Affair Exposed On Financial Audit

You want him to lock you down because. you have an extreme anxiety about him. leaving you. You're watching all the. security cameras constantly at his job, making sure he's not talking to anyone, not flirting with anyone. We didn't. know. >> It's still batshit insane. How's the sex. life? >> Okay. Well, that's interesting. In his. checking account, he's actually. purchasing only. >> You said that's cheating. >> He actually will have sex with you. Even. he was subscribed to two individual. ones. >> Why? No, no, no, no, no, no, no. You.

objectively are. They're right here. You. can see them. >> Watch, watch, watch. Oh my goodness. Watch, watch, watch. >> If you scroll, let him talk. Let him. call you. That's gross. >> June 1st, I'm [music] launching the. Hammer Elite app available on every. major platform. Join the weight list by. using the link in the description or. [music] pin comment down below to get a. never-before-seen financial audit video. and an exclusive offer just for you. You'll get lifetime access to the entire. Hammer Elite catalog and our Hammer for.

Life [music] box packed with limited. edition merch. So mark your calendar. June 1st. This is the best membership. you'll ever join and that is a promise. >> Hello, I'm Chelsea and I'm 20 years old. >> I'm Mike. I'm 23 years old. We're from. Gainesville, Texas. >> And this is Financial Audit. >> Why won't you marry this woman? >> Well, why won't you marry this woman? I. know that's why the you're here. not. marrying her. >> So, I feel like our finances has been a.

big part of our relationship since I've. met her. I've been taking care of her. since she's left her dad's house and. everything. >> When was that? She's 20. >> So, when are you taking care of her? >> So, we first met at a July 4th party and. she was 18 and she had a boyfriend and. everything and uh that night we were. just hanging out. She was drunk. I was. sober and I I heard that she likes. >> saying that you guys are like literally.

Why did you start this by line? You guys. met when she was 15. >> Oh yeah. Well. >> Oh yeah. Oh well wait that's right. >> I tried first. >> She She wanted my Snapchat and I was 18. I was 18. I was 18. I was like no no. please. 15year-old. >> Yeah. >> Yeah. >> But you waited. >> She had like braces and she was like you. know. >> He said no. >> Yeah I said no. >> Okay. Okay. >> He wouldn't give me his number, his. Snapchat. >> But my brother did. >> I dated his brother. >> They They kissed. >> What's your brother? >> Uh he's a year he's 11 months younger.

than me. A year. >> Okay. >> Well, okay. That's high school. I don't care about high school. You kissed his brother. Okay. So, you. groomed her waiting for her to turn 18, >> per se, but you know, we're here now. I. mean, >> you're here now and she wants you to pop. the ring, pop the question, and yet you. won't. And I know it ties back to how. everything is completely. Yeah. But she badges you constantly. about wanting to get married. Why are.

you actually waiting so long? What is. happening? >> Well, it's because I feel like in a. place we are right now, if we do get. married, she would instantly want a. child. And I can't afford to support. both. >> I've never said that. >> No. No. You have you you've had baby. fever for a while now. But I wouldn't. have a baby as soon as we got married. And why would it matter? We would be. married. >> I mean, I feel like baby would be the. next step. And you would always want to. do more like steps by step in our.

relationship. >> You didn't answer why you didn't want to. get married. >> Yeah. >> I our finances. >> You said a lot about nothing. >> You said it about the baby. She's like. she's okay with not getting the baby. immediately. Well, I I feel like she. says that now, but once we do get. married, I feel like that's the next. step. And the reason I feel like the. finances are such a big thing in my. decision to not like pop the question is. because I feel like.

she doesn't understand anything with. money. >> But in a marriage, you work together to. understand. >> But you don't understand like a worth of. the dollar relatively maybe. I mean, do. you I don't know. Whose debt is this? Is. it all hers? >> It's all mine. >> Okay. So, that's okay. It's all yours. then. Is it her lack of understanding. the value of a dollar? Maybe she's 20. She's likely not going to I mean, especially um I mean young people today. apparently is like your children until.

25. I don't know. That's what women say. >> Yeah, I think that's true. >> For some reason, we let you. >> That's what FASA says. >> That's what does FASA say. Uh, well, we. let you vote at 18, serve in the. military, drive at 16, and vote. Okay, you can't decide if you're able to get a. go on a date with someone at 19, but. yep, you're a child until 25. Yes, of. course. So, okay. May maybe there's some. truth to that. Not really. But even. still, maybe she's more financially. immature. She hasn't Are you in college? What are you doing? >> I am in college.

>> Well, there you go. So, she hasn't. really been uh an adult yet cuz it's. still like a playground. >> College is like a playground. It's like. it's not much. >> It's really no real world experience at. all. >> I feel like the only reason she wants to. get married is cuz she see sees her. cousins want to get married and that's. literally the only. >> Yes. You're dressing like you're inbred. but. >> what us? >> Her with the camo and all that. >> You're in Dallas. I don't know what the. heck you're doing. >> Well, my cousin's younger than us and. she got married and she's having a baby.

She. >> Okay, so what is the baby thing? You. want to get baby cuz I know cuz this. might actually ruin your relationship. cuz you cornered him at a baby shower. while he was drunk. You were just. badgering, badgering him, badgering him. You sent you sent him cheap wedding. rings constantly on a daily basis. You. saw someone at the baby shower uh get. engaged and you completely lost your. >> bro. Like literally two nights ago she. was like, "I can't do four years of. this. I can't do four years forever.

>> You're 20." Yeah. And I'm. >> Yeah. And also, you're 20, so like it. won't be forever. A few years from now, the thing is like, hey, if you feel. she's the one. Yeah, sure. Sure. Wrap it. up. >> Yeah, I do want to get married, but also. like Wait a second. Like, how long So, how long have you guys been together? >> 3 years. >> See, that also doesn't line up with the. 20-year-old age. Just going to let you. know. But she's about to turn 21. Like, next month. >> Uh-huh. So, you've been together for 3. [laughter] years. I DO. YOU THINK I give.

a if a 19-year-old was as a. 17-year-old? That like who gives a. That doesn't. >> Well, >> you guys, >> the thing is she also had a boyfriend. Twitter. This is. >> Yeah, I stole her. I stole her. >> Well, okay. She cheated on him. >> Yeah. Yeah. >> Yeah. [laughter]. >> You cheated on your boyfriend? >> She did. Well, I don't like to say that. out loud, but. >> you did. >> Mhm. >> It happened. >> I did. >> You did. Hopefully, it doesn't happen. again. >> No, it won't. No, it won't. >> Well, what? You were 17, right? So you.

were 17 and I don't know. It's like a. high school high school cheat. It's like. it's like barely even real life. I don't. know. >> He went to the military. He left. So. >> Okay. So you're a. >> Yes. Yes. >> I sent a letter. >> saying I'm breaking up with you. >> I wrote but did he you before you broke. up with him? >> Yeah. >> See? >> Multiple times. >> Uh-huh. >> So you're. >> No, I don't think so. >> Well, what's your fear? Because you left. a guy. Here's what I have from the. notes. You left the guy. you cheated on. him cuz you're a SL. But the thing is,

you want him to lock you down because. you have an extreme constant anxiety. about him leaving you. So you think if. you go ahead and get married, he can't. leave you. Just because you were a. horrible to someone doesn't mean. he's going to be a to you. Just. because you're a doesn't mean he will. Have you ever cheated on someone? >> No, bro. >> Okay. See, doesn't mean he'll be. >> But the thing is like I feel like he he. wanted to marry you. >> Mhm. like he he wanted to get all those. benefits of like marrying someone. So,

you guys were going to get married. >> and stuff. And then I came along and you. were like, I want to be with him. instead. >> And ever since then, you've been on this. like marriage crusade. >> Well, she's afraid. She's literally. afraid of you leaving. Like actually. afraid of you leaving. And I mean, I. would personally actually be afraid of. marrying this, which is you. I mean, that's actually what I would be afraid. of. >> And I'm okay with marrying that. >> But she No, [laughter] it's cuz No, you. have something wrong with you. >> Yes. >> What? No, you're obsessed with him. You've bailed on that dude. You're.

obsessed with him. You were watching in. all the security cameras constantly at. his job when you first started dating. Watching making sure he's not talking to. anyone, not flirting with anyone because. it's your own security. It's because. you're a cheater. Because you're a. cheater, you think he's going to leave. Because you're a cheater, you think he's. going to cheat. >> Yeah, that's that's one of the things I. feel like there there hasn't been a line. of trust with her. She doesn't really. trust me fully and I feel like it's just. stems from her mother in a way cuz her. mother like did some bad to her.

when she. >> No, she's a cheater. She cheated, >> buddy. She lost her when he when. she saw you be too friendly with a. coworker. >> cuz I didn't want people to think that. they were dating. >> He's friendly with a coworker. >> He was picking her up. He was picking. her up. >> Okay. Okay. Like I get it. Picking her. up. ing her recording her pulling her. hair. >> Hold on. Actually, maybe that's. >> pulling her hair is kind of crazy. >> He will pull her hair. >> Well, if you were, that is actually a. little. >> right. I didn't want people to think.

that. >> Well, why are you watching the cameras? >> Yeah, that's also insane, by the way. Batshit insane. >> Well, my aunt let me. She'll be like, "Here, you can watch him.". >> All right, you need to see this. This is. a multi-page report of what data brokers. claim to know about me. my addresses, phone numbers, relatives, spending. habits, stuff I didn't even remember. telling anyone. And these companies are. making billions selling this to. literally anyone. Scammers, spammers, whoever wants it. And let me ask you. this, do you use apps every day that you.

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personal info off these data broker. sites. All right, let's get back to the. episode. >> Yes, but that doesn't change. It's still. batshit insane. >> We didn't know because you're a cheater. You think he's going to cheat? >> Yeah. Why don't you trust me? >> I do trust you. >> No, no, no. She's afraid of you leaving. It's not that she doesn't trust you. She's terrified of you leaving, finding. someone better, someone not so. [laughter]. I mean, I love her. >> Oh, that was a cope laugh if I've ever. heard it. Why do you say that? >> Because every time we talk about.

breaking up, he like cries. Like gets on. his hands and knees and he cries. They'll leave me. >> gay. >> No, it's not. It's not that. >> What's wrong with being gay? >> No, I don't have problems with the gays. Okay. It's just uh I feel like she. doesn't understand that every argument. we have, it ends up with her saying, "This is my house. This is my house.". house. She says this. >> Yes, >> it's your You own a house? >> No, my dad bought it for me. >> So, technically, it is my house.

>> You're a cheater and a spoiled. >> It is my house. >> This is why you don't have debt or. anything cuz you're spoiled from the. parents. >> Oh, what college do you go to? >> NCTC. It's a community college. >> Okay, never mind. Okay. >> And I pay for it. >> Well, you have a loan. You have a loan? >> No, I had a loan. Had. >> you pay for it? But that kind of works. like that when your parents have bought. you everything and you have no overhead. Yeah, that's easy to do. >> That's what your parents are supposed to. help you. >> Yeah. Not buy you a house. It's cool. that they can, but you also haven't.

learned anything by 20. And that was one. of his big fears. >> Mhm. >> Well, I feel like the way it happened is. because our apartment was way too. expensive and you were like. >> kind of like crying about it. Be like, "Hey, they're raising our rent." And. stuff like that. And they're like, "Oh, let's help you out. Let's buy you a. house." Well, my parents, we were at a. Christmas party and they were drinking. and I asked him, >> so they drunkenly told me yes. >> Dude, you were on the phone with Lindsay. literally bragging like crazy that you. use your parents like an ATM.

>> Bragging. Is that a joke? >> I love my dad and he helps you. >> That's who you want to be with. Someone. that's going to sugar him, too. >> No, the thing is. >> Yeah, but she's going to like just. endlessly be draining money from you. forever. >> I feel like the reason your dad helps me. is because he's doing it for you. And I. feel like that's something that I I want. to like have things of my own and things. that you can't say it's yours only and. it's your truck and stuff like that. because he was going to put the title of.

my truck in your name cuz he was scared. that I would take the car away from you. if we ever did break up that I paid for. all out. >> No, I pay for the car. >> No, I pay for the truck. >> Like all of it. >> He wanted to put the truck in my name. even though he paid for it cuz it was my. dad's truck. Okay. I don't know. So, listen. I mean, I get Well, actually, not not You guys. have been together so long. I actually. don't understand the dramatic fear of. him leaving. What is this? What is this?

Watching the cameras and all this freaky. It's so weird. What where is. this fear coming from? Where's this. severe anxiety coming from? >> I don't know. I don't know where the. fear is coming from. >> Why do you think he's going to leave? >> I don't think that he's going to leave. >> Then where? Well, you wouldn't have. anxiety about him leaving if you don't. think he would leave. There's a part of. you that clearly does enough to boil up. to extreme anxiety, I'm being told. So, where does that come from? What What is. it? What have you seen? What have you. thought? >> Yeah. Yeah. What do you think? >> Well, he flirts with all his co-workers.

>> Okay. I work a job with a bunch of guys. >> Not now. >> Yeah. >> Now, do I flirt with guys now? >> That's so awesome. Endearing. >> There was a girl, again, homophobic. I. don't understand. There was a girl that. he worked with that wanted to marry him. so she could get her green card. >> Okay. >> We're high school friends. >> Talk to her. No, that's weird. >> We're high school. >> Is she hot? >> She's okay. >> She's Yeah, she's. >> Show me a picture. >> Okay, I guess. Okay. >> Well, >> yeah. I call her mid in front of the one.

that's terrified about you leaving. >> She's okay. >> Tell me, how long were you him while you. were with that other guy? >> Be real. >> Um, like three probably like 3 weeks. a. month. >> That's crazy. That just because you're a bad person. doesn't mean he's going to be a bad. person and leave you for someone else. You got to stop with this. >> Your brother? >> No, she's actually kind of. >> See, that picture is even weird. That's. >> She's She's Yeah, like probably seven.

>> Seven. It's crazy. Mid. >> Yeah, maybe. >> Well, she was enough for me to freak out. about. Yeah, which is fair because. you're probably like a. >> seven as well. So, yeah. I mean, it. makes sense, >> right? Yeah. So, fair enough. >> Now, when you guys immediately got. together though, all of your finances. were immediately spit 50/50, which is. crazy cuz you were 17. Like, what the we. doing with that? And you were what, 20? Well, how old? >> So, 19, 20, whatever. It doesn't really.

matter. Um, >> that's a crazy time to be combining. What are you guys trying to speedrun? you guys are like it's the 1920s or. something. >> I think we are rushing through life. We're not taking everything slowly. But. the thing is like we we we have goals. and. like we want things to happen. >> No. How long is she going to stick. around? I know she's afraid of it now, but how long is she going to stick. around if you don't actually put some. work in? >> I said four years. >> She said four years.

>> Four years from. >> No, no, no, no. Like like if it doesn't. happen from. >> when? >> No. No. If it doesn't happen in a year. or so, we're done. >> Mhm. >> 4 years of like Yeah. >> And what's your hesitation? >> It's I feel like. >> you said finances. >> cuz she doesn't talk about them at all. Like she doesn't she blocks it out and. >> you don't like to you want to be a wife, but you're not willing to talk about the. household. What is wrong with you? >> Cuz it's not my finances that are like. bad. >> It No, but talking about the finances. are still important cuz they're going to. be united essentially. Well, I don't.

understand when he talks about them. >> Gives her a headache. >> You might have to down. >> gives me anxiety. >> You might have to dumb them down. I. know. I know. Yes. A little SSRI girl. Yep. >> She has a weird comp like a weird. relationship with money. I feel like she. doesn't understand when I talk about. like my credit cards or anything or my. bills coming up. >> Maybe not. You might have to dumb it. down. That's okay. But why aren't you. willing to talk about it? Like what? You. get anxious from that. You get anxious. about him leaving. You don't have money. trauma. You've been spoiled like crazy. Why aren't you at least willing to talk?

Even if you don't fully understand, just. talk. >> I do try to talk. >> No, you don't. Yes, I do. >> She She says her stomach hurts. She. can't talk. You're giving me a headache. if you're talking about finances. Like. any conversation that I bring up, >> I don't understand what he talks about. I don't understand it. >> Also, when you get anxious, yes, your. tummy hurts. Go Come back. It's. fine. That's what happens when I get. anxious. >> No, I like to lay down when my stomach. hurts. >> Good. Lay down and then talk. Mm-m. >> You don't get to just walk away from. everything everything when you feel just. slightly uncomfortable, though. Cuz the.

hardest things in life, the things that. you'll want to get to together, especially as a couple, will require. some uncomfortable. moments, some anxious moments, >> but I don't understand the problem. >> What is the state of this relationship. right now? >> Okay, we we've been arguing lately. because I've been working a lot. Like, I. work. >> 14our days every every week. Isn't that. a good thing though to so he can pay off. his debt for? No, it's cuz it's cuz you. don't know how bad dad is because you're. a spoiled. >> I don't know what his debt looks like. I.

don't know. >> Cuz you won't let him tell you. >> He won't tell me the truth. >> I I would want to tell you, but the. thing is you don't want to hear it. Like. I I do want to tell you what I have, but. the thing is I don't tell her what I. purchase. >> Why? >> Cuz I if I'm doing something and I want. to get something, I I just get Yeah, I'm. talking about reflection afterwards. Like at the end of the month, we sit. down, we talk about where money went. >> I I want to, but. >> I want to do that, but the thing is with. you, you just.

>> you spend your money like it's no care. in the world. You spend it like, oh, I'll look at it better. >> Do you not? >> So, you have a problem with him working. a lot? >> Yes. >> Yes. >> Why? >> Because then he doesn't help me at home. at all. >> Help you at home? What's help you at. home? >> He could do the dishes. He don't do the. dishes or clean the toilet. Don't be. arguing right now. And um how's the sex. life? >> Anyway, how is your sex life? >> So, I had my wisdom teeth taken out. So, it's been a couple weeks.

>> Three. >> Is because he's. >> What? What does that. >> is that a thing? >> Okay. No. I'm being told no. >> No. It's like weird to kiss somebody. with. her still. >> But he had holes in his mouth. >> I wanted to, but she's like icky about. it. >> It weirded me out. >> Sex. No, the holes in his mouth. >> Don't kiss him. Just have sex. No kiss. >> Bro, we could have had before that with. all the craziness going on. >> Not good. >> It's not good. It's winding down. >> Mhm. >> Why do we think it's not good?

>> Yeah. What? Why? Because you're the. person. >> Probably because we argue all the time. >> So, he's arguing all the time. >> No, I don't argue. She argues. >> He doesn't listen. >> We're arguing all the time. Our sex life. has gotten bad. All while we want to get. married. Is he allowed to watch porn? >> No. No. >> And not have sex. >> Nope. >> Nope. >> That's a hard rule. Yeah. It's a. cheating per in her eyes. >> Really? >> Yeah. >> Okay. >> Or looking at anything. >> So, what was it before?

>> Our sex life. >> Yeah. >> It was good at first. >> No, no, no, no, no, no. I'm saying you. said it was bad before the wisdom teeth. >> Yeah. >> How bad? >> Oh, once a week. >> But she's not once a week. Once a month. >> Once a month. >> Yeah. Trying to make self look. So once. a month. So it's deteriorating because. the fighting. >> Mhm. >> And he can't watch porn. >> No. >> He needs to you instead of watching. porn, right? >> Yeah. >> Okay. Well, that's interesting. And his. checking account, he's actually. purchasing only.

>> I didn't even Are you for real? >> Okay. I think that's a recurring payment. and I cancelled it that month. I swear. I swear. >> I swear. >> That's so gross. That's so gross. >> Gross. You said that's cheating. He. actually want to have sex with you even. >> Well, I want to have sex with you. >> You're once a month. >> No, I No, I'm the one that instigates. sex. >> She doesn't want to have sex with me. >> Is that true? >> Most of the time. Yeah. >> Why? >> I'm tired. >> No, you're I think you're tired. That's.

fine. Got it. But no point the rule. Not. only is he watching, which is uh free, he's paying for. >> Okay. Okay. >> He's right now. Oh, I noticed that. during that month because I have. >> It was the most recent month. >> Oh my. >> It is. >> What do you think? >> That's so bad. >> That is bad. >> Really? This seems like an. underreaction. I'll be honest. >> That is really bad. Like I should have. cancelled a long time ago. >> I was I don't know what to think about. it. >> What's actually happening in your brain?

>> No, you got to you got in this. >> Like I'm actually in shock. >> In shock. Angry. Are you. >> I am a little angry. I mean, maybe. that's why he doesn't let me go. >> The thing is No. >> Is that why. >> I don't know what he's spends his money. on. >> Let me see your phone. >> Here you go, bud. >> And I don't go through his phone, so I. wouldn't even know. >> Uh-huh. Well, you shouldn't.

>> I feel like if I go through his phone, I'll find something. >> It was a hard rule to say no. >> Mhm. This is when when did we agree on. that? >> When we first start dating cuz he used. to be addicted to it. >> No, I said really. >> he started watching like seven. >> He was addicted to it and yeah, he was. paying for only last month. >> There you go, bud. >> He was subscribed to two individual. ones. I'm going to be real with you. Your debt is not the same as everyone. else's. You've got your own unique mix. of credit cards, maybe some medical.

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>> Yeah, the most recent month. >> This year? >> Yes, this multiple months into this. year. Absolutely. He's been paying for a. lot. In fact, he tried one on in. February. He tried one in March, then. another one end of March. He's actually. subscribing to a lot of Only people. >> Why? >> No, no, no, no, no, no, no. >> No, you objectively are. They're right. here. You can see them. >> What? Yeah, but like the thing is. >> like you can't just say no. Like they. they are they're right there. >> Why? >> I I Okay, so.

>> I'm sorry. Listen, here's the reality. The reason I'm bringing this up, you. want him to propose to you. He's not. proposing to you. Guys, the sex life are. a disaster. You won't talk. You won't. communicate. >> He won't propose, but he'll actually go and subscribe to. only people even though you've had a. hard rule not to because he had a poor. addiction in the past. >> Yes. And now he's literally paying for. multiple oafers a month. >> Well, I feel like. >> multiple oeers a month. This is a cope. Any kind of rebuttal to that is insane.

>> But I feel like our sex life has been. going down since our like two first two. years. And I feel like. >> But that's cheating. >> It is cheating. >> Here's one of them. >> That's cheating. >> Oh Jesus. >> You're so That's so bad. >> Yeah, that is pretty bad. Uh, but in a. way. >> and my dad's going to see this. >> Yes, he Good luck. >> Yeah, that that would be a conversation. But your dad watches. >> No, he doesn't. >> I I know this one. >> Why would I? >> Yeah. How you know this one, Caleb? >> I've never paid for it, but she's.

everywhere on social media. She's the. one that goes on to Lamborghinis and. like smashes. >> Okay. Honestly, that's why I purchased. that one cuz I was curious. >> a month ago. But by the way, >> it was it was fake. They're fake. Not. very good. >> cuz you can see the purchasing price. It. was like $5.99. Why do you even have you. hear this? It was a deal. Why do you. even look? >> He thinks this is a joke. This isn't a. joke. Is this a joke to you? Cuz he's. actually treating it as one. >> It's not a joke. >> I was smiling. >> He's legitimately treating it like one.

>> It's not a I know. >> You said you got it cuz it was on sale. >> It wasn't It was risky pictures you. could post on Instagram. It was bikinis. >> No. Dead ass. Dead ass. >> I know her. >> No. Dead ass. That whole month it was. just lingerie. Purchase it. >> It was not. >> Yes. Swear. >> Bro's going to try with [laughter]. hopefully not. >> And here's the other one. >> Those are his most.

>> Okay. Okay. I know why I got that one. >> because she she she like. >> that's his most recent. >> this year. >> The most recent. Yes. From here. >> Yeah. And this one's the one he's currently. following. >> I currently follow somebody. >> Yes. >> Yeah. >> Yes. You're such a prick, dude. You're. such a liar. >> Her. >> That's who he's currently. Um,

>> so you're watching. >> That's free. >> It's only the app or you have to search. it. >> It's a website. >> You searched it. >> No. >> Yes, you did. You probably have an. account. I I do have an account, but I. got it before you and uh yeah, I was. just doing it because there was deals. and they're kind of promoting it and uh. >> that's so weird. >> But the thing is I stopped. I did cancel. them. >> right before you came on the show, which. is what everyone does. Dude, you got.

>> you got caught. >> Yeah, I did. 4K. >> and that's it. >> Yeah. What do you think? What are your. actual real thoughts? I know you're. you're playing like you're playing. chill. >> Maybe your mom has an extra room for. you. >> Are you actually thinking that? Well, probably. >> Or are you just joking? >> Cuz all her sons moved back in. >> No. >> So, just family reunion?

>> Okay. >> Thank you, big guy. Okay. >> Oh, for real? Yeah. Here you go. So, you've been afraid and anxious. anxious of him leaving. >> Mhm. >> And of him looking at other girls and. all that stuff. And then you caught. that. >> Yeah. >> Did he cheat? >> That's cheating. >> That is cheating. What do you think. about it? Yeah. How is he going to pay.

for it? Actually, come on. >> I don't know if you're just not able to. stand up for yourself or what, but. >> I I I think that I'm really shocked. I. have no idea what to say. I did not know. that he was doing that at all. >> Uh the thing is with that uh I feel like. in a way. >> I'll pack his bed. >> Yeah, you laugh. You laugh. Is that a. joke? But that's a real ill. I have. locked him out before.

>> She has. >> Why? >> So I was getting this tattoo right here. and. >> he was taking too long. >> No, that was a different time. Like the. most recent one? >> What was the most recent one? >> He went out with some friends like in. Denton. >> Oh, I was playing basketball with my. friends. >> for like eight hours. >> cuz we were talking about catching up on. live. >> He was supposed to be doing Spark. >> Okay. Well, now I'm on his side for a. second. What? What? Let the dude flip. Like why do you have to be like. >> I haven't hung out with my friends every. year. We I. >> As long as he says he's going out like. you're okay. >> No, he didn't tell me. He said he I'm.

going to go. >> She always says no, Caleb. >> Okay. Yeah, but if you. >> She always says no for me to hang out. with my friends. >> That's weird. >> He's a grown adult. He can go do it. He. just don't do it. >> But then you lock him out. >> He knows the consequences for what. happens when he's cuz he's kind of with. a crazy. >> Watches him on cameras at work. >> I watched they were streaming too and I. watched it and he was declining me. >> because I was playing basketball. I was. playing basketball. >> And that's okay. He doesn't have You. guys don't have to be together 24 hours. a day. That's not healthy. >> No, but he was supposed to be working. and then he just went. He could have.

been like, "Hey, I'm gonna go play. basketball.". >> If I can't work and then have a like at. least a life in my perspective. >> Yes, absolutely. You should be able to. have friends now. You should. communicate. But for what to worth, if. you don't hear back from him, that. doesn't mean he's like literally. murdering someone or cheating. >> Well, what if he like got a wreck or. something? How How am I supposed to. know? >> Lock him out. >> He may have gotten a wreck, so let me. lock him out. >> He knew he messed up. He didn't answer. all. He knew he pissed you off and he. wanted to quell that.

Yeah, I gave him a blanket and locked. the door. >> I slept on the couch that night. >> I ended up letting him in a little bit. later. >> You're kind of crazy now. I mean, which. may have pushed him to do this. extracurricular activity. >> I feel like she she wants me to focus on. her and that's it. Like her. >> Who else would you focus on? >> Well, the thing is. >> he's allowed to be his own person, too. >> Well, >> well, the thing is I give you all my. energy and it's still not enough in a. way. Like I give you all my heart and.

everything and you feel make it seem. like it's not enough. >> Wait, you're watching? Oh, that's weird. >> That is weird. And uh it's not. necessarily weird. It might not be the. most healthy especially for someone with. a porn addiction in the past, which. means he's definitely still watching, by. the way. >> Are you? >> Yes. >> Okay. I'm into it. I'm into it. >> How frequently? I would say if I'm alone and she's not.

home and she's doing other things and I. have the day off or whatever at least. three times. >> A day. A day. >> before she comes. >> A day. How a day? [laughter]. >> A day. >> Not a day. Not a day. When uh I have. nothing to do. >> three times in a day. That's. >> it's not always okay. It's not always.

>> what what does that mean? We have our. own. >> Okay, we have our own. >> I got that. >> But it is sometimes many times many. times. >> Spice it up. Well, you know, you got to. get the hot Cheetos. >> I know. But listen, the crunchy chips. >> I don't have too I don't really have an. issue with Okay. Unless someone has an. addiction, but she specifically made it. the rule to not. >> Yes. >> Okay. You're flatfaced. >> I don't know what to say. That's.

shocking. What's going through your. head? My feelings. It hurts your. feelings. But you're never going to. leave, are you? I think you're like, >> "No, you're like obsessive or. something.". >> Like, this doesn't matter to you. Like, it does matter. It does, but you're. never going to do anything. You like You. don't care. >> I'll let him I'll make him go stay with. his mom. >> I will. >> What? It's like a time out. >> cuz he hates You don't like being over. there. >> Well, the thing is if I'm living with. I'm not going to live with my parents. I'd rather live in a motel than live. with my parents cuz I feel like if I go. back I like their phone again. >> Give me your phone again.

>> Yes sir. >> So I'll call your mom and say your son's. watching only come live with you. >> anything I want. >> That's okay. >> My show His most recent search. results are like uh Riley Reed threesome. on Reddit. So this is where he watches. porn is on Reddit. So Riley Reed. >> You said you didn't have Reddit. >> and Kimmy Granger. No, he has Reddit. He. You said you deleted it. >> Kelp's a smart guy. Okay. He's. >> Why would you not at least delete it. before WE GET. >> JESUS CHRIST?

>> YOU WATCH THAT. YOU LIKE THAT? >> NO, I DON'T. >> YES, OBVIOUSLY. >> NO, I DON'T. >> IT WAS THERE. >> I like threesomes. >> Yeah, he does. with uh what? Two guys tagging a chick. >> No, no, no, no, no. Please. >> Okay. Homophobe again. Jeez. Kind of. crazy. Oh, I see the ones he's watched a. lot. Watched, watched, watched, watched, watched, watched, watched. >> I was picking the right one, Caleb. >> I was picking the right one. >> Watched, watched. I could have watched. watch.

>> Oh my goodness. Watch. Watch. >> If you scroll, watch. OKAY, FINALLY. GET. OUT. LET HIM TALK. Let him call you. That's gross. That's gross. >> Okay. Oh my gosh. Yeah. No. Dude's. watching a lot of Riley Reed threesome. >> Who is Riley? She's a. old school. >> I would have That's so gross. I don't. know what to say. I have no idea what to. say. You hurt my feelings.

>> I know. >> Like it makes me look at him gross. >> I get that. But the thing is. >> that's gross. That's gross. >> This is Riley Reed. >> Okay. Okay. >> I [laughter] I don't watch that. >> Okay. Okay. She kind of She kind of. >> Okay. So, why are you watching her? because I can't watch you because you. don't have sex with me. >> Boom. Roasted. >> Which I think relatively it's a fair. compromise if you're not having sex that. he should be able to maybe.

>> that's not fair. >> No, it's not. >> Okay. What is he supposed to do? >> I have knees. He does have knees. >> And he has a right hand. He can use. that. >> Yeah, but you won't do something. >> That's weird. She makes it weird. She's. like. >> Cuz I'll be sleeping. That's weird to do. it right next to me. Okay. >> Yeah. Why can't you go somewhere? >> Because I can't imagine things. That's. the thing. If I do fab, I have to watch. something. I have to look at. >> her sleep. >> No. No. She usually does something to. And she makes it weird. She makes it. weird. She makes it weird. And she.

doesn't like that. She She makes faces. >> like Oh, disgusting faces like that. She's like, "What are you doing?". >> Cuz he makes weird faces. >> So, what am I supposed to do? Well, yeah, he's nutting. Like. >> I like what can I do if I. >> Okay, so what what do you expect of him. then if he can't like. >> Well, we can talk about it. We don't. talk about it. >> But what do you mean about sex? >> Well, no, we can't [laughter] talk about. it. We can't talk about it because every. time I bring it up, it seems like it's a.

need. Like she thinks that's all I want. in this relationship is sex. She makes. it sex is like the biggest thing I feel. like in our relationship. That's what. she thinks. Like that's all. >> that's all it was in the beginning. All it was. I don't like to have sex all. the time. >> But the thing is I have a high sex drive. and that's why I'm. >> Is he allowed? >> Yeah, that's fine. >> But why not? >> Cuz that's other women. >> You're not giving him you.

>> Well, he doesn't tell me. >> Well, if you No, no, no. It does affect. me because you you don't you don't like. do anything sexual like. >> I'm just not a sexual person. >> which is okay but like he he needs to. like he needs to come. >> She doesn't have any power in a way. She. she could kick me out. Yeah. >> No. Yeah. She She can't leave you. She. She's obsessed with you. She has a weird. obsession and I think she's like 20.

She's like her hormones are going crazy. uh like she on she's on baby mode 24. hours a day. She just wants you to. unload and get her pregnant. That's. really all she wants. And then she'll. regret it when she's 35. because it's with someone who she maybe. she doesn't even want to be with. >> No, I do want to be with him but not. him. Him. Him. The one that wants that The. life you don't want. >> No, I don't want that. But I think we. could.

>> Especially in three ways. Would you. bring in another woman? That seems to be. his thing. No, no, no. I wouldn't want. that. I wouldn't want that. >> You wouldn't? >> No. No. That's a fantasy. Not something. I want. >> Usually fantasies are they like it. They. want it to be a reality. But okay. Yeah, sure. >> Well, I feel like she's she's always. been trying to craft me to be her father. in a way. Like actually, >> huh? Like that's what she's been wanting. is her somebody her dad can like accept.

in a way. My dad has high standards. >> Exactly. >> It's not unfair. I mean, he wants the. best for his daughter. That's okay. Want. me the best for your kids? A good thing. I Well, >> and it's also a reason why I haven't. proposed yet either is because I don't. feel like he would say yes. >> Oh, shut the up. >> No, I'm being Yes. Your dad has said. that he would have to like think really. hard if he would let me have your hand. in marriage. And you told me that. Plus, our cultures are way too different. >> What? >> I'm Cuban and she's white. Oh, come on.

>> That's what I said. >> How Cuban are you? >> 100%. >> No, but like you're raised. You're from. suburban Dallas. >> No, I'm from Buffalo, New York. >> Oh, Buffalo, New York. The most. tropical. >> Well, well, my parents are from the. boat. >> Yeah, your parents, not you. >> That's what she explains to her father, but she he thinks otherwise. >> What? >> Her father thinks our cultures are too. different. >> What does that mean? Usually like. hyperconservative people like him like.

Cubans cuz the Cubans hate socialism and. stuff. >> He thinks our He thinks our wedding will. be different. Like we'll. >> want kid to be named Jose. >> He doesn't want. >> Well, no one wants that. >> Well, my dad thinks that he's Mexican. [laughter]. >> He's not Mexican. He does. >> I thought you were white, so I don't I. don't really know. >> exactly. >> You're white. She's pink. >> That's. >> Oh, yeah. [laughter]. >> No, >> she's a little embarrassed. Uh but. >> well yeah cuz you just got exposed for.

essentially doing what she considers. cheating for the last. relationship. >> That's not fair to her and that's also. been weighing all my conscience. >> Yeah. What's her dad going to think when. he sees this? >> The same thing he's been thinking. >> I think a little worse now, right? >> I think so. He'll probably never He probably won't. want us to get married at all. >> Yeah. >> What about. Sorry. All right, I know this has been a. very sexual episode so far, but it is. actually apparently their whole thing. What about a little?

>> No. >> Mm-. >> She doesn't do mouth things. >> She hates Hand jobs. >> He doesn't It's uncomfortable. >> Do you do oral on her? Sorry. >> Yes. Yes. >> Oh, come on. That's only fair to go. back. >> Like literally, that's all she wants. from me. That's why she hasn't let. >> Oh, You don't want him in. >> No, she does. No, she does. Actually, >> a month. Oh, she has a UTI every other day for. some reason. >> Are you kidding? >> It happens. It happens to women.

sometimes. Yeah, it happens. >> Yeah. Yeah. Yeah. No, no, no. That's. normal. I. >> Now I'm embarrassed. You didn't have to. say that. >> I am embarrassed. >> I think everyone that's been with women. knows that. That is more common than. you'd probably think. It's not talked. about very much, is it? But no, no, no. >> We'll call the dad in the post show. What do you guys think your hammer. financial score is? 0 to 10. Zero being. the absolute worst, 10 being the best. If we're combined, if we're looking. towards marriage, >> zero, >> three. >> What about cheating score? 10 being the. most cheaters in the world. 10 being.

nothing. >> 10. >> Yeah, we're I guess because you think uh. cheating, so it's. >> I went to his Snapchat. I was expecting. to maybe see a one. I didn't see. anything. >> Yeah, I don't. >> So, if there So, he's at least not. talking to someone else as far as I. know. >> Mhm. >> I don't trust that face. >> I didn't trust you either. >> I don't know why. What? >> No, no, no, no. I am not talking to. anybody. >> I feel like talking to somebody.

>> No, I'm not. >> Okay, that sounds unconvincing. I'm just. really nervous because the whole like. thing has been brought to light. >> Well, you know, which is a good thing. >> It was on your statement. >> and you get to choose what's not talked. about on the show and you didn't say it. >> Okay. Well, the thing is it it it has to. be brought to light. I think that's a. good thing. >> Well, you didn't have to wait to go on. the show to that. >> Well, if I told you earlier it. >> because he wasn't going to tell you on.

the show. I did. >> Yeah, you did. >> He wasn't going to bring up to be. clear. Not a chance. That was me who. exposed it. >> Well, I'm glad. >> Yeah. >> It's just unfortunate you're not going. to do anything about it except for a. little timeout. And unfortunately, you're just going to be stuck with that. your entire life. Someone who's, to be. very clear, this is an example. And yes, even if it is something more addictive, which is true, there are many addictive. things in this world. He is someone. where you guys made a clear boundary on. something and he's been doing it like.

every day behind your back for years. What does that suggest for anything else. for the rest of your life? >> He's going to keep doing it. >> Just saying that. Plus, who knows what. else? If he's willing to lie about that. constantly, what else will he be willing to lie. about at 50? >> June 1st, I'm launching the Hammerly app. available [music] on every major. platform. Exclusive dedicated shows. every single day, Monday through. Saturday. And to celebrate the app. launch, I'm offering 30% off the annual. plan in the month of June only. Plus, I.

have an exclusive offer just for you, but limited to the first 1,000 people to. purchase. For a onetime payment of $500, you'll get our entire Hammer Elite. catalog for life and a limited edition. Hammer for Life box packed with merch. you can't get anywhere else. You'll get. a limited edition Caleb Hammer. commemorative coin, a budget planner. notebook, a Caleb Hammer credit card. skin, Caleb Hammer emoji stickers, a. limited edition Caleb Hammer plushy, a. limited edition Hammer Elite mug, a. limited edition Hammer Elite hat, all. packed inside a custom merch box. Once.

[music] all 1,000 boxes are gone, this. offer is gone forever. Join the wait. list by using the link in the. description or pin comment down [music]. below. So, mark your calendar. June 1st. This is the best membership you'll ever. join. And that is a promise. That's kind. ofing stupid, I'll be honest. But what's. not is actually getting a checking. account that gives you free money. Free. money. We like free money. You can get. up to $200 in bonus cash right now when. you sign up for the checking account. that I use, Chime. Also, it makes your.

savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and. get free money at the same time. Who. would have thought? That's incredible. Check it out. Link in the description. below. I feel like I needed to tell her. with somebody instead of me just coming. out with this exchange again because she. would instantly just not want to talk. about it and just tell me to kick out. >> Did she straight up say no to going to. couples therapy? >> Yes, >> bro. Like, >> why the no? I said, "I just don't want. to talk about it. Let's not bring it up.

again.". >> Cuz I told her I. >> What? >> I don't I don't want to go to therapy. >> Why now? >> He does for you two. It's not. necessarily for you. It's for your. relationship and him. >> Like I gave her an ultimatum. I was. like, "Our relationship won't work if we. don't go to therapy." And I did. >> Everything's about you and it's because. of how you grew up. >> Well, we can go to therapy now. Oh, now. that you got called out, now that I'm. calling you out and now that you're. being an explosive, selfish on. camera. >> cuz I did want to talk her to her about.

the point because if I did do it. separately, she would just tell me get. out of my house. >> But you were going to I brought it up. >> No, no, I was in therapy like actually. because I was going to tell her. >> and she said no to therapy. So when. would it have ever come up? >> When we came to the show. That's why I. applied to. >> No, it wouldn't have it would not have. come up in the show if I didn't bring it. up. Correct. >> Uh not from my notes. >> Yeah. Not from not from any of the. interviews. >> You like to search, >> huh? >> You like to look through people's. phones. >> You were No, I I would I never go. through people's Reddit or people's.

only.com. Never. Never. Unless there's a reason. this would not have come up. That is a. cope. What would you have actually done? >> Kept it a secret for the rest of our. lives. >> There you go. That's the reality. If you. want your camera financial score, get it. for free at Caleb.com. See where you. stand in the world of money, where. you're doing poorly, where you're doing. great. It'll tell you for free in just a. few minutes. And if you don't want to be. like a guest who ends up on the show, couple Sarah paint and download the. dollar wise budgeting app. Take the free. trial. See if it works for you and sign. up for the annual version if you like it.

because that's what most people do as it. saves a lot of money. And you get my. personalized 30-day meal plan signed by. me mailed directly to you and the. digital version of our cookbook that. goes over every recipe. It's every. single day of the month. All drinks, all. snacks, all meals. No more excuses to. not budget your food. >> I've been waiting for this a long time. >> Dollarise that app link in the. description below. >> Caleb. >> Okay. Well, let's go to this. I mean, I. think this is this is financial audit. and this is a finance show. 53 minutes. in, but. this is a very important part and this.

is going to be probably one of the more. important parts leading, you know, going. forward heading into marriage and all. this And you haven't had that. Why. do you look at like three different. directions at once sometimes? >> Where? >> That's what I'm asking. >> I don't know. >> She goes crosseyed, doesn't she? >> No, I do not. >> She's kind of not all the way up there. in a way. Oh, you aren't. >> I am. I feel like uh there's a reason. why I work. >> I feel like I look at people's eyebrows. >> No, you just did it again. You're. >> cuz I looked up and then down. >> No, no, no. Yeah, but one of your eyes.

>> Oh, well that's a freak. So, this is an. important thing. >> Yeah. >> And you haven't gone over it. But all. that we talked about at first. >> could have been gone over. >> That is going to be borderline even more. important at least for now. Maybe into. the future as well. You guys need to go. to couples therapy probably. immediately. Again, not one of the. enablement therapists, which. there are many of and that cater to. young [sighs]. >> but you need a good one that'll actually.

down your throat. >> Okay, >> find one. >> I told you we need a couple stairs. >> Is she actually going to or she's just. saying yes to the camera? You know her. >> Only for the camera because she hates. therapist. >> I'll try. No, I'll try. >> I'll try. You just go. What do you mean. try? >> If I don't like it. >> No. Is that Nobody likes therapy. The. thing is, there's multiple people that. we could go to and then find the one. that you like because I don't care. I. don't care. >> The person she likes might be one like. her daddy that just makes her think. she's great and shits on you. That's not. necessarily the most healthy.

>> Like I I don't want to be on all. the time. And I sometimes I do deserve. it. Like right now like Cable Caleb. on me for the Only Fans, which is right. And I feel like. >> And I'll on her in the video her. and I make after this. >> Oh my. Oh, spicy. >> We'll give it to you so you can play. with yourself later, though. >> So, the preferred card. Who's this? >> The what? >> Except for preferred mine. >> That's right. They're pretty much all of. you, right? Except for student loans you. said you have. >> Mhm. >> Yeah. >> No, but he's right though. He He is.

right though. For what it's worth. >> Therapy. >> Stop being a spoiled. >> I'll try. >> I try try. >> Huh? >> Her dad's always going to be there. So, and also that's not true, but so. >> I'm only 20. >> So, >> I'll work on it. I'll attempt. >> what? Attempt to what? >> Work on what? What does your dad being. there have to do with anything? >> Well, how is it my fault that I'm. spoiled? >> Oh, I thought you meant going to. therapy. >> Oh, well, I didn't know what we were. talking about. Therapy or my dad?

>> I thought you were talking about. therapy. >> Oh, I'll try to go. >> $120 minimum. Whoa, guys. I just. realized. What do you do for work? >> I'm a lab tech. >> What do you make? How many hours a week? >> Uh, like 32. $17 an hour, >> huh? >> No. 17 hours. >> What's your paycheck usually? Average? >> 1,200. >> every two weeks? >> Nope. >> Yeah. Yeah. >> Is that gross? Is that gross? She. doesn't really know. >> It's like 1,200 that goes into my bank.

account. >> But you haven't worked a full week of. work at all because I've been. >> That's why I said 32. >> Nah, bro. Nah. 17 * 17 * 32 isn't 1,200. >> 1,100. >> it's less than that. >> what is it that I don't know I have your. unfortunately payrolls combined. >> the thing is she last. >> what do you make. >> I make. uh. >> what do you do. >> I am a welder helper and I also do spark.

so combined I make400 a month gross. >> that's good look at you. Wow. 23 in the trades, get you a course. career certification, doubling up those. trades, maybe like uh construction, project management, that kind of thing. Convert that into a six figure jobs like. many people out there have. Um, and. unfortunately, if that is his paycheck, that means the only other thing that. came in was about $72. >> $72. >> So, unless he made less and you made a.

little more. Pay active. What's that? >> Pay active. Pay active. Okay. >> I'm going to say make 2,000 a month. I I. don't know. >> She honestly makes close to 1,600. >> a month. Yes. >> A full month. >> Yes, cuz she does. >> But you're in school, right? >> Yeah. >> What are you studying? >> Teaching to be a teacher. >> What? Teaching. >> like a teacher. >> What kind? >> Yeah. >> Okay. Well, in the major cities in. Texas, they make okay money, but.

>> I'm not worried about the money really. >> This is your school. You've never known. >> Well, I rather just like my daughter. >> He was actually correct in the. beginning. I thought he was. He's like, "She doesn't know the value. of He's 100% correct. >> Your debt doesn't scare you because. you've never had to see what the. consequences are. Having a lower. paycheck doesn't scare you because. you've never seen what the consequences. are. Maybe you have a big inheritance. company. What do your parents do?". >> Um, my dad owns a AC business and my. mom's a nurse. >> AC business in Texas. And then nursing. makes pretty good money, too. Yeah. They. do well. >> Yeah. Okay.

>> My parents rich. >> Yes. >> They got a nice house. Yes. >> Yeah. Yeah. You're not afraid of. spoiled. >> Like, like I said, her dad would pay for. the rent if I'm not there. >> Growing up from poor to lower middle. class to eventually middle class by the. time I graduated high school. I still. hate people like you. You just did it. again. You cross-ad weirdo. >> I didn't mean to. I'm not meaning to. >> Okay. This takes 14 years to pay off. Your kid will. >> wait. I tell you something. It's more. expensive because we went to Austin last.

month and. >> why. >> we spent $2,000. >> Come. >> So, >> first of all, you came to Austin today. and we're paying for it. Why'd you go. last month? >> Last month, 4 days. Because I thought I. was going to be. >> Good Friday. >> Yeah, it was Good Friday. >> So, >> so we came. >> We were off. >> What does that have to do with Austin? >> Because honestly, I honestly thought I. was going to be on the show a lot sooner. than what. >> did we give you a date? >> No. Then why the would you come here if. we didn't say to. >> I was kind of planning too.

>> I wanted a trip to Austin. I wanted a. trip to Austin. >> which you have now paid for. >> Yeah. Yeah. But the thing is. >> how did you spend 2,000 by the way? That's a road trip of like 4 hours. How. did you spend 2,000? >> Airbnb was like how long? >> 4 days. >> Three nights. >> That's a lot of money, isn't it? >> It was like honestly the Airbnb we got. last month is like right around the. block from here. >> Okay. Don't dox us weirdo. My bad. Uh, but yeah. Um, and then we we went.

shopping every day. >> There it is. And you got your ass. spoiled. >> I I didn't spend money though. Not me. >> Sleep with him down here. >> No, you did. No. No, she didn't. >> Really? Usually vacation's like a good. time for like sex even in relationship. >> Her head. >> I did have a really bad headache for 4. days. >> No, one day. >> The day we got there? >> And the three days. Besides that, >> we shopped all day, so I was tired. Yeah. I don't know. Just usually. vacation is where people. >> Well, the ceiling was also. >> Here's the thing. Here's the exciting. thing. When guys don't want to have sex,

I'm just going to let you in on a little. secret here. When guys don't want to. have sex, but the woman does, think about what the. guy has to do. Big old show and dance. and performance to get the woman to. come. It's a whole medical operation. And we love it. But it's a thing. When. the girl doesn't want to have sex and. the guy does, give him 30 seconds and. he'll finish on his own. That's all I'm. saying. You literally I mean, ew. Not.

really. I don't know. If she laid there. for 30 seconds, you'd be done, right? Hell yeah. >> Exactly. It's like you don't even have. to do anything. I'm not advocating for. that. It's a little sounds a little But. come on. [laughter]. >> It's not cuz you'd consent to it. >> I I would consent to it. >> Okay, there we go. So there you go. We'll try. It's like it's it's just. easier. It's just, you know, like I get. it. I mean, I don't want you to have sex. if you don't want to have sex, but also. just find your Yes. Maybe you're down. for a little makeout session while he. jerks off or something. I don't know. [laughter]. >> Oh, I guess not. My goodness. She.

really doesn't want to do anything with. you. >> You're Well, she loves me and she's. obsessed with me, but she doesn't want. to give me that satisfaction. >> Maybe your dick's tiny. I don't know. So, with this, buddy. Okay. So, it's. like 6,73 now. Like a $200. >> Whoa, whoa, whoa, whoa. It's. >> You said you spent two. >> 4 grand 500. >> What? You said it went up by two. Okay. Okay. 4,500. >> Yes. >> Well, I thought it was at 2 grand to be. honest with you. >> No, it was at 473. Crazy. >> Oh, wait. Wait. That's a new statement.

Never mind. Sorry, bud. >> How many times do I have to cross out. you generator? >> Jesus. Our word that early is crazy. >> That early? We're an hour and 2 minutes. in, >> bro. Time is going by so fast. >> You got lucky I didn't call you 30. seconds then. So you are a little you. kind of got like the. >> like look at you. Look at the way you're. just touching yourself. >> I have and autism. I'm in. >> Whoa. You're collecting them all every. gen zer. Shut up. >> Well, I was diagnosed.

>> They all are. >> When I was younger like I guess but. don't matter. [snorts]. >> How many times did you transition too? Uh. >> six times I guess. >> Yeah. There and back there and back. $120 a month, $4,73 takes 14 years to. pay off. And as I was saying earlier, your kid will still be zero years old. because he still wouldn't have put one. in you. Your life is. >> It's okay. >> No, I would want to give you the. >> It's okay. >> Wow. >> See, she'll never leave. She'll never.

leave. She thinks she cares about that. She'll never. >> No, I do care. I do care. But I think we. could work. I feel like if we. >> No kids, zero kids forever. >> No, I want a kid. >> I want a kid as well, but I don't want. it so early that it affects our. financial. >> because I want us to be debtree. >> That's usually why people don't have. kids though. Like I mean, you don't have. to be perfect to have kids. Like, >> but the amount of debt that I have. >> It is chunky. It is chunky. >> as a young age. It's hard to bring. something in.

>> It gives you the better best opportunity. to have it at a young age, by the way. But. >> NTAA online, what's that again? Why do I. know that? Is that tolls? NTA. >> Yeah. Yeah. Uh. >> $477. A tolls. You creature. By the way, you can drive without tolls a little. longer. Yes, you can. Shut up. >> It was accumulated for as long as I. >> No more tolls, Texas Roadhouse. retro boats, 180 bucks. Terry Blacks. [snorts]. >> Am I right? That was disgusting.

>> But we didn't know how much it was. >> Yes, >> we didn't know. They don't tell you. prices when you walk in there. >> Well, yeah, barbecue's expensive, but. you got the worst barbecue for. expensive. Lulu, we did a blind taste. test the other day. Its brisket was not. even close to as good as Butterplac's. brisket. They lost the brisket test by a. lot. Lululemon. Allen's boots 400. That was these boots. that I have on right now. >> He already has boots and he don't even. wear. >> You want Oh,

>> sorry. >> He don't even wear boots. Well, he is. right now. >> The jeans are 80 bucks. Same place. >> And the shirt he has. >> just these people. So, this was your. trip to Austin cuz Yeah, >> that's where Allen's classic store is, right? So, there you go. >> Lululemon's here at the. >> Lulu's everywhere, though. Uh, Farah's. Italian Restaurant. Getting some. >> Fees. You've had a late fee this year. >> Yeah, he's had a late fee this year. You.

want to get with a guy that not pay his. bills? >> I don't know what that is. She doesn't. know what that is. It's late. I think. she knows what the word late is. She is. the dumbest person I've ever met, but. she is she knows what the word late is. >> He is. >> How are you late? >> Uh I don't have autopay on that card. And sometimes. >> uh sometimes um I just forget. >> Gross. >> That's who you like. >> I just find that hot actually. >> That is gross me out. [laughter]. >> That was gross. But.

>> I bet you don't even like let him go to. a room and play video games on his own, do you? >> Nope. >> Yes, I do. >> No, you're a weird one. >> No, she doesn't. She doesn't. >> Oh, I know you don't. >> Because I have a game room and if I'm in. there for 30 minutes, she wants me to do. something else. >> Mhm. >> That's why I have. >> What is wrong with people like you? >> So glad my girlfriend lets me play video. games cuz you just want me by your side. watching the things you want to watch. And if I'm watching Caleb with Hammer, you're like, "Turn him off.". >> What the. >> He's too loud.

>> I. >> Why is he yelling? Why is he so mean? >> Cuz he just plays it and walks around. the house. >> Yeah, I'm good a lot. So, it's loud. >> Like, I watch him. >> You listen to me in the background. That's why he wanted us to do an Eiffel. Tower on you. >> cuz he's such a big fan. >> I am a big fan. >> It's a It's a It's a sexual thing. >> Oh, I don't want to know. >> Or we both stick it in. >> Yeah. I don't want to know. Let's go. >> Okay. I'll actually give you kids. >> Jeez. Jeez. >> And I'm not late on my credit cards. >> I didn't say that.

>> Did I say that? >> You're late on your credit cards, dude. >> Well, still paid for it. >> Interesting late. Oh my gosh. What is. this? CL affirm one of them. This is the. most insane balance I've ever seen on. one of those. >> Uh, so I affirm literally everything. >> Oh my gosh, dude. You owe $8,448.71. at a firm. I've never seen that on my. butt. He was supposed to stop. >> Okay, so I did tell her I was. >> just like your. >> Okay, I I am addicted to credit. >> Oh, we're finding new addictions. We're.

just collecting them. >> That's like Pokémon cards, dude. But uh. >> No, this isn't all Pokémons. >> No, no, no, no, no, no, no, no, no. It's. on tools. Tools to work on. >> It's even like almost worse. >> and tools for work. Like it goes hand in. hand. Tools. >> with him. He's a tool collector. Not. tool, >> but like I I don't have any base to buy. tools, so I use a firm to purchase these. tools. That's a lot of money. >> What's your minimum? I'm going to guess. it's like. >> $758.

>> How are you okay with that? >> I DIDN'T KNOW THAT. >> You don't know anything cuz you're not. willing to talk to him. >> No, he said that he paid it off cuz I. told him he's probably paid off like a. purchase here and there and not the. whole thing. >> Oh, I have, Caleb. I have. But. >> you should give him reward for. making progress. >> Not this. >> We're making progress. >> No progress. >> No, you're. [laughter]. >> Well, the thing is with the home like I. can show you my firm. >> so you could have a a greater.

understanding. >> No, it's okay. >> You sure? >> Okay. >> I saw it there. But you're just getting. tools and ripping packs and being. >> The reason I got Okay, fine. Let me. listen. >> The reason I I'm getting tools and. everything is because I wanted to truck. pulls up and you're like, "Oo, I can't. wait.". >> No, no, no, no. >> Right. Isn't that what happens? That's. what happens at the car mechanics. >> Yeah. But the thing is, I go to Home. Depot and buy these tools because. like Home Depot has deals sometimes on. like Milwaukee tools, which is a brand.

that's really expensive in the tool. space. >> Show me your affirm, you freak. You. three-way watching freak. >> It's the Yeah, it's the same actually. the same balance. Hasn't made progress. once. Uh, go to next month and you'll. see. >> Quiet boy. >> Jeez, boy. Minority. >> Minority. You're a white Cuban. Shut up. I'm so sick of people like you. There's. people that I'm Middle Eastern. You're. white. YOU GET ALL the privilege. >> 12% black, dude. >> And I'm like 8%. Okay. So, I don't go.

around and claim it. I don't even claim. my native Listen, the thing is it. doesn't all that matter. Do you actually. face a discrimination or not? Cuz. everyone that's like, "Oh, I'm all this. I'm this." Do you have you faced any. trouble? No, you've been treated like a. white person your entire life cuz you're. white. >> I'm I'm privileged in a way. >> You're 12%. >> What? >> You're 12%. Black. >> Yeah. >> Say it then. >> Mhm. >> Doesn't sound like he is.

>> 12%. Okay. Lots of Home Depot. Amazon. car parts. America's best in store. Harbor Freight. Home Depot. Airbnb. Nine. of 12. He's borrowing these at. >> You wouldn't even know what a number is. if I told you, but [laughter]. >> 32% interest. >> Yeah, >> nothing to her. That's bad. >> Uh, father, I'm sure you're great and. you want her You want her to be like a. princess spoiled by a man. She does need. to know a couple things and interest is. one of them. You can go ahead and teach. her cuz I'm He's watching this.

>> Yes. >> So, he's watching me talk about doing an. Eiffel Tower with your husband and. >> Yes. >> Okay. Well, now I feel awkward because. I'm okay with my parents saying that and. my girlfriend saying, but your parents. >> those sometimes those so demo Home Depot. prices is because I wanted to do. something for her. I built her a bench. I built her paint stuff like. >> you built her paint. >> No paint, but I painted a room like a. closet for her and it was pretty. >> like a little Mexican, aren't you?

>> Yeah. Yeah. Yeah. This is insane. Yeah. And they're all at very high. So he's. not affirming them in like an actual. interesting arbitrage way where he's. like stretching out in four payments at. 0% interest. You don't know what any of. this. go it's even worth. >> on a firm like. >> well they they always update it because. I always make my payments on time and I. always purchase things that they. >> Yeah. your payments on time of like your. 40 payments for one purchase. You're. still losing so much in interest. It. doesn't matter. >> Well, I got it right now. And tools hold.

their value. Tools do sell them. >> Well, I won't sell them because I would. I need them. I do need them. >> Every single one. I know tool people. like you. I've had many tool people like. you. Always get more tools than you. need. Nicer tools than you need. >> Uh-huh. >> $8,000 for tools is not a lot. Plus, Airbnb was on there. So, >> Airbnb was on there. It was also It was. like a 15 month for Austin. >> Yeah. It was like a full year's worth of. payments. >> Yeah. But the thing is they do hold. their values. You're marrying a poor.

>> Your dad's going to be very. disappointed. >> I don't think he cares about the Cuban. thing. I care I think he cares that. you're poor. >> I've been like. >> you're affirming 12 like a Airbnb for a. year at 33% interest. >> Yeah, that's weird. >> Okay, Mrs. I buy coffees every day. Three times a day. >> But I pay them off. >> I paid it [clears throat] off. I bought. the coffee. >> No, you didn't. >> I didn't affirm it. The only reason you. can't use your credit card to own coffee. is because you already have you're maxed. out on your credit card.

>> It doesn't bother me. >> I wonder why it doesn't bother you. Cuz if you ask your dad for $500, he. probably give it to you. Am I right? Cuz. who do I have? Who do I have to support. me? >> Not you. Because I can't ask you for. money because you're already broke. >> I can't ask my parents for money because. I am independent from my parents. I like. to be independent from everybody. I like. to do things so low. That's why all the. debt's on me because I like to do things. by myself.

>> Well, that's good for you. >> Why? You don't have that desire for you. >> I want I mean in the future. >> No, you don't. No, you don't. You want. your dad to be around forever. >> I want my dad to be around forever. >> Yeah. To spoil you. to make sure you. never have to worry about anything. >> because I want I want to like travel and. do things and everything but and move. away at least an hour so I can do my. thing, you know, like get a higher. paying job in essence so I don't have to.

do another job so I can spend time with. her. So like if we have to like live 3. hours away from your father, you're. going to throw a fit. >> I'm not willing to do that. Starbucks is. and a waste of money. And you. already know that by making your coffee. at home and investing the rest. So now. you need to do that with your energy. drink as well. MAKE GAMER SUBS AT HOME. FOR just 40 cents a serving. And. honestly, it literally tastes better.

And we proved this accidentally via a. blind taste test in our Hammer Elite. show, Fat and Fatter. >> The number one ranked energy drink is. game. Literally, the cherry flavor is. insane. >> Listen, you can also get free samples to. see if you like it or 10% off your order. at gamersubs.gg. or click that link in the description. below. Type in code Caleb. Stop bleeding. out money making minimum payments across. multiple highinterest accounts. Most. Americans are spending hundreds,

sometimes thousands of dollars that. could be going toward actually paying. down debt instead of lining some bank's. pockets. And look, if you're sitting on. high interest credit card debt, a car. loan at 18% or oh my goodness, a payday. loan charging you tripledigit interest. rates, you need to hear this. If you've. already cut up the cards and built. better financial habits, but you're. still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a.

personal loan marketplace that lets you. get personalized offers from multiple. lenders in one place. You can see if you. pre-qualify in minutes and it won't. impact your credit score. But here's the. deal. This isn't a magic bullet. If you. refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that. screwed you in the first place. But if. you're serious about getting out of debt. faster, you could potentially lower your. monthly payment by securing a single. payment at a much better rate. Check out.

the link in the description below to see. your personalized offers or go to. caleammer.com. And remember, you still. got to do the work. Well, for how far. are you guys to downtown Dallas? >> Downtown Dallas is like an hour. >> Oh, so you have a lot of range then cuz. that's like the best job opportunities. metro in the United States. >> Well, >> so you don't have to be 3 hours away. >> No, like for what I'm doing. >> Yeah, but no, even still, it's it's. about to be the third largest metro. The. GDP is almost a trillion dollars in. Dallas for worth alone. You're you will.

have trades opportunities in Dallas. >> I get that. But like the thing is I. would want to be closer to my job and. because. >> Yeah, that's fine. Well, how far away. are you willing to live max? >> An hour. >> No, but you wouldn't. Your dad wouldn't. let you live in Dallas, >> for example. >> It doesn't have to be in Dallas city. limits. There's like a trillion suburbs. You're in one of them. >> I know. >> And you can still What? >> I know, but like. >> live in a nice one. And also, you could. What's that nice part? West Village. There you go. Live in West Village. Your. dad will be proud.

>> West Village. But. >> yes, you'll never be able to afford it. But. >> exactly. But the thing is. >> But you will when you leave him and get. a wealthier white man. >> Yeah, that sounds like a better idea. I didn't know he was this bad. >> And a. so gross. I don't want to think about. it. >> Dude, sex isn't gross. >> That's gross. >> Watching people have sex. Like I. understand it's addictive. There's bad. things. It's right now there's some. young men that they only watch and.

jacking off so they're not going out and. like doing things. But if you're doing. it in a healthy way, like what's the. gross part, dude? >> That's not healthy though. >> No. Yes. >> I'm not healthy. But. >> no, we're all saying that. >> Well, well, the thing is I'm not healthy. with it. But if I do become healthy. concept, I don't I don't know if you can. become healthy with it. >> Probably not. >> You've struggled with this since seven, which is kind of crazy. Uh saver card. Who's this? >> Uh there's a bunch of saver cards. >> Okay. Well, this one's at $514.83. >> Hers. No, it's mine. >> Okay. Well, you're not paying it all off. like you just said. You.

>> No, I didn't say I paid it off. >> I said she was over maxed out. >> Did you say that? Didn't she just say I. get my coffee and I pay it off? >> Yeah. >> Yeah. Yeah, that was her debit card. >> Like my debit card. >> She paid it off your debit card. >> No, like I don't offer my coffee. I. could go buy it and it comes out and I. don't have to like pay it for it. >> She's saying that her debit card pays. for it because her cards are already. maxed out. So, she can't use her credit. card for it. She's wearing a Jesus shirt. and you're jacking off to women having. three ways. >> We We just not understand this. This is. like weird. I don't think you guys are.

aligned on values. [laughter]. >> Yeah, you're over maxed out $1483. above that 500 limit. You purchase $232. and allowed interest to acrew because. you're spending on a card you're only. putting a minimum monthly payment to. >> She doesn't care about it, bro. At all. She doesn't care about her credit card. She doesn't care about it. >> You don't care. She don't care. She's. like, >> "Well, it's not I literally don't be. with her." No, no. I understand. Okay. She's probably attractive for you and. stuff like that, but like why.

>> why why attach yourself to someone. that's not going to give a Because. she will pull down the relationship. further in in life without daddy and. everything. The. >> thing is she she will after this. conversation. I just know. >> uh nah, not with the response she just. gave. She doesn't give a. >> I I do pay it off sometimes. >> What are you getting at the gas station. for eight bucks? It ain't gas. >> Energy drinks. >> Yeah, throw it.

Gamers, congratulations. >> That was nice. >> Lawyers. >> Yeah, you signed [laughter] a document. >> I'm not reaching for that. >> Please, cuz I probably want it. >> Oh, it's free. >> Yes. Well, I didn't throw it at you and. make you pay for it. So, that's 40 cents a serving, just like you. should be making your coffees at home. now instead of putting it on credit. cards. >> You listening? >> Yeah. >> You're going to make your energy drinks. at home now. >> I mean, I have, but.

>> they taste better. They actually do. taste better. They're incredible. Uh, get your free samples link below with my. code Caleb. Figure out what flavor you. like and then once you do, order them. with a 10% discount and you will be. getting the energy drinks of your choice. for 40 cents a serving. It's delicious. gamers.gg. GG. [sighs]. >> Does it taste like Red Bull. >> queso? >> Uh Red Bull's like the worst one, but um. uh I'm sure there's one that matches. that flavor profile. >> Ginger. >> Yeah, I don't know what his flavor is. I. haven't had that one. >> Looks good. Wait, is your flavor coming.

out. >> soon? So, energy drink Door Dash and. Chick-fil-A raisin canes. I think energy. drink for sure. Clean start. Car wash. Probably don't really need to. do that in Dallas. Panda Express, Waterburger, Energy Drink, Door Dash, and McDonald's, In-N-Out, and. the Austinite Market, >> which I've never even heard of as an. Austinite. >> Austinite Market. What the hell is that?

>> How much is it for? >> $28.97. >> Oh, okay. So, we thrift store. >> Oh, thrifting. >> Uh, she's had a late fee this year so. far. >> Expected. Just expected. Oh, she's. freaking out about you having one, but. she's had one herself. >> There's probably a bunch on there. >> No, it's not a joke. What do I do? I. know. I already know. I mean, it's like. again, like at 20, I was an adult. I. could I was doing taking responsibility. But you're right. Among your generation, something happened where 20-year-olds. now are like.

>> what I was like at 15. So, I I don't. know how to treat you. Should I treat. you like the child you pretend you are. and just be like, "Oh, yeah, she'll. figure out at some point." Yeah, she's. just a kid. >> I want her to figure out now. >> I do, too. But she doesn't think she's I. probably have more. >> cuz I me. >> I don't care about it. >> Me being like kind of independent for my. family and not relying them to pay for. my stuff. >> My dad doesn't pay my credit cards. >> But he would% interest if he knew about. it probably. Who has the one main. financial auto car? Is it a car? >> No. Uh consolidation loan.

>> No. Why? >> The only only reason I got that is. because of you, Caleb. Cuz I thought I. was going to do it right. >> But I say don't do it unless you change. your behavior. Makes no sense. >> I I I I didn't, but I was like, let me. let me do it. See, >> but that's not what I advised because we. actually do personal loans and. everything on caleb.com for great rates. and credit cards. Match people with. credit cards that are great, but only if. you're credit card people. You're not, and only with people who have changed. their behavior before they do a. consolidation or personal loan, which. you didn't. So, no, I did not suggest.

that. That doesn't make any sense. >> Well, you're. hell yeah. But the reason I got it is because our. roommate was moving out and I needed. also extra money from that loan. And uh. I think my truck's collateral for that. as well if I. >> really. >> Yes. >> What interest rate? >> Uh I think it's. >> 28.39%. What's the point of a consolidation loan. at the rate that like the worst credit. cards are at anyway?

>> Because my credit cards are already that. rate. >> So what was the point of the. consolidation then? to pay off three so. I could get rid of that monthly payment. >> So was the monthly payment. >> My monthly payment for the Sapphire. Preferred before I the 120 used to be. $300. >> cuz I overm maxed it out because we went. to a cruise and we over we overdid it. We put seven grand on a five uh five. grand limit. >> I'm being told her big financial shift. has not been blonde anymore. She's dying. her hair brown. But you don't look. blonde to me. You don't.

>> look at your roots. >> No, I used to be blonde. >> Oh, you already dyed brown? Yeah. >> Yeah, bro. >> To save money. >> What? >> To save money. >> Why did you just stay blonde? >> Cuz I'm not naturally. >> super blonde. Where are you? >> Like regular blonde. >> She's a strawberry blonde. >> Isn't it costing money to dye it brown. and not just leave it natural? >> No, cuz I want to be When I dyed it. blonde, it was bleach blonde. >> Leave it normal. >> No, it would look bad to grow it out. >> Oh, when you grow out. I understand what. you're saying. Oh,

>> but now you'll let it go natural. Yeah. To save money. >> Not really. You just wanted to change. your hair color, bro. Be honest. You. just wanted something different. >> Well, yeah. The blonde was kind of. boring, but I did do it cuz I. >> didn't didn't want to pay 155 every 8. weeks anymore. >> $7,654.95. is what you have on your personal loan. at that nearly 30% interest with $245.97. minimum monthly payment. >> Yeah, >> that's crazy, dude.

>> I know. Freedom card. What's this? >> Mine. >> Oh, there's your I think dyed blonde, right? >> Yeah. >> Mhm. >> Uh the You do look Mexican in that one. And you look like a methhead in that. one. Something's wrong. >> I don't even know what picture. You. >> look good in person, but you both look. horrible in this picture. >> I don't even know what. >> Okay, it was a bad picture. I picked out. the picture. I picked out the picture, bro. I picked out the picture. >> Neither of you look good in that. >> My bad. >> You look good in person, but it's just. like I don't know. Okay. Freedom card. >> Mine.

>> Okay. I got it when I was eight, uh, 19. Uh, I just used it, bro. I got maxed it. out. Didn't know what a credit card was. because my parents don't have credit. cards. They didn't They don't know what. credit cards are. >> Yeah, they're legal. >> Not legal. If you swam to the beach, you would have. been, you know, a citizen back in the. day. So, >> they're in time. Yes. >> They came here when Castro was kicking. everyone out. That was, you know,

prisoners. >> Good for them. They ended up in Buffalo, which is weird. $693, not maxed out, not great. Only making. the a little more than the minimum, but. nothing's crazy. So, you owe 69321 at a. $40 a month minimum monthly payment. But. you're purchasing on your other credit. cards, but not this one. I have the. other ones, but not this one. >> Like, cuz I'm scared with that one. It's. >> Why specifically? This is $21. >> Sold this one. >> It matters more. >> What? >> It matters more. >> Okay. 21 months to pay that one off. Of.

course, the first one was like 12 years, but and you are. And you've paid on. time, too. Quicksilver. Who's this? >> Uh, which one? >> Also him. >> No, no, no, no, no. >> I don't know what that is. >> 2238. >> Mine, mine, mine, mine. >> He. >> Well, she's a she's authorized user. >> I don't use them. >> You are? Why would you want to be. attached to this dude's horrible credit? >> He put me on it. >> Well, I used to pay off my cards all the. time when we first started getting. together. >> $25 minimum fee payment. You're. purchasing more than you put towards it. While interest is a crocy, you.

immediately Chicken Express, McDonald's. McDonald's Goodwill. Blessed. hands. >> Blessed hands is my barber. >> Okay. Don't be surprised if he's going. and getting a happy ending special. massages soon, by the way. >> Oh, he's a he's a guy and I met him in. high school. >> He's there. >> No, I said soon. >> Oh, okay. Wait, that makes sense. >> Yeah, when she's not making you come. Yeah. Okay. His saver cards paid off. every month. So, I'm not going to freak. out about this one. Someone's buying. Amazon. Yeah, it is a lot of credit cards. Well, okay. Credit cards are done. Someone who.

has a Chase checking account. Me started. with $44. It's crazy. You want Do you. want a traditional What do you want this. relationship to be like? You want to be. a trad wife? >> No. >> I think so. Cuz she said that she. doesn't want to she wants to have a baby. and then take a year off work. >> One year. But I want a career. >> Oh, that's not TR though. That's just a. year off of work. Not her whole life. >> Huh? >> I want a career. >> Okay. Yeah. You're going to be a teacher. making our kids more. But I'm just.

concerned if he's going to be the red. winner. $44 is a scary beginning. balance. Anthony at 235 at least, but. still not good enough. Apple bill, Netflix, coffee, McDonald's, Tom, Japanese, Thomas Forbes Jr., the county. seat, Oace Flavors, >> County Seat. >> That was at the sipping and drinking. shop. >> strip club. >> What? >> It's a It's like a bar. I don't. >> It's a bar that we go to to buy trinkets. and stuff. >> They have like vendors and stuff to go. out there.

>> 20 Amazon. >> like energy drinkers and. Waterburgers, Subway, Waffle. House, Panda Express, Apple. If you. buddy, if you want to pay off your debt. and you want to fix the financial. situation, why is it pages and pages of. You're going out like twice a. day minimum. Tomtham, McDonald's, Van Line, Monkeyy's Village, Bird Bird Biscuit, A Whole Coffee, La La. Land, Brand Shop. >> That's all in Austin. >> That was Bar Partners. You couldn't. afford it. Museum of the where weird. Oh, yeah. Do you cut off? Austin.

souvenirs. Jackal Austin. What? You guys are It's the same state. You're Why are you bringing souvenirs? >> We're traveling from like Ohio. is. Austin is a different culture here than. it is in Dallas. >> Sure. Yeah, but like. >> it's walkable. It's. >> Well, I mean, uptown's very liberal as. well, you know. >> Well, Dallas as a city is liberal and. uptown's very walkable in Dallas. There's there's Uptown is very walkable. in Dallas. >> What are you talking about? I know.

Austin. I almost moved to Uptown. Yes, it is. >> The reason I'd say where you are, you're. right. It's not. >> because there's more homeless people in. Dallas that could run. >> Not in Uptown. There's more homeless. people in Austin objectively than. uptown. >> Okay. Yeah, you're right. >> Wrong. >> Okay, you're you don't know what you're. talking about. >> Birdaf, Jackaloupe, Door Dashing, Door. Dash, Door Dash. >> Door Dash was in Austin. Black Rifle. Coffee, Panda Express, Dutch Bros. Chipotle, McDonald's or Ranger.

McDonald's is crazy. Roku. >> Red River stop. Panda Express. Apple. Apple. Apple Bell is probably his OF. maybe. Who knows? Road Ranger, Airbnb, Chicken Express, Taco Bell. McDonald's. Thousands spent on. Going out to eat. Miscellaneous Crazy. Miscellaneous $2,000. Food. Going out to eat. $1600. You can't complain about being in debt. You guys are just being kids having fun. You're okay. First Bank. I'm guessing. that's you. >> Mhm.

>> $17. Started with $8.95, by the way. >> What? You're Yeah. This is who you're. going to be with. >> Wait. What? She doesn't give a look at. her. She's like she has Down syndrome or. something. >> She She had She overdrafted $55, asked. for her dad to give her $100 and he gave. it to. >> Yeah. It's for all the spending. she does, by the way. The Connoisseur, Moby Dicks Gift Shop, Island Sports, The. Islander, St. Joe's Pizza. Uh, thrift. store. Sharon's totally House of. Sports, Cash App, Cash App, Cash App, Cash App, McDonald or Apple, Apple Bell,

Subway, I Love Nelson Spa, Hill Cafe, Kitz Brewing, Paige Davidson, Brass. Bunny, Red River Stop, Venmo, Cash App, Wendy's, Door. Dash, Seven Brew, McDonald's cafe. I Love Nails, Brahms Cash App. Taco Casa Hills Cafe Coffee Lenny's. Trailer Austin Market Howdies. Vintage Macy's Wendy's Road Ranger.

Wendy's Road Ranger Seven Brew Coffee. Apple Bill you guys are degenerates you. know the money you make if you weren't. investing this properly especially with. the bless situation with the house being. purchased that she has you guys would be. multi multi multi-millionaires by the. time you retired this is pathetic the. way you guys are living pathetic in. every way whatsoever it should be. embarrassed. I am. You'd have the best. futures out of anyone who's been on the. show if you just acted like adults. >> You don't go to McDonald's every once in. a while. >> I could afford it and unfortunately no.

I'm banned. >> Oh, McDonald's. >> Well, he's on a diet, bro. >> My girlfriend. Well, not really. I'm. kind of flatlined, but even still, I. don't want to gain. >> Well, I mean, >> we work out so we can eat. >> $1,213.97. That's [snorts] our minimum monthly. payments. Now, rent, we don't really. have it, right? >> 1430. >> That's 14. >> How? I bought the house. >> I paid for it. >> Huh? >> He bought it, but we paid. >> It's LLC that purchased it. >> Sake. Okay. So, what is it? 1,004 uh.

1,430. >> Utilities, gas, electric, internet. >> Uh, gas, electric, internet. Uh, $55 for uh. Wi-Fi. $100 for water. How? 175 for. electric. No gas. >> No. No. >> 3:30. Phone bill. >> Phone bills was 240. >> What the? >> 60 because my brother is on my line as.

well. >> Okay. 180. Gas from drive drive. >> 400 cuz I do spark and that's a delivery. thing for Walmart. >> Car insurance. Uh, >> what about your gas? >> I pay I pay for it. >> So 100 total. >> 400 total. >> 400. >> 400. >> Oh, >> 400 total. And then uh 284 for. insurance. >> 600 for groceries. Totally fine.

Meal plan, TP fund, anything else to. survive. $200. Tampons, makeup, haircuts, all that good stuff. Medical healthcare co-pays. She goes to. the doctor often and she has actual debt. from her doctor. >> What What's wrong with you? >> She. >> besides like you looking places. >> She has depression. >> Mhm. >> So what's your go- pays? >> $70. >> How frequently?

Doctor or therapy? I thought she was. only $7 a week. $7. >> You're antither therapy, but you have. depression. >> Yeah. >> She doesn't want to talk to a therapist. Who are you going to for $80 $70 a week? >> Her. >> my doctor. >> Her physician, bro. Like her. clinic. >> She goes to what? >> A week. >> A week? I don't go every week. >> Yeah, you do. You take off work for that. reason. And they. >> I owe 270. >> You gave them more than three doctor's. notes this year and we're only in May.

>> Oh, wait. But that's not once a week, though. >> No, no, no. This month has been once a. week. >> Is it 280 bucks a month or not? What is. it? >> What do you think? >> Co-pays. What do you think? >> I don't know. I pay like 270 in co-pays. this month. >> OH. >> SO, HOW? >> YEAH, EXACTLY. >> Cuz you keep going to the doctor. Why? >> Cuz he keeps changing my medicine. >> What? That quick? >> Yes. >> Yeah, cuz if I don't think it works, I'm. not taking it. So, I go back. >> Okay. Yeah, you're horrible.

>> Well, I'm not I don't want to take. medicine for no reason. >> But you don't know. It takes time for. something to work out. >> She doesn't want to talk about her. problems with anybody. You don't do go. to a um. >> her doctor advis her to go to therapy. but she doesn't want. >> just doctor. What about the one who. >> psychiatrist? >> Yeah. Yeah. Yeah. >> Oh, I don't talk to them. >> That's the one who's better at. prescribing medicine usually. >> Dude, you got you're weird. >> Just see my regular doctor. >> Yeah. Shut the up. $80. You have no.

hope. $80 a month for subscriptions. Anything else that needs to be in this. budget? Uh that's. >> You have any pets? Yes, we pug. Actually, name's Apollo. He's 2 years. old. >> Okay. 50 bucks for pet insurance. How. much for pet food? >> Uh, it's uh around like 40 bucks. Mhm. >> Okay. Anything else that needs to be in. here? >> Uh, do you have anything anything else? Well, she also makes 185 every two weeks. with her dad because. >> I clean offices. I clean his office. >> So, yeah. So, add that to the income as.

well. And we don't have any other. subscriptions or anything. I think we've. added it all up before. >> I did. You didn't care about it because. you didn't want to listen to to. >> Oh, okay. So, a couple things. You. mentioned in the green room you have a. Best Buy credit card. >> Yeah. [clears throat] Uh, it's at $153. Uh, I used it for. >> $153. >> $853. >> What's your minimum, >> $30. The. >> Sorry, bro. I didn't hear you like. actually. But.

>> what's your minimum? >> Uh, $30. >> Okay. Oh, what is this? It's an upstart as. well. >> Oh, yeah. That's two grand for. [screaming] for another two credit cards. because I have five in total. >> Dude, there there shouldn't be more at. this point. Oh, minimum payment is uh. >> 70 bucks. >> 70 me. Okay, so now it's $5,177.97. a month. Dude, what the is wrong with. you?

Are all the credit cards on? >> How much does she get with her dad? >> Yeah. Uh wait 175. What'd you get? >> 175 per. >> per for two weeks. So twice. It doesn't really Okay. But even still, if you combine 6,450, which I don't even. know if we should at this point. This is. like what a mess this is. Okay. You have an extra 1,272. Let's. give you 272 in fun money.

So, I feel like we do pretty good if we. have extra money. >> Yeah, that's not how this works, >> Because all we're going to do with the. extra money is to do stupid that we. have been doing. >> I need the top of your document. Where. is it? There it is. You have it. Okay. >> How much you spend last month? >> Does that say 12 grand? Uh, yeah. How. much did we make, babe? Maybe. Come on, babe. Maybe.

>> you don't know where this is. >> Well, that's not your actual income cuz. there were like zels and stuff. It was. weird. You guys made like actually like. it was like almost $5,000. Okay. Either. way, doesn't really matter. Listen, it. takes two years to pay off. That's. totally fine. And I gave you a fund. budget that people don't get of almost. $300 and save up a six-month emergency. fund, then live 50, 30, 20 for the rest. of your life. You guys will be. multi-millionaires. This is the easiest. thing ever. You You're just a spoiled. and you have no self-control. You. guys are crazy. I want to see how you guys text each. other. >> Oh, really? Okay.

>> Yes. I'm going to be going through that. in the post show. We're also going to. call her dad in the post show. There's. also something else absolutely crazy. Um, okay. We'll see. So, make sure to. join us in the post show. Let's get the. hammer financial score. Spending in a. budget overspend 010 debt, no. collections. I'm doing household here. >> I do have collections. 1,000 and then. 600. >> Why do Why am I finding out debts an. hour 36 minutes in? >> Zero out of 10. yourself. No savings. 0. to 10. No retirement 0 to 10. Who's on.

the title for the house? >> Just the dad, not you. So 0 out of 10. Go yourself. >> You have access to the LLC. Does it? [music]. >> Okay. Hammer financial score 0 out of. 10. Get yours at kale.com. Join. hammerly. Click the join button. Get. three premium shows posted every single. day, 6 days a week. Join us for the. extra 20 minutes of this episode. Call. the financial auto post show. It's going. to be a good one. We're going to call. the dad and I'm going to expose. this guy for off. See you there. Call. her dad and admit to your crimes. Wait, you have to call her? Oh, that is. insane. >> Hello. >> Hey, so we're on the show and I just got.

exposed for only and I also watch and. they wanted me to tell you that. >> June 1st I'm [music] launching the. Hammer Elite app available on every. major platform. Join the wait list by. using the link in the description or pin. [music] comment down below to get a. never-before-seen financial audit video. and an exclusive offer just for you. You'll get lifetime access to the. [music] entire Hammer Elite catalog and. our Hammer for Life box packed with. limited edition merch. So mark your.

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