$369,000 Of LGBTQIA+ Debt | Financial Audit

Are you his little He just shued that. drink from you. >> Spend money now. Call it good. And if. you could pay it back, cool. If not, it's just money. >> That's his response pretty much. See. what I'm saying? >> You It's going to He's going to get so. pissy at me all the time. >> But he's trying to get his together. >> Yeah. And he's getting his together. enough. >> Yeah, but you are holding him back. Shut. the. >> No, please. >> He's destroying your entire life. You're. going to be dragged to the depths of. poverty because of this. >> You came for the finances. What if you.

could have more? Join Hammer Elite this. month for free and discover what the. number one membership on the platform. has to offer. >> Helicopter. >> See description for more details. >> Hi, my name is Shaggy. I'm 30 years old. [music] My name is Bastion. I'm 29 years. old. We live in Colorado Springs, Colorado. And this is Financial Audit. >> The Gays. We love the gays. Welcome the. gays. >> Thank you. >> I'm excited to have you. This has been a. little infinity stone we've wanted to.

collect for a while cuz we the lesbians. love financial audit and we love the. lesbians. Finally, the gays have come. on. >> Yes. >> Where have the gays been? I don't know. what's taking so long. You look like the. guy in the wheelchair from Glee, by the. way. >> Do I? >> He looks like the the gay guy in the. wheelchair in the [laughter] gay Glee. show. >> So, I kind of thought that was you for a. while. >> I love Glee, though. >> Well, yes, you're a gay. That makes. sense. Um, let's play a game here. I.

instinctively, this is a finance show, wanted to think top bottom. However, then you come in with all this fem stuff. and oh [ __ ] that's that's like a. >> puphood. It's a pup hood. Yeah. >> Oh, pup. It's not furry, it's pup. >> It's a puphood. >> So, if he's pup, I'm thinking he's. bottom, you're top or we're just verse. kings and we touch butts. >> Depends on the day. We'll see. >> And this is a financial show reminder. >> Yeah. >> Did I guess right? No, you're wrong. >> No, >> I gave pretty much every option.

Honestly, >> he he gave all the options, so there's. no really way for him to be wrong. I. mean, >> he's the top. I'm the bottom. >> Called it. Second attempt. Second. attempt. >> Yeah. Yay. >> We love the gays. And the gays got. money, too. Now, honestly, my hypothesis for why the gays haven't. come on the show very much is because. usually lesbians disaster. They have. horrible finances. They move in. immediately and they [ __ ] everything up. The gays statistically, gay male couples.

usually do really well. >> You think the past secretary of. transportation, Pete Buddha Judge, he. has a black child. That's exciting. And. you know, >> we're doing bad about our finances. I I. >> gay men don't like normally, but you. guys are to be on the show. lavish. vacations if he ever wanted, you know, want to Ruby take care of. >> Well, and the pup cups, I'm sure. Yeah, >> pup cups. [laughter]. >> But I'm just on average.

>> Yeah. >> The gay male couples tend to do pretty. well. Have you guys Do you guys have a. black child yet? >> No. No children here. >> No, I don't want to have any gremlins. I'm good. >> We don't call them that, >> but. >> it's a little racist. >> No, they're a little gremlin. >> You're excused to be homophobic, I. believe. But on the races level, >> I I think he just means all children. Not not not specific. Uh. >> there's some good specific. >> Nothing specific. No specific races. being called gremlins. It's it's just.

gremlins as far as all children. >> You got the fem accent even for a top. I. love this. This is just so exciting. This is just so exciting. Uh Shaggy, you're the one in front of me, I guess. Okay. So, you picked Shaggy, didn't you? your fake name cuz you're the little. >> um people told me I look like Shaggy. from Scooby-Doo. >> I hope that doesn't mean he has a shaggy. [ __ ] for your sake. But what do you. do for a living, Shaggy? >> I clean homes and businesses. >> You don't know what you got yourself. into, do you? I've seen it on your face. right now. >> I definitely know what I got myself. into. It's just. >> I see the shock on his face that I am.

relentless so far. >> Too much. >> Oh, absolutely not. >> Oh, good. Good. He just looks like that. all the time. Okay. What do you do for a. living? I clean homes and offices. >> Do you dress up as a sexy maid as you do. it? >> I want to, but no. >> No one else wants you to is the thing. But you seem like someone that would. >> I would definitely do it if it's for. proper. No, I think I should. I can make. probably more money. >> That's That is non-conensual. What do. you make? [laughter] What do you make.

>> cleaning houses? >> So, >> you look like the dirty one. You look. like the clean one. Yeah, you are the. >> You were dirty. when I did like TLE for. Walmart. I would come home soaking oil. >> The tire lube express for Walmart is. where I used to work. >> Um, so no, my job is just chill, simple, easy. I love it. >> Um, >> good. You're Well, you're cleaning. Yeah. >> Are you on a schedule or are you getting. random bookings? >> Um, I have for the last like five years. I've been doing this, I have had very.

set Yeah. >> Um, well, so 10. So, we're talking about. Walmart from 10 years ago. I guess I. don't really care about that. >> Walmart because I was doing both at the. same time. So, I was doing Walmart and. then I slowly eased into more cleaning. and more. >> Walmart. Uh, no. I technically got fired. slashquit. So, uh I. >> Wait, no. That literally makes no sense. Those are very conflicting. Or was it a. quiet quiz situation when you did enough. to be fired, but you're trying to be. quit? Um, so at a certain point, um, I.

got to a point to where I had a lot of. clients and it was hard to keep up with. doing morning work and then doing. clients at the same time. And I kind of. realized that I just make more money. >> I mean, more money cleaning with clients. and I work half the time. So, like I. could work 4 hours and make like 150. bucks or I could work 8 to 10 hours, 12. hours. I will do move out cleanings,

too. And I can make anywhere from $350. to $1,500 for that. Um, but that's a lot. of work and it's a lot on my body, but I. enjoy doing it even though it's a lot of. work. >> Okay. Well, what do you make then? Because that's the important part here. Um, so I can make anywhere from like. 40,000 to 100,000. >> Okay. Yeah, but what do you make, dude? >> I like. >> roughly 56,000.

>> What do you make per month is what he's. trying to get per month? Well, either. way, but I just don't even fully believe. [clears throat]. >> the easy number. It it varies. Four four. to eight. >> Four number. If I've been trying to get. the same answer out of him for months, I. could really. because he. >> he's been trying to get an answer out of. you. Why are you not giving him an. >> Because he. don't really know the answer as well. I. just do it per day. >> But if he wants to know the answer, why.

aren't you going in and trying to find. the answer then? Okay. How long have you. been trying to get the answer of this? It's uh probably I mean since he started. the whole uh working for himself and. doing the house cleaning. I've been. trying to get an answer on how much he's. been doing this for about 2 years now uh. full time. >> For two years he's been trying to get. how much money you bring into the house. and you're doing nothing. >> Why aren't you trying to communicate? Are you trying to communicate? >> I communicate well enough. The most I. could do is I disagree with that. I I.

mean, I've gotten answers between $1,000. a week up to $1,600 a week. And that's. before he takes anything out for taxes. So, when I did my somewhat budgeting. that I was trying to do, um it was I was. basing it off of $1,600 a week coming in. off of from him. And that's on like a. high number. The low number I've seen. the worst it be like 6 to 800 for the. lowest. And that's if clients will call.

it off or I just have multiple things. >> What can I put down for his monthly. income? Do you do you guys have a. combined household? >> We have a joint account but not separate. but. >> does the pay go into the joint or does. he have to put it in. >> whatever we have for bills goes in for. bills and we just call it good at that. And then after that we just spend our. money how we feel. >> So what goes into bills then? What goes. into the bills account from you? >> For me now because I'm paying all the. bills. Why why why is he paying all the.

bills? >> Uh we sat down a month or two ago and I. cuz I took a look at the amount of debt. that I was accumul had accumulated and I. said, "Hey, I need you to please try to. pay as much of the bills as you can. during the month so that I can put all. of my extra funds towards paying down. these debts because that's the only way. I'm really going to be able to get out. of them is if I just focus as much. income towards those debts going down as. I can.". Okay. Well, okay. Yeah. I mean, that.

sounds like you sounds reasonable. So, what the is going on? >> Um, >> so what the is going on? >> So, I spent a lot of money two years ago. and a year ago. Finally getting out of. that. And now. >> getting out of that. Okay. How much did. you spend last month? >> Last month? Uh, yes. >> If we're finally getting. >> If we're finally getting out of that, I. want proof that we're finally getting. out of that. What was spent? What was. the outflow? What was the inflow? What was the outflow total of accounts?

>> Roughly 4,000 like 11,000. >> It was $13,440. $13,440. $13,440. So you've been getting like I'm I'm I'm. happy you sound like you're setting up. like a reasonable talk. Great. >> Yeah. >> Okay. But that's not reasonable. We. >> It's a lot of money, but I mean we're. still managing with it. So how is that. possible? Income was 10. So you spent. two more than you brought in. Three more. than you brought in. It's. >> fine. Whatever. >> How? No. Okay. Well, okay. With that,

then you're just going to get dragged. on. What the. >> Well, >> is that his immediate deflection? Just. [ __ ]. >> I mean, >> if that's how every conversation goes. the moment he's like, you know, I'm. actually starting to dig out of what I. put myself into two years ago. Gets. confronted confronted with the reality. that maybe not, then he's like, "Oh, it. doesn't actually matter." It's that's. kind of where he's at with most of the. debt and the that type of situation is. uh get why why why worry about it? We're. going to be dead one day. So why don't. we just let. >> you will be dead one day. What about.

prepare for the statistical likelihood. that you will be in your mid60s7s 80s. potentially together? >> I don't I mean I love it if we're. together but I don't foresee myself. living past a certain point. >> You watch Kill Tony? >> You don't know Kill Tony? >> I've seen of Kill Tony. Yes. Are you. [laughter]. >> I am special in a way. Yes. >> Are you stupid or something? >> You remind me of his golden ticket. winner, Martin Phillips.

>> Okay. >> Was kind of always like I he talks like. this and he's But he looks like that. >> Thanks. >> You look like the gay beard. >> At least I'm really handsome. >> I don't care about my dad. >> I don't is how he sounds. But you just. do the movements without the voice. thing. [laughter]. No, I He's not. I care about my dad a. little bit. >> He definitely has the intelligence. behind him, but he is definitely. special. >> Yeah, I'm special. But. >> when you say special though, special.

covers, why. >> he has not diagnosed? >> I never diagnosed myself. I've been kind. of curious about. >> You never diagnosed yourself. Well, that's good. >> I just kind of live on a supposed to. diagnose himself. I hope not. >> What are you living with? You're just. talking. You're rambling. You're. tism to the max, I would say. Right. Maxism. >> I would not disagree with that. >> Typically, >> make sure you wear a condom. You don't. want to get it. >> I I I don't think that's contagious. >> But I like it raw. Be surprised. Okay. >> Well, listen. We're not getting.

individuals here. We'll make jokes. We're not getting individuals. [laughter]. >> Yo. Okay. No. No. It's fine. We love the. gays. I love the case. That's that's. okay. Um, so how can you manage this? How can you deal with this if it's. immediately for everything? One, he is. not willing to work with you to figure. out what he actually brings in. financially. And two, whenever there's a. financial conversation, he's like, "Oh,

what does it matter?". >> It's definitely been a struggle. I mean, I've been doing my best to take care of. my things and then kind of giving him. the trust to take care of his things so. long as he. >> How is that trust not completely broken. and fried and destroyed? >> I still put I still communicate enough. to where he knows what I make in a day. and what I can put into the bank every. day. >> Okay. If he know if you know what he's. making a day, can you not just do the. math then? >> That's your eyebrows are triangles. >> I've never witnessed this before. They. are triangles. You have triangles on.

your forehead. This is interesting. I. got a collar here and triangles here. I. am just I meet such interesting. interesting creatures. Good. And I'm. happy to entertain you. >> Trust me, I don't look great right now. either. I had I had an accidental fine. No, you. >> accidental baby face today. >> Accidental baby face. So, okay. You. should know how much he makes. >> Um, he's not That would not be accurate. He does not tell me what he makes daily. Yeah. So, he's lying. So, what the [ __ ]. is happening? I will.

>> where is the disconnect here? >> I I will see what goes into his bank. like into the joint account, but that's. about it as far as like seeing what. >> but that's different than him knowing. how much you make when you come back. from work for a day. >> Yeah. Well, h I do my best. I put money in account. >> Do you tell him or do you not? >> I tell him to a point. If he asks about. it, I'll be on it. >> The point. >> What? is required to ask you 365 days a. year for you to be an adult and a caring.

partner. Are you guys married? >> No. No. >> Are we trying to get married? >> How long have you guys been together? >> We've been together for 10 years. >> 12 years. >> Two different numbers. >> It would have been. >> You told me 12. >> It would have been It would have been 11. in October. >> Okay. Close. >> Tinder Grinder. >> Uh not really. >> in person. >> Uh yeah, high school. Um our friends. >> high school sweetheart. connected Stalin in the men's room. >> No. >> Perhaps. >> Nope. >> Nope. No.

>> We didn't go to the same high school. >> No. Yeah. We went to different high. schools. So, my best friend was dating. >> I don't care. >> So, this makes me very confused. Your. whole dynamic in terms of how the. finances are confused. Everything he. says makes himself look okay for a. second. You're like, "That's not even. close to what happens." And he's like, "Well, but I do to a certain extent.". it. Do you not feel in some kind of way. that Mr. Shaggy here is honestly just a.

straight up bad partner in this regard? This regard? I'm saying this just this. >> uh not entirely. I mean, >> how can you say that? He He is requiring. you to ask him for how much he makes for. him to communicate that in any way. whatsoever. And he will not no matter. how many times you have asked. >> No, I have. I gave a rough estimate. And. then he doesn't get a rough estimate. though. You probably don't even know cuz. you don't track your own. How can you. give a rough estimate? It's real rough.

>> Most rough is rough. [laughter]. >> Um I mean just I just see what goes into. >> rough. [laughter]. Oh [ __ ] sake. I will burn that. [laughter]. >> You're into the pup play. >> He is into the pup play. I'm into the. public play, but I don't like. >> not like in the world of beastiality. >> No, not really. Um, it's more. >> man says it could be yourself.

>> Well, I mean, is he wrong? >> Dogs and yourself. >> and animals. >> Um, a lot of people like to get into the. whole role of being a pup and being on. the floor, rolling around, chasing a. ball. I could really care less about. that. I just enjoy being myself in my. mask. >> So for him, it typically does not extend. into the bedroom. >> We've gone to like bars to where pop. mosh and he made me crawl on the floor. and do that kind of stuff. It just makes.

me really nervous and it's still just. >> it's it's an enjoyable experience, but. it's not for me on that part. >> Okay. So, how is he not a bad partner. financially if all of what I just said. is true? No, I mean I can definitely see. where you're coming from with that. I. mean, but he's mostly been trying to. keep up with what I ask. I mean, so long. as he's been. >> But he requires you to ask daily or else. he won't. Correct. Why? Where's your. brain? Do are you not able to manage. anything.

>> in a responsible adult fashion? >> Yeah. I mean, I I just manage on a. day-to-day basis. >> Barely. You're not managing on that. day-to-day basis, though. managing would. be responsible and respecting what he's. requesting. >> Unless you disagree with what he's. requesting, do you? >> Not really. >> Then why the won't you put in any kind. of effort on a dayto-day basis? Cuz if. you're managing on a day-to-day basis, that part would be included on it. Oh, Shaggy doesn't want you guys to get. married. Correct. >> No, I don't. I don't like a little piece. of paper that kind of just screws you.

over at the very end of it. >> What's to screw over at the end? because. it actually benefits you especially uh. tax benefits and it benefits you upon. death for protecting your partner many. times. I mean, sure. Like, >> and under legal things, if someone was. sued, you're not required to testify. >> There's benefits that come with a. marriage. >> Okay. We've definitely been over this. and and you argue about it every time, saying that you don't think it's a. necessary. >> People screw you over when you get. divorced. >> Do a prenup, I guess.

>> Yeah, that would be it'd do a prenup. And I mean, you talk about these things. like it'd be cost a bunch of money cuz. divorce ultimately doesn't cost a lot of. money if you have agreeable divorce. Cuz. yes, you have to get a lawyer and all. that kinds of stuff when you, you know, are being bad, but that's in the event. of the lowest divorce rate in the. country. >> Yeah. Like you think that we're going to. have a divorce and that's why you don't. want to get married. >> I mean, if you don't figure out this. finances, probably that's one of the. leading causes of divorce in this. country. I don't know for men. specifically, but. >> finances, >> huh? A lot of people up on finances, but.

this is how you kind of live and learn. >> You did. You do. You are. >> Up is the saving right now. Oh, I can't. save you. Saving. Look, dude. You. literally 3,000 more win out of the. household than came in. >> Saving. That's not even a part of the. conversation. They can't be both of us. >> Yeah. I mean, >> well, he says it's on you. >> I don't I don't have any courage or. anything, so I can't put more out than I. make or. >> Well, why do you think it's him? Why are. you saying that? What do you think he's. doing? >> Um, he's just spending his money what he.

wants to spend his money on, which. >> is true, Bastion. Are we just blowing. money everywhere? depression. Depression. spending. >> Let him talk. >> He He's not good at that. He likes to. talk over me as much as. >> he just doesn't shut the up. You need to. wear like a gag. >> muzzle. >> along with all that [ __ ]. >> Um but yeah, no, I've definitely spent. my money on things that I wanted and. then I mean it said there's definely. been less of that. >> It's the ongoing more that's an issue.

more than just a one-time thing cuz. again $3,000 outflow more than inflow. What the? And you guys can't tell me. where that possibly went, can you? >> I can't tell you where it went. No. >> Why? >> Why? Cuz we don't communicate enough. properly to. >> You just said you did. You literally. said you communicate. >> My money like. >> Okay, so why is your money not being. communicated to him? 12. >> 10 to 12 years under Stalin or not? Why. are we not communicating our finances as. a household this far in? Cuz you guys.

are practically like common law. marriage. We are common law married to. me. >> So there you go. Why aren't we. >> in any way whatsoever communicating back. and forth? Cuz you're not either. You're. pissed that he doesn't but you don't to. him. >> It's not that much of a worry until it. gets to that point of. >> it is that point. >> Yeah. Now. >> guy. >> Yeah. Now let's to that point. >> Yeah. No [ __ ] That's why I'm saying why. have we not communicated then to you? To. you. We already know you but you to him. I I I was uh afraid of approaching what.

I where the hole that I was digging. myself into. And. >> why? What do you mean? >> I I was having. >> No, no. To him, his knowledge. You. approach his hole on a daily basis. You. can approach that one as well. So why. can't you communicate this? >> I I just didn't want to really admit the. the hole I had dug myself. >> What would happen if he did? What would. he do? >> Yeah, I would have helped him out and we. would have figured our [ __ ] out. probably plan a little budget and not. stick to it. >> You think that's what would have. happened? >> We've done multiple. >> budget so cuz I mean we've definitely.

tried to do budgets a couple few. different times to not Okay, then why. would you say that's the solution that. would have happened then if you guys. never stick to a budget. >> because we might take it seriously. >> What would change? uh being. not to that point of taking it. seriously. >> Yeah. Not not having like if you wanted. depression spend and be just. >> depression the shut the everyone gets. sad here. >> working too much.

>> Everyone cops you need coping mechanisms. if you actually have a clinically. diagnosed issue. That's something you. have to work on with a therapist. But. the. >> screw therapy sad. >> No, you need it more than most. >> Look at you. You can't stop talking. You. can't stop moving. You're full and. Phillips are not just twitch twitch. [laughter]. That's what I'm That's That's what I'm. saying. Big guy. Okay. So, how does the. communication work around when we have. attempted these budgets? What does that. look like? >> Um, we've kind of brought together the. bills and the debts that we currently.

have and then I'll take the income that. I have and whatever I can get out of him. for the month, >> which is just. >> whatever you can get out of him. So, that's not even like how we can't build. off of that. That is already a. foundation. And that's just like. breaking. It's broken for you put. together. >> Well, for me, it's like when we would do. that budget, we would just go through my. bank and go see how much money I put in. for the month. And then that's kind of. how we did it. And it's I think it's. been working kind of.

>> I mean, the bills have been getting. paid, but. >> that's the most important. >> Usually when people say that there are. late fees, but we'll see. >> Oh, there's definitely going to be late. fees. >> It's not bills being late. They're not. being paid on time, but they were being. paid. >> Piss me off. >> How do we communicate when we sit down. and talk about this? Run me through it. How do these conversations normally go? >> Let's see. Um, we kind of I mean, we sit down and we go. through the bank statements. We go try.

to consolidate. >> Give me the conversation. What happens? How does this actually look? Because it. has not worked before. Well, it's. usually of a, "Hey, I'm broke as shit.". >> Who says this? >> I tend to be really broke at the end. And. >> I would see both are, but okay. You walk. up and you say, "I'm broke as shit.". >> Yeah. Basically, like. >> what do you what's your response? >> Well, that's usually when we go into the. like where what money do we need in. which places for what things?

>> Uh-huh. And do we agree on all these. items? >> Typically, yeah. >> Typically, yes. Okay. There we do. disagree on some stuff. >> What do we disagree on? >> Well, it's a stupid [ __ ] that you bought. recently. >> I don't know what. >> stupid ass PS5 Pro. You have your Ky. briefcase and. >> he's a gamer. >> Spent too much money on [ __ ]. >> Agreed. Probably. Okay. >> Yu-Gi-Oh collection, Pokemon. Holy. >> Stick to one, dude. >> No, he has too much. And it's fine. It's.

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>> 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. >> Yeah, I mean, we have the things and I. have the things because of my hobby. hopping and because of the uh like I. very much fell into like cope spending. on nostalgia was what I was doing. >> Yeah. And I'm a hobby hopper, too. I get. excited about things real quick. You. just have to I'm talking. >> Fine, I'll let you finish. >> What? Like, what are we doing?

>> Do you just not hear people? >> He likes to hear himself talk. >> Yeah, I like to hear myself talk and one. ear out the other. >> I'm the interrupter. Hear how I just did. that? I interrupted you. That's what I'm. allowed to do. So, >> okay, I lost my train of thought. Listen, I'm a hobby hopper. I get it. But if you're able to acknowledge it, of. which you just did, you need to stop. yourself in the moment and tell yourself. and challenge those thoughts. >> Yes. And it's. >> Well, he disagrees with this. He says, "When you guys have these talks, you're.

going and blowing on PS5. [ __ ]. [ __ ] Yu-Gi-Oh! [ __ ] Bullshit.". >> I mean, that. >> Pokemon [ __ ] [ __ ]. >> That was him getting into the moment. I. mean, we're not having those types of. talks in the moment when we're having. talks about the finances usually. >> Well, shouldn't we? Because that's if. that's where a lot of the money goes. If. there's anything extra laying over, we. need to decide where that money is. going. But if it's all going to PS5, Yu-Gi-Oh's [ __ ] [ __ ] [ __ ]. There is no money to go anywhere. >> But like I'm not good about it, but he's. good about he's got his stocks and.

savings and 401k that he's built up. I. haven't done [ __ ] like I pulled all. that. >> That could be good. You can be good in. some and bad and everything, but make. the overall situation still bad. That. doesn't matter. I mean, know like I'll. compliment that when we get to it. I. don't know what it is. as we'll see. But. this is a lot of paperwork. I don't. think you understand. This is not a. normal amount of paperwork for this. show. This is substantially beyond the. median, beyond the average. >> Okay. So, you guys agree on most in this. conversation and disagree on some. How.

do we approach these disagree. conversations then? Um. >> I mean when we disagree we generally try. to find a common ground at how do we do. this? Do we actually. >> or do are we both satisfied? Both. dissatisfied. Is there a winner? Is. there a loser? How does this look? >> I feel like I typically tend to lose a. little bit on it. But at the same time. it's also. >> Is he the loser. >> in these conversations? Sometimes, I. mean, I tend to be a little bit more. overbearing in my arguments cuz I do get.

a lot louder when we argue together. >> Really, you seem very passive in this. >> He likes to make his points of that he's. right. >> Show me who you are. What do you. actually like? I mean, >> like I want you to be you. >> I mean, a lot of it was just nerves and. being, you know, here and getting to. this point. So, >> that's okay. >> Um, just having getting to that point, I'm starting to get more comfortable and. I'm starting to be able to talk a bit. more. It's okay. Don't you worry about. it. I just want you to be you and I.

certainly want you to be comfortable. But these conversations around finances, I usually start with this as the topic. when it comes to couples because if I. don't know how your conversation goes, how the can we walk away from here and. be able to change anything cuz it's all. about communication after here. >> Correct. >> Okay. So, we disagree on some things. You make your point louder. You walk. away as the loser. So if he is often. times walking away as the loser and we. are not actually meeting a common. ground, it's a more overbearing ground.

Now I kind of understand maybe why. potentially Mr. Artismo over here is not. actually providing the change, providing. the communication because he always. walks away feeling like defeated. >> Yeah. >> Like he is walking away as the. insignificant one in the relationship in. the decision- making. Is that fair? Is. that a fair sentiment? >> But then also, he also needs to just. kind of. >> put a better foot down and be able to. actually speak for himself because he.

likes to get to that point of like when. I do get very like. >> passionate or loud or anything like. that. And then. >> you have to be able to advocate shuts. down and then he like he he might leave. the conversation feeling defeated, but. it's not. >> Well, how hard are you put hard is he. pushing at that point? >> It. >> What does it look like? It just kind of. depends cuz sometimes he's fine about it. and sometimes he just goes over the top. and. >> where you lose though where he goes over. the top. What does that look like? >> Um.

just kind of just hurts for a little bit. and then I get the over it. >> Why does it hurt? What happens. >> in these conversations? Why does it. hurt? What is over the top? >> It's just the emotion that goes into it. when he's talking. >> Tell me examples, guy. um. can't give any examples that the second. thought. >> well he's asking you to give an example. of when you have felt hurt. [clears throat] coming away from these. types of things I can't give you that. that example. >> you can't. see.

yeah sorry there's nothing I give you. about that right now. >> what then how can you say it's a thing. that happens if you can't even think of. one instance it doesn't have to be. detailed description of what's happened. but just an average like shot in dark. like just normal like what it looks. like. >> I'm like getting yelled at about. >> he's yelling. So he's yelling like this. He's yelling like that. >> at the end of the conversation cuz I. tend to push it and I keep going. >> You're going LIKE THIS. YOU'RE YELLING. >> There's definitely going to be a point.

when I get a lot louder cuz like as you. already experienced kind of interrupt. whenever we're talking and. >> so what is he saying? to get louder and louder and louder. >> Gets louder and starts maybe cursing. every once in just like. >> basically. Yeah. Just tries to get the. point through. He goes like this where I. just. >> as soon as I start theing the the [ __ ]. and all of that is when he starts. getting his feelings hurt and that's. when he starts shutting down and doing. all of that type of thing which I mean. is fair and I mean. >> it's not necessarily the most uh healthy.

way to do the conversation outside of. the show. Of course it's very healthy in. here. Of course in every way whatsoever. I'm so relieved. >> Of course. >> Yeah. And that's fair that he was shut. down. That's a traditional natural. response for most people, I think, when. getting yelled at and getting sweared at. and saying racial slurs towards him and. what else we're doing, you know. I think that is fair. Um, okay. Well, we'll probably loop back to that then. Uh, but let's jump into the finances. What do you guys think your household. financial score is altogether combined?

>> Two. Three. >> Yeah. If you want your Hammer financial. score, get it for free at. calebammer.com. See where you stand in. the world of finances, where you need to. do better, where you're doing poorly, and what you need to do to do better. And remember, if you don't want to be. like a guest who ends up as a show, remember, they've been struggling to. make a budget, struggling to stick to a. budget. Download the Dollar Wise. budgeting app. There's a free trial for. you to just check it out. See if you. like it. New features being released. every single month. Tens of thousands of. active users for a reason who are. changing their lives because it is.

incredible. It is exactly what you need. to do to stick to a budget, to build a. budget, to manage a budget. Check it. out. Free trial dollars.app or link in. the description below. You can sign up. for the annual version. If you like it, saves you a lot of money. And when you. do, I will personally. send you a signed version of my budget. friendly cookbook and mail it directly. to you. Both of those links are in the. description below. Check it out. Let's. get into this money cuz I mean. again this is not a normal amount.

>> No. >> to consider you're getting on the right. track. there. That's not possible. I just based. on everything I've seen four times a. week. three and a half years not possible. So. grand vacations. What the is this? >> Yeah. The grand vacations. >> Yeah. So, I kind of got roped into that. Uh, we were at Pride and I. >> Pride. Where is Pride? >> Denver Pride. It's in what is Civic.

Center? >> I was gonna say, is there just one. Pride? I would. >> everyone. but at Pride like Okay. Denver Pride. >> Denver Pride. Yeah. So, you kind of got. roped into it. I have issues. >> Get roped into what? >> Uh, I'm sure there's lots of time share. time share. Um, it's a fractional. fractional real estate. >> So, they offered two nights of a stay at. their lodge, right? Yeah. Outside of the.

rope you in. Cool. >> And was it a gay lodge? >> No, it was actually the bougie lodge. We. got the fancy bougie lodge at the top of. the hill. that I've literally only used like once. >> Clean houses. You're getting a fancy. bougie lodge. Nothing else $1,000. And. is it the fancy bougie lodge? >> I the what they showed us is really. nice. Even though we haven't been in. there cuz I've been using. >> You haven't been once? >> I've been to you get this. >> like a year or two ago.

>> What? And you haven't been once? >> Uh we haven't been into that hotel. I've. been using the points and stuff that we. go do other stuff. >> What the How have you not visited it. once? What? >> I went there to go snowboarding. >> Who got sold on this? Were you there? I. was there. And. >> I let him uh Why? Why were you going. along with this? >> Yes on it. >> Huh? >> He let me say yes on it. >> Why? >> Cuz I can't say no. And we thought about. >> Who can't say no? You can't say no.

>> Me? Yeah. I mean, I feel like. >> Okay. So, you walked them up to the. pride booth and the. >> I walked up to the pride booth and he. kind of the dude over there roped me up. into doing it. I'm like, "Fuck it. A. little mini vacation. Let's go do it.". gets us out of the house and gets us. going. >> So, you'll have an maintenance fee. forever most likely. Correct. >> Correct. >> Correct. Correct. >> [ __ ]. >> Correct. Okay. Plus, you owe on the. actual share you've purchased $14,84149.

currently at a 15.9%. interest rate of death with a minimum. monthly payment $268.69. 100 payments left. And we also put like. 2 or 3,000 down. What was. >> plus an extra $50 to $60 a month. >> for the HOA fee. >> Free HOA fee that months a year. Don't. pay outright and we put into a 10-mon. payment. >> Oh, for like $500, $600. I don't want to. pay it all at once.

>> Why would you get into something that is. soing hard to get out of? >> It's soing stupid. I hate it so much. now. Like it's cool to get to go on. these lavish VACATIONS FOR CHEAPER. GO. ON LAVISH vacations for cheaper using. travel advisor and [ __ ]. >> Cheaper? No cheaper. You're paying this. forever. You got a 15.9% interest rate. You can't use the word cheaper. You. don't know cheaper for like nine more. years. We pay it off and then we get a. HOA fee for the rest of our life. >> Exactly. Will you ever try to sell this?

Have you tried to sell this? >> I've considered selling it, but I. haven't looked into how to do it. And. >> it's been over a year. So how they. >> you guys can't afford to live. >> is that we barely right. Um. >> but you're spending more than you make. so I would say yes. >> Yeah. Sure. Whatever. >> Yes. Yes. [laughter]. >> So no. Give me my cup. >> You I purchased them. I mean one. >> Oh my cupy. Damn it. Um, so with this. cool like we were thinking about like.

our our parents that we could take them. on vacations or give it to our family. once we pass or whatever because you. could pass this on for the rest of your. life to anyone else who wants to pay the. H. >> Yeah, right. Yeah. Gee, one of the. better almond utilized it and. >> you won't let me talk. I wanted to talk. about how this is one of the better. almond mom snacks that my HR person has. bought cuz that was more interesting.

We using that snoot. I'm going to sniff. everything. >> People tend to call me and ask me when's. the right time to euthanize [music]. their pet. >> I even have the water if I drunk it. >> This is kind of great. >> Why'd you lock down with this one? >> Um, such a curious creature. >> We did talk about that actually a long. time ago. It was um very last minute in. the moment kind of thing, right? But. >> more or less. I mean, >> and I guess I chose him, but he kind of. chose me, too. >> You have to choose each other cuz you'd.

probably clean up on Grinder. You're a. twink. >> A twink. A twon who's a top. Isn't that. a winner? Isn't that a winner? Do we Do. we like those? >> You You did your whole Grinder phase and. had fun with boys and stuff, too. >> Yes, we did. >> Boys? >> Mhm. >> Hold on. >> Not boys. men, you know, of age. Duh. >> I'm like, that's up. What the No, >> you said boys. >> Well, I mean, that's kind of how. everyone gays are kind of referred to, you know, boys. Wolf. Um, so.

>> I don't know. I I I personally. >> he had his little moment of having fun. with other people while we're still. dating and stuff. Um, tried to include. me on that, but I was also kind of. really always shy about it. And. >> so, why did you select this creature? Just look at this. Not not look, but how. you're acting like my goodness. I asked. you a question and then he just rambled. for 45 seconds. What the are you doing. here, dude? You could be cleaning up. >> And I'm saying this because I thought I. was by at the end of high school and.

early college and then I decided, wait, >> you never titties. >> Oh, [ __ ] [ __ ] That stuff is great. >> No, >> men. >> I I can't do that black hole. No, >> I was talking about myself. Thank you. I. I don't know why we're talking about you. right now, but uh then I decided that. men weren't attractive in my early 20s. I learned. >> I'm so sorry. >> Okay, it's okay. I just noticed how you. keep talking about yourself. So, why are. you with this? >> Um cuz at the end of the day, he is very. caring, very um sweet when we're at.

home. And he does. >> So, when he's in his crate, >> a wedge, that'd be nice. >> Um. >> the house. [laughter]. Um. >> yeah, I'm a stay at home body. I don't. really like to go out. So they don't. bottom they call them. >> Yeah. So I mean ultimately it is that he. is a good emotional partner and he does. take care of the emotional needs that I. have very well. >> Yeah. >> Your entire life signing up for time. shares. What are you talking about? You're going to be dragged to the depths. of poverty because of this.

>> beast. It's only a few more years. >> No. >> What? No. >> It's only a few more years forever. Shut. the up permanent contract. the HOA. No, they'll send you to collection. They'll. [ __ ] you up. You could get a nicer house. after you get a paid off, get a bigger, >> huh? >> He's still sold on it. >> I know. I'm seeing that. How? Exactly. Which is WHY I'M LIKE, WHY ARE YOU WITH. HIM? You can love someone, but even that. person you love might be completely. endlessly tearing you down and it might. not be best for you to be with him.

>> Agree to disagree. >> We all make a stellar argument you've. made. We've we all make bad finances. One, that's not even a sentence. Two, no, >> it's not a sentence. Nope. >> One sentence enough. >> And then three, you're 30. You're not. 22. What do these bad financial. decisions or bad finances that you're. making as you say at 22 would be. understandable. Not excusable, but. understandable.

YOU'RE NOT. YOU'RE A GROWN ASS ADULT. >> PLEASE. >> I'm only 30. grown. Give her another 10 years and. then I could finally maybe get my [ __ ]. together. >> You're going to be 10 years. >> It shouldn't take 10 years to get your. [ __ ] together. >> Back to differ. >> Are you balding? >> No, it's like gray hairs. Um, >> that's not what I was asking. >> No, the balding. >> Let's that hairline. Let's see. >> Yeah, the balding runs in like my dad.

>> He's not balding. Why does he have a. haircut that makes it look like he's. balding? >> He can do so much better. You got the. gay wheelchair glee haircut. >> I mean, he. >> he just doesn't do anything specific. with his hair. He just kind of lets it. lay. >> No, I just It's not a good thing. >> Not that I have the best I know. I need. a haircut and everything, but even Okay, so [sighs]. >> yeah, this is this is [ __ ] You're in. this forever. And the what? You allowed. this. You're too passive. You're too. passive. And then you blow up.

>> Allowing this to happen is disgusting. and you did not advocate for yourself or. your household and then and then you. just let it bottle it up and then you. blow up in an unhealthy way that is an. ineffective communication style which. means you neither of you are able to get. to any kind of point of making changes. in this household and communicating. effectively and putting in an actionable. plan cuz when you do make a budget the. couple times that you guys have there's. disagreements and someone walks away as. a loser and you know there's yelling.

involved and so why would both equally. follow that budget. They wouldn't. You. wouldn't. >> No. And that's where we fall short. >> But you need before making a big choice. to allow him to advocate for himself as. well. Make, you know, you got to make. sure sometimes even even before I do. small things, I really check in with my. girlfriend to like make sure, you know, like. >> Are you sure? Are you sure? Cuz you. know, I kind of know her. >> Like you would, you probably know he. wasn't for that, right? >> No, not at first. But even he talked.

himself into it too. We both kind of. talked themselves into it. Like I was. kind of like ecstatic for it, but also. didn't want it. And then he was talking. about how, oh no, this would be really. great for doing this, too. So, we kind. of just both screwed ourselves on it. We. both didn't want it when we walked in. there. We both said, "No, we don't. really want it, but I kind of was. curious about it. You [ __ ] got it.". >> I think he wants to say something. You're a good listener. I can't believe. you allow him to ramble as much as he. does. I I've kind of really had to learn. to let people ramble because um I mean.

both him and previous partners just kind. of do that ramble ramble ramble ramble. ramble thing. So it's it's definitely. just. okay fine let's do it so that you shut. the that that happens quite. >> frequently. Yes. This permanent. lifealtering decision is, "Oh, just do. it so you can shut the up.". >> Really, >> you live and learn, >> die. And so you he says that and you. hear that and you think that's him.

supporting this decision. >> Yeah. And probably unconventional. supporting in a way. >> Absolute. What is I don't even know, man. [clears throat] With you. Okay. Best Buy. Was that your stomach? No, >> that was like the same. That was the. chair. >> Someone took a big poop earlier. Who was. that? Which one was that? Was that you? >> If you if you would like to know. Yes, I. did do that B movement in the bathroom. Why I did it like. >> It's not good for later. Not good for. later. [laughter].

>> I hope you brought a mobile douche. >> No. Yeah, we already did it in the We. did it before we came here in the in the. hotel room. So, yeah. >> Prep. >> No, the sex. >> Prep. You have to clean yourself out or. be prepared or it's going to be a little. gross. You just kind of get over it. He. had to poop and you stuck it in. That. was not this morning. >> What? No. [clears throat] No. Best Buy. >> I guess it was.

Best Buy. What's going on? >> It's a card that I was, you know, spending at Best Buy. >> Uh-oh. Shaggy is not thrilled about. that. >> He likes to buy me stuff and we'll go. and buy stuff on there when we want. stuff. Why are you staring at him like. you were about to literally shank him? >> Because I know he probably spent way. more than he needed to and what like um. Christmas and stuff like that. >> So is the Sebastian. fault card? >> Yes, that is my card. >> Mhm. >> Full fault. So everything on here is all.

you? >> Yes. >> Yeah. All of my faults are on my NDR. >> 13 years to pay this off. By the way, doing minimums without purchases. minimums cuz I'm paying all the bills. rather than the car. >> Huh? >> I said, "Good thing I'm paying all the. bills.". >> Is this true? Oh, I didn't get your job. What is your job? >> Uh, I'm a lead auditor for gas station. company. >> What do you make? >> I make 25 and some change per hour.

>> Cool. What hits your account per month? It varies between four and six depending. upon how much I drive. because I get paid mileage and driving. >> 5,250. >> Let's do that. >> Okay. And what can I say Shaggy brings. in? >> Um, I would say probably about equal. >> It's been four. Yeah, lately it's been. four and maybe a little bit higher than. you get more. >> I'd say he's either about equal to what. I'd make or a little bit less. So, I've. been equating it to around 4,600 a.

month. Seems about fair. >> Okay. 46. We'll call it 46. My goodness. I mean, you guys do well as a household. Now, Colorado Springs specifically, I. don't know, but Colorado is one of the. higher cost of living states. >> Yeah, it's not cheap. >> But you guys do well. You're over the. median household income. This is net. This is net, right? This is what hits. the. >> This is before I put any money. >> What the are we doing? Like, that's. $120,000 a year. It is 9 net. It is. $9,850 a month. Nat is our money going.

down. Huh? We have too many bills. [ __ ]. >> Yeah, because of every choice you make. and unorganized. Inability to communicate as well. >> Our so fun choices. Gee, love it. >> Yes, interest is acrewing on here. Oh, wait. Promotional balances have to BE. PAID WITHIN A WEEK. WITHIN A week or. deferred interest is going to be hit. Did you know this? >> Yes. Did he know this? >> I did not know. >> And what do you think?

Or $800 of interest will hit and $800. will be added to the balance of this. card if it is not paid off. And good. luck. We spend more than we make. So, how's that possible? GOOD THE LUCK. What. is your opinion? $800 being added to. this card in deferred interest in about. a week. In about a week? Holy. Well, I. mean, I don't know about all that. [ __ ] I'm just hoping that since I'm. paying all as much bill as I can, he. could get his [ __ ] together. And.

>> only a little more than the minimum is. put on this. So there is no getting [ __ ]. nor together. >> That is the next card on my check on my. snowball. >> Certainly the hope so I don't but that. is un basically not mathematically. possible on the way you guys live and. the way you spend. There's thousands on. [ __ ] I mean I've already seen. [clears throat] going into this on your. spreadsheet. So the reality is I'm. talking Thank you. The reality is I do. not know how this will be able to be. paid off mathematically. Like I'm sure you have an order. >> Lovely little advice that you've given.

like you just pay the lease amount and. then pay that off and put that money. onto the next card and then keep going. >> Sure. That's snowball. But uh or or. avalanche I guess depending whatever way. you're going. But I put this before. either of them because this is deferred. interest. So $800 is about to hit. That. is $800 you can save by literally. focusing everything into this. And in. those debt repayment strategies, none of. it SAYS SPEND THROUGH THOUSANDS. [screaming] THOUSANDS ON [ __ ] YOU. CANNOT afford it on a monthly basis. Of. which you do. Of which you do. So I. don't want to hear a strategy. You have.

no strategy. There's no strategy. No. strategy has been given. Strategy. You. strategy. >> Strategy. My strategy is just putting. money in. If I have money, cool. Call it. good. That's my strategy. >> [screaming]. >> You came for the finances. >> But what if you could have more? >> Welcome to [music] Hammer Elite, YouTube's number one membership. Get. even more exclusive members audits. >> Your time 100%. But. >> juicy post [music] shows.

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[music] the pinned comment or. description below. Submit proof of. purchase at hammer elite.com and we will. reimburse you for your [music] first. month with a $10 digital gift card that. can be spent anywhere in most [music]. countries. You have no idea what you're. in for. Ever feel like AI is that one intern who. says, "I got it." And then immediately. crashes your entire system. Yeah, same. But your competitors, they're already. making AI work for them. So here's your. next move. Today's sponsor, Netswuite by.

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don't see snowball. Snowball's nowhere. Spending thousands on [ __ ] What are. we talking about, Snowball? What did you. purchase a year ago when you got those. deferred interest. >> um. >> accounts? >> It was the gaming device that I got him. for Christmas. >> What do you have? >> Legion uh Legion Pro gaming handheld. device. Kind of pretty cool. It's like a. mini. It's just basically mini handheld. gaming computer. Love it. It actually. works really well. Runs well. And. >> I've never heard of this. Okay. What did.

that cost? >> It was 900. >> Yeah, he bought me the fancier 1 TB 2 TB. one. One of the extra storageages. >> And the other one for me being a good. boy. >> Hey. Huh? >> It's for me being a good boy. >> Die. Die. Die. I I've never been for. animal abuse, but. tunes are changing. >> There's no one like Michael Vic. >> You could abuse me anytime. >> What? You're pretty? Okay. I'm pretty.

>> Yes. You're welcome. >> It's not even a compliment. >> Am I pretty? >> See, subjective. >> See, see, he's not into the thicks. It's. usually the bottoms that are into the. thicks, though. If any guy ever hits on. me, it's always it's always it's always. it's always the bottoms of men. >> I'm sure everyone else on your show that. have come by probably thought you were. You could have probably. >> No, I get hit on actually quite. frequently and by guests. That is. actually an incredibly common occurrence. by straight men too, right?

>> Uh. I think we've had one straight man that. wanted me to suck his dick probably, right? >> Oh, >> there's definitely been a couple. >> I've taken pictures. >> They they have those eyeballs. >> I'm just like looking at kids. [laughter]. [snorts]. >> Seriously? Yeah. Well, okay. Yeah, sure. Sure. Sure. Everyone has their own types, but um. Okay, Quicksilver, what's going on here? >> That was my first credit card. >> Oh, yeah. The Chase.

>> So, this is yours again. So, the big. balances on cards are so far you. >> Yeah. A majority of the like actual like. card balances will be mine because all. of his cards got like lumped into an NDR. agreement and he's been forced not to. have any credit cards to be able to. manage them. I'll let you use the fist. card. Debit card that. >> literally use my card. >> Oh, I'm trying to do a plugin. He talks. My goodness. What are we even doing? >> You have a plugin right now? >> No, [laughter].

I've asked him. >> Huh? >> I asked him. >> Asked who? Well, you had to take a. massive [ __ ] before you walked into this. room. >> Yeah, right. Uh, >> you blew up that bathroom before I had. to go pee. It was wonderful. >> No, sorry. >> Bottoms always have the stinkiest poop. It's the It's the high protein fiber. diet. >> $5,479.51. is going on here with $167 minimum. monthly payment. Now, why in this. conversation you make more money on it? It's weird. Okay, fine. We're not. combining fully. He always Shaggy always.

says he has to take care of your minimum. monthly payments. Why is that what's. happening? It. >> It's He's not taking care of my monthly. payments. He's taking care of the. household bills. >> Yeah. So all this [ __ ] um car. insurance. um car insurance lights util utilities. um and my stupid vivant and this frecken. ridge [ __ ] is what I'm taking care. of. So it's roughly I basically got to. put 850 a week I think $850 a week.

roughly into the bank to cover bills and. that's just what I do. >> Okay. 167 hour minimum payment. How long. do you guys think this takes to pay off. if you do minimum payments only? >> Oh, you insufferable, >> which is what you only do as minimums. And if you don't purchase, which I'm. sure you will, >> it's 23 years, >> 25, 30 years, >> 21, >> you'll be old gays.

>> Ripe [sighs] ripe gays. Uh-huh. Okay. Yeah. Literally $1,200 in interest. this year so far. >> That's not bad. >> What the What is wrong with you? What. are you talking about? >> That is bad. How How do I deal with. that? How do you deal with that? That. mentality. How can you deal with that? >> No. What are you going to do to deal. with that? >> I. Good question. I mean, it's been. >> 21 years later when this is paid off and. he still has the mentality that all the.

interest you have accured on this. doesn't matter. >> That's a lot. >> We'll still be together with that. mindset. >> Something else with it. >> Huh? We could have put that money into. something else. Yeah. >> Uhhuh. >> Going on vacations. >> Yeah. >> Not savings. >> So why the are you okay with it then? >> You're the one who said that. >> Cuz it's money that you're just spending. to have fun now and. for later. Spend money now. Call it good. And if. you could pay it back, cool. If not,

[ __ ] pay it back when taxes. It's just money. We live, we die, occur. its die when you're ready, call it good. >> Thoughts? >> I mean, >> this is your partner. >> That's kind of been his mentality on it. the whole time. >> You're okay with it. You accept it. >> I don't necessarily accept it. I just. kind of It's I've become indifferent. towards it because there's not been much. of a point in arguing it because that's. kind of. >> why accept it for the rest of your life.

I'm not saying I want you guys to break. off in general. I'm not advocating for. that. But why should someone, even if. you love them, tie themselves to a. sinking ship? Why? Why? Why? Why? Why? Why? To dead weight. Why? It holds back. your entire future. You're still in that. zone. I mean, listen, the moment like a. gay hits 30, they're done. They're done. >> There's not gay gay death. That's funny. You know, there's still. >> No, it's true. People will not go for.

you once you are 30 and gay. You're 29. and gay. The chance, the time is now. >> Look at Grinder. A lot of people still. want to get and pounded when they're 30. plus. So I I beg to differ. >> They want to doesn't mean they're. getting it. >> That's why they show up to the woods at. dark in a park. >> The [ __ ]. >> And they cruise. >> What the What? [laughter]. >> Wait. You tell me he doesn't know what. cruising is? >> He does. [sighs and gasps] Is it. terrible? That's what the desperate old. gays have to do. And I don't want you to.

become that. No. >> When you wake up in 10 years and you're. like, "Oh, I'm wasting my life away with. someone who is just destroying it." Even. though I love him. Even though I love. him. >> No. That's his response. >> pretty much at all. >> See what I'm saying? >> Yes. >> It might be best for your future, too, to not have someone that comes and saves. you every day. >> So, you actually have to wake the up and. grow up. >> Yeah. It's about time soon. >> No, time has already passed. But you.

need to do it today. And if you don't, I. hope he leaves you for the sake of him. because he deserves to live a good life. So do you. But you don't get to hold him. back. It's not fair. >> Good life at all those bills, though. >> Huh? >> Like, good luck with that. >> He can go through bankruptcy. There's. tools he can use. I'm not saying I necessarily want him. to, but for his entire future, he can go. through seven years of annoyance on a. credit to save him for the next five. decades. >> But five decades of not having me.

around. >> Credit one. >> What's going on? >> Um, it was a card that I got back a few. years ago when I was kind of just. looking for more credit cards and I got. >> You're looking for more credit cards. Credit One is the worst of the worst of. the worst of the worst. When you have. this, it means you are the worst. Yeah, I was unaware of that fact until I found. your show and really realized how like. screwed it was cuz I was very bad about. looking at the statements from it and so. I wasn't noticing the extra fees and the. extra [ __ ] from it because they're.

the ones who tack on an extra $40 $50. >> What is this purchase $500 something. fitness? >> It's a trainer. >> Oh, it's $500 personal trainer. >> Oh, a month. >> Yeah. >> Listen, I want you to have a personal. trainer. I want you to do activity. We. might not be going full booze right now. >> That's too much for that for a personal. I would never pay a personal trainer. like that. >> I mean, after I got through the. introductory run, it goes down for a. while on price. So, it goes down to $300.

a month, which is still in person. >> Uh, not all in person, >> dude. Some are video they do like. >> remember when I said, "Okay, listen.". That meant listen. [ __ ] 30 20 [ __ ] [ __ ] [ __ ]. >> Okay, listen. I want you to work out for sure. So, I'm. advocating for that and we can pay for a. gym membership. We're not doing personal. trainer right now while we're paying off.

debt. So, you got to prioritize. >> Yeah, >> you can you can have activity and paying. off that at the same time. You do not. need the personal trainer right now. >> Yes. Accurate. >> Okay. So, we can do that. You guys have. a strong household income after we're. out of debt. We have a 6mon emergency. fund and we can live in our 50 30 20 cuz. your 30 will stretch a long way. Now. your income it still kind of blows my. mind. Cleaning cleaning will. consistently be this much. How many. hours a week are you working? >> Not that much. Um. >> how does this make sense? Where is this. making sense? I [clears throat]. typically work four hours a day. That's. kind of where I get my two jobs. Asking.

him about his income is that, you know, he can't answer how much he's working. per week cuz, you know, a lot of the. time he's like, I'm working less than 35. hours a week and I'm making I supposedly. up to that $1,600 a month a week. >> Allow me to be racist for a second if I. may. Are there no Mexicans in Colorado? >> There's plenty of Mexicans in Colorado. >> What the is happening here? cuz no like. I I get my house clean twice a week. It's not that expensive.

>> Um I don't charge that much. I typically. charge about 150 for 4 hours, 170 to 180 for 6 hours. >> So this math doesn't add up. What the? No, >> it's roughly I I strive for 30 to 35. >> Okay. When you're ready to get a real. job that has more longevity, especially. when your body starts breaking down. That'll be decades hopefully. But I'll. get you a course career certification in. whatever you want. They offer so much. now. Trades, tech, you name it, I'll get.

you one. A lot of people in the audience. have used it to improve their income and. get new jobs. >> I appreciate that. Exactly. >> I just I don't know if I can use this. 4,600 for your income. I really do not. I really don't. >> Fair enough. >> So, obviously, we cannot afford this. right now. Why the are you putting on. credit one, which is interest fees to. the max? >> It was the only card that had credit at. the time that I. >> What did that tell us? not to be doing. the stuff. >> Uhhuh. >> What did I tell you about talking to the. accused. >> to not do?

>> Fees hundreds this year. Interest. hundreds this year. It's absolute. insanity. Beyond insanity. Credit one is. a disgusting. credit card. Uh I think I have a checking account. here. No, >> that's his NDR. >> That's my NDR [ __ ] So, I used to. pay 500 a month for all my credit cards. and then I got kind of tired of it one. day and then called them up and say, "Hey, help me consolidate my credit.".

>> And how much are you paying for this. [ __ ] This is. >> 2023. Not just that, you're getting. you're getting fee fee fee fee fee fee. fee fee. General fee, monthly fee, pain. fee, pain bill fee, monthly charge fee. What? It's not just that. You're what? >> Yeah. Right. No. So, >> how much you owe overall? Like how does. this. >> um most of my credit cards are paid off. I came in about 11,000 10 or 11,000 in. debt. And now. >> So what do you owe a month? >> Um monthly. >> it's $123.

>> It's 123 every two weeks. They raised it. a little bit for one of the cards to. have more money on there. So when I pay. off one card, they just pay the other. card half off and then it's not that. bad. >> Well, when is it paid off? Is this the. ending balance of 368 and then it's. done? No. >> No, that's per month. Um, it's done in. about a year or less. >> How much is left on it? Okay. $36 a. month. >> Let's see. I got. >> cuz it's not on here. >> It It I was like, does it give you an.

actual amount per month? >> Not really. I don't think so. No. Um Oh. [ __ ]. >> This is cuz I guess it depends on what. you're doing on here. But this is crazy. You're paying [ __ ] This is wild. I [laughter] don't understand. transaction fees like crazy. Customer. fees. >> When I called them up and asked about. that, it still I only did it because. yes, it screwed me over and it made me. all of my accounts that I paid all on. time. Made it all into delinquency.

>> Now, this is not a type of debt relief. service that I would typically advocate. for. There are some good reason, but not. without changing your behavior first. Listen, I'm I'm just guessing it's about. 4,500. Okay. >> Yeah. Here, if you're curious, here you. go. Um, so this one's almost paid off. Yeah, this one's almost paid off. That. was my um I'm broke as [ __ ] spending. >> Um about this was like a balance. transfer. Yeah. And then these two were. I'm broke as [ __ ]. >> I said it's. >> Apple Card. Whose is this? Mine. >> Okay. $3,139.83.

The are we doing? And why. [clears throat] is this all. >> um It's the card that I've used. >> IT'S GONE UP FROM THE PREVIOUS MONTH. >> Um sorry. $94. It. >> is your minimum monthly that card 15. years to pay off. >> That card um the only reason it goes up. is because that's the card I use to book. um hotels for work and then it. immediately gets paid off. >> Yeah. Hotel hotel Uber Uber. It's all. for work. What are we doing? Great. That.

doesn't matter. Work isn't paying for. interest on it, [ __ ]. >> Yeah, cuz you don't pay off the whole. car. You're still getting And unless. you're actually going into the app and. paying that amount off. That's what I'm. doing is paying off the amount that gets. charged. >> Well, by the time interest hits, I don't. know. >> Not always. >> No, exactly. So, you're still gaining. almost $1,000 in interest this year so. far at 26.24% interest rate. Pull up. your phone. Pull up your gay phone. Open. it for me, YouTube. >> It's cute. >> I told you I called it.

>> Give. All right. Here. Here. >> Why? When I swiped down, listen, I. swiped down so I start the screen. recording, but I accidentally swiped up. to pull up the apps. The McDonald's app. is the first thing that pops up. >> It's cheap. Okay. And I have like. >> No, you can't afford [ __ ] You can't. afford [ __ ] As if you're like, you. can't afford McDonald's. You cannot. afford McDonald's. You cannot afford. McDonald's. >> Okay. Just Apple Care for you. >> Saved up. So, I typically go there when. I have enough points saved up. Just buy. cheap [ __ ] there.

>> 20% off, free nugies, FREE [ __ ]. >> SHUT UP. YOU'RE SPENDING money you can't. spend, dude. Off. And for you, Pokémon Go, that can cost. money, too, depending. >> Not in many years. >> Well, we'll see. What? That's your. profile picture? Zoom in on that. >> Why is it still blurry? That's all the. resolution we have. >> You're not a bad looking dude. That is a. horrendous profile picture, huh? >> That's not a bad profile picture. >> No, it's really not a great one. >> Oh, is it the one like, you know, tongue. sticking out or something?

>> I don't know. Okay. >> No, it's a very like high school gay. >> Probably haven't updated in a while. Stop. >> Sorry. >> How do you How do you put up with this? >> He bugs me enough, too. >> I work 16 to 20 hours a day. >> Yeah. >> 16 to 20 hours a day. >> Sucks a lot. >> What the That's a 7 days a week. >> typically. I I mean, I work seven days a. week. >> Comes home and just sleeps.

>> Well, yeah. I mean, that makes sense. That's crazy. You're grinding. Also, he. can [ __ ] around and not know what he's. actually doing. Dude, your subscriptions. literally will not work. I don't know. what your subscriptions are. Synchrony Amazon card. Who's this? >> Um, what's the balance on it? >> Oh, uh, $52.83. That would be nice. >> Maybe mine. Mine had the lower one cuz. But I did bring it back up cuz I bought. like a steam cleaner. >> You've had fees constantly this year. >> Me? >> Yeah. I'm very bad about remembering to.

set a reminder on my phone. And even if. I set a reminder phone, sometimes I. might not have the money. >> Auto pay you. >> Yeah, but if I set I have set auto pay. up and then I don't have the money in. account and then it overdrafts it and. then I get charged even more. So rather. just not have it. >> And adult, look at your money. >> It's a small balance. I would just close. it. You can't you cannot be trusted with. credit cards. You're not a credit card. person. >> No. Why do you close it all? >> Huh? >> Why do you think I stopped doing it all?

>> But this is still here. You you absolute. [ __ ] pull up your gay phone again. >> $29 monthly payment. Late fees like. crazy. Interest like crazy. 30% interest. rate. >> Amazon. Amazon. >> It's on synchrony. >> Uh rotating MagSafe. Hyundai Mini. Bluetooth. >> That was That's my card then. >> Oh, okay. That's my card then. >> Oh, this is your card. >> Yeah. >> All right. Pull. Give me your phone. again. Oh, your subscriptions. Chad GPT. calorie counter. Were you Did you used. to be a fat kid?

>> Yes. Oh, >> self-conscious about it, but I don't. know. >> That's okay. Just be healthy. Listen, I'm okay with that, I guess, cuz it's. annual at least Apple Care. >> The I paid uh like half of that when I. got that subscription. >> I'm okay with that. I just went into the. trainer right now. Unless you absolutely. hardcore need it. You got three things. in your cart. You got three things in. your cart. It's a Nintendo Ultimate. Bluetooth controller. You no tripod? You. no wireless mini microphone? You No.

What are you trying to get into? Content. creation. That's $119. What are you. doing? >> It's just been sitting there for over a. month now. >> You got a rotating mag safe tripod. You. got the Hyundai mini Bluetooth program. thing. Electricity smart food kitchen. scale. And how to defeat a demon king. book. and then way too expensive things in our. cards. Listen, content creation starts. off as a hobby. You can't afford a hobby. and you don't really have time for a. hobby. So, I wouldn't even know how you. would do content creation if you're. working 20 hours a day.

>> [snorts]. >> I wouldn't. I mean, >> are you his little [ __ ] He just chewed. that drink from you. [clears throat]. >> No, I told him to put it over there. without trying to interrupt you. >> Yeah, but you. >> That's like dick behavior. >> That's just kind of how he is. >> That's like whistling to have him come. to you. >> He does that. Yeah. Hey, that's almost. just like that. >> Yeah. >> Oh, Huntington. $0 balance. >> Oh, yeah. That's probably me. I usually.

don't have money in my accounts. >> Oh, well, no. This is like some kind of. credit that. >> But it only allows you to get 100 bucks. It's like a cash advance. >> Me. Uh, I used to do that when I had. money in my account, but now because I. don't have any money, I can't even do. that anymore. So, >> Care Credit. Who's this at $3,36.31? Basically maxed out. >> Eyeballs. >> Huh? >> Lasix. >> Worth it. >> Who? >> Me. >> You got Lasix? >> Yes. >> Okay. >> Best money ever spent. >> Why? I I was having a lot of. frustrations with my glasses. I was um I.

had spent quite a bit of money on. glasses. So, I was getting. >> Was this the right time to do it though, especially if we had to put it all in. credit? It's an elective surgery. I get. it. If it was a medical necessity, I'd. be fully on it, but was this the time? I'm not saying you can't do it. You guys. make good money, but the time. >> I was definitely less drowning in debt. when I did it. >> When did you do this? >> It was last year at some point. $99. minimum to payment balance to $3,36.31. 19 years to pay this off.

>> Holy [ __ ]. >> Which means I mean, oh no. In in 10 months, deferred interest of at. that time, they will add $2,000 to the. balance. >> I' I've been paying between 200 and 300. a month on it. >> I don't think that's. >> Nope. You paid 91. Nope. 200. But let's. see. Okay, we got 10 months. >> cuz if I pay 300 a month on paid off. >> Well, yeah, it's about.

>> before the hits. >> Yes. >> Okay. >> Yeah. $310, but you're not. But let's. mark that. 310 is required to pay it off. before two cuz that's very important for. 2,000. What are you just mumbling about? >> I mean, those numbers that you just said. seems like he is almost doing just about. 300 a month. And. >> well 200 is not 300 and there could be. $1 left on it and 2,000 will be added. >> Oh my god. Okay, fine. >> Okay.

>> Discover personal loan at 14.99%. interest rate. Who's is this? What? Oh, pass. Who's past due? Who's past due? >> It me. >> It wasn't past due. >> It is past due. Oh, total amount due. Sorry. Never mind. No, >> it wasn't past due cuz that's that's. definitely one that I've gotten very. good on and that one's never been late. >> Okay, good. What's the personal loan. for? >> It was a consolidation loan that I did a. couple years ago.

>> This was you. >> Yes. >> Oh, well, you were making it sound like. it was you. You [ __ ]. >> No. >> Okay, listen. Obviously, consolidations. haven't worked because our balances are. right back up. If you guys do not change. behavior, your debt forgiveness. [ __ ] your consolidations, it does. not work. bankruptcy would not work. because you will be end up in the same. exact spot if not double the debt. So. you still owe $410.71. It's almost paid off of the minimum. payment of $1362. Okay. But is it is it a 50% interest.

rate? When did you get this. consolidation? >> Uh back in 21. >> sake. And we learn nothing from the. clear half of what is sold out. This is. still more paperwork than most financial. audits start with. >> Ant Credit Union. Who's is this? >> Mine. >> PASS THROUGH $40. >> Was that the. >> That one's official. >> That one from the car accident or. something. >> It depends on which one you saw.

>> I don't know. You owe $519.88. with interest acrewing. >> Minimum payment 40 bucks. I think I just. pulled the statements on the day it was. due. It was part of it. >> No, no, it was past due. It wouldn't be. passed due on the day that it is due. It. is passed due. You just got this, I'm. being told. So, what is this for? >> Um, it was originally going to be for. moving around some debt and then we just. used it to. >> It didn't work again. Used it for what. though? >> Uh, tint on the car. >> What? And what? How is that important?

You. >> because we don't want people seeing in. our car. >> A road head. >> It's mostly It's mostly just also. >> you're doing road head. >> It's mostly also just. >> you're doing road head. >> It's a. >> You're not willing to admit you do. roadhead. >> Yes. >> We celebrate roadhead. We celebrate. roadhead. [applause]. >> We celebrate roadhead. >> Live life. Have fun. >> Listen, we never get the gays on the. show, so I got to use and abuse it while. I got it. Please. >> I mean, absolutely.

>> Okay. >> So, I mean, it's also that. >> Okay. Well, I don't think we're getting. a 21.99%. late balance of $519 for more private. road head. >> It's also just a light sensitivity thing. because I do spend a lot of time in my. vehicle driving. >> Wear sunglasses. 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. $350 in bonus cash right now when you. sign up for the checking account that I.

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month, that is not bad luck. That is bad. tracking. And it's exactly why I use. Dollar Wise. It shows you exactly where. your [music] money is going every single. month. Spending, subscriptions, and. savings all in one simple dashboard. Everything you need and nothing you. don't. And when you download Dollarise. today, you'll get to try for free, plus. 3 months for just $9.99. So you can. finally take control and see what your. money's been doing behind your back. Click below to get started. He does too. >> From the gas station, dude, for like $5. Are you kidding me? We're getting a.

whole balance at high interest that. we're pass on to not wear sunglasses and. to get a little gl. >> Yeah, I guess that I mean I it was. >> gays are always so kinky. >> It was just I was trying to. >> you know that's not that dramatic of a. kink, but I know gay people love public. >> Oh, public humiliation. Mhm. >> Humiliation. >> Yeah, that's the thing. It's the way he takes it.

>> Well, he only takes what you give. I. don't know if you know this, but. >> I mean, having tent on your car is a. good justification to spend money on. Like, I spent 600 on my account. >> No, you for my Porsche. >> Who? For a what? >> Oh, >> you a Porsche? >> Yeah, I have a Porsche and I tinted it. and it was like my part of my birthday. present. Either I paid it or you helped. me pay. I don't remember what it was. I. think I think you paid it for my. birthday or something. >> I don't remember. Yeah. I don't remember. >> who. So, you have the Hyundai Sonata? >> Yes. >> Yeah.

>> Very good. 2023 Hyundai Sonata. >> Uh, that's the old car and that one got. destroyed. >> Well, this one still has a balance. >> We're waiting for the gap insurance. payout on it. >> And is that confirmed yet? >> Yes. >> Okay. So, I can cross this off. >> Yes. >> Thank because you owed. >> [ __ ]. >> Almost $10,000. No, almost $9,000 at an. 11.24% interest rate of horrendous. disgusting horrendousness. That was a. nice car. I. >> No, but there is a personal loan here. So, you have an extra personal loan.

>> Yes. >> WHAT THE FOR WHY NOW A SIX OH, $6,934.79. WHY? With a payment of 23. No wonder you. guys can't survive. Look at these. payments at this point. $23.40 on a. monthly basis. WHAT IS THIS PERSONAL. LOAN FOR? >> UM, I pulled it to try to help pay down. some of the debts and consolidate THINGS. AGAIN. >> AND HOW DID THAT WORK? IT DIDN'T. >> UH-HUH. This was taken out in August of this. year.

>> Is that the Is that the second person. loan. >> of thising year? >> It makes me feel so much better about. the money that I spent. >> Well, um, you just took this out. Yeah. 20.7% interest rate. [ __ ]. >> That's. It's [ __ ] Oh, what? >> Yeah. No, it's brutal. We got to keep. going because it's going to be forever. Microenter. I really wish we had one.

>> Oh, I love Microenter. It's so hard not. to spend so much money there. >> Well, I don't like that you have one. then. So, whose microenter card is this? >> Mine. >> Oh, for sake, dude. >> Is Yeah, >> dude. You have all the debt. >> I have all the debt. >> I stopped my debt, thankfully. >> Well, not the No, we have two credit. cards. We had one credit card from you. >> Yeah. >> What was that? It was the bet link and. then you also had the vacation home. [ __ ] So come on, you're not like a. winner. >> Not that bad. >> No, you're not.

>> Just to buy a. >> dude. You consolidated [ __ ] dude. Come. on. >> I did. Yeah. >> $1,856. down here. Interesting. Only making. minimum payments. That is $40. No late fees this year, but hundreds in. interest. >> Oh, a mortgage. We own a house. >> Yeah, we bought in a pretty good time. We have a very low rate. 2.75%. >> Yeah, it is. >> Yeah. Yeah, the rate's great. >> Um, how much is the house worth? >> Um, it's like 300,000 maybe slightly.

under. Are. >> we both on it together? >> Yes. 50/50. >> That's good. 20030, $243. >> left. Yeah, we haven't paid that much. into it. And I want to pay more, but we. can't. >> No. Why? Why? Why would you pay more at. that interest rate? 2.75%. It would make. enough sense to pay more. This is what I. keep telling you. $1,62343. a month. >> Usually a mortgage is the last. >> debt, but it can't because then I have.

this. What is this? Um, okay. This is. $24,841. >> Is that the solar? Oh, yeah. The solar. that we got. >> How sunny is it? We're in Colorado. Springs. >> This is actually pretty Colorado. Colorado on average has 300 days of. something. a lot more than what Florida. likes to [ __ ] boast about their. sunny, you know, >> Colorado Springs is almost year round of. sun. >> Okay, brag about it. >> Yeah, >> I just wanted to make sure. >> Very very beautiful.

>> Um, so the solar um. >> Yeah, solar 6% interest rate. >> roped into it and. >> no [ __ ] Who got sold on this? >> I. >> And you didn't advocate or did you agree. with it? >> Not really. He just kind of said if. that's what you want. >> I wasn't there. He's he was. >> not really not the first part. I kind of. let her in and I we talked and after. that I told her that I need to discuss. it with my partner before I say yes. >> So then she came back and then we both. discussed it I think after no.

>> O. the So what happened then? Um he called. me while I was at work when they were. there and he was talking about it and he. basically laid out the numbers for me. and I said if you think it's going to be. a good deal as far as like what we're. paying versus what the electricity is in. the house now go ahead and do it but. only if it's going to make sense. >> Has it? >> Um for the most part yes it does. >> Solar can be relatively good. What I. just don't like is that 6% interest. rate. >> No I don't. >> And also just you guys have an insane. stack of debt adding another monthly.

payment onto it. >> Well that was early. That was like when. we first like the year or two into. getting the house. So, we didn't have. that much debt to start when we first. got the house. Our debt to income was. low enough to get the house. >> Yeah. Cuz we were we had paid off quite. a bit before we bought the house. >> Yeah. Like it was like I remember it. being like they were talking to us and. we had. >> Okay. So, minimum payment is $217.32. Oh my gosh. It really just keeps going.

Who's the citizens pay? It's both of. ours. It was the like line of credit. that uh Vivant did for the equipment. >> 500 Wait, the same. Okay, $566.50. is owed. Count is currently closed. Minimum payment $66.75. What's going on with this? Or 67. >> Uh that's like the almost forever rental. that we have on our cameras. And. >> it's not a rental. It's literally just. payment. It's It's the. >> not rental. Whatever. Yeah,

>> it's the. your your security. >> It's like they make it like a line of. credit. So if you want to add [ __ ] on, they just add it on to that line of. credit. >> Yeah. But right now it's not gaining any. interest or anything. So it just needs. it's just being paid off. >> No interest. No. That's good. A checking. account, I think. Nope. Another damn. loan. Auto loan. Whose loan is this? >> So I think that one's mine. It's. >> Porsche only has 2026 on it. >> That's his That's his truck. >> Truck. My Porsche is paid off. I paid in. cash. >> What's your Porsche? What kind of car do. you truck do you have? Um, I have a 2010.

Ford F150. >> $20,26. into it cuz I went to the lot and bought. it that day and it was not No one ever. looked at it and I guess I just want it. so I got it. And at first I'm really. happy it's not a lemon cuz I really. >> Well, it's a 7% interest rate with a. minimum payment of what? >> 36752. >> for a little bit. >> But it's another minimum monthly. payment, dude. And you guys almost. >> But it's stacking forever. Yeah, it's. been stacking for years now.

>> What's. >> and for a little bit I paid been pay. >> sh quiet. Okay. 2025 Hyundai Sonata. Is this your. new car? >> Yes. >> Sick. >> I was so pissed off when I saw that. balance on that per month. Holy [ __ ]. >> Like you're paying it. >> Did you go and just do this yourself. without his knowledge? >> No, he knew. Oh, I knew. Sorry. >> Then why is it pissing you off? >> It's expensive every month. Yes. Okay. 41,497.

Then why'd you accept it, dude? >> Nice ass car. I love driving it. It's so. worth it. >> It's yours. >> Yeah, it's my car. It. >> is. Yeah. >> Okay. Dumbass. I don't know. Minimum. monthly payment $776. No. No. You're No, it's normally $81341. That is crazy. Hey, what's it worth? >> Uh, right about what I paid for it.

>> Yeah, it's still. >> about 40,000. >> Is it what 38 for a little? Cuz it's. always less, which is the most reliable. It's the most reliable. It's what we. use. We switch to Edmonds. Says it's. $28,885. private. >> What the, >> dude? You are dramatically underwater. for a minimum payment. That is. absolutely insanity. Insanity. Insanity. Insanity. A fifth of your income. essentially alone. What the. >> Oh, and that's not on top of. >> What's the interest rate? It's 12.4. >> What are we doing? Why?

>> I mean, my mileage reimbursement every. month pays for that without me having to. worry about it. >> And it's the gas. You save so much more. money on gas. >> Stash. Who's stash? Whose stash? WHO IS. STASH? >> MINE. He puts the money away to savings. and know you got to pay for. >> savings. $67. You What are you talking. about? You've never heard of save. You. don't know what save is. You savings. >> No, I don't save. You go into gas. stations for and get for a couple bucks, five bucks. >> Usually energy drink.

>> Okay. No, you don't. >> No, you no longer do. >> Take a free sample of your choice. I. don't care. Listen, Gamer Subs. You make. coffee at home instead of going to. Starbucks for a reason to save money. 40. cents a serving with Gamer Subs. You. make your energy drink at home. It. tastes better. Get your free samples. below. Find what flavor you like and. then get yours for 10% off using my link. or code Caleb gamersubs.gg. GG. No, you're making your energy drinks at home. or in the car. That's it. You can't. afford to stop in and get a $6 energy.

drink. You You can't. >> You You didn't for a little bit, though, where you made your own energy drinks. through. >> Well, you're doing it now from home and. I don't. >> Huh? >> It's not the same. >> It does, dude. It Well, you're right. It. tastes better actually. >> It legitimately does. Blind taste test. We've done it, >> guys. I just don't evening know. Literally commenters, the videos have. started to come out where I talk about. these and commenters are like, "Oh [ __ ]. I got the free samples, dude. This [ __ ]. is great." So just do it. It saves you a. lot of money. It's not just a plug. because obviously the company makes.

money, I make money. It literally saves. you money. So why the not? >> Yeah. >> For just as good tasting energy. >> So energy drink Kindle. Do you have. Spotify? >> No. >> Okay, then I'm okay with that. >> Apple Music. >> Yeah, Apple. Apple, you know, >> is there audio books on Apple Music like. there is Spotify? Not. >> I'd switch to I'd switch to Spotify. then. Cancel Kindle. Get audiobooks. through Spotify. I know you drive a lot. So that's where I'm okay with you having. something. >> Yeah. >> But let's not have two. Have it all. under one.

>> She vapor. We're vaping. We're little. vapes. >> Yes. >> Come on. Why die? You're getting your. health under control. Why your lungs? >> And it's. nicotine. It's been a small gets me. through the day. >> Nope. No. You stop. you. It's going to. He's going to get so pissy at me all the. time if he doesn't have. >> and go through his withdrawals. >> Oh, I I tried. I I He even asked me to. take his little carts and I did that for. a little bit, but then he just goes and.

gets more. >> Can you please quit? I know it's easier. said than done. >> It's got to get that pop. Dude, you got. you got to If you're taking care of your. health in one way, don't it in another. >> You're right. Yeah, my crossover through. sweets. That's my that's my addiction. >> because it's kind of one of those things. of just, you know, I that's how I get. through my day is just, you know, I. always tell people caffeine, nicotine, and self-hatred was what gets me through. a day. >> Just do caffeine and self-hatred. cuz one, you just can't afford it.

either. Cinemark, Amazon, Good Times, what is it? A bar, restaurant, little. thing. >> It's meal prep, >> micro electronics. Come on. uh. membership to Hammer Elite. The best. membership on YouTube and number one for. a reason because there's three premium. shows posted every single day, Monday. through Friday. When is this coming out? New year. >> New year, baby. >> Wow. >> Six days, six days a week now. Three. shows. We're ramping up to seven. So, three shows a day. Six days a week. All. high quality. All awesome. Check it out. Went inside. Got an energy drink. Energy.

drink. Energy drink. Affirm. Affirm. You're paying your affirm on a card that. acrrews you. What are we doing? >> That doesn't acrew interest. That's just. a cruise. You There's probably fees and. [ __ ] No, >> it's just it's just a checking account. >> Okay, good. Energy drink. Energy drink. Patreon. $61.74. Patreon. >> It's uh for an author that I support. >> Oh, is that a lot? >> That's just a lot. That's just too much. money. I would never ask for that cuz. you have another one for $1029. And then. Best Buy. Going in getting some. [ __ ] Getting some [ __ ].

Cinemark. Energy drink. I think that's a restaurant. I think. that's a restaurant. Uh, Lifetime Cafe. [ __ ] Energy drink. Angry chicken. Dude, this is so much spending for. someone that's trying to get out of debt. and change their life. Cute. No, you're. not. Well, look at this behavior. Apple cash. Energy drink. Energy drink. Energy drink. Clouds vape. Come on, dude. Gero's Town. Smoothie King. Golden. Golden Corral. >> That was for my sister when she was in. town. We all had dinner. >> and we went to Golden Corral.

>> It was not my choice. It was my father's. choice. Father. >> Energy drink. ENERGY. IT KEEPS GOING. ENERGY DRINK. ENERGY DRINK. Energy. drink. Smoke. Plus energy drink. Energy. drink. Smoothie king. >> He's got to have his energy for the. [laughter]. Shut the up. Vaping. Just die, dude. 100 in the savings. I guess at least you. got,000. Oh, 900. 9,000 in this. What's this? >> All right. Those are stocks. >> Oh, >> good. Like a Roth IRA. What is this?

>> There's a individual brokerage account. and a Roth IRA. >> Well, which one's 9,000? That would be. the individual brokerage. >> and 2640. >> Uh the IRA. >> Well, that's good. Behind for your age. if that's your entire retirement. We'll. see whose fidelity is this. >> His. >> 3,000. Is this your 401k or what is. this? >> Um that is Yeah, my 401k/savings. for taxes. >> What the I'm getting back to debt again. Wait, what is all this? Oh, a firm. >> Yes. >> Who's affirming at a 23.67% interest.

rate? >> That would be mine. >> What? Hold up your firm. Oh, there's a. [ __ ] ton. What the are you doing? >> What the [ __ ]. >> Yeah, it's overpiling. >> It's only 273. I mean, that's not the. worst. >> Shut the up. That's not the worst. >> No, you're going to hold back the entire. relationship. You're a horrendous. individual. Let me see. Okay, at this point, after all the. affirm Oh, your purchasing powers a. thousand. Okay. No, you just purchased the course.

careers. We'll see if we can get that. covered. Appreciate it. Thank you. >> Yeah. [screaming]. Yeah. You just did eBay $3,258. >> What is for you cheese? >> Huh? >> It depends. I mean, I've. >> $3,25827. November 26. You. >> November 20. >> I didn't spend anything. [screaming]. >> Not what you.

>> Yes. >> No. November 26, 2000. 3,258 27. It's. right here. You come. >> That's old. That's an old one. Yes. But. it was not this recently. That was last. year. >> Yeah. That's 2024. >> What do you currently owe on a firm? >> I owe a total of. I don't even know how to use that app. >> Here you go. >> Oh, for what? You little tit. Asus.

eBay. Best Buy. What is all this for? >> Um eBay. I I I I had I collect uh video. game consoles. >> Collect paying off debt. >> Yes. Um but what the eBay one I bought. the 30th anniversary PlayStation 5 Pro. >> and so that's what that one was and then. something else with that one. And then. the. uh ASUS one was a computer.

>> $4,72141. with a minimum to payment of $392.95. SO. OH. $15 ENDING in this checking account. affirm overdraft. Who's overdrafting? Huntington. >> tend to overdraft a good. >> Who you? >> Can someone tell me who's this is? >> It depends. We both use Huntington cuz. >> you don't know who overdrafted. We both. kind of overdrafted overdraft. I usually. have money in my savings barely enough. to cover it. Sh,

>> you prick. >> Quiet. You. overdrafted four times this year. >> Shut the up. Who's overdrafted four. times this year in their checking. account? >> That might be the joint account. >> Oh my gosh. Joint. We're overdrafting. four times this year. Okay. Who has a. balance of 680? Started with 434. >> Uh, might be mine. Affirm. de Mexican restaurant. Apple bill.

[ __ ] [ __ ] Shake shack. Microenter. Apple bill. Burgers. >> [ __ ] [ __ ] Clouds vape. Diggy. >> Dye is our little nom nom place that we. love to go to. >> You. die. >> Delicious. >> Microenter subscription stash. [ __ ]. [ __ ] Getting going inside. I get. into [ __ ] Gamer subs, dude, you got. to stop. Premium omelets, Apple. fivestar, fivestar vape, Audible. Two.

Audles. Okay. Apple cash. [ __ ] You. multiple overdresses here so far. Three on that one. Then in this. Huntington solace solace cash app, Little Caesars's cash app going inside. [ __ ] Arby's McDonald's sports. clips. It's so stupid. >> That's not [ __ ] I think is fine. You dramatically need it more than. anyone I've ever met. $563 in this one. Hulu, Netflix, [ __ ].

>> So stupid. >> Whose cash app is this? $25. >> Oh, that's mine. >> It's my little bit of. >> Mountain Colorado sending money back and. forth. >> Die. [laughter] Cla Shark Ninja die. Apple Arby's. die. Namies. call this is good. >> What's he saying? $10 in this down from. 400 is money being sent back and forth. What a joke.

What a joke. >> Yeah, I I'm so curious about these. minimum payments. If this is budgetable, I hope it is. I wish you guys the best. I don't know if you will have the best. when you guys are very conflicting on. your mentality around money. I don't. know how the we're going to survive as. longevity as a couple, but obviously I. hope you do. And we've been doing it for. 10 11 years now. >> Yeah, but he's trying to get his [ __ ]. together. >> Yeah, and he's getting his [ __ ] together. enough. >> Yeah, but you are holding him back. Shut. the. >> Oh, please. >> What are you talking about? Oh, please. Have you listened to your language?

Watch this episode back if you can sit. still. >> I will so have fun watching it and all. my mistakes that I've made. Mhm. >> And that's something you're proud of. That doesn't that doesn't embarrass you. to your core? >> Not really. >> It should. Does that not embarrass you, Mr. Whatever your fake name is? I. forgot. [laughter]. Bastion. Bastion. >> That was that was definitely a big part. of like what was holding me back from. coming was just cuz ultimately I am. really embarrassed about where I've. gotten myself. >> No. Are you not embarrassed of him? >> Some days.

>> That's okay. You love me. >> He can love you and be embarrassed by. you and you can love him and still hold. him back in a way that is bad for him. You don't understand that that can. happen at the same time. Buddy, I don't. know what to put for your income. There's no way. Let's try to do some. math real quick. Minimum Okay. Minimum. payments outside of the mortgage is. $3,715.98. Mortgage is $1,62343. All utilities combined, including.

internet, how much? >> That would be like 2,000 3,000. >> What? >> What? >> Wait. Oh, I thought. >> Utilities in Utilities including. internet. How much is it? The the. internet's usually what 150 or. something. >> No, the internet's like 130 something. Utilities 200 217. plus other utilities are about like 35. to 180 in the winter. Like 400. >> It's like 400. >> Yeah.

>> Okay. Probably gas. All right. Uh phone bill. 180. >> Switch to healing when your phones are. paid off if T-Mobile is good there. same. tower, same service, phone, uh gas, vroom, vroom, drive, drive. Not. including what's reimbursed because that. is included in your income. So, how much. net gas? If we're not including my gas, then we then it spends for me 80 a. month. >> Car insurance, how much? >> Uh, it used to be cheap, but now.

>> how much now for the household? >> 62. >> $623. >> Groceries 600. TP fun. Anything else. needed to survive? Toothpaste, all your. good stuff. Toilet paper 150 medical. healthcare. Are there co-pays? >> Um, I'm just paying for dental and. that's 300 left. >> That's a debt. >> to me. Yeah. >> Did I have that debt? >> Yeah, I showed it to you, but you didn't. look at it. >> I thought you didn't send it is is what. you didn't send it. >> I didn't send it. Yeah, my bad. >> What's your minimum? >> It Well, it was still low.

>> What is your minimum payment? You. >> um 30. I usually. >> All right. Adding 30 to the minimum for. debt. And then my Amazon. >> What? There's more. >> Yeah, my. >> Why did you just send your accounts, you. [ __ ]. >> Because they're so low. And I. >> No, it doesn't matter. They are still. balances. Okay. Additional. >> $1287. with a new addition of $29. Every dollar. stretches here. You. Okay. So, no kill pays. Okay. Jim, how.

much? >> Uh, he pays $60 for his gym and he gets. there for free cuz he works there. >> Is that included in your pay? Uh that. you gave me. >> the pay that I gave you should be. >> including that job too. >> because it's on the hunting. >> Was it both jobs? How much do you make. total a month, dude? Why your account. >> with with the other job? About another. $1,000. >> Okay, so 4,000 uh 6,200 from you [sighs]. subscriptions. I'll try to do 40 bucks. You have any pets? Gay always have pets. Pets. >> How much or what?

>> Um we got two dogs and a cat. >> Two dogs and a cat. >> and a cat. So $150 for pet insurance. How much for pet food? No, we don't pay. for pet insurance. >> You are now cuz you could not afford to. keep them alive if something were to. happen. You dumbass. >> How much for your pet food? Shut the up. How much for your pet food? >> You're paying what? $40 to $60 a month. 40 a month. It's not that. >> Of course you don't respect them. You. dress up like one [ __ ] freak. [sighs and gasps] Oh my gosh. No, we love it. We support all kinks. here at Hammer Media LLC.

>> Woof. >> I don't know if we support all kinks. Listen. Um, I think your income's like. $3,000. Huh? >> You can go back on your statement there. >> Oh, I can do anything I want. Are you. kidding me? Say whatever I want. Think. whatever I want. You think I give a you. 9,250. We're calling the income. Trust me, I got my own degenerate kinks. Trust me. Oh, I'm a creature. >> Care to share? >> I'll share them in the post show. So, if.

you want to hear my kinks, ladies and. gentlemen, >> yeah, I'm excited for that. >> You want to hear my kinks. >> post show? I I will share uh two I'll. share my two favorite kinks. >> Okay, good. At least at least you gave. me that goon show, but it is a finance. show. >> Okay, you need $7,72141. to survive on a monthly basis. Insane. $3,750 of that is the minimum monthly. debt payments. So once those are gone, you guys are living high, like really.

well. >> I think that's a lot of where we got. into was that we got the house and then. we were like, "Oh, we don't need to. worry about things." And we turned into. that. >> buy now, worry about it later. >> Yeah. >> All have fun. >> Let's see how much debt you have outside. of the mortgage cuz obviously we're not. paying that off early. >> It's like a 100,000. >> Yeah. Let's find out. Uh, no, it is more. than that, my friend. $129,884.

with the extra 1,500 you have left on a. monthly basis. [ __ ]. just. >> 86 months to pay off. >> Seven years on minimum though. >> Listen, we got to get you a better job. making more money. If you do that, bring. in an extra th000 2,000 hours a month. and we throw it towards that. this gets. paid off in a few years and that that. works. If we can't for whatever reason,

if we can't um and I don't know how long. you're going to be able to sustain 20. hours a day, like what the what are we. doing? That's crazy. Um if you can. change your behavior for a few months, I'll allow you to go through bankruptcy. alone, wipe out all these minimum. payments, and then we can take care of. all the debt outside of the card card. minimum monthly payments. We take care. of the vehicles, you take care of. everything else, that'd be okay with. that. But that's kind of where we're. going to go into bankruptcy though. >> Quiet. That's kind of where we're. landing is where either you need to.

bring in more money or you're doing. bankruptcy or consolidation, but. probably bankruptcy because it'll be on. your record as long as paying off all. his debt would be anyway, but it's a lot. less stress. Still stress and not cheap, but. >> Mhm. >> bankruptcy with the credit cards and we. pay off our cards and everything else. and the time share as quick as we can. and hopefully sell that eventually. But. [music] I think that's our path. Um, okay. We might look at his resume in the. audit. I'll give my in the post. Well, I'll get my kinks and I we'll we'll go. into more shorters. The post show is. always crazy. So, make sure you hit that. join button. Doing the number one.

membership on YouTube, Hammer Elite. Three premium shows posted every single. day, six days a week. Now, we upgraded. it to give you more value. Premium. shows. It's incredible. It is not. uh uh quantity over quality. We deliver. the quality and the quantity. So, don't. worry. It doesn't have to be either or. It is incredible. Check it out right. now. I'll see you there. Okay. Well, your resume is two pages. That's stupid. That's. >> You need to stop. You need to stop. having opinions. >> No.

>> Thanks for watching. For more premium. content, [music] join Hammer Elite this. month for free and discover what the. number one membership on the platform. has to offer. >> See description [music] for more. details.