This Has Never Happened Before | Financial Audit

Tammy regularly hauls stuff to her kids at college. That's why she shops at BJ's Wholesale Club, saving up to 25% off grocery store prices. Beef jerky, microwave meals, laundry pods, even they can't screw up. Have you met my kids? And with BJ's gas, she gets there for less. They call me the road warrior. This is your home, road warrior mom. Home of the Save. Join for just $20 at bjs.com slash mesquite and save 10 cents per gallon for six months. Open soon. Limited time offer, new members only. BJ's. Home of the Save. This is a $100,000 household. How much did you get in EBT? Like five. Why possibly? I'm tired of the infidelity. Oh my, you guys collected every piece of the infinity stone. I have a friend named, I talked to him. We were like grabbing each other by the collar. This got big. He threatened to divorce you if you ever did this again. Okay, well, took a play that game. You have one week left to enter the Dollar Wise referral games. Already a customer? Open referrals, grab your link, and start sharing. Earn up to $15 per referral. Get 10 referrals to unlock exclusive swag, and the top five referrers win a trip to Austin, and the number one referrer wins the $10,000 grand prize. Now to remember, join now and lock in 56% off for life. This is your last chance to make me your financial sugar daddy. Click the exclusive link in the description below and get in the game. I want you to be on the next episode of Financial Audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story, or a life, or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to calebhammer.com slash apply or click that link in the description below. My name is Amber. I'm 36. I'm Sean. I'm 31. And we're from Baton Rouge, Louisiana. And this is Financial Audit. No offense, but it is exactly how I would view Baton Rouge, Louisiana. Black. So, Amber, what do you do for a living in Baton Rouge? Oh, my God. Oh, my God. Baton Rouge. I'm a para. Paraprofessional. Like a teacher's aide. Ah, okay. Good. I don't think that's really much money, is it? No, it's not. If I'm not mistaken. No. Okay. Well, what do you make? About $25,000 a year. Yeah. That's f***ing nothing. Why are you doing that job? Because I love kids and I want to school. Hold on. Be careful. Especially all the women teachers lately. I mean. Tutors. Yeah. I love my job. I love my job. You hate your job. I love my job. You're miserable. I love my job. Ah, that's good. That's good. We love that. Your job doesn't love you. They're not paying you s***. I know. Get a better job. Love kids in a different way. No. In a way that pays more. Well, no. Teaching. Okay. I want to school for teaching. Oh, okay. Well, that's good. So, this para. Mm-hmm. What does that come out to per paycheck? About $1,900. $1,900 per paycheck. Okay. So, I get paid monthly. Monthly. Oh, okay. $1,900. So, you paid over the summer? Yes. You evenly split it. Okay. I get summer off and I'm off on all the holidays and everything. Yeah. Well, yeah. Most people are off on the holidays. But, yeah. That is true. And you're getting paid $25,000 a year. So, I don't know if I'd be celebrating the summer off. Sounds like you're getting compensated for that. But, Sean, what do you do? Please, please f*** good job because this $25,000. I think that's the lowest, like, actually salary we've had. I wasn't going to pay less than that, actually, before I got this job. So, you've been paid less than the less. That is not a good thing. And it's not. For $36,000, that's actually a really, really bad thing. But, Sean, please, please. I am an engineer intern for a transportation. Damn it. Why'd you have to say intern? Engineer, I got excited. Got a little boner. But, okay. It's the process of getting my engineer license. I have my first stage, which technically makes you an intern. Once I get that second stage, I can fully say that I am an engineer. Okay. Okay. Cool. Well, how long is this interning before we can get actual? It's a full-time job. No, I know. But when do you get to be engineer, not intern? I have about three more years until I can get that. Okay. What are you making in this intern? Right now, I'm making $75,000 a year. Okay. Okay. The intern is like asterisk intern. Gotcha. Right, right, right. Thank f***. Because I don't know how you guys would be possibly surviving. Okay. What is that $75,000 or whatever? Break down to per paycheck cycle. Per paycheck is about $2,200 a paycheck. Twice a month? Twice a month. Okay. Thanks. $44,000. I was going to say. I mean, at that point, what would we be doing? What would we be doing? Because if we're making $1,900, do you guys have any kids? Yeah, we have two. Okay. Well, no, no. That's okay. But what are the ages? 15 and two next month. 15 and two? 15. One is 15. Oh, okay. They're about to turn two next month. Okay. Because I was going to say, if we were making literally $25,000 a year, even if you made an extra $25,000 a year, if we have that on two kids, if we're, I mean, it would be following classic, no offense to Louisiana. I mean, it's a very not great place. Poor. It's horrible. It's in a battle. And like everyone's on benefits. You guys would be on benefits, which isn't a bad thing inherently, but that's essentially the show would be constructed off of, well, you don't have any money. You guys have benefits and we won't be able to budget. Right. But luckily with that, you guys make $100,000 a year. Right. So you're not on benefits. Yeah. You made a sound. Well, we, we do have a little bit of benefits to help us out. Before. I was trying not to stereotype. I was really trying not to stereotype. I was saying what you would be in an alternate reality. If you didn't make such good money, because you make good money. Right. Is it veteran benefits? It's not. It's not better than better benefits. It's a, it's, it's food assistance. EBT. Yeah. Before. Our favorite thing to watch on the Caleb Hammer show. Our second channel. Very popular. Why possibly? This is a hundred thousand dollar household. How much you get an EBT? Like $500. Mm-hmm. Why possibly? How long have you been on EBT? How long have you been on that? Uh, it's been a. Okay, man. About a year. Dude, here's the thing. I have just like the veteran benefit thing. I have no problem really with any benefit. Cause that's what people fall back on. We all might be there. We pay into the system and it's a social safety net. And it is there for us. It is there for our kids. And I am happy that it's happening. Why the is that happening to a six figure household? When I got pregnant, I ended up getting it. So it helps me. Why? You're a six figure household. Okay. 775,000 hour a year household. When you're. First of all. Hold on. You got pregnant two and a half years ago. Well, yeah. You said you've been on it for a year. Well, I wasn't working. When I got pregnant, I wasn't working. Great. He was making money. Yeah, but still not enough. How much were you making? Uh, at the time. At the time I was making. You were making less. You were making like 60. Yeah, I was making like maybe 50 a year. Okay, 50. Now we're starting to get on the edge. But I'm sorry. That was two and a half years ago. Yeah. Where the. What the. This is why the benefits and shit is over 50% of our federal budget. Now the growing, the fastest growing part of our federal budget is interest on the debt. Now interest on the debt alone has passed our defense spending. What the is happening here? Okay, I'm not going to focus on this for the full conversation, obviously, but why the are we still on it? 'Cause we still kind of need it. Yeah. No, you're a six-figure household. Excuse me. Excuse me. No. Well. That's a you not being able to, but. I'm not on his account. I don't even know, like. But he. I took her off the account and since then because. Off an account? What off account? What do you mean off account? So we attempted to have a joint account. Yeah. And whenever we realized that that didn't work, that I cut her off. Well, that's fine. She didn't see what's going on. She started a lack of seeing what's going on with the finances. You get $500 a month in EBT. You spend $300 going out to eat. We're subsidizing you going out to eat. What the we're doing? How is you not being in a joint account equal EBT? Because. Make that work. Make that educate me. Have a little education right into my brain. 'Cause she kept spending money that I didn't approve and that I didn't approve of. Which gets you on EBT. And I guess she started not seeing where that money was going. How long have you guys been together? Five years. Five years? Are you claiming who's in your household? On the EBT? Yeah. It's just, I just had me and the boys on there. That's illegal. You have to claim who's in your household. Ladies and gentlemen, I am confident that 250 years is basically what a country is able to do. Now we need a fresh start. 'Cause we just get too comfy. We get too complacent and we don't give a. I am so absolutely done. Okay, great. Well, we're on that. So let's move on. So what's going on here, guys? Like what the. Like that's honestly, I'm disgusted. I'm very upset and that pisses me off. As someone that has to, honestly, works quite hard. And I know you're thinking, oh, it's just on camera. No, this is like 5% of my job. It does a lot of work, employs a lot of people. Contributes a lot. It has to write a lot of money into taxes. And then we just don't give a shit where it goes and how it's managed. It's wonderful. And the moment you question it, you're a fascist. So thank you. This is wonderful. This is so good. And I'm so glad. What's going on? So I don't think that's your complaint. No. So I think the biggest thing is that I'm tired of the infidelity. Oh my. You guys collected every piece of the infinity stone. A financial. The financial. Bye. Financial infidelity. Why would we call it infidelity? My mind went in a very different direction. Because it's infidelity. So I cut her off from having a joint account, but we still have access to each other's checking accounts. Well, no, you don't have access to mine. You don't even have access. She still has access to my accounts, and she goes in there at times that she feels like she needs a little help, and she pulls out of it without me knowing. You should have pulled out. Probably. So you don't have access to hers, but she has access to yours? Right. I want to make sure I understand that correctly. Why the f*** is that the setup? I don't even know. I think I just never— We attempted a joint account whenever we first got together, and we went to Dallas for a convention, and she took $500 out of my account for supplies that she needed. Supplies? For what? What supplies? I have a small business. Not birth control. I have a small business, and so I used the money to buy the stuff that I needed for— What small business do you have? $25,000 a year, not making any money, contributing to the household in any way whatsoever, and being a leech off the government benefits and taking all my tax money? I dye yarn, and so— Oh, very good. She dyes yarn. Yarn comes in different colors. Yes, it does. Already. No, I don't want the— No? I don't want the acrylic yarn. I want the good yarn. You don't do other people. But it's not good for the environment. Ew, people care. I don't think they do. You're the f***ing person— Are you the person making me go get a lovely iced coffee, and I have to drink out of a paper cup while people are flying private jets all around the country, and this impacts nothing? Oh, no, that's him. Oh, that's you. You're both f***ing— Okay, great. Yeah, the shit that's impacting nothing. Well, we're just literally— People are flying PJs everywhere. Okay, great. Wonderful. So that's bad for the environment, which is why so many people are supporting your business, which is why you're so successful? No, I'm not. No, no. What was that? No. No? I don't know. No what? Yeah, a powder leg. That's going to help her business be successful. So I have a small business, and so we— Oh, it's a big word. It is small, and I started off with 20-20, and it's been great, and I love it, and it's mine. It sure is. I, um— I guess. What? Well, I just assume it doesn't make any money. I mean, I don't want to shit on your dreams. It's like— But you— We wouldn't be in the situation of coming on Financial Auditor. When I asked you your income, you would report income from that. Well, I assume we're not really reporting income in general. Anything I make from it, I put back into the business, so I don't really make anything for the house. Well, no, you took from his account. It's not putting money back into it that you made. You took from his account that he made from having a job, because he contributes to society. Thank you. Yeah, and she, uh, some of the— She says that sometimes that, uh, she puts it back into the business, but there were instances where she had to take out of my account to fund it. Exactly, like on the way to Dallas. Now, is that a one-off occasion, or how frequent is this happening? So— So, the event is annually, and then it's like— Yeah, but this is one event, I mean, throughout the year. But yeah, they have different events throughout the year. For the— So, there's different cities, they have different— This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Responses set up require compatibility and availability varies 18+. Fiber Arts events. And so, that's the ones I was going to. So, it's not the first time that she's taken out of my account. That might have been one of the first instances, one of the big instances of where she took out the account without me knowing. But there's other instances, like even last week, whenever she had to get her hair done, she pulled out of my account because there's just a little gap of funds on her end. Because I didn't have enough money in my account, because she charged me more than I thought she was going to charge me. And so, I took it out. I took it out of your account. Is this you? And I put it in my account. Yes, that's me. You can put it on screen with it all blurred. I don't want to plug anyone's thing. So, you have a website. So, that's… I love being able to shop without seeing what it is. Well, if you keep scrolling, you'll see all of my stuff. You don't want to… So, the item to click to purchase? Well, it's a different website. It goes to a different website, a different link. You have two websites. Yes. That doesn't really make sense. So, I started… In 2020. That's me. I swear. I was just dragged. I was… What? I was doing man duty the other day. So, I took my girl to Michael's. She's into this kind of stuff. Ew, no. Who goes to Michael's? Well, apparently me. I don't go to Michael's. Okay, pretentious f**k who doesn't have any money. I don't like Michael's. They have cheap… You're too poor to afford Michael's. Shut the f**k up. They're cheap yarn. Our EBT is funding your Michael's. The reality is, I… Well, what I was just going to say is, like, I swear I was walking past all of this. So, why would anyone be buying you? I need the Shark Tank crew on, like, standby. Because that tank guy is not machine-made. Machine-made. That's the difference. It's hand-dyed. Who gives a f**k? Well, people… People are doing it to just do… Your community. What community? The fiber arts community. People who knit and crochet and needlepoint and cross-stitch. So, she's making a lot of money then? A lot is a pretty… Is a strong word. Very. Very. What's your perspective on this? There's a lot of time and energy and being… If your concern is that she is taking money out of your account and it's to fund her, let's call it what it is. Oh, hell no. You did not just call it… No, it's not a hobby. It's my business. You sure about that? Oh, please fix that face. After you fix your teeth, tell me your perspective. So, I think it's a little hard. It's, as you said, it's her dream. It's what makes her her. But at the same time, it feels like it takes away from the household financially, emotionally, time. Wow. Okay. You know, it's just a lot of effort into it. And like I said, there's no return on… There's been a very small return on the investment. So, it's like, what are we doing? What are we doing? It's my passion. It's what I always wanted to do. I wanted to be able to teach it too as well. So, I wanted to teach all the different fiber arts, especially the kids, so they can, you know, have that skill. Okay. How many hours a week are you spending on this? On what? The business itself? Yeah. And everything surrounding the business. Maybe like 40 hours. Maybe probably less than that, like 30 hours a week. I want to just, you know, do it. Do a little bit of thinking, thought, and, you know, exercise of using my brain and then my mouth. And what concludes from that is you are choosing to make $25,000 a year. And because you choose that, we have to give you money. When you could choose, instead of doing your hobby, to go actually get a better job. Well, it's hard to get a better job when I don't have… It certainly isn't as many 40 hours a week. I don't even have a BA yet. So, a lot of jobs require you to have a bachelor's degree. I don't have that yet. First of all, not every job. And second of all, the thing is… Yeah, but a lot of them. But the reality is, okay, let's say you're making 25,000 hours a year doing this little teaching assistant thing. That's wonderful. But instead of getting the assistance, you could get the extra 40, 30 hours a week working a second job. Say, fast food. Say, tutoring. Oh, I'm not working in no fast food restaurant. Then why should you… Then why should we give you anything? If you are specifically saying you are too good for a job, why in the… That's not what I said. You just said you're not working fast food. I would never work fast food again. Why? Because it's horrible. Sir, I did it. It wasn't thrilling, but I chose to do it instead of taking benefits. Paying $7.25 an hour is not okay. That's, yeah. Well, okay. Less than 1% of the entire country makes actual federal minimum wage. I'd be surprised if that's what you actually got. But either way… In Louisiana, yeah. They don't get paid that much. Even if they get paid $10 an hour, it still won't cover anything else. It's not much. And I don't even have time to even work a second job. Because you're… Do you not understand this? Does she not understand? Because she spends 40 hours a week on her hobby. Is she allowed to choose a hobby and we give her assistance because of that? That doesn't seem like an economic or social structure that makes sense. It's there for people that struggle, not for there that people that choose to pursue a hobby. I mean, I don't know. And some of that 40 hours does happen during school because she… They just approved her for… They just approved her at the school. They just approved me for a club for fiber arts. So I'm able to also teach these kids, right now, fiber arts at the school. I'm going to pay for it. And there's a lot of outside of the house things that you have to do for that. Again, the expenses of buying the needles, getting the yarn for them, and all the materials for the students. Great. So I'm glad we're funding that. I want to support it. I really do. But at the bottom line, it's hard. It's hard to see it. You have kids to take care of. Right. A household. Yeah. Don't get me wrong. Actually, if you want to make that $25,000 a year and pursue the hobby, I'm not necessarily entirely against that. Because as a whole, you guys make six figures. I'm just against the benefit that comes with it because we shouldn't be funding that. But I'm also against taking from him without his permission when you guys haven't had that conversation. And it's like, I mean, you guys are together. You guys are married. I mean, if I ask him, he says no. You're married. Yes. I was going to give you a benefit of the doubt. I was going to give you a benefit of the doubt that maybe you guys weren't legally married. That's why you're able to do that. No, we're married. I have a little. How long have you guys been married? Three years. Three years. Okay. Let's restart this country. We have failed. We have failed. Okay. This show is going to turn me into an actual libertarian extremist. I really don't want to. I try my very best to actually stay. Like, I lean barely slightly to the right economically, and then I'm decently to the left socially. But I'm really trying not to be sucked into libertarian. But you guys are going to do it. You guys are going to do it. So let's talk about this ring, though, because you brought up. Oh, sure, let's talk about the ring. well my favorite subject couldn't wait that's what i showed up here for please tell me look at it wow that was it it's not even real it's not even a ring but then he could go out and buy if i told him that my finger was getting tarnished because of the ring huh my finger was getting torn like the ring was tarnished yeah why because the ring is cheap but then he spent money to go buy a game system yes ma'am okay you're not gonna make 7.25 it's 10 to 12 dollars in baton rouge is the uh is the average entry-level fast food wage in baton rouge how much is it 10 to 12 an hour okay sure so go yourself now tell me about your okay brandished what what what i deserve a better ring period okay sure maybe get her a ring dude i don't care but she feels like my priorities are messed up because instead of buying a ring i bought myself a handheld gaming system yeah that's probably stupid yeah but why the you're taking money from his account for a failed business it hasn't failed yet bro brother it hasn't made a cent not enough to support the household no but it supports the business my business is still going and it's hard that she takes the money i'm in louisiana it's hard to make money selling yarn in louisiana because it's hot if i was anywhere else i probably would make more money and i'm not there for the money i do it because i love the business okay whatever that's that's not the problem but you keep bringing up this ring thing like why is that a justification in any way for you to tank this household's finances for the sake of your passion because i love the business i get that but why is the ring a justifier i don't give a get a better i don't know dude you guys make money and i had to buy the ring myself okay rip i guess i don't know what do you want what do you want from me and again it's just the the the infidelity of the financial infidelity of going behind my back and and buying these things like buying buying the supply she went behind the back and bought the yarn even though she didn't take it out my account but she still we had a conversation and said you know let's kind of wait on the ring we're in the middle of trying to purchase a house we agreed on that we had a conversation about it so you talked to her we talked to you talk to me and say that you want and we've and and even still we do whenever we do talk about finances the very next day she goes out and buys something something wild any desk lets you remotely access and control another computer from basically anywhere for example instead of spending 45 minutes trying to explain to your dad how to find his browser and how to connect to the computer see what's happening and fix the problem yourself but you're on a free it service and any desk isn't just for rescuing your parents from technology if you work remotely run a business manage multiple computers or do any kind of real it support any desk gives you a simple way to access devices when you're not 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ridiculous when software like any desk exists click the link in the description to check it out i use it all the time to review sensitive guest data remotely that i wouldn't store on my laptop i will literally pay you to help your friends save money and that's crazy this is your one chance to make me your financial sugar daddy so listen up otherwise is now live on your phone and live on the web and the referral games are officially on already a customer open referrals create your username grab your link and start sharing earn up to one thousand five hundred dollars in rewards and 10 referrals unlock exclusive swag finish in the top five and you're guaranteed a trip to austin to meet me plus five hundred dollars towards your debts finish number one and you'll get all of that plus the ten thousand dollar grand prize now remember get twenty percent off the annual plan for seventy nine ninety nine that is literally less than seven hours a month the launch offer and referral games are only up for a limited time after that financial sugar daddy caleb is gone click the link in the description below and get in the game so like i will literally sit down and have conversations i have spreadsheets and powerpoints showing hey look this is what the finances look like we're in the process of buying a house at this particular time and it's like hey look we worked hard to pay to to knock down our debts i paid eight hundred dollars a month to pay your jeep off early like you know like we were paying paying cards off and hey look let's just hold our money because once we buy a house we know we're not getting a brand new house we're going to get something that needs some kind of work on it and i hit that and we had this conversation with powerpoints and everything and how'd you get the house if you hated it but the very next day she bought she comes she had an orthodontist appointment and she was like oh it's just a it's just a consultation i'm not getting anything but then she comes home with the metallics in her mouth saying that she has a seven thousand dollar loan and it's like we're we're in a we're literally talking to to people about buying houses and sending financial information you're just out there doing shit on your own this is a partnership this is a team that's fair for him to be upset about not saying you can't get braces again but it's in the context of the situation one you don't discuss it two you're trying to buy a house we had this conversation about me wanting to get braces the conversation was the conversation was we had a conversation i said i want to get braces the conversation was i want to get braces and i said cool but right now what's more important the how getting getting out of this area that's not good for our us or our children to get into a better place for for our house or braces and then you're obviously your answer to that was braces yeah i got the braces and so and it's like we need to we needed to get out of where we were at but now we're and now we're in a bind with another loan on top of our head well because now and there's extra money coming out there you're not paying for the braces i i realized that but that's still that's that's money that's exiting out the house for for basically something cosmetic versus something that's real that we have going on in the house why would you not at least discuss it though you discussed that you wanted to get braces but why would you not discuss can we get it now well something well when i went to the consultation they were talking we discussed finance and how much one calls so on and so forth and then they said they could do it the same day i said okay fine oh dude come on though you're not bringing anything into the house i'm bringing enough yeah oh i'm not enough a seven thousand dollar loan on a twenty five thousand dollar salary is a ship is an absolute shit percentage oh yeah and again we're trying to trying to get out of where we were living yeah where we live was gunshots and and our our we lived in a duplex and we lived in a duplex where uh our particular neighbor brought rats and and bugs all into the park oh yeah it was they brought rats like they were dirty they were they were dirty they were terrible neighbors like they like they were just they were just nasty like once they moved out the landlord let us you didn't you don't have to buy a house to move you can run we have no we had dogs so we can't yeah we have a lot of dogs we have six dogs what the is wrong with you guys and how many of them are we have two two are are on insurance pit bulls neither of them ew no that is australian shepherds we have australian shepherds that's a crazy amount of dogs guys what are we doing because i mean like that's that's not even good for the dogs that's how we met we met because of my dogs okay so why go ahead and do this while we're trying to buy though that's the thing unilateral decisions in a relationship never leads to anything good i mean i'm sure he does it too and i can yell at him for it but adding opening a new debt as we're trying to get a mortgage is saying i mean i think it's not affecting either because we did the mortgage only in his name not it's not in mine but it's just the money that's exiting the house that is more money that's pulling out into a different location versus something that helps well how'd you guys get a house honestly so we needed a house because one i know why you need it but how'd you get it so fortunately both of our parents knew the situation they saw your parents so they saw that um that we were working working really hard to pay down our debts before we moved into this home uh they saw that we were doing the best that we could for our kids and making sure that he was we was finally able to get them into to a good daycare and everything but is that setting you up for success putting you in a position where you have to like replace roofs and so the decision decision i didn't like the house why would you get a house that she doesn't like your wife and mother of kid exactly so why because all right so we were at the point where we we were like okay our push factor of getting out the house was again the the flat and the bugs and everything like we needed to go i have that part i understand that part we don't want our kids going up where the blocks are going glocking yeah every night we don't need that no okay i do understand that don't rush into a house that the second half of us hates well we looked at the house we looked at different houses we're different with one realtor and it was just a show like i didn't i didn't like it so but then the second time we was looking at houses and that's when we found when we're in now and we had our boxes checked for the most part about the house it wasn't like oh yeah i gotta have this house with this house i was just like it was logic versus emotion like we had all In logic, everything was checked. We were closer to our jobs. It was in a way better neighborhood. There's other houses that will always pop up. Yeah, but I think we were at the point where we were done. We were done. Well, then you got a house you hated. So, I mean, you accepted. It sounds like you were pushing for this. No, I didn't push for it at all. You said you were done. I was done with trying to find a house, but at the same time, that's the house that he said that he wanted. There was no room for anything else, and so we kept arguing about the same thing over and over again, did we get the house or not get the house, and the house needed a roof, we knew the house was going to need an A.C., and it's like, do we buy this house or do we not buy this house? And now he was going back and forth saying, oh, I don't know if I want, you know, it was just. And then in the midst of all of this, she comes home with a $7,000 loan. Yeah, it's not great, but I mean, your parents put. So how did your parents help you? What did they do? They assisted with the down payment. How much did they give? So, for each side, $25,000 each side. What the f**k? Yeah. Good s**t, you guys are lucky. The hard part is, did they help you get into a situation you couldn't afford? I don't f**k with you. Again, you guys make good money now. Because if we didn't have the extra things to happen, we would have been fine, but as soon as we get in, these things started happening, and it was like, well, we have to fix, you know? Now, when you guys moved in, did you put batteries in? They didn't go out yet. It hasn't gone out yet. It's still a new house. We've been there for maybe four months yet. Yeah. Well, this is very new. Yeah, it's very new. We moved in in March. Okay, okay. Well, I'm glad you guys were able to move into a house, and the batteries haven't died yet. But I want to know, in this household, and clearly it's a f**king mess, but how do you guys discuss the finances? So, like I said earlier, I try the PowerPoints, I try hooking it up to the TV. He literally has PowerPoints. There's no need for him. And just to try to drive a point, because I know she's more of a visual person than an explainer. Well, he's trying to meet you at your medium. I try to meet her. And again, it's happened several times where we'll have these conversations, and she'll come home with braces. She'll come home, or the next time we have a conversation, she's coming home with $120 worth of roller skates. She's coming home with this, that, and a third after we have conversations. And so now I'm just at a point where I don't want to give the big presentations anymore. I put it on a whiteboard. On a whiteboard. And I set it up. I have the debt. I have the loan. Where's the whiteboard? In the bedroom. It's in the bedroom. So when you're walking out the room, you can look at it. That's probably, like, come. That's probably. I don't even look at the whiteboard. Well, how do you, so how do you guys, so does she contribute to this? Does she communicate in this method? No. So this isn't working. It's not working. So what happens then? So. Is there any talking of the personal finances? Not lately. Do you try? Do you try? We try. Not lately. Who tries? I feel like I try. We haven't talked lately about our finances. And I say, hey, look, we need A, B, C, or D. And then you're just. And what does she say? What does she do? She just kind of is like, well, if you got it, or if she needs something. Why don't you want to show up and be a part of that? I under, the whiteboard in the bedroom, weird, okay? But why don't you try to show up and be a part of this household financially and talk to them? I am part of the household. You just said you don't. But we don't, I don't look at the whiteboard. You don't need to. But why not talk about the finances? You literally just told me you don't. She talks about it, but she talks about it to other people. Well, I mean. So. Who are you talking to it about? I have a friend named, I talk to. But we just talk about different things. You'll talk to the finances, but not him? I mean, it's just out of frustration. And, you know, we just kind of just talk. Because it's not, there's nobody talking to him. Like he's just, I don't know. Well, okay, fine. Without you interrupting. Without you interrupting or talking, what is the issue when talking to him about the finances? If I ask him for anything, it's always a no. Like there's never any room for like anything. So. So you're only asking about things you want. You're not actually discussing the finances of the household. I mean, the house has been fine the last few months. So I didn't, you know. Last few months? That's not how this works. That's not how everything's been going down has been in the last few months. Your parents gave you down payment money. Come on. And I don't think it's fair for you to talk to this particular person. I don't think it's fair for you to talk to this particular person. That you've only known for two months about the situations and the finances of our household. Oh, this isn't even like an old school friend. No, this is a new person. That must feel a little weird. It is. It is because, you know, she says things to him that I think kind of borderlines on the wrong thing to tell people. Like we haven't, like I'm having issues with my car right now. All right. It's an older car, but she's paid off and I want to keep her alive. But we had a conversation of getting, getting a new car. And this particular person is a salesman at a dealership. So why are you talking to a salesman? But he's not trying to sell me a car though. Oh, bullshit. He will. He's not trying to sell me a car. Oh, there's no way. That's the, that's the salesman dream is to have a friend that needs a car. But he's not trying to sell me a car. I don't think he's trying to sell me a car. A person that you, that you've known for, for two months, tell them about our car situations. It's crazy. Is that better? But we went there for a car because. And then we. You did. You went there for a car. Yeah. I have a friend that works there too. And so we were there because we need to talk about having, getting you a new car. But you just said someone was trying to sell you a car. No, initially, no. Like, no, he was not. He was? Every time. What about his? Every time he said something, it was, no matter what you do, you're going to end up paying the same price. It was. And then, then you even mentioned to him about the, the, the $30,000 that you're going to get. And you talked to him about that before even talking to me about it. We had the conversation. No, I avoided the conversation because I know it's sensitive. The things that your parents are going through, I, I understand. I understand. And I, and if that happened to my parent, it was going on with my parents, that would be a hard conversation to talk about with inheritance and everything. So I've always kind of tiptoed around the conversation. But you're out here blatantly telling him these plans that you have with it before even talking or considering me. I will say, I would feel very weird if my girl was going out there and talking about her more intimate details of our relationship. Yeah. I don't do that. I'm a very open book, but I keep our stuff private, you know? And it's just so hard whenever, because, you know, she was having a conversation and I'm walking around the house. I didn't know that she was actually on the phone, but, you know, I'm taking out the trash and taking care of the boys. And I just hear bits and pieces of conversation. Like I'll walk into a room and her voice, her voice would die down as she's talking on the phone. That's weird, dude. That was a weird one. We're having a conversation. What the f*** are you talking to him about? So he's, he was like in a relationship, like a friendship with one of my friends too. And so. Was? I don't know. I'm not gonna, they got whatever we got going on. That's a, that's a story. That's a complicated conversation. So, but me and him are just, you know, just cordial with friends or whatever like that. He vents about, you know, things that's going on or whatever between him and her. So that's fine. Who cares? Whatever. And then we got on top of other things and the main thing about what's going on with my parents came up. And so we was talking about it. The inheritance thing. Yeah. But it's the, but it's the way that you were talking about it. The what? As you were talking about it, you were, you even told him, like her, her plan that she told him was, I'm gonna have $5,000 I'm gonna put to the side for me. I'm gonna put $5,000 to the side for one boy. I'm gonna put $5,000 to the side for the other child and the other 15. I don't know what I'm gonna do with, but I know I'm gonna spend it how I want to spend it and he's not gonna be happy about it. And I know a vacation's involved. That is not what I said. Oh, that is verbatim. I said $5,000 will go to one, the $5,000 will go to another, $5,000 will go into a house savings account. That you said was for you. No, I did not say that. Oh, yeah, you said that was for you. I said we'll go into a house savings account. That way, if we need it, we have it. And then the rest of the money will go wherever it needs to go. And I said I'll have to take a vacation. And that's what, that's what I said. But you're talking to this whole other guy about these plans with this money, one, before talking about me, and then saying wherever it needs to go. But it's like, I don't want your money. Whatever happens to it, it's yours. And I know, you know, for the situation that it is, cool. But at the same time, it's, I'm not even in consideration of the company or the concept of a plan. The fact that I'm. But that's, I don't even have a real, that's not a whole plan, though. It's just a part of it. I'm not even part of the concept of the plan. So I'm supposed to put you in the plan, too? Like, it's my kids, too. Yeah, but you're talking about going on vacations with the boys without me. Because you're not going to want to go anyway. I would love to go on vacation. No, you would not go on vacation. Because the first thing you're going to say, who's paying for this? How are you going to do this? How are you going to do that? I don't want to have to deal with all that shit. Yeah, but that's life-changing money to where as. It's not that much money. That's how much you used to pay for a down payment, about that much. So it's really not that much money. That's great. But at the end of the day, you wouldn't want to go on vacation. I don't know, because all you're going to do is. You think I don't want to go on vacation, but again, if the money aspect was off the table and we're going places, then I would enjoy going with the boys. But to say that. You're going to complain the entire time. Even still, the concept of the plan doesn't include helping out the household in any way. In any financial impact way. And that's wild. And let's talk to a salesman about this, of all people. Come on. on, man. That is the crazy thing. And why have to hide the conversation from him? That's the weird thing. She said that part loud. She was in the bedroom at this point. And she was like, he's not going to be happy about this. And that's what had me like, I heard that. And that's whenever I started eavesdropping. But then, you went eavesdropping. That's why I said it louder. But then you came to the room after you hung up the phone and you were like, anything you want to talk about? And I was like, no. Have you guys ever considered not screaming while on the phone? I mean, that's just, I talk loud. I can't help it all the time. It's part of her nature. What? I'm just saying. It wasn't, I just, you know, we had the conversation. And then he came in the room. And then he come in the room and he asked all these questions. And I answered them just like I talked to him. I told him the exact same thing. And then he was all in his feelings about it because he was butthurt because I didn't invite him. Because it's Philip. You're talking to a guy that you've known for two months about these intimate details of our relationship. You sent him the screen. You sent him the screenshot of what your sister sent you of what the payouts were going to be. I sent you the exact same screenshot, did I not? But you sent this to a guy that you've known for two months. Because we were going to have a conversation because he was going through something similar on his end. That's why we were talking about it. I kind of want to call this guy in the post show and especially see what you think. I want you to be able to talk to him. That should be good. But I want to get back to another point before we get into the finances because I need to understand this communication more. And without you speaking, okay, so you said he says no about purchases. But besides, that, I want to know in your perspective what's so bad about talking to money with him? What happens that you don't like? I feel like I'm not heard. Like, I just talk and then it's like nothing. What do you talk about? So basically, I feel like he's like, he has like tunnel vision. All he cares about is the household, paying the bills, yada yada yada. That's fine. That's great. That's good. We pay the bills. Cool. But I also want to have our relationship have some kind of like re-spark because I feel like it's dying. Your relationship is dying. What do you mean? Like, we're not, we don't do things. We don't do things. Like, we don't go and, you know, go to the park and have a picnic. Like, I'm not asking you to spend a ton of money. I'm just asking you to spend quality time with us, just us without the kids being involved where it's just us and we hang out and have conversations. How's y'all's romantic life right now? Non-existent. So, that's part of the problem. Not a part to me. Not a part to me. I know I'll be trying. Boy, I flirt. And I try. You flirt. Does she not flirt back? I knock on the door. But she won't let me in. Why? Why does that not happen? Because, well, I'm more of a flirt than what she is. She's kind of more. He's a weird flirt. Like, he's like, he flirts very interestingly. Why? And just does different faces and he dances. Like, I don't mind the dancing and the singing and stuff. Is that mating? He's like doing a mating call. And it's like weird. Does it work? No, obviously not. Then try something else. There was one day, like, I was cleaning the house. The boys were gone. I was cleaning the house and, like, I was sweeping and something. And then, like, one of the songs that's like our song came on and I had the broom in my hand. I just started breaking out into dance and singing and everything. And she just looked at me like I had three heads. Okay, pause. I want to hear from her. What do you want to see? As far as what? Well, you talked about you wanted more time at the park. But in terms of the romantic part and stuff like that, what do you want? Because what he's doing isn't working. So tell me what you want. I want to take initiative and I want him to plan things out. Okay. Like what? Examples, though. Example is whether spending money or not spending money. Say, hey, babe, get up. Let's go out to eat or let's go do something. Get dressed. Wear something nice. So that's what you want. You want him taking you out. I want him taking me out and he plans to make the plans and then he do the things that he knows that I like to do. Do you have to make the plans? I've always made the plans. And every time I make the plans, I either pay for it or I don't. It doesn't really matter. But he doesn't make the initiative to say, hey, let's go dancing tonight. So he doesn't make those initiatives. How often do you guys get a date night? I don't think we've had a date night in a while. We haven't had a date night in I don't know how long. Are you guys still intimate? No. I aim for it. By doing your mating calls? Your mating call does not work. She doesn't want anything expensive or free, but she wants something romantic. And me dancing and playing and being goofy and flirting, she doesn't want that. Okay, well, she just said what she wants. What are your thoughts on that? She wants us to dress out and go somewhere nice, but not free. She wants you to plan. Okay, I'm not. She said picnic at the park. That is basically free. Yeah. But at the same time, it's like, you know, I'm pushing cylinders to make sure that the household and the boys are okay. Like, she wants to go out dancing, but we don't have anybody to take care of the boys. Well, your mom has the toddler. But she can't have him anymore because she's clingy. She doesn't have him as often. You can afford a babysitter. Thank you. I feel like it's very difficult for us to afford a babysitter. Maybe if you're spending all the money on bullshit like you do now, but, like, reappropriate the money. And we're aiming to. Like, I've even meal prepped and started meal prepping for work just to make sure that, you know, I'm not going out to eat for lunch or breakfast anymore. Well, I can appreciate that. I just don't want you guys' marriage to die. What's the point of this whole thing, right? Right. I mean, maybe I could plan more, but. Well, that's what she's saying. She's very picky. She's very picky on what she wants. Even this trip now, he got us in a hotel that had. I was like, do they have roaches in here? Like, what the f***? Like, what are we doing? Here in Austin? Yeah. Yeah. Where'd you guys stay? It's the Comfort Inn. The one that's kind of north of here. I don't know, but that's not where we even tell people to stay. We send people to a nice place. Well, yeah, that's not what he did. So, you send it to the wrong person. Because usually they're pretty good, but this one. No, you're not. This was a definite miss. Again, I'm the one that usually planned everything. He doesn't plan anything. But again, she's very particular, and if she doesn't like something, then it's a bad day. It felt like I was going to see a hooker somewhere. Did you? Well, I don't think so. I was maybe last time. Well, at least he could get laid if you did. Okay. Now you see what I'm going for. The thing is, and she is saying this correctly. I mean, she wants you to plan and put more intentionality into it, and then she's saying she'll let you in. But then there's also. You want to f***. She wants you to plan for what she likes. Do that, and you get what you want. And I think also that if you plan more or we just do more things together, then maybe you'll get laid more. But you're very picky about the things that you want to do. Okay, but I don't. And Baton Rouge is very limited on things like that. Do you know what he said in the pre-interview about sex? What? He said if he ever cheated, it would be for sex because you don't put out. That's what he said. Okay. Well, Tuka played that game. Well, you know, again, I love. I love you, and I love being here with you, you know? Uh-huh. It is a need. You have to do things to do that. So if I plan stuff, you can't be as picky or judge you on the things that I plan. That's fine. I can be open-minded. Because, again, we. So if you want to go. Again, for your birthday, I had planned to take you to the orchestra for your birthday. Like, I planned that because you like the orchestra. Oh. Oh, to the orchestra. Yes. I planned that. Love it. Yeah. Like, that's what he likes. Well, what do you like? What do you like? She likes to dance. She likes line dancing. I like to let her answer. That's my biggest thing. I like to dance. I know he likes comedy clubs, which is fine. No, what do you like? Look, buying another AI tool is the easy part. But what are you actually handing off? What still needs a human? And is it saving your team time or just giving everybody more crap to do? That's the part you need a plan for. And that is why today's video is sponsored by NetSuite. NetSuite Next is the next generation of the business management suite trusted by over 44,000 companies with AI woven into every tool you already rely on. They're servicing you. 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Listen, now you got personal loans that you can get the best rates on forever you want to use it for, whether it's consolidation after you change your behavior or you need to purchase something that gets a good return. And now we got credit building as well. You can shop for the best credit builders that are either free or low cost to you and build that credit. We got debt forgiveness and debt consolidation as well. We got auto loans for your new car that are great rates, or you can refinance your horrible auto loan today. And not only that, now you can shop for the best car insurance out there. The thing is, we are building more and more of these to help you get the best tools and services that you can possibly get online at the best rates. So check it out. Check it out. Check it out. Check those out at CalebHammer.com. All those links are below in the Caleb Hammer Financial Services. Check them out. Save yourself a lot of money. I can dance. I can dance. Anything else? I love live music. Like, that's just my thing. Anything else? Oh, live music? Besides knitting and stuff? You've been picking up skating. So he can only take you to concerts? That's really it? No, I don't have to go to an expensive ass concert. There's live at the 5 in Baton Rouge. We can go there every Friday night. It's free. Like, it's. You can bring the kids. Do that. There you go. I like skating. But it's seasonal, and the last couple times we went in, it ended up raining out. - Okay, yeah, I mean, come on, one time, again. It doesn't support me when it comes to me coaching volleyball. Like, you haven't mentioned any of my games. You need to do stuff that makes money. I'm sorry, but. No, it's for my. I do it for my kids. So, like, you know, I enjoy it. Oh, it's your kids' team? Not my kids' team, no. But for the organization I coach for, them. Like, I enjoy working with them. Okay, girl, you do need to prioritize your family a little bit. I do prioritize my family. Help the community when you can, but you got to put your family first so that you can help the community for the rest of your life. And take her to the f***ing music! Dance a little! You already try at home! Right. This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome? That's new. Check responses, setup required, compatibility and availability varies 18+. Doing it public. Yeah, but at home you say it's weird. It is weird, it is weird, it is weird. What do you guys think your household financial score is today? Zero being the worst, 10 being the best. What do you think? I would say a three. Oh, I was thinking higher, but okay. What are you thinking? This is your perspective. Um, I think we're at a six. Okay. Why? How? I mean, like, we're not like in any major debt. Like, it's not like we're dying. Bro, you paid for one dinner since you guys have gotten married? First of all, isn't it all like. It's low, yeah. So I'm the one that's always. You know she makes no money. Isn't it our money anyway? I'm confused on that. But what the f*** she makes no money? Why aren't you paying for a dinner? A date night? What the f*** is that? Because it's hard. And it's crazy. Again, it's tough to get away whenever we have the boys. Yeah, but when you do, she pays. Yeah. What the f***? Make that make sense. That's insane. Yeah. Because it feels like I'm on all cylinders sending it to. Sending it to the bills and the roof and everything. He doesn't care about it. That's before the roof, though. And before the roof. I'm a tunnel vision person, too. I get it. Be intentional, dude. Yeah, but at the same time, she says she doesn't make any money and she wants me to pay for things, but she gets to go to New York with her friends. And she claims that during this trip, she didn't buy anything. But I mean, come on. You're going to New York. You know? You're buying something. I did buy stuff. I bought you a shirt. And then I bought you a shirt. And I bought you the keychain. You bought shirts. You bought some people some shirts and keychains. Yeah. I bought my sister stuff. I don't know what else y'all spend on food. Yeah, we bought food. We didn't even eat that much. We didn't even go out to eat that much. But we didn't spend that much. We spent that much. All right. If you want your Hammer Financial score, see where you stand in the world of finances. It is free and it's been revamped if you've taken it before. Now it's detailed for each category. So check it out. It's free. It just takes a few minutes at calebhammer.com. And if you don't want to be like a guest who ends up on the show, make sure to download the Dollar Wise budgeting app. It is the perfect and best budgeting app for the average American instead of that overcomplicated bullshit where you fall off after just using it for a couple weeks like YNAB and all that crap. It never even works for you. So check out Dollar Wise. It's a free trial. And if you like it, sign up. Sign up for the annual version. That's what most people do because it saves nearly 50% on your money and you get the physical version of my 30-day meal plan signed by me, mailed directly to you and the digital version of the cookbook. So check that out, guys. DollarWise.com, calebhammer.com. All those links are down below. Okay. So clearly we have a vast disagreement on how the finances work in this household and we'll keep talking about it, but I need to get some numbers on paper to get some context. I have you. Affirm. I have an affirm from you. Mm-hmm. So you don't have access to her accounts. What do you know about this? So with her affirm, I thought she had a lot of money in there. After she came back from New York, since that's what the topic we were on, we came back from doing something out together and she opened up her phone and I saw that she opened up the affirm app. It's like, oh shit. In my head, I'm like, oh shit, you having a firm? I was like, I didn't even know. I didn't even know. And so I looked away and then the next time I was like, I got to look and I peeked. I saw she had $2,000 on there. In my phone. And I was like, yo. He's dropping. We're a couple. We should know what the finances are of the house. That's not, he's dropping. It is that he's dropping. I don't even know his balance on his MX card. But you should. You both should be sitting down and discussing the household finances on a monthly basis. And that's what he tries to do, but you won't because you feel like you're not heard. Why do you think she's not heard? Because I think I have the tunnel vision and I guess I make it my way or the highway. Yep. But at the same time, it's like if we're firing on all cylinders, then why? You know, what room is there for anything else? Again, like we're in the middle of buying a house and you come home with $7,000 worth of braces. Like, you know, I'm saying the words and you're doing the complete opposite anyway. So like, why the fuck would I want to even say anything? Okay. So when you peeked her affirm, did you really see what was on it? Did you see what was spent? Would she tell you? All I saw was $2,000 on it. And I was like, get me out of this car. And I was like, hey, look, that's your situation to deal with. I'm walking away. But is it? She's her wife. I know. But is it? Oh. You know, again, we have the conversations and you're doing what the fuck you want to do anyway. You didn't try to figure out further what was in it? Well, you probably was mad at me after you saw it. I was mad. I didn't talk to her. You probably talked to her for a whole week. Yeah, I didn't talk to her. A week of not talking? Yeah. You did a. What? You did silent treatment for a week? But yeah, no, it's just, you know, we're having the conversations and you're doing what you want anyway. If you're not following the plan and you get yourself in the situation, that's on you. I laid a plan out. Hey, look, this is what we need to do. And if you deviate, hey, you got to find your way back on track. I mean, I paid my portion of my bills, though. Like, I paid part of the. Your portion of your bills? Shouldn't that be the whole portion? The portion of the bills. So I pay the daycare, I pay for my portion of the mortgage, I, um, what's that? I, and, I mean, I pay. The daycare and the mortgage and I think your braces. My braces. Yeah. I need you to pull up your firm. Um, how often does he silent treatment you? Um, after the braces, he silent treated me for like a week. Jesus. But how often? How often? It's pretty often. And anytime I do something that he doesn't like, he basically may ignore me. That is not healthy. Yeah, and but. A week, a week of silence is insane. And it's like, we know we have kids, so like, he'll tell me, oh, you know, someone so need, you know, they need this and that, they're like, diapers or whatever, grab a diaper or grab this or grab that. Yeah, we'll, we'll talk to, we'll talk to you about the necessities. But it's not about, we're not culling in the bed, he turns his back against me, he won't talk to me, it's like, we don't text or nothing the whole day while we're at work, like, nothing. How do, how do we get out of, how, how do you usually exit that? When does it, is it just like a. Kind of, because when I get angry, like, I, I get, I get pissed, like, and I, I internalize it and I, and I hold on to rage, you know? Well, how do you get out of it? It, it, I just get out of it. I don't know, it's like you said, it's kind of like a, a switch flick and it's like, all right, let's, let's move on, you know? That's, that's what I have right now. What were you purchasing? Let's see. Okay, lots of Amazon, lots of Amazon. TikTok shop. Academy Sports. Amazon, Amazon. Think, pull out your Amazon for me. Oh, gosh, okay. Okay, so, uh, if installment loans at this point, we have $414, I'm just going to divide it by four, call it a hundred a month, but, I mean, Affirm is a little difficult for us to calculate it on this show. How are you possibly at 19% battery? Because I didn't charge my phone last night. What is wrong with you? I left my, my charger at home. Okay, in the cart, we have an Amazon. Essentials dress. We have a drop proof case for a Samsung Galaxy Tab. And don't you already have a case? Stainless steel hat organizer. Did you make a, you can make those. I can make what? A hat organizer. No, I just put that in there. I was just looking at stuff. Yeah, but it's in your fucking cart, dude. I'm not, I'm not, I'm not purchasing it, though. Female torso mannequin she has. I bought that for my business. Club chair, two club chairs. No, it's not the cover, it's not the chair. You're getting a cover for chairs? Yes, because my neighbor gave me her old chairs and put it in my, in one of the bedrooms, in one of the rooms. And then I used that to cover it up because it was hideous. So I just cover it up. It is only black women that cover their chairs. I've never really experienced this in any other, like, person. I'm just glad she didn't get the plastic. I know, that's what I was expecting. But it is literally. It's just the cover. And I turned the one of the rooms to a sitting room. That's why I have that. Okay, you got organized. Okay, so she likes to, they're like technically like productive stuff that she gets, but it's always these little projects around the house. I can tell. Because you do not need this rectangular heavy duty thing to put all your mops and shit in. You don't need that. The heavy duty cat tree. That was new for the house. That was for the house. Yeah, but you can justify everything. You got an eight piece recliner and another recliner. No, no, that's the cover for the. You went your covers again. You can justify everything. Tour suit car registration holder. Like, most people don't have that. I mean, I thought it was something. You can justify everything, but you're spending money you don't have. Baby bed rail guard. That might be the actual owner. Exactly. That might be the only thing. He's an escape artist. He is escape artist. Dude, your Capital One Platinum. Is it a hundred percent? Hundred and seven percent utilization. Did you know that? No, a hundred and seven. Hundred and seven. She's over the limit by seven percent. Like, what the fuck are we doing? Exactly. But you're over the limit. Probably all for yarn and bullshit. And actually, it wasn't for the yarn. I don't know what I spent on it, obviously. It probably was food and gas. Then pull it the fuck up. It was probably. Pull it up. It was probably gas or something. What was the problem? Let's find out. It's probably. Minimum's like 25, I'm guessing. It's probably all the snowballs that you get. No, I used cash for that. You wouldn't even show the producer that. Okay, so the balance is different on here now, but there you go. Okay, jeez. No, it's gone up. 347. For some reason, I paid it, and then it. - Put the money back in my account. - Well, it probably bothers you because you didn't have enough money in your checking account. - I had enough money in my checking account. - Yeah, return, yeah, return. No, you didn't. No, you didn't. No, you didn't. - Well, I don't know how. - Because you didn't have enough in your freaking checking account. - 'Cause you spent the $60 on your hair. - Saz, Nitz, Nitz, GoDaddy, $50 on GoDaddy. What the did you spend $50 on GoDaddy? - My website. - $50 on GoDaddy? - Well, it went down now. - I do GoDaddy, it ain't $50. Then a past due fee. That's what you're married to. Yes, there's some gas, but then Shoney's of Knoxville. - Oh, that's- - Oh, Knoxville. - We went to New York. - Where you going to New York? - We went to New York and we came back in. - Oh, I didn't spend much money. - Ice cream and gold star and photos and photos, Megan. - That's not what's in New York. - Is that all going to New York? - That's in New York. - It doesn't matter when you're maxing out a credit card where you were when you did it. Why is being on vacation a justification for up your finances? - That was for my New York trip. - How is that a justification? Why does that make it okay? It doesn't is the answer. It doesn't. - And that comes from not spending anything in New York. Come on, man. Come on, man. - Yeah, you did say you didn't spend anything. Like, what the? That was a lot of spending on bullshit. What are we doing? - Yeah. - You, Indigo, you're halfway to the limit. - I didn't know about these until about two weeks ago. - When you're getting ready for the show? - No, actually she went out with some friends. She had a summer bash going back with her friends to a point where she got drunk and I ended up going through her pants just to make sure that she had everything. - Her what? - Her pants. - Going through her pants? - Yeah. She was at a friend's house. She was blacked out drunk and she was hot so she took her pants off at her friend's house. And this is a female friend. You know, this is one of her best friends so it's fine. - Like women don't eat box. Go on. - Right. And she, and I was just making sure she had everything and I'm going through her pants and it just falls, and something falls out and I see a receipt. I was like, okay, there's a receipt for something. What is this? And I pick it up and it's an Indigo card. I was like, what is this? And she, she didn't respond at first. And then I was like, baby, what is this? And she's like, oh, it's a credit card. It was like, you got it. When would you, when the hell did you get this? - Talk about anything. So if you didn't get blacked out drunk, he would have never found out. - Well, probably not. - Nope. I would not have known. - I didn't tell him. - I would not have known. - I just don't want to hear your mouth about stuff. Where's my dirt thing? - How do you feel about the trust in this relationship? - Like I said, it's hard. It's the financial infidelity to doing stuff. - It actually really is. Like I would have a severe lack of trust. - It's very, it's very, very hard. And like I said, even last week, whenever she took the money out of my account to get her hair done, it's like, yo, like, what are we, what are we doing? It was like, you're able to get your hair. - I'm getting my hair done. - No, don't even say it. 'Cause you should not to get your hair done. You should not to get a haircut. - Because we got the other stuff going on around the house. We got these loans that we need to pay off. I don't want to spend money on cutting my hair. That's why I have you and you and our oldest cut my hair. Because I don't want to spend the money on it. He did good with his grades. I bought him clippers because he came home with, he passed his math test. I got him the clippers for it because that's what he said he wanted. He made his goal. Now let's use them. - I wish I did have black people hair. I really do. 'Cause I'm looking at you and you have a receding hairline, yet you still look cool. Like white people can't do that. - I gotta hide it. - You look great. No, but you look good. White people can't have a receding hairline and look good. But somehow you look good. - But he's not fully black, but yeah. - Huh? - Nothing. - Listen, on here, we're having fees and interest accrue. You're getting snowballs. - I've seen interest already. - I've been behind on it. It was never 0% interest. - Behind on it? - I thought I was gonna get behind on this part. - Yeah. - Come on, man. - Yeah, snowballs, restaurant, some kind of store, some bullshit store, 971. We blacked it out. - We blacked it out for privacy, but what the are we doing? Like what the are we possibly doing, dude? $180 in fees this year and $132 in interest. - Dude, you only opened up a few months ago. - Just on this car. Yeah, absolutely. And it's credit protection fees and a monthly fee. It's just fees, fees, fees, fees. - Jesus. - And it's at 36% interest. That's the worst you can ever get. Like that's horrendous. I don't see interest rates above that. You're killing this man over here. - That's high, dude. - I mean, I need, I don't know. - 36%, man, that's insane. Yeah, I would've, if you would've talked to me about it, I would've told you not to get this and you would've been mad and you probably would've done it anyway. - I probably would've. I don't even know what to do. - Come on, man. She has a second Indigo. - There's another one? - Dude, what are we doing? Come on, man. - You're gonna get the silent treatment for a long time after this one. - It's gonna be a month this time, huh? - Dude, two Indigos. Is it a third? - What's going on? - It's going through your head. - That's insane. 36% interest is wild. - It's maxed out, $447.99. Minimum monthly payment, 80 bucks on this one. No, I think it's usually 40, but you probably have a late fee, right? - I probably have a late fee. - She's late. With the late fee added, with the credit protection fee added, with the monthly fee added, $46 in fees in one single month with interest happening. What did she do? She did get gas, but then she bought something at Best Buy, and then she bought something at Best Buy. - Best Buy. - Buying at Best Buy, $110. $49.49. - Oh, I think I bought- - $44.19. - I think I bought my teenager headphones. - Why? - And I bought her headphones. - On a card that's accruing interest when you can't afford shit. Why? I was like, there were two purchases. - Yeah, we bought headphones, 'cause my headphones, I couldn't find mine, and I needed another pair of headphones. And then I bought my teenager headphones. - And knowing him, if you had to buy one for you, you had to want to buy one for him. But again, see, I lost my headphones too, and I'm not using them. - You're using them once I find them. - I use your spare. - I use your spare. - Yeah, 'cause I end up finding them after I bought the second pair. - Ew. - Now they're 36% interest rate. - Dude, that's crazy. - Shit ton of money. Just shit ton of money being accrued, interest, and everything. - I mean, just, I seen how you guys communicate and everything, and there is more to go through, but I wanna know, I mean, there's kids in this house. With the silent treatment and everything, with the kids in the house, what is life like at this household? - It's chaotic. With the six dogs, the cat, and then the two kids, it's very chaotic. It's very chaotic, and when we had our last conversation, it got really bad, well, it was really bad. - So typically now, since we started doing the whiteboard method, we'll have sit down conversations when things are kind of pent up and we need to talk. - Well, you said last time it got really bad. What happened? - So we were sitting down across from each other, and I confronted her about her friend. I was like, look, I know we had the conversation earlier, but just following up, I don't appreciate what happened and talking to certain people about things that they don't need to know about. And we started getting a little bit excited, and around that time-- - Excited? - A little excited. - What's exciting? What does that look like? - So at first, we started increasing our volume a little bit, started talking a little bit more boldly, and that's whenever the teenager came out. - He yelled, he yelled. - Oh, he's 15. - We're all at the table. - Yeah, the teenager came out. - No, he's not, we're at the table. - Yeah, but well, he came out 'cause he needed to eat, but our volume was getting loud, but he stuck around because he heard our conversation, which is fine. We want him to see how conversations kind of work and how adults manage to get through these things. And so she said some bullshit line talking about, I'm on the game system and I don't help around the house. And I'm like, and I got super excited. I jumped out my chair. - By excited, you mean you were screaming and you got up. - I was like, yo, that's bullshit. Like, don't sit up here and sit up here and lie to me like that. And whenever, whenever I got up, our son was, was like, was like, hey, don't talk to my mom like that. Don't talk to my mom like that. And we're still trying to have a conversation to move past me getting excited. But he kept chirping in and I just needed him to be quiet. Like she kept breaking eye contact with me, saying, go to your room. I need you to go to your room. Hey, sit down, we got this. But she kept breaking. - I literally had to get up and like tell him to leave. - And it got to a point to where it was like, I just need him to be quiet. And my instinct just came in. I just kind of just grabbed him. And once I realized I grabbed him, I was like, whoa, all right, all right, hold on. But yeah, I grabbed him just so he can be quiet. And it got to a point where like, we were, we were like grabbing each other by the collar. She had to walk in between us and was like, hey, look, let's calm down. - Fighting with a 15 year old. We're getting physical. - And it's not even the first time. - Oh, how often does this happen? How often are we blowing up in the house? - I mean, they've gotten into disagreements several times. - They've gotten into disagreements several times, but I think that's one of the first times outside of disciplinary action, this is where, where it happened. - The discipline. - So, you know, you know, just discipline. - Bringing out the belt? - Yeah. - Yeah. - No. - Yeah. - Yeah. - No, you don't. - Yeah, why not? - The belt? - Yeah, why? - We still do belts in 2026? - Yes. - Don't know how to make him stop. - Have you ever tried beating his ass? - That's a, I don't do, I don't, what is it called? I don't do gentle parenting. - No, I'm not, I don't do gentle parenting either, but the belt is rough. - No, it's not. - Well, the belt, - The belt is whippy. - Is needed. - Is needed. - That particular time it was, it was, it was deserved and he knew that, that it was time. - No, is a belt ever deserved? - Oh yeah. - Yeah, belt. - When you run outside the neighborhood and you tell everybody that, that I, that I put my hands on you because he was talking back for doing his homework. - And then you whip him. - And he went outside and he told the whole neighborhood, again, this was whenever he was living in the hood and they had people outside with guns that's like, hey, look, I could take care of him if you want to. - I don't know if I like belts, but I guess I'm not a parent, I don't know. I feel like we've moved beyond belt as a society. I am not for gentle parenting, not even close. - No. banking like i'm good with but actually like whipping with an object yeah there's a bit that particular time it was like he put it he put his hands on his mom and everything so i get that that's bad i get that it was bad and we don't gentle parent that but absolutely not but i mean outside of outside of you know that that's probably like one of the first times where i actually put my hands on them but i had to i had to this house it blows up in this house and then you have all this stress on you guys aren't romantic together and all these things and the two-year-olds growing up in this we don't want this to be the environment the two-year-olds growing up we don't want them to learn that this is how you react naturally no but uh but but again you don't belt the two-year-old no no but when when does when does someone become belt worthy whenever they're they're making conscious decisions that are that are stupid huh preschool grade school like first grade five years old yeah is belt worthy i mean it depends on what they're doing but i mean if it's something simple i could smack him on his hand but like you know belt is usually when you're doing the worst of the worst it's not like you know minor stuff yeah we're not belting you for for taking the last rice crispy or something out the out the pantry i thought like everyone moved beyond belting it's i'm kind of like a little shocked to hear defending of belt really i didn't i didn't know being not belting was a thing it's just a culture difference not like gentle parenting yeah i hate that shit i hate ipad kids don't get me wrong i'm not trying to yeah we don't have we don't do ipad kids right now that's good but like belting i thought we all moved yeah but i mean right now it just seems like there's no real middle ground like what is the middle ground for belting well that's a grounding and taking away items that kids like right you don't say no please no hey let's talk about it that feels like that feels a little gentle though grounding take taking away yeah being ground like staring at a corner you're not a teenager you're not a teenager you're not a teenager you're not a teenager like i mean i learned my lesson when i was ground for a literal summer and i just sit in my room yeah that shit sucked trust me i wasn't gentle but i wasn't beaten yeah okay it's a very strong whipping with an object i mean it's better than a switch huh never mind it's a culture throwing a switch at them what's a what's a what's what is it what's a switch okay so so so like our previous generation whenever we were going up in a generation before they'll make you go outside and basically grab a branch off of a tree you pick you pick your weapon that you that you're going to get hit with what the are we doing here guys we're not on the plantation anymore well we're not doing that to our kids yeah we're not doing that we're not doing it anymore not the switch with the belt yes when necessary they don't have to choose their weapon my teenager is taller than me so i mean it's kind of hard to get with a belt nowadays i'm being told i'm being very white but i think i'm also just being kind of northern hey probably i know the south is usually a couple decades behind most things usually yeah i'm being told i'm being very white but i think i'm also just being kind of okay uh she has a credit one i would say that's bad i'd say that's belt worthy i think so you can beat your kids you can beat your wife uh this episode is brought to you by google chrome you think you know a browser but gemini and chrome that's new it can help you with practically anything on the web like restoring a vintage motorcycle from a 50 page restoration block or finally break down that long article you've had open for weeks gemini and chrome is here for it ready to make anything online make sense there's no place like chrome check responses set up required compatibility and availability varies 18 plus $132.26 on here oh there are purchases what's she getting well first there's an express payment fee i don't even know what that is the artist loft oh the artist this has to be knitting shit it's for my business your business on a credit one card a credit one is the worst credit card you can get no actually indigo might that was my rent whenever i rent to what the rent on the credit card what rent yeah so i have a my business the the secondary one i guess and then i put it it's inside of a market and it's the artist loft and so i pay them every month for the booth to sell my yarn what are we doing you're putting on a product one card that you can't pay that is an interest and then i paid it back obviously you can't afford to do this business now you you're supposed to be the good one from this conversation it's like you're the good one why the one you owe $8,773.67 on a blue cash preferred american express credit card that was because we um we whenever we moved into the house we then did not think about all the extra things that we needed to buy for the house that's what getting a house is that's why so many people are getting houses well we moved maybe about 30 45 minutes away from the house and whenever we were moving the mattresses they got rained on so we had to get mattresses um we had to get all new kitchens uh uh supplies we're gonna get a refrigerator even a refrigerator we didn't even think about stuff like shower rods and shower curtains and and uh shower heads it's all bull buddy this isn't shower heads maybe amazon is but then we have an apple bill then we're stopping in and getting some then we have netflix i don't even know that huh i don't know this that much it's this much in an apple bill in an apple bill in subway in disney plus amazon amazon or walmart that might be for the house walmart might be for the house but then raisin canes that was that was i don't even like raisin canes amazon chick-fil-a amazon home depot probably for the house the market well you went and got some that's really cheap maybe for the house maybe for the house bar and grill waffle house that was the time when we went out sammy's bar and grill that was the one time you paid for something so oh i mean marriage well done gamer subs oh we appreciate that you don't have to pay for this one i highly recommend the liquid assets caleb hammer flavor but listen yeah i mean you know make your energy drinks at home 40 cents a serving with my discount code caleb gets you 10 off link in the description below you can also get free samples figure out what flavors you like with code caleb and then you get your gamer subs it is literally 40 cents a serving lots in here because it just takes small scoop no more stopping and getting some free energy drinks no more energy drinks oh we have it go get it you oh it's it there's caffeine oh you can have a caffeine version there so here's an actual you're the first guest that gets a liquid asset congratulations it's so new that everyone's been buying them it's been hard for even us to get but check it out gamer subs amazing thank you so the introductory rate expires uh last month oh great okay well there we go that's it and 28.74 percent interest rate hey now and then this is why even with the down payment down on a house it's like then you're still you're not ready because i have a roof thing yes a roof you bought a house and had to get a roof we knew about the roof we knew about the why didn't you make the sellers pay for it it's a buyer market that's the conversation that we had and we just cannot team yeah the whole station i think we should the bet on that one uh oh yeah it's at a thirteen percent interest rate oh yeah yeah yeah it's at a thirteen percent interest rate oh yeah yeah yeah so they was trying to get us to raise our price on the the asking price for the house and they're going to pay for the roof it's a fire's market if you guys weren't rushing into a house you could have spent some time you could have walked away you could have done what was necessary now you have a thirteen percent loan eight thousand one hundred thirty four dollars and seventeen cents on a roof a roof come on what's your minimum payment looks like 169. uh 2015. dollars okay oh so this is the the roof right or is this the second roof loan and then you had to pay for ac yeah guys a house is a disaster if you don't do it right and you're proving it you're proving it yeah my goodness guys it wasn't perfect though yeah but i told you check the boxes of having to buy a roof and ac you sure the did now you have a 13 interest rate $1,213.10 with a $306.32 minimum payment. No shit. He has a whiteboard with all this shit. I'd be stressing. He got into a household. Yeah. And then he had everything up. Right, right. That was a bit of a house nightmare. How long were you without AC? You don't even like this house. I don't. Why don't you like this house that you guys are on? I didn't like it. I didn't get the feeling of, oh, this is the house. When you get married or whatever and you're trying to find that perfect dress, that, oh, that's the dress. I didn't get that with the house. I didn't get the, oh, I love this house. What did you like about it? I didn't like the kitchen, for one. The floor was uneven. Uneven floor? You bought the house? Yeah. I mean, I like that it had a nice-sized yard and things like that, but I hate the master bathroom, the layout. It just was not the it house for me, like at all. She didn't have the feeling, but logistically, all the boxes were checked. I had the big yard for the dogs. I had a good neighborhood for the kids. But that's it. But nothing else, like as far as living there, was good. You already have $43,800, $46,000 in student loans. Yeah. And you make $25,000 a year. How much more school is left? So I get my, I finish my associates in December. Associates? And you have almost $50,000. What are we doing? Everyone does school so wrong in this country. Hey, when you decide you actually want a career, I'll get you a course career certification, both of you. It's in trades or accounting or tech, anything. People in the audience have used them to get six-figure careers or raises all the time. These course career certifications are incredible. you get them for free by being a guest congratulations i'll also personally this isn't even a plug that one was a plug for the audience because like you should get it but even without that this isn't even a plug this is just a new thing we started doing this week i worked with my own personal therapist on a lot of my own personal growth and finally after we've accomplished some major milestones i'm like dude you should just help the guests and the audience can't get them we keep them anonymous but i'll pay for you guys to go to therapy with him okay okay and yes it applies to your state that's the only reason i've done him and not the other people is because he has license in all these states so okay we call him dr d you guys will go to him or you don't have to but you should because he's good and you guys can't communicate we're shit yeah can we actually go this time we can go because we why wouldn't you last time you're the one complaining about the marriage issues we didn't well what are you talking about whenever after born i sent you to a therapist because you're doing all kinds of crazy stuff with the baby and we and i said i was going through postpartum depression to go to what was she doing with the baby oh man so she so previously she worked at a daycare when she left the daycare she was at home whenever she was at home she was getting overwhelmed with them and so then she took she dropped our baby off to a person that she met on facebook that was a uh at home daycare center it wasn't an at-home daycare center she's a babysitter and i needed a break you don't help me at much time we're at home and then i have to do whatever everything else in the house like i was just tired i needed a break so yes i found somebody that i felt like i was gonna do interview with and i decided you know i trusted or whatever and then i was okay can you watch him twice a week that way i can have my time to have a break having a baby is a lot i was going through postpartum depression it is a lot but you just dropped off with a random facebook come on no i i made a post or whatever like people that i'm you know in different groups or whatever not even on an app that does its own verification and shit it was a babysitter not a daycare facility i don't trust it i don't trust it see who she was because the daycare the daycare that he was at i didn't like the daycare they had tvs everywhere you left the daycare and then and the daycare is is part of the the contribution for you to the house but when you leave and you don't have that that contribution to add to the house to to to send him to daycare it's like we just can't do it you can't but sending him i had a week and i went i got a job but but but still it only takes a day for that baby to be gone this got big he threatened to divorce you if you ever did this again yes i did like that that was and did she do the therapy she went to therapy for two sessions i'll pay for two sessions i didn't like the therapist though like she was just a yes person she was a yes person okay then maybe maybe that is bad mine's not mine's someone who tells me to shut the fuck up and then i'm a piece of shit when i'm being so this person will keep her accountable yes good because there's no i hate enablement therapy there are enablement therapists out there yeah she wasn't and i didn't even know that i didn't know that until till a couple of weeks ago but it's like yo it's like you can't just drop this child off to to any joe bloke off of facebook like that i agree that's nuts and that threatened for divorce i mean that's a big thing and luckily she she ended up getting this job that she's currently at and she's been there for the rest of the time so i was like all right well over a year i'm guessing your student loans are you don't have to pay on them right now no not right now but we also are in a bind with student loans because once she finishes her associate's she wants to go for the bachelors oh okay yeah we'll circle back but we have two hundred two thousand dollars obviously in the mortgage now what's nice is likely because of the down payment you do have like a forty thousand dollar equity position maybe thirty five thousand the minimum to payment is one thousand five hundred ninety seven totally fine with your guys's income situation but again you guys rushed in that led to the ac in the roof right interest rate under six percent so i'm chilling for now if if you're able to get it for like two percent less than that that's when i'm okay with the refinance but not unless you can get at least two percent you're not going to be able to get the rest of the money you're going to be able to get the rest of the money you're going to be able to get the rest of the money you're going to be able to get the rest of the money uh savings went to zero uh i'm only 200 but it went to zero so that that's my that's my that's my budget for me for the week for the you know whenever i get paid up yeah just uh well just to take it away from from everything else that needs to be spent so that's like the gas your chicken account started with five dollars even worse hundred eight dollars ending uh okay well this is oh here it is okay great here we go here we go that's my checking account yeah you got some and you got some you went to a restaurant and you got some and chick-fil-a and a firm a firm twin peaks you're going to the titty show not even him you're going to that one's without me a firm that's what i call my friends surge entertainment that's what i call my friends surge entertainment sounds like a strip club sounds like a strip club sounds like a strip club no that's that was for his job yeah that no that's that was for his job yeah that no that's that was for his job yeah that was a company beauty was a company beauty was a company beauty cafe hobby lobby cafe hobby lobby cafe hobby lobby actually just all over me earlier actually just all over me earlier actually just all over me earlier melton michaels maybe i went to happy melton michaels maybe i went to happy melton michaels maybe i went to happy lobby i don't know they're the same to lobby i don't know they're the same to lobby i don't know they're the same to me you think i know what i'm doing i'm me you think i know what i'm doing i'm me you think i know what i'm doing i'm walking around there pushing like lost walking around there pushing like lost walking around there pushing like lost in wonderland not knowing what's in wonderland not knowing what's in wonderland not knowing what's happening happening happening i went there to get fabric though oh i went there to get fabric though oh i went there to get fabric though oh did you did you you just criticized me did you did you you just criticized me did you did you you just criticized me for that earlier go yourself beauty for that earlier go yourself beauty for that earlier go yourself beauty cafe yeah hobby lobby ramen cafe yeah hobby lobby ramen cafe yeah hobby lobby ramen fc fc fc old navy lush oh lush is the biggest old navy lush oh lush is the biggest old navy lush oh lush is the biggest waste of money there is it's wonderful waste of money there is it's wonderful waste of money there is it's wonderful out of all places in this world out of all places in this world out of all places in this world something that is double the price of something that is double the price of something that is double the price of what it needs to be what it needs to be what it needs to be because lush is a fun thing it's a fun because lush is a fun thing it's a fun because lush is a fun thing it's a fun it is fun but it's it is fun but it's it is fun but it's i would like to point out that all i would like to point out that all i would like to point out that all these restaurants that she went to i was these restaurants that she went to i was these restaurants that she went to i was not involved in not involved in not involved in well you would have saved it anyway well you would have saved it anyway well you would have saved it anyway i don't spend money to to to help her in i don't spend money to to to help her in i don't spend money to to to help her in any kind of way any kind of way any kind of way her car basically needed a brand new her car basically needed a brand new her car basically needed a brand new cooling system it overheated on her and cooling system it overheated on her and cooling system it overheated on her and exploded new radiator new new cooling exploded new radiator new new cooling exploded new radiator new new cooling fans fans fans and i i pulled that out the the savings and i i pulled that out the the savings and i i pulled that out the the savings to help with her to help with her to help with her and i still get fussed after not doing and i still get fussed after not doing and i still get fussed after not doing it thanks to help out around it thanks to help out around it thanks to help out around okay okay okay isn't that nice of him sure he took from isn't that nice of him sure he took from isn't that nice of him sure he took from his yeah he took from oh my god and he his yeah he took from oh my god and he his yeah he took from oh my god and he helped pay for my car i mean he helped pay for my car i mean he helped pay for my car i mean he 11 000 roth ira 2600 11 000 roth ira 2600 11 000 roth ira 2600 and then and then and then i think this is a 401k of like 6500 i think this is a 401k of like 6500 i think this is a 401k of like 6500 another one of 5 000 so definitely dramatically behind per our age but I'm glad we do have something we have about that's all the same account I think they were one is like vested and the other is what it's supposed to be what do you have in retirement? I think in this particular one total total total total total 22 okay and nothing I don't know how much I have I know I put money in my account whenever for my job so they take it out yeah whenever she started this job she started contributing I put in 8% but she can't see what the value is okay income for the house okay 440 I'm not going to include food stamps because you guys should get off that because you don't like why the are we funding you? I want to you're making me like an evil person that wants to cut everything and I need to just remind myself there are people that actually need it $100 $25 $40 $40 $30 $175 $47 because everything here was literally your choice you own a house guys you know how privileged you are from a family too debt monthly payments not including the mortgage $931.79 what's your and then mortgage is $1,597 and 5 cents what is our gas electric trash utilities all that internet total altogether $254 for electric about $80 for water phone is about $250 $250 okay $250 for a phone okay what's internet $80 okay $410 utilities gas is about $80 is that room room drive driver utility gas okay so that's going to be $490 for utilities $250 for phones I would definitely switch to something like helium I recommend helium because it's $15 a line I had to get a new phone you have to pay off your phone though before you do it but it's great service everywhere and there's lots of benefits and incentives so I would check out helium but pay off your phone first we shouldn't be in phone debt it's stupid room room drive drive gas how much I think I spend about $75 a month yeah I'm not the same okay $150 car insurance how much $200 necessary food we should be able to do this how this episode is brought to you by google chrome you think you know a browser but gemini and chrome that's new it can help you with practically anything on the web like restoring a vintage motorcycle from a 50 page restoration blog or finally break down that long article you've had open for weeks gemini and chrome is here for it ready to make anything online make sense there's no place like chrome check responses set up required compatibility and availability various 18 plus let's hit about 800 we're meal prepping we're meal planning we're cooking and we're warming up mostly well someone does I don't care but we're warming up food we're meal prepping meal planning we should be able to do 800 tp fun anything else needed to survive for you and the kids with school supplies and everything I'll do 350 you know this is hair this is that kind of stuff every month it is like it is 350 but what is in it is different because we're bulk buying we're doing all this stuff medical health care their co-pays on a monthly basis uh i have a co-pay of 80 um we do have medicines once a month yes okay um the medicines for our oldest i mean that's maybe like 20 bucks okay anything else round it up and i get health care with my job already so i won't pay anything for that no co-pays though 100 bucks is there a gym yes i have 50 and you have minus 25 so 75 subscriptions especially you know with the young kid and i will try to do 100 and you have that many pets and only two are on pet insurance why only two because we had more but we had the other ones on insurance too but we had to take them off she was covering i was so so what is it six six six 300 bucks how much for pet food and supplies and shit on a monthly basis uh yeah 250 250 okay well every even with the insurance that we have is 300 i'm sorry huh with the the two on the pet insurance plus dog food is 300 well i'm doing 300 for pet insurance and 250 for pet food okay gotcha so 200 for pet food yeah okay anything else that needs to be in this budget that i have not taken in account daycare how much 800 a month well actually just went up so it's close to 900 a month 900 okay yep daycare sucks it is what it is that's why you need to go make more money if you're kids in daycare then it's like make it worth it i don't care if you enjoy what you do i need you to be able to pay for bills and right now we can't yeah literally basic minimum to survival and reminder you guys literally are spending money on bullshit but literally basic to survival i will do the math one more time just to make sure i don't f**k it up i don't think i did yeah and this is i mean we have to we just can't do pet insurance for now for some of them but you need to get it on there because your whole financial situation will get worse if there's an emergency but yeah right now you guys are underwater by 143.84 jesus that's if you fully insure them the way you should now taking them off that still only gives you guys an extra 150 bucks a month or so yeah left over and that okay breaks us even let's just do uh um um minusing the mortgage and minusing the current balance of the student loans which will only go up with your 150 dollars we are paying off our debt in 260 months or 21 years okay most of this is you uh so the reality is yeah and that's brutal the ac and shit yeah the reality is you're not going to be able to pay for your student loans you're not going to pay for your student loans you just need to i'm sorry the hobby i want you to continue if you can but you need to go double your income and that's working a second job it really is i don't have the time okay then i'm done that's it that's yeah because the only way to do this is she needs to make more money and if she's not willing to then there's no conversation i'm not willing so i'm listening you're not doing the 40 hours a week on your hobby and you're quitting your main job well shit well yeah because summers and shit in the summers at the very least you're working you're you're working fast food or something or tutoring come on you have the tutor abilities and that's what the goal was supposed to be during the summer but that didn't happen what you're living with what you want instead of doing what you need one of you hey if she's not willing to do anything you need to take care of the house and that means you're working a second job which i don't think you should be the one doing it but hey if she's not willing to step up then you have to if you're just going to be an entitled brat then that's it then he needs to step up and that really sucks then that really sucks but hey that's what you guys chose to do hey maybe go through bankruptcy but you haven't changed your behavior at least paying off the debt will change your behavior of what you need to do teach you how to budget all the good stuff you guys need to combine finances again yes yeah go through your finances on a multiple month basis holding each other accountable and we're not acting like brats we're not acting like spoiled people we're not acting like we're putting our lives over the lives of our children that's what you have to do going forward you're budgeting together all the finances go into one joint account and you track your spending through there as well we're paying off the cards small so large just if you can change your behavior for three months i'll allow bankruptcy but even still you really shouldn't have to you should just go earn money via a job that pays that's where we're at guys but unfortunately i have something that throws a wrench in this entire system that is hidden that you don't even know about and you don't even potentially know about that she thinks she found our producer thinks she found so we're going to go into that in the post show but that's what you guys have to do communicate combine and go make some money or you have to work a second job because a thousand hours a month needs to go to the debt to pay it off in two years then a fully funded emergency fund then 50 30 20 will get you to a healthy place 50 on needs 30 on wants 20 to a retirement but only after paying off the bad debt not student loans not mortgage and only after saving up a six-month emergency let's get the hammer financial score get yours for free at calebhammer.com spending in a budget will you be able to afford it if you don't have the money to pay it off in two years you overspend dramatically zero out of ten let's see you spent last month oh yeah you spent five hundred dollars more than you made uh debt no collections but i mean it's brutal especially with yours and over the balance of shit can't be good so combined one out of ten emergency fund you do have three thousand two hundred that can knock out some of the debts but i think we should hold it until we change our behavior and then throw two thousand of it towards the debts maybe maybe a thousand um but emergency for fun for now i'll give it two out of ten retirement definitely behind but at least you have something but i think we should hold it until we change our behavior if we combine we're going to be at about a two out of ten real estate you do have that you have an equity position i do like to see that payment is affordable for you guys but you got some of the debts you owe on the ac you owe on the roof that's not great that's going to at least bring you to a six out of ten gotta pay those off okay hammer financial score it is going to be a 2.5 out of 10 get yours at calebhammer.com it is free now join us for the post show where we're going to reveal this thing and it's it might throw a wrench in the whole situation we're going to see and it's groundbreaking information to them we also have a video where we're going to show you how to have three premium shows every single day six days a week incredible shows you trust me you want to join that's why there's 110 110 000 monthly active members click the join button or the link below or download the hammer elite app or go to hammer elite.com all options incredible options for an incredible membership i'll see you there so this wasn't on your credit report you didn't tell the producer but this was a 66 payment to a loan a loan that we couldn't figure out what the was it what is that i only use it when i need it and it's usually when you need it don't tell me it's not possible she's cash advancing oh not in the stopping at the i just launched the brand new hammer elite app available on every major platform so you can watch every show anywhere you want you'll get three exclusive dedicated shows every single day monday through saturday refer a friend after you sign up and you get an additional 30 days of hammer elite access for free download the hammer elite app by using the link in the membership you'll ever join and that's a promise i want you to be on the next episode of financial audit right here in austin texas if you think you have interesting finances with an interesting personality or a story or a life or relationship i will personally pay you to take time off of work fly you down to austin get you personal transportation a hotel food and we'll have a great time hanging out go to calebhammer.com apply or click that link in the description below tammy regularly hauls stuff to her kids at college that's why she shops at bj's wholesale club saving up to 25 percent off grocery store prices beef jerky microwave meals laundry pods even they can't screw up have you met my kids and with bj's gas she gets there for less they call me the road warrior this is your home road warrior mom home of the save join for just twenty dollars at bjs.com slash mesquite and save 10 cents per gallon for six months open soon limited time offer new members only bj's home of the save