The Most Evil Woman In Financial Audit History

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That phone is riddled with men, and it's riddled with cleavage picks to those men, and your photos are riddled with your little, just full blasts and holes and tests. And who knows who that's going to? Because again, unless. It's not going to him. Well, there's like 50,000 other men in there, so it's impossible to know. I've had my Snapchat for over 10 years. And they all have tip-picks. Yeah, I have no words for you on that one. That otherwise is about to launch its biggest update ever. My TM and I have been working day and night, and in the next few weeks, Dollar-wise Web goes live. For the first time, Dollar-wise is coming to your desktop, giving you a bigger, easier way to see exactly where your money goes. Plus, we're launching the Dollar-wise referral games with real money and huge prizes. You do not want to miss this. Download Dollar-wise using the link below and create your account now, because when the Dollar-wise update drops, the games begin. 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 a relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to katelapamber.com/apply or click that link in the description below. Hi, I'm ThvM. I'm 26. I'm Jake, I'm 35, and we live in Dallas, Texas. And this is Financial Outlet. Yes, it is. Thanks for coming down, guys, Phoebe. What do you do up there? And Dallas for a living. I currently just quit my job and move to Houston. Well, that's not a good job, nor is that Dallas, okay? That's. Yeah. We? I would say you. Yeah. Well, what's your job? I was working at a country club and a brewery. Okay. And what was your position there? Serve? Okay. So you're just making that tip money. Good. Well, you better make some money, then. Hope you move to Houston for a job, but let's get what you do for a living for us, Jake. What do you do? I'm a nutrition. Okay. That can make some money. We like the trades. The trades are good. What do you make? A 45-hour. Okay. How many hours a week? Minimum 40. Minimum 40. So what hits your account per paycheck cycle? Minimum 1350. Don't say it. Don't think it. Don't say it. Don't think it. Well, minimum. What's average? Give me average, dude. 1350. Okay. Why don't you say minimum? Okay. 1350 a week. Yes. Okay. So 1350 a week. After taxes and insurance. After taxes and insurance, that is what that is. I will times that by 52 and I'll divide it by 12. We're making an. Okay. Well, for her quitting your job, yeah. Okay. The 5,850 will make it work and I know you can make that work in Dallas. Okay, so thank goodness. Why'd you just quit? It's going from dual income to single income. Socks. We broke up and I moved in with my sister. Why are you. You're probably a break. We're trying to see if you can make it work. Oh, if I can make it work. Oh, am I the fixer? Okay. Well, that's going to lead to a messy situation in this stack. Especially when. I mean, you were probably paying for the bills and everything, right? You had to go move in with your sister. I would pay either the water bill or electric every single day. Exactly. Meaning he kept the roof over your head because he was making money and you were making tips. Yeah. How long have you been in Houston now, girl? How can I make this work? Maybe I can, we'll see. A week and a half. This is fresh. Yeah. You even accepted to come on the show before. We applied a couple of months ago. We applied separately and they wanted. Wait, how long have you guys been separated? Two weeks. Yeah. So you guys applied to come on the show together? Oh, fuck. Yeah. So this has just happened right before you guys came on the show. Yeah. So from the separation, you immediately just like. How long have you guys together? Ten months, roughly. Okay. I mean, it's not a massive amount of time. I mean, if I can save it, we'll see. But ten months isn't huge. Okay. So what happened? I guess that should be my question. Which by the way, this is a massive stack of paper. I'll intertwine and figure this out. And it's going to be a mess. But how long. Or what happened? So we started dating or we met in September, I met her at her work. What's going on there frequently? Met her there. And. Well, I'm glad I'm hearing the meat story, but I'm asking why the fuck it ended. If you want me to see if I can get you guys back together, why did it end? Trust issues and. Oh, here we go. A huge fight on the 4th of July. Well, everyone fights. True. That's what a couple is. True. If you can't handle a fight then I don't think I'm going to be able to get you guys back together. If you can't handle one single fight. What are you doing? I'm looking at him like a. A chicken. Sorry, I just. I don't know. Like, yeah. People go through hardships. You just work it out. You talk it out and shit. Oh, okay. Fine. You're a perspective. Go ahead. Yeah. Go ahead. He. Perspective of what happened on the 4th of July? Okay. Sure. Let's learn what happened on the 4th of July. We got an argument because I told his sister something I should have. And it ended up going way out of hand and then. Did you tell his sister? Some poor parenting choices she had made in the past. Yeah. Do we have kids? We have kids. We may have a kid but separate. Yeah, not together. Are you guys just in and out of relationships? No. My kid's six years old. Yeah. She just got divorced. Then other woman. I just got divorced. And my son's too. What is this? A divorce. Last Thursday was the official date. What the fuck are you doing, guys? But I've been going through my divorce for almost a year. Okay. We got together while she was going through her divorce. How long were you separated from that guy before you got with him? Maybe this was just men as a rebound. Maybe it was men as a rebound. And like, why the fuck were I saved that? I don't know. How long were you away from that guy before you got with him? It was Rocky for the last year before. Yeah, but when, how long were you apart? Two months. Okay. Oh, it's not very long, but it's fine enough. So I guess start dating. Like, that's okay. Okay. Okay. So, okay. How old's your kid? He's two. And you said six? Yeah, he's just turned six. Good. Were you guys all living together? Yes. Yeah. Where's your kid now? He's with his dad. We do 50/50. Where's his dad? In Austin. I think this is a whole Texas triangle situation. Where's your kid? That's cool. In Dallas. Yeah, in Dallas. Okay. So you have to stay in Dallas. That makes sense. If we're going to make it work though, you just move to Houston. What would you do? If I can get this magic, magic glue back together. How would we make it work? You just moved to Houston. Maybe long distance for a while. Really? When you guys couldn't even work in person, you couldn't handle one conversation. Do you think long distance is going to work? I can handle a conversation. It's him that can't handle the conversation. I got tired of having the same conversation over and over again. And you're not changing anything about it. Hmm. You should just see you next Tuesday. Sure. But my family, I'm not dating my family. I'm not dating your family. I'm talking about us in general. I got tired of the fact that you couldn't stop talking to certain people and continued to engage in that behavior. What? You're not allowed to have guy friends. What? I'm not allowed to talk to guys because guys are automatically going to fuck me. Well, that's weird. You know, unless they, you know, they kind of, like, she would have to say yes. I understand that. But she was being inappropriate with people. What the fuck are you talking about? That's not being friends with guys. I wasn't being inappropriate. He could read the text messages. I can't read the text messages because it's on Snapchat. And Snapchat deletes everything. Yes, it seems. There was specifically, there was specifically someone in general whose name we won't use. But you know who I'm talking about. Yeah. And I stopped talking to them. They were blocked. Wait, what? We have to worry about how many times though. And then you expected the trust to just be built back again and be perfect? I've stopped what, like, six months ago almost. It's been about five months since you stopped talking to that person in general. But then there was other people that came into the picture that the trust still wasn't fixed. And you continued to talk to guys and engage in conversation with them instead of focusing on our relationship. My friends from back home that are guys. You took priority over that. Instead of the fact that I told you it bothered me that you continued to talk to these people on a regular consistent basis. Instead of, it wasn't a, hey, how you doing? Quick, quick check up. It was continued conversation. lasted for weeks, months. - No, it wasn't. It was literally maybe a week long because they asked about my divorce and what they did because they wanted advice. - You said news to a specific person though. - How's that advice? - We'll call him Dave. - Who's Dave? - I'll just say the name, we'll-- - Okay, yeah, that was five months ago. I fucked up. - You guys were together for, but you were like five months into a relationship. - We were like three months into this relationship at the point. And then you continued the behavior again. - I know, and I fucked up. And since then, I had-- - Okay, but the trust wasn't fixed though, so how do you expect me to trust you again when you continue in the type of conversation with other people? And I don't know what kind of conversation it is 'cause it's on Snapchat, so it gets deleted. - I'm barely even on Snapchat. I do my little streaks and I get off. You know that, but you assume that-- - That's what you tell me, but that's not what I know. And if you're trying to fix a trust with somebody, what you should be doing is not being on it at all. - If that was a clear boundary, you set whether or not we agree with it, that as a boundary he would set, did you set that boundary? - I tried to, by telling her I had a boundary. - Okay, what about the girl that you texted out of fight? Oh. - Yeah, I texted her all of the fight to prove my point that it bothered you. And it bothered you. - Well, I didn't even bring it up until after we broke up. - But you admitted that it bothered you still? - Yeah, after we broke up, I was gonna let it pass. I was just gonna, I fucked up and he can f*ck up once, but after he texted some girl back home. - What though? - Happy Father's Day. - 'Cause her kids dad passed away and so I joked around with her. - Sending her a topless pick and. - My kid was in the photo, we were swimming all day and I took a picture of me and my son and the mirror and said happy Father's Day. - Wait, we call that topless when a man sends a shirtless picture? - Thank you. - We call it topless? For men? - That's topless. - That's topless shirtless. - I would say, - I can walk around with my shirt off outside and it not be a big deal. It's different. - How are you gonna win the trust back? I can't win the trust back for you. If you set up the clear boundary of no snapchat, why would you just keep going snapchat? - I have some streaks that are over a thousand. - That's more important than your boyfriend. - They're all girls. - And that's more important than your boyfriend though, 'cause he's set that boundary. - You're not the one with a girl though, am I? - You're talking about one that I have. - You might need to believe some names out. - I deleted, I deleted and I talked to before our relationship even started. - Yes, but then you continue to talk to him on snapchat and Instagram. - Look at the messages where it's right now. - It doesn't matter why are you talking to somebody that you were potentially gonna sleep with before me. There's no need for that kind of behavior. - Congratulations on going moving to a duty station, 'cause it was within us. - He wants sex from you. He's not worried about what's going on in your actual personal life. - Yeah, he asked if you could get a drink and I left him on red. I was like, I'm not engaging in that conversation. But you're engaged with it before him. - I just said congratulations. - It's like you like the attention from them until it gets to a certain point and you just dance around the line and get potentially blur it. - No. - Yes, that's what happened with-- - I fucked up with-- and I know I did. - Okay, so how am I supposed to trust that you're not gonna (beep) with other guys when you won't stop the conversation with them completely? - That's the point. That's the point. And that's not unfair. Why haven't you not listened to the boundary? That's put. Again, we can disagree with the boundary, but if that's what it was, you were choosing to continue those conversations of what you mean with them. One time, you fucked up with three or four times. - Oh my god. - Two. - Two times. - Tell me and form me, please. - Okay, we first got together and we, I met her in September. We started having sex in October. Her before exchanging news in October, I saw them on her phone and I said, "Hey, who did you send this to?" This isn't to me and she's like, "Oh, I sent it to you." I was like, "Don't lie to me. "I don't care right now, we're not dating." But tell me the truth. She wouldn't tell me the truth until 12, 24 hours later, whatever it may have been. Okay, that was the first time because she lied to me. Even though we weren't dating. - But you lied to me. - We weren't dating. - I told you, if you lied to me about something that's small, how am I going to know? You're not going to lie to me. It's about something bigger on later. I told you that. I remember having that conversation. - So you didn't have him been able to trust me? Is that what you're saying? - I looked fast because I was like, whatever it was a simple, stupid, young air, I'm just going to let it go. Then you continued the conversation with him, even though you told me that you stopped it and you left him on red. That was the last conversation we had about him until I found more stuff on your Snapchat from him. - He sent me a funny picture. All I did is laugh at it. I never responded. And that's what he assumed was like. - You guys were best friends on Snapchat. You have to respond in order for that to happen. - How did you find the second time? - I went through a phone. - What was calling you to go through the phone? - Just at curiosity? - No, he goes through my phone all the time. - All the time? No, I've gone through a phone six times, maybe. - Is it every time? - Six times a month, that's what he's saying. - Every time I've found something on your phone, I've told you before, I would love to go through your phone and not find anything. - You cannot say that because the last time you did, you were like, oh, I was surprised. I didn't see anything. - What time are you referring to? The time when the day we broke up? - No, before that, even before that, even. - No, that's not true. I found the messages from some there. - Yeah, he was asking about-- - Is somebody f---ing better there? - I have a lot of guy friends, but that doesn't mean I'm having sex with them or just exchanging any-- - You're just hoping you're only texting your women friend, Streaks. - Yeah, those are Streaks. - Okay, that's it. - You had Streaks with the guys, though, too. - Why did you specifically tell Devon who's producing your episode that you don't have any girlfriends? - Yeah, they're not in Texas. None of my friends are in Texas. - Oh, we're really pushing the goalposts on that, aren't we? - And that's not true. There's girls that you work with that are friends. Girls that have watched your kid before that you talk to. - So my babysitters are my friends? - Is not a friend? Is not a friend? - Do I hang out with them outside of work? - You don't choose to. That's not, but you could still hang out with them and form a relationship with them instead of forming relationships with guys who I'm not comfortable with at happening. - Have I hung out with them outside of work, either? - I don't hang out with any other guy, basically. - Yeah, how about the time where you stayed at work when you told me you were gonna be off at a set time and you stayed at the bar and talked to me for hours and came home drunk when we had plans to do something else? - Yeah, I did fuck up on that one. - Yeah, and then talked on. - And then talked to you. - And then talked about you. - What? - She heard that we're having a conversation. They worked together at the brewery that I met her at, right? So she obviously had to keep somewhat of a relationship with them because they were co-workers. - Yeah, yeah. - But she could separate the boundary and not be inappropriate with them, but instead she got off work early one day and continued to stay there and drink with them and get and talk about having sex with them. - How'd you know that? - Saw messages on her phone about it. - No, he did not see over. - He sent you a picture of an Eiffel Tower 'cause you wanted me and him to have an Eiffel Tower with you. Tell the truth. - Don't lie, we always catch the lie. There's no reason to lie. How many men are talking sex shit, too, well with them? I can't repair that. - I haven't talked to any guys sexually since that. I f***ed up on that and I haven't looked at that. - When was that, when she sent nudes? - Yeah, that was in March. - So you were sending him nudes after the fact, right? - Well, I was not sending him nudes, but we didn't talk about that and that was in March. And I f***ed up and I apologized and I've been trying to work on our shit. - And how have you built trust back? - How have you built trust? How have you worked on this? - Oh great. - 'Cause the only thing I saw that you possibly did and I don't know for a fact is you blocked, stop talking to him, but you could have blocked him, unblocked him, continued the conversation and just got better at hiding it. 'Cause once trust is broken, that's kind of what it does as somebody, right? - I really think that I'm secretive. Like I'm gonna block him, unblock him, block him. No, I'm not going to. - Okay, open your phone. - Some pictures, sorry. - Okay. - And the other thing that you didn't do was you didn't cut off the conversation with all the other guys. Even if it was just friendly banter back and forth, you put that over a priority instead of our relationship. You should have been making me feel more secure since the fact that you did break the trust. You should have made me feel more secure. - I have a lot of guy friends and I've had to have him since I was like 16. - But listen to yourself. - Is that the person you're wanting to try to grow life with though or are those just people that you, you know, want to like a picture on Instagram every once in a while? 'Cause that's all it was I wouldn't be complaining about it, but that's not what it was. - It was sending news, which I mean, the moment that someone starts sending news to people, I'm then also kind of, I'd be sketched out that they have them any guy friends. - I've never sent any other news besides that. - How would he know though? 'Cause that's what he caught. That's what he caught. - I'd be careful going through my pictures right now. - I'm not going through your pictures. I'm trying to get you on Wi-Fi. And also, again, isn't that the issue though is he was going through the pictures and he found it? Dude, you broke up like a week ago. A week ago. Now what are you doing? Immediately, the moment that I'm assuming at this point, he broke up with you. - I broke up with her pretty much then. - Yeah. - I asked him what was going on pretty much. 'Cause he came home from work and accused me of cheating because I shut off the last six weeks. - I didn't do you, I didn't do you, I didn't do you. - You asked your phone, you said are you cheating on me? - I literally asked you a question. - That's accusing if you're asking somebody if they're cheating on you. - That's a, why would you come home? - Is that accusing if you ask a question? - Why would you come home and ask that? - Because he hasn't talked to me in six weeks. - Six weeks while you guys live together? - Yeah. He was literally shutting me down. - We said they'd tell me about it. - It wouldn't talk to me. - Give me context, tell me about it. - It's from the fourth of July thing. He started literally pulling back and not talking to me, those whole talks. - 'Cause after the fourth of July, we got that huge argument that involved both of our families and I still shut my family out and continued to be focused on you. - You didn't shut your family out, though. - Who's told them that I was going to continue to date you, even though they didn't think that that was what was best 'cause of what had happened. - Oh, well, so you're not taking their opinion is shutting them out? - Who's-- - Oh, a friend from high school. - Okay, well, I mean, we're sending this. - Oh, yeah, that's normal. - Okay, this was 10 months ago. I know when you guys got together. 10 months ago, like this is, this is the case. the guy that you're continuing to send things to. - The ones that were sending-- - Yeah, who is? - Dude, I didn't even know who. - Oh yeah, I'm-- - There's a whole collection. - That is he and that. - Oh, I've never talked to him like that. - I don't-- - I never talked to him like that. - It's literally an empty screen at a picture of my face. - Of your tits? - That happened to be in the picture. And it's not full tits like that. - What do we think the intent of this picture was? - Get some attention. - No, it's the boobs. - That wasn't a face picture. And that's this one person. Some of all you guys are together, dude. Now let's see who this is. 'Cause who old do we have in here? Let me tell ya. Okay, that one's not horrible. But again, so he wasn't talking to you. When did you start the no talking in your mind? - Right after the 4th of July, it was pretty rocky from then on out. - Why is it rocky? Please explain. - Because I felt like I put in the effort by-- - That's bullshit, we had a problem at his family's house. - Okay, we'll believe James, don't freak out. - Tell me. - His sister and him were involved. It, he slapped her ass and my sister saw it and it was-- - Uh-huh, where was it? - My sister was standing in front of the trash can and was blocking it and I slapped the side of her butt to get out of my way. Get out of my way. - Was my sister's butt? - Yes. - Yes. - Okay, so what happened? - She saw it, Phoebe did not see it and she-- - Oh, her sister saw it. - My sister saw it. - Oh! - When my sister confronted her and her sister about some choices that they had made and some things that they decided to tell my sister, her sister, all of a-- - Oh, she's high in mind. - Phoebe's sister all of a sudden decided to try it. - She's a whole high in mind and I'm the bad guy. - Phoebe's sister all of a sudden decided to tell Phoebe about it and-- - No, she cussed me out, called me every single name on the book, said I'm a bad girl. - Okay, if you're at such a problem with it, why don't you just tell me about it? - If your sister thought it was so inappropriate, why didn't she tell you about it, the second it happened. - 'Cause she forgot it happened. - 'Cause it wasn't that big of a deal. - No, we were all drinking and-- - The context behind it was my sister was standing for the trash can and blocking the trash can and I smacked on the side of the butt to get out of the way. I didn't walk up and grab her ass and be inappropriate with her. That's what your sister was trying to paint the picture in a way. - Yeah, that was kind of crazy. - So when I asked him about it, it literally went from, oh, it was a joke. The second day asked him about it, oh, I thought she was you, which she's a foot taller than me, blonde hair, looks nothing like me, so that confused me. - 'Cause to me, it happened at the moment and I didn't even matter because it wasn't a big deal and I was drunk when that whole day basically and to me, you were taking a part of the fact that the other bigger problem that we were having and you were trying to pin something around so it would take the blame off of you. - No, that was not the case. I was confused. - Well, that's how I took it. - It's this tip, it's tip, it's tip, it's tip, it's. It's so you send to these men, it's this tip. - There are not literal titties. - I deleted that guy. I stopped talking to him 'cause he was baby. - Yeah, two months into your guys' relationship. - Yes, I quit money, so you download a budgeting app. - You start with the classic one, YNAB, but everyone just deletes 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 'n Money, that he got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they wanna 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. 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. - Yeah, we were-- - Two months into your guys' relationship, you're still sending tip picks? Well, we'll see creepy. How can you say someone's creepy if you're the one sending borderline news? - 'Cause look, he saved every single one like that. - So it's Snapchat. Also, stop sending them then. Are you-- - Touche, I get it. - I mean, come on. - That was a long time. - Yes, it was, but you're continuing it two months into the relationship. - When was that taken? That was so long. - Yes, that picture. - That one picture, though, that's what he's trying to say, is you continued sending pictures doesn't matter what it was. - And all these people, like you stopped talking to what two weeks ago, 'cause two weeks ago was the last message. - I don't know, like I-- - Two weeks ago! - Guy? - Yes! - No, I had stopped talking to him so long. - No, two weeks ago was the last message. - Well, that's because I left him on red, and I've continued to leave him on red. - Maybe. - I stopped talking to him so long ago. What? - Oh, nothing. It's just a different app. You have a lot of notifications coming in. - Oh, I don't like-- I don't check my notifications ever. - I don't know, man. And then why, okay, so you guys just broke up and I haven't gone through them, but if I do, they're probably crazy. - The other thing she never did until after the fourth year, I would put anything about me on social media. - I don't have social media. - That's a bullshit, because I put-- - Okay. - You were on my story multiple times. - There was a picture of my hand holding a drink where we were at dinner. You can't tell it to me. There was nothing that showed actually me and you together. It looked like you were just on a date with some guy taking you out to dinner. That's how I felt like you were treating me. Just somebody that helped you get through your divorce and rebound off of, which if that's what I wanted to be, I told you it would be in the beginning. That's what it could have been. We could have just had sex, had fun, then that would have been it. - No, I was just being-- - You told me that you fell in love with me and that you loved me and you cared about me, but you followed your actions. We're showing something completely different. - Well, talking to other men? - I do love him, but it's-- - Well, talking to other men though. - Not sexual. - Have we seen those pictures? She's still talking to this man. Now this photo is not from what you guys were together, but she's still talking to the guy she sent this to. - That was along, put that up there. - It's just a little booty, no hole. - Okay. - That's a lot, right? - Who's that guy? - I mean, this is like Tiddy, and you used to be fat. I'm glad you're not anymore. - I was pregnant and postpartum. - That was pregnant during that time? - No, that was after-- - Hold on, shut the fuck up. - I gained a lot of weight when I was pregnant. - Clearly. You're not anymore, so that's why I'm-- - Thank you. - I'm feeling okay, calling you a fatty. - That's okay, I know I was fat, I was big. - No, you're fat, fat. Okay, what-- - She was definitely keeping options open. - Yeah, sure, I mean, what was the social media thing? What was the big issue? - That wasn't-- - I don't have social media, so I don't, I don't, I don't, I don't, I don't engage in media. - No, I'm not. How are you supposed to know if I post you right now? - 'Cause I would see it on that. When I went through a phone, I would look at it. She talks to so many minutes, crazy. - I don't talk to them, though, that's a big issue. - No, you just had cleavage photos. - You just snapchat about talking. - You just said cleavage photos. I'd rather you talk than do cleavage photos. - You can also talk and type something in those pictures, too. Those are the ones that they just happened to save. There could be other ones where you guys were actually having conversations on bill because it's snapchat, it's all deleted. - Now that's the thing, here's the thing. And this is what's crazy. And we're not going to go through it in detail. If you guys just broke up a week ago, who are you recording these two? - Oh my goodness, those are-- - Again, we're not collecting that. We're not clicking on them or watching them on camera, but we know what they are. - Yeah, she's not thought to me. - Yeah, those were me. - Why? - When you guys broke up? - Yeah. - Check her notes. - Huh? - Check her notes. - We had sex yesterday. - Yeah. - One notes. - Oh, so what do we do? What notes? What are you talking about? I don't know. - Notes, go to notes. - Notes? - No. - Yeah, go to notes. - He's going to see a lot that he probably doesn't want to see. - Well. - Yeah. - I thought we-- (laughing) - We are on a break, meaning that we are actually broken up. She's not living with me anymore, but we did have sex. Yeah. - Twice. - Three times. - This is one of the weirdest things I've ever seen in my life. - It's notes. Collaboration. - Okay. Yeah, you guys have a collaborative folder of every sexual-- - What is this relationship, guys? What is this relationship? - It's complicated. I still care about it, and I love her. But I broke up with her because I did not want to keep going down the vicious cycle of not seeing anything change. We have great sex, though. So we've had sex a few times after. - Phenomenal. - Well, you guys are broken up. - Yes. - So what am I repairing? What do you guys want? - I want to be able to trust her again, and actually her change for the-- and make a permanent change. And I just stopped talking to one guy that I caught her talking to, but it can stop the behavior of talking to all of them. - So on your phone here, again, did this-- who'd this go to? Do any of these go to anyone else? - No. - Would we know? - No, I don't. - Would he know? - I wouldn't know. - Do you trust that they go to no one else? - No. - But you guys have been broken up for a week and a half. - Yeah. I don't like sleeping around and doing that kind of stuff. - Sure, Dan. - You started sleeping with me two months after you broke up with your husband and slept with somebody else before that. - Yeah. - Oh, okay. - And I'm not freaking out about-- - Yeah, I'm not freaking out about-- - Okay, okay. Well, now, great. I know what you look like naked, that's wonderful. - It's pretty nice. - I guess it's fine, it's good. - Yeah, it's a little hurtful. - I mean, that's crazy. - That was him. - That was him, he wanted that so badly. - Dollar wild. - Okay. - And I like wild, wild's fun. But the thing is, do you want to get back with her? If we can repel trust? - Not unless it's something permanently changed. Yeah, like if things were actually changed and things were actually gonna be different, yeah, I could see a future with her. - So you guys have a good sexual relationship, clearly. - Yeah, and when things were good with us, like we have fun together, it's going out and doing stuff together, we have a blast together. When things were good, they were great. - So what can you do to rebuild trust? What do you think you can do? 'Cause honestly, that phone is riddled with men and it's riddled with cleavage picks to those men and your photos are riddled with, your literal just full blasts and holes and tests. - And who knows who that's going to? Because again, and this, but-- - No, it's not going to him. - But Snapchat is impossible. 'Cause as he says, it disappears. And how can he trust that it's only going to him? When literally, only a couple months ago, news were going into someone else. How can you rebuild that? Tell me. - Delete every single male on my Snapchat. - Good. He put that boundary in and you didn't do it. - I know. - So he broke up with you. - Did he break up with me because of only that though? Because it's just-- - Well, the big July thing, which is honestly just crazy. - Yeah. - But they knew where to-- - No, it was crazy from everyone's end. It was crazy from your sister's end. It was crazy from-- It was like-- - Well, why'd you not talk to her for six weeks? Because even if I get you guys back to-- - I didn't talk to her for those six weeks because I didn't see any behavior changing with the Snapchat and the texting of the other men. And then also, there was other red flags that were brought out-- - Oh, what? - Brought out the July. - What? - In fact, she couldn't own up to her responsibility from the fourth of July. She was trying to pinpoint it on my sister, trying to pinpoint it on me, trying to pinpoint it on everybody else and set up for her part of it. - I didn't like her sister's ass, and I apologize to your mom for getting them involved, and you still didn't think that was enough. - Okay, we're, we're, we're, stand up. - Mm-hmm. - Have fun with this chat. Get close to him. Get close to him. Get close to him. Get close to him. Get close to him. Very good. Turn around. - What? - Turn around. Where did you touch your sister? - Side. - Okay, that's a bullshit. - I didn't even see it. - That's a little weird to me. Why are you touching our sister's there? That's, I mean, I would feel a little. - And it was like, move out of the way kind of thing. It wasn't like, I didn't walk up and grab her ass and shake it. - No, everybody slept it. - I like, move her out of the way like this. - Yeah, but why is it, why does it have to do this? - For a test kit. - Why does it, I don't care what it was for. Like, moving her is fine, but why can't it be back? Shoulder? - Yeah. - Anything else? - Why does it have to be cheap? 'Cause I was expecting it to, I was expecting us to get a little here. - Yeah, maybe it was, my hand, that anger was bad. - Oh, no, you did fold. - No, I did not hit full cheek. I hit the side of her right here. - Nah, dude, when you just grabbed, that's our cheek. - Okay, well, I hit the side of her. - So I confronted her, asked her if she was okay with her brother slapping her ass. And she was like, oh, yeah, it's cool. - 'Cause I didn't know. - 'Cause I didn't know where to go. - We're to them and that's okay. That's, that's, fire. - Okay, but why does that trick? - He has all these boundaries and then I can't have, like, that doesn't seem like it should be a boundary. - Well, going for conscience. - Going forward, sure. I mean, you could say, yes, it's weird. Let's not do that going forward. That's fine. Would he not agree to it? - Yeah, but he changed his story three times and that's what it made it so confusing. - Because you're arguing with me about something to me that wasn't a big deal because I wasn't being inappropriate with my sister. - No, you even said that at the end of the conversation, it made you feel gross. - Because you continued to try to paint me as somebody that I wasn't and put in thoughts into my head. So yes, it was making me feel like it did something wrong when I knew that I didn't, though. But, anyone else think that's gross? - Everyone thinks it's weird. The thing is, if all you have to do is lay down the boundary and just say, "Hey, I don't want to do that again," and that's a little weird to me. - Yeah. - That's why instead of being like, oh, you have (beeping) and says freak. - I didn't say that. - Oh, okay, I never did. - I never did. - Well, I never did. - I never did. - But that's what you were insinuating. - It wasn't what I was insinuating. I just asked if there was anything else I should know. And that's it. That seems like a very broad question. You've seen it, I've seen it, we've all seen it. The dreaded lack of accountability. - 'Cause the thing is, guys, I immediately have, at the top of this document, loans to each other from each other. Like, this is gonna be such a (beeping) mess. You guys independent or you guys together? This is gonna be such a mess. - Right now, we are broken up. - I know you are for a week and a half, yet you're still (beeping) giving her raw loads last night. I mean, are you not afraid of pregnancy? - Yeah. Yeah, I mean, I don't want to throw that curve ball into the mix. - Well, I mean, I saw those photos. I assume there is no condoms involved here. You guys are way out. All your guys are way beyond condoms. - I like to be a Twinkie. - Oh. (laughing) - You're not ugly, but come on. I mean, just like, it's not what I want to picture at this exact moment. - Sorry. - Okay, so that's what happens? Are you on birth control? - No. - Not right now. - Not right now, 'cause my ex can't, got kicked out of the military. - Close your ears if you're a child or something, which you shouldn't be watching to show you. But, did he come in the last night? - Yes. (dramatic music) - She's on her period, though, so chances are pretty low. - Pretty low, not zero. - Pretty low. Okay, fine, does he come in you other times? - Last two, three times, he pulled out, but before that, pretty frequently. - You're lucky, she hasn't gotten pregnant. - We've had him miss out. - We have. - What? - We've already gotten pregnant. She hasn't been scared. - Yeah. - Geez, did you wanna have a kid? - We weren't trying to. We just weren't doing anything so far. - Were you going to? - Would we have had it? - Yeah, I don't know. - Were you guys prepared? She says she doesn't know. - No, we weren't prepared. Our relationship was shit at that point. - It's shit, it's been shit. When was it ever good? You had a couple good days. - Yeah. - So when did you get pregnant? - We found out in November. - Sick. So, literally when she was sending the dude other news. - No, that was before. - It was before, yeah, but okay. - Yeah, come somewhere else. May I just recommend? Many places to do it. - All the hormones from the miscarriage, it was-- - Bad times? - Yeah, it was a very bad-- - There was a lot of us to deal with and we didn't probably really process it and deal with the whole thing. - No one encourages the miscarriage. That's very hard. But again, what would you have done if it didn't miscarriage? You suggested earlier that you would have ended it. I would have kept it if it wasn't, like it's-- - Okay. I don't think it would have saved our relationship. - I don't think so. - Well, no, a pregnancy doesn't save relationships. I don't think so. - I don't think so. - We were pregnant before it stopped. - Less than two months, I think. - So what are you guys doing those two months? What was our brains? 'Cause this could happen again. You guys are not-- - We didn't know that she was pregnant until, so she was probably pregnant in total of two months. We found out months, six weeks, and then shed a miscarriage a few weeks after. - Okay, so two weeks ago, yeah, three weeks maybe. - Cool, what was in our mind those three weeks? 'Cause again, that could happen again. - It was very worrisome. - It did last a lot all at once. I think I moved in around that time like I started moving all my stuff in. - Yeah, I was definitely worrisome. And I think we're still trying to salvage a relationship and work on things, but that just threw a whole 'nother wrench into it. Hormones, discussions about the future with it. - Yeah, kind of made me depressed a little bit afterwards. - Oh, yes, I bet. No, I mean, I'm not questioning that, but I am saying that literally last night you guys did it again. It could happen. And you guys continue to, every time you guys get together. - Yeah. - Yeah. Yeah. - You guys are so far apart. - I mean, those such weeks after the fourth, we, there are sex dropped drastically and when we didn't have it at all. - Okay, when I tried, you didn't want it. When you wanted it, that's when it happened. It was only out of necessity for him. And then every time I would try to do it, he wouldn't even talk to me. - You need to do it today and go? - Yeah. - But when he wanted to, you wanted to. - Well, yeah, if I haven't gotten some in a while, like, yeah, I'm gonna only-- - So it worked though. If you want to, he doesn't want to, you don't have to, but if you want to, you want to have some of that corner because I felt like it was holding our relationship together and that was the only thing keeping it together. - Yeah, maybe, okay, I need to-- - The only thing when you weren't talking to me at all, - Like I just said, it was the only thing keeping us together was the sex. - What is this in front of me? - The letter I wrote when we broke up. - When you broke up, a week and a half ago? Okay, I'm going into the breakup again, the six-week silence. So what I understand what caused it now, and it was a big hard fast, let's be clear, that the sisters thing from everyone's end is just so beyond moronic, but either way, why did you six months of silence? If I can get you guys back together somehow and some miracle, which I'm not feeling great about right now, other than you guys literally just being sex buddies, 'cause I think that might be the extent of y'all's relationship including being parents together in the future. But six-week silence, I wouldn't advocate for that anyway whatsoever. That's like, I think it was in more than six weeks of I stopped treating her like a princess. - You weren't talking to me throughout the day, you would barely answer my text messages, you wouldn't answer the calls. - You're right, I stopped jumping at your back and call. I stopped treating you like a princess. I stopped doing everything in all of it for you. I stopped talking to her. - You stopped being a boyfriend. - Yeah, I treated you more like a roommate. - Yeah, why would you do that though? 'Cause I guess that's not a communication style. - There was things that I've been asking her to fix for the last nine months and none of it was getting fixed. - I do agree with that, but- - So why would I keep beating a dead horse? - No, but you either break up. - Instead of dragging me around and making me feel like shit. - I was trying so hard. - Yeah, it might not have been the best way to handle it, but I got tired of- - But six weeks of it. So what happened at that time? the end of the six weeks. - She came home from work and asked us to go through my phone 'cause she thought I was cheating on her. - Okay. - You didn't feel, make me feel welcome at home. And like it literally, like all my stuff was too much stuff. - Tell me about those six weeks from your perspective. - So right before the six weeks, I came, I was in Alaska. - No, the trip that you didn't want me to go on. - The trip that-- - So you could go back and blow whoever else you didn't. - No, so my family could meet my son because they'd never met him. - Yeah. - That's weird. - He's two years old. I had him down here. Nobody's been able to fly down here and meet him. And I have a big family up there. - Okay, going. - So in Alaska? - Yeah. - Oh, okay, last is big. - Yeah, so I went out there but we literally spent the whole entire time with my family. - Why could he go though, your partner? - Because you want to, what? I'm gonna bring my son here. Meet my son and my new boyfriend and his son. Like that seems weird. - I don't know. - Like I want them to focus on-- - First she invited me and then she didn't. - No, 'cause I thought about it. And I was like, I want the focus to be on my son. Meet my son first before we introduce our trusted shoes. Then you decide to go to Alaska by yourself where there's all these people that you grew up within and I continue to talk to. - That I didn't even see. I saw my old roommate and that's it. And for sure he's gay. We've never even done anything like that. That is like off the table. - He was your roommate. I don't know. - You didn't have to (beep) your roommate if it wasn't gay. - Like no, we never did anything like that. - It's normal not to. - Yeah. - They don't have to be gay. - But he's gay then I'm gonna (beep) any guy that I see. - I mean that's probably. - No, I'm not. - I guarantee you, there is not a single dick you wouldn't ride. Your whole-- Hey, girl, I'm old too. Those are fun. We love hoes. I love hoes. They have sex. - I don't like being old. I'm old. - Yes, you are. Oh, I saw that photo. Yes, you are. - So mean. - Mean. - So mean. - So mean, huh? - So mean. - So mean at all. Okay, either way, okay. So what, okay. You went to Alaska, so what? - Okay, so while I was in Alaska, he sends me this long note that, which was after the fact he texted that girl. - Oh, this? - No. - Oh, a different note. - Yeah, a different note. Saying, oh, I love you. I'm gonna be the boyfriend you deserve. I'm sorry, that has been so rocky. And then I get home. That lasts for three days. Fourth of July happens. And then doesn't speak to me for six weeks. - Yeah, because then after you got home, I went through your phone and saw that you were continuing to talk to some other dude. - Oh. - I wasn't that. - So why should I hold up to my end of it? - What is he talking about that? - I wasn't. - Yeah, he was asking about divorce advice. - That's the one I just brought. - No. - That's the divorce advice. - No, it's, I just looked it up. It was assentance. - That's us. How do you know if it's, or not, 'cause he has a different name. - Oh, I thought, didn't we go through that? - No, I don't know. - I don't know. - Well, there's like 50,000 other men in there, so it's impossible to know. - I've had my Snapchat for over 10 years. - They all have hit picks. - Yeah, I have no words for you on that one. - When you were, when you had a husband, were you still talking to those people? - Yeah. - And being appropriate with them? - No, I never really, so if he goes back, if he went back and scrolled back to when you were actually together with your husband, you wouldn't find anything. - How long were you with your husband? - Five years. - Okay, yeah. - I went back in school. - Well, some of those were one in two years ago. - Exactly. - You weren't going to be inappropriate when you had a husband. - No, we were, we broke up in July of 2024-ish. - Okay, so hi, I don't know. - It's two years. - I don't know, maybe, maybe not. I don't know. Okay, so you saw her talking to-- - Guy. - Yeah. - Okay. - And if you read the messages, it was about his divorce. He was asking questions. - What did she think? - She didn't see, I couldn't see all of it, because part of it was on Snapchat. - And why would he trust you from sending news on Snapchat, just a few months prior? - He's telling me that you have too much shit. Get it, like, put in storage. Like, you don't need all that stuff. - Yeah, I know, I don't have a shed for you and your cat to help fix that. And you ever still just shit all over the place. And it was a simple fact that like, you just couldn't clean up after yourself. - No, I did. - You're an adult, and you shut clean up after yourself. - I was vacuuming twice a day, and he would still vacuum in front of me, because, oh, what, this is not clean enough? - The loss of aggressiveness around the house. Okay, and then it came the letter. - Yeah, he didn't tell me. - So I'm not interested in being with any other man. - No, okay, insert post-show trailer here. She's literally right now talking to another man at this exact moment. - I thought you said that he had a wife. - So you're like, "Well, what am I supposed to do? "I just sent him a picture of my boobs." - Yeah, you definitely just made it seem like all he was doing was fixing your car. - Why didn't you fix my car then? - I probably could have fixed your car, but maybe if you weren't being such a ho, I wouldn't have had to worry about fixing it. - Yeah, that's gonna blow your guys's mind in about 45 minutes. - So you wrote this letter. Why'd you write this letter? - 'Cause I wanted to show her that I still cared about her, but if things couldn't be fixed, I wasn't gonna get back together with her. Like if she couldn't change her behavior. - Letter. - No, I read it. It's just the whole time he's shitting on me saying, "This is where you f***ed up. "This is where you f***ed up. "This is where you f***ed up." - Shall I read it then? - And then we'll get into the finances and see how f*** this all is. - Yeah. - 'Cause this is a finance show. (laughing) - A real name, talking about her, how call her? - Phoebe. - Phoebe. I'm writing you this letter with really bad handwriting. - Yeah, it's this one. - It's okay, we have the same handwriting. I'm writing you this letter for a few reasons. First off, I want to apologize, that doesn't sound like you shouldn't have knew, for how I spoke to you the other day. It wasn't necessary. I was upset with how you were going about things. - Y'all look. - I love you, Phoebe. - You're always going to have a place in my heart. This doesn't sound very bad so far. - Oh, just wait. - Okay, I'm just saying, you made it sound like you were shitting on you the whole time. - Oh, just wait, after that, it's just shit, shit, shit, shit. - I just couldn't take the way things were any longer. I'm going to tell you the things that I see cause this breakup. It's not to put you down, but to give you some clarity. And this was like, he broke up via this letter. - No. - We had argued because I asked I was like, why are you being so weird? Like, are you cheating on me as there's someone else? - Okay, how many days after it was this letter? - Two. - Two? - Okay, he said-- - You're still getting some stuff out of my house and I didn't even say anything to me. You just said, I have to go through the letter. - Let's go through the letter. - Guys, you've known me since the beginning and the fact is I just love building products that help people and we're continuing to do that with the Caleb Hammer Financial Services. Listen, now you got personal loans that you can get the best rates on forever. You want to use it for, whether it's Consolid. Daychef, do you change your behavior or you need to purchase something that gets a good return out of investment. And now we got credit building as well. You can shop for the best credit builders that are either free or low cost to you and build that credit. We got debt forgiveness and debt consolidation as well. We got auto loans for your new card that are great rates or you can refinance a horrible auto loan today. And not only that, now you can shop for the best car insurance out there. The thing is, we are building more and more of these to help you get the best tools and services that you can possibly get online at the best rates. So check those out at CalebHammer.com. All those links are below in the Caleb Hammer Financial Services. Check them out, save yourself a lot of money. I already launched Liquid Assets, my official Gamersubs flavor, raspberry apple. And it's been selling like crazy. Here's the update. The free gift stacking promo from Christmas in July has visually 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 Gamersubs.gg/Kaleb or click the link in the description below. The situation did more damage than you thought. Well, yeah, you literally cheated. Not a mistake. - Not a mistake. - You cheated. - I know I said. - You didn't cut you cheated. Let's use the word you cheated on him. - Exactly. - I don't care, it's what you did. What all did you send to him? Be honest now. - Nudes, that's it. - How extensive? - How extensive. - Maybe a weaker tip? - How extensive were the nudes? - Not the extent that I- - What all did he see? - Maybe tits and nests, but not anything else? - Doubt, we'll contact. - Okay. - I believe, I believe you when you say you were sorry and wanted to do better. Yet, your intentions said differently every time I went through your phone, and I'd find something that upset me, that upset me would upset you, huh? - It would upset her if she found it in my phone. - Oh, okay. I believe you didn't confront me about the messages on my phone because you had to clean yours up first. I'm not sure why I wasn't enough. You had to seek attention from the opposite sex. - Interesting writing. - Yeah, I'm not very good. - Is that the Dallas- - I'm not very good. - I'm not very good. - Yeah. - Okay. - Wasn't the only one? - AKA. - That's a lot of men, and I saw a lot of men. That's not unfair. Comment on those? - It's not unfair, but I didn't talk to them. I didn't talk to them in a sexual manner. except all those chats, head, titty photos in them. - Yep. - Yeah. - I'm just supposed to lean back on it off. - Wait, but like if it's a shirtless pick, is that not the same thing as a titty pick? - No! - My kid was in the picture? - What? - I wasn't sending it to be sexual. - I can feel you in the picture. - How is a men's shirtless pick the same as a woman showing titty? - It was wearing a sports bra. - It was really wearing a sports bra. - You, as we all know, have no tits. And you were less in the picture though. - My kids are not pictured too. - That was an old picture. That was when I had put on a uniform. - No, the ones from as soon as recent is nine months ago that I pulled up. - Yeah, nine months ago. - When you guys were together! - I'll show you. - Oh my, what are you showing me? - The picture that I sent to the girl wishing her happy father's day. - Okay, yeah, I've seen your tits about a thousand times. Let's see his. Unfortunately, I also saw him coming, but you know, the things I see on people's phones on the show are crazy. Okay, do I really need to see a man's shirtless photo? Is this really that controversial? - It's just, it's not like. - Did you screenshot it or what? - I said it to myself. - Okay, you keep looking. I'm gonna keep reading. I'm sure you did. Like, it seems like every time one went away and the one showed up, that's fair. That's fair. - Doesn't it in a sexual manner though? Like I can't talk to guys and it not be sexual? - Not when your boyfriend's worried about trust issues. No. - Not when you've previously sent them titty. If it was friends that you weren't previously sending titty, like, come on, I know some of them, you had sex with in high school. Devon showed me, told me. - Yeah. - Some of them you've previously. - That was almost 10 years ago. - Yeah, you think I want my girl talking to people she's previously. - We've had, we've been friends ever since. Like it's just like, it's not like that. - Boys, let me know in the comments. 'Cause I don't know. Women let me know in the comments. Majority of you that watch us are women, so tell me, across all platforms. - The next thing was how you handled the front of July. - I don't know where it is, but you have it. - I don't have it on my phone anymore, I deleted it. - Wow. - I bet if you just lifted up the shirt, I would see exactly what was going on with the shirt. - I took my shirt off on camera, it's not. - And that's it. We would all see it at the beach. We wouldn't all see you lifting your tits for everyone. - Bro, I will show you a picture of me when I was pregnant or I was pregnant. - No, I'm talking about that. - Where are you pregnant at nine months ago? - And it's a fact that you're sending it to guys. - Nine months ago. - Doesn't matter, you were still lifting. - And we're lifting, I swear. - Fine, fine, pause. If you're sending a photo with your face as this, if you're sending a photo with your face and tits as this, you were doing this. - It's like this, I'm short. - You are so broken. The next thing was how you handled the fourth of July. It broke me that you think I was being insensual to my sister, yeah, that is crazy. Like, I think what he did was weird. I don't think he literally wants the f*cking sister. - I didn't say he wants it. - You were insinuating an incest. - I wasn't, I said it was there. - In the conversations with him. - I said, "Is there any other thing I should know? Is there anything else I should know?" Like, is that just? - Is that not insinuating? - That's how I took it. - That's how you took it. That I'm just asking you. - What? - Oh, you're f*cking. - Okay, I wasn't okay and you never let it go. You never let it go? - No, he asked me to not talk about it. I never brought it up. He brought it up multiple times afterwards. - She didn't let it go the whole time we were arguing about it for days on end. - Three days. - After we finished talking about it. - We brought it up multiple times afterwards. - It didn't get brought up for those six weeks between when it happened and us breaking up. So I'd say, you know, five of those weeks she didn't talk about it. - No, you wouldn't have asked me to stop. I stopped. - It isn't a little weird that the day you guys broke up. She immediately had another man come over that next day to help her move out. - I feel like it is. - It was my co-worker. - We know what you've done with your co-workers. - Yep, bro. Look at this text message. It just added all up. - I can't have a guy. - He was all up in your space. - I don't have a truck. - He had a truck with what you were doing. - I told you that the last girl that I had lived with me did something similar and I did not want it to go down the same exact way. My kid's mom when she's split, she'd wiped out all the shit in the house and had a bunch of dudes load everything up. - That's what I love. - And when I saw on the camera that there's some guy helping you load everything up, how am I supposed to take it? - And that's because I need, I've lost. - And what was the previous conversation? - There is no previous conversation. - I've only seen him at work because-- - I'm just saying, listen, I don't think you-- - He's a regular. - He's not even like-- - I don't think you and the guy ever did anything. I'm just saying, look how it stacks up with everything else to him. - I don't have a truck, so I just needed help. - Rent something, $40. - I'm on a finance show to save my finances and save-- - Yes, a finance show. - Yeah. - Never let it go completely owned up to your part. - Even Saturday night, you almost brought it up again. Okay, well, almost isn't that bad. Again, the purpose of this-- - Blatter, maybe. - No, it's a B. - That's great. - Bair to put you down is to show you how much I cared and loved you even after everything. From the day I met you, I was nothing but loyal. I did everything for you. I was unbearable around you and let you into my life. - What up, I'm Jared, I'm 19, and I never fucking learned how to read. - Installs the transfer. - All I wanted was for you to be loyal in return. Yeah, that's not that crazy. It's so crazy. - I wasn't talking to those guys-- - Where you guys exclusive are open. - Very exclusive. - All there you go. I want to circle back to the first, to the fast. You didn't confront me about the messages. It's not hard to put two and two together. You constantly taking your iPad where I did the opposite. What? - She, you know, when you have an iPad at your messages, we'll go to it. - Yeah. - People, she would constantly take hers. I purposely set my messages back up on my iPad and would leave it there every day 'cause I had nothing to hide from her. - Really, 'cause you turned the messages off on July 1st and there's no other messages going through you. - No, they were off before because my son used to use the iPad so I didn't want him seeing your tits pop up on it whenever something did come through. And then I put it back on there purposely 'cause I started noticing that you constantly took yours. So I wanted to show you like, "Hey, there's nothing for me to hide." - Really? - Maybe they'll pick up some same habits. - I didn't look through his iPad until a week later after he looked through mine and I found a whole bunch of shit. - Why? - The text message to your sister and the-- - What did he say to his sister? - Talking about a coffee shop that we wanted to write about. - My, my-- - I also wanted to have a-- - My dream, I told her to have it. - I had a similar idea, they're around the same age. - No, we're not. - She's-- - She's a year older than you, you're a similar age and she has had that same idea for years. I've told you that, we had a conversation about it that you and that-- - Gas, gas, gas, gas. - Honestly, let me see the text message to her 'cause like, where was it? - Do you want to see it on the lot? - That was I involved in this text message. - I think he wants to get through the letter, so. - Sorry. - You can continue the letter. And then we can talk about this. - Fuck, it's not hard to put down to, yeah, yeah, yeah, yeah. Okay, back on it would leave it at home, the iPad. It was petty of me to message, I can admit that, but I knew you wouldn't like it and I was trying to prove a point. Back to the fourth, yeah, you guys are passive and you guys just hit each other back and forth with like emotional gut punches. I caused problems with my family the day, the only ones that always have my back, by choosing to try to make it work with you, huh? You had to cause damage to your family to make it work with her. - Yeah, my sister barely talking. - Why, because of her? - She must have done it all with me dating her. - She cussed me out. - Why? - Because she said that the fact that she could try to insinuate I was being inappropriate with my sister is not somebody you had to date. - Yeah, that is kind of crazy. I'm sorry, that is crazy. - I just asked her if it was okay. - No, you were trying to take the-- - No, everybody's off of you, 'cause all of it was on you at that time and that you were trying to spend something. You and your sister came up with this little plot to spin it around and put it back on me. - It wasn't not. - Really, so you didn't slap her ass. You think that was a plot? I made you slap her ass? - No, it was weird, but come on. Are you insinuating that like she's like damaged or that he's sticking in and like, what are we doing? - No, I asked her if she's okay with it. I didn't say that. I just said, I don't even have to ask that though, like let her live her life. Like what the, why are you trying to victimize her? - I was just so confused, like why? 'Cause it was weird, it's weird. - It changed the story three times to me. And like, it was a joke, she looked like you. I thought it was you. - What? - Yeah, he told me, I thought it was you. And I was like, what? - Why are you changing the story, dude? What the fuck? - Because I was annoyed that I even had to think, it literally went out my head the second it happened and so when she was confronted-- - Gaslighting me. - This is weird, man. - No, it was seriously gaslighting me, trying to make it seem like, oh, I didn't know for real. - But choosing to make it work with you and what, and you do nothing. One test, two month, one text, maybe? To my mom with-- - Yeah, mom because I-- - It was nice, but you couldn't completely, I feel like you're just like rage riding by the end of this. - Yeah, I was. - Yeah, you guys all went up to your part with me or with them. I know your life is, was in crazy spot, okay. But it felt like you put me on the back burner just like you did with the situation. Did you put 'em on the back burner? Good for you. - Did I? 'Cause I literally was cleaning the house every single day, every time a dish would go in the sink. - That's normal shit that adults do. You don't, it's not like-- - Really because you put dishes in the house. - You put dishes in the house. - And then you would complain to me about not putting them in the dishwasher, in the dishwasher. You would do that. You would put the dishes in the sink and then you'd complain that I'm not doing the dishes in that. - You also only worked 20 hours a week when I worked 40 plus. And so if you have to do more dishes than I do, it should be a big deal. - I don't take care of the kids in the morning. - And that's it, thank you so much. - That's the reassurance, you say what I want to hear. I go back to the same behavior. No, and go back to the same behavior. For sure, as you're reading this, you're just getting upset and misinterpreting it. Again, those aren't my intentions and not as good with my words or writing. I have major boy, brain. Oh, shut the f*** up. Don't be a f***ing, you messing with me. You're just a f***ing educated yourself. Take a writing class. - I don't need a writing. - I'm sorry, yeah, clearly you do though. I am sorry with how things ended. It's not how I wanted them to go. You arbitrarily leaving a bright, abruptly leaving and just causing a scene with no communication is the. - What do you mean? - I told her that she could stay until the beginning of September 'cause I knew that she didn't just have anywhere to go. - And then took the car from me 'cause I was borrowing his car, so I wouldn't have a car to move all my stuff out. - Yeah, I was the same. - No, I moved all my stuff out in two days. - Oh, the conversation. - Yeah, the guy in the night showed up at the house and slammed the door in the guy's face and said, "Stay the f***ing out of my house." - Why? - 'Cause he was helping me. - 'Cause he was helping her move. - She could have had a conversation with me about it 'cause the last time that that had happened. - It was just that I wanted a conversation with me after our breakup, when you wouldn't even give me at the time of day or a conversation, the last six weeks of our conversation. - You're right, I wasn't trying to have a conversation about our relationship, but we could have a conversation about the important things about how the breakup's gonna go because there's children involved. - Oh, well, there was a house involved in the car and they'd throw a breakup, but he can't talk to me during the relationship. - The last thing that we did discuss is that you were gonna stay in the upstairs room until you got back on your feet, so. - No, that wasn't. That was your text message saying you got-- - And you said, "Sure." - Oh, okay. - Oh, wait, this text message to you. - Sure. - 'Cause it's kind of duck. - Okay, very good. Yeah, tell me. - Phoebe, I need you out of the house. No later than September 3rd, realistically, I don't see why you can't be out in a couple days. You still have your old house to go to. I'll still, I'll need the car back by tomorrow. I expect it to be cleaned out if you're going to continue to stay at the house till the 3rd. There's a few ground rolls. We will go over. No guests other than your son are allowed. You are also responsible for cleaning up after you and your son. That means keeping your area clean and cleaning up common areas after you use them. If anything seems an issue, let me know and we can discuss them. And I said, "My house does not have water." Got it though, you want me out ASAP. And then I asked if I could borrow the car till Tuesday and no response. - Could you chat about the car? - Yeah, I probably would've let him or borrowed it longer if she would've talked to me about it. - Really? - Well, she tried, it sounded like I'm text. You didn't respond. - Yeah, because then the next thing that happened is she showed up with some guy at the house and was pulling all of her shit out. - No, you have a bad experience from that in the past. So I, I, oh, I see both sides, it's difficult. - Guys, what a mess. - When we broke up, he said-- - Great, there's more, sure. - I just wanna break up. I just, what was it? - One of the latter, he was like, "I hope if you see each other again and the kids will give each other hugs." I love you, prime fee blah, blah, blah. - Yeah, that was the day after I left his house. - Yeah. - And I got all my shit out, but-- - How are you? You owe him money. - Yeah. - You don't have a job. - He's also told me that I don't have to owe the money. So it's confused-- - Probably depends on the day. - It's very confused. - But either way, you don't have a job. How would you pay him back? Are you good? - I don't have a job. - I started a job on Thursday. - Okay, good. And that allows us to get into the finances. I can't, I'm gonna do it separately. So I don't know. What do you guys think your individual financial scores are? Zero to 10, zero to 10, zero to 10, zero to 10 being the best? - 2.7. - Except for me? - That was mine. - Oh, I think maybe one, honestly, it's pretty bad. - I don't make enough money to pay my own bills. - Okay, if you want your financial score, it is free to get it. It has been much more detailed now. So if you've taken it before, you need to take it again. Take it, it is free. Just take a few minutes. Here we stand in the world of finances at CalebHammer.com. And if you don't want to be like a guest tonight on the show, make sure to download the Dolores budget. And I'll take the free trial to see if it works for you. Like it does for the average American. 10,000 to 10,000 to monthly active users for a reason. And they all take the annual version because it saves nearly 50% on your money 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 that out, guys. Check that out. That's allys.com, CalebHammer.com, all that good stuff. So, yeah, the loan. So why'd you loan her $3,400? - Tell Pay for an attorney, 'cause she was going through a divorce. - Geez. - Yeah. - So how early on did you give her money? - Pretty early on. - So you immediately shack with the dude and get money from him? - Yeah. - Come on. It makes me feel guilty of how it works. - I hate using other people's money. I hate asking for help. I hate asking for money. Like that's the least lie. Like that's not me. I hate doing that. - Why'd you do it instead of your family? - I didn't ask him. I asked my family. - No, you were happy to do that. - I offered and then you said no. And then you said no, you were going to ask your family and then when they said no, then you did ask. - So he offered. - If you offered, I mean, right? - Yeah, but I'm just saying tell the whole thing. - Okay. And then you also said that you would pay me back and not one penny has been paid back. - Why not? - You paid him back at all. You had a job. - I also told me multiple times that I don't have to pay back. - I said you didn't have to worry about it right now. - Really? Is that, that's always what you said? Yeah? - Yes. - Really? Well, I was, I'm planning on paying it back at some point, but it just like, I don't have any money like that. I still have no money. - I know you do now, but you did have a money. You did have a job. - Yeah. - And you just quit at the most. - So you went to Alaska. - I spent $2,500. - I did not spend $2,500. - I spent $500. - When you guys broke up, why'd you immediately abandoned and go to Houston instead of trying to make something work there? - 'Cause if not, I wouldn't have a car. - Why were you in Dallas in the first place? - Is my ex? - He was in Dallas. - Yeah. - Okay. So, yeah. Okay, so it was to get to your sister. - Yeah. - 'Cause I-- - Okay. - That's fair, I understand that. - I do understand that. - Once you get a job, is there an agreed upon minimum monthly payment for this or what the, 'cause our plan with this guy's? 'Cause whether or not you guys are together, this is you immediately intertwines y'all. - He's never said anything like that. - What do we think? - I would like to be paid back. It's $3,400, yeah. - Yeah. How'd you have this money? Where'd you pull it from? - I think I put part of it on a credit card and the rest of the paid cash. - Okay, yeah, I mean, it's complicated. It's complicated. Okay, you. Now instead of paying him back, what I have here is Klarna. - You can be paying you back. - Yeah, but you're making the payment. No, it's not. - It's April. - I gave you the money in like November or December. - I'm too early. - Where are you getting sheen, sheen, sheen, sheen. Both are Klarna right now. - Oh, I don't have any more. - Okay. - That was the only time I've ever taken off that. - I'll take it off. - Okay. - Let me see your sheen. - Oh. - Yeah, there we go. - It's, it's a lot of window shopping. I don't buy anything. - You all have $3,400. - I have a body, thing and so on. - Oh, let's see. - Go for it. - Go for it. - Yeah. - Okay, well, there's over a hundred things in your cart. - Yep. - Window shopping. - Uh-huh. - Makes me feel good. Just window shopping sometimes. - Oh, I don't even know how to use this. - I can go to my purchase list. - Yeah, go to your purchase list. 'Cause I don't even know how to get there. What a crazy app did. - Yeah, it's a lot to like look at. That's why I haven't done anything. - Okay, well, you're purchasing on a credit card instead of paying them back $436.61. You purchase $752.90 on this. You have a minimum of the payment of $15. This is your global credit union visa. - Yeah. - There we go. See, something just shipped. She bought a milked. - No, no, look at the date. Come on. - She bought that when we were together. - Yeah. About that like six months ago. - Instead of paying them back. And there's a lot of other purchases, of course. But yes, you haven't purchased it in a while on there. - Mm-hmm. - I mean, is here Amazon. - Oh, yeah. I haven't purchased Amazon in a minute. I won't let myself buy online anymore right now at least. - Well, I don't need to see your Amazon then. But what you did do was spend $752 on here. - Yeah, I like to put a lot of on my credit card. - There it is. And that's what it is. - And I have a limit on it. - Yeah, but here's the thing. Yes, you have a limit. - Yeah. - But the thing is, this is money you spent in here that you have to pay off that should be going to him. 'Cause you spent $750 that could have gone to him for the $3,400 that you owe him. And what are we doing? Or Ubering, that's not the end of the world. Maybe we were drinking or something. But then Spotify, then getting ice cream, then going to the bar and club, probably flirting with men, sucking or taking the bathroom. - No. - McDonald's, Sally, Beauty, a boring shot? Oh. - That's what I was in Alaska. - Doesn't matter. - Doesn't matter. That isn't money, that is what it goes to him. - Give me any of it. - Okay. - If you're with your family, they could have done it. If you wanted to go on, do fun, they can pay for it. You weren't on vacation. You were introducing your kid. - Yeah. - Interest is a crewing. You're not paying off every month. Interest is a crewed this year. - Okay. - So shut up with the eye prayer off every month. Shut up. - I haven't paid enough. - Oh, you're a shit. - Exactly, and it's $5 a month. - I do pay $50 a month, at least. - No! - I know. - Shut up. - Shut up. - Who has apartment collections of $790? - Me. - And what's going on? - I was going to get an apartment and then I couldn't afford it and-- - Well, but how did that-- - Oh, well, what happened when? - That was the pull out of not going into-- - When? July? - No, it was more like May 'cause you moved in before you went to Alaska. - Yeah. - You went to Alaska and June. - Well, so you tried to get an apartment and you got kicked out and moved in with him? - I did. - She got approved for the apartment, then she wanted to spend more money in Alaska, so instead she wouldn't have enough money for the down payment to move in. Like she got approved, everything was set, but she had to pay a certain amount to move in. I think the $790 or whatever it was, and instead she went to Alaska and spent the money there. So she didn't have enough money to move in with me. - I spent way too much money in Alaska. It was bad. - $790. - Crown. - Solar, who has solar? Who has solar for what? You guys rent. - No, I own a house. - So my house? - That's where their ex. - That's my name. - Oh, but it's still yours. - Yeah, it's still in my name, which we owe $37,000 on the solar. - Yeah, $37,000. - Yeah. - Who's paying? - He's supposed to be paying it. - Is he paying it? - No, he is not. The house is about to be on for closure. - Well, the whole house, not just the solar. - The whole house. - Is he going to destroy your credit? - Yeah. - Where's the house? - I only have-- - Where's the house? - Dallas. - Where's the month, what's the monthly? - 27 now. - Why don't I try to get a proper year and try to take this back over and move in? - 'Cause to take it over, it would be $12,000, because he hasn't paid rent. - But if you have all the money. - I'm gonna take it over. Maybe you put it at the end of the mortgage. They might do that. - I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise. - Guys, just real quick, don't forget to take your Hammer Financial score at Calebhammer.com. See where you stand, where you gotta do better, where you're doing shit. - Listen to just six a few minutes and it is free. Figure out where you stand in the world of money. Calebhammer.com. - You got like a VA loan. - Yeah. - I don't know your honest thoughts. - I'd have to refinance. - No, I'm saying you call, and you're like, I'm not, I'm gonna take it over and refinance, I'm sorry. I'm gonna catch up on this, but I need a little help as a single mother. - $12,000? - I know, and maybe they'll put it at the end of the loan. - Okay, he's already put the house in forbearance and now it's in default. So how is that supposed to work? - I don't know, but if you don't call, nothing's gonna happen. But either way, it's not like you have a job to pay for it anyway. - Yeah. - So I was saying, maybe you get a job and try to make it work, but you're not willing to do anything. Okay. I've applied for a lot of jobs, it's just, I don't have a degree in anything and everybody wants a degree in something nowadays. - I mean, kind of. I mean, it's a tighter labor market for new applicants, yes. So you just gotta work. I'll give you a course career certification, trades, attack, accounting, there's a lot of things. People in the audience take their course career certification the whole time and get six figure jobs, constantly in all those fields, okay? - Well, he was making fun of me the other day when I was trying to teach myself like data entry and like-- - Can I teach you yourself or taking a certification? - I was learning. - No, show the fuck up. You need to get something. - I didn't know the time A.I.s gonna end up taking in the next three years. - Yeah, potentially. But the thing is, probably more likely, if it's data entry, but the thing is, get something that goes in your resume. Don't just teach yourself something. You're struggling with resume right now, more than anything. You're probably applying for government assistance, aren't you? Yeah, of course you are, which ones? - My son needs insurance. That's the one I'm been working on the most. - Food stamps and that stuff too? - Probably whatever works, whatever I can do. - Have you applied? - I did, yeah. - Okay, that's what I was asking. - Yes, applied for all of it. - Okay, you. - That's also part of the house. It's a water stop. - You. - I was pregnant and this man signed up for every little knock on the door. - Did you do that? - Every single person I knocked on the door. - Did you say stop? - No, I was pregnant and brain fog. I was literally like, dude, dude, dude, dude, dumb. - Okay, I understand a little bit of brain fog certainly comes to pregnancy. You can't say that all of a sudden, and literally you can't consent to anything as a pregnant woman. - I'm just saying like, you were unable to consent to anything in the world as a pregnant woman. - That's what I was saying. - This is the news of people. - You co-signed. - He made me something this. - He did not make you. - He come over here and sign this. That's pretty much what he told me. - Okay, I'm sorry. Hey, here's the news. If you're pregnant, you literally cannot consent to anything according to her. You can't consent. Everything in the world is if you're pregnant. - I also signed up for a car being a co-signer on my sister's car. - That's still you. - Yeah, that's not you being pregnant. - It was dumb, dumb. - You can't get everything to that. - Can she give everything to them? - Definitely not. - No, shut the fuck up. Okay, so $6,553.58 is going to this. I don't, payment do. It looks like he made a payment recently. - That's, yeah. - 177. - So he's paying that. - Yeah. - Well, why is he paying this and not his mortgage? - A question. - Okay, well, he's obviously stupid. - That's my son's. I had to take him to jail. - My son's what? - Medical bill, we hadn't taken him to the ER. - Have you called them to get on a payment plan? - I was going to talk to them, actually, I got a little message and I was checking in the car. - Okay, call them, get on a payment plan. You know, $1,530 and 97 cents. - Yeah, that's supposed to be split between me and my ex. - Oh, we'll see. Okay, here's foreclosure, officially. - Yeah. - It's pretty much in there. - Fortunately, the stamp covers the payment and shift. - Okay, there we go. Well, well, I mean, this is gone, right? - Yeah. - Essentially, it's like, not a chance, but 276,000 cheese to give up a less than 5% rate on 276. - Give me that little link, if I may, please. Yeah, the regular was, I mean, yes, it's not great for someone of your zero income, but what were you making? - An average. - On average, every two weeks, maybe a thousand bucks, like-- - But you also only worked 20 hours a week. I kept trying to tell you you needed to work more, so then you could bring home closer to 2,000 every two weeks. - Hey, there's so much I can work with my son, having my son at night. - Well, how'd you guys do it with both of your kids? - Well, my kid's in school now, so I-- - He has his parents to help him. I don't have my family near here. - Yeah, but she only has her son 50% of the time, so the other 50% I'm working 13 hours a day, which I was doing for three days, four days in a row. And he's still mad at me that I'm not working enough. - Not mad at you for it. I was just trying to tell you you should try to work more so you can get more money. - Okay, let's see. I mean, if we were able to save this some way, I mean, no, it's only worth 266. Oh, it's way out there. Oh, that's why I was going to say it's kind of cheap. Oh, never mind. It's not like you'd get anything for it anyone. You're under water regardless. Well, it's-- - Yep. - Nope, you're done. Hey, you're done. - What am I supposed to do with that? - Oh, nothing, you're-- - What's this? What am I looking at here? - That's the car that I signed up with my sister. - Okay, so-- - She's pretty much-- - She's going to get a retail. Repote. - Oh, it already did. He got totaled out. - What the fuck? - They owe that much money left. - Oh, okay, well then I'm not going to put it down. But what the fuck? This, what a mess. - They owe that much. - Okay, here's your checking account. - Yeah. - Uh, savings is gone. Down, you're pulling money out. Only a hundred in your checking account. - Mm-hmm. - Great. Also, instead of paying him back, and we're draining and saving, so-- - Well, you see how much I pay in daycare? Like, 90% of my-- - Bitch. You're pulling out of savings so you can do sweet darlings in bullshit, in bath and body works, in burling. - That was, yeah. - In Sally Beauty, you do not get to complain about child support when you spend this much on bullshit. - That was not child support. - If it's making-- - On child support. - Shut up, you know what I mean? Childcare. - If that is making or breaking you, you're not going and spending money on bullshit. You don't get to complain and then spend all your money, dude. Ice cream, brown jug, bullshit, bullshit. Alaska fur exchange. - That was a lot of stuff I bought in and brought it back up. - I don't-- - What? - Yeah. - What'd she say? - She's trying to blame it, though. She bought me all that stuff. - I'm not saying that. - She bought me-- - She bought me a few things back. - I bought you in sports. - It's bullshit. Sally Beauty, I'm glad she bought Sally Beauty. - Yeah, I need my hair product. - It's my costume, I need to do her hair. - The tattoo you got was for him? - No, that was me. - Oh, that's-- - The tattoo I had a tattoo in like five years, I just really wanted-- - And yet you're sitting here complaining that you can't afford child care. Shut the fuck up. Women, they prefer tattoos over child care. You hear-- - No, I still make sure my son has child care. - No, you don't, 'cause you're actually training from savings. So shut the fuck up, you're going in the negative. Black rifle, coffee, bullshit, bullshit, bullshit. Going in begins a bullshit, bullshit, bullshit, bullshit. I would definitely use a time check in account. Golden Ford, that's what I personally use. If you use that, you'll at least get a few hundred bucks for free, so use my link to do that. But this is bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit. Chipotle, bullshit, apple bill, bullshit, bullshit. This is bullshit, dude, it's so much bullshit. 222 hours going out to eat, where you're only spent $200 eating groceries, miscellaneous bullshit and other 132 subscriptions, 127, other large purchases, This is 468, unknown shopping 369. You spend a minimum of $500 on bullsh*t. You cannot complain. You've probably spent upwards of a thousand on bullsh*t. So shut the f*ck up. No! Shut the f*ck up on everything. Okay, you owe more to the law firm, right? - This is my lawyer's, yeah. - So I'll say, well, it only says 72. - Yeah, it's higher now, 'cause we went to court. - What's he fighting? - The custody battle. (upbeat music) - Yeah, we'll move forward. - Yeah, how much do you owe the lawyers? - Probably around a thousand right now. - Okay. - Imagine setting your makeup, then forgetting it's even theirs. Meet new grippy setting mist from Mabelie, New York. Geldermist technology locks in your look for up to 24 hours, with flexible all-day comfy grip. Just plum. No stickiness, no residue. Just plum, dewy, hydrated skin. That still feels like your skin. Try new grippy setting mist from Mabelie, New York. - Maybe it's Mabelie. - Okay, you're a Robin Hood, nothing? - Yeah. - You're Robin Hood continues to be nothing. Okay, finally, you, you have a card card. - Yeah, I love to feel them. - Okay, probably for the house. $2,671.91 on Lowe's. What's your minimum? - Oh, that's an affirm for Lowe's. - Oh, sure the f*** is. - Is it paying for? - No. - No, paying 24. - There's interest on it. - What's the minimum, dude? - I think it's like 107. - What's this for? - I built a shed in the backyard. - You know that shit's like 34% interest rate? - Yeah. - Okay, you also have a firm. - That's what the firm wants to close. - Okay, you have, yeah, this is you. Okay, venture one. Why do you owe $3,467.59? - Probably for tattoos and bullshit. - Oh my god, you both suck. Yeah, you're spending on this. You're getting an interest recruiter. You spent $2,547. What a f*** joke. What a f*** joke. - Oh, because you had to build a cat shed? - Yeah, I built a shed for a cat because my son's allergic. So the cat needs a house. - Oh, great, now she doesn't even live there. - Yeah. - What are we, you guys are so f***ing. Panera bread, yeah, 2000 in tattoos. Fireworks in Apple Bell. - Fireworks really paid off so you could f***ing grow up your sister. - What, do you have credit on it? It's the worst you can get to. - I know, I had really f***ed credit before and the hell made me rebuild it. - Like you don't know? - No, I don't know. - What is it now? 'Cause you got some fake balances. I don't know f***ing hell. $475.22, $30 minimum. But yeah, you went inside, got like an energy drink and you went to a waffle house. Interest fees, this is insane, dude. You have another credit one. To me, man. $829.35, minimum monthly payment, 42. Interest, all the supporto, supporto, the job love, Mexican bullshit, an automatic chat. - This is a shit. - Dude, you guys are spending so much money on all this food you can't afford. Credit control, is this in collections or what? - Yeah, it's in collections. - You have collections. Your credit's in the 700, that's a mystery. How this works. - I don't know how that works. - $1.84. - Okay, what is this? $7.82% interest rate. - What's the balance? - That's my truck. - $893 payment. - That's my truck. - Take, of course, you have a truck. - Yep. - You only earn an electrician, maybe actually. $893.94. - How often do you use it for the electrician ship? - Enough for making work in my taxes. - Okay, your contractor? - No, I decide stuff. - $48,237 a one cent. 8% truck debt, you classic American. You actually might be the only one to actually use it though. And it's worth $45, so you're not the worst, but that $893 payments insane. - Yeah. Is this another auto loan? - No, it's just one one. - There is another one though. - What? Is this one? $6,000? - Yeah. - What's that for? - An old gas saver? - Sell it. - I need to. But I think it might be upside down. That's why I'm trying to. - It is, by a few hundred. No, it's about like a thousand dollars. Just sell it, get rid of the loan. Dude, what is this? - You can buy, pay the upside down part and just get rid of it. - It's a thousand dollars. It's one payment for your truck. - Yeah. - And it's also like a 10% rate. - Well, and that was the car she was using to when we were together. - Well, are you guys gonna get back together? I don't know. See, innit? I think you guys just remain funny. It's have fun and then meet someone that you actually can buy with. Okay? That's what I would potentially advise. $239 pay me. You don't need that. Dude, spend $1,000 and this is gone. Instead of $239 for a couple more years. - Yeah. - Make the math work. - Yeah, exactly. Make the math work, dude. Here's your house. It's on a less than 5% rate again, but you owe 197,410,027 cents, with a minimum monthly payment of. - 15,16. - Yeah, 1,516,099 cents. Here's your checking account. Zero dollars? - Hm? - We're doing cafe, McDonald's, Home Depot, Raising Cains, Automatic Chef, Automatic Chef. It's a vending machine. - Oh yeah. - Vending machine, vending machine, Starbucks, Taco Bell, continue in club, continue in club. Bullshit at the gas station. The airport, you swiped and got something there. Amazon, boot, barn, bullshit. Papa John's Taco Bell. Vending machine, Apple bill, Amazon, Amazon, cafe. Taco Bell, cafe, Vending machine. Getting some bullshit at the gas station. Bullshit? Or not, I don't know, lows, that's hard. Apple cash sent, brewery, brewery, vent went out money, lows. Papa John's Applebees, Amazon, Spotify, beer, barn. No shit, you're not paying off your f***ing debt. You're going to spend it all as much, what? Is that funny? - No, you're f***ing your entire life, you have a mortgage. No, I end up like her. Come on, man. Prime video, Wendy's, Gold, Starbucks, Airport, Dollar Tree. You're getting some bullshit. Sonic, Pizzeria, Prime Video, Vending machine, you have zero dollars, you're checking the guy. More on? - Yeah, I automatically pulled my savings. - Apple bills. Yeah, you're overdraft protecting from savings 'cause you're a pathetic loser, who can't control their spending. Bullshit, cafe, water burger. And that's why your savings is going down slowly, but surely 'cause over-draft, over-draft, over-draft, over-draft. So stupid. - What happens if you overdraft? - I have the IRS, like, over 5 grand. - What are we doing? Why are you spending that much on bullshit if you owe the IRS that much money? - Um, I ended up oweing that last year because I cashed out a pension. - A thousand dollars going out to eat, but you owe the IRS? - No, I hate what. - Blame it on me. - Don't even blame it on me, 'cause half of those are going out to lunch. - Half of them. - More than half of them. - Actually, a vending machine? - Do you like sometimes vending machines? - Oh, I haven't been to a vending machine in so long. - Yeah. - It's the IRS me. - Then to a vending machine in so long. - Yeah. - 4,928,49 cents, you owe to the IRS. - Are you on a monthly payment plan? - Yeah, I just started. - How much? - 60 bucks a month. - What the fuck? - I don't never want to. - I'm planning on having a refund next year. That one was high because I cashed out a pension to buy my house. - 244 in your return. - Great. - Well, the answer of whether or not you guys should get back together, there's definitely gonna be revealed in the post show because we have something insane. - That's how you, in the post show. How do you guys want me to do this? - What is this? - The financial. - I don't know. - Yeah, this, like this, I don't know. - Separate, no? - Separate. - Separate is fine. - Okay, how much comes in? - 732 a month and it'll go up when his brother turns 18 and then more when the other brother turns 18. - Well, we'll keep it there for now. Let's get you a debt minimum of the payments. Let's start with the dude. 'Cause this is gonna be an easier turn round 'cause he actually makes money 'cause he's not a pathetic (bleep) freak. - 3,011 dollars and 26 cents for your minimums of the payments. What's your gas electric utilities all that? - Utilities, water bills about 160. - Power is about 200, gas I spend about 300 a month on. - Cheers. - Internet. - 50. - 710 dollars, that's crazy. It's just you and the kid now. What's your phone bill? - 90. - Okay, room drive, drive gasoline. - Oh, that was a 300. Sorry. - Oh, gas for the house? - No, I don't have gas for the house. - Okay, so we'll subtract that then. - Yeah. - Okay, 410 for utilities. - Car insurance. - 350. - Necessary food, for you and the kid, I'll do. - I budgeted 500. - I'll do 550. Let's go in out to eat, use the meal plan, your meal plan, meal prepping. Might be able to go out to see them. TP funding, anything else for you and the kids to access? 200 dollars, medical out here. You got a copays monthly basis? - Yeah, 'cause I switched to a PPO. - How much? - If he's going to the doctor, probably-- - Is he or not? - Yeah, sometimes I-- - Every month? - No. - Okay, then just budgeted it in to the TP fund. Anything else you, subscriptions, 50 bucks? Do you have any pets? - No. - Anything else that you need to survive? - You play sports too, if it's-- - That's in the TP fund. - 160 a month, just for-- - Okay, I'll do TP fund 300. Anything else that needs to be in here? I don't think so. Speak now. - I'm double checking right now. - Okay, well, you can make it and you have room to pay off that. You need $5,061.26 a month. You have $1,500 left on a monthly basis. Yeah, just take care of this debt, dude, and with your home ownership, you live a great life, and you'll catch up on retirement since you pulled from your pension. - Do I chip away at the highest ones with the interest or do I-- - No, I would go small as the largest, so you at least make progress, but you'll be knocking out those credit cards very quickly and the collections as well. The thing, the truck, you just really need to take care of, 'cause it is kind of high interest. Obviously, not the house, but you're paying off this debt pretty damn quick. Sell the other car, use the $1,000, which you have left on a monthly basis, wipe that debt, and then roll through. You're gonna be debt free before you know it besides the house, and I don't need you to pay off the house. It's below a 5% rate, you're fine. You. - Yes. - The complicated one. - The job then is supposed to be starting-- - Your minimum is only $15 a month, 'cause you're all on that other ship, but it's like, how much do you think you're gonna make? - Roughly like 500 a week. - Okay, 2000 a month. Okay, you only think your sister will live in there? - No. - You own money to him. - Yes. - Play that. What's your vehicle situation? - It's paid off. - Okay, how much gas a month? Are you going to be using? - I don't know, probably around a hundred bucks. - You got to drive, you got to drive the car last week. - I have to drive up $1 once a week to finish off. - Okay, I'm gonna do cleaning out the house. - I'm gonna do 250. - And to pick up your son. - I don't have a car insurance, how much? - I don't have car insurance right now. - Okay, let's do 200. - The car is currently in the shop getting fixed right now. - We'll do 200. - Okay. - Food, how do the groceries work at your sister's house? - It's just been a couple weeks and I haven't started my job. - Yeah, but how does it work? Are you gonna have to pay for them or not? - I'm gonna try. I wanna at least help with groceries and get a house. - Okay, you're gonna help. I'll allow you to contribute $300. Deeply fund anything else for you and your kids to exist. - Those old papers, tampons, all they good shit. I'll do 200 bucks, medical health care. You're gonna be on government shit. Subscriptions, I'll try 40. You have a cat, right? Just a cat, one cat. - I have a cat and a dog. - $100 pen insurance, how much for their food and a shit? - I don't need pet insurance. - You do. 'Cause guess what? If they get sick, you won't be able to take care of them and that's not fair. - I love them, but like my cat is 10 years old. 11, 12 years old. - Fine, the dog. The dog, I'd be down to get. - $550. How much to take care of them on a monthly basis? - Roughly like 50 bucks for both of their food together. - Okay, phone bill. - Phone bill is 50. - Anything else that needs to be in your budget? I don't think so. - I don't think so. - You're in a blessed situation 'cause of your sister. If you didn't have anything to be-- - I know, I know. - You do need to pay him back. - I know. - Or even still. - Yes. - This is still gonna be brutal. - I do need to, I've been talking to my lawyer about putting together a payment plan to pay him. - Yes, you will have to do that. - Yes. - Okay, you're gonna have an extra, I'm gonna just conservatively say 750. - Okay. - Just gonna start tripping away at the death and it's gonna take forever for you. - I know. - Do you, then why don't you spend so much money on bullshit? - I don't know how I do it, honestly. - Oh, shut the f*** up. - Don't, like they're very small purchases sometimes. Like a dollar a tier, a dollar a tier, five dollars, seven dollars. Oh, I do have a storage unit too. - How much? - Sorry. It's a, I think $83 a month. - Okay, well it still fits in to your 750 lots over to those being conservative. Shit, maybe forget to the medical bills. - No, for what it's worth, I think you should be able to pay off your done about a year. - Okay, that's good. - Well, 'cause everything else is gonna be in collections and you're just gonna have to sit with that. - Okay. - 'Cause you're never gonna make enough to negotiate that, but- - Okay. - Both of you are debt-free and under a year. Whether or not you guys should get back to it with each other, you're about to find out. Let's do both of your hammer financial scores first. - Okay. - And then we'll get into the post show. And you already know what's coming. - Okay, for the man, spending in a budget. - You certainly overspent, I mean, you're over-checking some savings, so you're overspent just a little. So that still counts, this is zero out of 10. Your dad's running the net, well, you have collections. Zero out of 10. Emergency fund, there is some money there. It's certainly not even close enough, but I'll give you a three out of 10. Retirement, you had, you don't. Zero out of 10 real estate. - I have equity in it. I put 50,000 down on the house. - Yeah, who knows what it's worth today? I'll give you a decent, 'cause it's a good rate. You're not behind on it. - You know, equity position is a little smaller, but seven out of 10. Hammer financial score for you, you are going to be a two out of 10. What for you? - Okay. - Well, you have collections, you have no real estate. Your retirement is zero, emergency fund zero, spending your budget zero. Your hammer financial score is zero, clear. - Wow. - Get yours at kylehammer.com. Now join us for what is guaranteed to be one of the best post shows we've ever had. Plus three premium shows every single day, six days a week, with over 120,000 monthly subscribers. For a reason, it is the best membership. By far, we have a whole network back there. Check it out. Join, button, or that link in the description below or you can go by downloading the hammer lead app or hammer lead.com. Say I'm on all platforms. Just want to give you more options. See you in the post show. I just sent him a picture of my boobs." - Yeah, you definitely just made it seem like all he was doing was fixing your car. - No, I didn't, she fixed my car then. - I probably killed a fixed your car, but maybe if you weren't being such a hoe, I wouldn't have had to worry about fixing it. - I just launched the brand new hammer lead app available on every major platform. 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 for free. Download the hammer lead app by using the link in the description or pin comment down below. I want you to be on the next episode of Financial Otter right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Meet new grippy setting mist from Mavily New York. Gel to mist technology locks in your look for up to 24 hours with flexible all day comfy grip. Just plump, dewey hydrated skin that still feels like your skin. Try new grippy setting mist from Mavily New York. - Maybe it's Maybelline.