To watch episodes of financial audit a week earlier, check us out on YouTube. - My phone should be off-limits. - Why are you sending in, hey, hey, H-E-E, why, why, why? - That's not how you talk. - That is how I talk to me. - I feel very weird if my girlfriend was talking to a guy about that, I do it numerously, numerously, flirt with you. - She's also said that she's embarrassed to be with you sometimes. - I think they're behind everything since like, okay. - I was gonna air it out because we're at that point. - Who did 9/11? - The juice. - Who killed Charlie Kirk? - It's real. - Israel's behind it. - What the fuck? - I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. But I'll only have 1,000 available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise. - Hi, I'm Sam, I'm 23. - Hi, I'm Seth, I'm 27, and we're from Houston. - And this is financial audit. - Yes, it is. Thanks for coming over, guys. Sam, you're in front of me. Let's start with you. What do you do for a living? - I am a veterinary receptionist and assistant. - Okay, you talk like a child. And it's not even just the braces, like you sound like a child. - Yeah. - Okay, that's weird, but that's fine. You do you, okay, so you're probably not making a ton as a receptionist, what do you, what do you make? - Monthly, I'm about 2,800 monthly. - Okay, Nat? - Yes, that's gross. - No, that's gross, yeah. - By 18 an hour. What's Nat? Well, it's your account. - 1,200 to 2,400. Okay, he answers for you. - Yes, when it comes to math, yes. Is that math or you just don't know how much you make? - I know, it's math. - No, that's not math, it's actually just how much you make. It's actually just like what hits your account. - I mean, they just quicker with the math, that's so. - Okay, again, this is not math. It's literally just what the number that hits her account. You're not doing math when you see a number hits your account. If we're talking about, okay, you need to set aside a certain amount for taxes or whatever because of your contract, we're talking math. It's not math. It's how much is hitting her account. - That's fair, yeah. - You don't know how much is hitting your account. - 1,200 each paycheck. - So times to 20, right? - Oh, she did the math herself. Big girl. Okay, very good. Glad you didn't have to step in there for her. I'll let you answer your own questions. If you'd like to answer for hand, feel free. But Seth, what do you do? - Mormon. (laughing) - I'm in the tech industry. - Ah, okay, doing what? - How sales? - No, I work with computers. Well, I work in service. - Okay, well, yeah, a lot of people do that. What's your job? - I am a L3 data center technician. - Cool. So you make the money. And in Houston, not the more expensive city of all the Texas major cities. That's pretty good. So what do you make? - Gross is around $16,000. - Okay. - Net is roughly about $11,000. So-- - That's juicy. Are you guys married? - Yeah. - Oh, yeah, you are. You're a new leveled up. You're a leveled up. What does that mean? - He's paying for those braces. - He was actually very broke when we first got together. - Yeah, well, what about when he got married? - When we were married, he was still pretty broke. - Yeah, really? - Yeah, I was still starting my career out. So I wasn't making-- - You were what? - Still starting my career out. - Oh, but you knew where I was going. You're a little strategic monster, you know? - You know, that's what they say, but no, I actually, I had no idea. - That's what they say. Who says multiple people around us? - They sometimes call their gold digger, even though she's-- - Oh, yeah. - Who calls you a gold digger? - I was more joking, but if multiple people around you are independently calling you a gold digger, and for what it's worth, if we're just going around like you guys are not looks matched, you're way out of his league. The brace is definitely and finalizes you a bit, which is concerning, but besides that part, once those are out, you're way out of his league. - Yeah, yeah, no, I don't think so. I don't think so. - Well, everyone thinks so. - Oh, well. - Yeah, oh, the gold diggin' things not can, well, maybe if you take off your glasses and get a better haircut, it might be different. And don't dress like that. I try to dress nice. - Why? - I want to seem like I actually cared. 'Cause I do. - Okay. - So gold digger, who's calling you gold digger? Friends, if multiple people independently are calling you a gold digger, that actually might mean something. And again, there might be something there 'cause the looks match is not a thing. - No, it's been some friends here and there. - They usually make the assumption because I make more money than her. And that's why they say. - Well, and the looks match. - Yeah. - I really don't think there's a, that's not a thing. That's. - That's. - Yeah, there's the looks match. The issue going on. Okay. Yeah, so that might be fair, especially again, if multiple people independently are calling it out, now wire the Santa, it's not just the income scale. 'Cause it wouldn't just say it based on an income scale. Like, what have they told you? What are the conversations that have been happening? Who are they telling? Which one are they telling? Telling you how to concern her, they telling you how to jealous it. Which one? - It's usually me how to concern, but we share a lot of things. - Really? - Yeah. - We share a lot of things, transparent. - So what are they saying? It's usually like, I do, well, it's kind of how I portray things, I guess, more or less, because I honestly take care of a lot of things. I handle all the bills, I handle everything. - You make the money. - Yeah, okay. - Because she wants anything, I'm usually like, I'd never say no. - You make the money, but. - Yeah, okay. - I was gonna say yeah. - But they see that and they call it out out of concern. - Yeah, 'cause what are they saying is what I asked? - I spoil her too much. So one of the big things that happened. If you want something that's limited edition, like different clothes, cups, whatever, that has one drop, I'll manage to get it no matter what. - He's talking about the. - Did you talk like that? - I can't help the way he talks. - E-girl, but it's like fake. - It's real. - It's real. - That's it. - You guys might be personality matched. Maybe that's what this is actually worth. - Okay, okay, so they say you spoil her too much. What is the spoiling that they see? What is he spoiling you with? - I have a coach purse. I have a couple of Michael Korz bags. The new perfume by Alilane Lee that dropped. He got it for me. - Oh, it's not nerdy. You made it sound like it was nerdy. She's just getting bags and perfumes. - Yeah. - It's just like nice, nice things. - Yeah, but I also. - What is your Instagram? - My Instagram? - Yeah. - You're gonna be very disappointed in it. But sure. - Well, what I see that would make me excited. - Yeah, we're disappointed. - There's like nothing on there. - We rarely post on social media, yeah. I don't post on social media either. - Okay, is she allowed to? - She allowed to. - Oh, no, that's somebody follows, gonna say, yeah, you're. - The gold digger comments kind of funny to me though, because I have put my entire life on hold for him, meaning like every job opportunity that had his move from one location to the next, I followed him. - Yeah, for your career, I get it. Maybe you're not doing what you want, or do I understand that, but income-wise, like we didn't really put too much on sacrifice, right? - I mean, income, no, but to me going. - But for your career, yes. - For my career, absolutely, yes. - Sure, what else did you sacrifice? I don't know, is this like a grudge you're holding? Like, I don't know, why are you bringing this up? So what else did you sacrifice? - It's not a. - Or it's a defense against the gold dig. - It's more, like I guess, I wouldn't say a defense, 'cause I really don't look at myself as a gold digger, 'cause like I said, when we first got together, he was broke. I was helping him pay his bills. - When we first got to college. - When we were in a wedding ring. - Neither one of us actually wear one. - Yeah, mine doesn't fit many more 'cause I lost a bunch of weight, and so I haven't got a new one yet. And hers is getting dipped currently, like redid, 'cause it rubbed on the bottom, and it was white gold. So it. - Okay, that was a little bit of a yellow flag for me, but okay. - I moved away from my family, so I didn't like. - Okay, I'm sorry. Guys, I'm just waiting for something big, like you moved away from your family. We all have done that. I don't. It's not a single person. Okay, maybe Mark. Maybe Mark's the one of one, two, three, four people, five people in here who hadn't moved away from their family. I'm sorry, I'm not starting to just shit down your throat, but it's just like, what you are saying is, this is not like a big sacrifice so far. - To me, it definitely was. I was really close to my mom. - Me too, I love my mom. - Okay, well, my mom is no longer with us anymore. - That's sad. - Yes, so it's not a grudge, but it definitely. - Why are you bringing it up then? I really don't understand. What are you trying to say here? Oh, yeah, you're gonna speak for her. That's good. - Family doesn't like me because they see the situation. - Family doesn't like you. What family doesn't like you? - My family doesn't like me. - Okay, why? - Because they think I'm a gold digger. - I want to send you away for a second. I just want to talk to the girl. - Yeah, yours. - What the fuck is actually going on? I feel like you're alluding, but you're not actually saying shit. Say your shit, he's not here. - I want to go back to school. I'm gonna be a veterinarian. I want children eventually too. And we've had all these discussions that we are going to, we're going to, there's a plan, but it always gets pushed back because of this job. - Okay, for his career. - His career. - So for what he wants. - Yes. - What's preventing you from going to vet school now? I understand maybe not having kids at this exact moment, but what's preventing you from going to vet school right now? - I don't, I'm scared that we're gonna up and move again. I don't want to get started. - How quick are you guys moving? Tradition, how long have you been in Houston? - In Houston, we've been here since, well, in Houston, we've been there.
since February of this year. - Okay, well, what were you before? - Chicago. - How long were you there? - Six months. - Okay, so that's fair. Well, is he just accepting better jobs or is his company moving him? - A little bit of both, like-- - Well, if it's a little bit of both, listen, I understand if a company moves him, that's something different. But if he's accepting other jobs, at this point, he makes a great income. He can sit the-- - Still. - He does-- - As he's talking about leaving. - There's been talk about moving to Austin, yeah. - Would he, do you think he would do long distance? - You know him, what do you think? - This is, he should be open to it because of how much I've followed him. - I agree, but you told us multiple things that you're endlessly complaining that, obviously, in an way that it's career focused. I get that part, but that he's not romantic enough. He doesn't take you on dates. He doesn't do things for you. Won't even hold you, man, in public. - Yeah. - Like what the fuck is going on here? You think he'll do long distance, but he won't hold you. And why, what's going on? What is going on in this household? - I've actually given him ultimatums before to-- - So what was the ultimatum? - Start being romantic, start making me feel like you want me here, or I'm not going to be here. - And? - And he does better for a little bit, and then it goes back to-- - So the ultimatum fails? Why are you still here? - The hope is that he'll get it through his head. - Well, it's obviously not. Listen, girl, I think it's as clear as day. You're just alone for the ride. And you're never going to step up and actually advocate for yourself ever. - I feel like I have. - Are you going to stand up for yourself here or not? 'Cause I'm not going to stand up for you if you're not willing to stand up for yourself. - Yes, I am. So I-- - Listen, I don't want to put words in your mouth, but if you're telling pre-production something different then when you're on camera, I can't do anything for you. I want to help your situation here, but I can't if I don't know what's real and what's not. - Okay. It's real that-- - Please tell me. - It's real that I don't think we would have left Chicago if it wasn't for his issues at work. Then why did you just tell me that it was partially because of you? When that is not at all what you told us before when he wasn't there, when you weren't on camera where he could watch this later. What are you afraid of? - I'm not afraid of anything, I just-- - Then what is it? There's something going on here that I cannot figure out. - I do. - I'm trying to be on your side, I really do. - I know, I know. - My girl's girl. - It really is. I do feel like he puts his career first above everything, even though-- - Okay. - Even though-- - It's what you think he'll leave you? When you guys have talked about divorce in the past, why was the conversation a divorce up? I know you want to have kids within a year, but you can't advocate for it. You can't do ultimatums. It'll mean anything 'cause you're afraid of conflict so you don't ever hold your end of the bargain when it comes to an ultimatum. - I haven't in the past, but I've gone to a point now. I feel like in the past year, I've changed a lot. I really have. - In what way? - Like I-- - You are pacified or less? - No, like I do speak up for myself a lot more now. - How so? You want kids within a year? - He says no 'cause he wants to travel. I feel like he wins just as always. - The problem with that plan is that we talk about travel, but then we don't actually-- We've been talking about traveling to Japan for like three years. - Well, what are you gonna do? If you want kids in a year, what are you gonna do then? If the Japan always gets pushed off? - That's my point exactly. - No, that's your point, but then what? You'll leave no? For whatever reason, you'll never leave, which is why he can do whatever he wants. And that's what I am learning here. He can do whatever he wants. He never asks to sacrifice anything. What does he sacrifice for you? He won't get off his game. - Honestly, I can't say anything that he asks. - Exactly. And what's really concerning here, and this is very rare on the show, but I mean, I'm being typed from just the producers that you fold on everything he says, that you contradict everything you told us privately when he wasn't listening or had the ability to listen before you came on the show. You're contradicting yourself. It's like, I'm not alleging this 'cause this is not the case. I just know nothing violent happens. But this is almost like, this is almost like if something violent did happen and the woman is just on camera, just afraid to say the truth. - I just-- - I know nothing like that is happening, but that's almost as like-- - This is nothing. - It's that kind of craziness with how much you're contradicting yourself. From everything you said before coming on the show. I'm gonna send you out, then I'm gonna talk to him. - Okay. - Yeah, you go out. - Okay. (upbeat music) - What would you hold her hand? Why do you just play video games all day instead of giving her any attention? You know, it's weird on top of that. You know what I saw when I looked over to her phone? Guy's snapshotting with this. She told me she has a guy best friend. It's a bit odd. I'll be completely honest, especially with you guys barely being together, barely even touching each other, barely even loving each other. But what's weird here in this dynamic and this is what I was calling out when you're alone and they specifically said, 'cause someone was with you out there, that you seemed incredibly concerned about whatever she in paranoid about what she was saying in here without you. And then the moment I sent her out there, you were really in her about exactly what she said down to the word in detail. - That's not the real thing. - Are you still controlling and weird? And you know what? The thing is, she was saying privately to the producers completely different things than she is saying on camera and in front of you. Because she's almost afraid. I don't know why. Maybe she's just a pussy. And I don't think there's something weird going on here in terms of not violence. I'm not saying that or even manipulation. But there's some reason that she is afraid and you are controlling in some kind of way. - I would say that I'm afraid but I would say that you are a little controlling when it comes to certain things. - I don't try to be. But I don't try to be but you really don't. I really don't. - Other way the fuck where are you? - I have no idea. I have no idea. I can't even catch myself. - Are you afraid of relieving? She has a guy best friend. Are you afraid of that? - Not afraid of relieving, no. - Really, you've had conversations about divorce. Is that why you're so controlling? You don't trust her? Why are you so controlling? It's freak behavior. - I mean, she has tons of guys on her phone. Literally, like-- - I would not say, do not say a tons of guys. I talk to, I literally talk to-- - No, when I went on there and I wanted to get in to see if there's anything interesting, I swiped up and there was like four individual guys who are snapping her, which is weird. - What's ironic though is like when we first got together, I had to remove all of the women on my phone. I have like no women on my phone. - Do you guys on my Snapchat that you're talking about? It was the one guy you know very well. My best friend, you know him, you know. - Why'd you do this? Why'd you do this? - Because my, I wouldn't really consider him, but we just talk a lot. That's it. About random things all the time. And you've seen, you've actively seen our messages. You've actively seen what it is. - Okay, let me actively see them. - I'm so okay. Huh? - Show them what's Snapchat. - Oh, that's weird. - The chat sucks as fuck. What the fuck? - I'm kind of curious. - Why could you not show me? - It's like what? What do I see? - Maybe I should get access to it before you do anything. - I didn't do, you were watching me. I didn't do anything. - You shouldn't do anything. - Okay. - Is there gonna be anything about on there? - No. - Do I need to know now before? - There's nothing on there. - Are you sure? - Yes. - Okay. - If we came here and I found out-- - Very odd, it's like, hey, hey, what you doing? Why are you sending him, hey, hey, H-E-E, why, why, why, why? - That's how I talk to him. - That is how I talk to him. - I want to talk to him. - I feel very weird if my girlfriend was talking to a guy about that, like that. That's not how you talk to me. - That is literally how I talk to everyone. - You don't say, hey, with a bunch of, like it sounds really dumb and flirty, but like, it's serious. You don't talk to me like that. - I don't see anything. - You called him "seeing your other man." We were on the way here, and I said, hey. - Boy's getting cocked. - I said, hey, he asked what I was doing. - No. - And then there's gumdrop. - Gumdrops. - Gumdrops, so yeah, gumdrops are a good friend of ours. You said, what was that last text? - Weeks ago. - Okay. - Bit odd. Bit odd, I'll be honest. And yeah, streaks, but that's a bit weird. And the guy best friend thing is a bit weird. And she did say in the pre-interview that she is like, well, she said a couple things. She has never told you, but told Colton specifically that she's like 20 something, looking around thinking, I haven't accomplished anything, and that she's never admitted out loud that she blames you in your career for it, and that she has resentment. - She said that, but you seem to be pretty happy a little stuff that I get you. You seem to be pretty happy like where we are money-wise. - Can you bless me with something? - Oh, God. - Money-wise. - What were the bags again? - The coach, Michael Cors. - Okay, coach, okay, no offense to coach, but one, formal stitch work two. Like, I mean, let's, we actually had a return. - And two, go to an outlet, and they're like 100 bucks. - Well, actually, we went to an outlet. It was still like 300 bucks. - That's what you're bragging about? You're going to an outlet store? That's what you're saying. - She should feel great about, I mean, I'm sorry. Like, yeah, buy it, buy it back, sure, that's fine. But come on, saying like, oh, I got you coach. - Well, she's so happy. - I got her a car too. - Like a brand new car. - Okay, well now I think I understand the family gold digger allegations. - Yeah, like she-- - Oh, she's buying her brand new car. - She has a Bronco, right? And she's one-one-one.
for two years. And when we moved down here, we got a bunch of money that was given to us, bonus was explains that and it was one of those things that sort of like finally know you you want to trade in your car, you want to get a new car. Sure. Can we just did it? Okay, I really don't like going through my phone thing. Oh, do you not? That's a shame. Can I have that please? No, absolutely. It's certainly not. Yeah, you said in lots of messages to guys. It's not. Drining in student loans with massive interest rates, I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refight into private student loans and they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. 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Download and I'll start the free trial. Dallowwise.com. Link in the description below. If I can be a good numerously numerously flirt with you, but it's like he doesn't know what he wants in life. What do you think? What are you scared of me? I'm not scared of anything. You didn't put it on your no no list. You didn't. I do this to every guest on the show. You're literally nothing. What is he afraid of? I don't. I'm being. I'm actually kind of nervous. No, I'm actually being kind of serious. I don't. What is you afraid of going to my phone? Seth, what is you afraid of? I'm actually being serious. I'm not afraid of anything. You can go through it by yourself all day long. I just don't. I don't like it. What? I mean, is there anything? No, there's nothing on there. I just said. No, I'm saying do you want off-limit stuff? Like if there's off-limit stuff, then it's off-limit stuff. I feel like my phone should be off-limit. Why? That doesn't happen. I go through every guest phone. You didn't put it on the no no list. You didn't know why. No, I don't like other people on my phone. I understand, but you handed them your phone on mark. There's literally, there's nothing on there. There's got to be a reason. There's not a reason. And I'm actually starting to get kind of mad. Like I just want my phone back. What do you so set it? What are you? There's nothing I'm afraid of. I just don't like people going through my phone. Because of is my private is my private like phone. Like I this is sus. I'm sorry. It's a bit sus. I don't care. That is sus. I just want my phone back. I think I'm actually being serious. Well, I'll give it back. I'll give it back. But is that not weird to you? It is. It's odd. I don't like know exactly why if you didn't want it to happen, we should have said no to begin with. And also why you don't want to give it to me. I felt so pressured into giving it to them. I was like, there's nothing on there. I'm sure. Yeah. I just, I don't know. When I said, let me see your phone. And then you said just give it to me. Is there anything on I should know about? There's nothing I just said. You can go on it anytime you want. You have my past cone. I just don't like other people doing so. Okay. Okay. That's it. Do you want? Like that's the only reason you just nervous about it. Yeah. I didn't get on Wi-Fi earlier so that I didn't go through it. No, I just didn't have a reason to get on Wi-Fi earlier. You just went through it. You didn't see anything. And you're freaking the f**k out. And I never given a guess freaking the f**k out. I just don't like it. It's just my weird little tweak. I just don't like people on my phone. As we're talking about how you have all these guys and guy best friends and okay. Dynamic is weird here. And listen, she's also said that she's embarrassed to be with you sometimes because I mean, I mean, I guess I would she says you're very conspiracy brained. She's like nervous of you being around people because you just go crazy talking about like I don't know. You go on this juice shit all the time. Apparently like I don't even I don't even know talking about juice, talking about black people, talking about gay people. You just like get all crazy. What's the shitty says that like makes her so concerned? What do you say about the juice? I think they're behind everything since like JFK. Like I don't I think that the government is not great for anybody. I think that like our current government and governments in the past since like since JFK, honestly, it's just a little weird juice. Yeah. Well, no, well, it's kind of convenient. How every every president since JFK has now kissed the wall after he was assassinated. And it was proven that the CIA actually I don't think you mean juice as a whole. I think you mean the lead like us to Nazi Jews. Usually the ones who are over it is the government. The government of Israel, but those people not like what you can't just say. No, not all of you. Jews are just a great people, but like I'm talking as in like the Israeli government people who try to control everything because it's really convenient how you literally they're trying to get to the point where you can. Who did 9/11? We missed the truck. We're not aiming for the truck. The juice who killed Charlie Kirk. It's real. Israel's behind it. Oh, it's fine. They're involved. The government's involved as well. They're all involved. It's kind of convenient how it's not a 9/11. It's kind of convenient how they were taking selfies like Israel's special forces. It's your special forces. Were they touristy? No, they were taking as the buildings were burning. They were taking selfies. It was shown like it's actually a thing. It's really convenient. How do you feel about this? It's insane. We've never agreed about it. You don't care. No, I'm the Jews. No. Okay. I have very strong conspiracies that a lot of people don't shit. How did the Jews kill Charlie? Didn't they just even get even better evidence like last week about the guy who killed them? About how the 30/06 was not the right bullet. Even though that's the gun they found conveniently stashed with no tools to take it apart. How did it become a Jewish man? It's not a Jewish man. It's the person who actually killed them. They have that. I don't know. There's a lot of conspiracy involving the actual death of him entirely based on his microphone, like how he micro-explosives. Do you notice how you keep saying conspiracy? Yes, because you're not going to know what someone comes out and says something, but just like JFK, they had so many conspiracies about it. They had so many things that they were like this is obviously the government would never do that. 50 years later came out. Oh, yeah, they did. It doesn't matter anymore. No one cares. You can't just assume that every killing is the government. No, but it's really convenient that like he's going against a lot of like Israel beliefs going in. He denied $150 million from Israel and all of a sudden, like a couple days later, he was killed. Like it's because he was he was changing his view about Israel because of the ongoing war. Who do you watch? Actually don't watch like live live news. My sources that I made it the fuck up. I try to avoid that. Who do you read? I've watched Candace Owens and like read Candace Owens stuff. Lots of like on phones and stuff. Like not really online. Like not really on TV because all major news that was actually owned by Jews fun fact. That's a whole thing. Like a lot of their hierarchy is all Jewish people and almost every major news. Including Fox News. You got a Jewish house. You do. You have a Jewish nose too. No. Yeah. No. Yeah. Nice for other knowledge. Yeah. You have a larger nose. What do I? Yeah. I've been told I specifically don't have a Jew news. Jew nose like it. I don't have the bump. I don't very well. That was still good. Huh? You smell very well. Yeah. That was good. Huh? What? Oh. I didn't hear that. But you got the bump. Okay. So he's not afraid of you like taking over the world or something. Oh, okay. Okay. Yeah. So yes. Okay. I understand being a little nervous. I've taken places. Um, and I guess on black people, you have conspiracies and gay people got conspiracies to like gay people, gay people, gay people are great. Gay people are great. Typically toll. It's LGBTQ. LGBTQ. Okay. That they have the move that they do who they kill. Uh, they didn't kill anyone. It's just it's force fed down your throats. And then they have like men who are old and like tidy wideies like like was it dancing and stuff in front of children? They were twerking front children parades. There's a gay pride they had. Okay. And it gets a little x-rated.
- Those things. - Yeah, it just seems wrong to me having like eight year olds, seven year olds, even younger. - Just watching. - It's just like watching. - She criticized the parents bringing their kids. - Yeah, but why would you even have that on display? - That's a bit more. - Where if you get naked? I mean, I get that. - I mean, they had like a, they had a trans show at us like elementary school. - Uh huh. - Like that's just wrong. And they were like very, barely clothed. - It was wrong. - It was just talks about just like, he just gets upset at a social shit all day. - Yeah. - Yeah, basically. - Just think, I think like the world is, it's honestly like, it's just, it's just listen. Yeah, I mean, yeah. I might not agree with some stuff, sure. But like, it should be too mentally exhausting to give up. - That's what I'm talking about. I don't know how you can like. - I'm more just care about economics. 'Cause without a sound economy, none of that even matters. - Oh, you're right. - But, so it's just like, I just care about like the real shit. Instead of the shit that just is meant to rile you up. And then black people, I guess. And being told as well. - No, black people are fine. - I don't know problem. - I mean, no. Like the stereotypical people who caused like, for example, a Walgreens to leave a community. And they're trying to sue Walgreens for leaving that community. 'Cause they stole too much. - Uh-huh. - And it's a black community. Like that just seems a little weird to me. - But black people, black people are great. There are stereotypes that ruin it. - But, there are stereotypes that ruin it. I mean, a hundred percent. - Hey, there's stereotypes that ruin everything. - Yes. - What about the, what else? - What are you trying to say about black people? - I got into like, several discussions with people about how they're trying to say, well, because I'm black and I'm a minority in the country, I can't be racist. I'm like, well, that's just not true. That's a hundred percent not true, okay? - I even used the example if I went over to Africa to a tribe that is pure black. And I'm there and they're racist towards me and I'd be racist back. That makes me not racist because I'm the minority. And they're like, no, I'm like, that doesn't make any sense. - Okay. - Like there are people who hate white people just because they're white. I have no other premise to it. And it's like, I-- - Yeah, there's some bad people out there. Okay, so he's this very inflammatory. - Mm-hmm. - Yeah. - With his opinions and thoughts. - Which is whatever, think whatever you want to think. I don't really give a fuck. That's not really my thing. But it's like time and place, my friend. - Like if she-- - It usually is, it's usually like I-- - If she's embarrassed of bringing you around people though, I don't know. - Like-- - Like she's embarrassed. - A lot of times people will actually bring up political detest boundaries and test like people if they're gonna mesh with them or whatever when you first meet them. - Dude, I was told that you were disliking that I even give a platform to some of those communities. I don't even know what that means. - It's not that I dislike you give a platform. - No, he even dislikes when Caleb gives a platform to some of those communities. - I never said platform. - I never once said platform. - That is a direct quote. - It can be a direct quote. I never said platform. I don't use that as-- - I don't never say the word platform. - Well, what's the issue? - The issue is like there are some people who need to be ridiculed for things that they're doing. Like animals, for example. - That's what this whole show is, I ridicule. - You didn't-- - You said that, I put them on. - There are some people that you didn't ridicule very well. - I ridicule everyone. - Everyone on other things. You just avoided some of the topics. - What? - For example, someone did-- - Which is the things we just talked about. - They did like a trans surgery on their cat. And that's horrible. - You're so stuck on that. - I am. - Also, it wasn't a trans surgery on the cat. It was literally like a surgery for their actual urethra. And it was like a funny. How it was like technically a change of sex. - It was played up then. It wasn't even played up. If you actually listened to the reality of that conversation, it was clear that it was a necessary surgery for like the cat's life. But what the funny outcome is that it was a sex change in the end by my cat. - He needed some transitional surgery. - Transitional surgery. - Yeah. - What, to what? - To widen his urethra. - He made him sound like he switched sex. - He did. So he was-- - He became out of a-- - Yeah. So we neutered him. - Good for him. - He hurt. - Okay. So I was misunderstood. - But you just decided to get angry at it. - I misconcured it, yeah. - How? Because that's exactly what we just said. That's what was said in the clip. That's not the clip I saw. (laughing) - The clip I saw did. - No, that was the clip. Was that not the clip? - Okay, everyone saying that's the clip. - It may have been a second-hand clip then. - But what, I don't-- - A yell at trans people for being trans? - No. - Nothing wrong with that. - Let them do what they wanna do. At that point. Not their body. - What are you talking about? - What are you criticizing? That I'm platforming or whatever. Not platforming, I guess you didn't say that, but what is it? - Well, apparently it seems I misunderstood some things. - Anyway. - Well, I guess the trans cat thing, but what's the other, what else is there? I don't know. Like I just yelled at that trans person for having taxpayer-funded boobs because again, economics is typically what I get angry about the social issue. So I'm just like, eh. - But I saw that one. That was disgusting. That was horrible. - Well, the taxpayer-funded boobs, yeah. - Yeah, I mean, not the best. I mean, as far as I guess where a tax money goes, but okay, so I think listen, and maybe you're, I agree, people are assholes and the fact that they say like, "Oh, I can't, I can't be racist." It's like, yeah, that's f*cking annoying. Just shut the f*ck up, you know? But it's like, time and place. If she's embarrassed to take you places 'cause you're always just like, "That you!" Then, yeah, I'm a little, I'd be embarrassed to take you places, too. - Yeah, I think that's a little inflammatory on its own. I don't do that everywhere. - I really think you just need to let it go. I really, I think you need to let it go. - Let it go in as a whole or let it go here. - Oh, no. - Because I'm not letting it go. I was never gonna have to. - No, like, let it go. - But what's your obsession? - Like, why? You can, let's pretend every single bit of it's correct. You can't do anything. - No, 100% can't. - So just live your life. It's a temporary life. Just, yeah, try to do the best you can with the ability that you have. - I just, I hate the Jews. - You're sheltering enemies of the state, do you not? - I hate the direction of the country currently. I hate all of it. - What's the direction? - I think that like, it's just been, not like, the economy is first thing. Like, we're drowning, everyone's drowning. - What do you mean we're drowning? - Like, less people who are young have owned a home. Like, people who are my generation is hard for them to get into a home. - Yeah, but why do you need to buy a home? Like, most personal finance experts, like, don't even advise owning a home. It's like, classic American dream bullshit, but the marketplace outperforms it any day of the week, so rent. Especially with how quickly you move. Why would you want to own? Well, you move everywhere. - Yeah, I don't want to move anymore personally, but I'm, I have to go into my place. - You literally have been talking about us moving to here. - Austin or David? - Obviously, it depends on multiple places, but we do know that the median household income in the United States currently can afford 25% of the homes on the market. That is low. Before COVID is 50%. So it's mostly interest rates driven at this point. So it's not great, but listen, it's like, once the interest rates go back to normal and if it gets closer to that 50%, it's like the end of the world. Millennials, 50% of millennials own a home if they're not mistaken in 25% in Gen Z. So like, it's just, it's not like, it's not complete doom and gloom. We have more disposable income than any other portions of humans that have ever existed in the history of humanity. So like, I guess it's just gonna be doom, gloom, gun in the mouth, or are you gonna do shit? You do incredibly well. You make almost twice the median income in the United States. You're just gonna be sad, cry, be a pathetic, whiny little baby. Are you gonna go do something? - You can buy a home? - Try to make money. - Why are you complaining about a home shit? You can buy a home. - I've tried. - We tried to buy a home. - I said my DTI was not good. Even though, well, yeah, I mean, I got paperwork for fucking days, those were your choices. That wasn't the housing market. Those are your choices in the debt you chose to get into. - No, we lowered our DTI to 37%. They required 47%. The mortgage lender actually shocked under credit and still came back with a no. - Also good news. There are more mortgage lender's issues. - I know, but after they shocked my credit, it screwed us. - What do you mean? You can apply to mortgages. I think it's within 90 days of mortgage applications. - See, I was new to buying a home, I didn't know. - What? You can look all this up. - Yeah, you can, and I didn't. - If you're going into doing something, do you not usually look up what it's like? - I do. - I do. - The process of it, because it's kind of like, - I get obsessed with over everything I'm about to do. - There's several people who have different opinions on how to buy home and what comes out of it or anything. And I want to have rental properties. I want to have money. I want to get to the point where we're financially free, but it's-- - rental properties. - Yeah, not really. - That's what I want in the future. - No, you should, and it's really bad personal economics and investment. - Why is it, why? - Because the stock market outperforms every single day of ever. - So would you say, like, put money more like S&P 500 types down? - Yes, or commercial property. Commercial property at least has tax benefits. Almost no one's getting in rental properties this day, unless they already have a massive state code. - And commercial property, you're talking like owning businesses on that part. - Okay, we're not talking about that. - That's super important. - But yes, listen, that's something weird going on in the sauce. You're not willing to talk. You're not willing to let me just look at your phone. I'm gonna look at his phone later and see if I see anything weird about you. - That's all my fascist decision, too. - Yeah, but I'm gonna look through your tax message conversation to see if anything's weird in there. - I'm gonna, I'm gonna clear some air. Is there anything on there about talking about my family? Is that why you don't want to brought up? - There's, yeah, there's talking about you, your family. - What? I'm just gonna air it out because we're at that point. So, oh, my family doesn't like her. They haven't liked her since I first started dating her. And they call her brown. - Honestly, I really think so. - I don't know the real reason to be honest with you, but they call her gold digger white trash. They call her all kinds of things growing. Like, to the point where like, I stopped talking to my family for like two or three months because they pissed me off too much with it. I told them that they can shove it. She is who I wanna be with. She's who I chose. Like, you're gonna get over it. And I'm at odds ends with them frequently. Like, my dad recently visited and he still had things to say. And to the point where it's like, in two year point, I could be skewing some of the conversations with them which cause them to have some of this belief, but it really aggravates the hell out of me. - Why don't they like her though? - I don't know. - I don't maybe they look at gold dig, but I can't figure it out. My mom has come around for a while now. - What are they like ultra hyper conservative? - They are. - Okay, but aren't you? - I mean, I think you are. - She's more the project thing, huh? - She's more on the edge. - But she's very religious and whatnot. - I am really religious, but I wanna say that I'm like ultra conservative. - And my family's religious. - Is she a white trash? - No. - Does she come from white trash? - She came from the trailer house. - I can see that question. - All right. - I grew up not like on the wealthy side of things. My mom was a single mom, she did the best she could. She had four children.
So, and I guess in their opinion, that made me white trash because I didn't have a big fancy house. And they look down on that if you're not marrying in their income skill. They think that if you come from two different family backgrounds, then you're not going to work. They have to be similar backgrounds. It also brings up the whole education thing too. They've brought this up to you. They look down on me because I don't have a college degree. But you did that for him. Exactly. Exactly. My mom has masters. My dad has masters. I think my sisters have masters. What does it do? It's what you accomplish in life is what matters. That's what I'm a college drop in. I'm richer than all of you, mother. Yeah. But that- It's hard to convey that reality to be honest with you. As much as I've tried. Like my mom will get to the point where she's telling me that just let him talk. Just let it go. Just, you gotta let it go. Like a white purity thing. What are you? What are you? I'm Hispanic. Yeah. Oh. There it is. I think there it is. There's more to it too, though. Because my dad's first marriage didn't work out. And he said- To a Hispanic? No. He was married to- he was in the military and he was married to some lady who cheated on him. She had three kids with her and then she cheated on him with his best friend. Oh. Who's in the most areas? It's unfortunate. But like, he is portraying a lot of his trauma onto me because he keeps saying it's like I'm watching a video of myself when I was younger. And he's like, he's telling me not to make these mistakes. For example, I told him when he came down that I wanted her to- I want to make enough money where she doesn't have to work and she can focus on school, so she can go back to school and get her degree. And that way- That work if you keep moving, but yeah. That's very true. But the problem that I've got is that- Sure, they're not just worried that you're getting with what they consider the help. But see, does- see you would think that, but then they sit around and say that I don't do anything to help. Even though I was the one- They say that I'm front of you? No. No. How do you know? I- they talk to me and I share that from- Yeah. I believe in transparency between us when I- Kind of, but there's like, you can be a little- She's the person I've been to. She's like, the person I go to for a problem- Yeah. But you're venting to things that are- She's our- Dean Hem. I mean- Her. To be honest with you, when I told him that I wanted her to be able to go back to school, and for me to just make enough money where she doesn't have to while she's in school, because she gave me a school for six months, she wants to go for a vet, so she's gonna be there for a long time. And- Where she chose her over- Yeah, over. But he told me that- If, like, don't do that, because- It texts as an alimony state. So if we ever divorce, right? I'm gonna have to pay alimony. I'm like, I can't live my life like I'm going to be divorcing all the time. I can't. I can't live. Did you guys talk about divorce? Why? We talked about divorce because- Part of it was part- One time it was because of the like relationship with your family. Yeah, that was one- That was one big thing. That was one big thing. But it's not even, like, I don't understand that fully, because what their opinion is is not my opinion. It's definitely- But it doesn't matter because you, even though you don't agree with them, your dad has said so many things about me and even to me and never once has apologized and I've just had to let it go. But this is that two- He doesn't know. He was actually like- There was a text one time that he sent me before we got married, calling me a gold digger or white trash, said that- He texted you that personally? I know he texted you that. He told me that something about- we were the reason that they made divorce or something like that. A lot of lies. He like- What the f- He said a lot of like horrendous things. It's crazy. But- You never told me that he texted you. Not once. I didn't know that he texted you. I showed you that he texted you. No, you never did. Oh, yeah. People are f- It was a whole paragraph about how I wasn't worth it and- All like a whole bunch of like- You should have told me that a long time ago. Yeah. Right. And he's never like- he's never once had to apologize for it. I just had to let it go because- I always thought- How can you see them? I'll often do it. We see them a lot. No, we see them once a year now. Well, now since we like- Twice a year. Since we moved out of state, like once or twice a year, but when we were still in state, we saw them a lot. When you guys were talking about this in the green room, he specifically said, I choose you. He said- and you said to him, "What's news to me?" 'Cause that's how Rocky Hall's relationship is. And listen, you want her to be a tradwife, but she wants to work. She wants to do so. But you want to put her in a tradwife to him. She doesn't have to stay there at all. Like, it's one of those things that has to happen if she's going to go to school. Because she's not- if she wants a kid and she wants to go to school, she can't- Wait, are you going to give her a kid or are you going to push a pan off for another 10 years? No, I- I told her what- I have like one thing holding you back from it to having a kid. I want to travel. I want to travel the world first. Do it. You've been talking about it for three years. Exactly. You've been doing it. We've been talking and talking and talking about doing it, and then we never make a plan to actually make it happen. Yeah. Why? She wants to have kids. Why not? It's really 'cause of the debt. The debt is what's holding it. Yeah. People have kids and debt. You can do it. You can- they're going to be sucking on those titties for a while. It's like, it's not even- it's like, it should get some more expensive- once food gets involved in shit. Yeah. You make so much money. You live in a lower cost living area. You're fine. I see that. That's what they keep trying to like- that's what they keep trying to tell you that we're in a lot better situation than you think we are. I don't know what I'm like. I think you can have a kid. I feel like we have some things to work on first, because a kid adds a lot of stress to relationship. And if we don't, if we don't work on those things first, I don't want to have a kid to be like five years down the road and then we have to go see. Then you should say that instead of trying to make finances to use. Finances is part of it. I said there's several reasons. What's the total household debt over 100k, easy. If you count the cars over 100k. What's the total household debt? Are you counting cars and not counting cars? Mousing or not counting gang violence? Is it a debt? Wait, yeah. Then I'm counting it! Probably like a hundred in Western loans, 170. But I guess. I don't know how much debt he's in. So I- What? Credit card, yes, I guess. Why don't you know? Is your husband? I know. I- How did you say you guys are in a better situation than you think? You don't know how much debt he's in. I'm talking about life. Wait, why don't you know anything about what's happening in the house? I just don't handle it. It stresses- it stresses her out. And so I handle it. Oh, stresses are out of the phone. Does that mean a pathetic. Stress is you out. You know what's going to stress you out when it gets absolutely worse because you're not involved in the conversation in any way. He- Don't delay the stress and make it even worse. I have been trying to get you- So you're 107, is what you say? That's 170. Okay, 178. Yeah. That's 178. That's how much bad that you have, 178.312.57. How does that make you feel? Yeah. That's not a mortgage, by the way. None of it. I just launched the brand new Hammer Elite app available on every major platform. You'll get three exclusive dedicated shows every single day Monday through Saturday. And to celebrate the app launch, I'm offering 30% off the annual plan in the month of June's only. Plus, I have an exclusive offer just for you, but it's limited to the first 1,000 people to purchase. For a one-time payment of $500, you'll get our entire Hammer Elite catalog for life. And a limited edition Hammer for life box packed with limited edition merch you can't get anywhere else. Plus, you'll get access to our exclusive 4-hour Hammer Elite Day live stream on June 27th. Download the Hammer Elite app by using the link in the description or pinned comment 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. Not great. I think 90 of that's car. Correct? Or how do that's car? 100's car? Yeah. If you count like. That alone is insane. Yeah. What the f*** is wrong with you guys? Two cars. What do you think your household financial score is? Zero to ten. Zero being the worst ten being the best. Two. Three. Do you watch your annual financial score? Get it for free at Calebhammer.com. It is free. It just takes a few minutes to see where you stand on the world of money, where you're doing poorly, where you're doing great, what you need to do to improve it. Check it out, Calebhammer.com. And if you don't want to be like you guys who ends up on this show, make sure you download the dollar-wise budget and app it will actually give you the insights with the automatic connections that she would see what's actually happening. So take the free trial, see if you like it. If you do, most people take the annual version because it saves nearly 50% and then I sign the 30-day meal plan that we made just for you guys, I'll sign it and mail it directly to you. Here you go. Congratulations. Cook some food, asshole. We actually have the dollar-wise budget. Ooh, yeah. I just got it. Okay, well now you get it for free. Congratulations. Okay, so I have two stacks. This must mean separate. Done. Am I seeing two people? Yeah. Okay. So who stack is first? It's probably mine. If that's the bigger one. The bigger one is. It's on the bottom. Then that's first. Okay. Before we get started though, I have a gift for you. Oh, it's not split? That was just like a convenient thing. Okay. I have a gift for you. Before you get started. It's massive stack then. Who has an REI capital one? That's mine. What the fuck is wrong with you? It was $6,000, $69.49. What the fuck happened here? Yeah. I was given that as a kid when I say a kid. As a kid. I was 18 and they gave me something. Oh, shut the fuck up, Atheas. When people go vote. That's when people go have a couple of years to work under their belt. That's where you can drive for a couple of years, a multi-time vehicle down the road.
people killed. That's where you serve overseas and kill people and kill yourself. What the f*ck? Shut the f*ck up. If you're fantasized freak, if you're under 20, you're still concerned. Okay, then you can't poke. Cute. That's fine. Then you can't serve in the military. Then you can't work. You can't drive a car. Cute. Yeah, they might be immature. It doesn't mean you're a kid. You're not a f*ck kid. Stop being infantilizing. Genzy. What is wrong with you infantilizing yourselves? What the f*ck? You're not a child. You're 18. Well, I was given this. But there was nothing I wanted more in life to become 18 and you go live some independence. What the f*ck is witty wanting to be a f*ck kid? You're not a child. I didn't even leave my house until 21. Yeah, you're a pathetic little, do we all know? I didn't leave. I didn't leave. Yeah, no sh*t. I wanted you. My family told me no. Keep telling me to stay. Yeah. Yeah, your parents are f*cking weird. Cult. "Many people believe Joseph." Okay. So you're giving this as a kid at 18. That was so well. Guess what, buddy? You're 27. Why do you owe $6,069? A 27-year-old child. We bought a bunch of stupid stuff with that. Oh, so I had nothing to do to get in as a kid at 18. No. So what the f*ck was that? Pathetic wine, you little f*ck? What was that? I hate that sh*t. Camping gear and other things. Sorry, I can't be recognition. I've never been outside of your life. Rosie asked cheeks. I actually loved to camp. Camp's awesome. I love camping. We used to go to jacassia there a lot. Huh? We used to go to late jacassia a lot. What do you clamp? You'll glamper? No, I'm not a glamper. No, this one's the glamper. I like going. Oh, it's cool. I like going rucksack going into the hiking 10-15 miles in. Okay. Okay. See, you guys bought a lot of camping gear. Well, congratulations. You'll be paying that for 20 years. 20 years so you still won't have a kid? Well done. For the longest time, I was paying the minimum amount. And now, now that we're actually able to, like, breathe some, I'm able to pay more than that. That is true, guys. He paid approximately 10% more than the minimum and then purchased well more than the extra amount he put towards the minimum anyway. Go f*ck yourself. What? What was that? You want a little high five? You're trying to get a little high five financial out of fan? Go f*ck yourself. Yes, the minimum payment is $210. You put $242 to it. Yippee! It was 32 dollars above. Yeah, that's it. Yeah. It's less than what I usually pay, actually. Okay. Well, guess what? I don't f*ck you usually know bullshit. Go f*ck off. What are you talking about usually? That's what you did. That's what you did. And it doesn't even f*cking matter anyway because you spent $92. Oh, that's what I usually do. I usually do better. No, you didn't. You don't. You don't. This is what you did. And even if you usually do, it doesn't even matter because if you spend more towards it, you just, there if you put more towards it, you just spend all that addition because you max it out to the $6,000 a single time. Anyway, so it doesn't matter. Okay, maybe you put 500 towards it last month, but then you spent $550. So it doesn't matter because no matter what you do, you bring it up to the $6,000 and guess what? Here's a little insight into the finances for the very first time. It's over the limit. $6,000 is the limit. It's $6,069. He's over the limit. I didn't know it was over. Yeah, you don't know shit. So stop trying to pretend like you do. Yeah, we've had discussions about me being more involved in all of it so that I actually know what's going on to try to prevent him from paying it off and then using it again because you prevent him from paying it off? No, like like adding me, like me being more involved in the finances and knowing what he's spending so that he doesn't spend it anymore. So that it's just being paid off. Why do you need such a mother in life just because you're sucking on your mom's tits? Tell you're like 12. I'm telling you out of the house until you're 21. I am terrible with online spending. Terrible with online. What is it? I will spend shit like crazy. I told you this is then put at least towards it, what you spent. Yeah, if you spend more than you put towards it, it takes 20 years to pay off pathetic. Yeah, when I take money out, I hold it forever. But I can't for some reason my brain just doesn't, it just lets me swipe and I just move on. That's who you want to be with. No, the goal is to make you kid with. The goal is to make that better and not do it anymore. Yeah, that's the goal. He's not. So what are you going to do? Do another ultimatum that you never actually ultimatum on? No, probably just probably just not give a shit. No, actually, no, actually give a shit this time. What are you going to do? Let's give it a shit. Let's see you stand up. Be on the bank state. Like be like, actually get a joint account. Be on the credit card account. So I know exactly what's going on. So that when he tries, when he tries to spend money, then I'm just going to be like, no, don't do it. No, no, no, don't you do that guy. And then he's like, okay, I mean, what else am I going to do? Leave. I don't know. I don't want you guys to break up. But listen, if he's willing to live his life now, sacrifice anything and you have all these problems with the things that are going on like this and you want to have kids, he won't have kids. He was put in an up to pen for all this shit that we've talked about so far. And he's not willing to change anything at some point. Yeah, that is like the only option. I don't want it to be the thing. But why the fuck would he ever change? You're a frog. I mean, are you going to make a difference? Wow. We had the talk about going to Japan next year. That's what I'm talking about. Because I get my bonus around like the March time. I get our bonus around the March time. And I want to use that to go. Plan it like pay for everything and go into the card. What is the problem with you? You don't have to go to Japan before having a kid? That's not a requirement in life. Yeah, Japan fun. Great. But she wants a kid. She wants a kid. Wasn't like anything. And guess what? You have maxed out credit cards over maxed out because you keep spending money on what? Something online you have paypal 64 bucks, expiring credit. You're paying for that. I don't know why. Because wrong with you. I think I said it for real. Google's Zedge. What is Zedge? In app game purchase coins, bullshit, something like that? Yeah, that's that monthly thing I need to cancel. Monthly what? It's like a, you can sign up for like, it was back when I was younger actually like a long time ago, a long time ago. You were a kid nine years ago, according to you. What's a long time ago? It was bud. Oh, shut up. What is it? Eight years ago. Easy. No, what is it? Oh, it's like a ringtone thing. It's some stupid thing. Some stupid thing that you're stupid. It's dumb. It's this for, it was for ringtones on a phone at one point. Those cabalas, let me guess. Give me same day, which is. That's what Sam rose over the limit. Yeah, smile away. You're never going to do shit. I say this out of love because I actually don't hate you guys. You guys are very pleasant, but you are both, I think, two of the most pathetic people I've ever met. I say with love. I want to change things because I want a kid, but I want to do your prioritizing Japan. What are you talking about? You want a kid? If you don't want a kid, if you wanted a kid, you'd be doing any of the things that would require. All of my friends that have had kids have pretty much stopped their lives. Remember it's control. No. Are you raw loading? No. Condoming? Okay. Well, that's good. Thank you. Okay. I don't understand. You're choosing Japan for the bonus to go to instead of paying off the debt. You're over the limit on these cards. I want to change. Congratulations. You said the right thing, but you're not doing the right things. It's words with no action. Like I said, again, I actually do like you guys. You guys are pleasant. Okay. That's fine. But you are two of the most pathetic, wet towels I've ever met. You're nothing. Your mama and dad is boy. You will never, I don't know what is happening in your past, but you are the wimpiest pussy I've ever met in my life. No, you say that. I would. I don't give a shit what you'd say. I would say that. And I did. And well again, I'm not going to, I'm not going to just leave someone. I say and leave, but you can't do ultimatums if you're not going to ultimatum and you're not willing to do anything. None of the ultimatums were about finances. So it doesn't matter. You did the ultimatums that he never followed through and your ultimatums that you would leave and then you didn't. So it's just like it's pathetic. It's pathetic. You can't stand up for yourself. I wouldn't say it's pathetic not to leave someone. Congratulations. I would. Well, that's your opinion. In my opinion is correct that you have never stuck up for yourself ever. Actually, I did leave once and I did. She did. What? Tell me. Isn't we we were engaged? We were engaged. Why do you leave? Because I gave him ultimatums and he didn't follow through with them. And I left. And then what were the ultimatums? It was. I was such a long time ago. Yes, you were video games. I'm pretty sure at one point. It was, yeah, it was the video games because he where he has gotten better recently where he still gets on them too much. It was like really, really bad when we were like first engaged. And you said if he didn't, you'd leave? Yes. And how? Where'd you go? I went back home. How long were you gone? Couple, couple weeks. It wasn't. Did he actually improve? He actually did. Yes. What are you playing? A lot of things battlefield. Right now I got into Forza Horizon 6. It was released. I enjoy cars. I'm a car guy. I'm a boring game. Oh my gosh. Listen, Pragmat is the phone one too. So these people and must be Brandon who typed condoms on wife is crazy. No, it's not when they're not trying to have kids. Brandon freak. There are other things I do too that I like help my hobbies trying to get away from video games and stuff. Like it passed two weeks. I haven't touched them. Yeah. That was something. So I did. He had balls at some point. I did. Hopefully you do again at some point. He has $3,071 and $0.80 owed on this car with the women of $3,000. Pathetic again. We're going to pay more towards it in the minimum to payment. Even more than double doesn't matter. He then spent on it and then it just grew it on top of that and I pushed it above 16 years and he still won't have a kid. To pay off minimums, only $9,000.
no purchases, but isn't capable of that. What do you think? Miss Sam? - The kid is not looking like it's gonna happen. - I, I want you to have everything that you want in the world. That is my number one priority for me. (laughing) It is. - He's only giving up everything for you. Shut the fuck up. - It is, I won't stand up for myself, but I will. - She's giving up everything for everything you've wanted. She doesn't get anything. - She doesn't got everything. - That's not true. - What did she got in that she wants a coach bag from an outlet store? - She got where she wanted to live too. - Houston? - Oh, Texas. - Okay, Texas means a lot. - Hey, trust me. You whites that are especially racist are not picking Houston. - You don't have a, I'm not, no, no. - It's a little black. - That's Dallas. - Dallas is also very black. - It's a sketchy. - No, Dallas is a very black brand. - Dallas is sketchy. - But Houston is, okay. - I went up there for work. - Black doesn't mean sketchy. - Well, I went up there for work and I stayed in the row. I put a stay in the wrong side at the side of town. - 100%. - Okay, Houston and Dallas are both very black. - You can't say, you can't say sketchy while he's talking about, like there wasn't just black people there. - We live in Chicago and you're racist inside, like she does. - I'm not even racist at all. - You understand? Like we live in Chicago and in the six months that we live there, 24 people died from gunshots in a five block radius of us. - It doesn't mean that they were all-- - All of them were black. - Sounds horrible. It was black and black. It sounds horrible, but it's true. It's horrible. - Oh my God. - This is the stuff that I say. - I say sketchy because it's not true. - It's not true. - It's really bad. - It's really bad. Even we weren't to go get like concealed carry there and they don't want you to have them. Like people who actually, who are trying to be responsible with them, they don't want you to have them. - Okay, well, he's purchasing things on TikTok for $40. - Yeah, that's mainly guess for her. That's mainly guess for her. - Where he gets his coach bags. - Yeah. - I wish that thing was TikTok. That was a lot of money for that stupid person. - No. - You actually didn't get that one at the out list, or you got that one from coach. - I got online and then we went to the outlet and we were turning into this. - Then Robert's space? - Yeah, but he had a late fee this year, so far. He's late. - I had a late fee this year. - There are times that I understand. - It's all black, I got scared I forgot to make his card payment. - I understand that though being late, your charge of late fee, as long as you're not 30 days past your time, that's when they report to credit. - So as long as you give it to you. - It gives you just a situ in the middle of a carvel cruise and just see what happens. - I think that each you alive. - No. - I don't think so. - I go to a black high school graduation. - I've been to a black church. That was crazy. - It's crazy? - Yeah, there's so much energy. - Great music. - Yeah, I will give that. They really go with their music. They get really into it. - Give you guys one thing. - You can. - But I'm not in their religion either, so it's like. - But you be literally have black friends. - Yeah. - You can't be like. - They know my stance. They're cool. - Oh my God. - Literally what are they? - Your stance? - Yeah, they know my stance and things. - What's your stance? - They agree, like black people as a whole are good, but statistically, there are statistics, and statistical people that are terrible. And they were always there for everybody else. - Yeah, there are some bad stats in their community, and there are a lot of them. - They stand up for that. - Every community has that. - Yeah, I'm not saying that all people, like all black people is a whole sock. That's not, that's not true. It's statistically cool. - Well, what's your stance? That's not a stance. Stants are a stance, what's your stance? Like yeah, I'm a statistical guy too, so I get it, but what's your stance? - There's a lot more crime that's committed by black people than white. And it's part capita, but that's not a stance. - Like 57% people are white in United States. - What's your stance though? - I think stance was somewhere onward for you. - You're only talking, I can't say that we're statistics. There we go. - I guess I don't really have a stance per se like that. It just aggravates the hell out of me sometimes. - What? - When you go to a certain area, you think everything's nice, and then you end up in one turn, you're in a really ghetto part of town. And it's usually primarily one type of person there. - What? - Continuing, it's usually black. Like when I was in Dallas, it's usually black, so it's making sure. - I go to San Antonio, I guarantee you won't be black. - No, it'll be Mexican ghetto. - There's ghettos everywhere, she comes from the white ghetto. - To white ghetto? - Yeah, trailer parks dude. Dude, listen, I got the big teague too. I said this in another episode. I got ghetto fatigue, but I got white trash fatigue. I got Mexican, what do you want to call him? Oh, I'm Mexican ghetto, it's a. - Yeah. - Huh? - Barrio. - Barrio. - I said that right, is that racist? - Barrio, sir. - Barrio, is that racist? - Barrio. - Okay, well those ones I have fatigue too, just trash. I have fatigue of trash. If someone is trashy, I have fatigue. - That's what you're trying with the pain you've become. - That's not what you said, though, that's what I said. - You're kind of focused on the black. - Listen, it is fatigue, you're correct. But it's like, it's, it's bad. - Yeah, it's focused on one thing. I have the big teague of orange juice. - Don't forget juice. - Right. - But they're usually not trashy, they're usually just rich. - No, no, they really are rich, they run a lot of things. It's crazy. They make good decisions with money. We don't. Should have been a Jewish. I thought, you know what? Probably would have been a better situation, honestly. - I don't know, I don't know. Just not trashy people. But I have them on the show all the time. - Okay, Jan rewards, who's this? - Jan rewards is mean as well. - Okay. - Everything's you, what the fuck? - Yeah, 'cause I have a lot of debt. She doesn't have much debt. - Oh. - She got a first credit card with it. - What are you, why are you here? What do you like about him? - What do you like about him? - The air gets insane, he dresses so weird. - He doesn't always dress up. - Until you open your mouth, you are above his league. - I literally cannot help the way I sound. - It's not how you sound, it's also your braces and stuff. It's just like, and then your chin disappears. But when you close your mouth, you're very attractive. - Your chin disappears too. - Well, that's 'cause I have like five of them. - Well, you can say anything then. - No, but I'm also just asking why you're into him. I don't get it. And it's parasitic. - Like you, it tracks you shit. - Yeah. - Okay, no answer. Why are you into him? - Just games all day, are you a nerd? - No. - Why are you into him? - He, I, this is, now I feel like I'm put on the spot. - You are, that's 'cause I ask you a question. - I like his personality. He does have good personality. - Junes, Junes, Junes, Junes, Junes, Junes. - That's his personality. - Before all of that, that is, like way more recent. But before all of that, his part, I liked his personality. - I do find him very attractive. (laughs) - Okay, dude, bro's putting down that hairline right now. The moment you said that he had to do this, that was rough. That shit's going away. It's flinging. - So is mine. - His hairline's doing white flight. - I don't even know what that is. - So when white people leave an area of town because it got, usually two diverse is what they say. And then when they move back, they call it gentrification. - Oh. - Okay, well, he owes $2,576.49. It is over the limit and past due. Really turning you on and getting wet from that. - Again, I didn't know. Now I didn't know. - I didn't know he knew, but why the fight to understand? - Actually, when I get rid of that card, as soon as possible. - Great, okay, Yippy, you still gotta pay it. - Yeah, I use that card. - Is that adding in a bail you out? - No. - Thanks. - I use that card all the time because we had a. - Wow. - It's over the limit now, isn't it? - Yeah, I have a limit now. - It's also over the limit. - Yeah, we used it a lot because the rewards there let us use it at the dealership. - Wait. - Yeah, for her, it was, she had a truck, she had a Chevy. So anytime she wanted to wall change or anything done, - And she didn't know what was going on in her hours. - The card that was past due and over the limit, did ya? - No. - So don't say we, I use the card. - I use the car. - I use things for us. - Well, mommy help you out, I'm being told, she already does, even though you make, like, double the meeting household they did at one point, she doesn't help anymore. - That's sadic. - She doesn't help, sadic last year. - That's sadic. What is wrong with you last year? - 13 years to pay this off. - These multiple late fees this year. Like, he's been late every month this year. What is that one good at yourself, you pathetic worm? - Can you just forget about that one? - No, it's not that I forget about it. I just said it earlier. If it comes due, and maybe we get paid a week after, I will pay it a week after or a couple days after that. Like, it will incur a late fee no matter what. The second is a day pass due, it will incur a late fee. So, I will incur a late fee and take the L on that instead of it reporting the credit. - Oh, every day, because if I've got to wait for my paycheck to come in, I'm not going to go negative just to pay it. - Paypal credit, who's this? Mine is over the limit, so I'm assuming it's you. - Hey, it's mine. - You suck. - You suck? - What is that? - Yeah, which one is that? - Paypal credit. - There's going to be two Paypal credit. - Dude, here's the worst. What are you in doing? - I did, again, I didn't know. - Well, now you do. - I do. - And, and, and, now. - And now, we're going to fix it. - Okay, oh, you guys are so, dude, you found the perfect one. She's never going to do shit. You can do whatever you want in life. You can do literally anything. And yes, she still f**ks ya. I don't get it. I don't get it, man. Is it your religious aspect?
Like, you having to serve a man, like, what is it? - No. - Like, you don't, you don't give a fuck. 'Cause you didn't have a dad? - Actually, no, I did not. - I know, I'm saying is it 'cause you didn't have a dad? Like, something's weird, man, something's weird, I don't get it. Like, you're kind of the victim in this, but also you're just so pathetic that I'm just like, like, I can't even help that. You're not even willing to do anything. Okay, 11 years, $85, monthly payment, of course, is over the limit, $2,500 is a limit, you owe $2,539, and eight cents, for GWD concepts, it's what you spent money on to get you over the limit, for $5.49, of course. - Interesting. - It's most likely a subscription that I've forgotten about. - You're really neat. All of these subscriptions you've forgotten about, you need to like, go through and get rid of. - Wow. - Because that's-- - Got 'em. Yeah, there's a lot of, there's a lot of stuff I need to go through and get rid of. - 'Cause this whole, like, I don't know, I don't know what that is, there's some kind of subscription. - And if it doesn't. I don't mean, I don't wanna-- - That's kinda stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $200 in bonus cash right now, when you sign up for the checking account that I use, time. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time. Who would have thought that's incredible? Check it out, link in the description below. Stop bleeding out money, making minimum payments across multiple high interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of aligning some bank's pockets. 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Check out the link in the description below to see your personalized offers or go to Calebhammer.com. And remember, you still gotta do the work. - I can't, we can't have a kid. He's okay with that. You're the one that wants to have a kid. You're the one that desperately wants one. You're holding something over his head that you want more than he does. - I mean, if you can't help yourself, which in turn helps both of us, 'cause we're married, so that's my debt now, too. Then I have to leave. Like there's no sticking around waiting for you to fix something that you're not interested in fixing. - Listen, I hope you change it 'cause you need to change it for her and for you. I hope you change it. Then I'm on your side in this conversation. But also, I mean, I'll put on my generate hat, you don't have to change shit. She's never gonna leave. Don't worry about it. - It's not much conversation. - But I hope you change it for all the reasons I gave. Okay, why am I looking at a 34% interest rate? That's crazy. What is wrong with you? You get rid of this card immediately. Oh, here we are. What is this clarinet firm? One of the paying forwards. I think it's a firm. - Yeah, it's a firm. - Okay, what the fuck are you doing? Oh my gosh. Creole T, Creole T, Official Store? - Crality. - Yet 3D quality. - 3D printing. That's not a cheap hobby. - Can I, can I, I brought something for you that I made for you for 3D printing? - Okay. - Best Buy Heatenest? What's Heatenest? - That's hot sauce. - That's actually cool. - Thank you. - Very rare that someone gives me something cool. Thank you. - No offense to anyone that's brought stuff in the past. Okay, he did this. What is it again? - The, the, it's the challenge for hot sauces. I don't want to say the name of it because it's hot ones. It's hot ones. - Why couldn't you say that? - Well, I didn't want to. - Well, I don't really like hot ones. - No. - Well then yeah, hot ones. This is the hot ones challenge orders. I do it usually when they have a new season. - Secret Lab. - Secret Lab is a chair. - That's what we've been told, Sean Evans is a fan of the show. - If you ever film an Austin, Sean, I'd be happy to hang out. - Okay. - Your chairs are expensive now. What's your, huh? - Their chairs are expensive now. - Chairs? - They're, they're office chairs? They're like, what are you talking about? - You said, you said secret labs. - Oh, sure. - Bring up your firms. - And you see what the, balance payment is insane. The amount of money you just, it spends is crazy. Okay, if firm, 2767 dollars and 97 cents. - It was more than what I submitted. - Oh, so you spent more since you submitted your document. - Yeah, why not? He's coming on Financial Auto, so he spends more. - Woman, I can get you a nice Christian man. - I don't know any, but I can get you one. I can go get a white one, too, if that's what you're obsessed with. - No. - One with the receding hairline. I can get you that, too. Even get you a one that dresses like a Mormon. - Let's just get you a Mormon. - You don't want a Mormon. - I'll get you one that doesn't all, like anti-Jew, black, gay, everything. I can get you so much better. - I don't want it. - Okay, yeah, good luck for the rest of your life, man. Did you hear? - I mean, my eyes are starting to open up a little bit more than what's going on. - Okay. - Uh-huh. - I left one time, I can do it again. - Yeah, you left for a couple weeks and then came back. - This is a little more serious than video games, so. - I'm not trying to bully you. I mean, I am a little, but it's like, I don't know. I'll talk. I'll talk. - I mean, that's all it can be until time goes by, you. - Well, how do you feel hearing that? Do you even believe her? - I do. - Why? - Because we've done this once before we sat down, I went through everything, but it was actually, we were making less money at that time, so it was damning, but now we actually, to be able to do something to change it, we actually have the funding to be able to change it now. - Okay, minimum's gonna be $319.26. Okay, who has discovered it? - That's probably minus one. - Oh, guess what, it's over the limit. - Body, are you not understanding how, this is actually some of the worst finances I've ever seen? - It's usually because of the, like, I'll pay on it, I'll spend the end. - I don't care about the usually, I can't, I can't keep going over these and seeing that everything is over the limit, I'm done. Like, this is-- - It's also, okay. - Ridiculous. Like. - Okay, okay, yes. You're upside for a second, sit down, sit down. Sit down. Okay, shut up, stop. - You can tell me to shut up after you tell me to stand up for myself, and I just stood up for myself. - And then you literally stood up, but just, I just want you here for the conversation. - Is this? - I understand, probably upset. Okay, $1,789 to $34, again, that is over and it is late. - I told you, oh, good, the 30-day thing. - If you're making all this money, and we're bringing in all this money, where is it going? If it's not going towards the debt. - Going to a credit score that's only $616. - Where is it going? - It's going to be honest. - It's stupid stuff that we spend money on. Like, the 3D printer is going to computers, it's going to all kinds of stuff there. - But Dean, do you see how all of that is, like, that's not good. Like, that money that you're spending on your computers, your 3D printers, why didn't you not go to that stuff? - Why was that a priority in not this? - It's just 'cause I wanted it, I think. I wanted it. He wants some more than you. - So if you-- - He wants some more than you. That's the reality. That's the reality. What is this? What am I looking at? - That's a pay later on PayPal. That's the second PayPal thing I was talking about. - I do have a bad philosophy that if I have the money in my account-- - I've heard a lot of bad philosophies from you. - If I have the money in my account physically, I'd rather it's paid over time than paid all the front. In case something happens, I need to do something. - Or just having a emergency fund, boom, solved. - Shot the f**k off. - We haven't been able to do that. - And that's it, that's it. - Because if you're spending-- - That's a conversation that we've also had. Like, we need some kind of saving, some kind of emergency fund for that very reason. - Okay, listen, $1,292.49 in some guessing, the minimum is 300. - Should be less than that. - Well, 200? - Yeah, it's like. - Okay. - 150. - What the f**k is this? - It's another credit card. This one's only not maxed out, but Fortiva? Fortiva, 10% interest. - God, that one pisses me off. - Okay, is this you? Again? - Yeah, it pisses me off. - As always, I got a security system for the house through Vivint. And they did everything through Fortiva so we could get the full, like, so we could get all the equipment and everything. And I hate that one so much. - Why? It's the lowest interest rate. - One. - It just makes the only one that's that maxed out. - Because they didn't listen to us when I told them that we could potentially be leaving this house. They should have given us the rental version, not the full, and they just kept pushing, and then they just did the full version. Even told them multiple times, should they rent the version. - What do you think contracts? The f**k is right with you. - No accountability. No accountability with this mother. you shit probably right.
- But you know, man, get yourself a little pussy. Okay, $3,100, $200, $3,000, $3,000, $1,120 and 64 cents on that, $99.96. - Synchrony, rooms to go. - Classic, that's what you must've just got this. - We didn't. - Yeah, no, that couch. - It's like, you're fine with it, it's fine with it. - It's fine with it, it's fine with everything. It's part of the couch, we did the rest of it. - Like, out of pocket. - Finance to part of a couch, just to make it a little easier. - Is it though? Because your minimality payments are just stacking so much that this even adds to it. Even with only $17 a month, with the $1,000 balance. Yeah, it's smaller compared to the other ones, but you're just minimality payment. Minimality payment, minimality payment, stacking all on each other forever. - Yeah, that's one of the biggest problems I've got. One of the biggest problems I've got is that it's not making it easier. Now it is 0% until, I mean, you'll pay it off from time, I think. - Yeah, you will pay it off from time, but still, that's an additional minimum monthly payment. Add it on to it. They're hoping you spend on this card and that pushes it above that date, so that-- - I don't plan to. - I don't plan too. - Okay, thank you. - You don't plan too, but that's-- - First of all, you do. - First of all, you do. It's really all the **** you do. Okay, well, as far ago, what's this? - What is-- - What is that? - The last score. - The last score. - Oh, that's your credit card. - That's my credit card. - Oh, we finally got to you. Okay. Good. Let me see. What's the limit on this thing? - What's the limit on this thing? - Should be a thousand. - I can't tell. Okay, well, you basically maxed out the-- what are you doing, Sam? - What are you doing? - That's right. - That's why I can't say anything to him about really his maximum. - So what are you doing now? Why? Why is it almost maxed out? - About one. - $32 minimum repayment, $960, $53 cents. - That one, I'm just making the monthly payment. So on that one. - Yes, but why is this so high? - Because, for a little while, I didn't have a job. And that was the credit card that I would use. - He did? Why were you spending on your own credit card? You guys were marries. - That one was way before me and him got married. - Then why is this still only barely under maxed out? - Because she used it relatively recently. - Coffee and stuff. - Okay, what is it, you're just going out to coffee constantly? - Yeah. - Coffee, food, lunch, that stuff. - Maybe our, maybe our sugar, baby, gold, digger, whore. I don't know. Probably not the whore part, but the other ones. - Not the whore part, but I'm not a gold digger either. Am I spoiled? Yes. I will say I'm spoiled, but I'm not. - From trailer park to house. I mean, all right. The rise has been good. - I mean, I could have done that myself. I had to. - Maybe. - Okay, you've had a link for you this year. - Why? - That one I forget. - Okay, set it on auto paid, dumbass. - But the problem is, is that one I can only pay with my Wells Fargo account, and I don't use my Wells Fargo account. So, no money goes into that Wells Fargo account. So, I have to transfer money from my actual account into that account. You pay that credit card. - So, if I forget-- - Dude, you have to do it regardless. Like, what the fuck? Just do it. - You have to. - That's what I'm saying. I do it. It's just, that one was late by literally a day because I forgot that it was-- - And then you have to wait for you. That's how it works. You should have called and tried to get a reverse, but either way. Okay, best by card. I'm guessing that's you. That's not you? - There's. - I don't have a best by card. - So, yeah, that one's mine. - Wow, okay. Well, I was going to congratulate you, but I'm glad I don't have to. Go fuck yourself. - I did a lot of torses. I brought it down from almost 2006, 20. - Yeah, because-- - Oh, why? Why did you do this versus all your cards at like 32%? - Because there was an argument between us. - And there's a late few this year. - There was an argument between us. - What was the argument? - Because I would try to focus on my credit that stuff for a while, and she wanted to focus on hers. - But you're not. You're above maxed out. You're not focusing on her credit. - I know. Huh? - I would pay mine down then use it. And so, for her-- - She didn't use it. - She didn't use it, so. - Express. - And they're close. - They're pants, really. - Okay. Express. You are over the limit. Now that we're back to you, that makes sense. - Okay. - Yep. You're over the limit by 56 blocks. - Limit of 550. - That's almost always the only $600, $600 and $35. With a $71 minimum to payment because you went and spent the money. Oh, and you were also late. Oh, Houston premium, something. That's the outlets. You were late every month this year so far. - Yeah. - Focus on her credit. - They always pull out at the wrong time. - This is pathetic. - This is so pathetic. I'm telling you, people that make the most money have the worst finances on the show. - See, I know it says late payment on the paper, but it's never reported to credit late. - It's because you-- - It wasn't missed. - Yeah, it wasn't a miss pay. - It's a late, though. - Miss would be like, well, much longer. Credit one, who has credit ones? They're like the worst you can get. - We both have credit ones. - Oh my gosh. That's horrible. You guys are not in a position to need credit one. This is almost maxed out, $530. - That's mine. - Isn't yours? - Yeah. Because you don't have anyone over $500. - I know, I think mine are $383. - Yeah, you're credit ones. - I'm 30.69, minimum to payment 30. Did you spend on it? Thank-- no. A fees interest-- - Yes, you-- no, annual fee. Whoa, okay, woof. Yeah, fees, fees, fees, interest, interest, interest. And here's yours. No, the previous one was yours. - That's what I thought. - And this one's his. And how do I know that? Because it's over the limit. What's the-- - Oh, you weren't pathetic. - 536. Out of $500 limit? - Why is-- I don't know. - No, that one must be hers. Because I only have one and one's $550. - No. - The one that I have is $550. - No, Colton's saying and he got the documents that this one's yours. - And the previous one was yours. - This one was completely paid off and removed. - Nope. - If that's the case. - Nope. - And it's literally not. - I only have one credit one. - Yeah. And this one's that. The previous one was hers. That's what I'm being told, dude. Shut the fuck up. I'm telling you what it is. - Your credit one limit is $330. - Oh, shut up! - Maybe they raised it and they didn't know. - So you don't know shit. Stop trying to-- You specifically said earlier that you don't know what you're talking about. You're trying to correct us. Shut up. We have the documents. Interest. Late fee. No shock. No surprise. Late on everything above the limit on everything. $500, $600 on a 500 limit. What does it want with you? Minimum monthly payment usually $30. But it's $60 right now because you're behind. Shut up. Okay, I think this is Clarner, right? - Mm-hmm. - Who has Clarner? - Me. - I think it's like a $77.21 minimum. You're getting like Lucky Brand and eBay and Wayfair. - Yep. - Shut it even buying, man. - Lucky Brand was jeans. - Close because I lost a bunch of money. - What about Wayfair? - Wayfair was a coffee table for the house. - eBay. - eBay was. I don't know what eBay was. - Who has the care card? - We both have a care card. I believe. - Oh my gosh. $481. It's under the limit. So I'm going to assume it's you. - Actually, no, that's mine. - Care card? Like care credit? - Yeah. Yeah, that's mine. - Yeah, that one mine's not high like that now. - Wait, I only use that for vet. - Or 81. Yeah, that's why we have emergency funds and good pen insurance. Minimum monthly payment 30. You'll $481. Just under the limit. Upgrade. - How do you mind as well? - Well, there's not. So we can go past that. That's good. That's a star. Yeah, I think that's good. Okay. Care. This one's yours. $220. $30. Minimum? Okay. Yeah. Went down. Out of the limit. That's fine. Another care. What do we have another care? - It should only be two care credits. - Oh, it's because this one's. - I don't know. That was a continuation. Okay. Well, this camper one looks. Well, it should be paid off. So I'm maybe going to put it there because someone took it down from $5.28. $51. - Downwind. That one's mine. - Because I am glad that we're at least putting in terms of yours. Because you don't spend what you put towards it. If we put it towards you, you just spend it. Because you're actually a generate mother. - Intentionally paid a lot of hers down since she gave the car for better interest rate in the car. Well, because you just spend on whatever you put towards yours. You had a late fee this year, though. You can't, because you're not credit card people. You should just never have credit cards. I'll get you a course course certification since you'll never be able to go to school anywhere. You can at least turn that into a better job. I'll do that. But what the f*** are we doing? What am I looking at here? Is this your f***? Purchase? I've never had someone actually send in their f*** like. - For the Nissan. - I was told to. I thought. Maybe I don't know. What is this? No, Chevy. Sorry. - No, Nissan. - Yeah. - What? - We traded the show. - Oh, you trade in. - Nissan, what? - Nissan Z, 226. - Okay. This is hers, right? - Yeah. It's in her name. - It's in my name, but it's his car. - She's the primer in this one. I'm secondary on her car. - Okay. What's the balance? What do you owe on it? - 49,6768. - 49,6768. - Yeah. - With interest rate. What interest rate? - I have no idea. I think it was like right about 9%. - But we wait. - What? - What? - No, my previous car. - What? - My previous car was adding interest rate of 13. - 17, 17%, 17%. - You just got a 50,000-hour loan and 9%. Go fuck yourself. - It's actually. - You made it. - Well, I did today in Minecraft, but what the fuck? That's insanity. - That's insanity. Dude, what's your minimum? - 1,00042. - It's worth 39,000. - What is it? - 1,00042. - Oh! Oh! Oh! Oh! - 50,000 loan on a 39,000-hour card, 9% with a. - That's a power card payment crazy!
Why do you need such an expensive car? You pathetic dumbass c-- Listen, it wasn't, it was just the interest rates. That makes it that much higher. No! $50,000! Yeah, it makes it $50,000 because it's interesting. Just stay after the interest rates. I put the purchase price in the car. Purchase price was like $45,000. Why are you getting a $45,000 car? When you get it for the pants and f-- The credit card's you pathetic worm? Who's the capital one? That's her car. Ah! It's a $53,200,000! What is it possibly? A Bronco. Oh! Bronco's for a regular. A wild track, so regular. Oh! They're loud and you can't even see out of the window! I can't. No noise control, 'cause it's meant for operating. It just sports vehicle and you're driving a-- Houston? I test drove one the other day. It's so loud! Oh my goodness! It was one-- I love the outside look of it, but it's horrible and the inside of it. It's one of the worst drives I've experienced. That's your opinion. I love it. I don't like it. No, that was the f-- even the f-- guy I was trying to get a sale as opinion. He was like, yeah, this is like the loudest car you can be in, 'cause it's meant for operating. You turn on the radio. You don't hear it. That's why she's never going to leave you. She's-- she wouldn't be able to find her way outside the house. She's-- oh my-- are you on this? You're alone? Yeah. I'm the primary, she's secondary, as well. I'm the primary, I'm not one. What's the interest rate? Right at 10%, 10%. Oh! Can't do that! We put $0,500 down. No. Yeah, $0,500 down. No, no, no, no. We put $10,000 down on that one. Yeah, we put $10,000. It was $1,000. $962? $960, $1,10 minutes of parents worth $46,000, you know, $5,000. I'm just going to f-- end my life. This isn't saying, okay, this is a bunch of student loans. Okay. Bunch of student loans. Yeah, they split-- I hate they split them all up. And it's annoying, but I'm good. Listen. Oh, shit. Right? So this is yours, I'm guessing, student loans. The 43? Yeah. 42? Yeah. 42,986, yes. Geez. I don't pay on until, uh, 2027, September. 'Cause they-- again, we just started making this kind of money. It was income-based payment plan at that point. They pushed it back to September 2027, so we just haven't paid on it yet. Okay. Checking account. Thank you. Clues Wells Fargo. If it's a-- well, it depends on what the last four are. Good man. I don't know. I-- that's obviously blacked out for personal information. Listen. A lot of money came in. A lot of money went out, so it's probably you. It's my money. Yeah. Okay, it was started with 101 at your income. It's pathetic. 990 ending. Got some bullshit. A buckies. Energy drinks. Get yours. 40 cents of serving. Instead of stopping in and getting some bullshit and a gamer subs, get the flavor you like with the free samples linked below. Twitch, you're paying for Twitch, you're watching on Twitch. Who are you watching on Twitch? For $18. It's like-- I watch Smitty, you know what? See politics? Gaming. No, no, no. Gaming. Okay, I thought you were down the-- No, no, no, no. Waffle house. Bullshit. I know what that is. I know what that is. That's the main account. That's Waffles. Margarita Spicy, Margarita Spicy $600. Yeah. So that's her name in my phone. That's all this. Yeah, you're selling that money. Zaxby's Pirateship, Google One, Google Life 360, PayPal, PayPal, PayPal, something auto. But it wasn't for a car payment, app of bill, cash app, premium, PayPal, PayPal, coach, outlet. There it is. $338. That says sugar daddy spoiling you. Amazon, Amazon. I'm not saying it's bad, but it's just like if that's what we're using for like, you know, gold digger. I don't think an outlet purchase is gold digging. Oh, and you have $10,000 a student debt, but you have $10,000 and that's great. You didn't send it in? I didn't-- I don't even know. No, I know. It's all on deferment. It's so-- Yeah. We'll see if you guys file it, right? Okay. We've already filed it. Yeah, so it'll probably start at some point in time. It's been a couple years, but y'all probably start seeing. Yeah. Fort and four cents in your check in account. Chase, right? Mm-hmm. Yeah, you're pathetic. Bullshit, Bullshit, Rover. You see people over when you have no money. Gold and nail lounge? That-- I'm sorry. That account started after-- Fine. They're short. Not good for backstretched. Rip, sorry, buddy. We just had a short-- We just had a short-- We just had a short in her nails. Yeah. We just had to. Yeah, but they kept breaking and-- Rip for your backstractures. Okay. Yeah. Well, I'll try to budget you guys, but this is crazy, man. Guys, join us for the post show. It's going to be really good here in a little bit, but I had to get these minimums going to go through his phone. See the weird shit in their messages that she was hiding. What are you scared of, girl? Are you scared of Sam? What's so spooky? I just only people going through my phone. Why? You want to go through our messages? No. My phone, to me, is mine. I own it. Well, that's why I'm going through it, silly. You want me to go through your phone? Sure. I don't give a shit. What the fuck? Well, I care. I just don't like other people having my phone. There's nothing-- there's nothing on there. There's nothing on there. You're going to have mine. That's fine, but-- Okay, your minimum of the payments-- This is fucking insane, guys. $3,823. It's one of the higher ones we've had. No more-- That's our minimum? Yeah, it's our minimum monthlys. 30 cents. What's your rent? 24/24. Geez. That includes car payment, correct? That $3,000 monthly? Yes, that's a death. Gas left trick. All utilities plus internet, how much? Looking at probably about $350. We say phone bill? No, we don't have phone bill. It's family plan. Gas room from drive drive. Both of you. Combined. Easily, I'd say combined about 300 a month. Car insurance? Car insurance is around $400 a month. It's dairy food. 600 bucks. Pretty easy. Lookbook. Use dial-wise. Teapie, phone. Anything else you guys need to survive? All the nails, all the good stuff. You know, goodies, goodies. $250. Medical health care. Is there a copay? Is it on a monthly basis? No. It's on a bi-weekly basis. And it's $150. A month or $300 a month? $300 a month total. Okay, subscriptions. I'll give you $50. Is there a gym? No, it's paid for by my job. Okay. How many pets? Three. What are they? Two dogs in a cat. Okay, $150. And pet insurance. Because you have to have decent pet insurance. So you don't go further into debt on care credit. So I don't have pet insurance on them because I work in the vet field. So everything's out this country. So why are you guys going into care credit debt? That was before. That was before I was in the vet. Well, discount, but enough in a life-saving surgery? Yeah. I get really, nobody. I get really good discounts out where I'm at. So a $10,000 surgery happens. How much is that going to cost you? It depends on the surgery, I think, right? Yeah, I do. I'll cross it out for now. But pet food, how much? Valve. It's about $100 a month. We don't buy it through twice a month. For Linux and the cats? By the cat and the dogs? No, that's close to $60. There's a $70. That's like $70. That the dog food is $60 or $70 a month. So $80. That Linux food is like $26. You live clear. Only if we get the really big. It's $100. Very expensive to live budget by $8,597.30. 'Cause you guys are fucking crazy. But you make crazy income. My net was wrong earlier, by the way, when I told you. What is it? It's actually more like $14,000. Really? Yeah, it's like $13,000, $14,000 net. I get monthly stocks from my job. Do we sell? Okay, so you haven't actually had $7,600, $2.70. I'll just call it. I'll give you $600 of fun. Why not? You have $7,000 left over. Again, this is going to just piss me off. It's like, why the fuck are you guys even in debt? You are blessed beyond blessed, beyond blessed. You guys with your cars. No, you maxing out your credit cards and bullshit. You didn't have to do all that. You didn't have to get cars. You couldn't afford it. No, I'm talking about income. It doesn't matter. You didn't have to get into this situation regardless. With a lower income. You guys have done it with your money. You're spending your bullshit, your desires. It's all stupid. So minus the student loans. Yeah, $135,000, $326,000. The student loans will minimize the payment other paid off. And then it's a lot of money. But with your $7,000 extra, even with your. Dude, it's a fucking year. This is pathetic. Shut the fuck up. Your hammer fighting underscore is you're both privileged. Who don't even know what a hard time is. And this is pathetic that you're even in this debt. So go. Yourselves. Get
[email protected]. You won't get that score. But they welcome yourself. Join Hammer Elite. Three previous shows every single. Takes a year and a half. What the fuck is wrong with you guys? What are you in? This is so stupid. You guys are. Join us to the post show. It'll be a good one. Join Hammer Elite. I'll see you there. Do you have girlfriends? No. I actually don't have them. You were flirting with men. Yeah, there were definitely two fart conversations in the past, too, that I'm like. Buddy, so she was flirting with men. You've quit talking to women, but she's still talking to guys. Yeah. And it's on Snapchat. Those messages are going away. He says, "I love you." She says, "Prove it." He says, "I will tonight." I just launched the brand new Hammer Elite app available on every major platform. This is the best member of Hammer Elite.
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