The Craziest Reveal In Financial Audit History

- To watch episodes of financial audit a week earlier, check us out on YouTube. - He fell asleep on FaceTime with another girl, had it screen-chotted on his phone while we were together. - Don't take that. I don't get it. - Out of obligation, like, we have a child together. - Yeah, that's literally the only reason. - Yeah, I go from gray, okay. - He didn't name his Kaylee. - She was a blonde, a curvy little blonde. - Did you care? - Yeah, but it wasn't like, oh my god, you're cheating on me. It was like, oh my god, you're a (beep) loser. Like, I'm embarrassed, what the (beep) - He also said this episode is gonna be his last straw, by the way. - I don't know why it would be his last straw. - So there's the FaceTime, do you already count on that? - Yeah, the FaceTime, the military, AI, and then the other one. - So, what's the other one? - It was the guy. - The otherwise is finally here, sending waves to the personal finance world. 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Go to katelapamber.com/apply or click that link in the description below. - Hi, I'm Remy, I'm 25 years old. - Hi, I'm Jacob, I'm 26 years old. We are from Pittsburgh, Pennsylvania. - And this is financial audit. - I'm here to get the truth because all he does is lie to me. - That's what was at the top of the application to come on the show. I'm guessing he is you, 'cause you're the guy. That's interesting, I'm very curious to learn more, but first, Remy. - Yes. - Well, thanks for coming down, guys. What do you do for a living in Pittsburgh? - Pennsylvania. - I. - Beautiful city. - Cashier, waitress, and then on the side, I clean people's houses. - Okay, here you make it money. It's hard to say. - Are you, I mean, what are you getting paid? What's your hours on what's happening? - So when I waitress, I make 283 plus tips. When I cashier, I make 13 an hour and then I clean a house, I make an extra $100 a month. - Rust belt cities, Midwest, Megalopolis, not usually the most expensive areas in the country. Pittsburgh, I don't have the full data off the top of my head. I feel like that being half of the income, you could actually do halfway decently. What are you making normally a month net? - Roughly $800. So like my paycheck from-- - What the fuck? - I only work three days a week, I'm part time. We have a two-year-old, so I watch her and she's in daycare part time. - What is the cost difference between daycare and you going and just working? - Daycare is $600 a month for three days a week. - Okay, and what would it be for five? - About $1,000 a month. - Okay, you would net more. - Probably. - Based on your income, no, not probably. I mean for three days, you're making eight, you're making eight, spending six, you're netting, it's not great. If you work five and half and watch for five, you would net and would probably be an extra 100 or 200 up. But by the way, just, your career's a joke. - It is. - 25 like this is nothing. We're not gonna survive off of this. - You're right, but that's why I make a wish. - To bring a kid, okay, good. What are you studying? - Engineering. - Okay, what kind? I mean, that's good. It's an environment. Well, right now it's just broad associate. And then from there, I'm gonna go to-- - The associate, we're still an associate. - Yeah. - You're gonna take forever? - Yeah. - I mean, if you're working and taking care of the kid, how much, oh, how many credit hours are you taking? - 12. So it's like-- - Okay, that's a very minimal form. - Very minimal form. - Okay, how long do you have a degree of which you might be able to make money from that degree? - So I'm going on my second year this year. It'll probably take three years to-- - Bro, his mom's paying for the day here. - Right now, yeah. 'Cause we had to catch up-- - Oh, yeah. - But tell me that, I mean, yes, it is expensive, but why are you making it sound like it's all in you? - It's mom's paying for the daycare. - At the moment, it's all the time to pay her back. - I have to pay her back. So like-- - It's a debt, it's an accumulating debt. - As of right now. So I wasn't working. - He means as of right now. What does the as of right now mean in this context? - So I have to catch up what I owe her and then take over paying daycare. - Because-- - Catch up what you owe her in one way for her paying previous daycare or something different. - Yeah, so I, there was a three month period where I wasn't working because I, between school and taking care of our child. - Why aren't you working? - I was working. So I-- - And why weren't you working? - 'Cause we needed somebody to cover a child. - How many hours of the week were you working? - 40. - Why weren't you working when he got home? - You know, this is what-- - During that time, I wasn't in the history of that time. - I was, I was, so I, there was a three month-- - You just said you weren't working. - Well, during the three month period. - Yeah, why weren't you working? - I was focusing on school. That was like my main. We had discussed it. We had-- - But you were going into debt in the family. So at that point-- - I didn't know at that time we were going into debt. - To the, to your family? - Oh, yeah, all together. - What do you mean? He was doing it secretly behind your back? - Yeah. - Like, I didn't know how much money was being sent. - Okay, so great. $600, so what you said you make? $800? - $800 a month. - A month, okay. It's not a household. Well, what do you do? What do you possibly do? - I'm a decent mechanic. I make $24 a hour. - Okay, there's something. There's a start. 40 hours a week. What do you net? - My net is $3,200. - Okay, we can pay bills on that in Cincinnati. - I also have a second job that I'm-- - Really? - Oh, yeah, only recent. - Yeah, only recent, for the-- - He's doing. - I made him go get it. I applied for him. - Okay, why are you freaking out about the only recent? - Because the, I had found out about-- - It's been a month and a half that I've been working at this new job. - I had found out about an extra thousands and thousands of dollars of debt that I wasn't talked to about. - Okay, well get into that. I need your income situation. What's the second job? - So I'm a dishwasher slash cook. - Okay, what do you make with that? - 15. - 12. - Yeah. Okay, well, extra comes in a month. - Oh. - Expected, since it's so recent, 1,000. - Okay, good. I mean, listen, 4,200 or 5,000. 5,000 net, very good. - Yeah, you have disability, right? - You're in the military. - It was. - Are you in the first person in the history of the show in the military to not get disability? - Well, you were kicked out of the military. - Yeah. - How do you get kicked out? You have to do something. Why'd you get kicked out of the military? First, what were you serving? What was your service? Do I say thank you for the service that they get kicked out? What's the rule? - I mean-- - I wouldn't. - Oh? - You can say whatever you want. - Well, I used to do-- - I don't care. - What were you doing? - I was in the army. - Sure. - Doing what? - Do you have some mechanic? - Did you blow up a car? - I wish. I mean, honestly, it would be more fun. - Why are you kicked out? - I was accused of doing something that I didn't actually do. - And what were you accused of? - Apparently having nudes and having a sex video on my phone, nudes, from another person. - He was cheating on me while I was pregnant. - What is the show? - I swear, this wasn't even-- - I scan the notes and idioms to see that. - So originally, I had found out when he told me-- - Those are the studios you got, 'cause your kids-- - Yeah, sorry, go ahead. - No, you're good. When he told me he was getting kicked out, he told me it was because they had caught him watching a racist TikTok. And I know-- - I think of anything that was racist, that's black. - I know. He was trying to stereotype it. So he was just like, oh, cool lady, and watermelon, and fried chicken, and I laughed. - Yeah. - That's being racist, this is fun. I know. - So I was like, I know you don't get kicked out of the military for just watching a TikTok. They'll article 15 you, they'll take your paycheck, but they're not gonna kick you out of the military. - Okay. - So like in the back of my mind, I can't figure it out. I have no clue. I'm not gonna go into his first sergeant, and his first sergeant is gonna tell me. - Okay. - So I just believed that it was a racist video until-- - Stop your vocal, fry. Talk like a normal person. - Until two months after-- - Okay, she's not. - How do I-- - I don't know, right? - I don't know, I don't know. - Am I not talking normal? - Is that her normal? She's a vocal freer? - Oh, I'm sorry. - Well, I, two months after we had our daughter, he was on FaceTime with his friend who was deployed into Poland, and his friend was, they were talking about why he got kicked out of the military, and he was like, oh, 'cause some dumb bitch and turned all of the volume down, and his face got beat red, and he stopped talking, and left the room. And then wouldn't tell me, or elaborate. - His name is Jacob. Can we stop this? Like, you know how many bleeps we're having to do right now? Woman, please. Jacob. - I already told you. - So like give me a piece of paper and a pen, I can write it down on the desk. - What happened there in that moment? You got caught. - He just spoke. - Yeah, I gotta spoke, but-- - Buddy, you can't see you didn't cheat. If you're lying about the reason you got kicked out anyway. - I mean, she shouldn't be in any way. - Why would she believe? Why'd you lie about the reason you got kicked out? - 'Cause he's a shame. - He's actually still confused by that. You didn't have an answer for that prepared? - No, not really, no. - What? You haven't thought about the reason you lied in two years. - I mean, I didn't really have to lie about it. I mean, I could have came out and said it. - But you did lie. - But I tried to figure out the lie. - Yeah, it was just easier to come up with something other than that, 'cause it-- - Why not just-- - 'Cause otherwise it was-- - Because I was like, man, and I would kick him out. - 'Cause otherwise it's stupid. - Well, like, just say you're watching or something, right? that's closer to the - Yeah, I mean, that's close. - But what did you, you had images of another person that was serving? - Supposedly, I had pictures. - No, no, no, no. - Actually, they were going around the base. - No, I'm sorry, but the MPs did a full investigation. - No, they didn't. - Yes, they did. They did a full investigation and kicked you out. They're not going to do a full investigation. - Deem you worthy of being kicked out, if you didn't do something. - 'Cause if they did a full investigation, they would've asked for my phone, and then I would've told them, "Here, here's my phone, here's my share." - No, but she probably gave enough evidence to show, "Hey, yeah, he has these." - No, they still would've asked. - No, okay. - They still would've asked for my phone. - But I can't even trust that they didn't. - Okay, so sex. - Well, for having nudes on your phone, there's so many. - And sex videos, apparently. - Yeah, you're, they're going to ask for your phone. - Like, they're just involving you? - No. - Her and her sergeant. - Why do you. - Yeah. - Good, what is happening over there? Like, I mean, I get it horrible. - You get lonely, apparently, I don't know. - No, I mean, I get it. - Well, I mean, we were in California, obviously, which is gross, 'cause there's no showers, and there's nothing. So, you're in a clamshell, basically, smelling like fish. - Uh-huh? - He was trying to say that he was on a. - So when I was in, so I was at NTC, which is the National Training Center in California. - He advised you to get a lawyer, though, and you didn't even do that. - Well, they asked me to get a lawyer, and I said, "No, 'cause I asked the girl, "I said, "Hey, am I gonna, if I get a lawyer, am I gonna be able to, you know, turn it over and win?" And she goes, "Probably not." - So the next one. - Probably not, but maybe find out. - So just honorably discharged. - No, general with honorable conditions. - What? - Yep. - I was told other than honorable. - No, I got a general with honorable conditions. - Why are you saying cheat? - Um, so, like, for this instance? - For this instance. - Yeah, for this instance. - Sure, let's go with this instance, and I guess we'll learn about more instances. - So, um, I personally don't think having nudes or pictures or situations, um, involving other people, that you're not disclosing, um, as loyal. Like, had he been like, "Hey, yeah, this girl sent me this. I just wanna let you know." Like, that would have been different. But like, you, you hid this stuff behind my back, got kicked out of the military, and then a year later. - And you needed someone else in the base. - That's cheating to me. - Which also just like, I don't know. I mean, I assume military bases, high school, small colleges, I mean, that shit can happen. - Right. - More and more of these days. Like, it just happens. Just own it. Like, people are treating it around. - All right. - It's not a good thing, but like, you're a young, everyone is stupid, just own it, move on. - Right. But, I mean. - You're not ready to own it? Like, I don't understand the point. - It happens anything. No, it's just that he just. - Yeah, what is the point to not own it? I would own it. Like, I don't care. - I don't care. - It was over it, and then it was just like, okay, I'm out, and then I'm with my kid, and I start working like. - But you had multiple witnesses against you? - Yeah, multiple. - Against you? - Yes. - Why would there be multiple witnesses against you? - Because they didn't like. - What's this grand plot? - They didn't like me. - Why? - One, I had to go and work on their vehicle more times than none, and then I told them to go off, basically. - Because I was tired of working on them. - Does he want to do his job? - I was the only one doing my job, because my sergeant wanted to be in the truck and just sleep and be on his phone all day, and just basically fuck off and not worry about his soldier being out with no. - I was going out of sleep for 36 hours. - Okay, so we're completely in line that he totally. - Like, at least had pictures at some point, maybe deleted them and checked out to the video couple times. - Yeah, something. - Yeah, something. - Who cares? I mean, it's not good, but it's in the past. You can just apologize and move on. - Or at least you can't say, like, that is the first time I've heard of it. I didn't find out that it was nude and some girl until just now, that was the first time I've ever. - Wait, really? - Yeah. - Why do you do this? I don't understand how. This is two years ago. She knew that there was something more. - I've been trying to get that information. He was like, "It's nothing. It's literally nothing." - Where are you with him then? I couldn't be with someone like that. - I'm co-dependent. - Yeah, be co-dependent with someone who'll tell you that. Why hide that from her? - I don't know, because I just thought it was dumb and it was like, it's over with. - It is, but why not just own it and move on, dude? Again. - That's what I was doing. Just trying to move on and just, like, leave it in the past. - But own it. Own the mistake. You learn from it. - It's a wrong mistake of being kicked out of the military. - No, but you didn't own the mistake of your act. Like, your mistake, your action. It wasn't a mistake you got kicked out of the military. You got kicked out of the military because you were. - Right. - So you said, "This instance, what's another instance?" - He fell asleep on FaceTime with another girl, had it screen-shotted on his phone while we were together. I don't even know her name. He still hasn't even told me who she was. - Right, and you're still with him. - Yeah. - That's insane. I'm sorry, that's better than saying. He's the bad person in that context, especially not telling you. - But you're. - Yeah. - I know, I had just. - Right. - Two ladies in here, like, that's insane. - Right? Like, why the fuck would you stay? You're choosing to stay, at that point. - I know, I know. - So, well, what happened when? - Um, so that was probably six months into our relationship? - Oh, my fault. - Like, prior to me even getting pregnant, so I had it out and I still didn't take it. - So what happened there? - Nothing, just. - Who are you FaceTiming? - I don't know. - It was from somebody from Alaska. - You two? - No, who you were in. - Someone from Costco? - No, Alaska. - Okay, how'd you meet her then? - It's not that. They just. They added me on a. Like, people you may know, or whatever. - Uh-huh. - Yeah. - Who asked who for a call? - She called me. She just went in and called video calls. - How'd she get your number? Because that was definitely on FaceTime. It was a FaceTime screenshot. - Right. - Okay. So, somehow, she got your number. You called what were the expectations of the phone call? - And I didn't know. - I didn't know. - Okay, then what did you guys talk about? - We just talked about life and then. - I talked for a long time because you called sleep. - Me following the sleep was because I was on a 24-hour bender of no sleep bender. - Yeah, so I had. - What? - I had a. - He was working. - Oh, working's good. - The deal. I got that. - The 24-hour duty. - And you saw this and then what? - I confronted him, but at that time, I was kind of homeless. So I was. It was just like whatever. - No, she was deeply homeless because of the. - It was deeply homeless. - Her husband kicked her out of the house. - Well, you had a husband while you were with him, while he was cheating on you while you were. - We were already in the process of divorce before I ever met him. - Look at you. 26th of the baby and already one divorce? - One divorce. - One divorce in. - You guys are married now? - No. - No. Hard no. - Hard no. - Hard no. - Go on. - Why would I tie myself to somebody who can't even talk to me? - You made it child. - I did. Yeah, that's automatically tied to him. But why would I like financially and for the rest of my life? - You guys live together and you have finances. - I'm not assuming his debts. - Okay. I don't know. You guys might have some common law march as well, by the way, but. - In seven years in Pennsylvania, because we live in a common mouth. - Oh, she's okay. So, why are you with him today then? Why not go work on your whole future relationship? - It feels more like. out of obligation like we have a child together. - Okay. - How does this make you feel hearing this? - He's hard this before. - I mean. - You're chill with it? Like, you don't give a. - Go to work, come home, go to my other job, come home. - You don't get to use that as an excuse anymore, because I'm just. - I'm not using it as an excuse, I'm just. - It's literally been the past month. - Still, even then, even then, I would go to. I would wake up, go to work, come home. - And then you went home by 3 p.m. - Right. - And still did. - Nothing. - No, I stayed with the kid while you did other things, because you were like, "Hey, I had the child for all day pushing off the child to you." - It wasn't push off the child to you. "Hey, I need to get some stuff done while you sit here and play video games." - No, you would call me and be like, "I'm overexerted. I can't be touched. I'm touched out. You need to get here." - Yeah, that's very true. - But there was also a list of things that needed done in your dad. You can be a parent, too. - Right, and I never said I didn't have to be. I'm just saying that I came home and needed. - And how did you do that? - And I just wanted 30 minutes of my time just to relax from work, and then I'll go in and be a dad. But it was a constant doing unfairness. - He was working on a line assembly. - Yeah, but it's okay to when come home have 30 minutes of relaxation, and then get back into it. - He usually would get maybe not 30, but he'd have like 15 minutes go upstairs, get changed, breathe, maybe shower, and then come back downstairs. - That's a, I mean. - But she's in bed by seven. We have, we have a late, yeah, supposed to be late. - But he's getting home by three. - Yeah, so there's. - Okay, there was a lot of time if he has 30 minutes to relax. - Yeah, and then. - Yeah, maybe a step up more, but I think 30 minutes of relaxation when he gets home is not the end of the world. - No, it's not the end of the world. I never crashed out because he wanted 30 minutes. I crashed out. - Why is this the topic then? She says she doesn't care if you have 30 minutes yourself. - I mean, I mean, granted, I mean, she's with her all day. - Yeah. - And so I get it that she gets overwhelmed and everything. - No, of course. - I'm not, I'm not opposed to you wanting a breaker. You should, her wanting help. - No. - Well, why, she just said she doesn't care if you take 30 minutes. - I mean. - Is that even true, though? I mean, the reality is in the pre-interview. She was calling you a lazy piece of shit multiple times. - No. - Yeah. - Why? - I am lazy. - 'Cause you don't do it. - I mean. - He doesn't do anything. Unless I like nag him to do it. do it. So we have. - We have an agreement. - I don't take things into initiative. Like if I see something, I just leave it and until I have to-- - Or I'm talking to you, but I don't get it. - I don't know, it makes that sense. - Yeah, I know. We-- - Are you with her? - She'll mother. She'll mother you and the baby? - Yeah. - Because I trade him like his mom. - Did we trade him? - Have this kid intentionally? - No, I love her. Like I would never-- - I would never take him back. - Oh, sure. - I definitely didn't plan this child. It wasn't planned at all. - Do you guys sleep in the same bed? - Yes. - For a little while we didn't, but yeah, we are back in the same bed. - Do you want something to work? I'm so confused. - You guys sound like you're both like done with it, but we're just there out of vomit. - I mean, we were honestly like, I mean like there was tensions between-- - Oh wait. - Yeah, tensions, 'cause I just read. You cheated on him. - Yeah, yeah. - I did do that. - I did do that once. No, it wasn't back and forth. It was once and I came clean to you within a month. - Within a month. - Yes. - What happened? - I had a friend on SnapChat and he would, for the past years, just randomly swipe up on my stories. My birthday last year, he had swiped up on my story and then we just started talking and then about a month and does just friendly talking. He invited me to like go to dinner with him and I was like, I just wanna let you know like I have a kid and a boyfriend and he was like, oh that's fine, like I don't really care. And then it, from there, it got like spicy and I started sending him. - Tell me. - No, what do you mean, Nernah? You jumped a lot of steps. - Like, we would just start working. - So he invited you to dinner? - Yeah, yeah. - I never went to dinner with him. - Oh. - So he lives in New York. - So how did he get you to send flaps? - I don't send flaps. - Just today's okay, but how did he get you to do that? - He, we just grew a rapport by like flirting with each other and then at one point he, I mean like I didn't, he, I had already been sending him nudes but then he had sent me money to like get new tires for my car and get my haircut because he didn't want me driving my car around with a kid and it with bald tires. - Or easy. - And prior to him sending me the money, like I got, like my conscious was eating me alive so I came to, I was like, hey, I just wanna let you know. - Hold on, didn't his sister find out before him though? - Yes, yeah, his sister and his mom both knew part of it. - I didn't his, what did his sister say? - You go girl, get it. 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But everyone just elites it because it's way too complicated to use. So you go to every dollar that's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rock and money that you got a lot of commercials, but they're owned by rocket mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds and millions of dollars to private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollar-wise built by these people just like you, four people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download an hour, start the free trial, dollarwise.com, link in the description below. So we were at his dad's for Halloween and his sister called me and she goes, "Girl, you've, 'cause I don't usually use Snapchat a whole lot. She's a girl you've been on Snapchat a lot. Like, are you seeing somebody else?" And I was like, "Yeah, I definitely am. His name's crazy." And she goes, "Go, get it." Like, I don't care, he's a loser. I completely understand you're doing what you're doing. His mom then reached out to his sister. It was like, "Hey, just so you know, like I just want to know is cheating on, or is, right now, just cheating on Jacob." And she was just like, "Yeah, yeah, she is." And she was like, "Only unhappy people cheat." There's, I get it, only unhappy people cheat. What the fuck is this enablement? This is crazy. I mean, I agree. Maybe you should leave him, but cheating is still just leave. Don't cheat, leave. Well, that's my conscious story. Let me open by, I don't think you guys know. So I went to him and I laid it all on the table. I was like, "This is how I feel. "Things need to change." Obviously, like, I'm unhappy. And the next morning he had downloaded six dating apps. So he told me to happily wear his head, it was out as well. Meanwhile, get home from work and she's having phone sex on FaceTime. I did do that with the guy from New York. So after you admitted to cheating? Yeah. You didn't say stop. At this point, we're no longer together. Like, you guys broke up officially in a moment. We still lived together, but like, at that point, we were no longer together. No, no, no, no, it was just all on phone. Yeah, it was all phone. You? No, all on her phone. No, did you? No. I guess broke up, I mean. Oh, no, he couldn't pull girls. No. Really? Yeah. It's not difficult. I mean. For him it was. Should it be? Being a wacky weirdo. Yeah. You're the wacky weirdo just a loser. You're wackiness yet. I've just, you're lazy. Where's your wacky? Wacky is fun, lazy. Wacky weirdo. I mean, you're just a weirdo. You're wacky weirdo? No. He's not. That was the weirdest description of him. He's just a loser. No. Weird. Like, I don't know. No. He's just a liar in a loser. I mean, I'm inclined to read. I mean, I rather not use dating apps. I rather just go to like somewhere where it's open. So do that. Okay. How many of you guys? Can an AI girlfriend? Great. Did you really? He didn't. He was Kaley. She was a blonde. A curvy little blonde. When did you have an AI girlfriend? You pathetic. Right? March. This year? This March. Were you guys together? Yeah. Did you care? Yeah. But it wasn't like, oh my god. You're cheating on me. It was like, oh my god. You're a loser. Like, I'm embarrassed. What the fuck? Like, I'm not completely ugly. Are you sure about that? And this is what you're choosing is some AI girl. What the fuck? Are you guys? What the fuck? Are you guys? Okay. So last year, you cheated. You guys broke up. How long you guys living together, but still together? Wait, total. Yeah. How long have you guys stayed separate? Uh, so we split beginning of December. Or last year? Late November. Yeah. And then late January 2025 mid January 2025. And since then, and you cheating besides AI girlfriends? Not that I know of. Would you admit it? Now, based on your history. I mean, I would admit. No, you wouldn't. No, you wouldn't. What I'm based on your history. There's no way you didn't send news around the base. No. So a reason. Can you get dishonorably discharged post? Like, if you told us now, could you face consequences? I don't think so. Are you not in disability? Is that when you're under the VA? Because he's lazy. Wow. Too lazy to even do that. That's so easy. It is. Say that you're having like dick issues and you get-- I mean, I have feet issues. Yes. Oh, my God. His feet are disgusting. If you were to show them on camera, you'd have to send them. Is it because of the military? Yes. You want to see my feet? Yes. It's disgusting. If you show it on camera. You're going to have to send something. If I whip it on the table, you're going to need disinfectant on the table. People on the outside. The next guest can deal with it. I mean, I can go around here and I can show you. I know. I need this disease. I want to see it. Oh, God. Oh. Don't touch me with it. It's actually disgusting. I've been telling it. Oh. It's the same with another foot, too. Oh. They look the exact same. How did the military cause that? No, no, no. He didn't take care of his own feet when on a rock march. So while he was in the military, he can blame it on the military. On one march? No, no, no. It was like, so when I was in cut, like just in general, just going around and wearing the same boots in California, we, there was no showers. There was no nothing. You couldn't like, you're basically just, yeah, but does everyone else have those feet? I don't know. Oh, exactly. So no one's been on the dating app since January. No. I don't have hinge, but I haven't been on-- - Oh, mine's deleted. - I haven't deleted it, no, I still have it. - If that's a creatures, this is becoming cheating on it. Like, I swear, it's like, what are we doing here? - Pinch, just search hinge. - Which is shifty. - Our work app. That's how I like get my schedule. Oh, I gotta log in. - Well, for what it's worth, she's logged out. So how many cheese did we do until it, I'm sorry. - You cheated on a guy with him with a guy. - Yeah, that was it, that's all I've done. - Four, I'd say. - You guys haven't been that long together. - So, wait, what are the four? - What are the four? So there's the FaceTime, do you already count on that? - What's the other guy? - He's gay, he's a little queer. I always suspected he was a little gay, and then when he realized he couldn't pull girls, he started pulling guys because I don't like butt stuff. 'Cause I think it's gross, and it stinks, and I feel like I need to shower. - Even though I'll flip her over and eat her ass. - That's being disgusting. You're disgusting. - When did you get with a man? - I never really got with a man. It was just more sending nudes than anything, and FaceTime closed. But I never, - So you were jerking off with dudes over FaceTime? - I did. - Okay. - No, it wasn't like November, no. - It started in November, it went into March of last year. - So yeah, when he split, he went-- - What, it went into March, and said you guys back together in January? - No, it was January. - It was January. It was the beginning of January. - Wait, how do you feel that he's, you know? - I've always suspected it. His sister thinks he's here. - You care? - No, I'm not, like-- - How frequently do you guys have sex? - Like maybe once a month. - Okay. - Well, he's gross, like, and I'm like, that's not me, like trying to dig on him, but like he's a mechanic, he doesn't shower. His hands are disgusting. I don't want him touching me. I have pH-balanced parts that he doesn't need to be touching. - And I have to get her in the mood. - Oh, okay. So who? Okay, believe the name. Does he go back? - You yourself? - So that was one of the guys I matched with on hinge prior to. I haven't, if you look-- - On chat, it's worth it. - I haven't opened them. If you look at it, I haven't opened them. - Yeah, in four weeks. - It's swipe over. There's more than just four weeks. You can open them. Like you can open the messages. - Who's Marcus? - That was one of my best friends' husbands when we lived in Tennessee. - Who's Iceman from two hours ago? - So that's somebody I messed with prior to meeting. - I don't message him two hours ago. - Oh, we talk all the time. We never stopped. - Do you care? - What the fuck? - This is insane. - I just know that because I know the whole story in the whole scheme. I mean, he lives on the other side. - Wait, what the fuck? - It was videos of his dog. It was videos of his dog. It's all of them this morning. - Yeah, Jacob. Now, why is he sending gin pictures of himself? - Because he's a little help. - A couple days ago. - I bully him and he likes me. - She bullies him for a taste. - It is. - You know, consider the shooting. And again, he is a man that is jacking off with other men. And that doesn't-- - I don't care. I think it's me. - I think it's me. - Does that concern you as the woman who is with him? - Just because I think you're a little closeted and maybe you should own that and move down a path that you want to do and not waste my time. - Oh my God, wait, hold on. - Whoa, you guys have been, this is just in the last few hours. - Yeah. - You've been tired in a couple of weeks lately. - Oh, I think he knows that you're on the show right now 'cause he just responded to LOL to the screen recording happening. - Probably. - Dude, if he is very active, he is into you. - Oh, this is the four weeks ago staffs. - I listen, it's a, that's how I stop talking to him. - I click the buttons and you jack it off, which you like. Oh, this is what he looks like. He's a little freer. - He's a little weird. That's why I stop talking to him. - No one ever got with him. - That's why I never got with him 'cause he was weird. He was a weirdo. That's why all of his messages were left unread. - I apologize video editor who's getting this snap. You just saw a big jack. - That was like a normal dick. Put it away. - You don't give 'em. - He doesn't care. He doesn't care about anything. Like I could literally sleep with another man in our bed and he'd be like, okay, as long as like. - Well, I might change, but, huh? - That might change. - What? - Bringing another man to the house. - You like it? - No. - Okay. - That might change what? - So I think, but bringing another man to the house. - Yeah, so that would be too far. - Yeah. - Even though you would like to have sex with him. - No. - He's a bottom. - No, no, I'm on top. - Do you know? - Yeah. - You've done it. - No. I've always been top. - No, that's a lie. That's a lie. - He's entirely lying right now. - Tell me. - 'Cause when he was talking to the guy that he was talking to, he had mentioned that he is the bottom and likes to be the bottom. So they're gonna be conflicting, Jacob. - So you couldn't be with the bottom 'cause you'd both be bottom. - You want a bottom? Hey, someone got to do it. Don't be ashamed. Don't be ashamed. Who cares? Be the bottom. Take the dick. Take the dick. - There's no problem with liking what you like. Like I am not. - I was pointed out. - I would necessarily be trying to continue a relationship with the mother and my child. If you want to just go take some dick. Are you guys open? And at this point now, but it's-- - This is so confusing, guys. How are you doing things? Okay, let's see. - It should be. - Sent. Okay, she's snapping with-- - Currently. - Honestly, I don't even know who this is. - Well, you're snapping with him. Continuously, let's see what's sent, okay? - I do know him. I know him from high school. - Why are you talking with a guy from high school? - So I had kicked out of the house, but I had left myself 'cause I knew he wasn't gonna leave. And he had messaged me, so we just started talking. - And what did you send? - Oh, he had messaged me like a high. So I was like, hey. - You sent a picture though. - Did I? - Yes! - Oh, I don't remember if I'm being completely honest. - JJ Rab. - Most of these people, I hinge, and then I just stalk her. - This is a couple weeks ago. - These are all a few weeks ago. - I will, yeah, like open their messages and then I never respond most of them. - No, those were received as in you sent them pictures. - Oh. - Well, you don't give up, so it doesn't even matter. - So there's no reason for me to even care, right? - I mean, I guess you would care if he cheated on you, but. - To a point, like it's at the-- - What do I do with this? - It doesn't give a-- - It's not the same choice. - It's not the same choice, it's happened so much. - Leave for the kid that I don't feel emotion from it anymore. I'm just not surprised anymore. - Okay, so when you guys have sex, he has to make a move on you. - Yes, yeah. - We have no sexual interest in him. - Barely any, yeah. - I don't leave here. - Leave each other. Go get the dickier dreams. And go get the dickier dreams. - I don't understand. - You guys are together for the kid, but is it even good for the kid? - No, I don't think it is at all. - No, so what are we doing? Is it a budgetary issue? - I, I mean, at this point, it's nothing. - I think it's-- - You could live on your own. I mean, I could. - No, with the things he has to pay off, no, he couldn't. - Yeah, but he could go bankrupt and figure it out. I think it's not the end of the world. I mean, I could still figure it out. - The only reason he is floating right now is because his mom helps pick up all of his bills because he lives with his child. That's the only reason she's willing to help. - Yeah, but again, if we can get rid of his debt, he could live on his own. You couldn't. - Yeah. - And for both of you told me that-- - I mean, that's why she also put an application in for housing. - Oh, you have. - Yeah, yeah, yeah, I'm approved for public housing. - So you're done. - This is my last ditch resort of if he can't get his shit together and stop hiding shit from-- - But you're not attracted to him. - It's not that I'm not attracted to him. He just said you weren't. - He just said you weren't. - No, you said you weren't. - Sexually. - Well, that's a part of a big part of a relationship. - I just think-- - That's not to make a break for everything, but it's like if there's so many things going on, and if you're just straight up not into him, I don't care that you guys, this sex life is low. But if wine is just straight up not into the other person, then what are we doing? - I don't think, like I'm not just not into him. I just think he's a gross shit. - But you said, what else does that mean then? - He just like, he needs to shower and take care of himself. - I don't think it's in a year or so. - Because I mean, when we're in the behind-the-scenes conversation, we notice him. Dude's just talking off the transport. - Yeah, you're right. - I know. - I don't think you're into each other. - And that's what makes me think like, are you gay or do you just like something in your ass? Because he's looking at women who have dicks. So like, do you just want something in your ass? Or are you actually gay? - Well, Jacob, I don't mean I can go either way, but it's just more of a switch, I don't know. - You're averse. - Averse king. - Like you get like bored of something and then you want something else. - Uh, okay, why not? You can break that into the bedroom. - I'd talk to me, I didn't know. - She has a poison. - I do have, yeah, I have stuff. He just chooses not to like-- - Get toys, put it in there. - I literally asked her to see. - Oh, no, no. - Yeah, I won't touch that. He could do it to himself. - No, no, no, no, no, no, I have, okay. - I think that's gross, I think it's gross. - It is. - I don't want any part of that. - It's a King. - It's literally a King. - It's sex. - It is, no, I get that. - If you love him, I also ask her if we could do like have like on the background so that she keeps her head like in the game and she says, yeah. - I just think it's, I don't know. I think that's weird. I personally think that's weird. - I think it's just like, I don't know. - I don't know. Okay. Okay, but if you do leave and again, you make no money here. I mean, told you you have another man on standby. (upbeat music) - Yeah. - Did he found this out in March? - So. - And there's a letter, let me see the letter. What's the letter? - Oh. - Oh, it's an actual thing that's here. - Yeah. - Oh my goodness. Okay, let's see. - So this is from our co-worker, 'cause I got him a job. - Hour? - Yes, so the dishwasher job he got, I got him that job. - And you probably don't give a fuck off this letter, do you? - I mean, do, 'cause it's just more of like, - My co-worker wrote that. - Caleb, don't open till audit. So have you guys not seen this enough? - I have no clue. I have a general idea 'cause I don't-- - Well, okay, this is interesting. Four Caleb, don't open till audit. - I mean, it's her little parrot. - It's, she's not my little parrot. - No, she literally says everything that, she will say words to her and then she'll come back at me and say them and it's the same exact words, just a little different. - No, she just has very strong opinions about it. - Jacob. - Jacob. - Holy shit. - Strap in, folks. Get the cozy fire going and everything. It's story time. My name is, and I am her, well, actually, I guess you knew the fake name. Remi and Jacob's coworker. And Chad's? Chad's is that the other guy? - No, I would have been. - That was gonna be your fake name? - Yeah, but it's too close. - I am Remi and Jacob's coworker. I would like to start by say one thing, you. This man, if that's what you want to call him, is the most disgusting, worthless waste of skin I've ever met. Thankfully, I've only had a few encounters with him, but that was enough for me to see who he really is. Jacob works night, so I don't have to work with him too much. To be honest, I don't know that, to be honest, I don't know what that, what, to be honest, I don't know that what he does can be considered work. He just stands around staring at me. - He does check her out. Yeah. - No. - Yes, he does. He sure does stick it in his ass. There is not a single thought behind his beady little eyes. He just watches. The way he watches is the way a wolf watches its prey. I've caught him multiple times, but unlike a normal person, he doesn't look away. He doubles down. He looks into my eyes. One day, he came in as a customer and he sat at the front and watched my every move for over an hour. Best part is I got fed up and told him to stop because he was creeping me out and he tried to lie and say he wasn't even looking at me. Yuck. I was so upset I had a breakdown in the back until he left. Remy also told me she had caught him checking me out right in front of her eyes, which isn't surprising since he admitted to her face that he found me attractive. And he had feelings for me. He's well over five years older than me, by the way. 21, 26, I don't know, where is she, like a weird victim? - No, yeah, I don't know. - Girl, you had me until you acted like a weird TikTok reddit. Five years older than me and we're consulting adults. Oh, I did it. I just got, like what, shut the fuck up. I tried just being a bitch to him and thought that would make him leave me alone. Instead, I found out he's into that. What kind of man gets off being treated that way? For what it's worth, some people enjoy brat play. - Yeah. - Not me, but some people do. Obviously, I stopped doing that and I stopped giving him attention of any kind. He hates it. I know how badly he wants attention from me and it's gross. Truly toy behavior. But that's Chad for you, you. A creepy, lying, worthless, deadbeat dad who gets off being degraded by a younger coworker who hates his guts. - No one gives a shit about this younger thing. I know your frontal lobes don't fully develop. - Then don't have a job. But besides that, you're right. With all the hate for Chad, Remi and Chad's coworker, PS, Chad is always late and makes Remi act as his mother and tell our managers that he'll be late. He can do absolutely nothing for himself. Very embarrassing if you ask me. Remi, on the other hand, has never let me down. I love her with my whole heart XOXO. - Which I only asked her that one time 'cause I was busy and why are you staring at her while admitting that you're attracted to her to her? - She says that I have feelings for her, but you admit it to me when we were on our break and you were just like, "Oh yeah, I think this is cute." - Show me a picture. - I better not say anything because I'm 10 years older at that point. I'm basically up. - We're not friends on Facebook. - Just look up a name on Instagram or something. - Oh, I probably could have found her. - Ah, what? - That does not, it doesn't look like her. - Her doesn't look like her? - No, honestly, those photos don't look like what she usually looks like on a daily basis. - Look at this Down syndrome woman. - You're into, she's got a dump truck. - Let's be honest. 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If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered meta and YouTube to pay millions for the role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000. - But okay, but if they have extra chromosomes, you don't care as long as they got a dumpy. - She looks. - I mean, I'm sorry, she looks. - I don't blur it, but I'm showing the room. - And she looks. - Yeah. Okay. Okay, I don't know why we're fighting over her. At least she looks like a human, not an alien. Okay, whatever. But listen, I started this conversation with like, he lies to me and like, it's the financial line is what I thought we were gonna go into. I didn't know there was all this change ship. But I was gonna ask you how you guys manage the finances in the household, then I guess I should know. And what does he lie about finance wise? But I think as clear as they, we've established because just literally don't be together. We're halfway through the episode and we already know for a fact, don't be together. Like we know this, right? - Yeah. - He also said this episode is gonna be his last straw, by the way, in his own separate interview. - Oh, good for him. That's, I don't know why it would be his last straw. - You know, why would it be? It sounds like literally she takes care. I mean, you pay for the bills, I will say that. - I mean, that's kind of like what, like why I'm still here is for the bills. - Yeah. - Yeah, right. - It's the only reason to keep him around, right? - At this point, yeah. - So am I just creating a separation plan by the end of this? Like what are we doing? How do two of the finances work in this house right now? - So right now, I pay our electric bill and then like our subscribers. He pays all of our bills so everything's separate 100% yeah, yeah, yeah, and that's how we like it and probably should certainly keep No, so if we were to stay together I would prefer everything coming out of our joint account Have you not heard this conversation so far that's even a consideration for you? I will demand that literally lie half the shit He's a said in this episode you learn for the first time The issue the issue is because I can't see when he makes large purchases or when he does something behind my back I don't have access to his bank account, so I don't like when he went out and bought a gun behind my back I didn't know until I found a receipt. Do I trust you with a gun? You shouldn't he leaves them like three inches above the ground for my toddler to grab Unlock give me a hell yeah You know many kids killed themselves because of that right? It's unloaded. She can't call her back No, that's there was There were bullets in the magazine and you left it three inches above the ground like I have a picture of it Like that is a very freaking story. I'm a gun owner. I like guns. I like the antsy gun. No, but I am anti-bad gun safety Guns a gun like a gun safe like he has a box for it and actively chooses not to use it. I also leave it my car For anybody to break into his car and take well not exactly but I normally take it out of my car when I leave my court. This kid's gonna die Mm-hmm. I guess it has like a halfway decent chance and you hit the purchase from her So she didn't even know this was happening. You just had a way until you found it when your kid was touching a whole awful Basically That's exactly how it happened. That's how 90% of all of his purchases happen is I just find Find either find it or get a random statement in the mail that I'm like what the what is this and how much did it cost? seven Mm-hmm That's pretty juicy. It was definitely 700. Oh, it's pretty juicy I'll just have around without car insurance - yeah, yeah on the kid doesn't even have insurance the kid doesn't have insurance Yeah, so he what are we do guys this is honestly One of the biggest messes and disasters I think I've ever seen like it's actually crazy so he chose to purchase a large amount of tools instead of getting her insurance So instead of putting the $400 a month into his company insurance to cover our child care where he said I decided Because this is what I've been thinking about for months insurance. Yes, our insurance Is that not how you say insurance? Is that not how you say insurance? How do you say insurance? Thank you? Is that a right? I don't know He chose to spend money that we should have budgeted budgeted for our insurance to insurance to Ensure and then it's Instead of making sure our kid who was having seizures had insurance She still had she still had insurance at that time. She had insurance. She had she was on state. She now State insurance because he we got kicked off of state I started making I started making more money and you only get up to that We would have stayed $4,000. We would have stayed on state assistance Had he put her on insurance because they they factor they factor the The amount that you spend on like your bills and insurance to To your income and had he he paid for the insurance she we would have still qualified so we lost our child care payment We lost our well, that was also another reason why I wasn't because we weren't paying for child care The state was paying for child care. We lost our insurance and then we What else do our food stamps make me? So what are you guys? Aliens had he paid the insurance? We would still have our child care child care covered We would still have our I mean while still waiting for my 90 days, and then that's when it like insurance cut cut But he chose to buy six hundred dollars a month worth of tools instead of oh my Dada the dad and she had a tool there. Oh, my you're not one of the I haven't had those before ever Oh my goodness. I thought we'd just stop doing I thought we moved on as a society. You're easy to sell to mm-hmm. Yeah Check the hat Give a snap-on hat. Snap-on hat. This is a sock. Snap-on I have a snap-on sock. Snap-on hat. What do you not get? I have a vest. What she had at work? I didn't know he had all of that Jacob. Would you be with her if he didn't have the kid? And I am an disciplanian Like I mean, yes Why? I Mother's you it's easy. I'm stuck. I mean I'm still a tractor to her. Still over and would you be with him without the kid? No, I mean, I like it's the codependency is the only reason I also like I think it's a lot of I feel guilty because all of his family lives out of state and he moved to my homes Yeah, who gives if you guys aren't He's the one that can go get an apartment like yeah This is insane guys. I really don't understand. Okay So the state of the relationship is Complicated. Yeah, we're like we're like we want to try to work it out and everything and I think you do I like I would like to see It's like an 80-tony Um, but I have very little have a family. This is a just weird mess of They and San it all mean it like in all honesty. She talks to my family more than anything Yeah, I could Yeah, it makes sense if it's into a why she won't leave, which is honestly pathetic the thing is buddy Why don't you want a better life for yourself? I'm so confused. You don't want a better life for yourself in any way. What? So ever man? It's less stress. I wake up go to work It's actually more stressful though if you don't get a better life No, cuz he leaves all the stress to me like he doesn't stress about it at all I do a 100% of the stressing for our relationship So I don't pay attention to her money goes I just go $20 or because mom is there as well Mm-hmm to value out. Mm-hmm What do you guys think your household financial score is today is zero out of ten zero being the worst ten being the best zero Yeah, between a zero and one Well, get just for free again with hammer dot com your hammer financial score new and improve So you can see where you stand in different categories So if you've taken it before take it again see how you've improved see how it works What you need to do to improve is free and just takes a few minutes and if you don't want to be like a guess You ends up on the show make sure to download the otherwise budgeting after one week made specifically for you guys for the average every day American Check it out get your free trial See if you like it and most people do and they take the annual version because the saves Almost 50% and you get the physical version of my 30-day meal plan signed by me mail directly to you and the digital version of the cookbook as well So check those out guys. Check those out Okay, so his mom I mean we talked about the money. I thought she was gifting you money Why do I see his mom $8,000 because I because that's the money that she paid for into my motorcycle when You have a car and a motorcycle. I have a truck a car and a motorcycle get rid of two Get rid of two so the issue with getting rid of any of Listen, I'm all for it. I made him list his car because we couldn't afford bills Which is our only reliable vehicle for him. Yeah His truck isn't worth anything. He owes more on the truck than what it's worth to sell and the motorcycle if he sells it He owes all the money to his mom because if he sells it would make I'd make nothing off of it though You all heard the money parents. Yeah, so that doesn't know so that's you're not a more that doesn't pay off right He's saying that that's because of the bike and I that's not because of the bike She blatantly said that you don't owe her because of bike stuff you owe her for more if you do sell the bike so it's more like 12,000 if you end up selling the bike That's just her picking up your phone bell and paying your your negative account That's not your motorcycle There nothing doesn't care rid of it then Which one more truck really I mean And yeah, you're gonna have to pay a little extra Why the fuck not? What's the reasoning dude? Just because it all goes back to your mom and your own pocket So because of that it's just one of the fact that like I have like It's Jacob's a car guy. Yeah Do it at work. I don't give a shit be attached to your kid take care of your kid Try to be attached to her winner back. So I've been a loser pathetic failure This is metal. This is gears. It is not as important as the human flesh that you created Why you prioritize in an over them? That's pathetic I mean dude go to a glory hole suck a dick take a dick up the ass then you'll be fine You'll be reset. You'll be good then sell this That's your other passion Get on grinder go take a dick my car is more my passion really than that I don't know he is like set on the fact that his car is the fastest stock turbo car That's not really stop. Yes, what is that then? That looks like a Jedi You don't know what a Volkswagen dead is. No Um, why would I what what's so good about it? - It's loud, fast. - Well, loud's annoying. - No, it's not. - He purposely welded a cherry bomb under it to make it even louder. - Yeah, so you're literally just like, you annoy everyone else just for your own benefit. You're the selfish person on the road. Nobody respects you, nobody likes you. To be clear, nobody turns their head at you other than in disgust while you drive. - Actually, I've had multiple people like go, nice car, dude. - It's only 'cause you're $1,600 rams. You're annoying to everyone on the road. Nobody respects what you do when you pull up. How fast is it? What is it, zero to 60? - Zero to 60 is. - It's slower than Tesla. - It's three seconds. - I know that. - I mean, it is. - Yeah, you have all power. You're just an electric motor, it's all power, it's all torque. - Now, it's fun. It's a toy. - Yeah. - I get to actually have fun to a certain extent. - Oh, I'm sorry, it does go errr. - Yeah, exactly. - I don't need it to go errr. I just wanted to go. - Mm, mm, mm, no. I like the sound of the cup makes. - Yeah, you like the sound. I like the feeling in my body when it goes quicker. - Yeah. Or is that when you just eat and play video games or swirl through a table? - I do that on the way back. Yes, my car drives for me. It's modern technology. - I think it's slightly crazy that you have traveling anxiety and a jet, but you're willing to leak. - I don't have traveling anxiety and a jet for safety, though. - But you're willing to eat your food and not pay attention to the road. - If you know that, then I'll let you know. - I've heard my actual reasoning. - I just, I think it's crazy that you're willing to not pay attention to the road, but you're too scared to get on a plane. - So you haven't actually listened to my reason? - Also, I mean, that's exposure, right? If like, I self-driving, I was like, ooh, about like the first 80 times. I was on a jet every day of my life, I wouldn't be afraid of a jet. - But as you won't get in the jet, you at least got in the test drive. - You're not listening to what I'm saying. So I got on a jet six months ago. - And you cried? - I did cry. - Well, again, if I was doing it every day, but if I was doing it every day, it'd be different. - Even then, it's just your first time. I mean, like me going on a plane for my first time, I was like, okay, cool. It's just like a roller coaster. - Yeah, but you don't care about anything. - No. - Well, exactly. - Still, I honestly with how you've turned out, I'd still rather turn out like me and struggle with that. 'Cause I at least care about things. - No, 'cause I can just go through life without having to worry about. - Yeah, but your life's so failure and it's impacting others. But I'm still getting by. - No, you're not getting by. You're having everybody else pick up the slack. And when I leave you, your mom's gonna pull the rug and no longer help you. 'Cause she's only-- - Are you sure? - Yeah, she's only helping out of obligation 'cause it blips with him. - Okay. - The baby. - The kid. - And saying name, by the way, bleeped. Well, who the fuck names their kid that? - It's a town in Wyoming. - That's the worst name of a baby. I've ever heard of my life. - Yeah, so it was queen or princess or-- - Rainbow or-- - Rainbow is a stripper name. So why are we doing this? - Yeah, why are you just people doing this? - Well, it's not basic. - It's like Caleb, at least it's unique. - Well, at least that's biblical. It's like one that exists. That's not even a name. That's-- - I begged a differ. - He's gonna be the first one in a school shooting. - She, but-- - I begged a differ. - What, that's a woman's name? - Yeah. - Say it again, we're bleeping it. Oh, it's like diarrhea on the mouth. What the fuck is this? - I thought that was a Tesla. - Cool, that's fine. You don't have to drive an old horse in here to get that. - I'm not saying it over. - But at least ever. - I'm not annoying to everyone in existence when I'm driving because it's not going, "Oh, like what the fuck is only pleasurable to you?" Everyone else is annoyed. Like people are having conversations, then you come by, and you just disrupt everything. - I can't tell you how many times I'm like, "Can you please stop rubbing like quiet down because you're pissing off the neighbors?" - Yeah, you're obnoxious. You're actually only serving you. At least in my Tesla, when I do self-driving, it's actually more safe for everyone else around me. - I don't know, it's still. - Why do you care? - I still wouldn't. - The reason I care about your cars, 'cause you're annoying everyone. If you just had your car, 'cause you like them, you didn't annoy everyone, I wouldn't give a fuck. - Why do you care about what car I drive? When I'm not annoying other people? - He hates electric vehicles. - I hate electric vehicles. - Why? It's like hating a refrigerator when you have a ice box. - I mean, I'd rather have a ice box in a refrigerator. - What? Okay, get rid of your refrigerator, get home and get an ice box. - I need to be a man, I need to speak gas. Our refrigerator doesn't work anymore. - That's how his brain works. - Okay, that was like the older technology, just like everything else, we make newer technology. - No, we go. - We'll go from electric cars some day to something new, maybe just endless, nuclear cars. - And a self-driving vehicles that are like, ubers around here, or. - Wait, freaking me, the fuck? Well, that's 'cause you live in the soon age. For everyone else, they're great. 'Cause you don't have to have a bad person. - I have first thought that it was like a map car where it was just like updating maps, what is it? - You thought it was like a Google car? - Yeah, but instead of getting a car where a dude's talking to his family overseas and smells like literal death, you just have a car that drives you safely. - Okay, yeah, 21st century, it's very scary to you. I don't really care. The rest of us are gonna progress as a society, and you can be obnoxious. - And eventually get drive-by'd. - His car looks ghetto. - To me, in my opinion. - No, show me, let's just say it. I mean, so this is the one thing you care about in life. - Yeah. - I mean, I'll be the first over his kid, right? - I was just gonna say that. Like, he puts that a higher priority than our child. - I mean, that's insane and actually disgusting. - Yeah. - Now, who's best friend do we owe 600 to? - Mine. - Why? - Baby necessities. - You suck as a mother. - Yeah, I could tell. That was-- - Yeah, do better. What the fuck is wrong with you? Moving to your family gets you shut together, gets you education, and then go and live a life. Well, the man that actually cares about you doesn't have, what is that, trench foot? Like, I don't even know. - That's follow-up. - The military doesn't even know. - Describe it. It's disgusting. - Well, you won't go to the VA, you freak. - Well, I've had two surgeries on my feet. Two separate times. - What are the VA? 'Cause maybe you actually deserve, even though it was actually your fault, not the military's fault for what you did, but you might actually deserve disability. More than most people that have been on the show that get disability, that don't actually have an issue. Like, you actually have an issue. Again, your fault, but, 'cause no one else has it that you served with, 'cause they took care of themselves, right? - They took care of it, they did the surgeries, and then he continued to not take care of himself, so he got trench foot again. - I don't know about Kiyato, other than the purple rims, which is actually really-- Here, this is. I've heard everything I need to sign about it, but everybody else thinks it's cool, right? - Who's everybody else? - Who's nobody else? - Let's make sure we get this picture for on-screen, but to me, other than the purple rims, I would literally think it's just a normal setting that people are trying to find me. - It used to say "merca" down the driver's side with, like, in flag. - (laughs) - Gay! - See, at least that would have been patriotic. - Yeah. - How's this gay? - Yeah, 'cause Pennsylvania's gay. That's illegal to have something on your windshield on the driver's side. - Oh, windshield. - Yeah, it was on it. - It was on it on a different one. - He doesn't like it. - No, no. - It has to be on that one? - Yeah. - 'Cause everybody else does the other way, and he doesn't want to be the other way. - Plus, I want to be different. - That's exactly what I want. - So she actually thinks in the pre-interview process, she was actually thinking the only reason that you haven't gone to get a disability rating is because she thinks you're actually dishonorably discharged, but you're just hiding it. And that's why you can't get it. - No, no, I can get it. I just haven't went there. - This, I've heard. - There's really no reason not to. I don't understand. There's really no reason for you not to. You go to your second job. Why not take that time and go get like the- - The free money. - No sense. - I've been saying that for years, and I'm at the point where I know there's something off about it because he set up the appointment and then actively chose to not go to the appointment. - It is sauce. - I mean, understandably, but like, it's also an hour away from an hour away for a couple thousand bucks for the rest of your life. - It makes, it makes absolutely, and then that's his excuses. Oh, I work. Okay, well, you would make more money if you just went to the VA and got your benefits and missed one day worth of work. Or a couple hours. Leave on lunch. - I kind of agree. And again, you are actually someone that has something, which no one has ever been able to prove on the show that they have something. You were the first one ever able to. - Yeah, I just, I mean-- - He doesn't care. - He wanted to go, but it's just-- - Why don't we leave? - Why hope? This is your hoping for nothing. Daughters college fund 1,300. Who do you owe this to? - Our daughter. So that was in an account that God dreamed. - What? - Yeah. - You took from your own Daughters college fund for what? - To catch up on bills that weren't getting paid. - All while you're getting like a $700 gun and pumping thousands into your car, in reality, with how the money has moved, you took from your daughter's own future for your car, which literally means in a mathematical example, you do prioritize your car over your kit. 'Cause every time you spend a dollar on that car for a purple rim or whatever, could be going to pay and back your daughter's college fund. - Yeah. - I don't know if it was that much, but-- - Well, you admit now you care about your car more than your daughter. - You don't realize anything's that much. - Because that is an actual example right here. - That is a reality. Well, you admit that. - I mean. - Well, we'll say it, like you care more about your car than your kid. - I do like my car. - Well, it's disgusting. - That's pathetic. You're a pathetic excuse of a man. - But on the end. - Because you suck dicks, but because you don't take care of it. care of your daughter that you produced. Ladies and gentlemen, I got something new to help you that we have personally built. Right here on Calebhammer.com, we have new Calebhammer financial resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay. When you're good at debt, I personally use them when I can leverage them for a situation. So we have good personal loans on Calebhammer.com. We also have auto insurance now. You can check for free and see if you can save a shit ton of money on auto insurance. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these programs from personal loans to car insurance to see if you can save a shit ton of money across the board. Go to Calebhammer.com where they Calebhammer financial resources part of the pinned comment or description below and save a shit ton of money. I already launched liquid assets, my official gamer subs flavor, raspberry apple, and it's been selling like crazy. Here's the update. The free gift stacking promo from Christmas in July, especially sold out, for the flavor hasn't. Zero sugar under one calorie, a hundred servings of tub, same new traffic blend, same full vitamin stack, still just four scoops a day max. Code Caleb still gets you 10% off your entire order. And there's still a shot. One out of every 10 that your tub comes with my face on it. All you need to do is head to gamer subs dot gg slash Caleb or click the link in the description below. Yeah. I mean, yeah, because he looks at he looks at her and me as they'll figure it out. My mom will either take care of it or or Remi will figure it out or something will happen. I can just focus on me. No, I do have good news. I'm not really going to have to replenish it with that guns it out. It's not funny. Like you're not that's not funny. It's tragic and dumb. He's guiding the funny. But I yeah, I agree with that. The fact that we're saying with someone who prefers their car over their kid is that's pathetic. You're equally pathetic. Yeah. For enabling this by not leaving. That's why I applied for government housing because at this point. So you've been approved. Yeah, I've been there's a way not though because I can't just get into the way list one to two years. Yep. Yes, it is. Why not move back in with family. Your family's there. Um, my mom, my mom said you got to do it at some point, though, I know I've, I've genuinely considered moving back in with my mom. Like we've talked about it. She has the room for me. What? It's there. Then do it. Why not? Because I want to make this work. Because that is making it work. You're backing off. You're getting through school. You, you, you, you make it, you get a good job, make a good income and you live a great life without a pathetic arm being there. I, I should, I know I genuinely said I just struggle with coming to terms of like moving on from things. I was just saying you wouldn't move in with your mom, though. I don't want to live with my mother like I don't think there's a relationship. There's nothing wrong with my. You just said there is. I don't like my dad. I don't, I don't have an issue with my mom. But like, with, well, but is he there? My dad. Yeah. Well, he threatened to slash my tires and shoot me so I won't let him be there. Me? But does he live with your mom? Oh, no, no, no. They've just recently gone. He's right in that. What'd you do? As a dog. He know he's just actually crazy. No, I, no, I know. He's like actually crazy. He, he got a spinal surgery and they put him on all kinds of psych meds and he went, he stopped smoking weed and doing drugs and he went through like withdrawal. Good. And I stopped talking to him because of it. So is an addict. Yeah. It's not a surgery. So it was, it was hardly even his fault. No, but he's always been an asshole and now he's using it as an excuse. So just an ampoule. Yeah. Yeah. Okay. Well, I would definitely move in now to your grandpa, we owe 3,000. Guys, this is the most amount of individual family that I think I may have ever seen. Oh, there was grandpa. Is it your grandpa? No. What was the, 3,000 to someone's grandfather? It wasn't to the grandfather. It was the, my grandparents are dead. That is your dad. That's your dad. That is your dad. I, what's it? What's it? 3,000 for? Oh, that was to your dad. That was for your schooling. Yeah. What your schooling, what schooling did you ever accomplish? Nothing because I barely went to college. Was this for college? Yeah. I wasn't with him at this point. But that's what I was. Yeah. And it was like, I can, I can learn more. No, I mean, this is the help you guys move. Oh, no. That isn't me. We already paid that off. To who? Do I get paid for that? My grandpa, I didn't put it to your grandpa. Yeah. And it's done. Yeah. When did you borrow this? When I moved back. When was that? January of 2024. So two years ago. Yeah. So you guys have been barred for a family since you guys have been together. Yeah. You, you will never get out of the cycle then. You won't. You guys enable each other's bad behavior, not to be faced any consequences and families always there to bail you out. You with the living place, you with money. And you guys would probably have like split custody anyway. So his mom would probably still take care of it. Um, I don't think he would actually get 50%. Why? I don't think he even wants 50%. Cause he can't. He probably doesn't. Do you? I can't even. If you guys split, well, how much? How much custody do you have? 50, 50. Really? Yeah. I can't even leave him with her. Like, I left her. When we were split up for that like period of time and I want to on a date with backburner guy, I came home and she was covered in vomit, screaming, crying, I'd to rush her to the hospital. What? Like, I don't trust him to keep her. Wait. Are you kidding me? I'm dead serious. What happened? Asshole? I was asleep. It was nice. He was downstairs and she's upstairs screaming. Yes. No, I was asleep. That's like, no, you weren't. You were sitting on the couch wide awake when I walked in. And she was upstairs screaming and I looked and I said, how long has she been up there? Like, how long has she been doing this? And he goes, I don't know. Just started. No, the fuck it didn't because she was covered in vomit. Her entire crib was covered in vomit. The floor was covered in vomit. And you actively said, oh, it just happened. I have no clue. This is the one time you left him home with her. Yeah. What the fuck, buddy? And what world would you get 50/50 custody? You can't take care of this kid to save their life. I mean, I've changed over the time. It won't wait. Every way. What? Yeah. You don't, you don't, you don't. Because it also, yeah. No, your dog, you left him in the kennel with puke for three days. Oh, life. What was wrong with you? The dog wasn't even three days. But the kennel was covered in vomit for three days. That's what he wanted to do. And he chose not to clean it. It's evil. He wasn't even stuck in the kennel for three days. No, he was. I just said that. He wasn't in the kennel for three days. But you left the vomit in there so long that it dried to the pan. So has he changed? No. How are you saying you changed? Give an example. I mean, I don't, like, when something happens and, well, when something happens, it gets cleaned. Three days later. No. Her dog. Shit in there. That day, I cleaned it up. I would hope so. You have to. Because this is a big, basic minimum required for owning a, yeah, a dog. Yeah. And because her dog puked on the floor. I cleaned it up. That's the basic thing. This is not crazy, guys. Like, yes. How are we bragging about that? That's the thing, like, you, you, the grass needs cut right now. All the dishes need done, like, the responsibilities that you assumed as yours. And that's, I'm more willing now to pick up. Does he take the dog for walks? Oh, no. No, he got this job or he got this dog. It's a, it's a German Shepherd. It's still standing on for a specific. Bull working dog has a whole lot of energy under the, the assumption that he was going to take him for a run every day because. Have you ever taken the dog for a walk? Not once. No, twice. No, when I first got him, I would take him for walks. No, you took him for like two walks total. Um, he's now over two years old. So I, I under the assumption, oh, I wasn't, oh, my God, he forgot to feed the dog for today's one. He forgets to feed the dog constantly, constantly. I have to, I can't have the skin. You can't have the skin. The dogs are easy. Mm-hmm. The dogs are easy, dude. I even, I even installed, made sure we installed a fence in the backyard. To make sure that he could just let the dog out. You're in the house? No. No. I got, I got, uh, free fencing, so I just like put it in the back myself. Yeah, it's the landlord now. No. But there's, it's a slum lord. Like where our fridge doesn't even work. No. He prefers ice boxes. So, well, that's why we have a nice box out front. His father, this is the school, yes, school, yes, but I don't have to pay that back. You don't have to. Why? Because he said that I didn't have to. Okay. Um. Okay, I've never seen this in the history of this show. I have a picture of a ripped up bill that is labeled him. What am I looking at? That's a technical tool. Sure. So this is his tool count that I had no clue he had. Um, he comes walking, he doesn't, he checks the mail, he doesn't open the mail. He'll just sit it on the table. It'll pile up for months. So when he walks in and I hear him opening a piece of mail and then ripping the piece of mail up. I'm like, what is going on? What is this? And he was like, "Oh, it's just junk mail." And I didn't think of anything at first. And then two seconds went by and I was like, he doesn't even open the mail. Like what do you mean junk mail? So I went to the garbage, pulled out one piece of paper and it was this one that says payment, payment, payment, with a bunch of dates. And I was like, "This isn't junk mail. What is this?" So I pulled every piece out, puzzled it together, and said, "Oh wow, this is $12,000 worth of debt." I didn't know about. - When were you hoping happened here, buddy? - To have it paid off before I found it. - What's the minimum payment? - The minimum payment is $265, huh? - It's $65 a week, but I pay $70. - Oh, what a guy! - Yeah. - Okay, average is $289 a month. - Yeah. - That's, that's $12,000. - Yeah, what were you hoping for? - All right, and to the point where I would tell her about it, I just needed, I just didn't know. - You think you would ever tell you about this if you didn't find it? - No, no, I didn't, I didn't find out about it that way. Actually, I found out by his mom telling me, because she's still on his bank account, telling me that, "Oh yeah, you guys could probably afford your bills if he didn't spend this much money on tools." Why, what is with you guys and snap tools? Why the fuck go into this $12,103 and 50 cents a day? Well, the minimum payment of nearly $300 a month. - 'Cause it's convenience, then. - Yes, but get some use tools, get some, dude, don't get everything. - We were, we were in the process. - This is my life time warranty. - Something breaks, the truck comes to you. - You can't afford this, it's just, is it? - We were in the process of buying a house when his mom came to me and said, "Hey, this is why you can't afford to live." - Oh my fuck. - You guys almost bought a house together? I'm glad you did. - I didn't, I wasn't signing. Like, I wasn't co-signing. He was entirely doing it himself. - What are you doing? - Okay. - What the fuck are we? - But yeah, when did you guys almost get a house? - Two months ago. - April? - You don't love each other. So, I originally wanted to get a house. So, he could afford to live without me. Like, I need-- - What? - How could that make him afford to live without you buying a house? - So, calculating it out the house we were looking at in the place we, no, it's a house. The house we were looking at was just under, including taxes and insurance. It was just under what we were renting. So, I was like, you know what? Like, let's get you to the point where you can afford to live 'cause if I decide to leave you, I don't want you living in your car. You don't need a place to like watch our daughter and be a father. - Really? You think you'd ever do that? - Apparently not. - No. - But-- - I don't have a house. I mean, starter house, definitely very old, but-- - Yes. - Okay. - So, we were looking at houses and his mom came up to help look 'cause she was gonna help us with all the closing costs. - Someone just bought her a couple of days ago. - VA loan was going-- - I think a thousand to cover the down payment. So, we didn't have a down payment. His mom was gonna help us cover the closing costs. So, I had her come out to just help look. Like, I appreciate your opinion. And when she came out, that's when she was just like, by the way, like, you guys can't afford to pay your bills right now because of his tool. And then, like, two weeks later, is when I got that statement in the mail 'cause I didn't even know what he was spending on tools until then. - Oh, you told her produces that you could use your-- - Co-worker's tools. - I can, but if he leaves, then what? - Then get your tools. - Why am I gonna use somebody else's tools when I can just go get them as bone tools? - And you wanted to get a house. - Granted, yes. But I could-- - Granted, yes. - But, like, I still need my own tools. - Used. - If it breaks, but then what? You'll get-- - If you come homeless, then what? - Or you could go to like, a craftsman and get a whole set for $3,000 versus-- - Your tools? - Your tools? Fifth, nearly 15% of the purchase price of the house. - Just sold for $90, $12,000. - Okay, what is this account? You're getting a lot of shit. That is declining payments left. Looks like a firm or something? - It is a firm. 'Cause you're doing, like, what does the speed pay? You're doing speed pay, gas bill, speed pay. What are you doing? - So when I didn't have any money, I just used a firm. So it would give me that extra month. - What speed pay? - Speed pay. - What was it? - Pay day alone? - No, um, that was-- - What's the-- - That's where we work. - Yeah, that's the restaurant that we work at. So it's-- - You're affirming food at the restaurant, you work out? - So I actually, I asked him to pay for that and I didn't realize he didn't have money. So instead of telling me, "Hey, I don't have money for this," he affirmed it. - Oh, my dude. I was just like, "Oh, 18 payments, something." That's, I don't even know. Well, what are your minimums? Minimum stacking up to on a firm. I don't even know what the full balance is on here, dude. Do you? - Another one that's-- - Okay. - I can do the math, 67. I know three of them, I can-- - 1,111 cents, at least. I mean, it's a mess. It's a fucking mess, dude. And then, what was it? It was like an 18 payments of three payments of fucking-- I was just about 18 and just-- - Go with $62 a month. - What a joke, dude. What a mess this is. A firm. Who's a firm? - That's-- - Stop saying his real name. - That one would have been paid off by the time we filmed this. Same with this one, but what you're getting in same things, you're just using the virtual card for everything. At 35% interest, 35% interest. - That was for-- - That was for our affinity belt, too. - He paid our wi-fi. - Oh, this is all the ones we just looked at. - Oh, my gosh, why? - You guys should just give up. At this point, like, what is there? You know, the fact that you're still with each other blows my mind, like, this felt like an audit. Like, I was like, why even go through the finances? I am, obviously, 'cause you came on. But it's like, guys, you shouldn't even be together. And we established that in the first half. - Right. Unfortunately. - Who has credit one, him? - Before it's all you, dude. Card one's insane, by the way. It's like the worst credit card that exists. - I just need something to bump up my credit score. - Which is why you're above the limit? It's harming your score. Elimit's 500, DO573, 97. - It's probably more now. - It's, yeah. - And that is to help your credit score? - That first, it was supposed to help put them in. - When, at first, when? - When I first got it, it was supposed to help. 'Cause I was just getting gas at that point, paying it, and paying it. - I'll get you guys core security certifications. - And then? - I'll get you that in the trades, and I'll get you in whatever the fuck you, where do you go to school for again? - Engineering. - Okay, and we have some great tech certifications and shit like that, project management. Go ahead and get those useless. People in the audience have converted them into six-figure-paying jobs. Dude, we have a debt forgiveness program on killfamer.com. Personal loans and car insurance as well. But what you need car insurance, so use our car insurance tool. - I feel like I'm still paying like astronomical amount. - Yeah, you'll probably get cheaper on our website. The thing is, I don't want you guys to do any of those except for the car insurance and tell you have changed your behavior. And I don't even know if you guys should be together. So I don't even know what changed your behavior looks like. Okay. - That one's mine. - You have a capital one. - That is mine. - You are late on your payment. - One of them I was, yeah. - Why? - I didn't realize that I didn't have the money in my account when it pulled, so it bounced. - I was a broke bitch. - Am? - Am, yeah, I am a broke bitch. - You guys suck, man. 'Cause you're purchasing on this car that you're getting late fees on that you're not paying on time. You're not at the credit limit, luckily for you, but it's not terribly far away. $528.83, $25 a minute with the payments. You can't even do that. And $6 from Walmart, probably bullshit at that point. Then, Appable Paramount Plus, Goodwill's Wendy's-- - Oh, that's also for Walmart membership. - Oh, membership, I didn't even know you do membership through Walmart. Bookstore. Potentially grocery is potentially bullshit. Definitely bullshit. - The bookstore is for her college. - He did it to your own place again. Guys, come on. Appable bill and raw stores. And then, late fee, it's so stupid of which you've had three, four this year so far. Four late fees, so no, this wasn't a well, oopsie. I just forgot that one time. You guys are just saying, okay, him, let's see. What is it? I think auto loan, Volkswagen. Jada is special little baby for some reason. That makes no sense. Plus a personal loan. So Jada is $9,122.5, personal loan. $1,2,371 in six cents. Why do you have the personal on? - It's for my truck. - Is it worth less than $2,300? What's your jet or worth? - Right now, standing, it's between 10 and 12. - Like 10. - If you actually care about your kid's solid. - I mean, I already have a post on Facebook. - Good. - Only 'cause I made him. - Well, like that was cool. - Well, the jet is at a decent interest, right? It's a bummer that you ask him who signed for it, that's the only reason. - Well, it's a personal on interest rate. You can have fees and shit like crazy. - Most fees are probably gonna be late. They overdraft. - This isn't even on that, though. This is just fees for the loans. And then you have interest. Okay, interest rate for the personal on for the truck that's not even worth it is 13.2%. - 'Cause he told them that it wasn't for a vehicle. That's why you got a personal loan. - Oh, okay, his checking account ended with 238. - Think. - What's wrong? Who knows where that went? Okay, let's see where this go. Energy drinks. - Your big energy drinks, why aren't ya? - No, Mountain Dew. Up the wall. - Wait. - I drink over a little gallon of Mountain Dew. - A day. - Okay, no longer. Make gamer subs, it's very delicious. At home, it is 40 cents a serving with our discount. Link below, 40 cents a serving. Make your energy drinks, your pops, your everything at home. We have their Caleb Hammer liquid assets, financial auto flavor. One out of every 100 gets one with my face on it. That's the special draw. - That's actually gonna ask you if I can have one of those. - Unfortunately, we just don't have 'em. Huh? One out of every 10. I am correcting myself that is updated information. Okay, one out of every 10 has my face on it. And yeah, check it out guys. Link in the description below. You can also get free samples down there to figure out flavors you like. And then it's 10 cents a serving. Much cheaper than the multi is energy drinks. - Every dollar. - Yeah. Mountain Dew, Mountain Dew, Mountain Dew. - Sometimes it's three times a day. Go to the gas station. - Apple cashier, no shit, and overdraft. Mountain Dew, I think, probably Mountain Dew. This is bullshit, man. Mountain Dew, Mountain Dew, Mountain Dew, Mountain Dew, Mountain Dominoes. I don't know, tools, more tools? Different tools, quality tools. Lesson Snap. No. - Quality tools. - Quality tools is, um. - Y'all in different tools? - Yeah. - In multiple. - Yeah, multiple. - I didn't even have that, yeah. Where's that debt? - Yeah, you do. It's the tech credit. The one where she has the ripped up papers. That's from the snap. - From the snap. - No, that was Cornwall. - How much you on snap? - I owe, oh. - He wouldn't get me this paperwork. I've been asking him for three months. - Well, that dude retired, so like he hasn't even shown up. Like, there's, so the guy from Snap on retired. He's gone. - The company still exists, but. - The company does still exist, but they need another person to run his route. They haven't showed up. You can only pay him in person? - Yeah. - No. - Yes. - No, you can't. You can call them. - Mine is on a truck account. - But you can still call them. - Not a credit account. - Like, you still owe the company. - We know it's $15,000 spent originally on those snap tools. I mean, guys, it's all just, "Mount Indu's in Bullshit." "Mount Induels" "Dues in, okay, Mac Tools $20 is $20 a week." - Two weeks. - Okay, $40 a month, dude. Probably like 10,000 hours now? No, no, no, it's probably like 12 of the best. What's your personal loan minimum to payment? - My personal loan is $104. - And Jetta? - $432. - Yeah, you're getting overdrafts like crazy. Okay, you. - That's me. - You started with negative $15. So that's not pretend like you're good, you. - So that was? - For Zal, you had negative for Zal, you dumbass. - That was during the time frame that I wasn't working. - Join account, $3.00, wow. Incredible, a couple that should definitely be together. - What is that? - So that's from having a child. - Okay, 600, you get on a payment plan? - Not yet, no. I haven't even started anything on that. - Guys, so here's the thing. I don't know what to do, 'cause you guys shouldn't be together. Budget is household, budget individually. I don't know, but here's the advice. This is the reality of the situation. Certainly use the DIYs, budgeting app, but more than anything, sell the motorcycle. Sell the Jetta. Pay back the smallest to largest, I don't know. I don't know what to advise you. 'Cause if you guys aren't together, yeah, you are depending on him financially. If you're not together, I don't know, you can't pay bills. - Yeah. - But moving with family, get your cheap ass apartment, man, the fuck off on taking care of your kids and dogs, and pay smallest to largest. I don't know, that's kind of it, but I don't know how to budget you guys. I really don't. 'Cause you guys shouldn't be together, you're not together, you're finances are mess, I don't have all the statements, but that's the basic thing. Or at least with you with all your debt, prove you can budget for three months than go do bankruptcy, or a debt for giving this program or something. But that's like it, it's such a mess. - I always do smallest to largest. - He always do, buddy, you're in debt. - If you look at the affirm, he took out a $900 a firm to partially pay off the snap-on. So he put that $930 towards snap-on. (dinging) O's an interest rate on that 930. - Yeah, it's like 36%. - And still O's snap-on. - It didn't owe it, it was four, but that's. - I didn't know that he took out the affirm until a month after he did that. - Guys, I don't even know what a mess, I can't do this. I can't go through this. There's nothing reasonable for me to do here. The advice is sell those things. Maybe consolidate if you can prove you're a budget, but I just don't even have hope for that. Probably break up. Live with your family, get a cheap ass apartment, and be a good dad, I don't know. Okay, I'm actually interested in calling your backup. I want to see his perspective on this. Well, let's call our backup in the post show. Every financial score obviously is zero. Is that even closer to zero? Every time there's nothing, it's not real. It's that you almost didn't, I'm glad you didn't. Get yours at Calebham.com. Now, join us for an extra 20 minutes. We're going to call our back burner in the post show. An extra 20 minutes of this episode. Also, three premium shows every single day, six days a week over 100,000 monthly active users for a reason, because it's the best membership on YouTube. Join by the join button or click the link below, or you can go off platform with the hammer lead app or hammer lead.com, I'll see you guys there. How does it feel to be this woman's backup option? And she won't leave this pathetic, actual waste of space that she's with. Not the best. I don't like the idea of like leaving him. I don't know what, I don't know why. And this dude rocks his asshole constantly. In the shower, yeah. I use her toys. I just launched the brand new hammer lead app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of hammer lead access or free. Download the hammer lead app by using the link in the description or pinned comment down below. This is the best membership you'll ever join. And that's a promise. I want you to be on the next episode of Financial Outlet right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, then we'll have a great time hanging out. Go to katelapamber.com/apply or click that link in the description below.