The Most Ghetto Financial Audit

- To watch episodes of financial audit a week earlier, check us out on YouTube. - What's popping up on these doom scrolls? - Stay at home mom recipes. - You can't stay at home if he's bringing a $30,000 a month. - I told you to get a second job. - Get a (beep) to get a job so you can sit your father at his home. - I told him, he's lazy. I told him what? - How does it make you feel, Jonathan, that she specifically told Colton that if she had not gotten pregnant, she probably would have stayed with you. - I'm just trying to avoid child support, 'cause I would know how heavy that kinda is. (beep) - Wow. - Yeah. - 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, hi, I'm Jonathan. I'm 27 years old. - Hi, I'm Melissa, 27 years old. We're coming from Houston. - And this is your financial audit. - You're financial. (laughs) Okay, very good. Thanks for coming over from Houston. It feels, I'll be honest, Jonathan. A little racist. We never get people from Houston in the moment we do. It's a black man. And that just feels a little insulting. No, it's not insulting. No, why would it be insulting that this is a black man in front of me? That's not insulting. But it feels a little racist, but we're not racist. So that's a good thing. - That's a good thing. - Well, let's see if Houston's racist with how much you make. What's your job, Jonathan? - Right now, I am working at Water Level Engaged Company and Piping Company in Houston. - How much do you make? - A check? - How much you make? - It's just what you pay. - I'm 20 hours. - Okay, okay, okay, Houston, we're doing okay. Okay, so that's fine. That's fine. You know, 20 Houston, depends where you live. There's definitely some wealthy areas. There's some lower income areas. It's one of those like classic cities where you can get some affordable things in there. But it's usually just a little rough as well. 20 could stretch if you're in that area. Are we married? - Yes. - Okay, how many hours a week are you working for that 20? - I am working 40 hours a week. - Okay, so what hits your account per paycheck? - I would say roughly between 1450 to 1550. - Okay, well, it's called 1500 then. What is that every two weeks? - Yes. - Cool, $30,000. - Good. Well, listen, what do you do? Gonna need to make a little bit more money to make this house. - Uh, hi, make 19. - No, that's okay, as long as you bring it in, we're doubling this to like 6,000, we can survive. What do you do? - I am just a front office at a clinic and that's pretty, all I do is medical, it's medical. And I just make 19 an hour. I do not hit overtime a lot because the job does not allow it. - Okay, yeah, you probably wouldn't hit it if it doesn't allow it. - Yeah, they do not. - 20 hours a week, are you working for 40? - Yeah, about 40, maybe like 39, but honestly, don't wanna work anymore. - Okay, well, how are we the fuck gonna do that if he's bringing 3,000 hours a month, not a knock against you, but how can we survive his household? Not gonna work, you're gonna work. Shut the fuck up, you're gonna work. - Oh my gosh, well, I told him. - Shut up, why doesn't she wanna work? 'Cause I don't, I don't wanna hear that. We're not making enough money when we're really not. As you would put that, how long have you been married? - We've been married for almost three years. - Uh-huh, and she doesn't wanna work. Why doesn't she wanna work? - She doesn't wanna work 'cause it's working too much, too much stress she wanna put. - What the fuck does? - She wants to put all her stress and energy towards the kids. - Oh, the children? - Yes, we are. - And they're still there. - Yes. (laughing) - Well done, how many? - Two. - We have two. - We have a two-year-old and a one-year-old. - Wow, okay, there's still time. - Is it? - Yeah, very good. Okay, no, I guess that will stay at home, stay at home mama, that's what we wanna do. - Yeah. - Try to try it out a little? - I do, because, I mean, I've been watching videos, obviously, on Instagram. Well, I mean, it's, I have a- - What are these videos? - We call it a Doom Scroll. - We do call it a Doom Scroll. What's popping up on these Doom Scrolls? - Stay at home. - Stay at home. - Content, food recipes. - Cleaning, cleaning talk. - Anting them with kids, ending them with emotions. - Well, emotions are kids, those happen, but why did I hear the word, like twice in there? Yes, you said twice. - No. - Did you hear it? - I think I did it once. - Okay, no. - No, legitimately twice. - Oh, no, I know. - Okay, I just- - And what are you seeing? So, okay, yes, the recipes, that's wonderful. - Yeah. - But what is that doing for you? Making it like, okay, I want to live at home forever? - Because I always wanted to be this, you know? - Be what? - Be a stay at home. Well, be a mom, general, but I always knew I wanted to prioritize my kids. - The no offense to Demante, you picked a, Jonathan, you picked a wrong, I don't know, that's what was rattling around in my head. - Hey, all right. - Then you picked the wrong income to shack up to. - Yeah. - I didn't think- - Okay, that's no offense to you, but she can't stay at home. You can't stay at home if he's bringing a $3,000 a month in Houston. You're not in rural Appalachia. - I know, but I told him, at least get a, I told him, get a second job. - Get a second job so you can sit your fat ass at home? What are we doing? (laughing) I mean, I'm sorry, that's the reality. - Right. - Okay. - Jonathan? - Yes. - What's your thoughts on that? - Well, go get a second job so I can sit at home, and yes, be mother, I'm not saying that's nothing, but when you hear that. - I don't mind a second job. The only thing is, if I'm gonna come home to home cook meals, his kids gonna be taken care of from that and- - You're okay with that. You'll do the second job, you'll work the 80 hours a week for- - Well, I did it before. - As long as there's a meal, a meal's not hard, by the way. - It's not. - Well, I did it before, so I did work two jobs before, but I quit the second job in a midst of us having the second kid. - So I was to stay a home mom before, and I had to go back to work because he quit his second job when I told him not to quit it. - I quit it. - I was like, give me some time, man. Give me some time too. - Well, at that time. - Be postpartum. I wasn't even a whole full week postpartum, and I was like, give me some time to be postpartum. - Don't quit just yet. - But mind you, two, three months prior before the birth, she was already speaking about, already trying to fight to go back to work. I already made the plans like after I- - Oh, stress, man. - After I make the baby, after you make the baby, it says such sounds passed by, after it's about to work. I'm like, for what? - Are you in the military? - No. - There's a dog tag. - Oh, this is a dog tag about from years ago. - Okay, I was just wondering, 'cause disability, that would be the thing that could- - I don't know. - Get us there. - I never refuse this to go to the military. - Okay. - Is that like a thing you're trying to push him to do? - Well, because we just want- - Every use is to go to the military. - Yes, because, you know, I just want to be- - I was never asked. - I was never asked. - I was never asked. - I was never asked if I wanted to go or what's your pursuit? - Yes, I did ask you. - What do you want to do? Hey, I could say be like this. - And he was like, I don't want to work for the man, or whatever. I'm like, dude, it's just a temporary thing. You know, it's not- - Well, I'll ask you. - I'll ask you, why does he have to do the military? - It's just a source of income. It wasn't like a- - It was a job. - Well, he quit the second job, so what can I- - Okay, why'd you quit the second job, Jonathan? - I quit the second job because Melissa here was crying to me about like, I'm too stressed out to kids. I'm not sure what to do, and stuff like that. - Right, honestly, yeah, that makes more sense. That's exactly what I would expect. And I hear from you that has the endless amount of demands. I'm already picking it up. You got all the demands, no solutions. Nothing's ever good enough. I mean, I can read that, I can smell all that from you at this point. I mean, of course, absolutely. So, he's working. So, oh, there's no one to help me. There's no one to help me, there's no one to help me. You gotta be home more, so he quets it. It's like, oh no, there's no one to help me, there's no one to help me. - No, that's not it. - No, it's just, I just give him so many different options. It's just that he. - If I look like the only option she gave you was go make more money by working eight hours. - The most money money possible. - Yeah, he just does it, which is. - I told him, I told him, he's lazy. I told him, what? - He just worked in his ass off. (laughs) At least he was, I mean, he's doing 40 hours a week now. So, I mean, yes, if you go through in 40, yes. You have to equally step up a home. I got that. But how was he lazy working 80 hours? What was your second job? - Piece of, I was a piece of man. I was a piece of. - Piece of. So, I was delivering pizza? - No, I was just a manager at a piece of shop. - Okay, okay. That's work is on his feet all day. Okay, that's lazy. How many extra hours were you putting a week towards that? - Before I quit it, I was doing extra 25 on that one. Actually, oh, actually, five or 30 throughout the week. So I was put-- How can you call them lazy? How can you call them lazy? It's just that I told him I do-- Well, her definition of lazy is, I come home from two jobs. It's still be able to cook, clean, maybe change some diapers, maybe do this. Do you not have the whole thing you have to decide? Are you staying at home, mothering, doing the mothering? And is he working in the care of you? He's saying that, but that's not-- You're saying that, but that's not-- That's not it. What, that's not it? He made all the pizzas and you hate them all. Ugh. So pretty much, I already told him. I was like, look, I do want to take care of the house. I do want to take care of the kids. I want to cook for you. But every time I cook, he's like, oh, we already ate this. Or like, oh, this is the same thing. I'm like, dude, this is what we got. Like, this is said. Like, he wants, he wants hamburgers. He wants pizza. So hamburgers, he needs to-- OK, you name the two most basic foods. What, it wasn't asking for beef wellington. He just said, hamburgers? Oh, no. Well, he did like my rice and chicken. I made rice and chicken. Well, you're white. No shit. He needs flavor. He needs seasoning. Slap your mama. Oh my gosh. Slap your mama. Slap your mama. Slap your mama. Slap your mama on. Right? Yeah. But-- Dude, I did. I did. He just-- More. He needs a lot. Well, I need some flavor. It's just besides just one stagnant monotone flavor. It's almost like tasting churches or Popeyes. You eating the same kind of chicken. It goes taste good. But you eat more over time. It goes taste the same. Same thing with the fries. Fries could be good on first rip. But if you keep making the same kind of fries, it goes taste bad over time. He says that, right? I'm with him. Listen, if you're home to get three different seasons, swap them out. So we've-- I don't care how you guys live your life. How you want to live your life. But if your entire argument is you want to stay at home and be wife and be mother, so he goes and works. Yeah, that's your shit to figure out then. That's what you chose. You don't have to do it. I don't care what people choose to do. But if that's what you chose, that's what you chose. Do it then. And the thing is, what concerns me here is, well, before I get to that point, why did you quit your job specifically? To help her out with the kids. Okay. So again, you're trying to ask for everything. Did she ever ask that? I never asked for that. Okay. But I told him, I just want to vent to you. I just want to tell you, hey, I'm tired. I have a lot with the kids. That's all I was doing venting to him. I never told him, hey, step up. Or change your diet, whatever. But in response to you venting about me, about the kids, how are you expecting me to take it, especially when I'm trying to help you out? I'm supposed to be the man at the house supposed to be paying all the bills. That's what I told you. You worry about the finances. I'm going to do everything else. We argue so much. And it's just to the point that one time we did threaten to divorce. What? For why? Because the constant bickering back and forth, the yelling. And who was starting the bickering? Come on. Jonathan, Jonathan does not present himself as a man that ever started a bicker in his life. He might finish a bicker with a glock, but he won't start it. The black is a little excessive. You never heard. He's not going to do a glock. I won't go that far. I'll probably do it like a bill or essentially. Oh my gosh. Yeah. He the black way, godly. But you never start the vites. Do you? No. Unless I have to. When would you have to? Because there had to be certain times where a man has his foot down, put those foot down, starting situations regardless. What does this mean, Jonathan? So how frequently are we arguing? His finances is the leading cause for divorce in this country. That's one of the biggest argument things we have. That is a huge argument in our. So how frequently are we arguing having these big arguments? The small arguments are almost on a daily. What's considered small? It's a small. That. The dishes. Yeah, washing dishes. Guys, we can't survive in a house like that. Who would want to live there? Yeah, from washing dishes to how diapers are being changed, to how clothes are being put up. Because we. You guys are too opinionated on small things. Well, opinionated. Yeah. I will. I kind of disagree. But standpoint on how things can be done. How does it make you feel, Jonathan, that she specifically told Colton that if she had not gotten pregnant, she probably would have stayed with you. Because that would make my heart sink completely. I mean, me, I would have took it as I was like, I'll give my free time back. You still have kids. Well, I don't have to deal with the stress of having to wake up to the same woman who caused me this issue at first. So all that I'm doing is separating my time, but still getting my time to the kids. I need the cheat. So. He cheat. So I, of course, I'm sorry. Okay. Tell me about that. What the. So. That's okay. You have children. This is before kids. This is before kids. This is before kids. So it wasn't long ago, with the two-year-old being there. Yeah. So pretty much. He's, and I asked him why did he decide to step outside. I just say asked. Like a normal person. Why is this a thing? He just didn't. What are we doing? Just say, asked. I'll let you say it, but you're white. I'm not. I'm from a Salvador. Aren't you white too? Yes, I'm white, but I like speak words. Yeah. No, I'm from a Salvador. And what kind of. I mean, you're not white. Is there different shades of white? Huh? Is that different shades of white? White, Hispanic. Huh? Or is it white? Oh, there's different backgrounds. Yeah, but like, yeah, you're like white, Latino, right? 25% native. But I don't, you know. So you say it's racist to have me on the show. No, I was asking if it was. I'm glad it's not. So just like, okay. So you're asking, asking, asking. I asked. Okay. You know what? I can't say it. I can't. What you're going to do. I say in Spanish. Since you need no, I was Hispanic. And what you want? Because you're white. You look like just like a fat white lady. Plus, for what it's worth, like black men, skinny black men, fat, fat white ladies. This is like, it always happens, right? There's like a science. It should be studied, apparently, according to you. According to me, I didn't say it. But I was hoping John, John, I think could just answer for me. Why the pairing just always happens. It's like drawn. Right. It's just gravity. Take those, say bluffs, as they say. Huh? Take those, say bluffs. Like, great lives, two of them. Two. That's the only reason she's there. All the financials are there. Why? The reason why I'm still here. The reason you're still there too? Yeah. Okay, so neither of us would be with each other for wasn't for the kids. Pretty much. Shhh. Brother. That's brutal. How is there any future then? Yeah. Is that even a good future for the kids? Right? Like, is it? Why? This isn't you pull out. Twice! Well, somebody was begging for kids. They're all big. They're all big to stay in. You don't listen. They're all trying. They're all way shane. Oh, come in me. You don't. You don't come in me. Oh, I'm gonna come. That's the best feeling though. It is the best feeling in that, a child. Now that you're careful. I know if you're careful. If you're busted inside, you're not careful. You can't bust at a certain angle inside it and like, it's all, no kids. Is that like an ultimate angle of bust? Is there? Because if there is, I don't know it. It depends on your curve. You have a curve. Okay, your curve resulted in two kids. So, you wouldn't be, oh, he cheated. Yes, how did he cheat? He cheated. Fuck, though. So, he cheated. If you guys even love each other, are you even anymore? Honestly. So, definitely. You are. Yes. Yeah, I'm being told your sexualized actually are not great. And what extent? It was. I don't know. That's what I'm being told. So, I was going to ask you. It was bad at the beginning. So, pretty much, we didn't know each other's body. What we like. Okay. So, we. Okay, well, I don't need to know all that. I was just wondering, if you guys don't love each other, then our sex lives aren't great. And he's cheating. And then like, yeah, that would be a concern. I don't need to know if like, you don't know each other's bodies when you first got together. Well, yeah. But that's one of the results of cheating because we were arguing so much that we're so much frustration. Oh, exactly. And today still. And one person won't get what they want despite if that. Oh. I wanted to get what I wanted. Really? So. It's usually the other way around because like dudes are easy. So, I was asking. I was asking for really for that emotional part or just for the emotional stability from it. So. What are the opposite of every man ever? She just wanted a bust and you wanted the post sex care? Oh, yeah. Most definitely. You see how different it is? Yeah. It's weird. Yeah. But that's okay. I supported it. You just wanted a bust and leave. If you want to call it that. Damn. But. Houston is a different place. Different kind of people. Okay. Especially coming from a black man like me. Yeah. But yes. I don't know what you said. But yeah. He said that we were arguing. there's no communication and that I'm always angry. And so he wanted somebody to be emotionally there for him and make it a safe space for him. - So you wanted to get cuddled and cuddled, oh Boston, so you went to a cuddled codler? - I always say cuddled codler, but just cuddled and stable. - And your cheater did that? - Yeah, but all means. - So I taught him how to drive, by the way. - So I felt like, you know. - That's great. - So in other words, when she got with me, I didn't have anything like anything as it was or anything to my name to actually progress. - You're on financial audit, do you today? - Yeah. - No. - Well, what the fuck can we talk about? Sounds like she dragged you down or you dragged her down, who even knows? So, okay, the cheating, when did it happen? - So it happened. - Were you pregnant yet? - We didn't know. - Yeah, I was. - You were pregnant when he was cheating? - It was Christmas day. - Oh, you cheating on Christmas? - What if I found out? - Yeah, 'cause my birthday was-- - You cheating on his birthday? - My birthday was third. - My birthday was four. - Okay. - I guess if there's a day two. - Oh. - If there's a day two of which there's not. - Okay. - Okay, well. - So you found out on Christmas? - I found out on Christmas because he went out to walk the dog. He never leaves. - It was her dog. - Pipple? - Pipple Terry, it makes, it's her dog. - It's my dog. - Dang, you said you're not racist. You literally turned to the stereotype. - See, I just asked the question. You answered the racist answer. I just asked or asked. - Next. - So while he was out walking, he has never left his phone. And I kind of had dreams that he was cheating. And I was going-- - I can't get my steps on my health app. - Oh my God. - My phone suits me everywhere. That doesn't mean there's like something bad on my phone. I just had my phone on me. - But. - That's pretty normal. - I mean, I didn't think of anything about it, but I did have dreams and I was cleaning and the phone literally locked up. - I had to say about dreams. No, they say about dreams. - Oh my gosh. - No. - Oh, they think for a dream or the dream seems to be real or whatever they would investigate. Go deep into it and try to proclaim that the dream might be real. - But it wasn't me. - That's what they say about dreams? - Oh, no. It was real. - I was just trying to figure it out. - I dreamt it and it was real. - Okay, well that was a coincidence. This is a dream. - Oh my gosh. - Well. - But yeah, it did happen. So you dreamed this or what happened? It was out walking the pit bull. - He was out walking the dog and pit bull. And he left his phone. I was cleaning. I don't know how the-- I said I looked at his phone. I didn't even look. I was scrolling. I just looked at his phone charging and it message came up. And I don't know what, how I just looked into it. I've never previously looked at his phone ever, never looked through his messages ever. And this one time I just was looked, I looked. And I saw all the messages, all the pictures they sent to each other. - Drining in student loans with massive interest rates, I see it on the show all the time. People get alone 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 refining to private soonalones and they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. 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Break free from the high interest trap and get your finances under control once and for all. People on the show blame the economy or the government for their money mistakes all the time. And look, some of it is real. Inflation hit people hard, housing is a disaster, and wages haven't kept up, so I get it. But here's the problem. Most of what people know about the economy, about policy, about what's actually happening with their money, they got from news sources with a massive agenda. Left or right, it doesn't matter. They're not telling you the full story. They're telling you their story. The one that keeps you too scared to change the channel. That's why I've been using straight arrow news. No manipulation, bias, or agenda. They cover the stories that actually affect your life and give you verified facts and context so you can stop being jerked around by whatever narrative is trending this week. Go to S-A-N dot com slash Caleb Hammer to download the app or you can visit through the link in the description below. And when you subscribe, you support me and you get the unbiased truth on the stories that matter to you free from manipulation, bias, or agenda. Because the first step to fixing your money is understanding the world your money actually lives in. Welcome back to Trustworthy Journalism. - It was just pictures and messages. I ain't go physically see the girl. - She's so cheeky, my friend. - He went to deliver this pizza, supposedly, 'cause he was working pizza. So he was supposed, he said that his friend. - I was my practice run as me trying to be a delivery man. - No, that. - So. - Party. - Okay. - I was never, they never sent in. I was stuck on the inside as assistant manager. So they, so when we were short on drivers, I remember that. - So you delivered a hurr specifically only. - Yeah, that was the first order. - Are you telling me you never f---er? - No. - What? May as well, at that point. - I thought I thought I thought I thought I thought I thought I thought I thought I thought about that. - Why did you meet up? Why were you gonna go see her? - Yeah, you don't meet someone who get nudes from and send nudes too. And you don't, this is not, this is, that's what? That's, come on. - Oh, oh. - Let me come on. - And he's like, where are you gonna choose? Like, no, dude. - Well, you did, if you're sending nudes and you're getting nudes, that is cheating. Unless again, you guys are okay with it. - No. - But like, exactly that wasn't, here's the thing. Listen, cheating, not good, not in favor of that. Don't do that, but. - What's the but? - Why it's off? Were you just allowing messages to fly through? You're the worst cheater I've ever met. - Hey. - That's how you know I was new to it, 'cause. - No to it, no. - Hey. - Hey, buddy, the letting messages pop off, what are you doing? - They went from Snapchat to messages on iPhone. I'm like, oh, so was it getting serious? Did you have feelings for her? - And you were pregnant when you found out? - I found out that I was pregnant two weeks after we had this. - Okay, so what happened when you found out he was cheating? - I lost it. I'm very quiet, quiet in the sense that I don't like my drama out there. - Well, I, excuse my, I removed myself from the situation and been gone from the space that she was in for like, what, three, four days? - Yeah, well, that's because I literally-- - Literally. - Literally, instead of talking to me-- - You said it was one of the way, but I was-- - He literally went to his mom's and did not answer my messages. I wanted to talk about it. - And basically, I was subset to the-- - Well, yeah, what the fuck? She ran away if she wanted to talk about it. Dude, she finds out you're cheating, your wife, pregnant, not known yet. And you leave? - Yeah, I'm sad at the moment. - Four days, yeah. - Oh my goodness, you were-- - Gage, yeah. - We were-- - That's crazy. Yeah, four days, you left. She wanted to talk about it. - He did not answer my phone, he blocked me for a while. - You blocked her! What was your intent here? - See, give her the space I need, give her the space that she need, give her the space for her, you blocked her. - Yes, she can figure out what she needs. And I'd be scared of a big Latina as well. - No, I wanted to be scared. - You blocked her left. What the fuck? - That's worry, give her space. Okay, four days later. - That was me not caring no more. That was me just trying to find a reason. Try and see if I can find a reason to care. - Oh, you were done. - Yeah, I was done. - Well, you were out. Okay, well, that's different, okay? - I was done. - I was done. Complete it out, but then she called me one good time and asked me, just do it for respect, just irrespective of my, all right, I get your respect and talk to you one last time, just see her where we'll go. And eventually that led from three, four, almost a five hour talk. - On the phone? - No, in person. - So you guys met up after four days. - Mm-hmm. - And? - He went back to the apartment, because we were living together. So he went back to the apartment after those four days. - In that conversation? - It was nothing, but yelling, crying, yelling, like, hurtful words. - Us, us, us, us trying to get off, like, or whatever we've been keeping up from each other for some months or some years in that moment. - We just let it all out. Like, this is how we feel about each other. - But you're still considering that this won't last the lifetime. Like, you're actively saying that. You're both saying that, that if you didn't have kids together, you wouldn't be together and you're still considering the policy of total. And then you told Colton, she basically forced you into the marriage. So it's like, it's, has anything even changed? Honestly, zero confidence that no one's cheating on each other since? No. Oh, see? She has no confidence that that hasn't happened. But if you guys don't love each other, you're with each other for the-- I'm sure there's a little bit of love in there, so I'm kind of love. But like, if you're considering leaving together, you don't want to be together. You're forcing to a marriage. One of you has a little come on. At least texted someone at this point in the last couple of years. There's no way. If not both of you. Yeah, there we go. That responses everything I need to know from both of you. We can admit it. You've texted someone. Come on. Of course. And you. Of course. There you go. But as far as-- I actually haven't. In the last two years, there's no way. Well, he admitted he has. So there you go. You're hurting here. Because I refused to tell other people that we were having a marriage of problems. So I was like-- Well, because you came on. It's all millions of people. I know. Now I'm so funny. Ha, ha. I don't think it's funny, but-- Well, it's not. Especially if you keep texting people, guys. Sometimes we can't see either. I don't know about how we do-- He just texted the girl. How do you find them? No, we're not texting like-- Oh, he is. He said he is. No, not other people. I'm going to take a long one. Yes, you're friends. Talking to his friends. About my boys. Yeah. I specifically said girls and you admitted to it until she said she didn't. And now you're saying you're homeboys. Yeah. Mm-hmm. Okay. And what happens? Because she has put an ultimat-- Not necessarily an ultimatum, but a timeline. She says in July. She's just quitting her job. Come July. It's two months from now. If you don't even basically want to be there, why the fuck would he work extra hours? It's for the kids. It's for the kids. She wants me to make all the money for the kids. And I'm trying-- And me, this is just the stereotype for mine. I'm just trying to avoid child support. Because I would know how heavy that kind of is. Wow. That's how he felt. How does this feel to hear? This isn't safe. Wow, yeah. I don't hear shit like this on the show. This is crazy. And I thank you for being honest, by the way. That's incredible. You're a beautiful man. What the fuck? How does that feel to hear? That's crazy. I should don't appreciate that. I just-- I wish you would have been more open about this, you know, before we had a second baby, you know. She didn't know why I didn't have anything. You shouldn't know we wouldn't ready to have kids, especially for the first one. Well, it happened. We didn't know it would happen. Because supposedly I couldn't have babies. So-- That's every time on the show. So why have the second one then? Because we were-- We were standing better. We were getting better. And then at that time-- First year, OK. Yeah. But at that time, when the second time, the second child did happen when he was conceived, it was the time where everything was good at their product. It was like the-- It felt like a honeymoon. A honeymoon, yeah. So-- Even though we've been together for like six years, it felt like we were still in a honeymoon stage. That's like a fresh start again. But there's not going to be another one of those. So we have another kid, but please don't. Oh, no. Because you guys aren't even wanting to be the kid. So it's literally only the kids in the lack of child support. So child support in the kids is why he's there. Why are you staying? I mean, I love the man. I do. No, I can't. I said there's probably some love here. But you've told Colton you specifically, like, I've considered a divorce. Don't even-- If it was for the kids. It's just the kids. We both kind of have. As that we both have. Have what? Consider divorce. Consider divorce. Oh, yeah. No. Yeah. But he keeps saying that we shouldn't. So I don't understand why he's telling you something. And he's telling me something else. It's like he's telling you, oh, yeah, no, no more. And then he's telling me, but we should try. We need to change. We need to work on this. I'm just saying that for the kids. I'm just saying that for me and her. It's for the kids. So I would, the kids could see a better example out of their parents. Not just to see them big around fight over washing dishes over. Yeah. If you guys fight every single day, I don't really understand you guys don't even want to be there. What the fuck could we do? Like, what am I doing? Like, yes, I can look at the finances of the household and we can do something. But if there's no future, I just don't really understand it. And I know your parents were vehemently against even being with him anyway, right? And my mom was. And your mom was. Different communications. Different backgrounds. Black. Yeah. Okay. So. Black is a curse or black is a privilege in some areas. Sure. Okay. But the thing is, it's just like, what the fuck are we going to do? What can we do? I can't fix an entire, well, I can't fix us wanting to be together or not. So it's like, that's brutal at that point. Well, the big issue is the finances. Come on. If you guys are bickering down to the sacks of lives or bickering down to the dishes, if we're, if we don't want to be with each other for many different reasons, and we're only there because of like child support, a scary finances are going to solve. Well, sounds like a sliver of the overall issues here. It really does. I don't, I don't think so. I think that by fixing this financials, I think I won't be. You are about Jonathan, you, you know why it fixes the stress for you? Because you want to sit your ass at home. That's why the finances are good. I get the bill call, the bill collector calls on the day. But he makes the income so that they can be paid. No, but you're quitting in a month and a half. No matter what. Okay. So now I'm putting in position to what I got to look for. He said that he was looking for a job that he's been applying. I don't think so. I think he even have to. It's, I'm sorry, it's modern day society. Don't necessarily get to stay home if you want to. If we're both like lower skilled, lower income, you don't get that privilege. That's just a reality. It's a situation we got miles to feed. We got a roof to keep over the head. It got a work. That's reality. Well, I told him I was like, I can help, I can work. I can work until you need me to, but honestly, I really want to take care of the kids. I want to be there. I get that. Who's taking care of the kids now? Let your working. My mom. That's fine. That happened to me. I turned out okay. At least, okay, relatively. I mean, it's very, very overprotective about who watches the kids. And your mother's not good enough? My mom is just that. What's the issue, dude? You have to pay the bills. And I'm sure a reasonable amount, better than day care. That's true. But there you go. You're fine. Go work. Both of you should probably work 60 hours a week each. Pay off the debt and then we can consider things. How can you consider quitting your job before he has the second job lined up? And even more importantly, before we have an emergency, he's fine. And even more importantly, before we have all the bad debt paid off. How can you even consider that? That's so selfish. That's so selfish with your mother being there. If there was no one else to take care of your kid, I wouldn't say it's selfish. Because you got to take care of the kid. But if the mother's there, you have to put your household first. And make sure you have a safety net. I've been immersed in fun and getting out of this debt first. If not, then you're just being selfish because you want to be home. But it's been six years of the same thing. No, it's too, too, too old to get as the oldest we have. Yeah, but we've been together for six years. Okay, of the same thing, what? Of the same, we've been in debt since we got it. And whose fault? Her mindset has been mainly since getting with me. Has been more focused on trying to fix the debt that we are here. For six years? I have signed up to it. It was my debt. What the fuck is wrong with you? If it's your fault, would I ask that question? I didn't even know. I don't know whose debt is whose. Okay? I didn't even know. So if it's your fault and it's your problem, we've been dealing with this for six years. You have. You have. I'm just close on it. I go along with it. Why would you? Why would you enable? Why would you support this? Because I love her. Well, I'll burn off the coast. I did not love enough to stick around, though. Just to understand. Not love enough to not cheat and text other people. Is it different kind of love? I did for kind of love. There's out there. He just wants to bust, okay? Yes. What happens? No, it's not the fact I want to bust. It's the fact that I want to feel comfortable. I want to be able to know for a fact I'm in a good place without having it. So what do you find with these other women, then? I want to say a small, a sense of security and reassurance that I was hoping to ask for her. But what do they do that gives you that? Nothing. Said no. Why it? This is him. I'm going to say, ask me how I'm doing. How my day is? Or what's going on in your head? How can I help you? Have you ate? Do you eat anything? Stuff like just small stuff like that. And then I feel like I had to come to her and beg her for it. Does she still? She got into just a slightly better, but it needs a little bit more improvement. Why don't you step up on that regard? That's not your natural love language, but it is. It's, yeah. It's hard. It just takes a little bit of effort. It sounds something biological within you. You're able to just do it as a courtesy. It's, well, it's difficult because when I ask him, "Hey, how was your day?" What's your day, same old, or? - Yeah, but he just wants it to be asked. Who cares what his answer is? Well, man. You have your own needs that you want him to provide. And he has this. Who cares what his response is? That's what he's asking for. What are you asking him for? And is he delivering? Uh, not all the time delivering. What? What are you asking for that he's not delivering? The security, this is the-- What security? This-- I am sure you're the one going to the third. I just want to be able to-- Be careful financially, you'll be careful emotionally. Be careful financially. That's what I ask. This is the main thing I ask from him. That's really it. All I ask is to be financially secure because-- But you're the one going into debt. So that's a health that isn't fair to put on him. But this is why we-- I'm going to go further into debt. You need to make more money to pay it off. And then I'm going to go further into debt. Hey, but I want to be financially secure. What does that make sense? I can't fight with yours as much as I can fight with his. Well, the debt-- I told him about this debt before we even got to agree to getting together. It wasn't. It was explained thoroughly as much as now. He was always telling me, oh, I'm in debt. I'm trying to make sure I get all my stuff together because I just-- It was always me, me. But it's been six years. I don't care what about sense then. Sense then. The debt we've gone in. The debt is co-signed for. You're begging him for financial security, but you're getting him to co-sign on debt that you make worse. Well, we need it for-- So how can you beg him for financial security? How? Please define what that would look like. Because when I was to stay at home, mom, and he did give me that sense of security, I was so much-- I was improving in all senses of-- How were you improving? Just because you got what you want, you were happier? But yeah, we all are happier when we get what we want. Life isn't always like that. I was more emotionally available. I was more-- Are you available? Yeah, because I'm just so-- I feel like I'm in trouble. So she had this suggestion to come into making herself available and to accommodate to what I actually need to want. Yeah, when we work, we have to give a little extra energy after work. We just have to. Well, sometimes I don't want to ask him because it's irritating. It's just irritating sometimes because he's just-- So it's irritating to ask me how I'm doing. Irritating to ask me about what's the full pain. It's the same answer. It doesn't matter, though. That's what he's asking for, right? You could say in that. But I'm like, what am I supposed to say that? I don't know what am I supposed to say. It's the same thing. What can I say to make you feel better? There's just no way. Dude, it's like, you asked me these things, but you don't give me the solutions. I'm like, when I ask you for something, I do give you-- I'm like, this is a solution that could be. This is another solution that could be. But you just tell me, I want this. OK, how can I do that better? You just like, OK, well-- Well, that all comes down to how you look at the situation about like, especially how I'm trying to tell you. I understand how to tell you everything. I was verbatim how you want to be like, I don't come through with a whole detail story about such stuff that I did this, that in the third. I'm not built to come with detailed stories. Like, I'm just going to put it all simple. It's just so nonchalant. It's irritating sometimes. What the-- kids, you just shut them down. Maybe it's points down, right? But you just interrupted and shut down? It's not a productive-- if that's how every conversation goes, then maybe I understand why he walks away. Well, I feel like I don't shut down. I feel like I-- You shut him down. You just did. Well. Well, that's a great word. OK, good one. Got me. I mean, I don't know what he wants. I don't understand. I like, I ask-- Express what you want, then. What's different? Express what you want that is different, specifically. Do you see? Let him try. Where's the patience? That's mainly the way I act for it is, I can say, patience. Because when I first proposed to her-- because the moment I proposed to her, it was I was put into ultimatum to choose. So my mom was going to move to Florida and I was staying with my mom at that time. So she asked me if I wanted to come to her order, I want to do something else. And I was like, what, 19, 20 at the time? So I didn't really have much of a-- I guess I got it as a principle, got it, you know, any guidance on how to go about that situation. So I asked her-- I needed the proposal to just benefit the proposal. It was literally the barrier. You are such a-- The thing is, I was kind of against what he was saying right there. I was listening, I'm like, what the fuck is this guy saying? What is he saying? And then you just interrupt him with even worse bitch behavior. It's like what, I mean, it gets both of you. Yeah, choose the woman over your mother. I'm sorry, you're not going to live with your mom forever. You're right. I just love your mother, I'm not saying don't love her, but yeah, OK, 20 fresh out of Juve. I'm proud of you. Choose her, don't live with your mother in Florida. But that's the thing. So at that time when my mom did move, she came back. So it was like, it would have been kind of pointless. Where your mom lives, you're just-- It's me, right? I don't even know what we're saying, guys. What the fuck is even happening? I don't even understand. What point are either of you-- you hate the proposal? Who cares? Why'd you hate it? Oh, man, maybe I care. It wasn't, basically, there was nobody to share it with. It was in his room, and he just proposed in his room. And I was just like, oh-- I should do that. That's part of the ultimate I really had. I didn't really plan that much time into making that proposal. At least go down to a park at a minimum. And this world-- So I hated it. I hated it. But I was like, I love him. We can make this work. But yeah, I still kind of hate that sale, to be honest. It's still-- I'm just like-- Well, I mean, get over it. It is. But it is weird. I hate it as a proposal, but you still here right now. Well, I think we both understand-- we all understand why it's the kids at this point. Yes, there's love. But I think we're ready to separate even with that, but we won't because of the kids, which is sad. It's sad for the kids. But yeah, next time you propose-- Next time. Not in your room. Next time. If you guys leave, I don't know. But all I'm saying is, yeah, bad proposal. Also, like, three years ago, get over it. What are we doing? Why are you locked on to that? Who cares? I don't have pictures to show my kids. She wants, she wants, she wants, you're daddy proposed. And you're already done. Make new memories. That's already done. We're trying to work towards it, but-- Are you? You're going into it. We're not having it. You are not. Yes. Because you keep opening debt. That I'm a part of. But I talked to him about it. Obviously, he-- You talk to him about it? If you don't agree, he could have said no, but you can't do anything if he doesn't say no. You're incapable. 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 only. 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. This is the best membership you'll ever join. And that's a promise. 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. Do you smoke that much weed? You're that f***ing your mind. I know you spent a shit ton on weed. You're that gone that you need someone else to say no or else you can't consent to you opening a debt. Yeah, play is every day. We're married, so we're supposed to talk about it, don't we? So I don't understand. Yes, conversations are nice, but you can't have an opinion unless he says something. You can't have self control unless he says something and brings up the belt. All the new, all the new dip is about what's for the house. Like it's not you still have agency. You're allowed to have the no opinion even if he has the yes opinion. You know that, right? Do you? Apparently not. What do you guys think your household financial score is zero to 10? Zero being the absolute worst 10 being the absolute best. Zero. Three. Maybe I mean, I doubt it, but why do you think it's a three? You said 10 being the best. 10 being the best you can ever imagine. I was a three. I always wanted to say a three 'cause it's stallied, but surely we getting adjusted into making the changes that we do as you need to make, but. Is it? Oh Lord. It's an answer of baby. the basic question, then. Okay, so we know what comes in's about like $6,000 a month. It's kind of a wind up. I mean, okay, we're getting cash advance in a bunch of shit. I'm not going to count that, but what went on? What was your outflow? More than what we make. Yeah. I'm gonna say about good 1.5 times what we meet. About 9,500, 9,500 was the total. Like in a month. That's what we spent 9,500 in a month. Yeah. You sure it is right? I don't think that's right. That's that's numbers. If you want to figure out your hammer financial score, make sure you go to Calebhammer.com. Take the assessment. It is free. See where you stand in the world of money. It's free. It takes a few minutes. See where you're doing poorly, where you're doing great and how to get great from your bad position. If you are and if you don't want to be in that bad position for long, like the guests on this show, make sure you download the dollar wise budgeting app. There's a free trial to see if you like it. And most people take the annual version after the free trial because it saves a lot of money. And you get my personal 30 day detailed meal plan that breaks out every snack, every meal, every recipe, everything you have to do. And it comes with the digital cookbook as well. So that you can budget your meals effectively. No more excuses. I will sign it and mail it directly to you. There you go. I thought you were canceled those. The cookbook. The cookbook. Now there's the digital version of the cookbook that comes with the 30 day meal plan. Okay, okay. Because I try to get your cookbook, but as you can see, apparently, that $1.00 out is crazy. I think your cookbook was a little bit outside of my budget. Well, I mean, it came with the annual version of the budgeting app and the budgeting app. Yeah, but it would have saved you hundreds of months. So actually, you would have. But either way, who has credit one? I need to know what's co-signed, what's who's done, what all that kind of stuff? Who's on credit one? Me. Just you. He's not on it. Okay. He used to be on the old credit one. Well, credit ones like the worst of the worst of the worst of the worst. It doesn't get much better than this. Yeah. So tell me, tell me what's going on with the credit one. So the old account, I overdraft this so much. And why? Because we were obviously living above four means as you can see. Do we what? Well, back in the day, we used to, yes, back in 2023 or whatever. And I know your caloric looks excited. But I would use to spend a lot of money on weed. Oh, like you don't now. Come on, $22 and shipply donuts immediately right there, blazed out of your good mind. I know that's what you're doing. No, it's for the family. It's not really just for her or me. It's for her mom, to who helps out with the kids. Yes, it is. Doesn't for the family. It doesn't for you. I got it. Okay. Shipply is good. Houston based. I love me a shipply. Yeah. You have been a shipply. I just thought I like you say. Hey, well, we would spend so much money like and we didn't have to wait. And then going out to eat. Yes. Yes. Yes. We did. But in order to pay for other things, I would use my credit card like sometimes gas stuff like that in my credit card, even food, even food. And it was to the point that I just couldn't keep up with it. Even food. Yes. So I do spend it on, right? Don't we work? Yeah. He spent almost a thousand bucks going out the last month. Shut the fuck up. That's what you were. Were. That's what you are. That's what you are. What do you mean were? Were? You don't know where you are. And you will. That's what you do now. We don't have time to cook. This is what you do. God, if you have time to meal, preppy, have time to warm up. Absolutely. Well, if you have, we're in the trenches right now with the worst. You both work 40 hours a week. Shut the fuck up. The worst guys that we have in the times that we come up. We get home at seven. That's what both of my parents did who works even more hours. And what did we do? Pagetti every day. That's what happens. It's not yummy. It's not great. White people. Well, white people tacos. Super fun. Okay. But kids are nowadays. Picky. So nowadays a two-year-old and one-year-old shut the fuck off. They don't want spaghetti. They will eat. And all kids are born the same. Now, all kids have the same. Are they? No. They will eat. They will figure it out. Dude, come on. Let's you spoil them and give them every single little thing they want. How many do they have? Are they on the iPad? Not at all. They are never on a device. I don't understand who you guys are. My kid, so I don't want that. So I was, yeah, I watch on my iPad kid. So I don't want that. And then break chat. You put a 130 bucks on here. It's not an emergency fund. This is not an emergency fund at this credit one card that you are now above the balance of $22.84 cents above the limit. Okay. 522.82 is what you owe on here, or 84. Sorry. With a $30 minimum monthly payment takes two years to pay off minimums only, but there are fees being added. There are minimum interest being added. I didn't know anything. That's what credit one is. It's just endless fees, fees, fees, fees, fees, fees, fees forever. I didn't know until watching your show about credit one. How bad it was. It's bad. Yeah. I had no idea either. Why? Why? Why? Why are we putting donuts on a credit card that does a green interest that we cannot pay off? Just alone. Just alone. That concept. Why? Please, anyone. Because that's what we all said out that we don't have to spend. And what was your plan here? Well, that is. Well, it's not our money that we had to pay back, but it's not come out right then in there. At that exact moment. Sure. So, what was our grand plan with this? What were you thinking every time you do this? What was our plan in the future? Our plan was we'll pay it back. How? Working checks, back checks, and more hours. Over time, the over time I give my job. You'll work 40 hours a week. You're bringing $3,000 a month? In $9,000. It reminds me of rent, bills, and necessities that the kids do in here. Oh, yeah. Sure. When Shipley's is not. This is not a little treat for the kids. The kids are for horror. Come on. Well, that's what the kids and her. And don't forget, her mom also watched the kids, so we also got to tend to her mom and make sure her mom's taken care of them. Well, I'm okay with that part, because that saves money over the long term. Versus like daycare, because you're able to work. Okay, so I'm okay with that part, but Shipley's we don't have to get, okay? Okay, listen. Both of you do need to make more money. That is true. I'll get you both course career certifications of your choice, either the trades or into tech. A lot of people in the audience have used them to either get new positions of their companies or better positions outside their companies, get six figured jobs. Course careers is great. So I'll get you set up with those, okay? Convert those into better paying jobs. You have to. Yeah. Okay, you have to. It's not the easiest job marketing in the world right now, but we added a lot of jobs last month. Maybe it's getting better. We'll see. Snap snap. Why do you owe to snap? Oh, no, it's gone to clutch. Oh, wait, no. It's been sold off, but it's still on minimum payment. What the fuck is going on here? Who has this? What is going on here to educate me? Give me a little education. I don't know. What the fuck is your document? The mattress. Gotcha. All what the mattress that you get. This wasn't my last relationship. So this is what. So I'm dealing with something from your last relationship. You. Yes. You guys talked about being the kind of situation. I told him this. He just see this is the thing. Repetition. I always gotta keep telling him the same thing over and over and over. He's a small finance. You kept away. I understand you talking about the situation itself, but it's well, small financial things are happening. I'm dealing with this now. Yeah, like nine years later, what the fuck? Wow. How possibly you're just paying on everything else and never paid what you're all like what was this look? It's a $25 month month. Love like this will never be paid off. Never be paid off. This is crazy. You still owe $1,940 and 92 cents at a $25. What was this mattress possibly? Yeah, it got this in 2021, which that doesn't even add up with the six years by the way. You seeing him overlap? It's 2026 right now, not seven. Yeah, but like we got together like so fast after that relationship. So maybe that. What was the mattress that you still owe $2,000 on with the $25 payment? What was this? So with my ex, I was leaving with him at that time. I got that one. Is it like a $30,000 mattress? I want whatever it is. It must be incredible. It was. It was. What was it? It's two twins with like combined as a queen or queen or whatever, but they're like you can race them up or massage or whatever. It's it's yeah, it's like a deluxe sweet. Like I don't know, but that was and then they included it supposedly a free 65 inch TV, but I was he was the ex convinced me because we were living in the apartment with an air mattress. He is inflatable air mattress. So you have to get a million dollar mattress, a super mattress? I didn't think anything. I just I was so shit, but you're still paying on it. You're paying on it. Yeah, not your ex. He, I don't know why he's doing it. I don't know nothing about him anymore, but this is my portion, no, no thank God. - Well, 25 bucks a month for like, ever. Unless who knows what the interest is if it ain't, I don't really know. - I think they closed this, so I don't think there's interest. - No, they, yeah, it was closed, so the collections, and now you're on a payment plan with collections. - Yeah. - This is fucking crazy, okay, one, nine, four. - Well, this is the first time I got into a payment plan, never paid it until now, I've just started paying this like last month. - Yeah, okay. So it went to collections and maybe actually falling off for it until we soon, but now you're on this, so it's all reset. - Oh lord. - 77 months to pay off. - It's pretty brutal. - Mm-hmm. - You'll have this for six and a half years. Six and a half years, you're gonna be paying on this. - Imagine I'm not sleeping though. - The mattress you're not sleeping on where he used to be. - Oh, gosh. - Great. - Great. - Great. - Okay, but that's the past, you know. - Okay. - The kind of, not really, it's right now. I would actually say it's right now, 'cause you're paying on it right now. - At least with my money, at least with what I work for. - Yeah, it's our money, we are together, so we're a joint income. You know, we don't have a shared account, but we realize we're making money together in the same relationship, so. - Why aren't you guys joined? - Because there's no money. - What, what, what was supposed to jump? - I'm gonna say, there's no money. - There's no money. - If you're separate with no money, be joint with no money. - It's more or less the spending that can come out of that one account, and then we'll really be looking at each other like, where is this going, what's she doing, and stuff like that. - Did you say all money goes into one account? - No, it's a, if it were, if it were. - Well, why don't we? Because then we would have more insights. Again, but it's through dollar wise with the automated account connections and insights, you'll know exactly where it's going regardless. But at least with one account, that makes it easier, right? I don't understand, why not? - Because again, I just thought it was unnecessary since there's no money. I mean, what money we're gonna put in there, the rent money. I mean, we already pay that as in our separate accounts. Like, we just make sure that we haven't and whoever has that money pays it up. - It is, from my point of view, I honestly don't benefit and have the joint accounts. - The benefit is again, more insights, more control. You're able to send out from the bank account. - Out, everything comes in. You know how much is coming in and it makes more sense. - Okay, collections. I'm being told this is yours. So you do have that, apartment. Why do you owe apartment collections? - We broke a lease. - Why, who's we? - The apartment, it was applied on me, my name at first, 'cause this is the apartment that we moved into where I was, instead of me moving in with my mom, I moved in with her. - Also, you just moved that. I don't think you broke it. If you broke it, you would have a payment thing that you could make with it. - Yeah, so we moved in. - Are you broken and didn't pay it? - Yeah, so in the process of us breaking the lease, what happened with that is, we had a car. We had a car and the apartment complex has parking. A small parking, like small parking, apartment complex and everything like that. They have a section where you have guests and residents. - Yeah, it's normal. - And then you have also spots that are like reserved for people who actually pay for their spots. Everything, everything, even from a guest spot was taken. - That's normal, that happens, yeah. And then, they put me in some position where I had to park in a guest spot. And apartment complex switched up their parking situations like four or five times. - Okay. - And then the past two times, they ain't let us know anything. They'll send like notice or they send like mass checks or anything like that. The past two times, they ain't doing nothing. - So you bail on your apartment if you're trying to forever? - He's car. - His car guy. - My car got told, because it's the fact that-- - It's been opened. - That's annoying, so you pay the bill, you get it back. - That's 500 to 600. This is 4,079, which one's worse. Like, yes, it's annoying. I'm with you, that's annoying. I got that. - Well, also we broke it because we were literally a month away from giving birth to our first son. So the apartment complex refused to change the-- - The main-- - The main is forever. - So I didn't want my kid to be crawling in this dirty carpet. - Oh, ain't it! Get it a carpet cleaner for like $200 on thumbtack. Why use them? They come clean my rugs. And I have a decently sized house. It's not that expensive. That $200 to get your carpet cleaned or 4,000. - Which one's better? - $500 to get your car untoed or $4,000. Which one's better? Guys, standing up to the man, just-- - You. - I did. - And now I'm guessing your guys just credit something with this collections and everything. Good luck moving from your current place. - We can. - We can. - You need two. - Exactly. No, you'll never be able to. Is your new place, so he's decent? You like your new place? - Ah. - Oh, great. - See, here's the thing. As far as the place that we are right now, that's another thing we need to talk about. That was something that I also escorted off from as well. So when put in a midst of us trying to get inside the house, she already had plans on what the house looked like and everything like that. She only told us. - That's the house? - Yeah. - That's the house we're renting. - I don't like it. - To house. - I'm gonna say, it's the house that is a house is a house, but the fact that I was escorted on like what the house looked like, like the public process of us moving to the house, I didn't know that then. So we actually officially got there. - Well, who cares? - I care. - I mean, yeah, that's nice, but we're just trying to get more space for the kid, I assume. - Yeah. - Even so for the dog. - But you don't even like it. And you picked it? - Well, I didn't know when I got there. The reason why you like it. - And you can't move now. - The reason why is because there was no lease, there's no lease. So if there's no breaking lease. - And then she lied only because it was convened to stay by her mouth 'cause her mouth. - It's five minutes from her mouth. - Yeah, so it's good, especially if she's daycare. - It has a backyard for the dog. - That's good, too. What's the issue? - So the issue is that it's now kind of falling apart. It's there's no, there's no maintenance. - But you're not on a lease? Isn't that good? - Yes, that's why I tried to move into an apartment. And that was not, like, so we pay $1,500. - But you can't, 'cause no one will accept you anywhere. I mean, you have to do like a mom, Pa, and just explain the situation. But I mean, you're still probably considered your risk. - They're still, they're still not. - Who the fuck would run to you guys? Absolutely not. - So, who would? - I mean, my, in my thought process, I'm like, we paying $1,500. We can definitely pay $900 apartment. And so that's why I apply. - How it works, girl? Okay, yeah, so, I mean, that's shit. I mean, makes sense. I don't know, I have some collections and you can't, I mean, I would, you're gonna have to negotiate that down to like $2,000. I don't necessarily want to borrow for it, I don't know. But it's preventing you from moving, yeah, that's, and that's gonna hurt you longer term. - Mm-hmm. It really is, it really is. And trying-- - Flexions money key. - Oh. - What's money key? Oh, this sounds like you. - Yes, I was alone to pay for rent. - Why? - 'Cause I didn't have, we didn't have the money. - Yeah, but you could've, it worked. I know you weren't. Your mother was there. - No, this is back in-- - How close was she? - My mom, 40 minutes. - Okay, even still. Then you drive 40 minutes, you have to get off, go work your ass off, and drive 40 minutes. Life is great all the time. You have to make sacrifices. Now you're doing pay day loans that are now in collections. That's what happens. So what the (beep) - Well, I just, I'm just-- - It's only 700, too, like, I mean, yes, that is, don't get me wrong, 700 is an impactful amount of money. You spent 900 going out to Elias, want to? You could get this off your credit. Save that $900 twice. You might be able to negotiate your apartment collections down. You guys haven't escaped path here with how much you spent. - So you're telling this to-- - Honestly, we didn't know we were spending that much time-- - No way, Sean. - No shit. - So each time it's a maneuver from fast food to saving. - Cooking at home. - Yeah, okay, well, I still feel like we're living in the trenches. It's always like we, not-- - I feel like our-- - He's stereotypical black term. So my grandmother before she passed, she always told us about a saying called, "Catchers, Catch, Catch, Catch." - What? - Say it again. - Catchers, catch, can. - Yes. - Okay, yes, explain. - So you're in the kitchen. You're the catcher. You catch what you can in the kitchen. - Is that bottoming? - Who? - Okay, continue. - I was saying, so you're in the kitchen. So you're hungry, you are the catcher. So you're in the kitchen, you catch what you can to feed yourself. So you catch your catch, can. - Saying, make cod dogs. - Okay, so essentially, it's a weird way of saying, eat what's at home. - Pretty much. - Okay. - Okay. - Couldn't have just said that, but yeah. Guess we need a saying for everything. - He reaches that all the time, but he doesn't-- - I have a saying. - You guys are poor and fixed that. There you go, follow that saying, that'll get you places. - Dang. - Well. - Poor thing. - Fix that, don't forget the fix it part. - Bob the builder style, right? - Yeah, Bob the builder, yeah. Yeah, yeah, yeah. We love Bob the builder. Ah, yes, you guys have kids. That's okay, I was wondering. I was like, is that what you're watching for entertainment? It would make sense, but. - No, we watch dragon tails and curious darts. - Okay, yes. - Good picks, good picks. - Got that modern slap, I appreciate it. - Exactly, exactly. - Sounds like the kids are growing up in a non-ipad, decent cartoons, I appreciate that. I really do. Okay, so 700, I don't know why, not even. If you get on payment plan for that, but instead you did for the f*** out of 2000, but whatever. Oh, to mother, which mother? Whose mother? I know we both have mothers. - Okay. - My mother. - $2,500. - Why possibly? (sighs) - For electricity? - Good death, woman. - Yes, they have bill you haven't borrowed against? And when you guys both, right now you guys make $6,000 a month that you make okay money. Like very livable, median household income money. What is the issue here? And that's net, that's not gross, that's net. Starbucks is bulls (beep) and a waste of money and you already know that by making your coffee at home and invest in the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just $0.40 a serving. And honestly, it literally tastes better. And we prove this accidentally via a blind taste test in our hammer elite show, Batten Fatter. - The number one ranked energy drink is. - Gables. - Literally the cherry flavor is insane. - Listen, you can also get free samples to see if you like it or 10% off your order at Gamersubs.gg or click that link in the description below. Type in code Caleb. Stop bleeding out money making minimum payments across multiple high interest accounts. 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You can't tell me that. You wouldn't be borrowing money from your mother. 2,500. - Yeah, well, most of it was for light bill 'cause it did get shut off. So, I didn't want my kids to-- - You light bill got shut off? - So we, I had to-- - What month was it shut off? - Ooh, maybe January of? - This year, if not this year, in the last year. - Last year, I think. - Well, no, no, was it January 25 or 26? - 25. - Guys, was it this year or last year? - I don't know. - Guys, was it five months ago or last year? - Safely, we don't remember. - Last year, let's just let us see. - No, I need to know exactly. I need to know, search your chat with your mother. I need to know exactly when the electricity was paid off. Would it be in your chat? - That's a lot. - No, 'cause I talked to her in front of face to face. - What? - I want to look at your checking account during that month, but you can't even tell. Of course, you're spending money on bullshit. Absolutely, of course you were. There's no way you weren't. Now, are you on a payment plan or anything? Did you have one kid or two kids when you're shut off? - One. - One, yeah. - But you just don't know one month. - Yeah. So it was last year. - Oh, the time period, like that, the time period. A little long time. - Was it really cold out? - It was getting hotter again. So it would have to be pretty, January February, probably. - What is this Houston, so maybe like, it starts getting hot like when I'm on March April. - Oh, good death. Oh, good death. How are you guys gonna just make it in life? What the fuck are we doing here? - Living on a dream. - What do your parents think about your financial situation currently? - Oh, they, they're. - My mom really does it. My parents really don't know much about my finances or don't know much about what's going on in my own household 'cause I keep that discreetly between us. - We don't ask them for financial-- - Just 500 women? - No, his mom. - I don't ask my parents for any financial advice. - Why? - Advice? - Why? - Just in general, 'cause my parents separate when I was 10 months old, nine months old. - Well, I know. - And then due to that, - Why? - Due to that, from that point on, it was really my dad who walked away. So trying to talk to my dad about the advice or anything kind of advice at all, it just went left. - He's in worse situations, financially. - That's fine, that's fine. - So, but yeah, that's part of it. And then-- - And are you honest to your parents about your financial situation where you borrow money for them because your dad's up next? Are you honest? - Yes. - Dan, being told specifically, no. So tell me the truth, woman. - She does know it's just-- - Parents, 'cause you borrowed $2,500 from your dad as well. - Yeah. - Come on. - They know where I borrowed the money from them. - Yes, but your financial situation overall, do they know that you're spending $1,000 going out to you? - No. - A thousand, $200, and miscellaneous bullshit. Instead of paying them back a single dime. - No, the pet, they do not know. - Of course not. Let's call them in the post-show. - Mm. - Yes, absolutely. Yes, I will call them and I'm telling them how you're spending your money. Absolutely, I bet she's watching the kids right now, isn't she? Uh-huh. - Dan, over here. - We're gonna have a nice, little chat. Okay, so why'd you borrow $2,500 from your dad? The English speaking dad. Insurance for car. - $2,500? - It's been years of him. - This is pathetic. What is wrong with you guys? You're a 27. It's time to grow the fuck up. There is nothing wrong with falling onto loving family when you face a hard time. But you're not facing a hard time. You are spending money. You don't have on bullshit you don't need. It is not improving life. And then you borrow from them for insurance for years. You borrow for the lights because you chose fun over lights because you refuse to work even though mother can watch. This is pathetic. You guys make okay money when you both work which is what you can do. And yet you borrow from them continuously and don't pay them back a single cent. It's pathetic. You should feel pathetic. You should feel ashamed. You deserve that feeling. I didn't need to do something with it. But you deserve that feeling. - Well. - Kind of hard to hit me with that feeling 'cause I'm not out. I don't say I don't care too much, but it's a thing. - You don't care? You have no pride as a man? - I have pride is just having hit me like that yet. - How is it not right now? Where's the wake up call? What could I even say to you? - Oh yeah, I'm still trying to figure it out. - No, I think it's just don't give a shit then. And then what's the point of any of this? If you don't give a shit, if you don't give a shit, you're never gonna take care of her. You're never gonna take care of the kids. You're never gonna sacrifice anything. You're never gonna cut back. I'm spending your night. I'm never gonna combine accounts. You're never gonna open up budgeting app. You're never gonna educate yourself. You're never gonna have a hard conversation with her without running away like a little pussy. You're never gonna stop cheating. You're never gonna do anything unless you man the fuck up and care about the consequences to the actions that you are doing. You're never gonna do anything. Maybe you shouldn't say. - I'm staying regardless. - What, even if she wants to leave? - She wants to leave, that's on her. - She can find a copy and paste it for you in Houston like this. (burps) - It's Houston, so I mean. - Exactly, that's what I'm saying. - It's called a small skinny black guy? Yeah, I think she can find him. - Find him and find him versus maintain this to different things. - Well, she can't maintain you. You don't give a shit. The only reason you're not gone is because of child support. You said it yourself. - Right. - Disgusting. - What? - Man up. - Or call that survival. - Survival? What about survival of your kids? - I'm sorry, I've had fun goofing and gooning and whatnot to the, you know, like, he jokes and stuff like that. But I have to ask, now just like this is a man-to-man, you know, not a racial thing. Man-to-man though. Why don't you want to be a stereotype that is bad and disgusting? I mean, it's a shitty stereotype. It is. It sucks that it exists. It does. We can joke about it and we can have fun. 'Cause we joke about all stereotypes here. It's the fun of the show. But why would you not want to crush that stereotype in like a reality? With everything you just said, you not caring and you not leaving just out of fear for having to give a little bit of money? Why not crush that? Why not try to be a pillar of your community and try to make life better and look better and be better? - And that was time for us to build the experience to make sure that it gets to a point like that, right? - But you said you don't care. You told me you don't care. - Nah, the wake up call hasn't hit me yet, I didn't say it. - What can she do, then? If she hears that, what the fuck do you expect from her? - I don't know. - At that point, she should leave. I don't know, I don't want love to break up where a kid did not have a father. But at that point, she should leave. If the guy next to her says he doesn't care, that's it. That's just being a pathetic excuse for a man. If you don't care, you don't have a wake-up call. You still gotta put in the effort regardless to step up for the household. - You have to go to work, yeah. - You go to work, but you just told me you don't care. - If I didn't care, I wouldn't be working at all. But I care about- - Pointing in 40 hours. - I mean, you're doing kind of the basic minimum requirement. Like you'd be doing the same, even if you're on your own, so you could pay for your own bills. - But it wouldn't be that much of debt involved. - Yeah, it wouldn't be us annoying at home, yes. I don't know, that's really disappointing, man. That's really disappointing. So disappointing, huh, that you even owe to your dad's friend. Seven thousand hours to your dad's friend. If that is an wake-up call for how pathetic this household is, I don't know what else could be. - Well, what we needed a car, we needed a car. So because we were down to one car, and it was a beat-up car, and it gave up us. It gave up on us. So we had zero cars. - The cars I would receive, the cars I would be giving, it would always be broke down or be wrecked. And I think right now we're on our, I live on my third car. - Yeah, so happens when we're getting cheap beaters. This is going to be even worse over time. So we want to get a 10,000-hour car at a minimum that is approved by multiple mechanics before we leave. So are you paying on this to the dad's friend? Of course, not why would we. What a joke. - So what is, so does this car still exist today? This one, what is it? - It's a 20. - 27, it seems you were going to go on court? - Bewick, and it's broken down. - It's just, I asked if it's being driven to, it broke down literally. - So right now. - You guys drive to get over here. - My car. - Okay, so how are you getting places? - I have my dad, 'cause my dad worked with my dad. I had my aunt work with my homeboy. I have them taking me from work and taking me home. - What didn't we do that? - Instead, just save up her part. - He said that he don't want to be, 'cause he said that his dad, it's, he feels like he's a bother. He don't want to be. - Yeah, you are, but you're a bother of your household. Now you're a bother of her dad's friend. You're a bother of your dad. It's okay. - I told him this. I was like, I'm willing, look, I'm willing to take you to work for in the morning. - There you go. She even went, what the fuck is wrong with you? - And he said, no, that's too much. And. - I'm bleeping it. What's your address? - Oh my goodness. You guys don't even barely live that far out of the city. I guarantee you, you can find a bus nearby. Okay, what's the address for your work? Ah, you can bike there. - Yeah, 18, 20 minutes, right? - Yeah. - Oh, you're a little cut. Hey, it's gonna be a little bit more of a bike, but it like a motorized bike or a (beep) mo-pad, man, mo-pad. You know what? It's two turns. Two turns, whoop, whoop, whoop. Oh, sorry. Okay, one turn, two turn, and you're there. - That's all it is. It's a straight shot. Airport to Scott to the straight you'll work on. What is wrong with you? Bar and money for this car. I mean, it would be a brutal walk. I'm not suggesting doing the walk, especially in Houston, good luck. - And then I'll be there. - The bike, right? I mean, yeah, it's gonna take you like 30 minutes, but I let me see. Okay, public transportation, no, actually they can't find a way there 'cause it's Houston, it's pathetic. But you can mo-pad. You could get a mo-pad that's not gonna break down, and I know it rains a lot in Houston, get a little raincoat, I know, it's not perfect, but looking at what you're having to do. Look at what you're having to do. If you're not willing to sacrifice anything else. Okay. So what are we gonna do with the car that's broken down? The Bjork. - Between trying to wake or make a way to try to fix it or give it up, which is the best. - Oh, how much is it gonna cost? - To fix it? - To fix it. - You got a quote? - Is, so parts is like 393 laborers, six, nineties. - Well, nine hundred and something. - 984 total. - Guys, you spent that going out to eat! Okay, your mom's friend. Your borrowed 3000, you guys are pathetic. This is the most pathetic borrowing I've ever witnessed. What do you owe to your mom's friend? What? - That was the down payment for the car. - Oh, good death. So down payment from mom's friend was given to dad's friend for the car that you borrowed 7,000 from dad's friend. - And still. - What a joke. Are you paying her? - I really hope. - We're working on it. Either you're doing it or you're not. So shut the fuck up. I really hope. I pray that your kids watch this at 15, or 16, or 17. And they see that their parents improved. And this is where they came from. 'Cause it'll give them a good kick in the ass for their life. See, their parents were and that they made it work because they sacrificed a little. - Yeah. - But if they watch this, and their 16 is 17, and it's just as bad if not worse, they should be ashamed. - I was looking at it as more or less, less than a separate phone. - Yeah, you should cry about that. I feel like, yeah, you're being a shitty parent. Yes, you are financially, yes. You are financially, yes. Not necessarily boring. I hate, I hate owing people. - To you 'cause you do it every five seconds of your life. Like I would cry with you if it wasn't proven against. Like I don't think you guys are necessarily morally bad people with a cheating sonar. (laughing) - That's crazy. Like I don't, you don't beat each other. Right? - No, no, no, no, no. - Okay, listen, I can't define you as an overall bad people, but as far as on the show, yes, you are. You are, but you don't have to be forever right now doesn't define your entire future, and the past doesn't define right now. What happens in the future is up to you. - But you don't give a, you don't have a wake-up call. And you just keep borrowing the sacrifice, nothing, you just want to eat. To the landlord, to your current landlord, that you don't even have a contract for, you owe 1,500 for what? - For rent, but we already paid half of it. - Okay, so it's 750, but you still owe monthly on top of that, right? - Mm, just this month, it's just this month that we owe. - Okay, and that next month, what? You don't owe rent next month? - Yeah, so we're late again. So we're always late on rent. - Oh, good death. Good death, yet? Okay, how can you be late on rent and still go out to eat? That makes no sense to me. You owe a parent, okay, you're just being a selfish dick. But what the, you're late on rent and you're going out to see that's insane. Yeah, why not? Student loans passed due, sure. Are these federal? - I believe so. - Oh, you're going to get garnished. If they're passed due, they're going to get defaulted on and they're going to get garnished and you're going to lose like 30% of your paycheck. What you can't afford. So get on a repayment assistance program. That's what it was passed to the BBB last year, okay? That's the new payment system. You can get on it, you're lower income. You can get on as low as 1, 2, 3% of your income. So call them immediately and figure this the, okay? Good death. I'm gonna bet it's like a $25 payment after that. Bro, come on. Did you get a degree? - No. - I dropped out too. It's okay. - It just depends on what you do with your life after that. - Right. - So it's honestly not good. - Yeah, I mean, I think student loan borrowers, like 40% of them don't have a degree if I'm not mistaken. So, I mean, it's not over-surprising, but what were you studying? - How was the marine biologist major? - Okay. - Sure. - 6,500. You need to call them now. Get on it like a $25 payment. Or else it's gonna get garnished and they're gonna steal like $200 a month. From your paycheck, 'cause it's the government. They can do that. 227 in our time account. - We do love time, time's great. signupchine.com/calib. Get your $200 for free. You'll have just as much as they do. And they're time, literally in free money, just by signing up. That's bad. Well, you started with 98, that's even worse. Oh, we're door to action of wine, bros. Okay, this is pathetic. What a joke, behind down rent. Go off. Amazon, Amazon, and T-Moo. Church, you're donating $250 to the church? - Yeah. - When you can't afford your own rent, the church gives people money to help pay their rent. You're not giving the church money right now. You're the people that church helps. Do you understand that? You can get more to the church when you have more money when you get rid of debt. I'm not saying don't do your religious obligations. - It's a must. - Huh? - It's a must. - No, it's not the church gives you money when you're in your position. - We don't tell the church, we don't tell it. - We don't tell it. - We should. That's what the community of the church is for, typically. Talk to the pastor about your financial situation. Say what the pastor says. Okay? You can get more money to the charities or whatever of your choice. When you sacrifice, get out of that. Have an emergency fund and have money invested. You can give more over the course of your lifetime than continuing to give a little bit of money now while you're poor. Also, $250 is the same for your financial position. - This is be honest. - Yeah. - What do you think about that? - No, she's one who got me into tiredening for the church. So I was with it as far as donating for the church. - I'm down for it, but you guys are poor. They would give you money. If you money, typically churches give money to the poor. - I mean, it's a must. I can't. - I mean, it is, maybe it says. - No, talks to the pastor, somebody says. Talk to the pastor. I bet if you say I can't afford to keep the fucking lights on, minus the (beep) and the pastor would be like, girl, you're (beep) - No, I still have to do my thought, I'm sorry. - You're not willing to see what the pastor says, wouldn't he be a better authority than you? - I mean, I have to solve my pride and-- - Whoa. - You're broken. - So all your pride, so all your McDonald's, McDonald's, Chipotle, McDonald's, Amazon, Amazon, torches, tacos, little scissors, food or rama, fuck it, why not? Bullshit, McDonald's, McDonald's, McDonald's, Bullshit, but you're doing it all day. Chucky cheese, sure, makes sense for the kids, but you don't have to get food there and shit. Bullshit, apple cash, balance out of 250, what is wrong with you, $520? Even worse, SP everyday dose. - That's mushroom coffee. - What is wrong with you? - You're a joke. Subway, McDonald's, McDonald's, Amazon, Amazon, McDonald's, Walmart. - Walmart? - But it's bullshit, it's $3.15, you're not getting anything necessary from there. Bullshit, apple cash, what a joke. Time, yours, negative $40. - Oh, good, bull shit, Kirby, bull shit, and you're getting the energy drink, sorry, I'm saying. - Yes. - Gamers, subs, you're making your energy drinks at home, just like your coffee at home. There's Steve Harvey, one, if you'd prefer that on their website. Get your free samples, figure out what flavor you like, then use the 10% discount code, KLOB, link in the description below as well. Just use that link. Make your energy drinks at home, just $0.40 serving. No more of this, four hours to 72 cents, like he did at Kirby Express. Then your door to Ashing, pop was barbecue, your ATM would draw, go into the strip club, 63 bucks, or probably weed, more of a draw. - Okay. - Apple cash. - I forgot it, no, 'cause maybe. Chipotle McDonald's, cash app, bull shit, bull shit, cash app, bull shit, McDonald's, jack in the box, you guys don't give off. You just want to eat every second of your life out there. This is disgusting. Bull shit, energy drink, China cafe, Xbox, jack in the box, apple cash, shall, pop buys, apple cash. - You got a little pop buys, huh? - Full of chick, first donuts, huh? - Got a little pop buys, huh? - I do a lot of pop buys. Hey, I mean, it makes me shit like a little liquid, just absolute dukey, but so I don't, unfortunately, but it's good, yeah, yeah, yeah, good times, good times. Spotless. Oh, car washing, Houston, you don't need that. McDonald's, McDonald's, especially your car's like broken. Energy drink, McDonald's. Well, while your dad drives you, this is disgusting. Door dash, again, ATM withdrawal, again. ATM withdrawal, again. Energy drink, Domino's Burger King. Amazon, this is pathetic, this is disgusting. You guys are just, you don't care. You spend all your money, and you make no money, and you want to quit your job, and this is, you guys have just given up on the life, and you're just trying to get all the food down, y'all's throats. Let me figure out your budget. What the fuck? She did something as a revenge. Okay, we're gonna get into it. This is crazy, but we're gonna get into it in the post show. Oh, my, when you cheated, she did something, that you don't know about. She's using this as a platform to talk about it. Your anxiety should be spiking. This is not, this is crazy. Okay. You're disgusting. You're a bad person. Okay, fuck, I'm jumping ahead. Okay, 5,500-year-income, just about. Dad payments, did you get to be pissed? We checked him, we checked his weapons, right? Okay, $80 minimum to payment. I don't know how the fuck you guys can't even do that shit. What's your rent? A thousand, five hundred and fifty. What's your utilities? Internet, gas, electric, all that combined. So electric is part of like 250. You say gas? Yeah. For me is. Gas, house, gas. Is that not? No, we have electric. Okay, is there internet? How much? Oh, internet. 60 bucks. Okay, 310. Okay, gas, room, room, drive, drive, how much? I do. Between both vehicles, just one. Yeah, both. Me is just $53 per week. And you? Same about 50 a week. Okay, we'll call it 420, very good. Car insurance, how much? Like 300. For both? Yeah. Okay, phone bill, 180 for both. Okay, do helium once your phones are paid off. I'm assuming they're not with that bill. Okay, groceries. What's the two-year-old eating? They're all chicken, same. Okay, almost every, almost, yeah. They don't. The plan. 800. Very good. TP found anything else to you and the family need to survive through a hundred bucks. Health, care. Okay, any minimum co-pays and whatnot? Monthly basis? We don't, I don't have health insurance. Why? Because I miss my debt line up. Okay, $200, you're getting on at least a minimum. Okay, subscriptions will try like 70 bucks between you. Well, if you have any pets, yeah, you got the dog. 50-hour pet insurance because you can't afford an emergency. How much for pet food? Ooh, maybe like 60 a month. Okay, is there a gym? Not anymore. Okay, anything else that needs to be in this budget that I have not taken in account yet? Okay, you guys have wiggle room. I'll give you about a thousand hours of wiggle room. In that first dip. Correct, like to pay it off. 'Cause we want to do it. Oh, yeah, a thousand dollars left at a monthly basis. About a thousand one hundred, but I'm just gonna round it into a thousand to be safe. Listen, with that, yeah, I mean, your minimum through payments that you have the credit one, we need to pay that off. I mean, you pay that off in the first month and the student loans you get on the minimum, you don't touch it other than the minimum on the rat plan. And the bed, you pay off the bed in two months, so in three months, we have all that paid off besides collections and family. After that, you're just starting negotiating it down. We deal with the collections and then the family. We get out on a minimum family plan. I mean, even just small amounts so they can see it coming in. And it's the same amount that went to your bed and credit one. That way they can at least feel the difference and your budget doesn't change. And at that point, you're just saving up two thousand for two months. You pay off the apartment, you pay off the fucking collections that you had a $700 like that. And then you start grinding away the families. This shit isn't hard. This is done like a fucking year, year and a half. And then you get a fully funded emergency fund. And yeah, you keep working. I don't give a shit. And you should pick up extra shifts so you can pay off that quicker. Then we get a fully funded emergency fund. Then you guys live 50/30 terming, which you told me can with your income. 50% of it is 30% of the wants, which is a good amount of money on wants, which you finally get to have again. But you have to cut your budget out into zero, which I don't believe you guys can because your spending is insane. And 20% going to save it so you have a chance to retirement. Okay? That's what you guys are doing. Okay, I got to get in this post shop. Because this is about end to be insane. The shit that she did behind your back when you cheated. Glad you're using this platform to finally come clean. Let's get the hammer financial score first. Spending in a budget of zero, I tend to get this collection. Zero, I tend to immerse you. There's nothing to zero, I tend to immerse you. Zero, I tend to get this collection. And at least the best membership on YouTube with three shows, three premium and credible shows every single day, six days a week, including the extra 20 minutes of this episode, the financial out of post show. It's, that's gonna be wild. I'll see you there. Because you decided to cheat. I decided to step out and cheat more than you did. So what do you mean? So I decided to cheat back and actually text my ex. The same ex will beat you up and stuff like that. The same ex you talk that much crap about, the same ex who I try to save you from is the same ex you do. Wait, what'd you do though? What'd you do though? I went to his house meet up and a couple of drinks and it was good. Plus I have an exclusive offer just for you. I'll only have a thousand available to purchase. This is the best membership you'll ever join and that's a promise.