The Biggest Losers In Financial Audit History

- To watch episodes of financial audit a week earlier, check us out on YouTube. - That lie we caught him in that you didn't know about? Guess what? There's another one he lied to you about. - Now I'm finding out more, so please do explain. - Told my wife I was gonna work out of town for a weekend and just stayed in a hotel alone for three days. - What is that? - Do you feel like he resents you? - Sometimes. - Do you guys have kids? - Yes, we have two kids. - Then it's no longer a joke at that point, my guy. Dude, go put fries in the bag. I'm not gonna go work a nine to five when I know I refuse. I'm refusing only because I've never needed to do that. - If this is not what you want to do or where you want to be, then you can go. - Dollar wise referral games are officially live. I want budgeting the spread like wildfire across the country. So I'm launching the dollar wise referral games with huge rewards. On up to $1,500 in rewards, get a chance to win a trip to Austin. And if you're the tap referred, take home the $10,000 grand prize. - Are you a dollar wise customer? - Get in the game. Not a customer is not too late. Give 56% off for life. - Click the link in the description below and let the games begin. - I want you to be on the next episode of financial audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work. Apply you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to katelapamber.com/apply or click that link in the description below. - Hi, I'm Shannon. I'm 36 years old. - And I'm Tanner. I'm 38 years old and we're from St. Louis, Missouri. - And this is financial audit. - Yes, it is. Thanks for coming down. Shannon, you're in front of me. Let's start with you. What do you do for a living in St. Louis, Missouri? - I am a general manager and a hospitality industry. - Sure, we're talking a hotel. - An attraction. - An attraction in St. Louis, okay? - Yes, tourist attraction. - I don't know what's in St. Louis other than having a black man murder you. - Very common. I'm kidding. - That's racist. - Yes. - What the fuck? - Yes, okay. Well, what do you get paid to be racist? So it's your-- - So many $8,000 a year. - That's a good, oh, that's a good amount of money to be racist. It's pretty good. - Okay, so what is that breakdown per paycheck basis? - Aftertax is about $1200 per week. - A week? - A week, yes. I get paid weekly. - It's $1,200 times 52 divided by 12. It's gonna average us out to, why are you not mute? Do not disturb. One of you creatures. What do I feel it in the table? $5,200 a month. First of all, I mean, in St. Louis, now horribly extensive place 'cause it's a metro and decline. You can do quite well on $5,200 just for the household. I mean, you guys are certainly probably above that Metro's median household. But, Tanner, what do you do? We're at in a second person at the household here. - Yes, I'm an entrepreneur. - Okay. Name. Right now I'm running a security company. - Are you? - Are you running a security company? - I am. - And what security company are you running? - So I run Ozark South, I do mainly things. Lots of parties, certain bars, contract. - You're by running a security company. Do you mean you show up to parties? - No, no, I actually, I'm really into making sure that my people are secure. I do executive security. - What people are secure? - I don't know if I can. - The kids at a party? It's typically joining. - I'm sure we're not showing up as a clown. - Yes, no, this is, I take a pretty seriously. - Are you sure? - I'm mostly sure. - Okay, good. Well, I mean, that sounds really nice. So, executive security? - Executive. - Some bands, and St. Louis, Missouri? - Yes, when they travel to do some shows, I'll get contracted to kind of be their shadow and get a small team together. - You. - Yes. - And I'm short, I'm short. - It's not about that. - It's, you, it's not a company per se. When I'm thinking of like, you know, an organization with employees, and stuff like that. - No, it's a small company. It's me and a couple 1099 guys, yeah. - Okay, so you have a couple of contractors that go with you when you need it. Okay, I mean, security's good. I got security. We need security. Security's wonderful. I mean, before I even learn about the income, how do you feel about this? Just when I hear entrepreneurship or newer, I don't know this show. The amount of red flags going off in my brain. - I get some of the same red flags I'm not gonna lie. - Tell me. - He's had a lot of business ideas, not. - Chasing a bad thing. - Having the ideas is one thing. It's the execution that's a whole mother thing. - Uh-huh. - And seeing the fruits of labor is a different level. - Do you see the fruits? - Not very often. - Right. And there's been plenty of times where you've seen the fruits of that. - Not very often. - No. - I'll disagree with that. Okay, well, she gets an apple here and there over the course of decades. Is that really something for her to hold on to? But, well, I mean, when I look at the amounts from the past, from certain times, I may have sustained something, you know? I look at it and go, "Hey, I mean, I did sustain you during this portion of your life." And, you know, I might be not getting the contracts that I want right now or things might not be as great as they should be, obviously. But. - It's a staining for a month or two is different than years, though. - I haven't just put a guy saying, I have an idea and then I just don't do it. - Tell me about the pay with this. - It definitely can vary like the parties are poor. I mean, it depends on what they. - The parties are poor? - They're, I'm sorry, it's a poor pay. A lot of times, I mean, it's, I get certified. - Then why are we doing them? - Yeah, I get 35 an hour, the employees get 25, the people like contracts, typically like 700 a year. - Sure, but what does this average out to on a monthly basis? Would he even know? Are you the one that's gonna have to tell me? I'm having a feel. - I'm not sure he would fully know what it averages out to. - What are you thinking it averages out to, guy? - One contract right now, I don't give a single contract. I'm talking about a monthly basis. What are you bringing home average? Quarterly basis, maybe it's easier to average that way. - Maybe a thousand, twelve hundred, okay. Okay, I mean, 39, no. - 38. - It's a little, like, not incredible. - Yeah, are you guys married? - Yes. - How long have you been putting up with this man and his entrepreneurship? - Eight years now. - So what are you guys doing? What's going on today? - I'm a little over his entrepreneurship. - I don't blame you. - It was fine when we first got married. We had a green, when we got married, that he would spend five years building whatever he wanted to build, whatever entrepreneurship filled he wouldn't take. At the time, it was filming and acting, and at the time, he was making a decent amount of money, six hundred, twelve hundred dollars a month, and he wanted to build on that. - That's a decent amount of money, okay, sure. - For me, the area we're in and the-- - Yeah, the acting is getting St. Louis. - Hey, no, look, I will say so, I brought, I got a micro-budget film, I brought in SAG after, I mean, I really-- - Yeah, that sounds like nothing. - Yeah, micro-budgets pretty small, but I mean, I buckled down, I got actors, I mean, I hadn't-- - Congratulations, guys. - Very good, you made a student film. I'm proud of you. - That was better, no better. - Get it, job! That's where you go get a-- John, provide for your damn family. You're lucky, she makes money. Here's the thing, he says you allowed him five years. - Yes. - That's incredible, you know how lucky you got, you know how many guys have a dream? You know how many guys go somewhere and you just catch a amount of calculator doing their grand plan in their head? That's what guys do. No one ever gets the execute. - Filmmaking and shit, like, come on, like-- - Have a real dream, let's be honest. But in reality, that's incredible. That she gave you five years, five years? What was the agreement specifically? Was this an actual agreement or was this like a little, you know, like, no, we're walking by and you just set it. - No, it was an actual conversation and an actual agreement that we had before we got married. - How extensive was that agreement? - That he was spent five years building his film at the time, film business and acting career. And he was on the right track. - Couldn't it be a real business, okay? - By the time COVID hit, we were about two years into this agreement and he was making around two grand. So he was stepping it up every month. - Sure. - And then COVID hit, the independent film on the street took a huge hit in that. - And St. Louis. - And St. Louis, yes. And he had a few independent projects that he worked on then. They all kind of crashed and burned for one reason or another. And then after a kind of-- - Yeah, for one reason or another. - Came out of everything. I told him, hey, you can take another three years. I'll take the three years-- - Three years, I'm in addition. - Oh, yes. - In addition. - In addition to the five years. - Wait, so what does that leave us? - Here, at this point, we're coming up-- - Is it now? - It's done, six months from now? - About six months from now. It's done. - And you're making 600 hours a month. - Some more than that at times. - So you went from being a professional theater kid to being a security guard? - No, no, so, so, okay. - There was many business ideas in the beginning. - And back up, I'm sure. - The kids and all that, okay, so I don't ever say, They're not. my kids, they're biologically not my kids. - So you just said they're not your kids? - No, I get that. But so when I look at that, I stepped in at a time where you just said they're less valuable to them. Like he doesn't need to, that's what he's saying right now. - No, I don't think that. - Why bring it up? Why say it? There's meaning behind it. The lifestyle that I was used to before meeting her, I guess. - Very good, you married someone with kids. You adopted the kids into your, you are the father. - Yes. - And we'll, or stepfather. - Stepfather, yes. - So why are you having to note this? - No, just to, when I came into the relationship, I mean, I never necessarily wanted kids after I met her though. When you met her did she have kids? - She did. - Yes. - So you kind of knew what you were getting into, you can't really play ignorance on this. - No, I didn't, I didn't. - So what the fuck? - But what part of that agreement? I think what he was trying to get at, is part of that agreement is he would be like the stay-at-home dad, while he's building up his business type of thing. - Stay-at-home dad for kids that you are very much clarifying immediately before 10 minutes into this conversation or not your kids? - Oh, no, no, I raised them like they're my own. I never say that they're my stepkids or anything like that. - Except for before we were in 10 minutes into this conversation. - Right, it's very curious. - Just because like the lifestyle I lived before I met her all the way up to that point, I mean, it was, it was a lot different. I mean, it was night and day from where we are now. I don't know how to explain it more. I was ready to just get out of that craziness, maybe. - But I'm confused. How do we stay at home, dad, or five years of entrepreneurship? That is incredibly conflicting. And now you're just a walker. - He gets a little way more flexible than mine. So he took on the domestic duties and making sure they got to school. They were fed, all that kind of stuff. - But that's not being an entrepreneur. - No, I built a business from home. You know, I was building this. - Besides from all cop business, which one? - One is working on the films, mainly films. I was doing casting calls. - Oh, you got to be somewhere where the film's being made, dude. Where the talent, where the demand, where there's anything. - That's one of my biggest complaints too. I can't do it. - Oh, is it? - Yeah. - Hey, you had that choice asshole. - He wants to move, and right now my kids are still to where film is more prominent. - So what? Atlanta, Toronto, and all else. - Atlanta, New York, Austin, yeah. - He wants to move somewhere where film is more prominent. Acting is more prominent. I don't want to move because right now, my kids are still. - Your kids, yeah. - So you have like a realistic, actual thing. First of all, she makes good money. She actually has something going on. She has a career path. She's able to contribute. She's taking care of her kids. Your dream has always failed. And you're at the end of the extended clock of your dream that she gave you. And you want to pick her up and her kids up and take her to somewhere you certainly can't afford? What the fuck is that? That's some selfish behavior? - Well, I don't know. With everything, you know, if you're not seeing really what's going on and what I'm doing, I mean, - Okay, then tell me. - I do feel underappreciated for a lot of the stuff. I mean, I did step into this family, which, and I love them, I'll do anything for them. And, no, I will, I'll do any, I would die for these kids, really. - But is this stepping into the family thing? - It was bragging about. - I was totally new to me. You know, I didn't, I've never had a family. I mean, I grew up without family. - No, what does it does it do? - No, I mean, from 14, I didn't have family. I've been on my own since 14. I never really knew what family dynamic was. So it was a totally new thing. - Have you ever watched the TV show? - But I also made it know what you were getting into and I gave you many outs. - You did, but as time went on, you know, I thought I'd have more time to focus on things. I was going to be that guy that traveled around. And hey, I'll do this and bring in-- - So staying all day that travels around. - Well, no, I wasn't supposed to be the stay at home. And then we kind of, things happened. She had a babysitter, like a live-in babysitter before I came along and she was taking advantage of her. I ended up throwing her out of the house, you know, for her. - She didn't want the conversation. - No, no, no, no, no. She, she was an idiot. I, she was just partying in her house when we-- - She was young, she was 18. - Yeah, I was crazy. - I was given her a place to stay so she could move out of her parent's house and get on her own feet. And in exchange, she was babysitting for me. - Rent-free. - And then she stopped-- - What do I know where this man's at off? Okay, I really used to attempt to. Then she said, no, and he kicked her out. - No, no, I'm just, no. - She was helping me out to an extent. - And that's when that happened though. I threw her out, I said, look, I'll start taking the kids at school, I'll start doing this. In my mind, I guess it was going to be more of a temporary thing because at the time, I was busy. I mean, I was 80 hours a week working on my film projects. I mean, I was still acting, I was coming to Austin, I was going to Atlanta. I worked on some pretty big projects, you know, with some companies, I mean, it was going great. But then-- - Until it wasn't. - Until it wasn't. - Oh, because what? - Well, I just fell into this kind of stay-at-home dad, and then I started developing these feelings. Like, hey, this is my family, maybe-- - Oh, you started that, you love your family? - I did, I mean, it, you know, it took a while. I mean, it did. - All round of applause. - What a hero. - I had at the same time between all of that. I always told you, if you wanted or needed a travel for work, I would figure it out. - You didn't. - Because at the end of the day, they are my kids, and I'm the one that has to figure it out. - But then as soon as I did do things, and I did step out, and I had to be gone, it's like, oh, well, you're gone, and I have to do this, this, and this, and I'm working in, I have the kids. - That's my own feelings. I can't control how you feel about a situation, just because I make a comment, doesn't mean that's how I actually feel. - You made the comment. - But the comment wasn't based on feelings, it was based on logic, and you took it as feeling, not me. You took it your own way, and I can't control that. - I mean, with that logic, yeah, I mean, I could say the same thing, you know, you took it your own way, but the way that you said it to me, it made me feel more like, hey, you've got to be at home, you've got to take care of this. I don't have anyone to take the kids to school, and I mean, I had that responsibility. So I'm not gonna bail on you, you know, at that time, and I mean, my schedule was very flexible. So I could take time and say, well, you know, I don't have anything going on until tomorrow, so at least I can do this for the day. - And you kept pushing off, and kept pushing off, and kept pushing off, because you felt like you needed to feel a responsibility that wasn't actually yours. - Do you feel like you resent you? - Sometimes. - Yeah, I'm getting that. - I guess from living this bachelor life to where he could do whatever, whenever, and how he wanted to do it, to you taking on a full family unit. Without being a, he's into it. - And what the, did he do it? If he's gonna hold on to it, if he's gonna hold on to it six years later, seven years later, whatever it is. - 'Cause he does make a lot of sense, say, well, I can't because of this, and tell me. - I tell him, I will figure it out. If we need to make an adjustment to our schedule, we can figure it out. That's where communication is key. Yeah, he takes up the, and I say the wrong way. Obviously, there is an issue with communication on that, and okay, let's talk about it, let's fix it, but then we just keep circling around that same issue. And then he'll make other comments where it's like, well, I do all of this stuff for you guys, and I don't get to do any of my stuff. And to me, that says, I resent the situation I'm in, because I can't do what I wanna do. - How are you dealing with that today? - This feeling of resentment that is endlessly in the house that holds back every kind of conversation you try to have. - There's days where I handle it better than I don't. I do get emotional towards it, and I just, I tell him like, if this is not what you wanna do, or where you wanna be, then you can go. - I frequently just not happen. - Once or twice a year. - What boils to that moment? Maybe you shouldn't be this person with a family. - What boils to it? - I'm not gonna lie. I've had those thoughts sometimes. Just because, I mean, look, I'll be honest. I do, I love them more than anything. I do, no, I do. There's no one's gonna stand on that. I mean, I-- - Which is why you've had to specify that you're a stepfather and they're not your kids twice so far on this conversation, but go on. - Well, I just, I do feel trapped sometimes, and maybe that's my fault. - In what way? - Well, just because, kind of the dynamic she's used to, the way that she was raised, she got to be raised with this white picket fence family, and I'm not jealous of them. I love her family. It's great, but then I do wish. I'm like, I wish I could have grown up with that, because maybe I would know how to control the situation more. You know, I'm not the best equipped person for this situation. Sometimes I wonder, I'm like, what does she even see in me? Like, she met me, I was this crazy. I did whatever I wanted, you know, whenever, however, it didn't matter. And I do get to a point where I feel a little trapped. It's like, well, I'm not just gonna leave them, you know, but I'm like, well, I can't do the stuff that I want to do anymore either. But where do I go? It's just, I just kind of clam up and box up at that certain point and just go, where do I go from here? - But you can do it, you want you're an adult. - You know, maybe it's my own battles, but sometimes we don't communicate. I've tried to communicate certain things like, hey, you know, I really want to do this. And you'll be like, well, is that such a good idea or, you know, are you ready after that last project? You know, don't let this happen because, remember, what happened with the last project? No, I'm not saying that, look, you've supported my dreams and stuff. I will not deny that. - Well, I am support your dreams, but I also need you to take a step back and think through these dreams before you start on them because you do get passionate and you do trust you quickly and you get involved in stuff without thinking through every step Thanks. sure it's the right thing. - But sure, but in my most successful days, it was just, hey, I just went for it and I always made it happen, you know? So that's one of those things. I'm like, that's who I used to be. Hey, make money if you're doing it. - But things have changed, the world has changed, so you can't do that anymore. You have to change with it. - Aye. - And you haven't. You're still doing the same thing over and over hoping for success. - Well, I mean, it's out there, you know? I mean, you have seen, you know, they haven't seen this stuff. I've done, I mean, I've made things happen. - Yes, I've seen the things you've done, but that hasn't happened in five years. - That's true. I mean, it's gotten slower over five years. - I know what you're capable of. I've seen it, but it hasn't happened because what you're doing is no longer working and you're not willing to change it. - Not willing to change it. - The, his methods. He's not willing to change the methods in what she does things. - I think that's true. - I don't, I don't think that's true. - Why does she think that's true? - That's what I'm, I'm trying to figure out right now. - You should know you've had the conversations. Why do you think that's true? - I guess because the way that I structure how I do a lot of these things, you know, I'm kind of, maybe I am stuck more in the mid 2000s to 2016 where things functioned a little bit different on trying to get, you know, projects together, especially in the entertainment world. Even in music, I mean, I do music, I do film and act. I've always been in that, you know, my whole life. So I guess, I'm not, I haven't caught up with the more modern world yet. I will say it's tough in the world we live in now with AI with, you know, I mean, they don't, they don't use voice over actors as much as they used to. They don't, they shoot commercials based on, you know, a text-based program instead of actually calling a crew in. I mean, that took a lot away from him. I'm trying to figure out how to adapt to that, but it's changing faster than-- - You're gonna do what you wanna do. That's how you are. - Well, I mean, what do you mean, though, as far as-- - If you don't wanna change the way you're doing things, you're not gonna change the way you're doing things. You're not going to adapt. - Well, but I do wanna adapt. I do, I'm just, I feel just trapped right now. - Well, wanting and doing are two different things. - Yeah, but I mean, you've seen me do, that's the problem, you've seen me-- - I have seen you do, I've said that. I have seen you do. I've seen the results of you doing, but once the world changed, you stopped changing with it, and now it's not working, and you're not willing to see that. - Well, I mean, do you think maybe some of that reason could be for these certain, I guess, boundaries that you've set up? - I haven't set boundaries. I, the only boundary I've given you is-- - Well, how did she set up? Well, yeah, okay, go on. Is the eight years now to make something happen? - Which incredibly reasonable, by the way, 'cause it was five then she gave you grace for COVID, like, what the fuck is that? Like, come on, well, wasn't we shut down for like six months? Pussy, like you have failed in an entrepreneur, you're not an entrepreneur, you're a failure, you're a mall cop, what are you talking about? Go get a job on a little scooter running around the mall, that's all you've done, you'll make more doing that. Quick question. How many pouches are you going through by launch? Two, four, six, do you lose count somewhere between your third coffee and the energy drink you swore was just for the drive? Here's what gets me, healthy people meal prep. They get the gym and they buy the fancy sleep tracker, but they pop something in every 30 minutes that has their heart doing a drum solo at midnight. That's why lately, I've been recommending people use ultra pouches, zero nicotine, zero caffeine, and yeah, your first thought is cool, so what's in it? Long clippings? Ultra works with neuroscientists on these. They use new tropics and adaptogens, infinity Px for smoother energy than caffeine, healthy and mean for calm focus, and alpha GPC for mental processing, plus B6 and B12. You get one to two hours of focus and energy with no crash afterwards. I keep it in right by my desk, and now every employee's desk, and when I get back to work, I sit down, just pop one in, and I lock in. But there's no twitchy paranoid feeling, just clean focus whenever I need it. 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Already a customer, open referrals, create your username, grab your link, and start sharing. Earn up to $1,500 in rewards, and 10 referrals unlock exclusive swag. Finish in the top five, and you're guaranteed a trip to Austin to meet me plus $500 towards your debts. Finish number one, and you'll get all of that plus the $10,000 grand prize. Now to remember, get 20% off the annual plan for $79.99, that is literally less than $7 a month. The launch offer and referral games are only up for a limited time. After that, financial sugar daddy Caleb has gone. Click the link in the description below and get in the game. So what boundaries are you talking about that she did? She gave me the biggest grace card in the world. What boundary are you talking about? - Well, she likes to control everything, whether it's financially or, well, you're a failure so far, but I was, before I mean, before I met her, I've never been in a debt. When I met her, she was the one in debt. I had zero in debt. I will say that's true. - Yeah, I've never been in debt. - Why are you the one to manage the household finances? Are you managing the household finances? He suggests so. - Yes, I am the one managing the household finances. - Okay, that makes no sense. If you were the one in debt, he's the one that's never been in debt. What the fuck are you managing it? What track record do you have? - Well, I do have a control issue, and that's because I did trust people in my past and it would be financially. - This is your guy now. Your past, I don't care about your past. Go to therapy. - I've had you. - I give a shit. - I have a bankruptcy because of other people in my past. - Why are you putting the burden on him? The burden of your past. That's a fair. Why take this relationship? Because your other relationship sucked. - Well, it's not that I control a whole relationship as I control the finances. - How are the finances managing that? - I'm the one that handles everything. - Okay, how does he spend money at all? - He has no loans. - Oh my, you pathetic bitch. - Do you not stand up for yourself? - Oh, I do, that's why I- - Oh, clearly I was a dumb shit. You have an allowance. - An allowance of 30- - That's what she thinks. - That's what she thinks. - But she gives an allowance to- - Tell me. - No, I do my side work and I get my own stashes here and there. I'm not gonna give them all. I put towards the bills and once I put towards the bills, yeah, I put cash aside here and there that I know, hey, if I want to do something, I'd go do something. - So it's not an allowance? - The allowance that I'm talking about is my paycheck covers all the household bills and I also put some away in savings. When he has his jobs, he can keep a certain percent of it and it depends on how much he makes it, how much he gets to keep. So he can use that as what we call walking money. That way he can buy his drinks at the gas station, his nicotine, stuff like that. Because what was it last year or the year before? I took a look at how much he was spending at the gas station on nicotine and drinks and I'm like, I'm not supporting this habit anymore. We could be doing so much more with this money. I'm not putting my hard earned money towards your habits any longer. So if you want this stuff, you have to pay for it, which means you need to work and make it happen. - Okay, it's not insanely unfair, especially if we're putting like the kids should be our top priority, right? And you don't really contribute to the house? - No, I contribute. - How do you contribute? - I mean, I give like, was it 75% of anything I bring in? I do give to her. We have better months sometimes. I mean, we can go back to what was it in 2022? I mean, it was me that if it wasn't for me, I brought in more than she would have been that year. I mean, I paid for everything in the household while she was off trying to run her dream. I fully supported that. I buckled down, I paid every single bill. And yeah, it was fine. I stepped up when I needed to. I went outside of the agreement and did what I needed to, 100%. I mean, there's no way you can deny that. - No, I can't deny that. But then I went back into the workforce and that stopped. - Well, no, you went back into the workforce and I went back to doing the films and then I actually had that extremely successful film, which unfortunately got shut down. That was right around the COVID time. They were trying to charge me $40,000 for COVID officers, whatever that meant. And that was our entire budget. So, you know, it's a little bit out of, I mean, you were a part of that project. So you used to have that project. - And again, that goes back to you can make things happen. - And I have and I want to continue to. - You no longer are. - I know, I hear you guys. But the thing is, - Yes, in the end, you have to just step up and be a father 'cause you're a father regardless of how you call yourself and call them, you gotta. That's it. If you ever looped her into a business, you ever brought her with you on a journey on one of your endless journeys 'cause you're certainly like pulling down the household, right? In terms of, just fight what you say, you don't contribute. So you ever looped you into anything? - No, the only project business that I've been a part of was one of his film projects. I was, I assisted with the food and schedule on that and then on top of that, the only thing I've done outside of that is we did own a business together. - And she got it. - Isn't it what it just (beep) fast? - Well yeah, it wasn't his idea. - Did you own a business? - I own a business. - And then he came into that? - Yeah. - This came into it. So I'm gonna fill up every business he's ever had. - Oh great. - Well that's probably why you didn't tell me that's your job today 'cause he got involved. What was your business? - It started out as a restaurant and then we eventually that came, that transformed it to a coffee shop. - You had a whole restaurant and coffee shop? - Yes. - What happened? - So a friend of mine approached me in 2019 about buying her restaurant. - Oh, that's a great time to buy a restaurant. - Well, we thought so. - We thought so. - We didn't have no. - And then, you know, a couple months later, March of 2020. - Did you buy the restaurant for? - It was 60 or 65,000 that we bought it for. - What the (beep) Okay. - It was in a small town. - Not to bad, that's like nothing. - Yeah, it was only doing 37 to 4100 dollars a week, but it was enough to sustain us. - Not in profits, right? - Not profits, but salary. Like I couldn't have kept up with my salary. - Okay, you know, all on it's still. - No. - Okay, then I don't really care. So he didn't even throw up. - No, it was quite the opposite. - I mean, we could have continued with it. Maybe I had to go back into the workforce February 2022 because our finances were not great between the business and our personal household. - So I would've sat in him that time. - She's missing a stack here. - I can't say that was long, entirely. - What's up? - No, okay, so yeah, things were failing. It was during COVID, it was all getting stopped. Okay, I feel bad. I'm like, this is her dream. Look, I was actually doing pretty successful at the time because I had to maintain all the household builds. I was out there, I was hustling everyday, voiceovers, music, drumming, everything. The next thing I know is I'm like a fry cook or making grilled cheese and taking orders at this restaurant and this, you know, suburb of St. Louis. No, and it turned in from one day a week to two days a week to, oh, you basically managed this whole restaurant. I don't know anything about a restaurant. I don't know anything. I can't just say that you were the business guy. You could have done anything behind the scene. Like when it comes to, you know, not doing work, or making things, no, when it comes to, you know, getting together. - What do you think? What the fuck does that mean? Contracts, getting the ideas together. Oh, the ideas. - I'm an idea, man. I thrive on enthusiasm. I don't take the way out of my sales. - Yeah, I get them together, you know. I've consulted with people. It's like, look, I can help other people do stuff. - No, baby, I can't do shit yourself. What do you mean? What are you talking about? - Well, you can have a few shit. - Well, I did it at a restaurant. I mean, you know, I'm working there a couple of days a week. - Probably not. It failed. - Well, not because of me. I mean, I was just a cook there. I had no idea. She didn't want me messing around with the end voices, the employees, any of that stuff. - Why would you say I failed? - Probably because we didn't get out of the first contract. - Multiple reasons. The time that we bought it was not great because of COVID and towards the end there. Yes, he was working there full time. I was not and that's not his dream. That's not what he wanted to do. So he would close early on days or not open it all on days when we would say that we were open. So that affected our customer base as well. - Well, that wasn't the first one though. That was like when we were doing-- - So that was the top eight shot. - Yeah, I mean, that was I'm still talking about the first one that I was roped into to be whatever I was doing there. - Yeah, but at the end of all of it. - Going back, going back to where this started, the allowance thing. Why do you feel that's the best way to treat your husband? - Because I don't feel like he is very responsible with money. 'Cause when he does that-- - You're the one in debt. - Yes, but I keep my debt on your control and I don't buy unnecessary things. - How do you keep your debt under control? What do you mean? - I pay on it. - Okay, a minimum payment when you're still put money on it does not keep it under control. Dude was never in debt his entire life. - Lottery tickets necessary things. - Is buying stuff at T-Rex necessary? - I would rather always get something else now. - It's in drinks at the gas station necessary? - No, of course not. But what's T-Rex? - It's like a big bin store. You can pay by stuff for Amazon. - Well, he's buying stuff and not lottery tickets. That's what I say. - Buying stuff that sits in my garage because he's gonna sell it. - You shouldn't do either. Let's be clear. But we're gambling what we have to, what are the fuck are we doing? You have children. What are the ages of the kids? I didn't even get that. - 12 and 14. - Okay. See, and then are you guys gonna have any more? - No. We had thought about it at one point, but we decided. - We just said no. I mean, you've basically, except you had an agreement of taking on another child. - Yes. - But we got married. - We did. - And we were decided that it wasn't for us. - You giving him allowance like a child. - Because I don't feel like he spends money responsible like. - Yeah, but that makes sense. Why you guys gonna have another one? - It's in our garage and does nothing. - Okay, so why didn't you guys have another kid? - That was actually my main reason was I said, let's get financially set before we do that, but her whole thing was, well, I don't wanna have a kid after 30, or was it like, 32 maybe at the time? - At the time, or at first it was 30, and I'm like, okay, let's go. - Wait, you're exactly 32. - You're exact words where it shouldn't, you shouldn't wait to get financially responsible for having a kid that's not how it works. - Because you'll never be financially ready to have a kid. I will still on, I'll stand 10 if it's down. - Yeah, but having a housing. - You will never be financially ready to have a kid. - Yeah, but his or her kid. - House, two cars, all that if we had all that. - We had a car. - Yeah, you can have a kid. - We had a car. - Yeah, had. - What happened? - The coffee shop. That's what happened. - Took it all. - We took, in order to open the coffee shop, we took out a loan on the equity of my house. And we sold the house to pay back that loan. - Okay. - Yeah. - So I mean, you still lost something even if you don't all wanted today. - Yeah, I mean, it's worse than the loss. - Okay, yeah, but then we're paying $2,000 a month in rent when the house payment was $600. - Claw resentment. - From him, I'm not being able to live his dream and having to take care of the kids and all that good stuff. Do you feel like she has resentment over you with this coffee shop debacle and losing the house and the car and everything like that? - We didn't lose the car. - 'Cause house. - Oh, much bigger. - If she did have resentment, I would be pretty offended by that because I mean, I did do everything. - You're saying no, she doesn't. I don't think she does. - Do you? - I don't have a resentment over that. People make stupid decisions. We made that stupid decision. - We were lucky enough that we don't have to. - So you take it as a group. - On that one, yes. - Come. Now, what are we staying today? 'Cause again, his agreement with you is coming to an end. - Now we got six months. - So what now? - We're more like four months. - So what now? - He has four months to figure it out. - And then why? - He has to go work in a job. - What are you gonna do? - What am I gonna do? - Like he agreed to that, but what if he doesn't, then what? - Then that's gonna be a different conversation. - What does that conversation lead to? - A conversation that we have not had. - This is a realistic thing to consider because guess what? This is his fashion. This is what he's been doing since forever. In four months, there's a reasonable assumption that he might not go and get the job. What's that conversation? - Conversation could have ultimatums in 'em. - Go on. - This is an actual thing to think about. 'Cause this is literally right around the corner. It is reasonable. And then if he chooses not to get a job, we're gonna have to have a real discussion about our picture. - Yeah, go on. - Yeah. - A real conversation. - Hey, let's have a discussion. - Because I do eventually wanna retire. I don't wanna live. - Yeah, you're almost to my life. So if he's not gonna help me financially reach those goals, then we're gonna have to. - Oh, have a conversation. - Have a conversation. - Conversation, give some ultimatums. Let 'em know what's coming around the corner woman. - If. - What? - You don't have something going on in four months, you're gonna have to get a job. - You're McDonald's, what are you, I mean what? I'm not gonna go get a job. - If he doesn't get a job, then what? - It doesn't matter what job that you get, but if it doesn't happen, then things will have to change in ways that you're not gonna like. - Well done, buddy. - You're gonna leave me. - No, actually, she literally just answered the question. She's never gonna do anything. You can do whatever you want. She'll roll over. She doesn't give a shit. - No, I care, and I won't roll over. - What are you doing? - Because I have four minutes of me trying to get you to literally say what might happen in four months. Reasonably might happen. If I didn't think there was a chance, he wouldn't get a job, then we wouldn't even talk about it. But there's a good chance, he is not gonna get a job. This is a reasonable thing to think about right now. Now, tell me, tell them if a job doesn't happen, then yes, I would have to move on. Because I have goals in life that I want to reach and if you're not willing to help me, meet those goals, then we'll never be on the same page about anything. You have to look to, I've always, I've always made it work in my life. I've never had the nine to five. I know. And I want it to, you know, that's not a lazy thing. I've never just sat on the couch and be like, I'm not getting a job. I'm going to play video games. I've never been that guy. And you know, I've never been that guy. I don't, when have you seen me sit around play video games, except for maybe once or one of new things comes out for what two days or something out of six years, the thing is I've always sustained myself. I mean, I've, I've made large amounts of money, you know, but before I met you and I know I'm not making it now yourself. You haven't sustained a family for more than a couple of months. Right. And that was the agreement. Figure out how to help me sustain us for years. So we can eventually retire and do what we want to do. Right now, you're not even doing what we need to do. You're doing what you want to do. Now what we want to do, what you want to do. I've always done what I want to do. I know. And that's the problem. You've always done what you want to do. Who cares about consequences or how it makes anybody else feel or that's where the, okay, that's where that trap comes in because always doing what I want to do. I want to do things my way sometimes. And I really feel like though, if I do things my way that I always have done them since I've been literally 14, 15 years old, that doesn't work for you either because you know, oh well, you'll be gone here or this or that or the other. I just, I feel like that I'm still trapped or I, you say that I can do whatever I want. But at the end of the day, I, I, I can do what you want to do already. You just won't put that attitude towards doing what you need to do to make things happen. So we can work together on a financial level. I mean, I made it happen before. I don't see why it happened. So why having you made it happen in years now? What's this track record with jobs when he gets jobs? Not great. This is not great. The few normal jobs he had. That wasn't one and it put me in the hospital. I work and I made number one at the company in two months and two months. Okay, well, go get another job that's not time-shared. That's all that. He was in sales and yes, I've always told him in the hospital. He could do great at sales and in the town that we, yeah, he was an entrepreneur. You can convince anyone into anything. Exactly. He can convince anything and anybody into anything. He can make money when he wants to make money. So I've always told him he'd be a great salesman and go into sales. He chose time-share sales. I've been involved in time-share. I told him he would absolutely hate it because it's very deceptive. Guess what? I was right. He lasted all of two months and then he was over it and yes, he ended up in the hospital with a medical condition from the stress of it all. Okay, dude, go put fries in the back. Do that. Just can trip you. But in four months, what are you going to do? It comes down to it. Are you seriously just not willing to just go get a **** down? We're in an office. You make cold calls. Like, you don't have to sell time-chairs. There's other opportunities. There is, but I mean, looking at, you know, okay, the fries in the bag thing, I mean, I do make more with my contracts than that. I mean, I. $600 average. Well, that's just off of the security. I mean, I play drums for different places as well. Okay, what does he bring in a total average on a multi-basis? Manager of the house. On the high end, I'd say it's $900 a month. I'm not sure. That's pathetic. $12 to $500 to put the fries in the back. She told me. Now, she's been in our whole deal. She told me that all I need to do, and she set the bar. She said, all I need from you, like, 500, if you only bring in 500 a month, we'll be perfect. That's her. Payment on the house. Not for bills. That if you only, all you have to do is work on your jobs, do whatever you want. It takes you 10 years to build up your major film. If you can just bring home 500 a month, you agree to that. That's her work. That was no. That was not the contract. Story out at five years. I gave you something. No, we call it the contract. No, it was a verbal agreement. And it started off with five years. I extended it three years because yes, you let for two and a half years, you let me do my dream. What does this minimum $500,000 month of you? It brings it $500,000. Now, we could put into savings, not contribute towards bills or anything. What's the disagreement here? The disagreement comes from he doesn't actually do it on a consistent basis. Yeah, maybe $500, one month, or $1,000, and other. But then there's been plenty and not plenty of months where it's just enough for him to have his allowance or his walking money. What's his allowance? It depends on how much he makes. Like, if he goes makes $100 that night on a security job, he'll give me 50 to 75 of it. Yeah, look, at the end of the day, I'm not going into fast food. I don't mean it like that. We need our fast food workers. But, you know, I've worked hard to not go into debt to pay for a degree, which has done nothing for me. But the end of the day, I mean, this security company, I've built it up. I'm trusted by the local, by, I mean, by our whole county. You know, I'm the one that they call in for search and rescue. I'm the one that they call in when they need a drone guy. So I'm not just a small cop, you know, you do that for free. Yeah, it's helping. But, well, you know, I, you haven't turned it into a paying gig, consistent paying gig. I did have a really good weekly contract. Yes, that their restaurant shut down, their whole club shut down. That was a major hit. I mean, things were more, it was, it was like 1200 to 1500 just on that one a month. And then that's all you had. And then it was, that's all I had. Well, then I, you know, I had the drumming job with the, with the church. I mean, that was all you had with the drumming. Now it's gone. Yeah. Now all that is gone. So once you got one contract, you, it's like you just stopped looking for other ways to fill it in. I mean, it's just that at the end of the day with the way, do I need to buckle down? Yes. I will agree with that. I absolutely do. I've absolutely slacked off. I, there's not denying that. But I'm not going to go work a nine to five when I know I've got you refuse. I'm refusing only because what I've made in my life, I've, I've never needed to do that. I mean, I've made, I've, I've made a lot. And then I'm not doing it now. I understand that. I understand how that looks. Well, you're not faking it now. And I want to get that back though more than anything. I want to, I want to prove to her to everyone. Hey, I'm going to get that back. I don't know what's happened with me in that time. It's kind of my cross the bear right now, but I'm, I'm going to bring that back. And I mean, I, what, what do I tell you? I've said, hey, every time I've told you, don't worry about something. I mean, then you worried, well, I was right and ended up being okay. Right. For things that you've wanted. Well, no, I mean, for things you wanted to like, hey, we need to go, we, I need a vacation before I die. We don't have the money. You know what? My wife and the kids, they need a vacation. I could give a shit if I go on a vacation, but you know what? Let's make it happen. Hustle, hustle, hustle, boom. Yes, again, with things you've wanted. Yeah, has it, have I benefited from it? Yes, I have. The vacation of Colorado and stuff like that, but we both want a house. Right. I mean, saving for a down payment for a year now. I can tell we're right now. I've, it has a yard and I'm not content. It's a great place. It's a great place. Guys, okay. Me. Here's something I hate seeing people do. Buying crappy clothes that they have to replace all the time. Let's say you buy a $12 t shirt, buy wash number four, it shrunk, piled, and the color looks like a lasagna noodle. So you buy another one, then another. And by Christmas, if spent 60 bucks on shirts, you wouldn't wear on a midnight 7/11 run. 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Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz you may be entitled to a potential recovery of over $1,000. What possible future is there if we're being honest? If you guys don't even agree on the basics, let's just be real. We're picking on about very important things but very basic things. About being satisfied where you are, what you want to do for a career, your goals, what you need him to do. Even just something as simple as you want to move to where the industries are, and she has her kids in high school, middle school, middle school, and soon to be high school. I have one in high school. There you go. And she has her career there and it's a good career. It is. Like what the fuck, guys? What future is there possibly? That's what concerns me. What do you feel like you guys deviated when in your relationship that it just split? Because clearly you guys are not aligned. We shouldn't really get married with someone we're not aligned with. So we must have come post marriage. I want to assume you guys aren't married answering some questions kind of, but like the coffee shot. Yeah. So that was the start of the mess. Yeah. That was three and a half years in, and we didn't allow it to start after the coffee shop? Yes. See, it wasn't his fault. Why hold him to an allowance like a child? Because he started spending outrageous amount at the coffee shop. Yes. Because he was giving himself his own allowance at the time before the coffee shop to spend on gas station runs and whatever else he wanted. I wasn't seeing that until he no longer had his own income. And you just went along with that. You didn't have a pushback. You know, I-- If you're good with that, then be good with that. You know, I-- But you said you're not. You said earlier, you weren't, dude. To an extent, I was good with it. I'm not anymore. I guess I'm not anymore, but again, I got to this point to where I just-- I feel stuck. I don't know. I just don't know what the fuck you mean. I don't know where to go. You can't say I feel stuck with four months left of what you agreed on. She gave you years of grace. So the reality is, here's the thing. Maybe you would be right to push back on the allowance if you actually contributed to the household. But the thing is, you're always chasing the next big idea. They all fail. No shit. She resents you for that. No shit. She doesn't trust you for that. Show some actual responsibilities. Show that you're able to contribute. Show that you're on a path of responsibility of being an adult, and maybe she wouldn't have to treat you like a child. Guys, what do you think your financial score is 0 to 10? You're being the worst 10 being the best. You're going to get a lot of money. One read that I do kind of have here is that, especially as we're going into this. And this first credit card is hers. But the goals of the house and everything, she says her goals. But her goals are for the household. For you guys is a couple. For the kids. For retirement. For everything like that. Where your goals are. Me, me, me, me, me, me. I wouldn't say that. You being successful in this. This is this. Where her goals are for y'all, your goals are for you. For me in a way that I want to make what I'm doing successful, yes. But at the end of the day, you ought to be successful in what you want to do. Yes. You could be successful in a lot of things that contribute to the household. But you only want to put in the work of what you want to do. I'll agree to that part. Selfish. Be a man. Be a father. Be a partner. Contribute. Step up. Get a job. Get qualifications. Contribute. You'll do anything, right? To pay for the house. You want a hospitality. No, you won't do business. Because I have kids that need to be taken care of. Exactly. I could see you going all the way to assistant manager and McDonald's if you worked hard enough. Higher than that. I don't know. Yeah, that's, I mean, that's just, I'm, you, but you could get another job. It doesn't have to be happy. He's not stupid. He can do a lot. Well, I don't know. And he's not very smart of business. He's literally never been successful once in his life. I know. You made a student film. No, no, no. It was a lot more than that. I mean, no one's ever had sag after in our area. I brought, I'm the one that helped the Missouri tax incentives come in. I mean, that was, I was like the front line on that. It's doing great for everyone else, apparently. It didn't do well for me. No, I got some, some returns on that from the losses on the film. And that's actually contribute for the household on a sustainable basis. No, no, no, no. One time thing here, and it wasn't even a big thing to be able to stretch out of the months. Yeah. So I got a USA card from you. What's going on? That card was open recently and. This is recent? Yeah. Okay. So in our reverse card, maybe he should be the one managing the finances. He can't run a business, but he wouldn't go. He wouldn't open a credit card. You make good money. Even if he doesn't contribute, you do okay for the household in the area. Why the f**k are you opening this recently, asshole? I need something to help build my credit. Okay. Well, you're certainly the f**k today because now you have a max out damn credit card. Like, what the f**k are we doing here? I mainly use it. And this is a crewing. That's not a, I'm just building my credit. That's not it. I'm just building my credit. You don't interest the crew out and I'm just building my credit credit card. I mainly use that for groceries. Congratulations. You don't pay it all the way off. An interest is a crewing. So go f**k yourself. You put immediately on it. No, you put more on it than you put your payment while an interest is a crewing. I don't care if it's for groceries. I don't care if it's for getting dicked down. It's nothing. It doesn't matter. You're f**king it up. So what does that have to do with anything? Congratulations. You use it for groceries. You want a stamp? You want an award? You want a sticker? You want a trophy? Can I have one? No, you're f**king up the entire house. You say you have retirement goals. This pushes you further and further away from your retirement goals. Make this make sense. What's your logic here? When did you open this? You said recently. I believe it was May. Yeah, it was that recent. It's for May. It's all groceries. Yeah. Well, you're spending $1,584 a month. I used it for two other balances to that one. Congratulations. You're spending $1,984. She's spent that much on groceries for the four. No, there's other things. That is being bad. Mother. It's all groceries. I used it on groceries. It's all groceries. It takes 19 years to pay off. You definitely won't be retired by there. So let's see all the groceries. By the way, as you can see, top down cam, it's all bullshit. Bullshit. Bullshit. Maybe groceries. Definitely bullshit. Some kind of restaurant there. Probably bullshit. Maybe groceries. Wingstop. Wingstop groceries. Wingstop groceries. No, no. That's interesting. Is that what you get you milk from? I didn't need that wingstop. No, that was when I had to take to the doctor. I used that car to get us lunch. So we went to wingstop. That's what you had to go to the doctor. She can f*** off and eat the hospital food. She can get the jello. She can go home. You got wingstop at home. It's called Tyson. F*** your chicken strips. That's, I always say that too. I'm always like, hey, why are you guys stopping and getting that? Just like they have shit there. So you push back on this. I do. How does that conversation go? Tell me. We're going to stop and get wingstop. That's like 60 bucks for the two of you. Well, yeah, but it's just the easiest thing and our kid wants it. Okay, but we have food at home and there's food at the place you were just at. But she was hungry. Yeah, well, but she was hungry. I'm not going to let my kid go hungry. That's it. Do you want anything? No, I'll eat the food. That's at the f*** in the refrigerator. That's, I mean, that's what I say. I'm just like, well, do what you're going to do. And I'm going to do what you're going to do. So you're passive about it. I am. So you're not going to hold her accountable. And I'm going to do anything. So you don't care. No, I care. But then I look at the plate. So we make it work. Do we look? You guys are here. It's not working. No, you don't. Objectively no. Or you wouldn't be here. You can't say you make it work. Why the f*** are you spending money going out to eat? Consoling. Getting bullshit every other day at a minimum. Putting money on a credit card that you cannot pay off. That you spend more money on than you put towards it. That has accruing interest and takes 18 years to pay off. Why are you doing that when you said your big focus is to retirement? You have goals? Goals? What goals do you have? Goals? Are these go to your goals? Goals? Yeah, I have goals. I want to buy a house. Why is my house, but you spend more on a credit card? But it's sometimes more convenient to go out to eat. Sure. There's convenience and then there's only a house. Which one do you want? Both. Congratulations. That's not going to happen. I like convenience. So choose. You like convenience. You like it more than buying a house. You like it more than retirement. No, I like it more. Well, you are actively choosing it and your day-to-day when you are able to make a choice. I mean, yes, that's true. But when you're raising two kids and working 15 hours in a week sometimes convenience is worth it 50 Yeah, no, it's not worth it though when it puts off your goals You know why you're working 15 50 hours a week because you have to pay for all your Convenience You're spending more money because you're tired because you're working hard But you have to work hard because you're spending all your money. It's an endless loop that you're never gonna get out of 2,000 hours that you put towards that 2,000 hours that you spent on this credit card when you make 5,200 hours 5,200 hours. What is that? The month like a week and a half? We can have 3,000 kind of you're putting all your money towards your credit cards of where you're spending this so your minimum bills are paid on your Checking account sure but all your spending is just going towards ballooning your credit cards You're just pushing your money in a different area is still spending more than you make so you can't say that I pay my bills when you want to buy a house but you're not buying a house when you buy a house I have money and savings for the house. When you buy in a house. I would like to have a house by March Okay, no I mean no way your credit card is going up up up up up up up up savings is $1,300. You're not buying a house Go for yourself buying a house by March. What are your thoughts on this? The savings makes no sense to me because I mean we We had a lot more in there and I don't know Where that went to because I was contributing to a lot of the savings to that. I mean, I was I'm so our rents low It's great right now. I am I mean, I take care that I give her the money that covers that I thought we had like $6,000 in our savings and all the sudden I'm looking at it too and I'm like, why is there? There's like $1,200. Oh, well, we we had this and we had this and we had that and I wanted to pay this off Yeah, you're not getting a house march I'm sure the median home price there is a little cheaper. What is it the 250? Yeah, yeah, okay. See beautiful wonderful Very good. No, you know, got 50,000 hours saved up What are you talking about house by March? March, you know, he's secretly told us Behind your back that is thinking of getting a loan from a like pay loan shark place That's the conversation we're in for the for the down payment. I don't know for what he's the savings Why are you going to a loan shark for how? Yeah, that's all right. No, so One of the business I worked on there was I I can't be specific on the guys, but one of the guys he's he's from a place where things are a little Different we'll leave it at that. It was a bad business deal Well, he ended up getting out of his bad business deal with a ton of money From this other guy and he told me hey, you know, I think about this. No, no This is as specific as you can be no, no, I'll get more specific. So please you know, I'm talking about it It was an owner of a certain gym that wrote in a motorcycle club You definitely don't do not like this guy. He recommended me to a guy I don't like him and he he's a narcissist and he can't be trusted Okay, he owned a gym and it's been burned twice Like he has ran it into the ground twice one time It was actually set on fire. So we won't get in there. I didn't know anything about that I don't want to know. No, he he recommended me to one of his guys a guy that knows a guy that knows a guy And I mean, I I actually considered it. I mean, I met up with this guy and he told me he's like I can give you 25,000 That's where I kind of backed out because look I I come from a life way back in the past where things are a little gray area too What you sold drugs That just I was talking about I was just in more the when I was younger gambling things that are gray area You know leave it at that and this guy he said, you know, 20,000 25,000 basically whatever I needed you know up to a certain amount And I asked what the payments were and it was like 3% after a couple months But it was 3% weekly on top of this principal payments so they call it the big, you know and I mean by the time I was looking at it You know I would be paying back maybe like 28,000 on a 25,000 loan That's way better than any banks going to give I mean the banks not gonna give me anything But then I'm going to use this for our down payment. It was a plan I I had it in my mind. I'm like I could come home and just drop this down never tell her a thing about it But it don't have to pay back Well alone circle you right right well down payment we'd have to pay the bank back like That we're using the down payment for right that lowers the amount. It was a thought it wasn't it wasn't something that You know obviously I didn't go through with it I talked to this guy because then I started thinking I mean I did ask him I said what happens if I don't pay you and his exact words you looked at me in the eye and he said pay me And that's all he said and I was like no, I don't know if I shouldn't Considering it because you know that world you know the consequences. So why were you even considering it? You know I didn't tell me I just I've had a weird a weird moment. I don't know a man the past year has just been oh shot No, seriously, it's been a total just it's it's been different for me everything just kind of failed like you said everything I'm not I'm not used to failure. No, but I'm not you're not you have nothing to show for anything You're a failure a whole life. No, no, that's absolutely okay. Then where's anything? No now? Yeah, I have nothing now That means nothing that I have nothing if you are a success at one point there'd be something to show for I mean I just I want a Property in another country that I have no access to if that how what does that mean? I could buy a lot of land in South America for four pennies And you what are you talking about? No, I condo. I have no access to it does very good. You bought one of the timeshairs you were selling Proud of you. So was it a timeshare? No. Oh, you didn't respond. I was very scared What the fuck is your successful thing? You've done well I was a very very successful musician and at the age of nine even so everyone knows your name At one point I I started growing. I mean I did start I was I was getting up there so I'd know your music If you looked at some stuff I've done a lot of session work for some pretty pretty big groups biggest Well, I did play I played with Vince Gill I played with Tim McGraw on a couple things We know Tim August Burns red I I worked on I just did a few drum tracks with August Burns. This is also stuff that Brent Davey would say he did You'd say that everyone would know him the story gusting financial. Oh, okay I mean, but no, I got paid well for this session work. I mean I was in the grand old operate like age nine I I worked anything past the age of yeah, I went on to cruise ships. I mean I I well first of all here We go at least I can speak of this because I did music school cruise ships is where everyone goes who can't make it on the mainland I would disagree with that heavily I wouldn't because I was in that world that is where people go to pay their bills because they can't make it on I wasn't the Filipino bands though So I was the guest entertainer band. We did the big I so I know people that make careers off of it like I personally know it I went to school with them. I get it. I know you can make a living off of it Yeah, it was his career for four years and he made great money at it You can't make good money and it's what people do who can't make a good career on the mainland well It was when Nashville some of the sessions started tanking because I was in Nashville at the time and they just they weren't paying as well as they did So I ended up going on a ship doing this bullshit McDonald's going in and getting some bullshit probably groceries probably bullshit probably groceries definitely T.J. Maxx Freddy's in Ross story from the kids T.J. Maxx, okay great. She got one out of like 30 bullshit purchases she did on her credit card That's not all groceries. You said it was all groceries It doesn't matter if you're going out to eat you can't just say oh, it's my kids and it's okay when you're racking your debt up You're draining your savings down Not getting a house in Maine. You know the conversation we're having now a conversation where he talked to a Loan shark that's the conversation we're having you're talking about getting a house in Maine No, you have a thousand dollars in your savings. Thank you savings are going down credit card debt is going up What the fuck you on about You're delusional. You're not getting a house and if you do you're gonna put yourself in a worse position than you're in now I don't want the house. There are a lot of things. I don't get it if it's dumb stop More on okay, here's a credit one quicks over who's Probably mine, okay. Okay. Well, what's going on with it? The balance that we have on that is for his therapy appointments Okay, that was it gonna be like last time where he said it's car stories and then it's like 95% not groceries No, there might be one other charge on there from recently and that wasn't supposed to go on there But the last two charges should be his therapy appointments. Well, you probably need a lot of it Also one did yep, there's a counseling service, but then the rest was like I think Car insurance then getting some bullshit. Yes, the car insurance is okay. So my car shut the fuck up Let me speak three or four purchases. We're not therapy No, the car insurance yes because my car insurance did not accept discovery doesn't matter to me You are putting everything even therapy is good. I recommend therapy. I advocate for therapy I give therapy. You're putting it on a credit card. Your credit cards are going up Or savings are going down You're over budgeted everywhere. You're spending money on bullshit. It doesn't work But it's for good things but on a bad card It's for mental health of for my kids like those things are important to me I want to make sure they're covered. So honestly, I mean, I do think you should get a job But the reason you're gonna have to get a job is to pay for all her misbehavior Her inability inability to budget She's gonna use your money for the down payment because she can't manage her really good salary for the area Yeah, so that's it. You want to use them for a money. - I've told him, I want him to work to contribute to the down payment. - Yeah, but they contribute as all of it because you spend all of your money on bullshit. - My government is a secret that my salary only covers the budget. - But it doesn't only cover the budget. It would cover the budget and more. You spend it all on bullshit. You can't say it only covers the budget. It doesn't cover the budget. You don't know what you're talking about. You don't know what you're saying. I mean, bullshit at a minimum was like $800. Yes, but you spend more on them than you put towards them. So that doesn't matter. Your logic is broken. You spend a minimum $800 on bullshit. It was closer to probably 1,500 on bullshit. Okay. - Some months, yes. - The month I have, more on. Guys, you've known me since the beginning. And the fact is, I just love building products that help people and we're continuing to do that with the Caleb Hammer Financial Services. Listen, now you got personal loans that you can get the best rates on forever. You want to use it for whether it's consolidation after you change your behavior or you need a purchase something that gets a good return on investment. And now we got credit building as well. You can shop for the best credit builders that are either free or low cost to you and build that credit. We got debt forgiveness and debt consolidation as well. We got auto loans for your new card that are great rates or you can refinance a horrible auto loan today. And I don't know only that. Now you can shop for the best car insurance out there. 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Every month? - Every month? - Every month's a little different, doesn't matter. That's what you spend while you're begging him to get a job. He should get a job for multiple reasons, but he shouldn't have to get a job to deal with your bullshit because you have no ability to manage your money. That is the one reason he shouldn't get a job, okay? There's a thousand reasons he should, but that's not it. $25 minimum there. Home Depot, who knows? But I'll tell you what, there's been fees and shit, which is late payments. I mean, she's not even on time on paying her minimums. So you say you always make your payments? You not on time. She's late. - Not on purpose. - Oh, great. Oh, you're excused. What do you want from me? - Well, I'm not intentionally missing the payments 'cause I can't tell you anything. - She's late twice on the previous card too. So as she goes to you, she controls you. She owns you and you're all cucked about it. But then she's late on everything. How does that make you feel? What does that make you think? - Everything, I was late on one thing. - Two? - Two things, sorry. - We've talked about two. And you're late on both of them. One of them, multiple. - I brought it up. - Shut the fuck up, you dumb cuck. - I brought it up before. I've said, when I see the alerts pop up, I'm like, why is that late? Why is that late? Why is that, because you're controlling the finance? - Because I'm not. - Yeah, but I mean, but you are in control of this. And I'm the one like backing off saying, well, okay, you're in control, I'll do this. That's fine. I contribute this because we already have this saved and that's going to be paid off. And then, yeah, and it's late, late, later. Well, let's pay off dental bills right now. Let's pay the full amount off for, I don't know. Whatever ends up happening. I don't, I don't know where anything goes to. - It is a plea because I'm focused on so many other things. - I don't see where anything goes to though. - You have access to all of this. - Yeah, and I look at it and I'm going, what the fuck? - And you want to talk to me about it? - If you have a problem, talk about it. - I've asked several times to say, hey, I want to be more involved in this. I want to be more involved in this. - And then, what does she do? - Yeah, we'll talk about it. You can be more involved. - Why would I literally have text messages that tell you, I paid this this week, I paid this this week, and this is how much went into savings. - Well, what are you asking for? - I'm just wanting to know where everything goes to, whether it's a dentist or therapy or kids or this. I just want to know where everything goes. - Hey, why don't you guys have a joint budget to deal with like, dollarwise or something and sit down with it on a weekly basis? What about, she's supposed to report every purchase that happens. That doesn't make any sense. That does not a way to manage. It's also not, it's a horrible expectation to put on someone. Why should she have to think about reporting to you? Like, she's your child all of a sudden. Like, what are you talking about? I thought you meant, like, including you, like, sit down and talk about the budget. Talk about the housing finance. - No, that's what I mean, absolutely. I want to-- - No, he said you want to report every purchase. - No, I can see those, but I wanted to sit down and talk how we can make things work better. - And you've said that like, once? - It's been more than once. - And I tell you, I have text messages where I have told you. I'm not consistent on it. On what I have done with the money that we-- - Okay, now here's the thing. He has, in collections, $1,000, $5 from First From Air and for Tiva for $605. This is the interesting thing to me. And how we know your communication is absolutely-- What's up? When you guys are having the onboarding call with Lindsay and everything like that, and we're talking about the debt, he immediately jumps in and says, "Oh, it's fraudulent." It was all that when you were there. It was fraudulent. It was open fraudulently. - I remember that. - And then he sends a secret text immediately. The next morning, which is today, here's the text I already did a lot. Also, I remember those credit cards. And honestly, I just forgot to pay them. I got them. I lost a contact I had. I was so depressed about it that for Tiva card with $1,000 pounds on it. Why is he lying about it in front of you? Why are you lying? - No, it's okay. I was, he says, there were dark times. - Bubble, bubble, blah. - Please explain to me. - Yes. - All that aside, the dark time aside. - Wait, this is crazy. Hold on, I didn't even read this. Told my wife I was going to work out of town for a weekend and just stayed in a hotel alone for three days. - What is that? - What are we doing in a hotel alone? Hold on, hold on, hold on, hold on. I love her so much and would never cheat. Never have even considered it. But I hide away sometimes. I don't believe you would. - No, that's absolutely true. - I was just getting to the hotel by myself. - In the lies about it. - She can back me up on that. I've done it before multiple times. - One time that I knew of. And now I'm finding out more. So please do explain. - So I, the credit cards I had no intention on using. They were sent to me. I left them dormant. - You told her in front of her the other day that they're open to fraudulently. You were hoping them to go hide from her. - Yes. - Alone. - And I forgot about them. I mean, I put them away. I don't know that's probably the worst. I've never had credit cards in my life. And then finally I opened these. No, it was alone. I went out. - Why'd you lie to her? - Yesterday. - I was just thrown off, thrown off guard. I didn't. - Someone's helped to take you by surprise. You lied to her? - No, not to. No, that's who I thought. - What would you have thought if you knew he was going to do this so many times? Staying in hotels. Motel's alone. - No, there's just this once that she didn't know about. This was the only time that's happened. - And what does that make you think? I immediately know what's going through my head. - Yeah, it makes me wonder one why he did it to what made him feel why he needed to do it and what actually happened while he was there. - Which by the way, he's tell me who answered these questions. - Well, I should let you know as well on top of it. He's pretending like this is a forever ghost. Many of these cards are open in 2026. - Yeah. - That's this year. - Now this was this year. - That's not dark times long time ago. - He can, were you gone that you had to work? - So the original intention I was supposed to be shooting a documentary at this really cool hotel. And I know it was a paid thing like everything was set up. It got pulled. - Yeah. - No, I do remember this. - It did. - It did got pulled there too, didn't it? - No, no, no. So I do like to recluse. I like to just kind of be in solitude. - Go into a room. - It was. - Take a shower. - It was, I did, it was, it was a great place. - Cool for a walk. - Where did you go? - This makes no sense. - No, I went, it was when I was supposed to be shooting that in Eureka Springs, Arkansas. Went down there, it's a cool little town. It's like a little getaway. And no, I stayed in a room for three days. - In Eureka. - Three days. - Why didn't you tell me because you've done that before? - I just-- - For the, what it sounds like the same reason. So I don't understand why you lied about it this time. - So there are, you know, I had my own reasons. I mean, I didn't feel-- - For God's sake. - Why the lie? Unless there's something more being hidden, what's the point of the lie? If you did something similar before but you told her, why lie this time? - You know, that was a really good contract. And once again, I go, hey, I just failed at something else. This is wonderful. - I still shot some footage while I was there. I did my own thing. - This is not answering the why lie. You see how he's dodging this? - Yeah. - So I was walking around it. - Because it was financial reasons 'cause I usually don't do the credit card thing. I didn't want to, you know, I just said, "Hey, I'll pay this back." It's not a big deal. I'll pay it back, close down the cards. - Well, you can't tell me by the way that you've never had debt before when I have 605,000 times. - This is first, yeah. This is the first time. - And then we have active right now, not in collections, 420 with a $25 minimum to payment. Who even knows it's getting spent on that 'cause you didn't send me statements. I only have it from a credit report. - Yeah. - So don't even know, you're hiding your spending in the middle of this episode. - I do. - Flyer. - You're not in trustworthy. You're not a reliable source. Maybe I don't believe you on that game thing with the restraining around now. I can tell you what both of those are. - Please do. - Your wife would like to know, buddy, including this active one, Capital One. Another Capital One with a, by the way, they're all over maxed out. Over maxed out. The last one had a balance cap with 300. He's a 420. This one has a balance cap 300. This one's a 382. Probably a $25 minimum as well. Yeah, go on, Tyler. She wants to know, dude. - So I had these, this was, I don't know if you can't remember April through May. I had lost. I mean, it was the last straw for me. Yeah, I once again, remember things started picking up. They were really great. I was telling you, hey, I've got all these contracts again. Things are coming in. - Yeah, you have like three of them, I remember. - And every single one, just I got one call from a producer, hey, we're actually, we're not going to shoot this. Well, I'm still getting paid for it, right? Not the full amount. What's not the full amount? It was like a half day stipend, which was like 80 bucks. And I don't even think it was that. And then it's like, okay, I still got two other contracts. The next thing it was like, oh, hey, we're not coming in town. We're not shooting this. We'll be next year before we shoot this. - Okay, I need to tell you something. The way this man talks and tells stories when he's like, you remember, you remember, you remember. And then he goes around and tells the story. And he's like, well, actually, it wasn't even that much. It was them, that's how gas lighter speak. When they tell stories that way, that's exactly how liars speak. There's no other person that speaks that way. And knowing his background is swindling at all, I should not surprise either. But no one talks that way unless they are telling a lie. - I've never swindled or scammed anybody. I mean, and I've never lied to her about anything. - You already lied about this. - This was right now. - This is huge. I mean, it is, no one speaks the way you just spoke if they're not gaslighting. - It's embarrassing. I feel guilty. I feel awful that I had this, but it was for personal, selfish reasons, just for myself though. I've been on my own. I like to recluse. I needed time. I didn't know, okay, I'll be honest. I wasn't sure. - And I was honest. - No, really. I didn't know if I was gonna go back home. I had no idea. I was on a motorcycle. - I didn't think that I was more in a conversation. - Well, no, 'cause genuinely, when someone-- - Is credit cards to pay for things? - I didn't know. I didn't, I didn't know. I had no idea. I didn't know where I was going. When I was going, I didn't know if I was coming back. I had no money. You have all the money, you have everything. I'm going, okay. - Well, you could get a job, but. - Well, no, and I didn't know what the next step was going to be. I didn't know if I was going to ride until I did come. - You did come. - And why not? The next step. - LinkedIn, perhaps. - I've actually submitted the past, I don't know. I've submitted so much on there the past three months. - How much? - Over 300, I mean, I can bring that up and show the application history. I'd be happy to show that. - I'll get you a course career certification, so we can actually get you some experience on things that are raised that matter. People who converted those course career certifications in God and Paid, in careers, $100,000 a year or more. I'll get you that. - Okay. - But right now, you're a joke. You have collections, $632. Then on CareCredit, you have $5,876,000 here. You're spending more than you put towards the end. - It's actually. - Why? - It's actually more now. - Oh, great. How much more now? - I had to have put another $1800 on it. Two weeks ago. Yeah, two weeks ago. - For both of my girls' braces. It's their dental bills for them. - Oh my fuck. What are we doing? See, what's the point? Interest, fees, you had a late fee again. This is crazy. And it's not even, it's fixed to 20%, it's not even good. You got purchases. It purchases on here at 40% interest. What the fuck are we doing? That's worse than any credit card. Okay, then you have for credit one. That's the worst you can get. Okay, well, they are zero dollar founts. You pay it off, which is good. But there's late fees as well. Which are late. So what's even the point? You're paying, even if you pay it off on time, without the interest of growing, which you're doing late. So you're paying for the privilege of using this card. More on? And on the next one is the annual fee and late fee. Look, what the fuck are we doing? You're paying for the privilege of having the card. What is this that you owe $33,842 onto a 15.4% interest rate of death? Huh? Oh, it's funny. That's our car. What do you have? What kind of car? 2023 Ford Explorer. Kind of get a 10,000-hour car, huh? I am very picky when it comes to you. I don't give a fuck. Picky. Why does your opinion matter? - What is your opinion possibly matter? This is $756 and 17 cents a month. At a 15.4% interest rate. What the fuck is wrong with you? - We weren't gonna get it. - We didn't get it. - We didn't get it. - We made a new bill. Congratulations, you owe $33,842 on it. What do you think is worth this new vehicle? - I know what it's worth. It's only worth $23,000. - $23,000. - 'Cause you've only had three. - Take three away. 20. 20. 20. 20. 20. - You, you earned a water, $14,000. - Well, you're always gonna be underwater on a new car for the first couple of months. - Don't get a new car then. At an interest rate in a minimum with the payment, you can't afford to-- - Well, I can't afford it. - You think it just-- You're always gonna be addicted. Okay, so that means it's okay to take-- What are you talking about? What kind of logic is that? Go fuck yourself. You don't care to change. You sound, you say the right things. When you say I have a goal for retirement, I have a goal for buying a house. You don't do anything to get there. And you don't give a-- Can you defend everything? You'll be justified till you're dying days. You're never gonna get a house again. You prioritize your pickiness of a car and wingsstop. - Well, I'm spending a lot of money on it. Of course, I'm gonna be picky. - You didn't have to. Get a 10,000-hour car. - Don't exist in this economy anymore. - That's a completely lie. The 2,000 car certainly doesn't. The 10,000 absolutely shut the fuck up. - We did make that decision together. We ended up walking off on the lot because we couldn't get anything. And the guy did chase us down. He said, zero dollars. So that's why we got that car. So I can get it zero dollar down what we didn't pay for three months. - Great, you get to a salesman. You're fucking pathetic. - I did. - 1056 in your collection. Oh, you have another 1,000 58 this time. - Those are medical bills. One of which is who's? - Oh, suit of loans. Okay, you paying on it? - No. - They'll garnish your wages. - It's in deferment. - Oh, okay, it's in deferment. Why is it deferred? Can't afford the monthly payment on our right now? - I mean, yes, you can. You decided to choose an 800-hour car payment. You chose that. You're choosing to get winged stop. Why should we be the sacrifice to earn you? - Because it's hard to get to. - It's more than a 40,000-hour car. You're so stupid. How are you managing the household finance? You are a moron. What the fuck am I supposed to do with you? Who can't? A 20,000-hour car is cheaper than 40,000-hours. You're choosing winged stop over paying student loans. Why should we subsidize you? Go fuck yourself. - I hope they don't accept your deferment any more for the rest of your life. $17,600 for what? What degree did you not get? - I have an associate's degree in business and marketing. - All that for an associate's degree? F*** off. Are these more student loans or are those detailed? - That is the details of the student loan. - Okay, well, here's a checking account. Checking account. $216. Let's see, what are we getting? Venmo Venmo, Amazon cash app. Microsoft, looks like a subscription, Amazon, a purchase of bullshit, gas station. What do you get at the gas station all the time? - That's severely cash now, but if that was me on there, and then it's like nicotine, no, nicotine pouches. I don't know, is this-- - How often are you getting nicotine pouches? - Maybe the gas station charge on there is the on Friday mornings, we stop at the gas station and get my kids a drink and-- - But you can't afford her student loan payment, so you, the taxpayer, have to subsidize it. Go fuck yourself. Seriously fuck off. Yeah, you got some bullshit, bullshit, bullshit, cash app, bullshit, door dashing Panda Express, but you can't pay her student loans. Dominance, but you can't pay her student loans. Talk about it, but you can't pay her student loans. But don't switch, you can't pay her student loans. Cash app, money out. Getting pizza, but you can't afford her student loans. Get in some bullshit, convenience store, bullshit, country, mart, Amazon, convenience store again. Get in some bullshit, bullshit, serious exam, but you can't afford her student loans. She's getting serious exam, go fuck yourself. Get in some, go into a restaurant, but can't afford her student loans. Got some bullshit at the gas station. You can't afford her student loans. Talk about it, but can't afford her student loans. Amazon, Google gossip harbor. - That's a can't afford a student loan. - Your games, haha, haha, go fuck yourself. Amazon, got some bullshit. Dollar gen. Domenos, can't afford to sit in the loans, I am depro. You're a loser, you're never going to be successful in your life. Bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, it's a bullshit. Amazon McDonald's, Jimmy Jones, what you can't afford to sit in the loans, get into bullshit. Go fund me, go fund payback your student loans, you, talk about subway, books of million, bullshit. Amazon, savings drained, it's down, this is so pathetic, you guys suck, you guys absolutely suck. Let me see if I can budget this, but that lie we caught him in that you didn't know about. Guess what? There's another one he lied to you about, that we caught him in. Yeah, you don't even, no, but we're going to expose this ass in the post show. Get ready. Let's get your budget first. Yeah, you better give him that look, you're going to freak the fuck out. You and we got your ass, we know everything. And we got your ass, minimum depayments, $1,100, $2.17, what's your rent? $500. You can't afford that. You guys, listen, no, you should just give up on life, like the $500 rent, making $5,200 and you're not even surviving, go fuck yourself. What's your utilities? Guess what I check in on all that combined? Electric ranges from like 180 to this month, they have almost $400 with the heat wave. We'll call it 250, because there's always a heat wave, go on. And then trash, water, all that's included in the rent. Well, what about, internet? Internet is with our cell phone bill, they say-- What's your cell phone bill? Well, do you tell it to 250? It's 289. And what do we do, do helium, do helium, get off that shit, 15 bucks a line, just a good service. Gas of room from drive drive, how much? We've probably spent about $70, twice a week, so what is that one, 40? Oh, twice a week, okay, 10, so if you divide it by 12. All right, $600, $700, car insurance is $163, and that includes renters insurance. You should be able to do the grocery budget on about $850, meal prep, meal plan, warming up, not everything. We talked to them about that, but-- Oh, I'm glad you talked about it. You don't have to ask every second of your life, and you get paneroid every three hours. Shut the fuck up. I don't give a shit. You talked about it during your life. You talked about a lot of things. You're all talking non-delivery. That's your life. Shut the fuck up. TV fun and anything else for you and your kids to survive. That is their clothes, that is tampons, that is toilet paper, that is, you know, your name it. School supplies. That changes every month, but 250 is what we put towards that. Medical health care. What are our co-pays on our monthly basis? I know he has therapy. That is $151 month, and then we have medical insurance, $180. Does that come out of your paycheck? No. Okay, $180 plus $150. Okay, that's fine. What else? What else? Then we have dental insurance, which is $155, and critical care insurance, which is $60. Okay, $554, $545, sorry. Subscriptions, I'll give you $50, you have any pets? It's about $60 for subscriptions and. No, it's not, it's $50, you cut it. Dude, she's broken. Shut the fuck up. What is your pet? Yes. How many? We have two dogs. $100 pet insurance. How much for pet food? Um, we spend about, I think it's $70 a month in pet food. Anything else that needs to be in this budget that I did not put in? No. You still have room, even with all. You know, your minimum payments, $4,737 to $17, it's not a massive amount of wiggle room, but it does give you, I'm going to round down to $400 to be conservative. I'm going to take your $65,673 and 20 cents of debt, but we are going to minus your student loans. $17.00, minus your student loans, you'll minute the payment and tell those paid off once that deferral ends. Which will take money away from this, but yes, that happens. They're all alone, as you and everybody possible. Some of the collections I don't need to freak out about, I'm going to minus about $3,000 for that. Um, but it still brings us to $44,000 because the car, which is $33,000 of it, divided by your, did you just fart? You freak? No. You're disgusting. 112 months. That is nine years all thanks to your car, because you fucked up. I tried to trade in the car, borrowed the difference, get a cheap car, that'll bring you down to like $25,000, it's better than $33,000 and then you'll be able to pay off your debt in seven years. Other than that, you guys are not really, though, because you need to just go get a job and be a big boy and grow the fuck up. And if we work on this budget, congratulations, you guys should be able to pay off debt on about five years if you don't trade in the car. You should pay off the debt in about two and a half years. That's what I would do. Then save up a fully funded emergency fund, call it a three and a half year total or six and a half years if you don't trade in the car. You guys are fuck, unless you get a job, unless you trade in the car. I don't care about your dream car. You have a dream to buy a house. You're not buying a house in March or May or whatever the fuck you said. You're buying a house in ten years, maybe, and maybe at that point you shouldn't, because you need to take advantage of investing in the market so you can retire. You guys are fuck, get a job, downsize the car and you'll be fine in a few years. That's the answer to your solution, it budget! Does it even matter anyway? We'll find out because this has been lying and we're going to expose them for his all shit in the post show. Get ready. Let's get your hammer financial score first. Spending in a budget, you're overspending. Zero to ten. Depth is collections. Zero to ten. Emergency fund. Drained it down to a thousand. One out of ten retirement. I didn't see retirement. You got retirement. No. You want to retire and you're 40 and no retirement. You're done. Zero to ten real estate. Nothing. Zero to ten. Hammer financial score. Round it up to 0.5. What is going to be an incredible post show plus three premium shows every single day, six days a week? That's why there's over 130,000 monthly active members to our network, Hammer Elite. It is incredible. Seriously, you don't even understand what you're missing. Check it out by clicking that join button or link below or you can go off platform at the hammer, lead app or hammer, lead.com. It's the same membership you're on YouTube or at Hammer Elite. We want to give you just more options. We'll see you in the post show. What do you even think we're talking about? That's probably Pokemon relating. We have a reality. He is spending $1,000 on Pokemon cards. How did you pay for this? I mean, I totally know the walking money that we set or some of the, some of what I don't give to you. That's the down payment on the house. Yeah. I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day Monday through Saturday. 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