. That they won dollars is your new minimum. Yeah, you owe $1,929 and four cents on a $2,000 limit. What do you know about the finances of this household, my friend? - Honestly, not shit. I know-- - Do you know shit about anything, my friend? - I know shit about car keys. I can tell you that our average-- - Do you even cut a day, Pex? - He's okay. - Oh, I'm not in fashion hours to be okay. What are we? 4,000 hours to be okay. - He was almost a master's player. - That's a prize in the bag. God. - He won't work faster. - I don't do fast food anymore. - That's not what I'm saying, but also, yes you will. You are the prime suspect for fast food. No offense of fast food workers. But-- - No, he was a full-on man. I made sure everything at for fast food. He was like, excelling in that. He just won't do it. - I won't do to the chicken. - Well, that's pathetic. Leave him. If he won't do something, leave him. Are you flaring now? You're getting red. - It's 'cause I cried. - Does that equal flayer? Are you gonna break? - No, my skin's, you'll see it like-- - Is it disgusting? - No. - You saw the video. I mean, it's just gonna look really red. I'm gonna be able to draw on my face. Like, we can play tic-tac-toe. - Whoa, why didn't you like fast food? - Was it the clientele? Not necessarily the clientele. - Oh, it was the work. It was-- - He worked at KFC. - He did? - I ran that KFC. - Who's the slimy little common of shit twinkle-tock sucker down here who gets signed his own death warrant? - Oh, just like you're gonna ran the van, run. I know, I was using your word. It was a bit of silly guess. But yes, I'm gonna own that van. - With rent. - You're gonna rent it. - You're gonna rent it forever. - Right. - Okay. So let's see what this Best Buy Card has been on. That is basically maxed out by the way. Maxed out by the way. Maxed out. Okay. - Oh. - That is a problem. - Yes, I have a late fee this year. - Yes. - Why? Or why? - Before she says what she says a thousand hours on bullshit in a month. - Yeah, no. I'm trying to remember what the late fee was for. I don't remember candidly. I have I think three total. I don't know. - Your eyelashes falling off your right eye. - Hmm. Inside corner. - Oh, it was last month. Best Buy, Interactive Software. What'd you buy a Best Buy for 216 dollars and 49 cents? - We replaced his controller and returned it. - Yeah. - No, we returned it though. - Yeah. - Okay, we didn't need to replace a controller. I'm glad you returned it. I'm sure you'll spend it on something else next. 30 dollars and 30.74% interest rate. Which by the way, they referred interest not that long from now for the first one. So much interest is gonna hit the card. It's gonna boost the way about the whole of the year. - It hits in January. - Yeah. - It's $300 in January. - Oh, if it is in a nice sole, a firm car now, one of those. - A car now, she's a car now girl. What's your car now, car now girl? - Tell you what it is, Amazon, Amazon, a firm. TPW. - Fishing's license. - Do we need a Fishing license if we're complaining about not being able to put food on the table? Is that what the food on the table you're gonna get is? Fishing? - No, but we have caught fish and eat them. - 'Cause you're in Austin, where are you fishing? Like Travis? - Yeah, probably. - Lake Travis. - Where are we fishing? - This is the Fishing Lake Travis? - Yeah, we need a Fishing license fish anywhere. - That's true? - Yes. - I've done a lot of, no, I haven't. I've been, no. That was a long time ago in Michigan anyway. And all water passes about 40 bucks each. - Okay, this is a hobby, correct? Okay, all right, we're doing this if we can't put food on the table. - Because if you get a Fishing license, you can put food on the table. - And is that what you're doing? - That's not why it happened. - We were on a trip with my parents to Corpus. And he had a buddy from high school who wanted us to go fish with them. He's a commercial fisherman, required us to have licenses. - When you cut and put food on the table. - Any chance, $500 poles came with it? - Yeah. - The answer would be pathetic. What is wrong with you? - That was, you said, oh, the credit cards are going up because we can't, we're just putting our necessities on it. We're putting our necessities on it. - The poles were actually inherited from her grandfather who passed away. - How'd you spend $500 on poles though? - So we fixed his rods and then we bought him. - When we're unemployed and we're dying. - We had gotten the inheritance and it was like the week that I lost my job. - What, the pole fix? - Yeah. So we fixed my grandpa's poles and then we got him fishing rods and then the logic, which rightly, - The logic is you go to lay Travis now and use these poles to get some fish out of the table. - The logic was we have something we can do together when we're broke. - Carp, not necessarily tasty, but it's everywhere and it is still protein. - Yes, exactly. - There's also catfish in it. - We also grow a lot of our food too. - Yeah. - What are we talking about? You're backing further and further away from what you're, - I'm trying to, so we spend a lot on bullshit. That's part of the problem is like. - I'm trying to. - Growing, how much land do you have in Austin? - We have a balcony. - And I grow a, no, but it's a 20-foot balcony. - Whoa, how much food do you grow? What are you growing? - So we have tomatoes, jalapenos, onions, potatoes, blackberries, blueberries. - I can't do something. - The rest of that is I can produce much. - Here it's. - Care it's maybe. - Okay. - And we have a community garden in our complex. - Yeah, that has like apples, pears, plums. - I better find it all, that's, it's fucking that. Okay, listen, that's the set up payment. Pull up your affirm for me. - That's clarina. Do you want a firm plan? - Yeah, a carina. Great, so I know a firm's coming. - Yeah, it is, it's worse. - Okay. - Why is your screen so nasty creature? - Yeah, just what are you doing lady? Did you just, like, yeah. - Have you seen my skin? That's an impossible battle. - What, what's happening? - It just. - You shedding? - Pretty much. - It's lotion. - I do, daily, for three hour routine, yes. It's like a whole fucking day. - Okay, you're broken, why are you with her? - Because I love her. - Yeah, okay. - It wasn't like this six months ago, either. - I guess, $319.83, looks like you're monthly. Look, 'cause you got 'em all in, like, the 32% interest plan, $32.25. - Thank you. - Thank you. - Oh, so I'm just touching all your skin right now. This is nasty. Amazon Walmart TikTok. - TikTok! - TikTok! - TikTok! - Huh? - I said, and you said, "I'm a pussy." - And she just tried skin. - Touching other people's dead skin? - It's not a skin. - That's being a pussy? - Yeah. - Putting it on my fingers. - Yeah. - Other people's dead skin. - Yeah. - Moving on to, I'd rather be yelled at by TikTok. So, that purchase, specifically, I can only wear certain fabrics and stuff. - Of course you can. - We got 'em from, if you look at it, it's all shirts from this one company that, like, it's a certain, like, fabric that we've known that I can wear, and so it's all that. - I'm just brushing around the skin right now. - You want me to wipe it off for you? - That's kind of fucking stupid, I'll be honest. But what's not, is actually getting a checking 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 checking 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, make it. 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 bank's 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-ditch at 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 gotta do the work. But do you need this many shirts as the question? Because you are getting that. You're getting a lot of shirts, and also paddleboards, all shirts, all shirts, you know shirts, paddleboards. Well, that was, you don't need paddleboards. No, I agree with you. Well, you agree with me and then get it. It was like I got some sage. Does that make your skin better? That was vanilla bean. Are you cutting it off your skin? There's an air pump. Gotta get it for the paddleboards probably, and then a lot of shirts, do you need all that? Well, your Amazon. Yeah. The shirts are the one that you see are on Clarna, though. Yeah, how many do you need? Go through a screen. One thing in the cart. What's you thinking about? You don't need more fake jewelry. I didn't buy it. It's in the cart. It's a dangerous place. Okay. Well, you got a lot of makeup shit. A lot of makeup. A lot of makeup shit. Injection pain release. It's for when I get my treatment. That one's actually fair. Cat stuff that's fair. You got an official. Aren't we fishing already, guys? What are we doing? I was canceled thinking of gloves for the skin. Yeah. Okay. It's for the cats. Okay. Now there's too much cats. If you're getting too many toys. If you can't afford to put food on the table, we're not getting that many toys. Way too many things. Guys, we're getting how many gloves do we need? I have a lot. Why? I think you're back. You don't need kitchen aprons. I think that you're back. No, I agree. I think you're back past when I lost my job. Even still. This isn't saying you guys didn't have a fully funded emergency fund. We do. We did at the time. Not fully funded. 12 was enough. I don't think so. If you're not able to survive right now for 4,000 hours and 12 was not enough for a fully funded emergency fund. That math is not math. You're at the loans. 1800 bucks. It's crazy, by the way. Yeah. He wasn't working that entire time and you allowed to have a $1,800 dollar. I paid all of that myself fine. I was just saved. It's a 3 hour routine to make it sound worse when you told pre-production earlier that it was an hour routine. Well, I do it multiple times a day. So three times a day? Mojane, you need to do it in the post show. Please don't. No. Okay. Give me that affirm, which is where all the amsons, which was honestly mostly bullshit. And being honest, there's a couple things that the medical thing was good. Cat food, I understand. And those amount of gloves and ketchup. Imagine setting your makeup then forgetting it's even theirs. Jelly 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. Maybe it's Maveline. Toys and aprons, a bullshit, a bullshit, a bullshit, a bullshit. The gloves are for $1,289. I know you have like a thousand pairs of this is bad. $1,289.95. Okay. And I'm trying to figure out the minimum. If you let me wipe it off, why didn't you do it now? I guess I forgot. We're just, I don't use these apps. Shit, man. Only times I do. I'm afraid if you touch it, it'll get nastier. Okay. I'm trying to get to like your purchases or something. Okay. Wait, wait, wait, wait, wait. It's at the bottom on the homepage. It would be under like manage. Manage? Yeah. That makes sense. Okay. And your minimums. Okay. Okay. Okay. Okay. $231.13. Okay. Good. Oh, we have an Amazon card on top of it. Great. Why do you have all the credit cards and he has nothing? He doesn't have credit. His credit was a four according to Lindsay. I found that out before the show. What is wrong with you in life? You suck. Yeah. You suck. Go live in a cave. He probably loved that. Yeah. He has a brain of some new lives in it. Honestly, I would prefer to live in this. Could I have your apex there, though, buddy? That's fine. I could have a real life a job. Why would I work a second job if I'm living in a cave? For more money because you're on unemployment and you're maybe in the future wife can't work. That's why I'm trying to own a business. Oh, buddy, owning a business means money and shit, dude. Oh, he's, he's, I got I just mean he's so, but he just meant he is so. He is so to few things as his way out. Businesses take forever to actually be able to bring home a decent profit forever. I'm saying my boss says he's been at it for a year and a half and he's bringing home like 200 grand at the end of the year. That's why it sounds like an MLM because everyone has all these sales techniques to try to get you to do it. Yeah. Then the commission thing is kind of weird. And it's weird that it was 1300 when you first started and now it's like, well, 500 on bad weeks. It's like, well, that doesn't help me manage the budget. Yeah. Yeah. Okay. So $1,474.34, minimum monthly payment, $80.31. 33 dollars of interest fees being added. Why? Purchasing on a card that we can't pay off the take seven years to pay off. We had to put the card on it. You're real good for a project right? We had not not the whole purchase. It was prime video, prime video. I read movies and getting prime video when we can't put foot on the table according to you. Huh? So what? Please inform me. Inform me. I must be because I'm confused. It's better be entertained and broke than just broke. But you wouldn't be as broke if you weren't spending as much money on entertainment. Also, you already have Apex. So it's free. We also have all of our family's subscriptions to every other platform. Body stopped. You guys suck. I mean, told you a resentful about his job situation. Why? And that you want to go back to school or fund one of your businesses? What again, I don't think you can handle either of this. I do that on this side of a full-time job. When we were on our interview thing, he had said that we didn't know that it was rented. He hadn't asked his boss. He was saying that there was a down payment and we would pay for a van. I was out of all the things. I've designed my own card game. We've done a lot that I would love to invest in, that we've talked about investing in, and we're not. And then I love that you finally found something, but I mean, it's not like you've been attempting to have a business this whole time. And it's I want to support you, but I also want you to support other things too. Not now when we don't have money, but like, you know, for the last three years, you've watched me try to start businesses. And basically like that was just not an option of something you participated in, you know, or like wanted a part in or invested in with me or anything. So I am a little, I want to support you no matter what. I want you to be successful because I need you to be successful so we can have a future. But also, yeah, kind of sucks that we're, I'm going to full support you in this. And of course, I'm going to and it doesn't go that way. What are the recent build and build and build and blows up though? Because that's a new reason. I mean, he's only just found this thing. Then we end up on financial audit. No, because that hasn't happened yet. This resentment is barely started. If you want to sort of thousand businesses, you have your card thing that you talked about, you had a plant selling thing, a stained glass company. No, no, it wasn't doing everything that everyone already does. Why can't you do something new in the marketplace that hasn't been done? So you need a card game every 30 seconds. It's like a journaling there. It's supposed to be to help with therapy. It was, I actually designed it to get him to help, like, to talk to, for us to be able to talk. No, he hasn't played it. Oh, we haven't played it at all since it was produced. Actually, maybe it's not good business then. Child, you're in debt child support. Yeah. Yeah, there was a good solid four years that I was f***ing off and not doing shit. But I have started paying. Oh, what's the monthly requirement for this? I think the monthly requirement is what we agree with with his mom. Yeah. No, no, no, the one on this credit, the one on his credit from the court. I think it's like a hundred and something brother. But I typically have been paying 250. Well, let's just do the minimum. That doesn't make sense to do more. He owes and back child support 12,891 year in degenerate pieces of shit. - Yes. - What the fuck is wrong with you? - What's wrong with him? - There was a brief period of time. - You keep looting too. - Say, I'm not gonna ask questions, so say as much as you'd like to about it. - I was doing a lot of bad things with a lot of bad people, okay? It's as deep as you'll go, okay. - Well, you still spend $250 a month, the comedian store on cigarettes and energy drinks. - Yeah. - Yeah, maybe that should go to your back child support. You're a failure. - Yeah. - I have paid off a lot of it to my mother. - Great. - Well, I hear about this one on your credit. - I talked to your mom yesterday, and she said that that's already been deducted from this total. - I guess so. - And it might as the like thousand that, like we've paid from the budget that I made. Yeah, the lump sum payment that you've been telling me about that apparently is already out of that amount. - Wait, what are we aware of? - We're here in $8,595, is that that? - No. - That's part of that car. - It's additional. The car, what car? - So I had a car when I entered the relationship that was paid off. He got teaboned by a driver who ran a red light in the car. It was in insurance total. - Why are you with this fucking guy, dude? - No, it wasn't his fault. They were drunk. - Still everything else is, though. - But we, but we tried to get it as close to like the insurance payout as possible. We were about like two grand off. So my parents let us loan it from them versus a bank with interest and stuff to help us out. - Good, yeah. So do you have a minimum for this $8,595? - No, they said they would love progress on it. And we, they know we're here and like the, the goal is to come up with a plan that we can present to them. - Plan that person. - We've paid off. - You spent a thousand on bullsh*t us, want like it doesn't work. - Then that's what we're here. It's just, yeah. So two grain of it is bills. There's a line item somewhere. - Pills, good shit. Well, you spent a thousand hours a month on bullsh*t. - The car bill is the two grain. - This is so stupid. It's so pointless. You didn't need to be in the situation. Not as, at least not as bad as you are now. - Yeah. - And you should work two jobs. And yes, you should go back to fast food. If you need to get another job, you pathetic warmer. Tax guy. 350 bucks. I got a tree. - Yep, I'm up front. - You home in the back? - No, yeah. It's back. - You have met him on with him? There's this lump sum. - It's just 350. - Dude, why didn't you pay him? - It was for a three grain, it's due now. - You're having his services. Why didn't you pay him? - Yeah, it's due now. It's not that I know. - Why do you need a tax guy, W2? - Because I have a lot of things that are written off from the contracting and stuff. - Or contracting. - So like any marketing clients I pick up or anything like that. - How much money did you make from that? - Last year, probably maybe 10 grand. It wasn't bad. It was just a couple. - I was a little more of that. - Yeah, I'm working on that. I have all of my own. - And then you have a payday in Lone Mason. - Yes. - I didn't know about that. - Eight years ago. - Did I have collections? I have no idea. - Because from eight years ago, would it be? Well, you just said it, we didn't see it. - No, yeah, I have. - He said it in the phone call yesterday. I have never heard about it. - But we've never seen it. - Yeah. - Didn't show up in his credit either. - Your credit score is actually four. - Yeah. - I didn't know that was possible. - I didn't either. Honestly. - What? That's insane. You suck at everything involving life. - Yes, I can agree to that. But not everything. - I still think I'm a pretty decent agent. - Explainer. - Take that off again? - No. - What? - Take it off again? - What? - You just said no. - No. - Oh. - Okay. - Yeah. - Literally everything except Apex. - I don't, I'm not sure you're just going to explain what you're thinking about it. - It's time to finish your thinking and do it. - So much worse. - It is not. - We have done it before. It is worse. - It is not. - It is not. - Do you guys are just used to that? - That could be true. - It is not. It is actually four. That is an actual screenshot. His credit score is four. That's crazy. I've never seen that before. That is crazy. That is crazy. - How do you fix that? - I didn't even know I had that. Yeah, I'm going to make you call the parents in the post show and I'll make here their perspective here. This is fucking insane. And here's the checking account. It's all bullshit spending. Who's Wells Fargo? Who's Wells Fargo? If you're the one crying to me. All of our money comes out of my accounts. - So, I think it's the. - You're the one crying that you can't get food on the table. Crying that you're blowing through the 12 because of life's necessities. - Fuck you! Half price books, go fuck yourself. - No, I sold those. So I. - Don't give a fuck. You spent the money regardless. You didn't want the chose to like the card. Shut the fuck up for a second. Netflix, Amazon, Dornash and Subway. It was all grocery she said earlier. I said we'd see $50 to Dornash Subway. Ah-ha! Home Depot, 27 bucks. Michael Storz, you have to do that, $25, you. Home Depot, Home Depot. Dornash in there was actually groceries, 50 bucks paying extra for it, by the way, to do that. Ultrahuman, Home Depot, going there all the time. Dornash in double, double, double place. 150 bucks looks like a restaurant. Apple Cash, Shen, Pink, Cherry, Nails. We're going and getting our nails did when we're training our emergency fund. - That's actually a necessity. - No. - Yes, it is actually a necessity. - Hey, go kill yourself in Minecraft. That, you're, that's not. She can do it a little. - No, I can't. It'll turn nails green. We did that. - Okay, you don't need nails then. You're unemployed. Shut the fuck up. - No. - This is not an emergency for survival. You don't have a emergency survival. - It is a necessity. - It's not what you're really, it's all what you're doing. - When she doesn't have nails on, she will like gow her skin open. - My skin so far. - Because of her skin being as fragile as it is. - Stop it. - I can't. - Yes, you can. - No. - No, I can't. - Oh my gosh, dude, people with OC, do you get their behaviors on the control with coping mechanisms? - It's not. - You are not the only person in the world that has that struggle. - That's what the nails are, it's the coping mechanism. So it doesn't tear her skin up. - Could it be cheaper? - Absolutely. - Yes. - Where gloves all day? - I don't know. - You're not the only person that deals with the bad habits. - It's not just, it's the skin. It's not. - I know. - Is it a bad discreet regardless? - Yes. - So stop. - I'm trying. - It's hard. - You need acrylic, but you don't need the fancy designs. - That is true. - I can stop. - So stop with this stupid bending. - You're in emergency mode. Amazon, Amazon, DoorDash, DoorDash and Chick. - Play. - Oh, it was all the groceries. - You. - Amazon, Amazon, Amazon, ring multi-plan, maybe. - We had a bunch of break-ins in our complex. - Well, great. - You're spending 1,800 bucks for that and move. - Yeah, this. - DoorDash and Randalls, again, but you're paying a premium for it then DoorDash and Chick-fil-A. Amazon Prime Video, TikTok Shop. For, oh, and there's more nails getting in dead. Pizza Hut, TikTok Shop, Prime Video. - Uber in. - That was to the vet for an emergency. - It's all bullshit. - Except for that. It's all bullshit. You, are you Chase? - We're both Chase. - Yeah, we're both Chase. - 86 dollars in here. - That's probably mine then. - We're getting like, I don't know what this change thing it's highlighted though. - It's our saving. So he didn't actually know. The only way that I- - We're at Brightcom. Oh wait, bring it.com. - Bridget, that was like a short-term loan, but we don't use that anymore. I don't know. I don't know, 'cause that just happened. And we're overdrafting multiple times this year so far. No shock. I don't know why we would have money going into savings if we're overdrafting. It's stupid. And is this the savings? No, but this checking account ended with negative $4.74. But we went to Jessica Hollis Park and we went to McDonald's and Academy Outdoor Sports, $100 when we're literally negative in the checking account. - Oraring ink, or a ring, ordering? - No, cancel the membership. - I have to have one. That, no, I don't have to have one. It was recommended by my doctor and we tracked my flares through it. He wanted one. And so he got it. - Yeah, that's all that one, you f-. - He's not even active, he just wears it. - Good, absolutely. And what's the point? - Etsy. That's not necessary. Bullshit, bullshit. Chick-fil-A. That's unnecessary. That's not Docker recommended. Stopping inside getting a bullshit. Apple. Shell. Yeah, you're starting to get some bullshit. Etsy. Audible. Open AI chat, G-P-T. Parchment University docs. It might be, but no one's in school. - That was my, that was for me looking into going back to school. I didn't mind to it. I didn't mind. - Oh my gosh. Goodwill. Stopping in, getting some bullshit. Your energy drink bullshit. Stop. Gamersupps. 40 cents a serving with my discount code. That one's free. You get to free samples, see your, figure out what flavor you like with Code Caleb. Then get that Gamersupps. For free. Well, for 40 cents a serving. Instead of stopping in and getting a bullshit like you did for $3.89. $3.89. That's Starbucks. Bolsheb, Bolsheb, Bolsheb, Apple Cash. Bolsheb. Okay, so shit. 14 dollars in this. What savings out? I don't see savings. - So, what's retirement? Where's savings? I don't see shit. - We don't have savings left over like after we've lost our jobs like in our actual accounts, but this is- - What do you have? Just tell me a number. - I'm looking at it. - I get you both course queer certification, so you can definitely get on a better career pass. - I don't know what his is at, because I just set it up on his phone, and I haven't looked at it, but mine's at 330. - Any retirement? - I have one 401k that was active for three months, and I haven't gotten it. - Where's the new guys yourself? - Yeah. - 544 dollars in 69 cents is your minimum. There's no car payment, correct? - No. - Your rent's 1800? All utilities plus internet? - Combined, how much? - Maybe 380? - Gas, boom, boom, drive, drive. - Well, with his new job, probably about 200. - For both? - We only have one car. - Car insurance, how much? - 130. - Car bill? Phone bill? - We don't pay, no, that's on our parents. - Six, should be able to do actually 500 groceries. You gotta cut it tight. - Co-pays monthly basis, anything? - 120 for him. 60 for me. And the rest, my parents are helping me cover further flour. - Subscriptions, I'll try 20. You gotta cut it to basically one. You have pets? - We're gonna have two cats. - How much? - We have three. - Three? - No, it gets worse. We have four snakes, three cats, and a fish tank. - Okay, 150 for the cats, for pet insurance. 'Cause you can't refer to a less-- - We have $90 pet insurance, for all three of them? - Yes. - It covers all three of them and-- - 90, how much for pet food? Or pet food across the board? - $74 every two months. And oh, all across the board, then it would be $50 for the snakes each month. - Is it on top of that? On the top of the 74 every two? - Yes. - Okay, I'll just call it 75, I call it like 85. Okay, now it's calling 90. So anything else that needs to be in this budget, that I have not done? - Like Jim? - No, we have a Jim through our complex. Let me, I'm pulling up my budget, hold on. - Okay, we have, okay, well, right now obviously, make $2,500 a month, which is nothing. - Oh, his health insurance, in my health insurance, not the copays. His health insurance is $95 a month. Mine is 130. My dental is 12, his got canceled. - Okay, so I think your budget's likely gonna be around $4,200 a month then. - That's, yeah. - With insurance, unemployment, I mean, you technically don't only break even, such as you're like, you have an extra couple on a box, 300, but that's done in two weeks. So food stamps will help cover the food bill, but that's not gonna be enough to actually, your rent's way too expensive. Just hopefully, if you're actually disabled, but again, I'm just not even gonna comment on. If you are, hopefully they approve you, 'cause that's what it's for, and you make enough to make, break even, but you guys just need to focus on breaking even, then you can go through bankruptcy or something. I don't know, 'cause right now, it's just like once the unemployment's done, and if you don't get our disability, you guys will just be negative, completely, and it's not really a thing. So the advice is, the reality is, you don't need to go get a second drive, you work here in 80 hours, so we can minimums, 'cause bills have to be paid, and you're doing door dash as much as you can. - Yep. - I'm working on it. - And that's it, and you just, and you might just want to declare bankruptcy, you might be able to have the, you need to stop spending on the credit cards, but if you guys don't double your income, which is pretty much the only path, which means you double working, or getting better at sales, or do you do something you can do, but I'm just not gonna comment on it, 'cause I don't, no, it makes it impossible. But there's just nothing. So, meal-propping, meal-planning. Yeah, we're on a tight budget as quick as possible, but you need to go work two jobs. And you need to work as much as you can in between flares. Are you, I don't know, but I can't comment on it, so. That's the set. That's the set. Sorry, and bankruptcy might be a good thing, but only if you change your behavior for a few months and prove it. Or else you'll end up back in the situation in a few months. It won't knock off my parents either, huh? Nope, but that one doesn't have a minimum to payment. Your minimum to payment are why you can't survive right now. Okay. All right. Listen, we're gonna call the parents to get their perspective in the post show, but let's get the time tonight for school first. We'll get you all the resources, again, to try to help with all this, but listen, right now, you just need to go work. That's it, you got nothing for you. Just, well, I can't even comment. So, not informed enough. Spending in a budget. You have to spend zero out of ten debt. Family debt, collections and shit. Okay, zero out of ten, emergency fund. Nothing anymore, zero out of ten, retirement. Definitely nothing, zero out of ten, real estate, nothing, zero out of ten, hammer financial score, zero out of ten, as you predicted. Get chose at CalebHarm.com. Now, click that join button, join the best membership on YouTube, three premium shows posted every single day, six days a week, called Hammer Elite, where you get to watch the next 20 minutes of the sub so that we're gonna call the parents to get their perspective called the financial out of post show. See you there. Call the parents. Join through. They don't know what, any of this. They're struggling, right? They're struggling. You have to help, right? - No. - So. I heard Bob say no in the background. Have you ever fucked up in your life? - With my choice and men. - That's crazy. That's actually a crazy (beep) - No, no, are you really thinking, are you really at your breaking point where you might leave this relationship? - I just launched the brand new Hammer Elite app available on every major platform. Plus, I have an exclusive offer just for you. But I'll only have 1000 available to purchase. This is the best membership you'll ever join, and that's a promise.