$160,000 Of Weed Debt | Financial Audit

I got a $122,000 inheritance check. >> So then which we like blew and. >> a year and a half on what? >> We were spending at least $1,000 a week. on bud. >> $1,000 a week on weed. >> I thought that I had told him about. everything that I like all of my debt. That's not my fault. He didn't remember. >> Why has no one considered leaving? >> Has anyone considered leaving? >> I have in the past. >> So the answer is leave her. She's a. complete failure. She's a up. She's. done. DOLLAR WISE IS FINALLY HERE, sending. waves through the personal finance.

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>> I'm Alexis. I'm 24. >> I'm Drake. I'm 23. We live in San. Antonio. >> And this is Financial Audit. >> Thanks for coming up to Austin, guys. Nice to meet you. Listen, Alexis, you're. right in front of me right now. >> Mhm. >> So, I'll start with you. What do you do. in San Antonio for a living? Cheapest. major city in Texas, so income could. stretch further. >> Yeah. I mean, everyone hates it. Continue. Go on. What do you know about. that? >> I work at a smoke shop. A head shop. >> Yeah. I'm about to quit, too.

>> Okay. For a better job. >> You'd think so, wouldn't you? >> I don't know yet. Uh, >> she's got no plan. >> I have no plan. >> And I've told her since she's got the. job to keep looking at other jobs. >> I wanted to ask your income situation, but. >> Oh, yikes. Um, horrid. I have enough money to pay for. groceries and that's about it. Oh, >> he's ask he's asking you like how much. you make. Oh, 12 an hour. That one went. right over my head. >> So, >> we're in for a struggle. Here we go.

Okay. What hits your account per. paycheck cycle. per paycheck? What hits your account? Let's just try that. Actually, >> anywhere between like 350 and 450. depending on how many hours I work. >> So, yeah, her her job is. >> Okay. Yeah. Why don't you you talk for. her cuz she she doesn't know what the. she's saying. her. She's So, she's. supposed to be part-time at her job, Smoke Shop. But they were. >> Sounds like she is with that pay, >> but they're working her full-time. And. >> with that pay is fulltime, $384 or. whatever. >> Yeah. She actually works more than 40.

hours some week, but they stop the. clock. >> Is that a weekly pay? >> Yes. >> Yes. And they stop the clock at 40 hours. on their books, but she'll work more. than 40. And they don't pay her the time. and a half. >> Talk to a proono employment lawyer. They. probably want to make some money. Sue. them. >> I don't know how all that works. I. didn't know that was a lawyer. >> But lawyers are expensive. >> Proona. Proono. >> They would take a look at it, assess it. >> Is it really worth it though when it's. not that much?

>> Maybe. I don't know. Because you. actually might have an employment case. of not just back pay, but potential even. worse. >> It's true. I guess. I don't. >> I mean, I don't really know. That's what. a lawyer is for. But okay. How many. hours a week are you working on top of. that 40 that you're not being paid for? Um, I usually average between like 35. and 45. There's only. >> Okay. So, sounds like she's not always. above that 40, but that 45, you're not. being paid for the five. >> I'm getting paid, just not time and a. half like it's supposed to. >> It's under the table cash. >> It's under the Yeah. >> Well, under the table cash is also not.

being tax. I mean, it's supposed to be, but you're not paying tax on it. So, I. guess it at least actually makes up for. it relatively. You're not getting paid. 50%. So, not 100%. But, >> yeah. >> Okay. Is the whole thing under the. table? Not the whole check. >> I What's this under the table? They're. like here's some cash. >> Well, they just don't want to pay the. time and a half. Huh? >> They don't want to pay the time and a. half. >> No. What is You said under the table. I. am quantifying what the that means. >> Cash. >> Cash. >> That's what I asked. And then you. answered something completely different.

So, they just give you cash once a week. >> If I like work more than 40 hours, then. yeah, I get whatever extra I'm supposed. to get in cash. >> And have you brought this up? >> No. >> I told her to. If you haven't advocated. for yourself, then I'm all of a sudden. not giving a [ __ ]. Advocate for yourself. How long has this been happening? >> Uh since like Januaryish. Like we there's a bunch of employees.

>> Over a couple months. Okay. Very good. Okay. I don't give a [ __ ] about what. you're going to say. I'm talking to her. Sorry. I'm just I'm I'm not trying to. come out of the gate as a dick. You just. keep jumping in, man. It's like, "Dude, I'm trying to talk to your woman right. now." Listen, I mean, the dude is fear. like his biggest fear in the world is. being cucked. Like, before I even met. him, he was just blabbing around the. office. I hope no one here steals my. girl today. >> Okay. No, I just know y'all are a bunch. of gooners. >> Bunch of gooners. But we don't just swim. in one without their consent. Two, um,

taking them from men. >> I've heard Brandon's I've heard. Brandon's comment where if if it's not. married, you know, that's that's what he. said. >> So, you guys are not married? Not yet. >> Not yet. >> We are engaged. >> Congratulations. When are we getting. married? How long have we been engaged? >> Uh, we're getting married in June and. then we've been engaged. >> years. >> Two years. >> Two years. >> Two years. And get What the Okay. How. long have you guys been together? >> Six years. >> Six years. >> Okay. So, how long is this job going to. last before you quit? Am I even putting.

the income on paper? Does it matter? after since they banned all of the THCA. band. I went through that with the. nicotine ban and I don't want to deal. with that with people through the THCA. ban. So, at the end of the month, people. are mean. The amount of people that. yelled. >> in retail. I mean, that unfortunately. happens. I obviously don't advocate for. it, but unfortunately, that is the. reality of the situation. >> Um, okay. So, whatever this law is goes. in effect at 3:31. I don't I I honestly. don't even know what it is. I'm not in. that world of destroying my brain,

>> but. okay. So, you don't want to deal with. it. So, you're going to go from income. to no income, even if it is a shitty. situation. >> I don't want her to by the end of the. month. >> I keep telling her she needs to have a. job before she leaves. >> Okay. So, what are the conversations. surrounding this then? Obviously, there. is a big divide here. So, just give it. to me then. Obviously, this is what you. want to talk about. So tell me what the. >> She wants to quit like all the time and. I keep telling her to have another job. first. I'm okay with her quitting. >> Like she's quitting by the end of the. month which by the way uh is in one.

week. >> Yeah. >> Less then. >> So go on. >> Well, I just She has to have another job. cuz right now we can't make it unless. she has some kind of income. >> I was going to. go back to like doing Door Dash and. stuff until I find something else. Uh, I. have a friend that his wife is able to. get me in on potentially in on her. company. >> Potentially in on her company within. five days. Okay. No. No. Okay. >> Until June. So, I'd have to figure it. out until then. >> What are you talking about? Okay. What.

is figured out until then? >> He says he needs to have a job. WHAT IS. THE WHAT HAPPENS in the conversation? That's what I've been asking guys. He. says he wants you to get a job. What the. happens in this conversation? it. He. tells me to start looking and then I. look and then it kind of just. >> she half asses looks though, >> huh? >> She halfass looks. >> Yeah, >> she doesn't really like she'll like kind. of scroll. >> Look, but like nothing is hiring right. now. >> I have applied at. >> I mean that's not 100% true. It's not a. great job market, but nothing is hiring. No, >> she spent 3 years looking for a job for.

a while. >> I doubt I did. >> because are always saying nothing was. hiring. >> I'm looking. Oh, when was that? >> Few years ago. >> Okay. Okay. Well, that's when literally. everyone was hiring in the best. employment market we've had in the. history of the United States. So, off. with that. So, that excuse no longer. holds water. >> So many. >> Nobody is hiring you because your resume. sucks or your interview skills suck or. your skills actually suck or you're bad. at working and now you can only sell. drugs to druggies. That's all you're capable of doing. Or. driving in a car, which is what pretty. much every immigrant does when they come.

to San Antonio. So, that's pretty much. where you are. >> Unfortunately. Yeah, she did. She. >> unfortunately. So, you recognize you're. 100% of the problem. You don't you don't. even have an alternative opinion to. this. Very good. So, the answer is leave. her. She's a complete failure. She's the. up. She's done. >> I mean, that's it, right? I mean, I'm. sorry. I mean, you conclude. You didn't. stick up for anything. You didn't try to. advocate for any kind of position or. opinion. You're just like, "Nope, I. suck. I'm the problem." Good. She's. done. She is not willing to work on it. for the past few years. That's it. End. the relationship. Why the would you stay.

with that? I don't understand. like at. least if she had an argument, even if it. was wrong, at least there's some some. kind of perspective to be had. But she. doesn't. She's just like, "No, I'm a. failure. I'm okay with it." How would. you ever want to stay with someone like. that? >> Well, to be fair, the the last job she. had before this one um was a computer. She was working from home on the. computer and. >> working from home on computer. >> Everything's computer. >> That's beautiful. Wow. >> Yes. But dogs, I was living with my. friend at the time. Our dog and his dog. got into a fight. They're both pit.

bulls. She tried to stop it and now she. her hands got torn up. Her hands and her. arms got torn up. >> It wasn't They both like severe nerve. damage in both of my hands. You can like. see all the scars. >> That's after scar surgery, too. >> Good for me. >> I'm fine. >> What the is the issue? >> I mean, I guess for the few months after. that, right, she couldn't type. So, she. was on some kind of not medical leave. >> What's the point here? >> Medical break. And that's when she. >> Does that have to do with her hire? Not. saying no one's hiring for 2 to 3 years.

No, not really. >> So, what the was the point of that? What. was the cope? Just because you're. attracted to her and you like her. doesn't mean she's going to be a good. person in this relationship. I correct. me if I'm wrong here, but we brought up. the problem. The problem that you are. having and her entire thing was like, yes, I do suck and I am a loser and I. don't care. >> Well, she did finally get. >> I don't care. It's I struggle finding I. don't know what I want to do in life. I. want to find a career, but like I don't. want to [ __ ] out. That's not my problem.

It's not his problem. That's your. problem. Be an adult. Step the up and. deal with it. What do you want from me? I don't know what I want to DO IN LIFE. THEN take an appointment quiz. TALK THE. AI. DO SOMETHING. LIKE, what the am I supposed to do? Like, that's not a problem that can be. solved by someone else. You're just. going to cry about it forever that you. don't know what you want to do. Like, I'm sorry. I'm probably coming across as. a dick, but like what point? Like what's. the what's the alternative? Oh, okay. Well, I'm sorry to hear that. Yeah. And. then what? You never do anything ever?

It's like what? No. FIGURE IT THE OUT. AND I also don't care. It's an income. If you can't figure it out, you still. need to get an income. I don't really. give a [ __ ] I'll get you a course. career certification and something you. want. Well, if you can actually figure. out what you want. People in the. audience have converted those into six. figure jobs, but you actually got to. figure out what the you want. >> We've had these conversations and it. just doesn't go anywhere. Just like. this. She doesn't know what she wants to. do. She wants to go back to school, but. she has no but she has no idea where she. wants to go back to school. >> Why would you even go back to school? That doesn't even necessarily matter. >> I don't believe in like college and all.

that. >> You don't believe in college. That. doesn't make sense either. >> No, not unless you actually need it, right? All these people spend money. thousands of dollars, go to college, and. don't do anything with. >> Exactly. >> Sure. But on average, people with. degrees earn double lifetime earnings. >> Not necessarily. >> Well, no. On average, the overall. statistic is those with a degree, not. necessarily. you. Not necessarily. The. statistic is double lifetime earnings. >> Didn't uh didn't someone I couldn't. remember. Someone famous said that. someone famous generation of.

millionaires are going to be plumbers, HVAC, and electricians. None of those. people need degrees. >> Yeah. And Abraham Lincoln said, "Nigga, >> so I don't care what your famous person. said. How do I even know if what that. famous person said is real or not?". Like, what what did he say? What did he. say? >> That the next generation of millionaires. are going to be plumbers, electricians, and HVAC. the trades, right? >> Sure. Yeah. No, they're going to do. spend thousands of dollars and that's. all everyone can do. All of a sudden. that happens, the pay for that demand. goes down because the demand is lower.

because there's a lot of people in the. job market. If everyone did that, the. pay wouldn't be as good. >> I'm just I'm just saying I don't agree. you should go to spend thousands of. dollars on college unless you're going. to go be a doctor or engineer and. actually use that degree. >> That's how that works. Teachers do well. with their degree. Market. degrees now, right? You need a like a. bachelor's degree to go to any school to. be a teacher. To be a librarian, you. need a master's degree. >> There's a lot of degrees that make. sense. I'm not saying go get an art. degree or music degree, but there's a. lot of degrees that make sense.

>> Okay. But going to college with no. purpose doesn't make sense. >> Sure. There you go. Once you push the. goalpost all the way to the other side. of the earth, yes, I agree with you. >> But your I don't agree with college at. the beginning is. >> not everybody needs college and a lot of. people waste money going to college. The. famous person was Jensen. >> from Nvidia. >> Did you look it up? >> I didn't. >> That's my quant. >> You're what? >> The magic man in the computer. Did. >> you love him? >> I want to at least go to college to get. my basics. And. >> why do you need your basics if you're.

not going to convert that into a degree. that has a return on investment? >> Hopefully at that point I'd be able to. figure out what I want to do and then. continue on to. >> You're 24 and you've never figured out. anything ever and you literally just sit. and your only complaint is I can't. figure it out. In my defense, I thought. I would have offed myself by now, >> but I obviously. >> How nice. That's only what every other. guest says on this show. So that's such. a [ __ ] thing. Such a Jenzi. Shut the. [ __ ] up. Just shut up. Okay, Boogie298. Like, what? Shut up. It's That's not a.

reality that was ever probably likely. considered. I don't even want to hear. it. Don't even say that. Is seriously. 30% of all guests are saying that these. days. I don't even need to think about. it. I wasn't even worried about I didn't. even think I'd be alive. Shut the [ __ ]. up. Shut the [ __ ] up. Grow up and do. something. Take a second and think and. advocate for yourself. What a dumbass. [ __ ] Stupid point you have. You. have no maturity in life and you refuse. to do anything, especially even for your. fiance. It's kind of gross.

>> I do a lot. >> Step up. >> I do a lot. I take care of everything at. home. >> The dogs, the groceries. I cook dinner. every single night of the week. >> So, do you just want to be a trad wife? That would be fun, but we can't quite. afford that. >> Okay. What's your job? >> What's your job, Jake? Drake, >> I'm an HVAC technician. >> Oh, I wonder where that big opinion came. from earlier. >> Like that the labor demand is so tight. That is why your pay is high. >> Enjoy it. >> Also did plumbing before this. >> Congratulations.

>> What do you make? >> Uh 4,000 a month salary. Uh plus some commissions. >> How much commission? cuz that isn't like. the big ego stroke. >> Uh, it really just depends, right? HVAC. could be slow during the winter. >> Average month, [ __ ]. >> I guess average. 1,500 to 2,000. >> a month. >> A month. >> Okay. So, what hits your account a. month? >> Uh, on average. >> on average, I guess a little over. five,500.

>> Okay. I mean, you can do a household in. San Antonio on that. So, you could tread. wife it. And I know from what we have is. she desperately wants to get pregnant. pregnant and become a milk ASAP. >> But I guess you guys don't agree on this. kid thing at all. You guys don't even. join on finances. Can't even have. conversations about money without her. shutting down. >> Yeah, slightly. >> And he won't even stick it in you as far. as I know. Right. >> Work can be stressful sometimes. >> Work can be stressful sometimes when I'm. also the service manager.

>> Ah, okay. That would. >> So you want to get babies put in you. He's not really putting it in you. And. life is stressful. You can't even. talking about money. He shuts down the. financial conversations. You can't even. answer questions to save your life. What. the is going on? Why are we even. together if we don't agree on literally. pretty much anything and things aren't. even healthy here? >> Um cuz I love her. She's hot. >> God damn. Is. >> that what you want to hear? >> We not necessarily. >> You're not bad looking. >> Like to think that's not my best or my.

only quality, but. >> okay. I'd want to be more than just. pretty. >> Okay, says the wannabe tried wife. >> And I that's why I made her get a job. because after the whole computer thing, sorry. I uh I gave her some time to be. stay at home and I was making some money. and but I would come home, the house. wasn't clean, dishes were stacking up in. the sink. >> Why aren't you doing [ __ ]. >> Pure laziness at that point, honestly. Uh that seems to be the reality. currently with you getting another job. or being responsible in any way or two.

years when you were looking for a job. and no one's hiring even though everyone. was hiring anyone. >> I was doing like Door Dash in that time. period. So it wasn't like. >> Well, that's not. 3 hours of it. >> per per day if that. >> Yeah. Well, she was doing something she. was only staying home. >> I'd leave at like anywhere between like. 9 and 11 and then I'd come home at like. 4:35ish. >> Okay. How are you guys able to have this. lifestyle that you want? When in the. interview again before this when you. weren't there, he's saying, "Oh my.

goodness, it is so annoying how she's. constantly asking for everything." And. then you said independently, "It's so. annoying how he's always saying no for. everything I'm asking for.". >> That's cuz she has a bad habit in like 5. minutes bringing up 10 different things. we can spend money on. And Ed's stressed. out with everything else. We got to. spend I got to pay bills. We have a. wedding coming up. I have absolutely. zero money saved up for, you know, we. don't have all the extra money to be. blowing on rent. She wants a goat, a. house, a car, anything and everything. She'll she'll ask for it.

>> I mean, I have a note that you think. she's the entire problem for y'all's. financial situation. >> Well, she does spend a lot. >> I know nothing about the finances. If I. knew more, I. >> Why don't you clue her in? >> I don't know. I just. >> What are you hiding the finances? >> No, I'm not hiding any That's a. relatively decent argument. I have a bad. habit of asking people for help or I. just do everything myself cuz I know. >> she just wants to look. Dude, what the. [ __ ] are you talking about? Help you. You're not asking for help. It's like. she doesn't know what's going on in the. finances. So, she just slice. >> Well, she she kind of does. She does.

know. She knows. car insurance. She knows the rent. She. just doesn't know exactly like I guess. when it gets paid. But she does cuz I I. have my money numbers. >> I know how much the car payment is and I. know how much rent is. Knowing how much. a payment is is different than knowing. how much money is coming in, where it. is, and. >> yeah, we don't sit down or ever have. conversations. >> Okay. Well, she's advocating for that. >> Yeah. >> She's saying her spending is bad, but. she doesn't even know her spending's. bad. >> I like I'm severely severely self-aware.

that my spending is bad. It's. >> then why do you do it? >> Great question. >> That is a great question. Honestly, my. entire life, everything has always just. been handed to me. And it is a very. horrible grow up. That's the entire. point of this conversation so far for. you. Stop being a literal child. >> She went from she went from living with. her parents to living with me and I. started paying all the. >> There was no transition period. >> No. >> No. You. >> guys are still children? >> Yeah. No. Uh we when we started like I.

moved out of my parents house. I never. I've never lived on my own. I've never. had to like take care of all of the. bills and everything on my own. And so. like I am very ignorant whenever it does. come to that because everything. >> How ignorant are you? when you sent in. statements for the show, you guys got. into a massive fight the moment he saw. your statements. >> I didn't realize she was. >> tell me exactly what happened with that. >> Cuz she told me, "Oh, I'm going to get. groceries on my I'm going to open up a. credit card and I know her spending, so. I kind of urged her not to." And she was. like, "Well, I'm going to do it. I'm now.

that I have a job, I'll use it to get. groceries and then I'll pay it off every. month and just use it to build my. credit." Well, I guess that happened one. time and she never paid it off. And I. didn't realize that. I didn't know. And. when we were sending in statements, she. was like, "Yeah, this is maxed out. because I never paid it.". >> Yeah. >> Same thing with her cash app. I didn't. know her cash app borrow was maxed out. either. >> I thought getting a credit card would be. a good idea. I thought that I would be. responsible and pay it off. Unfortunately, I have a like I don't.

like to pay it off. I want the money. >> You don't like to pay it off. >> It's not that I don't like to. It's I. don't want to spend the money. Yes. I. don't want to spend the money because. then it's not in my account and then I. can't spend it on other things. >> And this is what you want to be with. >> That's why we're here. I want to get it. changed. >> Especially before we get married and. combine finances. >> I need to pay it off. It's in my brain. that I need to pay it off and I know I. do. >> Okay. So, you're incapable of. everything. You can't look for a job. You can't pay off a card. You You can't.

figure out what you want to do. You. can't figure out even what class to. take. you can't do anything and your. only excuse is I can't do it. Like what. the I I don't know how to work with. that. I someone like you is just a they. think because people in this like Tik. Tok generation of [ __ ] Gen Z. crybaby, you know, moral [ __ ]. they accept you saying my boundary is. not having to think about that. It's. like no [ __ ] your boundary. I don't give. a about your boundary. Your boundary.

doesn't all of a sudden entitle you to. be a [ __ ] like like this is your. enablement no longer you not thinking is. youing up your life but what am I going. to do with that I can't do anything I. don't give a and I have no sympathy for. it you're just choosing not to and. you're falling back on that excuse that. other people have allowed for you to. excuse your behavior grow up. >> it's I'm I know that there's like I know. I need a new like I need a new job and I. need to find something before I quit I. like I like I'm too comfortable with not.

like my job is easy. I don't have to do. much and so I like I'm too comfortable. >> My job is easy. That's why I'm quitting. >> I'm quitting because I like I'm not. getting I'm not making the amount of. money that I need to be making. >> And you haven't asked them once. You. haven't even literally brought it up in. a singular conversation. >> I was told something about the. management position and then ever since. then. >> I don't care. You haven't brought up. your pay. >> at all. >> I mean, not once.

>> 12 an hour. >> I don't care. You have No, you're you. haven't brought up your pay to them one. time. >> Oh, yeah. No, >> stop bleeding out money making minimum. payments across multiple highinterest. accounts. Most Americans are spending. hundreds, sometimes thousands of dollars. that could be going toward actually. paying down debt instead of lining some. bank's pockets. And look, if you're. sitting on high interest credit card. debt, a car loan at 18%, or oh my. goodness, a payday loan charging you.

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just like you for people just like you. No private equity, no gimmicks, just the. best budgeting app there is. Download it. now. Start the free trial. Wise.com. Link in the description below. >> If you're incapable of doing that, it's. not even conversation. Just bring it up. a conversation. At least drop it as a. nugget. Bro, you're incapable of doing. anything. How you wake up every day, I. don't even know. You're incapable of. anything. Are you not hearing that yet? And that's what you want to be with? I.

am so confused on that. I could never. handle that in my life. She can't do. anything. Anything? >> She did get to retire me for a few. months when she got her dead uncle. check. >> Yeah, I got a $122,000 inheritance. check. So then which we like blew in a year and. a half. >> Eight months. A year and a half on what? >> No, it was about a six. It was LIKE. EIGHT MONTHS. >> I WHAT? >> A school bus that. >> we decided to chase his dream. >> Your dreams a school bus. You You.

>> It was his dream. >> It's pretty cool. >> That was not my dream. >> And. >> And we converted it into a mobile home. >> and. >> for 120,000. >> No, that was only maybe 40,000. She. thinks it's 60. I say 30. So, we meet in. the middle and say it's about 45. >> What? How does that even work? How about. you just do the math? >> We did and I was only like 35,000 that. we spent. >> I feel like it was more. >> No, cuz we sat down and did the math. >> I don't care. >> Besides the point. Yeah. >> Oh my. And where' the rest of it go?

>> I did quit working for 6 months. >> What? What? >> I was building the school. I was. building it out. So, the plan was. >> Well, that was your job was building out. a school bus. Oh, you suck. >> Oh, you suck equally now. Buddy, no one would survive off. $120,000. >> No. As we learned, it went pretty quick. >> You thought you would make it to death. $120,000. Then how can you take time off. of work? Cuz that just needs to sit. there. Needs to grow. You just lost. millions of dollars if you put that in. the marketplace over the course of your.

life in compound growth. Millions lost. >> Yeah. It's a big regret. >> And what's Uhhuh. And what's the. situation of the school bus? Uh, right. now it's parked in our backyard, but. it's making us passive income, I guess, cuz my brother lives in it and I charge. him $450 a month to live in it. >> Why don't you sell it? >> I don't want to sell it. >> I don't care. >> Cuz I want to take trips in it. >> when. >> the plan was to travel and live like the. van life. >> Yeah, but how can you? You guys don't. make money. >> And now HVAC like you're it's not a.

>> It's not easy to drive. >> No, it's exactly. But I'll have during. the winter it slows down a little bit. I'll be able to. take some nice winter trips. >> And her. >> she works part time. She can probably. get off. >> Except she doesn't. >> Yeah, >> it's like mostly fulltime lately. >> What the are you talking about, dude? Sell this [ __ ]. >> No, I don't want to. >> Get the money. Pay off the debt. >> No. If I sold it, I would be buying. another bus and doing it again. Great.

process. And the rest of the check just. went to literally living because you. guys wanted to sit on your ass for. >> living and drugs. >> Smoked a lot of weed. >> We were spending at least $1,000 a week. on bud and. >> $1,000 a week on weed. >> Yeah. For like a solid. >> Yeah. >> You guys are losers, man. You guys are. losers. When was. >> down? This was 2023, >> bro. You guys were like 20. >> 2022. Yeah.

>> 20 21. You guys are. >> Yeah, we weren't the brightest. >> Did anyone have any advice? >> Uh, >> did anyone talk to you guys? >> Actually, my dad. >> His dad said it was a great idea. My dad. said we were stupid. >> Yeah, >> your dad's right. What the [ __ ] is wrong. with your dad? >> My dad's a hippie as well. >> Uh, does hippie doesn't mean poor? >> Yeah. Yeah, he kind of is. >> Oh, he is. Doesn't mean you have to be. poor, though. >> Yeah. >> Yeah. Yeah. He kind of pushed me into.

getting the bus cuz I've always I've. always dreamed about it for a while. Um. I always wanted to do it when I was. younger and then you know we had the. money and we were looking at buses. talking about it and he kind of pushed. us into doing it. >> We get swayed into things relatively. easy. I wanted a house andor a new car. >> A house. You want to buy a house? >> That's what I wanted to do with the. check and it was. >> that would have made sense. At least. that's an asset relatively. >> A bus is an asset too. >> Sure. You say at the high end 45,000 of. the 120 went to that.

>> So at least with 120 put in a house, you. couldn't touch it. >> Yeah. >> I mean, it's something to live in if we. ever are homeless. So it isn't a house. >> Why would you ever be homeless? How. about don't up? >> That's the plan. >> Uh-huh. So sell it then. This is so. stupid. >> Well, it's still an RV basically. I can. use it to travel. >> Okay. Are you guys ever going to get. joint though? So that we both have eyes. on the money as a full picture. We're. about to enter marriage in June. I feel. like that's after marriage thing. >> maybe. But are you are you even going to. do joint? >> If she can control her spending a little.

bit. >> Well, can you control it? >> I want to. I just never have. >> If the card's not in my purse or not. around me, then that the money. >> Well, again, you're incapable of doing. anything. Someone else would have to do. it for you. >> The guy I'm in. >> Why are you marrying a literal child? This is a joke. This is pathetic, guys. You were not headed in the right. direction. She was literally she's she's. already considering starting an OAF to. sell her feet that look like children's. feet. >> We've talked about it.

>> Got to do what you got to do for a. paycheck. >> Or just work. Why is the woman's only. excuse in 2026? >> I know, right? >> Is to Yeah, that's your potential wife. >> No, that's why I talked her out of it. >> There was We never really consider. >> Can you talk her out of it? What do you. mean you never really considered it? You. were considering it. It was a like last. resort. Not. >> you're about to quit your job and not. have a paycheck until training starts in. June.

>> Last resort becomes real quick. >> Wait. Okay. Whip them out. Put it on the. table. Let's see what we're working. with. >> My feet. >> Yeah. >> For free. >> Yeah. >> No. My toes aren't done. >> Do them. Whip them out. See if these are. worth payables. >> Not really a feet guy, but let's find. out. Chat, would you pay for these? >> Don't. No. That's weird. >> Let us know if it's good money. I mean, we might have to start it. >> Don't look at the bottom of my feet. That's. >> okay. They just look like feet. I mean,

I'm a little confused. >> They're small. They look like child's. feet. I have tiny. >> Do people even know proportions via. picture? >> Maybe. >> cuz you if you put it next to like a. banana. >> A weirdo is going to be a weirdo. >> A weirdo is going to be a weirdo. They'll ask for you to like piss on your. feet. Yes. But I don't know about like. >> Oh god. if it's for children, >> you know. >> Yeah. I I always told her I'll pick up. some side jobs or do what I have to do. before we start doing that. >> because she again is incapable of. anything. >> I can do things. >> What? >> Whenever.

>> What have you done? What the have you. done? Cuz in this conversation, I. haven't heard [ __ ]. >> I had $122,000 check. >> Yeah. Your uncle died. That's what you. accomplished. >> No. Yikes. That sounds horrid. >> That's it, right? Yeah. that you weren't capable of. managing it. >> Very true. I you know. >> so what the are you capable of? You said. I can do things. Give me an example. >> You can't even sign up for a course at a. community college. You're broke. >> I have looked into them. I have. >> Well, good. She's She's looked. She.

googled something. >> I don't know what I like. It goes back. to I don't know what I want to do. >> Okay. Take an assessment, have. conversations, look things up, read a. book. That's your fault, your problem. Figure it the out. You might not have a. perfect situation, but you will at least. lean towards something that you would. want to do more than something else. >> I told her always if she doesn't know, she could start getting into like. scheduling and phone calls and customer. service to help me whenever I want to. start a business. >> Oh, for sake. Oh my goodness. This will. be the biggest business failure in the.

history of the world. >> He's already had a business failure. >> Yes. I'm not surprised. What was it? >> I helped a buddy of mine start an HVAC. company. Uh-huh. >> It was actually pretty successful. >> Oh, yeah. >> Yes. >> Uh-huh. >> A year. A year and a half, we hit our. million dollar mark. >> Wow. And. >> And his dad was our silent investor who. helped us get started. Not very silent. >> Um, and started pulling a lot of money. away from the bank account before it was. scheduled to start him receiving his. payments.

>> Probably his money. >> That's the way he saw it. But those. that's his money was register. >> Is that the way he was legally saw it? >> No, because legally he wasn't supposed. to start getting paid yet. >> Did you guys sue him? Uh that was. between him and his dad and I kind of. everything. >> What what percentage did you own it? >> See that was the other thing right the. talk I always 10% of the business 10% of. the business but whenever I ask people. like you get things on paperwork. I. don't get it. >> I don't know. And that's where I screwed. myself and I just walked away from it. cuz I did so much for that. >> Okay. Well, you got he got an angel.

investor of how much? >> Uh I think he invested 150. >> Very good. How are you investing 150. into this business that you're going to. take off and bring your wife away to do. calls when she's incapable of even doing. anything? >> 150 to start. >> Sure. But you were able to get to a. million and I bet $150 helped. $150,000. helped you get there. >> Does work vans and stuff. >> Yeah. Things, you know, HVAC. Yeah, that's interesting. >> Yep. >> I mean, I have a lot of. >> How's the business doing today? >> Oh, they shut down a week after I left.

>> Yeah, I don't think. But I um I I still. retain a few of those contracts from. when I was there because they weren't in. there for him. They were there for me. >> I just don't understand, guys. How are. you getting married in June if we can't. have a financial conversation? If we. don't trust joint account because he's. not willing to do a joint account with. you cuz he thinks you'll just spend his. money, too. If you don't even have. anything saved going into the wedding, how the is marriage in a couple months. even a part of the conversation? >> Hopes and dreams. >> Nope. Well, we were technically supposed. to get married last year.

>> and. >> and we had nothing saved up. >> And you have nothing saved up. >> Yes. But now we have a venue picked out. and set. So, and we've sent some. invitations out. >> Very good. How much is the venue cost? >> It only cost 900. It's a really nice. venue, but my boss helped me out with. it. He knows the. >> And what about the rest? What's the. wedding going to cost? >> We're. >> The venue is like 900. I have a wedding. invitation. >> I heard that one. Thanks. I'm the rest. is going to cost about 10,000. >> That's what she says. Very good. How. much do you guys have? >> None. >> Nothing. >> Okay. >> But I was talking I talked to.

>> You have a wedding invitation for you. >> How are you going to feel when Brandon. your wife on the wedding night? >> No, that's not happening. >> It's your biggest fear. >> We'll make it come true. >> Brandon, stay away, buddy. >> I did. We did talk to my dad over the. weekend and he is helping us with a. portion of it. We just need to get. >> portion. What's a portion? >> We need to get him the numbers of like. the vendors and cost. >> Very good. Thank you. Yes. You're very. excited about this invitation. That's. wonderful. Great. I I I would not come. because I'm going to come and nothing's. going to be there because you guys.

aren't paying for this wedding. There's. no way you can afford this wedding. I. don't know what the you're thinking. If. I show up, I will be showing up to. nothing. >> And here we go. I hope you're hungry for nothing. >> Not necessarily. We're We haven't picked. anything out, but we're. >> Her dad is supposed to help a little. bit. >> Help a little bit. Of the 10, how much. is he giving? >> He hasn't clarified. >> We have not clarified. What are we. talking about? Why the would I drive an. hour and a half? >> It's actually in Cibilo, so it might be. a little closer than San Antonio.

>> Ciblo. No one's heard of Ciblo. >> It's near Sigin. If you know, >> I've kind of heard of that city, but I. know Bronos and New Bronals. >> It's right next to New Bronals. >> Yeah, >> it's in between New Bronals and. >> San Marcus. San Antonio. >> Very good. >> And it's a very beautiful property. >> That's wonderful. None of this excites. me because you won't be there. You can't. afford anything. If I if I have to, I. will be there with just me and her. >> I'm not going to show this cuz I have. the real names. >> My uncle who's supposed to marry us and. that's it. And I'll be happy with that.

>> Guys, I just don't even know. I I just I. don't know. >> If you cannot have a financial. conversation, what's the point of. anything we're doing here? >> Learning how to have. >> learning how to have the financial. >> tried, but you won't even talk. When I. try to get you guys to talk about an. argument you've had, she just goes, "Yeah, >> I shut down.". >> She does shut down a lot. And that's why. it's hard to have those arguments cuz. she'll just. >> Yeah. Well, I heard you shut down the. conversations. >> He does. >> I do too as well. >> Okay. So, she shuts down, you shut down.

So, where is there a conversation to. even be had? >> What was the last financial argument. we've had. >> when we pulled up the statements page? >> What was your rebuttal? >> I thought that I had told him about. everything that I like all of my debt. I. thought I That's not That's not my. fault. He didn't remember. >> I do have a hard time remembering stuff. as well. >> Wow. Oh my goodness. >> I have a lot of conversations that. happens. >> So I constantly am remembering a 100. different things from work and. >> Okay, so she's right.

>> So you were wrong. >> Well, she shuts down as well. >> Guys, you are not giving me examples. Are you incapable of conversations? I'm. literally just trying to understand. something in a conversation. >> Every like every time that we try to. have the conversation, he I'll say. something and he'll get like a salty. attitude and then just walk away and. like the conversation never goes. >> What does that look like? What is said? What's the dynamic? Literally anything. Please, for [ __ ] sake, guys. Why can't. you answer this question? I don't. >> I kind of told you this pretty much how. our conversations goes. She's asking for.

something. I say no cuz we're broke. Cuz. I paid. >> No, she just said you said something. salty. What is that? >> That's pretty much it. I'm broke. I just. paid a bunch of bills. >> I can't pay for that [ __ ]. >> Like the conversation just never goes. further from like every time we've tried. to have like a have a conversation. >> Why are you guys still together if you. can't even have a conversation? Why? Why? Why has no one considered leaving? Has anyone considered leaving? >> No, >> I have in the past, but that's what. pushed her to get a job. >> So, only at the threat of leaving do you. ever do anything? >> I didn't threaten to leave or anything.

It was just more of like I need you to. step up and be a partner in this. relationship, >> which I did. I stepped up. >> Yeah. So, unless someone fully confronts. you, you are incapable of doing. anything. I have a lot of issues with. trying to do things by myself and get. things done by myself, which I kind of. attribute back to the way that I was. raised and everything was just always. done for me, which I like I need to. break that habit of expecting everything. to be done for me. And I know that. >> What do you mean? It's just like you say.

the right thing, you just don't do it. So, am I confused? I'm confused on how. there's any productivity to be had even. you leaving this conversation. And I'm getting a little more insight. because thanks to Lindsay, she's. actually able to have she's able to say. things unlike you guys. I don't know. what your problem is, but she actually. gave me an example. Thank you, Lindsay. Okay, so she asked you to take her on a. trip to Las Vegas or New Orleans and you. said, "Shut the up. >> just on the phone." And they're like,

it's like, what are we doing? Like, if. that's how we're having conversations, you're right. Nothing ever will become. productive. And when you say shut I've. never told my girlfriend to shut the. [ __ ] up in an argument. I' I've never. I've never just the moment that would. happen. No shush. She's gonna shut down. What do you think's going to happen? >> She says shut the up. Of course. >> it was joking around. >> Oh, was it? >> It's happened multiple times that. sometimes it doesn't necessarily always. feel like a joke. >> Mhm. Cope. >> I don't mean it to be rude. Like I mean.

>> doesn't matter. She hears it. You're. saying that. >> for that. She hears, "Shut the up.". >> I guess I could be nicer in the way I. say things, but. >> she. >> Can you blame her for shutting down. after she hears that? >> Guy tells her to shut the up. >> I do not do that every time. >> Not every time. Just quiet. >> Well, she might expect it going into it. >> I like I want to have the financial. conversations. I want to be more a part. of things. It's just He doesn't talk to. me about them. >> What happens? So, he just says, "Shut.

the [ __ ] up." And that's it. He just. walks away. I paid this blah blah blah. is paid. This bill's paid. That bill's. paid. And like that's the. >> So why would you let her in? Why would. you? >> I do. I let her know every single time. she says something. >> What? >> No, no, no, no, no, no. She wants to. understand more about the finances. You're like, why I paid this? I paid. that. Shut the [ __ ] up. >> I do not do that. I. >> That's what she just said and you kind. of agreed with it. So, how are you. saying no? >> No. I I tell her every week and I paid. something. I'm like, I'm paying rent. this week and then the next week I'll be. paying. >> That's not what she's ask Is that what. you're asking for?

>> No. EXACTLY. YOU'RE ANSWERING A QUESTION. THAT WASN'T ANSWERED. >> What are you asking for? She's always. asking for random stuff and I just ASK. STUFF. >> When after bills are paid, we need to. figure out what money is going towards. where. We need to like we're supposed to. be getting married, but we haven't like. decided anything. >> And I I guess I don't even do that. myself. So, >> it's like every time that we've had the. conversation about, okay, so what do we. want to eat? What do you what bartender? It's I don't know. I don't know. I like.

I can't I'm not marrying myself. I can't. plan a wedding all by myself. There's. like no give back to the conversation. and I refuse to make all of the. decisions for that by myself. Especially. whenever I'm not even the one mo like. mainly paying for anything. How do I. like I don't know how to. >> Sounds like she resents you for not. having any money saved for the wedding. >> I resent not having the conversations. about what we need to do in order to. save what to get where we need to go. I mean, that's been hard when we spend. it all.

>> The conversations, [ __ ] That's what. she's asking for. >> I'm bad at having conversations, I. guess. >> Yes, I have learned that in 45 minutes. >> I want to have the conversations. They. just. >> Okay, we do have those conversations. I. just I'm I'm bad about making I guess. decisions like that. I really I don't. have an opinion too much. I want the. wedding to be. >> You don't have an opinion? What do you. mean? You clearly do. You just won't. talk, man. And then and then you accept. it as the W and then she's just sitting. there in silence and never having any.

knowledge of what's happening. >> I want her the the wedding to be the way. she wants it. >> Getting by Brandon. >> that. >> I'm not marrying myself. I can't make. all the decisions. >> I agree. >> Yeah. He gives no. >> Why marry him if he can't have these. conversations? Cuz one of the leading. causes for divorce in this country is. financial problems. Why are we getting. into this guys when we both agree though. on different spectrums that this is not.

working? I'm not saying you guys don't. love each other. I am not saying that I. want you guys to break up. But getting. into a marriage when we literally cannot. have these conversations like physically. impossible. It makes no sense. And this. is a couple months away. >> And that's why we want to start. learning. And. >> to be clear, she does resent you for not. saving up money for the wedding and not. having those conversations that she. wants to have. She might not say it, but. she does. And you told Lindsay that you. resent her for being grown up spoiled. There's resent on both sides. There's.

incapable of communicating, letting. things faster. This is going to boil up. into a big explosion someday. >> I don't want it to. >> Oh, very good. You don't want it to yet. you do nothing. >> What the What kind of response is that, [ __ ] What? What am I supposed Think. Think for a moment? I just heard you. say, "Well, I don't want it to." What do. I do with that? WHAT DO YOU WANT ME to. do with that information? I give you. this big thing of what is happening. Well, I don't want to. What do you.

expect from me? What am I supposed to do. with that? Put Put yourself on this side. of the table for a second. What do you. expect? >> I haven't learned to have those. financial conversations. We both. >> learned to. >> Yeah. I grew up in a family. >> Why don't you Google how do I have this. conversation? Why don't you read a book? >> I don't read. I don't do reading. >> What up? I'm Jared. I'm 19 and I never. [ __ ] learned how to read. >> Well, yes, that is clear. Why don't you. audio book? >> Books are boring. >> So, you're not willing to learn anything. ever?

>> That is not true. I. >> Why not look it up a YouTube video about. marriage and finances, relationships and. conversations? Why not advocate for. couples therapy? There are so many. things to do. You in 2026 no longer get. the excuse of, "Well, I never learned.". You have access to everything. GPT, Grock, Perplexity, Gemini, all of. them. Anything and everything you need right. there. Claude, >> I don't. >> talking to someone at work.

>> I talk to people at work all day long. >> And. >> I love talking to customers. I can talk. to them all day long and sell jobs. >> Obviously not what I meant. You. >> asking a coworker that you're close to, you know, this is going on. What do you. think? Uh, >> all of his co-workers are his brothers. >> Yeah, my brothers are the ones who work. for me. >> Oh, both of you are and [ __ ] and just. [ __ ] in this relationship. >> That might be the way you guys make it. to the end of life together because. neither of you have any balls. You'll.

just be miserable and never financially. successful as a couple. You'll be. failures and losers for the rest of your. lives cuz no one is willing to stand up. >> That's not true. >> Working hard to have a good career. That. doesn't matter if it all goes out the. door and we're not able to communicate. to prevent that. Dude, I've seen the. highest income earners on this show have. worse finances than the poorest. And don't forget, I want you to be on. the next episode of Financial Audit. So, go to calebhammer.com/apply. or click that link in the description. below. You'll have a great time and I'm.

going to roast the [ __ ] out of you. That's kind ofing stupid, I'll be. honest. But what's not is actually. getting a checking account that gives. you free money. Free money. We like free. money. You can get up to $200 in bonus. cash right now when you sign up for the. checking account that I use. Chime. Also, it makes your savings grow at a. 3.5 APY interest rate. Guys, you can. watch financial audit and get free money. at the same time. Who would have. thought? That's incredible. Check it. out. Link in the description below.

Doesn't matter how much comes in. When. you can't deal with this, y'all are. going to be miserable. Then you're. thinking of bringing a kid into the. picture. No, you guys disagree on that. And I haven't heard that disagreement, but I know she wants to get bred to. death. >> I'm not I'm not ready to have a kid yet. >> Well, I know you can barely even stick. it in when you're stressed by installing. pipes, >> HVAC units. >> Yes. >> That we lack communication skills. between us severely. >> Oh, yeah. >> He every time. >> Oh, that's groundbreaking information. >> Every time we try to have a. conversation, he I'll get emotional.

I'll start to cry and then he'll just. immediately leave the conversation and. like nothing ever gets resolved. >> I do bad with emotions. I I don't I my. dad. >> both never to bring emotions into. arguments because then it throws out the. facts. >> Potentially, yes, into arguments. But. does immediately just walking away and. never resolving it afterwards fix it. either? >> No. >> Does the anger just fers and then. nothing ever gets resolved? Like I want. to have the conversations. He just. thinks that he can't have them with me.

because I'll cry. >> Okay. Example, try to have the. conversation now. I want to know more. about the finances and I want to be a. part of things. So therefore, I know. where I can help. >> Well, I pay rents 1,100 and that comes. out the first week of the month. And. then the next week after that, I pay all. the utilities which is about 5600ish. Um, and then the week after that is car. insurance, which is about 400 something.

And then car payment the week after. that, which is 500 something. That's. just kind of how I do it in my head. I don't there's not much to talk about. when that's all it is. >> Oh, don't talk to me. You guys are. having the conversation. >> Yeah. >> I mean, where. >> response. >> is hold on. >> Okay, I'll jump in. The fact is that. example relationship is exactly how you. guys described it before. She said, "I. want to be involved in the finances.".

>> Like I don't. >> and then you just went down the list of. what you pay. How is that how is that. responding to her? That is her knowing. No, she wants to look at the budget, the. income, the expenditures. >> I don't have a budget. I literally do it. in my head just like. >> Yes. If you guys sit down and build it. out together, the answer to her question. and worry is not you just saying, "Well, I pay rent and I pay utilities.". >> WHAT? >> HOW is that the answer? Yeah, I shut. down, too. How do you respond to that?

That's a horrendous answer. That's one. of the worst answers I've heard in the. show. >> Did your dad also teach you how to with. your responses? >> Yes. >> Guys, what do I think the financial. score in this house is? 0 to 10. Zero. being the absolute worst, 10 being the. best. >> One, >> I think I think I took the store the. score and I was one. >> Well, you can take that score at. calehammer.com. See where you stand in. the world of finances. get your Hammer. financial score for free at. calebammer.com. It's pretty awesome. Thousands of you. take it literally daily. It's kind of.

awesome. And also, tens of thousands of. you have downloaded and are uh members. of the dollar budgeting app if you don't. want to be like a guest who ends up on. this show. So, make sure you download. that, test it out, see if you like it, and when you do, like most people do, you should sign up for the annual. version because it saves you 50%. And. you get my signed 30-day budget meal. plan right here. This one I already. signed. This one's for you guys. It is. detailed. Your 30-day meal plan, drinks, snacks, food, all the goodies right in.

here. It's awesome. I'll mail that to. you after I sign it. Then you no longer. have an excuse for not being able to. meal plan. Budget your meals, everything. like that. Even count calories. Okay, so. that's it. Let's get into these cards. What's happening here? Okay, very good. Why the are we behind on making the. Capital One quicks payment? >> That would be her account. >> What is wrong with you, woman? I thought. I would pay it off and use it for. groceries and that you thought you. would. >> Yeah. >> Uh that didn't.

>> WHY DIDN'T IT SELF-REFLECT? >> It's I would use the money and then uh. something else would come up and then I. would never like go back to paying it. off. I It was just like. >> I'm trying to get self-reflection. >> in my brain. If I pay it off, like I. make like $200, $300, $400 a week. Paying it off would take my entire. paycheck and then I wouldn't have money. for like anything else.

>> They have monthly payment plans. >> Why not make the minimum of $65? >> It's supposed to come out. It just it. comes out at the wrong times and then. I'm like a money. >> Oh, the auto the auto pay does not come. out after the payment is due. >> No, it comes out. Yes. I just I never have. money in my account whenever it needs. >> That's it. That it bounces. It It. >> gets sent back. Yes. This takes two. years to pay off. >> The limit is $300, but you owe 433.

$42262. But you owe $300. What the are you. doing? >> The fact that there's even transactions. blows my mind. I don't know how that. even happened. No, that must have been. No, no, that was a return payment. Must. have been. And then a late fee on top of. that. Yeah. >> Yeah. >> Yeah. That was the card I was talking. about that we got. >> pass through 40. Return AC card payment. 65. WHY DON'T YOU HAVE MONEY IN YOUR. CHECKING ACCOUNT? HUH? >> I My entire paycheck pretty much goes to.

groceries and then I don't really have. money. Groceries and gas. That's. essentially. >> That doesn't make sense with the amount. of money you said you make, which I'm. not writing down cuz you're saying. you're quitting by the end of next by. the beginning of next week anyway. So, I'm not even taking an account for the. household. But even still, groceries and. gas, unless you're just literally. filling up like 10 Ford F-150s and. feeding a house of 10, does not equate. to bringing those paychecks to zero. every week. >> Amazon. >> It brings not necessarily Amazon. I buy.

I go to the gas station. >> Show me your Amazon. >> Where's my. >> What are you getting at the gas station? >> Red Bull and snacks. >> Why even the one off? Listen, I. obviously I advocate for gamers subs cuz. it's much more much more makes sense. financially. It's very good. It's. wonderful. And here's the pack version. It is 40 cents a serving. Let me make. sure. This one's the hydration caffeine. Let me get you energy drink. >> Okay, this one's the energy drink. Here. you go. 40 cents a serving using my. discount code at gamersubs.gg or just.

use my link. You get the free sample, see what flavor you like, and then get. it. Make your energy drinks at home like. you make your coffee at home. It tastes. better like legitimately. And cuz Red. Bull's [ __ ] anyway. I mean, these are. really good. And. >> what? >> This. >> Red Bull is not good. >> Red Bull is amazing, >> dude. Red Bull's not very good. >> This is good. This is good, right? It's. >> very good. >> But this ain't up there with my favorite. Red Bull flavor. Now, that one is. actually is up there with my favorite. one. But. >> okay, must be more of a strawberry guy. than Peach.

>> Yeah, I still think Red Bull is. >> Red Bull. >> Yes, >> bro. When we did the blind taste test, Red Bull was barely It wasn't even close. to. >> Which Red Bull are y'all trying? Just. the red. Just the original. >> Yes, Red Bull. >> Okay. See the the original. >> So, use that. Type in code Caleb. Use. this is your 40 cents a serving. You're. making it at home. You're not stopping. at the gas station. But even if you do. have to do Red Bull, which I really. don't understand why buy them in bulk. instead of single use. >> started doing that. >> Give me Amazon. >> Um the last couple purchases only one of. these was me. The rest of them were him. and his brother.

>> What was you? >> Me. Oops. Not clicking buttons. Um the. one that was me. We all do share an. Amazon account. >> The. >> You're talking around your mic. >> Okay. Why are you doing this [ __ ] Your. nails aren't even paint and they're cut. >> Yeah. >> So, what the [ __ ] are you doing? >> I've been like slowly teaching myself. how to. >> Why are you saying it's all Amazon? That. drains her account. >> Amazon and random other [ __ ] that. she spends on. >> And then Yeah. All of the other stuff. was. >> what games? >> His Christmas. And. >> did you buy any games?

>> She spends a lot of money on her phone. games or. >> phone games. Sometimes I stuck really. bad in my game. And. >> Huh? >> Yeah. >> She pays her way through games. >> Why? >> Cuz I just get stuck on a level. I'm. really bad about that. If I get stuck on. a level. >> game. >> Oh, she has like three or four games she. spends. >> Why you spend $1,000 in two weeks on. Sims? >> I did do that. >> Hold on. What's even purchasable in Sims. anymore besides the DLC? But you do that. once done. >> Well, that's not a thousand.

>> and multiple packs. >> She gets all the different types of. packs there is. I like rage bot pretty. much almost. >> Rage bot. >> I was. >> WHAT DO YOU RAGE? >> HE made me mad. And so then I was like, what? I I don't even remember what it. was about. >> Try. >> probably something with his game. And. >> what what about his game would make you. angry for you to go spend $1,000 on. Sims? >> $10 on a the my game for a skin or. something. That's it. And then. >> you got upset at him spending money on a. game. So he spent a,000 on Sims. I don't.

think that's what it was. There was It. had to be like there was more to it. We. were arguing about. >> her asking for something and I said no. to that and then bought the $10 in the. game. >> and she was upset. And then what are. these mobile games that you're just. buying the in [ __ ]. >> Buying coins to pay my way gems and. coins and Oh my Monopoly. >> No, you are not. >> Candy Crush isn't even like downloaded. downloaded. I haven't played that in a.

while. Oh yeah, >> Color Block Jam, Monopoly Go, and. Fallout Shelter. >> Oh sake. >> Oh my goodness. I took all those things. have. >> It's so bad. >> Yeah, that you are doing. Stop. >> I think what also makes they can't take. accountability for anything. Had two lay. fees this year on this card, which by. the way was only two months of. statements. SO EVERY MONTH THIS YEAR SO. FAR, YOU ARE LATE. >> YES, that's been late for a while. Anyone.

want to bring a kid into this? >> Not now. >> Really? >> I want to wait till we're after like I. want to get married first and then kid. >> Great. Okay, so a kid in a couple. months. Shut the [ __ ] up. Okay, answer. me this. You know, I love to ask it. Okay, I know your sex lives are rough. right now, but when they're not, he. sticks it in, right? >> Yes. >> Does he stick it in without a condom? >> I'm on birth control. >> Thank goodness. What kind? >> The thingy in my arm. >> Good. That's the best kind. Well done. That's the first time I can clap for.

protection on this show. >> Uh that is one thing I am big on is. protection in some type of way. Either. it be a condom or. >> we have never used a condom again. >> Just had the thing in her arm. Yes. >> You don't need to when that's there. >> Yeah. >> So well done. >> Twinkie for life. >> Might be why. But. >> potentially. >> I don't know. >> It's actually expired. >> It is expired. I need to go to the. doctor. >> But in other countries it's lasted up to. 5 years. >> In other Yeah. in other countries. >> Take back my applause. How does this.

happen in every financial audit episode? That's why the every intelligent person. in this country is no longer having ch. children when they need to be the ones. having children and it is literally. either white trash or ghetto or or poor. mother that are breeding and you guys. will be breeding. I don't care. You're. busting raw loads in her on expired. birth control. >> It's been working still or you just. haven't hit that window. So it's FDA. approved in America for 3 years, but.

other countries it's FDA approved for 5. years. >> Yes, it might mean the 99% protection. might be 95. Now you want that risk. >> That's still better than. >> it IS BETTER, BUT YOU WANT THAT RISK. You want to bring a kid into this when. she can't stop buying gems. >> You can't even have a conversation. You. think you'll ever talk to your kid? Your. kid will have a issue and you you'll. never be disciplined. He'll never be. disciplined. No, he won't. You can't. stand up for yourself whatsoever. You. can't do anything. Yes, you will. Yes, you will. you do here? WHAT ARE YOU TALKING ABOUT? That's.

literally all you do your life. That's. why the first thing you said when you. walked into this building for some. reason, which blows my mind and has. never happened before, some please make. sure nobody my girlfriend. >> NO. >> WHY THAT WOULD HAPPEN, I DON'T KNOW. BUT. EVEN STILL, I don't think it was on. anyone's mind until you said it. >> No. No. I told Brandon to watch himself. cuz I know. >> right afterwards. Green room. Choo choo. GOD. >> AND YOU'RE NOT INVITED. >> You wish.

>> Oh god. >> Oh, like she'd turn down anyone here. Listen, >> I am happily in a relationship. >> I'm sure you are and they always are. >> God dang, I need to go to the restroom. >> Pregnant pee a lot. >> Hey, chill out. Chill out. >> You are so funny. >> She actually We did actually have a. scare a few months ago. >> Yeah, shocker to nobody. Okay, I'm going. to stretch my legs too then cuz I don't. need to have a private conversation with. Leo. >> Y'all have really nice toilet paper. Y'all got the expensive toilet paper.

>> Keep it up close here or Matt. >> We are filming better. >> Oh, >> we are live. >> Oh, >> yeah. >> That was in the video. Shout out to. Mark. >> Thanks, Mark. >> Okay, >> thank you, Mark. >> Uh, but let's talk about the. quicksilver. >> Second quicks. There's two quicks. Supposed to be your quicksilver or do. you have two? >> He has one. I have one. >> Okay. Uh the capital one. Yes. >> Yes. The quicksilver, >> Drake, >> I uh I brought some packs if you want to. rip some Magic packs with me.

>> Oh, thank you. >> Someone else already did that. I don't. give a. >> It's not Pokemon. Pokemon's for. children. It's Magic the Gathering. >> I've I've I've I'm further from that. than I've even been to Pokemon. And I'm. not even close to Pokemon. How much are. you spending on Magic the Gathering? the. guy that got angry at his fiance for. spending too much money. I mean, he. spent $250 on this card, which was a. crowing. >> So, HOW MUCH YOU SPENDING ON MAGIC THE. GATHERING? RIP A PACK. RIP A PACK,

[ __ ] RIP a pack. >> All right. >> How much are you spending on this? What's the question that I asked that. you will answer now? >> It depends. I mean, >> oh my goodness. Can you try to answer. >> 200 a month? >> Pause. This guy, >> have you ever seen him have a. conversation with someone before? >> Can he do it? Is he able to hold a. conversation with a human being? >> Yeah. >> I don't know, man. I really don't think. so. RIP.

200 bucks a month. You're bitching and. moaning over here. >> That That's not bad. >> 200 That's a It could be a a low car. payment. >> I guess my car payment is like 500. >> Well, yeah, you have a normal car. payment. Hey, >> I got some good stuff in this actually. Wow. Somehow you made it even less. interesting than the previous card rip. that someone did on the show. Good, man. >> See that? That's worth some money right. there. >> Okay, I got a Teenage Mut mutant Ninja. Turtle. >> It's from the new the new set that just.

dropped. The Teenage Mutant Ninja Turtle. set. So, childhood memories. I had to. get the pack, you know. And then I may. or may not have bought the Commander. set. >> Yeah. >> As well. >> Well, did you or did you not? >> He did. >> Okay. on the way here. >> What the are you spending on a card that. you cannot pay? Oh, animal center. Animal cancer center. >> Yes. >> Our dog had double ball cancer. >> Had. >> Yes, he's doing great now. >> Oh, he's alive. Very good. Okay. >> Yes, >> we're good. He's. >> So, we just chopped off the balls. >> pretty much.

>> That's good. Why do you not have pet. insurance? >> Uh, >> he's older and it was a pre-existing. condition. >> You're convinced that your friend caused. the cancer? >> That's what she thinks. She's dumb. I am. mildly convinced of this because he. would flick him in the balls and then a. couple months after that we noticed that. his one ball just started to look a. little different and couple months later. come to find out that he had a tumor on. his ball sack. So, I mildly convinced. you, >> dude. I think you guys are just a little. cuz here's the thing. Even just how your.

relationship started. >> Even just how your relationship started, you were dating. You were dating with. someone. You broke up with your friend. because of Drake. Actually, >> you broke up with your friend because of. Drake. >> No, >> not necessarily. >> Yes. Your friend. >> and her you and your friend had a huge. falling out because of your relationship. with Drake. >> It wasn't necessarily like our. relationship was a part of it, but she. was Yeah. She her cousin was dating his. younger brother and then they broke up.

>> I don't think that's the issue though. I. think the issue is that your friend. thought Drake was toxic and controlling. >> Like I'm glad you're bringing up that. other thing. But. >> I don't see how he is. >> Sure. But your friend did and that was. the fight. >> So it doesn't matter about the cousin. thing. I don't care about that. >> Her dad her her friend's dad was also a. P. So. >> Oh, very good. Why are you Oh my gosh. You guys seriously suck at this so much. I don't know how I do not know how you. are bad at this. The conversation that happened, the big.

fight you had with your friend was on. how he was toxic and then you guys like. you hear that and you're like, "Well, his dad was also a piece of shit." Well, also he dated a I don't care. I'M. FOCUSING ON THE THING I AM TALKING. ABOUT. Your friend stood up to you because of. him. and YOU GUYS HAD A FALLING OUT BECAUSE. OF THAT. >> and other stuff. Oh my. >> Not just me. >> Yes. >> Someone else want to finish this. conversation? They can't do this. Oh, they can't. Oh, they are so bad at this.

Oh, [ __ ] sake. >> Not too bad. >> Is anyone going to tell me about that. conversation or do we just want to talk. about something else? >> I don't know really how the conversation. went. That was between her. >> I don't like. >> I don't know. You just keep saying yes. instead of answering. We there was she. said that he was manipulative and toxic. and I I very good. >> How why do you say that and from her. perspective she says that he controls. everything that I do and I don't see. that. >> Oh this is very good. I'm surprised I.

had to take 5 minutes to try to get that. from you. Is that not worth something? The fact that you had to break up with. your friend because they had a. perspective that the guy you're with was. maybe not good for you. >> I don't trust her judgment. >> Why? She's in the same relationship with. the dude that's done the same exact [ __ ]. to her. >> Maybe that's why she can see it. >> But if she can see it, then why is she. still with that guy? >> Is she still today? >> Yes, they actually just got an apartment. together. >> Better than you guys. You guys moved in. immediately when you never even lived on. your own. You know nothing but. codependence.

>> Yeah, >> which is a quick and easy situation to. fall into something that is. manipulative. It's a rough saying of that word. and. controlling. >> from the my perspective and the previous. year like so far in our relationship I. don't see it as like I don't feel like. there's manipulation or like I don't. >> I understand where she was coming from. but at the same time I don't. >> because I wanted her to get a job. >> that's probably what it was that's the. only. >> probably what it is. >> that's the only I really don't care what. she does I she do whatever she wants I'm.

not really controlling as long as you. know I need help with rent sometimes. No. Whenever I go down to the Houston, >> no one has ever sent something as bad as. What the is this, guys? >> What is that? >> It's like I I've never had glasses or. something. What am I looking at? >> That's I guess the screenshots from a. video. Screen recording of our Credit Karma. >> There was something that wasn't able to. >> I made it into a PDF and I could see it.

on my end just fine. >> You look like a PDF. 400. >> What is that even supposed to mean? $413. Needs attention. National Credit Systems. collections. >> Yes. >> Yes. >> For who? >> That one's on both of ours. >> That's for the apartment. >> You bothowed. Why' you allow a apartment. to go to collections? >> Because I already paid them their money. I. >> doesn't look like it. I would actually. say. >> we moved out and they called me a few. weeks later saying I owed $700 in.

damages, blah blah. And so, and I I. owned up to it because I did we did have. puppies at the time that kind of. destroyed. So, I brought in $700 cash to. the apartment complex. >> Did you say cash worked? >> Yeah. And I gave it to them. I thought. all was good. And then a few months. later, I got a letter in the mail saying. I still owed $400 something dollars. >> Well, not why not pay it so your. credit's not Listen, I don't I don't. like it. I do not like it. >> I agree. But your credit is not It's. It's your credit. Like, I care about. that more. >> Yeah. I didn't realize it was going to.

go to my credit until I already went to. my credit. >> Okay. Well, why not just still kill it? >> So, as many of you know, I've been a big. supporter of Course Careers for a long. time. I'm not just a partner. I actually. own stock and I'm an investor. So, why. did I partner with Course Careers? Because I truly believe in what they're. doing. A lot of people have questions. about online certifications versus. traditional college degrees. Let me be. clear. I wouldn't put my name behind. something unless I knew it worked. The. thing is, not everyone has the time or. resources to spend four years in college.

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up-to-date, self-paced courses, one-on-one or group coaching from people. that work in the industry, and most. importantly, they help you actually get. hired. Just look at graduates like. Nomeso, who went from driving FedEx. trucks to a cyber security job at. Disney. That didn't happen by chance. He. put in the work and course careers. guided him every step of the way. And. what truly sets course careers apart is. that it's not just about learning. skills, about landing a job. Their. curriculum is designed based on what. employers actually need. And their. network of industry coaches will guide.

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the rest. So now you need to do that. with your energy drink as well. MAKE. GAMER SUBS AT HOME FOR JUST 40 cents a. serving. And honestly, it literally. tastes better. And we proved this. accidentally via a blind taste test in. our Hammer Elite show, Fat and Fatter. >> The number one ranked energy drink is. Gamer. >> Literally, the cherry flavor is insane. >> Listen, you can also get free samples to. see if you like it or 10% off your order. at gamersubs.gg.

or click that link in the description. below. Type in code Caleb. >> That's two months of Magic the Gathering. on your. >> A friend said if I wait long enough, they'll send me a deal for a lot. cheaper. No, not necessarily. >> Well, actually, no. I I wouldn't. necessarily say that. Usually, it's. going to have to be you reaching out and. negotiating, but even still, this is. $413. I don't even know how much effort. they're going to work on. >> I feel like I should have to even pay. that $413. >> Oh, agreed. I am on your side. Is that. the argument we're having? No, but your. credit is. >> Yeah, it's been getting a lot.

>> Uh-huh. So, un's saying she wanted to. get a house. You still want to get a. house at some point? Marriage, kids, who. knows? >> We do. Surely that birth control is not. helping right now. The fact is not with. this. >> That would look bad. >> I mean that's the smallest one. I'll. worry about that one less. It's. >> or it's the easiest to get off. >> So fix it first, [ __ ] Oh my goodness. >> But then I have to have I don't have 413. just laying around for it. >> If you do two months of not doing Magic.

the Gathering, you actually do. >> Uh but then I'll spend it on something. else cuz I'll. >> Okay. Don't spend it on putting it in a. savings account where it goes to this. immediately. >> I'll try to do that maybe. >> William, let's find out. Uh, National. Credit Systems 1,973. What's this for? >> If this is still all of mine, I believe. >> that's yours. That's not mine. >> Yeah, that's going to be for my my. appendix surgery. >> I think. >> um I went into the. >> Why didn't you get it on a payment plan?

>> He didn't have insurance. >> I didn't have insurance or anything. >> No. Why didn't you get on a payment plan. for the 1,973. hospital? >> Pay medical bills that'll drop off in a. few years. >> Okay, you guys just received the worst. advice from like everyone. This is so. stupid. That's so stupid, man. Is your. family doing well? >> Not necessarily. >> Why are we listening to them? >> Cuz I didn't want to have to pay that. right then and there. >> I wouldn't want to pay it either. Do we. do what we want always in life? No. I.

mean it. >> You wanted to blow $120,000 sitting on. your ass and smoking weed. >> Was that good? No. Should we do what we. want? >> Had a great time. >> You guys will be losers for the rest of. your lives. >> No, I don't believe that. >> I do. Listen to your answers now. Listen. Well, and lack of throughout. this conversation. >> I'll hit you. >> You guys cannot do anything in this. world. You're incapable. You are. basically mentally 15, 14, 13.

>> I wouldn't say that. I do. >> I would say that actually. >> No, >> I don't care what you would say. >> I feel like. >> I really don't. You are not. >> You are not someone that has any worthy. opinion on any of this. Look at where. you are now. Your opinion is worth. nothing. Actually, your opinion is worth. negative. Your opinion is in. collections. I don't give a [ __ ] what. you think. >> When it comes to money, sure. I guess. when it comes to finances, >> believe it or not, when it comes to. money and finances, that's what we're. talking about. >> I'll be a loser as far as life. I'll. have a nice job. I'll start a company.

and I'll be. >> Doesn't matter in 10 years when I have a. nice million dollar company. >> Yeah. Million dollar company that was. able to be accomplished because of. $150,000 investment. >> Nope. >> Yes, it was. >> You're talking about the last company. >> Yeah, the one that actually hit that. number. Yes. >> Yeah. And it hit that number because I. was there. says every former employee. >> Okay. I mean, that's why they had it. close down a week after I. >> quit. Everyone, including myself, it. thinks we're worth more than we actually. are, and we actually have less of an. impact when we're gone than we think.

>> I mean, they couldn't literally couldn't. run it without me there. >> There was probably more happening. Come. on. Looks like there was a lot of. financial issues with dad taking the. money from the account. >> We found out he was taking money from. the company account to go start another. company. >> Well, there you go. I don't think it was. you guy that is a former employee who. thinks he delivered more value than he. actually did like every former employee. in the history of every company in the. history of humanity. >> I literally scheduled everything took. care of all the work.

>> Oh well that's difficult. >> I did everything for that company. >> Uh-huh. Yeah. That's hiring another HVAC. person if it's a real million-dollar. company. Buddy, you're not that guy. >> You're fine. You're a good worker. >> I am that guy. >> No, you're a good worker. That doesn't. mean you are the bread and butter and. the sauce. I wouldn't say I'm the best, but I'm I'm good at what I do. >> at HVAC. >> and plumbing and dealing with customers. and scheduling and. >> Okay, those last two things are very. easy. I do them now. >> Yeah. Contracts. I love closing the big.

contracts, you know, getting. >> closing contracts. >> Yeah. You know, like new homes or um. apartment complexes that they're. building up. Like we do a lot of work. out here in Austin, um San Antonio, Houston. >> The business you work for? >> Yes. The current business we work for. Chat, chat, save me from this one. Okay. Who owes. 949 in collections? >> I believe that is also mine. That. >> Oh, seems like you're actually the. horrible one. >> That one is also for the appendix. I.

think that was the appointments. afterwards. >> Payment plan. Okay. Midland Credit Management 2079. >> That one's mine. >> Very good. We're back to Alexis being. bad. What is it? Um, after the dog. fight, I both my hands were covered in. like really really bad. >> payment plans, guys. >> And I laser treatment. >> Payment plans, man. I'm not saying. Listen, I don't even like I our our. health insurance system up, don't get me. wrong. I'm not even defending it, but. just I don't understand why you want to.

your credit. You just allow it. >> I feel like they never gave me the. option for payment plans. At least when. I went in for the hospital and [ __ ]. they were just like, "It's going to be. $2,000 unless you have insurance." And I. was like, "I don't got insurance. Uh, can I get on a payment plan? >> I have a question regarding that because. it's through Care Credit. >> Well, this you paid on my credit card, so the credit card went to collection. You're not going to get on a payment. plan for the credit card. You actually. already had one. It was called minimum. monthly payments. You should have done. that. That's that you didn't. This one's. even worse cuz you're just a [ __ ]. >> How do I go about like I'm not able to. get into that account to be able to pay.

anything. Like, how do I. >> That's because Midland Credit Management. owns this debt now. You have to contact. them. >> Okay. I wasn't sure how that worked. >> See, I'm not even sure how to pay some. of that stuff off. >> You guys have never tried to look. anything up in your lives. >> I've tried to get into the Care Credit. account. >> Do you guys have phones? Do you guys. have a computer, a tablet? Do you guys. have the internet? >> Yes. >> In San Antonio, I know it's like. >> I'm not very techsavvy though. >> Yes, Google is very techsavvy.

I know since San Antonio is like 25. years behind every other Texas city, but. I you guys can use Google, Yahoo. >> Who uses Yahoo anymore? >> That was the point and kind of the joke, not very good one that I was making. I'm. who's why why are we late on our. insurance? >> Some insurance. I don't even know what. insurance. >> months of insurance put together. >> Oh, that's wonderful. Why? And what. insurance?

>> Well, that was that's our car insurance. >> Losers for the rest of your lives. And. there's going to be a kid brought into. the picture. Always happens. >> Our dog was going through the surgery. and that was all expensive. And so I. >> wasn't put on a credit card. >> No. >> No. >> How much was the surgery? >> Uh. >> after everything around 5K. >> between imaging, everything I couldn't. we couldn't get pet insurance because. after he was diagnosed, they won't take. him. >> Well, yes. That's I'm advocating for. obviously. Yeah. You don't get the.

Hey, I need car insurance. I just got in. a car crash. >> He's also, too. He's older. >> Well, that's going to make it hard. But. that's why you should have had it. before. >> This really wasn't a thing until like he. was already. seven or eight. >> When was he seven or eight? >> Like 2 3 years ago. >> Okay. Lies. >> I've never really heard about pet. insurance. >> You've never heard of anything. Neither. of you have ever heard of anything. You. can't do anything. I've had pet. insurance for almost seven years. >> I don't even got insurance on myself. >> Well, you're you're broken. Do not have. children. And hopefully that allows. natural selection to take care of. itself.

T-Mobile, we're unpaid. 434. >> It's the same thing I had. >> Okay. Do you do Helium mobile? It's the. same towers as team. >> I can't. >> Why? >> I have everybody on my phone plan in my. whole family. >> Stop. You are an adult. You are on your. own. I don't give a [ __ ] about them. I. mean, I do a little bit. >> A lot of them are my little brothers, too. >> I also do not care. Your parents can be. parents. >> Well, that is the thing. My dad used to. pay for their phone bill and have it on. theirs, but then he would forget to pay.

So, everybody's phone would get shut. off. >> I don't care. THIS IS NOT YOUR. RESPONSIBILITY. You can't take care of. your own bills. You can't take care of. your own bills. >> I still pay them. They may be late. I. never said I was on time. No, no, no, no, no, no. You're beh You're multiple. months behind on a lot of things. >> Get off. >> Switch to Helium. Shut the And you use. the mine card used previously the Fizz. card debit card that builds credit. Can't spend more than what's in your. checking account. It's all what you.

people can handle. You can't do anything. else. You guys are failures. Failures at. conversations. Life and finances. >> Finances. Sure. >> Everything else? Yes. Especially. conversations. >> when it comes to finances. Sure. >> Buddy, I try to talk about a lot of. different things here. You could not do. that. revolving around finances. >> No, revolving around I was just trying. to get an example of a conversation you. guys have had and it required Lindsay. telling me. >> You guys can't talk. >> We talk all the time.

>> Why'd you just say nothing? >> Yeah. >> Listen, I got a gas [ __ ] When is I. got [ __ ] Vaping and smoking. So, you buy from your own store. >> sometimes. >> Loser. Bought from your own store. Loser. Text best. I don't even know what that. is. >> Gas station. >> Okay. Hey, well you went and got some. [ __ ] cuz that ain't gas. >> Most likely around. >> Is that your cash app or mine? >> Uh that was way too many transactions to. be mine. >> But that's her with my card of cash. My. cash app card. >> The gas station once. >> That would be me.

>> How How are we even having unprotected. sex with birth control that is broken. when you do not have health insurance. for yourself? Like it's so. irresponsible. And also why do you not. even have health insurance? get just the. critical coverage one that is like the. cheapest there is. >> Well, because I I had it. >> that'll prevent bankruptcy. >> And then my mom took me off of it right. before the appendix thing, actually. So, it kind of sucks. >> It doesn't matter. You'd be taken off in. a couple years regardless. >> And then I had it again with a different. company. Um, and I left that company.

And. >> that's wonderful. I asked why do you not. have it now? >> I just cuz I never set it up. I don't. know. >> Cuz you guys are incapable of anything. >> Waiting for my employer to be able to. offer it so it's cheaper on me. Will. they. >> eventually. >> when? >> Right. We just started the service side. So there's only three texts right now. So he's waiting to. >> You guys are incapable of everything. Okay. This must be a car. $8,547.73. and a 13% interest rate. Whose car?

>> Ours. But she drives it. >> Mostly ours. Honda CRV 2018. >> 2018. >> 13% interest rate. Why? I didn't even. know what interest rates were and so I. >> because we don't know anything cuz we. can't Google [ __ ] cuz you guys are. incapable of literally living. I don't. know how you made it here. I've never. heard of roads. I've never heard of gas. I've never heard of putting in an. address into a GPS system. It's worth. surprisingly 10,000. So you guys. actually have an equity position of. about a 1500. >> I wouldn't know about that. It's a.

little B. >> You wouldn't know about anything. You. don't have to say that anymore. I'm. assuming that for every topic in the. history of everything. Okay. You don't. have to tell me. You're going to drop a kid on his head. and you're like, I had no idea that that. would be bad. That I don't understand. I don't. understand. I don't understand. Like, what the You're the guy that the GIRL. SAYS, "I HAD NO IDEA I COULDN'T DO IT. WITHOUT [ __ ] ASKING." It's like, you. can't do anything. >> No, I would never do that. And I could. do. >> Would you even know if you did?

>> Yeah, I think I would know. >> I don't think so. I don't think so. I. even know I had to wear a condom. I. didn't even know vaginas is where the. babies come from. I didn't even know. YOU DON'T KNOW ANYTHING. >> I KNOW a lot. Maybe just not when it. comes to my finances, >> buddy. You know HVAC and that's it. >> And plumbing. >> and carpentry and a little bit of. electrical and. >> trade work. >> I could build I could build you a house. >> No, I would never trust you to build me. a house. That is the last thing I would. ever do allow in my life. $496,9.

>> than the houses that go up around here. >> But not nicer than the houses I own. $496.91. is your minimum monthly payment. >> Yes. >> Checking account. Who has USAA? >> Me. >> Okay. 1,300 in there. Not horrendous. 25. zelda. >> That was probably. >> got some [ __ ] [ __ ] Apple cash. money sent 140. 464 must have been your deposit. >> Mhm.

>> When is I got some [ __ ] When is I. got some [ __ ] Wins. I got some. [ __ ] Wins. I got some [ __ ] $10. sent out. Wait a second. I got some. [ __ ]. $21 went out. Cash app. What are we. doing with all this? >> Uh my brothers or will like transfer. money to each other if like we're at a. store or they'll be on a job site and. they'll be like, "Can you get me some. drinks or food or something?" AND SO. >> OR VICE VERSA. I'LL ask Burger Stand. Group $56. W I got some [ __ ]. Las Palapas.

80 bucks. San Antonio Zoo. Cash App Cash. App 170 there. Cash App 150 there. Storage. You paying for storage? >> Am I? >> Yes. >> What storage? >> I postal. >> Oh, that's for my um that's for my my. company. I guess I have a DBA and I have. to have a like a mailbox for it. >> Why not your house?

>> Why use my house? Ah, >> so you don't pay? >> You can't. >> Um, it's not my house, so I don't know. if I can. I rent the house. >> I don't know. Even just pick a random. like I don't know. What? Mine was my. house forever. Maybe I was doing that. illegally. >> Did you own it? >> Yes, I did own it. I a place you rent. That's a good question. Actually, I. don't have the answer. Fair enough. >> Okay. Hey, that's. >> Do you know. >> exactly? And guess what I'm going to do? I'm going to look it up later. So, I do.

It's weird how that works. When I got. some [ __ ] I got some [ __ ] Cash. app out. Cash app out. The clothes spin. Disney Plus. Cash app out. Cash app out. >> Close spin is not [ __ ] That is. laundry. >> We don't have a washer and dryer in the. house. >> Can't afford one. But we could rent one. >> We could. We just didn't have space. >> We don't have a space to put the ability. to buy. >> Okay, calm down. >> Apple cash sent out game Xbox game. I. don't even know. Maybe it's game pass, but it just says Xbox. Probably the game. pass I buy from Marvel. >> Prime Video more I postal storage again.

so two times in one month. >> only should be one. >> two businesses this time Amazon Prime. Apple bill Apple cash out zel Netflix. Microsoft Amazon Home Depot. >> I POSTAL STORAGE APPLE BILL IPO storage. $14 there yeah you're getting this IPO. storage dude it's like. >> I thought it was only supposed to be. it's supposed to be like a going is a. [ __ ] yeah you don't Yeah look at. your accounts [ __ ] put to Dallas. It's automated. It would tell you like, "Hey, what's this? This is reoccurring.

What the [ __ ] is going on?" It would. automate it immediately. Bigs 205 going. get into [ __ ] Selling out 275. Your. checking account started with 38 cents, ended with $6. What the is wrong with. you? >> Money doesn't. >> Apple bill. Apple bill going into. [ __ ] Maybe don't do that. Little. Caesars, maybe don't do that. Apple. bill, maybe don't do that. Little. Caesars going inside [ __ ] Maybe. don't do that. You don't have money. Going inside [ __ ] Maybe don't do. that. You don't have any money. When I. got some [ __ ] maybe don't do that. You don't have any money. Apple bill. Maybe don't do that. You don't have any. money. When is that just a [ __ ]. Maybe don't do that. You don't have any.

money. Have you ever considered that? That's an interesting solution. Phone give now. Oh no. If you're looking for all the. subscriptions, it's probably going to be. on my phone. >> Give. Okay. Crunchyroll, Apple one, and not. Hammer Lee. got just here which doesn't. really make sense. Yeah. Hammer leaf. tour the good one has three premium.

shows posted every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. >> I don't pay for it. My. >> I know, but the value for the money, it's the best there is. That's why it's. number one. She's paying for Gmail and. iCloud and Canva. Where the you paying. for Canva selling vapes? >> I love the wedding stuff. I've been. doing it like our. >> Yeah, we can really afford a wedding. $10 in savings. $0 in this one. >> Yeah, I. >> think I only keep $10 in cash. owe money. to cash app. Your account's negative. 241. >> Yes.

>> That's been negative for a while. >> Why? >> Same thing with my credit card. I. borrowed the money and then I. >> I buy the money. >> borrowed and then didn't want to pay. >> the money. I borrowed. >> what? I borrowed the money from cash app and. the cash app borrow thingy and then like. kept forgetting to pay it back and or. just not paid it back. >> How much bad debt do you guys think you. have? 15 to 20. >> I feel like mine's around like 3 to 4K. Personally,

>> the household [ __ ]. >> Oh, >> you're getting married in a couple. months. >> I'd say. like 10. >> Okay. 22,000. >> Oh, that's probably with my friend's car. in there as well. >> Is it? >> Yeah. Got a friend with the car and. >> one. Tell me. >> I I helped him get a car a few years. back and he was supposed to be making. the payments on it. You borrowed it. though? >> No. >> No. I was this I was one of the signers. >> You cosigned on your friend's car. >> He was the main. >> I've learned my lesson. And.

>> have you? >> Yes. I I will never do that again. But. >> he crashed it. >> They I guess the insurance didn't pay. out all of it. So still owed a few grand. on it and he still hasn't paid it back. and I I'm not going to pay it back. That's for him. >> Are you still friends with him? >> Yes. This is the same friend that I'm. like mildly convinced gave our dog ball. cancer. >> Okay. You guys are just pathetic. >> Yeah. >> In life. I'm I'm so done. Your debt. minimum monthly payment is $586.91. $5,500 comes in maybe. I don't know.

Your income's going to zero. So I don't. I don't What's your rent? >> 1,100. >> I'm going to call this friend of the. post show and I'm going to yell at him. Okay. Give me the Good luck. I'm good at. yelling. Give me the gas, electric, water, all the utilities plus internet. How much? Uh 550. >> bone bell normally. >> uh right at 500 496 or something. >> And you pay for all. They don't give you. anything.

>> No. So they will my dad he pays like he. will pay like three or four weeks late. Like he just paid me now. >> Okay. He's off. He's done. Get your own. phone bill. We're doing healing. Do you. guys own your phones or are they payment. plans? >> Mine. Mine's still being paid off. I. believe. >> mine's about to be paid off. >> To be paid off. Okay, then we'll do 140. for phone plan. >> Yeah. And all my brothers pay for this. >> Gas room v room drive. >> Leave that phone plan. It's not an. option. >> Like $2 to $300 a month.

>> Both combined. Okay. Car insurance. >> That's three. 90 something cuz it just dropped from 4. to 300. >> That's pretty brutal. 390. Okay. Food. $600. Use the meal plan. >> She crashes every car. I haven't crashed. in a while. >> TP fund 150. Anything else needed to. survive? Makeup, birth control, whatever. you need, all the good stuff. Medical, healthcare, are there co-pays? Are there. [ __ ]. >> I'm still on my parents insurance. So I. >> Okay, I'm putting in $200 for you to. literally get the worst health insurance. ever, but it will prevent you from going.

bankrupt. Um, let's do subscriptions. 40 bucks. Pets, we have one dog, >> two other health and age. >> She's just turned five. >> Health insurance or health insurance for. her? 50 bucks. Pet insurance. How much. for pet food? >> Uh. >> 40 bucks a week for the big bag. >> It'd be about. 150ish a month. >> Jeez. >> They're about 30 to 40 bucks a month. >> I don't know if you guys are in the. world of being able to afford that, but. we'll find out.

>> Sometimes our dogs eat nicer than us. >> Our dogs are always fed. We not might. not be, but our dog. >> Shut the [ __ ] up. You guys are going in. and buying [ __ ] every day. That is. the dumbest. >> I've actually gotten better. I don't. buy. >> Have you gotten better? >> For the past few months, I have not buy. really. >> objectively. I have last month. Shut up. >> I'm so done with you. $4,256.91. I'm sorry if I'm being rude, but I. literally have Shut up. I literally have. it in front of me, [ __ ] You still.

stop in and get [ __ ] Even if you. pack lunch, which makes it even worse. >> Okay, listen. With the flexibility and. weird medical [ __ ] I'm going to say. there's a thousand left. And that's if. you make your average of 55, whereas you. just need to average out through the. high and low months and save up for the. low months. But even still, at least. with that. So, is your friend's car thing in. collections? >> Yes. >> Okay. Which one is that? Sit, >> I believe. >> Sander. >> Santander. Yes. Yes. Cuz we're global.

lending. >> When When did that go to collections? >> Uh, last summer it. >> Okay. You want to have that credit for. almost a decade? No, he he did tell me. last week that when he gets his tax. return, he's going to pay it off. >> Okay. I doubt he's going to get 7,000. >> He has a child now. >> That'll help, but with someone. >> Mhm. >> Yes. >> He's with somebody who has two other. children as well. >> That tax return money is going to her if. with the child. He's not head of. household. She makes more than him. >> and it's her house. >> I'm going to minus that debt for now cuz.

if you focus on it, it'll be the last. one cuz hopefully he grows up. But I. have no hope in that. So, bad debt, $14,724. with your obviously $1,000 a month. Takes 14 months, 15 months to pay off. Then a fully funed emergency fund, and. then start investing cuz you guys. obviously have nothing. It's all very. basic stuff. The thing is, it's not. complicated. You guys are just losers. You can't have conversations. You can't. do anything. You can't talk to each. other. You can't stand up. You can't. advocate for yourself. You're going to. quit your job. You say, "Nobody hired. Like, shut the [ __ ] up. Shut the [ __ ].

up." You will have a thousand excuses. why this will not happen. But it's the. it's one of the easiest things I've. filmed in months. Easy as that. I'm. soing done. I am so done. And sell the. bus. Pay off the debt. Stop being a. dumb. >> Okay, then you I don't give a [ __ ] I. don't give a [ __ ] Then if you're not. willing to sacrifice, I don't give a. about you then. >> Does Does that have to be a sacrifice? >> Yes. All right. I'm doing the Hammer. Financial. Shut the up. I'm doing the. Hammer Financial score. Join us in the. posture. I'm done with you, dude. You're. not willing to sacrifice, die. >> It's making me money. >> Shut the up.

It'll make you more money selling it, paying off the debt that have minimonly. payments, dick. Hammer financial score. Spending in a. budget 0 out of 10. They overspend by a. few hundred bucks. Surprising know it. was only that. Debt collection 0 out of. 10. Emergency fund 0 out of 10. There's. nothing. Retirement nothing 010. Real. estate 0 out of 10. First in a honestly. long while. Hammer financial score 0 out. of 10. Get your cable hammer.com. Join. Hammer Elite. The best membership on. YouTube for a reason. For the post show, I'm going to call this friend. I'm going. to talk to him. Oh my. There is.

something crazy. Okay. [ __ ] Okay. We got to talk about. Mexico. Oh no. >> No. God. >> Show. What the? I'll see you guys there. >> No, we didn't. I had to bribe him to. stay out of jail. >> How much did it cost to bribe a cop? Oh. my goodness, dude. You could have got. column. Hammer Elite is the best YouTube. membership on the platform, and I just. upgraded it. Three exclusive dedicated.

shows every single day, Monday through. Friday. Join with the link in the pin. comment or description below. This is. the best membership you'll ever join. That's a promise.