Cheating Gold Digger Is Destroying His Life | Financial Audit

I basically told him, "Get a job. Get. your money up or I'm leaving.". >> A big reason why like I've never really. put my foot down. She went behind my. back and like had a sugar daddy. >> What? Well, you guys were dating. >> She would go to his house. >> I went to the one time and you actually. think she went over to this guy house. and not a single thing ever happened. once. >> And nothing happened. I promise you. >> Does anyone in the world believe that. for a single second? >> And then like I saw text of her talking. [ __ ] about me to him. >> Was any image sent anywhere? His side of. the text were deleted and not her side.

>> Why were his side of the text deleted? >> I don't know. >> what. When. >> she's psychotic, >> something big is coming. Something. that's going to change personal finance. forever. And the first 500 members get. to lead the charge. Go to dollarwise.com. to change the future. >> Hi, I'm Chad. I'm 27 years old. >> And I'm Stacy. I'm 25 years old and. we're from El Paso, Texas. >> And this is Financial Out.

>> Thanks for coming over. Did you guys. fly? Cuz that's a long ass drive. What. is that, like 8 hours? >> Yeah, 8 hours. We. >> me. Well, thanks for coming over from El. Paso. The second guest from El Paso, as. you told me before. So happy to have you. guys. Chad, you're the one in front of. me. >> Yes. >> What do you do for a living at 27? >> I I work in the oil field. >> Oil field is money. >> Yeah. >> You guys seen Land Man? >> Yeah, we watch it. It's our show. >> Halfway decent. Second season. That's. okay. >> Not as good. It became like a. relationship drama. I don't know why it. was kind of. >> they had something there. But.

>> either way, everyone's [snorts] kind of. watching Land Man, so I know you must be. making money. What do you do in the oil. field? >> I work in frack and I basically operate. all the equipment. >> It's a little dangerous, too, right? >> It is cuz I work with like 10,000. [clears throat] PSI of pressure. >> Yeah. >> Stuff like that. So, one single move, I. can kill somebody. >> What's scarier, the show or that? >> That honestly. >> Good. >> Yeah. >> Good. Yeah, >> I'm glad to hear that. So, >> what are you making then? Cuz you must. get that hazard pay.

>> I make 110 110. >> Yeah, you do 110. >> Yeah. >> Okay, that's not bad. >> It's not bad, but it doesn't feel like. >> El Paso is kind of cheap. >> Yeah, >> cheaper. >> than Yeah. >> than the rest of Texas. Come on. >> Yeah. >> You're out in like the start of the. Southwest. Southwest starts on this I35. You know, it's where it separates the. south and southwest. You're out there, it's a little cheaper until you get to. Phoenix. >> Yeah. >> Yeah. Okay. So, what did you say? 105. >> 110. >> 110. What hits your checking account. like per paycheck? And what's that. paycheck?

>> We get paid like small check, medium. check, and a big check. >> What? >> Yeah. So, like a month I'll get like a. small check, which is around like 2,300. >> What? >> Okay. But what hits us on a monthly. basis? And I don't know why it's like. that, but. >> to 6,000 a month. >> Why does it range? Cuz that's a big. range. That's a how the pay the bills on. that kind of range. Yeah. So that's what. we're struggling with. >> Well, are you hourly or. >> Yeah. Yeah. >> Oh, well that's why it would range, right? >> Yeah. >> Yeah. >> Okay. So, four to six if I can say five.

>> We're consistent hours. Like I'll work. like 2 weeks on. >> and like in those two weeks I'll do like. 112 hours one week and then 90 hours. another week. >> Okay. >> But it's the same. >> So why the does the pay fluctuate? because sometimes so on the two weeks. I'll do like when I work nights I'll do. um we'll get paid for those two weeks at. nights. It's it's really weird. But um. >> so do I say 5,000? >> Yeah, we can say 5,000.

>> That's not even close to 110 after. taxes. What the are you talking about? >> Yeah, it's that's. >> 6,000 wouldn't be 110 after taxes. >> I know. >> So you're not making 110 after taxes. >> Over time. >> Yeah, we make over time. >> Over time would be included in the pay. that hits your account. >> It's just weird cuz. >> it's weird. But like on paper it says I. make 110 but at the same time like. >> that's not how this works. How much. money do you make or not? >> You can't see what have you made year to. date. >> 110. >> like. >> Well, no. I mean it's a new year but I.

assume you mean last year. >> Yeah, last year. >> 110 is what you made before taxes. >> Yes. >> Okay. So that's your before taxes. I. mean let's see. Income I had payroll. 7,426. That's a That's well beyond what. you said was your hire. >> Okay. Who's here? The company or you? >> Him. [laughter]. >> Him. It's literally him. He literally. tries to make I don't know this crazy. math in his head. Like the one check, two check, three check, small, medium,

large. Like I don't get it. >> He does that or the company does it? >> He does it. But then the way he tries to. make the math work doesn't work. >> Why are you doing that? >> Cuz that's how it is. >> Okay. She just said it wasn't the. company. It was you. >> No, but that's how we get paid. Like. I don't know how to explain it. >> I don't know. You could at least attempt. to. >> So, okay. So, >> Oh, [ __ ]. >> I don't care. Oh, I don't know. I just. want to know the number that hits your. account.

>> And it was 7,500. >> Yes. >> Yeah. >> Is that abnormal? >> Yeah. Yeah. Yeah. >> No, it's not abnormal. I feel like it's. very normal. I literally made him get. this job. >> Yeah. What does that even mean? Made him. get this job. >> Well, >> what does that look like? How do you. make someone get Well, she told me like. >> I basically told him you either get a. job, get your money up, or I'm leaving. >> Do you get to pull that kind of weight? >> Yeah. Do you not see me? >> Okay. I mean, [laughter].

>> okay. So, you went and got the job cuz. you were afraid of her leaving. >> Yeah. Yeah. >> Do you even like this job? No, I [ __ ]. hate it. >> Well, actually, it doesn't sound like a. great. >> I hate it cuz it's like I work 12 hours. a day. >> Wait, what was he doing before where you. were like, go make money or else I'm. >> You was a server during co. >> You looked down on service workers. >> I was a server, too, but I was making. >> Did you see how you just said that? >> No, >> your server was a stripper based on how. you just said that. [laughter].

Basically. >> He just said basically. >> No, no, no. I worked I worked at those. restaurants where it's like girls only. but it's not strippers like we were. dressed we had clothes on. >> Girl, your tits are basically fully out. here. Like I I see how you're presenting. yourself. >> out there too. >> Exactly. That's what I'm saying. Hooters. >> No, it's called Union. [laughter]. >> Is that how they talk in El Paso? I. don't think so. You're in the middle of. the desert. >> They do. >> Why?

>> Okay. Okay. So, you looked down on. service workers and you. >> No, I don't. >> Did you see how you replay? Wait, what. was he doing before where you were like, "Go make money or else I'm leaving.". >> You were a server during co. >> You looked down on service workers. >> I was a server, too, but I was making. money. >> Did you see how you just said that? Okay. >> I don't look down on service workers. I. was a service worker. >> Yes, but you were like, "You have to go. get money." You're like, "It was a. service worker.". >> Because he was making like $20 if that, a day. A day. and he had to pay rent.

>> That doesn't make sense. Where are you. working it? 1 hour cuz they still have. to pay. >> Yeah, but then the the check would come. out like two weeks later, you know. So, >> well, yeah, that's paychecks. >> Well, yeah. So, it was very short, like. $200 cuz then they would send him home. if it was dead. So, it's not like he was. making like the eight hours. >> So, you did that ultimatum? >> Yeah. >> What did you think when you heard that? If my girlfriend gave me an ultimatum. like that, she wouldn't be my. girlfriend. >> I was scared. I was like no respect.

>> Like I don't know. No, for what it's. worth. I mean, I'll play a little. devil's advocate. Now, if it's just you. just not giving a [ __ ] in life, if it's. you not like pulling your weight in a. relationship and she pulled the. ultimatum for that, then I think that's. fair. Then I think that's fair. >> Yeah. So, like at the beginning of the. relationship, like he didn't he never. had a really good job and I had I was. bartending and serving at one point. So, like I was making money, so I would pay. for the dates and stuff like that. So, it did get to the point where I was. like,

you have to pull some weight. >> Okay. Well, yeah, pulling some weight. I. mean, that's that's relatively fair. Well, how long have you are you guys. married? >> Yes. >> How long have you guys been together? Oh, congratulations. >> Six years. Glad to hear that. >> So, you went and got this job when? >> 2022. May. >> I don't know how you do not know how. much money hits your account by then. And I can see you're pocket watching. That's clearly your entire career is. pocket watching. >> And so, that's how you know how much is. coming in. 7,500 usually on a monthly. basis, right? Okay. At least we have the. number from her. I don't understand why.

you don't know. Maybe cuz you're not the. one that cared. You didn't really care. how much money you were making before. until she was like, "You don't get to. see these tits anymore unless you're out. in the oil [laughter] field.". >> So, like when I get paid, I like right. away I send her the check. >> This just started happening recently, though. >> Yeah. >> Because he has no control over money. >> What does that mean? What do you do? So, like if he were to keep the check, it. would go straight to do credit cards and. then he would try to figure out how to. pay the bills with the credit cards. And. I don't agree with that. So, I told him,

"You need to send me the check. We're. going to. >> send the check. That's you being mother. That's not you guys working together and. changing behavior and meeting goals. together. That's you being mother. It's. not you serving [ __ ] It's you being. mother.". >> I just learned I I guess I learned that. from my mom. She does that. >> Yeah. Mother. >> not to me, to my dad. >> That's the relationship you want. M. You. want to mimic that? >> No. No. I would love to like. be more in tune with finances. >> What? What does that mean to you?

>> You said give me a check and he just. he's your little s cuck boy. >> Oh, >> you work at an oil field. It's. dangerous. But why do you seem like a. outside of that? >> Yeah, >> you're [ __ ] whipped. I'm [ __ ] whipped. And mommy is. >> mommy issues. Yeah, >> he does have mommy issues though. Is. that what you like? Like like this? >> No, I don't like it. I don't like it. >> I'm not I was literally looking at him. and clearly talking to him. How did you. answer that? >> I don't like it bothers me. Like her.

attitude bothers me a lot, but I don't. know why. >> See that face? First time she's ever. heard it. >> No, I tell her every day. >> Every day I tell her she doesn't care. >> I'm me. >> Oh, I see a picture of you on the. restaurant's website. [gasps and laughter] And yeah, the. cleavage is there. >> The restaurant website. >> Yeah, >> I was like it girl for a while. >> Uhhuh. Okay. She loves to spend like the.

when I send her the check like I never. see. >> So I don't she getting the check then. >> Okay. >> If she's just out there blowing it all. >> I used to blow it all ever since we got. a house. I can't blow it all. Like we. have. >> Why do you keep saying she still does? >> As in past tense. I didn't say blued. >> Yes. >> I said I used to blow it off. >> No, but now you do. >> Oh, I did. I did. [laughter]. >> Well, I haven't done that. >> I know. English is a second language and. >> Yeah, clearly. Huh. >> In El Paso,

>> it is in my household, too. >> Yes, that's what I'm saying. You'd think. I'm what I'm saying is a joke, but it's. not. >> I know. >> Which Okay, whatever. It's fine. I don't. care. But okay. So you made him go get a. better job to be the bread winner, to be. the man, to be the earner so that you. can spend more money. So what do you do? Clear high superior being on this entire. planet. Inflation. >> For the longest time, I didn't do. anything like I was just he basically.

took me out of work. And then now. >> from 2022, he's only had the job a few. years. This isn't like Okay. Okay. >> So from 2022 to 2024. 2025. >> Yeah. >> No, 2024. December. Um, and then I got. my. >> 2020. Yeah, I got my. >> Did I get your Okay, so you still don't. have a job. >> Basically, I'm [clears throat]. unemployed until I get employed again. >> What does that mean? You've been. unemployed for like 3 4 years. >> No, I'm a realtor, >> which means you don't have a job. I. think like 50% of realtors actually sell. a house within a year or buy get someone.

to buy a house. >> I sold eight for my first year. So, I. mean, >> how much did she bring in. [clears throat] her first year? >> Like 50,000 40. >> 40,000. Okay. So, poverty. >> from 0 to 40. >> 0 to 40 is good, but literally anything. would go up. I mean, you could make that. at McDonald's. So, >> you can make more at McDonald's. Yeah, you would make more at McDonald's. Well, they usually look like you at. McDonald's. >> No, they don't. >> Um,

>> I have seen people that work there. They. do not look like me. >> Who takes my credit card? >> So, you look down on his job. You made. him go get more money. What made you get. back into making money last year? >> Um, I saw how unhappy he was at his job. >> Yeah. That you made him get cuz what's. like your career opportunity end goal. there? >> There's none. >> He wants to get back into school and I. want to be able to like. >> get into school for what?

>> Either real estate or like. >> Oh, for sake. What are we doing? >> Yeah. >> Also, I'm sorry. You're you're a little. too monotone, I think, for that world. You're not You're not You're not. >> I can work on it. >> Salesy. >> I can work on it, but like real estate. or like like a construction company. >> Now that I see. >> what do you mean by that? >> Not because I'm racist, but because you. don't have to talk. >> Yeah, like a constru construction. company. or like. >> I'll get you a construction project. management certification to course.

crews. I'll get you one of those. So, you got a lot of people in the audience. that have used it and they make a lot of. money now. So, that's good. That's a. good start. I do like construction. Construction is good. Texas is a good. place for construction. We build a lot. here. We don't have permitting like. California. Um, that's a good thing. But. if you're going to. if you're going to be a real I don't I. don't see a. >> I can't I can work to give up. I.

[laughter] I've never even seen someone. give up that quick in anything. I. actually that is impressive. I have. never seen anyone give up on anything. that quick in my life. >> I'm not giving up, but like. >> that was I've never seen anything like. that. >> That was basically like the attitude he. had before getting this job. Like he. would like. >> What was that? >> Like. >> you've destroyed him. No. >> with your [ __ ] whipping. >> No. >> Girl, you have aing high heel on his. neck. You made him get into something he. hates. Now don't get me wrong. If you. were being a little cuck boy [ __ ] you.

know, just letting the world roll over. you and you weren't contributing to your. relationship, that's fair for her to. sign up and say or stand up and say, "Yo, get your [ __ ] together. Do. something with your life." That's fair. Doesn't mean go into something you. absolutely hate to get the highest buck. Not necessarily. But I don't know. You. can't say no to her. I mean, I literally. have that in my notes. >> Yeah. >> Like I have in my notes you saying if. you say no to her, you're afraid of her. leaving. It's not that I'm afraid of her. leaving. I just. >> Yeah. Well, that's what you said to the.

producers. >> to hear her. >> Well, yeah. Look at her. I mean, that's. like what that's how what fuels her is. probably being a. >> Yeah. >> Well, that's not a good thing. You're. miserable to be with most likely. >> No, I'm not. I'm very. >> She can be good. She can be good. >> I'm I'm very loving. I'm very nurturing. Like, I promise when I'm in a good. wound. Just don't get me in a bad mood. >> Good womb. Oh, good mood. Okay. >> But she's in a bad mood 24/7. >> Exactly. That's what I'm saying. Look at. you. Come on. You're a spicy Latina. which is which is fun for a night and.

then. >> we send you on your way. [laughter]. >> It's definitely a lot to deal with. Like. I get that, but. [sighs and gasps]. >> he just does things sometimes and it. just makes me explode. >> Okay. Well, you said to Colton that. spending is his fault because he won't. say no. That's directly what you said. And you want to be more in tune with. your finances, but that's what you're. saying. Well, I feel like he he needs to. slow down a little more. >> Or why don't you just control your own. habits, you dumb?

>> I do. So, let me give you a scenario, okay? I'll go to the store and I'll be. on FaceTime with him. I'm like, "Oh my. god, it's so cute." And he'll be like, "You should. >> pause. Pause. You have your headphones. in or not?". >> No. >> Oh my goodness. Every time. >> I'm just Were you born here? >> Yes. >> Yes. >> Actually, and you're still one of those. FaceTimes in public overly loud. >> Yes. Oh, you're the worst. We We still. We still We still need to somehow send. you back. Even though you're from here, we need to send you back somewhere. I.

don't know where, but anyone that listen. does FaceTime in public super loud, send. him somewhere. I don't know where. >> I'll FaceTime him right now. I'll be. like, "Oh, this is cute." And then he'll. be like, >> and then everyone is miserable around. you. >> Mhm. >> And then I'm like, "No, babe. We can't. right now. We don't have money." He's. like, "Babe, it's fine." Like, >> actually, >> yes. >> Why? Well, first of all, have some. self-control. What's wrong with you? But. also, why don't you speak up? Why are. you just a pushover? Why do you just let. it happen? >> I do. I do. And I not based on what. she's saying. >> When I tell her, she'll be like,

>> you imagine in the shower later from a. past situation. You'll start crying on. FaceTime. Yes. On FaceTime. in the middle of Sheen. >> No, [laughter] Sheen is not a real. store. It's online only, by the way. But. >> see, >> but she'll start crying like in public. anywhere. >> Really? >> I will not. >> Yeah, she will. >> No, I will not start crying. He. literally has no control. That's it. >> He's saying you'll start crying. And I.

see how caked up all that [ __ ] is. That. That must be [ __ ] smearing. >> Yeah. It's actually scary if I cry. I. can't cry on camera. >> Huh? >> I can't cry here. >> You can cry here. >> I can't. >> Can't. >> No. You don't say words very well. I do. >> Okay. So, you say you put your foot down. or else she cries. But she she says you. don't even put your foot down. I'm just. trying to understand the dynamic of this. relationship as we get into the money. here. >> There's a clear disconnect on the.

reality of the situation. >> She doesn't put his foot down. Like dead. ass. >> Dead ass. >> A big reason why like I've never really. put my foot down. It's because like during that time I. didn't have this job. >> She went behind my back and like had a. sugar daddy. >> What? [laughter]. Well, you guys were dating. >> Yes. >> What? >> And. >> what? >> So that's your fear is you you say no. and then she goes out and gets some. sugar. >> Pretty much. >> I did not get sugar or give sugar. I.

just got money. >> She would know you just get money for. >> She would go to his house. >> Some men are not dumb. >> She would what? >> She would go to his house. I went to. another one time and like at night. >> That's huge. No, >> that's huge. >> BUT I JUST TOUCHED WHAT? WHAT IF I. [screaming] JUST WENT TO SOMEONE'S. HOUSE? >> WHAT? What is this? >> Nothing happened. I promise you. >> Does anyone in the world believe that. for a single second? Why would you go to. someone's house and nothing happens? Not. even all. >> cuz he was going to give me He literally.

gave me $500 to take him breakfast to go. pick up the breakfast from what is it? Crack and Barrel. Crack. >> Crack and Barrel. Girl, what is wrong. with you? >> What are they [laughter] called? >> Crackle Barrel. >> Crackle Barrel. >> That and then I picked up the food. He. literally placed the order through the. phone. I didn't have to place the order. I picked up the food, drove it to his. house, and then. >> What is the sugar daddy situation? What. was the entire. from your perspective? Cuz I don't even.

trust her perspective. What happened? So. she was working at that union place and. at the time I was like she said I was a. server so I wasn't really making good. money. >> Yeah. >> And then. well I guess you found him there and. then. >> the restaurant. >> Yeah. >> Oh at your titty restaurant. >> Yeah. >> He came to me. Yeah. >> A few shots will do a lot. >> What did you just marry? >> Oh, >> a few shots. You okay?

>> Yeah. a few shots for the the man. He. left me $800 that day. He said, "Keep. the change. >> Go on." [laughter] So, yeah. So, she got the sugar daddy and it. was like it it was going on for like a. couple of months from what I saw on the. text. >> It was like 3 months. >> But you didn't know this was happening? >> No. No. The the reason I found out was. because I was doing like a real estate. uh course. >> online course. >> and then I was borrowing her her iPad.

and then like I saw text of her talking. [ __ ] about me to him saying. THAT LIKE. >> WHAT the going to leave me. >> Oh, we're starting this is the first. episode we're filming of the year and. we're starting full Springer AND I LOVE. IT. What the are you talking about? THAT'S INSANE. WHAT ARE YOU? What is. wrong with you, woman? What is wrong. with you, woman? >> Hard time. SHUT THE [ __ ] UP. TALKING. trash about your boyfriend behind HIS.

BACK TO A GUY that's giving you money. that you met at the titty bar that you. go over to his house. What are YOU. TALKING? WHAT IS THAT? WHAT the did you. even think and say? What the. >> I was mad. >> I was mad, but like. >> let's talk about student loans. I know. it's something we all avoid talking. about, but if your private student loans. are crushing you, Y refi might be. exactly what you need. They don't rely. on your credit score alone. They look. for borrowers who have the desire and. the ability to repay. That is a gamecher.

in a market where most lenders only see. a number. Interest rates under 6%. guaranteed. That's practically a unicorn. in student lending. Plus, they offer. structured payment plans to lower your. monthly bill and even a co-signer. release program so your mom and dad can. step off the hook. Y Refi is known for. their personal service. No faceless call. centers. You get a dedicated rep who. actually cares about your progress. They've got a 4.6 star rating on Google,

which tells you people genuinely like. working with them. So, if your private. student loans are burying you, it is. time to reach out. Yrefi wants to help. you climb out of debt, not push you. further into it. Check them out at. yrefi.com/hammer. That is yfy.com/hammer. Or call89733978. That is89733978. Break free from the highinterest trap.

and get your finances under control once. and for all. That's kind ofing stupid, I'll be honest. But what's not is. actually getting a checking account that. gives you free money. Free money. We. like free money. You can get up to $350. in bonus cash right now when you sign up. for the checking account that I 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. Sign.

up for Chime. GET THAT $350 RIGHT NOW IN. YOUR CHECKING ACCOUNT. >> He showed up to my job. >> Shut the up. He's talking. [laughter]. >> So, I showed up to your job and like I. was pissed off. >> But all I did was just sit down and like. just mad dog her. >> Huh? >> I was mad dogging her. >> What does that mean to you? >> Like I was just like standing there just. with an angry face. >> and then. >> and. >> we had like a little talk. I was very. calm. She says I like I was yelling at.

her but I wasn't. but I told her like you can be honest. with me. >> You you yelling at her would have been. totally valid. >> at my job. It would have been valid at my job. Maybe not the best place for it, but I. think you talking trash about your. boyfriend that he that you keep behind. his back to a guy that has given you. money of whom house you've been to, whose house you've been to, and he sees. it only on accident by using your iPad. Yes, I think yelling anywhere would have.

been relatively valid. Beating you, no. But yelling, I think a little Yeah. not. an emotional abuse type of situation, but I think being angry and yelling, yes, I think most people would consider. that valid. >> So, that's like the main reason why I. don't like telling her no. >> Just go get some pay. Dude, >> do you do you do you actually believe? >> I swear up in that hour didn't do. anything. >> Who the trust you for anything? Fake.

tits. Listen, you actually think she. went over to this guy house and not a. single thing ever happened once? You. don't like see you hear that? [snorts]. >> Are you kidding me, Chad? >> Oh, you used the fake name correctly. That's nice. Okay. I don't think so. >> I swear. Like, okay. The only thing that. did happen and he knows that. >> This isn't about defense anymore. He. legitimately thinks that likely. something happened and you just have. never ced to it.

>> No. >> And he's afraid of that happening again. What do you think about that? Cuz that. is real. That is legit. >> It was really sad and I wish I never did. it honestly. Like I regret it so much. >> Oh my goodness. You seem like the. fakest. >> I'm not. I promise. Like I really do. regret it. Seriously. >> Not at the time. >> You saw the entire text conversation? >> Kind of. >> Kind of.

>> I saw like some parts. Well, like. >> was any image sent anywhere? No, because. like his side of the text were deleted. but not her side. >> He didn't need an image. He saw me in. person. Come on. >> Why were his side of the text deleted? >> I don't know. >> what. >> Yeah, like his side of the text were. deleted. >> when. >> Look at that face. That is the most That. is the most I just got caught in a. [ __ ]. >> Oh, no. >> Oh, you are not sly, dude. >> No, I swear. >> Look at you. >> I swear,

>> bro. Nothing happened there. I promise. >> But I promise. >> Many people consider emotional cheating. worse than physical. >> No. Yeah. I I consider it worse. >> And that is for multiple months. I would. say. >> it wasn't like I liked the dude. Like I. just like his money. >> We don't know. We don't know. >> He was He had a receding hairline. He. was old as. >> he was. He has a little bit of. >> Don't attack me. [laughter]. >> Well, it it's it's it's just little. >> back there.

>> It's fine. Finestroide would be a good. start. >> But I swear nothing happened. >> I don't believe you. >> Okay. >> Who would give money for literally. nothing ever? Not even a single titty. pick. >> I promise you. I've had a real sugar. daddy where I have had to give sugar. But. >> And that was that while dating. >> No. >> [ __ ] You guys You guys met at 19? >> Yeah. Yeah. I had him really young. >> How young? I was freshly 18.

>> But are you sure you were 18? >> Yeah. Yeah, I was. I promise. >> Yeah. And I had had to give sugar. But. >> even with. myself, >> huh? >> I was so surprised he didn't want sugar. I swear. >> Well, he's afraid of you doing this. again. And why the were his texts. deleted? That is sketchy as. >> I don't know. I don't remember. It was. years ago. >> Oh, >> but I don't think they were deleted. >> Maybe. You know how like sometimes it. doesn't like sync right with the iPad.

and iPhone? >> No. No. [laughter] That's not how that. works. No. No. As someone with an iPad. here where it all syncs. >> No. >> Well, that's what happened. It wasn't. properly synced. Like there's no way it. was. >> Look, you see how she's so confidently. saying it's because it wasn't synced. Like she didn't even know. She claimed. to not even know about 20 seconds ago. that the messages on his side were. Then. how are you confidently saying it's cuz. it wasn't synced? >> That's my only explanation. cuz I didn't. delete them. >> You are such a liar. You're too easy to. see through the lies.

>> Oh, >> what? This is as clear as day that. you're a liar. The fact that you. confidently said what happened and why. it wasn't there when 20 seconds ago you. literally like what? His messages. weren't there. That's crazy. >> Well, >> I didn't know they weren't there, but. now I'm trying to come up with an. explanation on to why they were not. there. >> And if he requested sugar, >> would I have given it to him? No. I. would have cut it off. Easy to say. >> I ended up I ended up finding out he had. a wife that he had didn't tell me about. So that's probably why he didn't want.

sugar. >> Oh, you were literally dating someone. What the Who are the What moral. >> I was not dating him. I never Oh, >> what moral high ground are you standing. on? He had a wife. You had a boyfriend. >> Well, I'm sorry. It was a different. [laughter] time. >> Yeah, say it to him. But he's afraid of. you literally doing it now cuz he. doesn't trust you. >> I would never do that to him again. Like. it's a whole different. >> What? You literally have. >> Well, yeah, but I wouldn't do it again. I learned my lesson. >> How did you learn your lesson? >> I felt regret.

>> I was the what's it called? The seven. step. >> stages of grief. >> Yeah, it was hard. >> Look at her face. That is a face of no. re. Do you think she actually regrets. it? >> No. >> What the heck? >> And I can tell you no cuz I can tell you. no because we went to Cancun that year. >> because of him. Yeah, he gave me like 30 grand in like the. span of two months. >> No way. There was not a drop of sugar.

It is impossible. >> I wish I could call him so you could ask. him. >> Call him. >> I don't have his number. >> Besides that, is anyone cheated in this. relationship? >> No. >> No. [laughter]. Not physical that I know of, but like. emotionally. >> Me? >> Yes. >> What about you? >> No. M. >> I haven't I've done stuff but like not. like. >> but like over the LIKE. >> WHAT HAVE YOU DONE?

>> NO, you can't justify what you did. >> Wait, what did YOU DO? >> CHEATING. >> WAIT, do you know? >> Yes. >> What happened? >> It was like video chats and stuff. That's it. But. >> that's it. >> But. >> Colton, did you even know this? >> No. >> Colton [laughter] didn't even know this. I'm I'm glad you br this up. >> But that's because like it was like. years of like cheating on her side. >> Years. >> No, you're justifying it. >> Wait, so you were doing multiple cheats?

>> No. >> Yes. >> No. No. It was just conversations. Conversations. She had like she was in. love with some guy that she never met. and like that was like at the start of. the relationship. and she would cry to me about him saying. that she wants to go see him and [ __ ]. like that. >> You cuck. Okay. >> And then what else? >> And why you stayed? I have no the idea. with that. >> I don't know. >> But yeah, what else? >> And then. >> there's no way you're venting.

everything, right? [laughter] Oh my god. >> This is not therapy. [gasps]. Um, well, there's been like a couple of. times that I've caught her like. >> talking. >> talking to other guys. >> What What does that mean? >> Like. >> they flirt with me and I just. >> Where where. >> like on Instagram and like people. >> she's not even at a bar when drunk like. a like a little off. Oh, that's like an. actual real thing. Like continue like. chatting chatting chatting which is okay. by the way if you guys establish that. boundary that it's fine. We could be a.

little freaking fun. But you guys. didn't. We had a boundary with prior. with porn and he crossed that boundary. >> Girl, you were literally You've. emotionally cheated like 30 times if it. sounds like. >> and who knows how long he was doing that. for. >> Okay. So, what was this video thing you. were doing? >> It was just like video chats like me. talking to girls and. >> and he. like. >> and he had a Tinder. [laughter]. >> that I only used like one night and then. I never met with anybody. Why the.

Tinder? >> Yeah. Why would you have a Tinder? >> Meet up with someone. >> That's like literally what it is for. >> I never met up with anybody like ever. >> Ever. >> But you know what? >> You know what? Like I did my [ __ ] He. did your [ __ ] But we're clean. >> Yeah. The video chat. So you you paid for a. private video chat? >> Yeah. >> And you were just like. >> multiple. >> and go to that person. >> Yeah. >> Probably for like a year.

And it was like a clear no boundary on. >> Yeah. Because. >> why. >> TMI? We used to watch together, but then it. got to a point where I didn't want to. keep watching it together. Like it just. felt like like the intimacy between us. wasn't as great because of the point. So. then I I drew the line and I was like, I. don't even feel comfortable with you. watching alone. like in general, you. know, >> there was no reason why you just did.

just said no. >> No, there was a reason. I didn't like. how it made me feel like. >> Yeah, but him watching two girls that. are watching his own though, >> clearly it ended up you did have an. issue. >> Yeah, >> we found out. But. >> yeah, because he did he stopped watching. the free porn and he went to go pay for. it and there was like multiple apps on. his phone. >> What. >> of it? It's like an it's like apps. It's. like apps that you go into and like I. don't know. >> the oil fields that boring.

>> Yeah, probably everybody there does it. >> It's not like Are there like oil. lizards? Like there are lot lizards for. truck drivers? >> No. >> What's that? >> Like nasty ass hoes kind of like. yourself that just like show up to the. oil fields. >> No, I feel like there is. >> Not that I know of. Like I've never like. done anything with anybody in person. >> So why'd you have Tinder? I told you. what happened. >> That's kind of crazy. The downloading. Tinder thing is kind of cool. >> Yeah. Yeah, it is. Like it was.

>> You guys can do these things separately. if you guys establish that it's okay in. your relationship. >> Yeah, >> but you guys were only doing these. things behind each other's backs. >> How the By the way, if we can't even. trust each other on that kind of level, can we trust each other on a literal. numbers level, finances level, not to go. spend money behind each other's back if. we're literally flirting and honestly a. little touch? Probably. Come on. I did. [clears throat] not touch his. >> I don't believe you. >> I did not touch his. >> Okay, answer honestly here because this. could be years ago and we can all move.

on here. We can all move on here. Okay, he can move on. >> At any point during the entire. relationship, did you ever touch an. other penis? >> No. >> I do not believe you. Did you ever touch. another boob? >> No. >> I do not believe you. I don't believe. either of you. And I think both of you. are too scared to say. >> No, I've never touched another boob. I. don't believe you. >> Her tits are the only tits I've ever. touched in my life. And they're. horrible. >> I'm going to get them redone. You're. going to put that into my budget, please. Cuz clearly I need a better one.

>> Well, yeah. I hate when they're like. that. It's crazy. >> Well, >> but they're also not mine, so that's is. to deal with. >> Yeah. >> I don't believe either of you. >> No, >> cuz you both are serial cheaters in. different ways. And I highly doubt it. ever went to the physical level. And. again, it's okay if it did if you guys. established a boundary. Or two, if it. happened like 5 4 years ago, we can move. beyond it. But the both of you are cuz I. guarantee guarantee if you admitted to. the tit you likely touched, she would.

then feel okay to tell that has a guy. touched your tit. >> No. >> Has a guy seen your tip? >> No. >> Oh, >> why are you thinking about it? >> There it is. >> Cuz I was like, what do you mean seen. like in person. >> or a tit? >> No. Well, why'd you have to clarify in. person? >> Yeah, >> cuz I was confused. I knew that picture. >> She's the worst liar. [laughter]. >> Okay. What? >> Okay. Okay.

>> But that was a while ago. I hope. Yeah. When that happened. >> Years ago. >> Yeah. See, got her to admit [laughter]. it. >> Not to it. >> You literally just daddy. It was years. ago. So, how the can we trust each other to. manage each other's money and manage the. wallet? You have to give her a check. You you you trust her with this check. I. >> You can't even trust her in your like. romantic and sexual. >> What do you mean? No. What the No, you're going to. >> I don't trust her like in like. >> going out to like spend all of it at.

once. >> Isn't that it then? Would that not be. trusting? And. >> yeah, >> I wouldn't spend all that money, >> but I do like she'll wait for all the. bills to get paid and then she'll spend. >> the rest whatever's left over. >> Okay, guys, I know what came in on a. monthly basis. >> Let's see. Did you have a commission. check hit? Let's see. No, >> not this month. >> Um, no. Okay, so 7,500 is what came in. What went out? What was the outflow for. the house? >> What was the outflow for the house? Come.

on, money manager lady. >> I want to say around. I thought it was7,000, but I want to say. it's more. >> How much do you think, money manager? >> I want to say like eight or nine. >> What do you think, Chad? Like 10,000. $13,2554. So spending after the bills are paid, you overspend. You beyond overspend. It's all You guys have nothing. What are. you talking about? And you guys just got.

married, which by the way, that's crazy. But [laughter]. two, I mean, just just calculated known. [ __ ] 100% known [ __ ] was. approximately $1,600, $1,600 was known. [ __ ] between miscellaneous [ __ ]. and going out to eat. But then there's. also unknown. There's unknown stuff. Unknown shopping, $860.95, and other large purchases, which we. don't know if they're full [ __ ]. $5,513. So half of that could be [ __ ] as.

alone uh as well. But we know for a fact. at minimum $1,600 was spent on [ __ ]. >> Mhm. >> At a minimum. Oh, you guys are trying to. have a baby? >> Yeah, >> actively trying. [laughter]. >> Is this the time? >> So I thought it was before you guys. called me. >> You applied? No, my friend did. She. applied for me. >> Really? >> Yes. I was telling her like my financial.

situ situation and then she was like, "You need to go on the show. You sound. just That's funny.". >> Yeah. >> We'll bring her into the post show. >> Yeah. She was like, "You need to go on. the show. You sound just like this. episode." And she showed me this the. stripper episode. >> Yeah. You are basically a stripper. Yes. >> And come on. You seem like a stripper. >> I'm not. >> Now you use the fake test. I could. probably I mean. probably be making a little more money. >> No, cuz she doesn't know how to twerk. [laughter]. >> That's crazy.

>> Is it? >> I can't say what I'm going to say. >> What? Say it. >> What? [laughter]. >> Say it. [gasps]. >> But I could twerk on your. >> Yeah, >> like dead ass. >> Oh, trying to make a baby. Yeah, >> but I maybe not. >> standing up. >> Like I want this child to have the best. potential future as possible. >> And that's what I want too. >> Okay, but yet you're doing nothing to. try to pro like to try to do that. You.

spent 2,000 more than you made. >> last month. No, wait. It was way more. than 2,000. It was like 5,000 more than. you made. 6,000. What the am I talking. about? Um, your friends applying for you. to come on the show cuz you're a. complete mess. Complete disaster. Complete up in every way. You guys are. going behind each other's backs in every. way whatsoever. He's afraid of you. spending all the money after the bills. are paid. Are the bills getting paid on. time? We'll find out. And you guys have. horrendous. How much debt do you guys. have? >> Well, >> okay. That's not a number. >> Including the house or no? >> Uh uh no. Let's just say outside of the.

mortgage. The mortgage alone is 357,494, which means he's basically locked into. this job, by the way. Or else you need. to have your income substantially go up. so he can downgrade his income. But. either way, >> yeah. How much debt outside of that? >> What do you think, Chad? How much debt. outside of the mortgage? >> So, adding the car and the credit card, it's like. >> I want to say. >> like 60,000. >> Okay. >> I want to say 75. >> Right in between $72,468.90. The. >> Why after paying bills are we just going.

spending money instead of funneling the. rest towards paying off debt so our kid. can have the best future possible? >> We do. We We get a little bit and then. we [clears throat] divide in between. three. >> You spent more than you make. Debt went. up. Shut the up. You don't know what. you're talking about. No, you don't. Shut up. What are you talking about? You. You spent thousands on [ __ ] What. are you talking about? That money went. to [ __ ] It didn't go to pay off. debt. You What are you talking about? This kid is not consenting to come into. the world. You are choosing to stick it. in. You are choosing to twerk on it. The. kid is not consenting to come into this. world. Yet, you are going to put the.

burden of him. >> on this child that you guys are on. enjoying all your your entire life. So. when it comes to you retiring, that. person, that child is going to have to. put their life on hold to take care of. their parents cuz their parents decided. to live up their life and now your kid. won't be able to. That's not fair. It's not. >> So what the you're twerking on it right. now while you can't even communicate. about money? How does money get. communicated in this household right now. other than the check just gets sent to.

her? What's the communication? >> It doesn't get communicated. Like the. reason the check gets sent to me is. because his idea was just paying off the. credit cards each time with his whole. check. So everything would go to credit. cards and then when we got the house I. was like you need to send me the check. because I was scared cuz he's had a card. repo. So like and he pays for my car. >> Yeah. That was like during co. >> Yeah. So I'm afraid that that's going to. happen again. >> All right. What do you guys think the. household financial score is? 0 to 10. Zero being the absolute worst. 10 being. the absolute best. What do you guys. think?

>> One six. What the? You think you're. above just like straight down the. middle? >> Like we're not that bad, but we're not. that good. You know, >> you had a car repoed a couple years ago. >> and he just told you how much we're in. debt. >> Oh, yeah. >> Bad outside of the mortgage. >> It's fixable. >> You know that moment in a business. meeting when someone says, "Let's use. AI," but everyone just nods and no one. knows what that actually means? Yeah. Most companies right now, meanwhile, your competitors, they're not guessing. They're already putting AI to work. And.

with Netswuite by Oracle, you can too. Netswuite is the number one AI powered. cloud ERP trusted by over 43,000. businesses. It pulls your financials, HR, inventory, CRM, everything into one. source of truth. That connected data. makes your AI actually useful. We're. talking smarter automation, better. insights and fast decisions that save. you money. And now, the Neste AI. connector lets you plug in your favorite. AI and ask real business questions. Who. are my best customers? How much. inventory are we drowning in? Stuff that. actually matters. If I were running a.

fast growing business at scale, Netswuite would be what I'd put in. place. If your revenues are at least. seven figures, get our free business. guide, Demystifying AI, at. netswuite.com/hammer. That is netsweet.com/hammer. Let's get. back to the show. Want to know a dirty. little secret? And no, I'm not starting. an only. You're not broke because you. suck with money. You just can't see. where it's going. [music] If your bank. account is empty at the end of every. month, that is not bad luck. That is bad. tracking. And it's exactly why I use.

Dollar Wise. It shows you exactly where. your [music] money's going every single. month. Spending, subscriptions, and. savings, all in one simple dashboard. Everything you need and nothing you. don't. And when you download Dollar. today, you'll get a try for free, plus 3. months for just $9.99. So you can. finally take control and see what your. money's been doing behind your back. Click below to get started because you. have a good job. >> Yeah, you think you're doing well. That's what people think pulls the. weight. Sometimes when you have more uh. bring in a higher income, you get into a. worse financial position in this country.

than those who make less. >> Yeah. >> If you want your hammer financial score, find out where you stand in the world of. money, take the assessment for free at. caleb.com. Just takes a few minutes. You. get to see where you're doing poorly, what you need to do to improve, and. where you're doing pretty great. And if. you don't want to be like a guest who. ends up on the show, make sure you. download the Dollar Wise budgeting app, guys. New features being added every. single month. Massive refresh coming in. February. It's incredible. And most. people sign up for the annual version. because it saves about 50% and you get. my budget friendly cookbook signed by. me, mailed directly to you. And that.

only exists through the end of March and. then it's going away forever. Can't be. purchased. Can't be nothing. It is going. away. So check that out. dollar. wise.app. Get your free trial. All those. links are in the description below. And. of course, you guys get access to that. and you get access to our master your. money program which has every class. we've done and every class we will do in. the future and the community of people. that are um trying to fix their finances. or are making their finances even. better. So, make sure you guys sign up. for just use those resources. Okay. Okay. All right.

Cap one saver card. Are you guys. authorized users? Are these individual. credit cards? >> I'm an authorized user in all of them. >> Oh, you So, he has the credit cards. You. became an authorized user. >> Yes. >> Leech. Okay. So, >> I did it to like help out her credit. >> Really? >> Uh-huh. >> So, like help out her credit. >> Your credit. >> No, >> I know. >> Okay. >> His credit was and it helped. It was. doing really good. Like I was like at a. 700. >> Okay.

>> Until this year. Last year. >> Last year. Yeah. >> Why? What happened last year? >> Just credit cards and overspending. >> Why? What happened? What are you doing? >> Trips. >> What trips? What trips are you? >> Well, here to like we like to come to. Austin a lot. Um, where else? >> I don't think the trips are the problem. >> That's a road trip. That's not even like. a big thing. >> Yeah, but we spend a lot here. >> Why? What are you even spending there? >> The food. It's delicious. >> Yeah, we have good food. You live in the. middle of a desert.

>> Yeah, >> she loves food and to like shop. >> Yeah, >> we have halfway decent shopping, I. guess, compared to El Paso. I'm sure. it's great. Yeah, but she like she loves. going to. >> Where you going? >> Huh? >> Aritzia. >> Is this. >> Aritzia? >> What's it called? >> Aritzia. >> Yeah, that whatever. >> What are you getting? >> Business casual clothes. I'm a realtor. >> Listen, now I know shit's expensive. I. just got a bag for Christmas for my What. did I get, Lindsay? I got something.

What did I get? I got a bag. Some kind. of bag. >> Chanel. >> Chanel. I got a Chanel bag for the. girlfriend. What the What the are women. doing? You guys are insane the amount of. money you guys spend. What the is. happening? I don't I don't even. understand. When I went in there, it was. exotic. Languages I didn't even. understand. >> Yeah. >> The is wrong with you? He's making all. the money. You want to have a kid? Yeah. You come to Austin, blow it all in what? Hermes or Hermes and all that [ __ ]. >> But then she makes me get Great Value.

ice cream. >> Like, dude, that shit's nasty. I'll be. honest. Great Value is not good ice. cream. I don't either. I eat Ben &. Jerry's. >> So you make him Great Value and you eat. Ben and Jerry. >> The fudge popsicles, they taste the. same. >> No. >> No, they don't. >> They do. >> You think you would know that more than. him? >> I don't like the fudge popsicles. >> Okay, so we're spending a sh each time. you come to you, you spend around 2,000. How? How? Shocking. That's the cool. thing. What? What is What is. >> Airbnbs?

>> Girl, we live here. Everyone's shaking. their head. No in this room. Well, you're choosing Airbnbs that are insane. We had someone that has an Airbnb on the. show recently. What did she charge. tonight by the airport? >> Uh, less than 200. >> Yeah. >> Oh, wow. >> Yeah. Less than 200. Oh, wow. How long are you guys staying? >> Four bedrooms in a pool. You could get. cheaper. Guaranteed. >> I need that link. I love a pool. >> Yeah, it's called Airbnb.com. >> Oh, the link of that specific one. though. >> No, you just look sort by price.

What the is wrong with you? How long are. you guys staying in Austin? How often? I. still don't know how it costs. >> We usually stay for a week. His week. off. >> Yeah. >> What? Every week you have off. You come. to Austin? >> No, every other week. No. And we don't. come every time. >> I was going to say I've never heard of. this. Listen, I this the city. >> Okay, it's fine. I I've never heard of this. >> We don't come every. >> You also have other ones to choose from. You got Dallas almost just as close and. San Antonio, >> but not the same. Okay.

>> San Antonio is more you guys. >> But it's more family oriented. >> Yeah, it is. I guess. Yeah, you're. right. Austin's little. >> It's like more like. >> No, we don't even go to the bars. >> What the are you talking about? >> Just like the food, the vibes. You get. to walk everywhere. It everywhere's dog. friendly. >> I would assume in Dallas as well. >> I mean, if you go to the walkable. pockets, they're going to be walkable. regardless of where you go as long as. they're walkable pockets. >> I've never been to Dallas. >> You haven't been to Dallas? Mm-m. >> It's too ghetto. Well, it looks too.

ghetto. >> Honestly, I checked the crime rap when I. was considering moving there. The crime. that happens there compared to the crime. here is absolutely insane. The crime the. crime that happens in every city. compared to Austin is actually kind. ofing crazy. It's kind of crazy, but. someone did get killed immediately when. the new year happened at our old office. >> Oh, that's crazy. >> Wasn't my fault. Okay, so what's going. on in this car? Traveling to Austin. >> Yeah, that's our travel card. We usually. that one used to be paid off all the. time. So whenever we would travel. >> now it's over maxed out.

>> Yeah cuz of the phone bill. >> Where else are you guys traveling? >> Um. >> wait it really is just Austin. Austin. >> Phoenix. The did you just call me. >> Scottdale? >> Yes. >> Cancun? [laughter] What the mean? >> I just call it Cancun like like an. American. >> Sorry. [gasps] Well Arizona. >> What? That's where I go. >> Where? >> Play Carmen. It's like the best city in. Cancun. They have like a whole street.

>> So, how do you say in American? >> Play Carmen. >> Play Carmen. >> Playa Carman. >> Nice. There you go. >> Yeah, >> now I get it. I'll go there. I'll go to. Playa Carman. I'm not going to go to. >> Cancun. >> No. >> Come on. I was setting you up to say uh. Playa Carman the Mexican way. >> Oh, play Carmen. >> Yeah. >> Okay. So, I guess what? Arizona is. probably just as close, right? Just. about. It's like six hours. >> It's a little closer. >> Yeah. Isn't that crazy? Because that's.

like a whole other state away. You have. to go through New Mexico and everything. and yet it's still closer than going to. central Texas. >> Yeah, >> Texas is damn big area. Okay, so let's. see what you spent money on. Cuz why the. are we spending $68267. on a car THAT IS OVER THE LIMIT AND. ACREWING $9729 of interest by the way. You Why are we spending on that? Huh? Huh? >> We didn't spend on that. >> Huh? >> It's the phone bill. It goes in. automatically. >> Phone bill is $682.67. >> It's like $370.

>> The rest of it. >> I don't know. Probably other bills cuz. we have not touched that card. Yeah, >> Chad, how long does this take to pay off. if you guys do not purchases, which you. which you guys are incapable of, and you. only make your minimum payments? How. long does it take to pay off? >> Like 20 something years. >> What do you think of. >> 19 years? >> Okay. [clears throat] 19 years. >> I'm close. >> 19 years. Your kid will be graduating. high school. >> Yeah. >> Yeah. >> Hopefully not. We're going to get this. resolved. >> Hopefully not. What you want the kid to.

as you? >> No. Hope. >> he's going to be held back that much. >> No. Hopefully. Hopefully we get this. paid off way before then. >> I would hope so. Not going to happen. when you're buying games on there. You. got your security bill on there. You got. your phone bill on there, which by the. way is $424. What is wrong with you? Use. Helium. If T-Mobile is good in El Paso, use Helium. Is the most insane phone. bill I might phone bill. I've ever seen. because of my job. >> What? What's wrong with your job? They. They make you pay $500. $500 a month.

>> He works in the middle of nowhere. >> That doesn't equal Verizon service. It's. $500 a month. >> That's what I told him. I keep telling. him, "Let's go to T-Mobile." He does not. listen to. >> No, no, no. It doesn't matter. If you do. Verizon just for the service, it's going. to be like what? 120 150 bucks a month. >> about. >> I was $500 a month. >> The devices of the Yeah. devices. >> Well, why are you financing YOUR. DEVICES? >> HUH? HUH? >> WELL, >> what devices are you guys possibly. financing? It cost this much.

>> Mine is not new. He has a brand new one. Yelling. I had 500 a month. I had like. the 16. That one was. >> You got your internet on here as well. Stupid, stupid, stupid. On a car that. goes above the limit in a cruise. interest. Why do you guys want to pay. 30% on all these bills you guys have? You have bills that you sign up for and. you want to pay 30% more. That's smart. That's great. And then Camino Real. Regional. >> What? >> And that hotel. >> Oh my. >> Yeah, that's a hotel. >> Yeah. Yeah. >> What does it say? What does that say? >> $74.56.

$74. >> 56 cents. >> No, with a water. >> What water? >> Water bill. That's what it's called. >> It's like 700 bucks in interest last. year. $700 ripped. $700 that you spent. on the oil fields gone. Destroyed. Obliterated. at a 28.74% interest rate. >> 28? I didn't know it. >> You didn't know you apply for them? >> I didn't know. >> I don't even have a say when you apply. >> What? >> Yeah. Yeah. >> Well, he doesn't have a say when you go.

text men behind his back either. So, >> neither do I. >> He's not texting women. He He was on. booby cams. >> Um, you could text people there. You can. meet up with people there. >> You can meet up. It's a pro site. >> basically. >> Not that I know. I just did the chats. like the video. >> Not that he knows of. Did you not read. the terms and conditions? >> What websites do you use to meet your. prostit? >> Don't Don't give it to us. He does not. need that.

>> You want to have control? >> No. >> You said no. >> Wait, what? No. Yes. Yes, I do have. control. No, but like I don't like. >> what? >> I don't know. >> Oh boy, guys. Obviously not credit card. people. I'd use the Fizz card. It's a. debit card that builds credit. A lot of. people out there use it to build their. credit and not if they know they don't. have the self-control. And clearly you. guys don't. Platinum card. What's going. on with this? >> Is that the Greek card? Yeah, >> that's her. What? Like. >> that's not my card. The blue card is my.

card. >> Oh, we do it based on color. Oh. >> yeah. >> Oh, that's how you know you're in a poor. household. Which, by [laughter] the way, you guys make a lot of money. You. shouldn't be, but that's how I was. raised. The color of a card. That's when. you know, you have the green card, you. have the blue card. Oh, you guys are. broke. You guys are broke. >> I thought we were rich. >> Well, you're. >> And it's also over the limit again. Rich. H. Two cards over the limit. Interesting. $90 minimum payment, 15. years to pay off. Why are we purchasing. again? $78,311.

on a card that is acrewing interest. $64.75 last month. It is above the. limit, [ __ ] $2,68.73. Why the are we purchasing? Huh? >> I think. >> I don't know. I call it this card is. >> No, this one this one has been getting. better. >> It's above the limit, dude. Are you. stupid? >> Let's go into that one, too. >> It's above the limit. What is wrong with. you? It's been getting better. What? It's above the limit. Yeah. >> You guys just got two brand new dogs. >> Yeah. >> You're trying to have a kid and you just.

got new dogs and you can't afford to. even take care of yourselves and you got. things that. >> we have four dogs. >> What? >> Yeah, they're. >> They're [clears throat] so cute. >> No, they're probably cute, but why the. >> Because we got a house, so I have a. backyard. >> Yeah, but he's out in the field all day. >> Well, yeah, but I take care of them. >> Told you you didn't work. >> I don't. I try my hardest. I try my. best. >> Uhhuh. Yeah. No one believes that. No. one believes that.

I don't. This is insanity. Oh, they're. pugs. >> Three. >> Golden retriever. >> and a gold. >> Oh my gosh. It's all [ __ ] It's all. [ __ ]. Standard scores. Jack in the box. Supplement Express, Cabo [clears throat]. Cut, something Smoothie King, Buffalo. Wild Wings, Nak Vending Machine, GOING. IN SOME [ __ ] SMOKE SHOP, Apple. Bill, Apple Bill, All Sup all Paramount.

All sub experience credit score. You're. paying for that [ __ ] Fast track. Apple. bill. Desert. Tallow Verde Appleville. Going inside. GETTING SOME [ __ ]. GETTING SOME [ __ ] HUNDREDS OF. DOLLARS IN INTEREST. What the are we. doing? Pull up your phone. Give it to me. now. Now. Give me this [ __ ]. And you too, by the way. I'm about to do. same thing for you.

Apple bill pay for GV. You work on the. oil field. What are you even using it. for, dude? I mean, I like it. I use it, but what the [ __ ] are you using it for? How do I not blow up the oil today? >> Just for fun. >> Duolingo. What are you learning? >> I was learning German for a good minute, but then I just. >> Why gave up? >> Are they on the move again? >> No. It's just for fun. >> I was wondering. >> Okay. HBO Max is that and Apple TV are. like the best.

for the premium TV, but you can't. I. don't know if you can afford it right. now. iCloud Plus. Okay. Oh, open. >> I did open it. You took too long. How many men are in here? >> Well, but they're realtors. >> What? >> They're realtors. >> Why do you say everything like when like. [laughter]. [sighs]. >> Do I really? >> Yes. It doesn't annoy you. You're used to it.

>> I don't hear it. Yeah. Like I'm used to. it. >> He doesn't even hear me. >> I'm going to go through your guys' text. messages and the post show. I bet you. guys just. fight and I. >> No, we don't actually. >> Peacock. I He just said yes. You said. no. See, you can't even agree on that. >> No text. >> Oh, Facetune. I am not surprised. >> Yeah, you were the most facetuned. Yeah. [laughter and gasps] Oh, yeah. >> Why do you put me on? >> Well, it's there. And you look like the. exact person that would use Facetune. Peacock. Why the [ __ ] are you paying for.

that? At least he's paying for a good. one with HBO. >> I watch Real Housewives. hoping to become one one day. Yes, I'm. starting to understand. Canva, Apple Music, that's included with your. Verizon plan, but [laughter] that's only. $500 a month. [sighs]. Colton's telling me you also have a. obsession with TJ Maxx. >> I do. [clears throat]. >> Why? It's TJ Maxx. What's so special? >> We have something new every day. >> Well, you're keeping the children. employed in Vietnam, I guess. Yep. Good.

>> A job's always good, huh? >> A job's good. clicks over one. $1,682.11. Minimum monthly payment $64. 13 years to. pay this off. Interesting. Purchasing. $858. What are we doing? $858 when the. interest rate is acrewing $44.76. a month. What are you doing, guys? Why. are we purchasing on this as well? That. last one was all [ __ ] Is this one. going to be all [ __ ] What's going. on with Quicksilver One? I think it's. like like when one car doesn't have.

money, we go to the next and then the. next. >> the next color. >> Yeah, pretty much. >> You guys are not credit card people. Close these. You already have a house. So, what do we need credit for? Destroy. them. Burn like that. And that was the. plan before we got the house. >> and then. >> you got a house you could afford. >> No, we couldn't afford the house. >> Then why how did that our plan? >> Because Okay, so. he tried paying off the credit cards. before getting the house. So, he got a. loan on his 401k.

to pay off the credit card, >> which is so stupid because you didn't. change your behavior first, which means. you just build up the credit cards. again. >> Yeah. >> Okay. >> So, now we can't close it, but the plan. was to close it. >> Well, the credit cards you can still. close, but. >> Yeah. What happens if you quit your job. or if you get fired? >> What if the ind oil industry listen oil. oil is getting nice and cheap again? Supply is flooding the market. Sometimes. that mean that means they might slow. down so that price can stabilize a bit.

more so they can make more money which. might mean layoffs. >> Just saying. >> Not with the company I'm working for. They're. >> that company never lays off. >> It's rare that they do. >> It's rare. You're right. Honestly, in a. lot of companies is honestly even like. mass layoffs and tech was a bit more. rare until this year. Federal government. a little more rare until this year when. the economy changes and oil prices are. on the way down. you know, getting like. what is it like a buck 50 in some places. now to for a gallon of gas. Kind of. crazy. Or if the economy comes to a big.

slowdown, which last quarter's GDP. numbers were good, but people cut back. on [ __ ] I'm [clears throat] just saying. you already want to quit anyway, then. all of a sudden your 401k loan comes. due. What are you going to do? >> I' I've been paying it like every check. it out. >> Yeah, but it will become due like that. No. >> Uh-huh. Didn't even know that risk, did. you? Oh, it's all [ __ ] Smoke shop. Who's killing themselves? >> We both. >> Why? You already. >> He does nicotine like that kills you. bad. >> And what do you do, dumb?

>> Weed. >> What? You think that's is good? >> I mean, it's a little more natural. >> Nicotine is natural. >> But they put a lot of [ __ ]. >> It's a tobacco's natural. >> The ones that look like an iPad are. natural. >> What do you do? Vape? >> Mhm. [laughter]. >> Yeah, but it doesn't look like an iPad. It's extracted from the plant. >> Shut up. Just shut up. Okay. Smoke shop. going in against the [ __ ] What are. you getting in a Dollar General for like.

$4.95 every day? >> Probably milk. >> Every day you go get a gallon of milk. >> Oh, no. Like. >> it's chip. >> Munchies. >> They're called munchies. You should try. them. They sell them at the gas station. only or dollar. >> That's all she eats. >> Okay. Munchies. Munchies. Munchies. Passorn. Of course. Went inside. Got. some [ __ ] All subs went inside got. some [ __ ] Prop wire smoke and vape. all subs. Prime Video Amazon Prime Video. Microsoft all subs. Are we doing guys?

This is all [ __ ] It's all you. dumbass [ __ ]. >> Two lay fees here so far. I thought I. thought. >> on the credit card. >> I thought you gave the check to her so. she can pay your bills on time and then. go spend the money. >> It goes. Yeah, like but interest and. late fees on this card. Interest rate. almost 30%. Oh, Ashley Home Furniture. I. will never buy from Ashley again. >> Why? >> Horrible experiences. Not great. Kind of. shitty products. I like the person who. works there that I bought from. I have a.

good relationship with her, but most cuz. she relative of someone I know. Either. way, regardless, still wouldn't buy from. Ashley. Oh my gosh. You owe $5,486.75.77. with Ashley at $168.99. a month. What is wrong with you guys? >> No interest. >> Yeah, until there is, you dumb tit. Takes 3 years to pay off, >> but I'll pay it off by then. >> You have to. >> Yes. >> It's not really an option. What was this. for? >> Um, our couch and [clears throat] our.

guest bedroom furniture. >> How critical was that? We had to do the. guest bedroom furniture or else we were. going to die. I got it half off. >> Dude, that's Ashley's thing at [ __ ] So. they do half off. >> No, I price matched. It was like 1,000. something at Ashley and then online. I. think it was at. >> at Ashley. No, >> online at Ashley. >> No, online on Big Lots. I think. >> Big Lots. >> Yeah, Big Lots had it online for like. half the price. So I got. >> If Big Lots even sells it, you shouldn't.

consider it. >> Well, I'm not sleeping on it. It's for. guests. >> Uhhuh. What a host. Hey, they got a. brand new mattress that cools when. you're sleeping. >> Is that where we want our mattresses. from? Colds. >> No, no, no. It cools. >> It's like fresh cold. >> What? That people won't be sweaty. >> Yeah. >> What do you mean it's cold? >> Yeah. >> Does it have the eight sleep on it. >> that cools you? >> I think so. >> No, it doesn't. You spent 10,000 hours. on a mattress cover that cools you.

>> No, it's not a mattress cover. >> It's a mattress. Is it the natural. cooling [ __ ]. >> Yeah, I think so. I don't know. They. sold me on it. >> Yeah, no [ __ ]. >> I got it open box so it could be. cheaper. They told me that they just. open the plastic and then they send it. back. >> By the way, you're getting a paper. statement fee on this every single. month. You're literally paying for that. instead of just going digital. What's. wrong with you? Yeah. Why? Why do that? Just go digital, you dumb. >> Minds me. I have too much going on my. phone. >> No, you No, you don't. You have nothing.

going on. You're a [ __ ] fake realer. Kind of. Come. Well, come on. >> A little bit. >> You made less than you'd make working at. McDonald's. >> But it's a new year, so. >> for everyone. >> It'll go better this year. Maybe I'll. hit six figures. >> Uh oh. Collections. Why do we have. collections for fun? >> What? What the is going on, dude? >> What do you got? $5,67 in collections. What? >> That was a apartment that I.

>> What is wrong with you? Why? Like during. co I got evicted. >> So. >> I couldn't pay for it. >> Why? >> I didn't wasn't making any money. >> Why? >> I didn't have a job. Well, I didn't have. a good job. >> Dude, Texas closed for like a month. >> That's why I gave him an ultimatum. >> cuz he was getting evicted. >> It was that job. >> Mhm. >> It's a winwin. You get money and I get. money. These are called affiliates and. you get that sweet sweet cash for. signing up for some amazing products. The first one is Chime. This is a.

checking account that I personally use. and you get up to a $350 bonus with a. new Chime checking account and earn up. to 3.5% APY on your savings. And second, my investing app of choice these days is. Weeble and get a 2% match on all of your. money that you transfer over. And. finally, sign up for automated investing. with Acorns. Typically, the signup bonus. is only five bucks, but with my link, you get $20. Ladies and gents, you get. money, I get money. Enjoy. Links are in. the description below. 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 sauce. 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. Why didn't. you go get a job? We Texas did not. struggle. >> during co for like a month or two maybe. >> And then we got checks. >> They approved you for a mortgage with. us. >> I was impressed. >> You were impressed. Great. Glad they. impressed you. $5,67. What's your plan. with this? I'm. >> looking the other way. Well,

>> it's going to be on your credit until. 2031 at the earliest. >> That's like 7 years. So, it's like. >> Yes. >> Yeah. 2031. >> Yeah. This hit 2022. >> And I was trying to like basically like. I hired somebody for them to like get it. to get rid of it. >> Hired [snorts] somebody to dispute it? >> Yeah. To dispute it. >> Well, why would it be disputed? You. didn't pay your rent. They evicted you. You owed this. >> Yeah. >> So instead of paying something you. actually owed contractually, you hired.

someone to dispute it. >> That's what I told them. >> And they were doing it. They were going. to do it. They were sending letters. >> But there was nothing to dispute. You. got evicted fairly. >> Yeah. But. >> what. >> I kept telling him to call him and set. up a payment plan and he never would. He's like, "No, it's just going to go. away.". >> He's like, "Why eventually it goes away. >> to a Yeah. To a certain point." But. there are c, you know, there are legal. protections as well. If they ever view. it worth going to court for, they could. >> Yeah, >> it probably won't.

>> Yeah, >> but they could, but it's been known to. happen. >> Well, hopefully it doesn't. >> I hope they don't. And it's been sitting. long enough where I don't think they. would, but. we'll see. Okay, here's another loan. What What is this? $4,226.62. with a minimum monthly payment of. $11.16. What is this? That's the other 401k. loan, too. [ __ ]. >> two. You have two 401k loans? >> I already paid one off earlier this year. and then I got a second one. >> That's a 401k loan. >> Yeah. >> So, obviously that is taken before your.

paycheck hits. >> Yeah. >> So, why'd you get another one? >> To pay off the credit card. So, >> twice. >> Yeah. And I didn't find out about the. first one till the first It was because. we went to Cancun and she wanted to go. shopping and I didn't have the money for. it. So, >> we took out a 401k loan for shopping in. Cancun. I didn't even know. I. >> What the is wrong with that? >> Well, you know why he did it? So you. wouldn't go suck behind his back for a. paycheck cuz that's what you're known. for. >> No. No.

>> Defend me. >> Close. [laughter]. >> No, she's not known for that. >> Making a guy think like his is going to. get sucked for a paycheck. >> Yeah. >> Yeah. I lied to people. Not that way. >> Oh, we know. And but it's not very hard. to see through for you. >> Oh, >> dude. That is crazy. What the. What is this relationship to you? Another sugar daddy, but this one you. just bounce on. >> No, no. I truly love him. Like the reason. I'm with him. >> He's taking out a 401k loan so you don't. leave him for money.

>> He did that because. >> So you don't leave him for money. >> But that's his own traumas. He should. work on that. >> His own traumas. Wait, from you? From. your actions? >> Yeah, but wait. therapy [laughter]. >> from your actions a couple years ago. >> Yes. you. >> like if you chose to forgive me, we. chose to move on from it. >> and you simply can't. That is like. >> you would to seek therapy to make it. better. >> Actual victim blaming, not the [ __ ].

Tik Tok stuff that you always see that. wannabe victims do. That is actual that. is insane. >> Why? >> What? You did that? Did you say then he. needs to seek therapy? >> He did something to me and I seek. therapy. >> The cam girl? Yeah. >> You seek therapy because you jacked off. to a cam girl once. >> No, I seek therapy. >> Dude, you were literally cheating. Why? [laughter]. >> I just seek therapy to be a better. person. >> Bipolar. >> You're going to need a lot more. >> She's psychotic.

as. >> Yeah. [laughter]. >> What? >> Girl, look at yourself. No [ __ ] Watch. this episode back. >> I'm not psychotic. [clears throat]. >> What did your uh therapist tell you? that you have. What do you have? >> I get manic episodes from spending. >> What? From spending. >> Yes. So like. >> how do you get frustrated? >> So my manic episode is spending like. splurging. So like I'll be going through. like a manic episode and I just want to. spend money and like I'll go to TJ Maxx.

>> every time Max. >> Yeah. >> Is that all they have in El Paso? >> Yes. That's the only fun thing. Unfortunately, the mall is like well the. good mall is like what 30 minutes away. from us. So can't go there. What you. live? I go 30 minutes every day to get. the work. >> Yeah, but you live in a big city. Like. that's expected. >> Is it El Paso considered a city? >> It's really small. >> It's the fifth largest in Texas, but. it's still in like the in the country. It's still the halfway decent sized. city. >> Yeah, it's just there's a lot of.

traffic. That's really what makes the. >> Why go to a city? That's [laughter]. >> Well, okay. You're right. Actually, I do. not want you to go to that mall. Why am. I trying to. >> Exactly. Don't enable me. >> Yeah. No. Well, you should have a little bit of. self-control. >> I don't. I try. I even took. >> try. What? >> I took bipolar medication and it helped. me. >> It did. >> But then she took it and then she. stopped taking it cuz she saw how good. she was doing. >> Yeah, I was doing it up.

>> I was doing so good. I thought I didn't. need it anymore. >> What? >> Yeah. [laughter]. >> But let me tell you, I need it. I really. need it. Hopefully my doctor doesn't. watch this cuz. >> Yeah. Why don't you just do what your. [ __ ] doctor says? >> Well, I I try. I try my hardest. >> You try. You actively chose to stop. taking a medication. >> I didn't actively choose. I just forgot. one day and then I forgot the next day. and then I just forgot. And then by the. time I for remembered, I already forgot.

3 days. So, it's basically like. restarting the treatment. So, like. what's the point. >> to get back on the medication? You dumb. What are you talking about? >> I'll work on that. >> Don't you just have to take it? Isn't. that it? >> Yeah, but remembering to take it is. hard. It's like two pills. [laughter]. >> Do you take anything else? Weed. >> No. >> No. >> Yeah. Weed with that medication, by the. way. >> Yeah. My doctor does not like that. It.

could cause psychosis. >> Yes. [laughter]. That's the reason why I don't take it. cuz like god forbid I guess that closes. one day. That'd be very scary. >> One day, >> probably soon. >> Okay, so this is the 401k loan. $4,226.62. that you're not taking advantage of. growth in the market of which was an. incredible year in the market by the. way. Incredible year. You're paying the. introspect yourself, but it's like it's.

stupid instead of actually gaining the. the good [ __ ] What are you going to do. when you get pregnant? You're not going. to smoke. >> Yeah. Why wouldn't I? Why would I? >> Why would [laughter]. stop now if you can? >> Okay, I will. I'll do it for you. >> Huh? >> I'll do it for you just cuz you asked me. to stop. >> I've asked you to stop so many times, >> but you don't listen to me. Yes. Like. >> he's asked me to stop because he said. she sees I do really good. I do really.

good off of it. like I am um. >> because of we she weighed like 200 lb. last time. [laughter]. >> He literally we came to Austin and he. looked at me and he was like come here. babe I'm sorry it just looks like you're. in a fat suit right now. [laughter]. [snorts]. >> Like what the Of course I got it. together and now we're here. I still. need to lose a little weight, but.

not a fat suit. >> That's all. That's the reason you wanted. her to quit. Not her lungs, not her. health, not. >> cuz she [laughter] got fat. >> Are you still fat? >> No. No. I'm kind of skinny. >> He just said, >> "I'm not skinny. I'm I feel like I'm. thick.". >> He thinks you're still fat. >> No. He said, [laughter]. "You really think I'm fat?". >> No. No. >> Let's talk about you. >> Give us a twirl.

Thick. Thick. >> Yeah, I'm thick. >> Not fat. >> Curves. It It holds more here than. unfortunately. Which is why you use. Facetune. Yeah. >> Yeah. And even the Facetune does not. take off my double chin. You need to. show me how to use it cuz. >> I don't know. I don't use it. I embrace. >> Well, you know about it, so you must. >> What? You just called him out for being. fat. Well, he's not fat. >> You can't see them love handles, >> bro. He is not fat in any way. whatsoever. He cries himself to sleep. every day cuz he's. >> don't. [gasps].

>> Yeah. He literally tells me, "I'm so. fat. I can't eat today.". >> Well, that's likely someone caring about. their health and his fat is not actual. fat. Come on. >> It's not fat. >> Give us a twirl. >> Give us a twirl. Come on. >> This dude is not fat. What are you. talking about? >> He's He's average build. >> Sure. Yeah, maybe. But he's not fat. Well, he calls himself fat. I'm just. >> Well, yeah, because he probably cares.

>> Yeah. >> Or you just let yourself go. >> He said it, not me. >> I looked great. >> when you were fat. >> Yeah, I'm still pretty. Being fat does. not make you ugly. I've seen [laughter]. I've seen some fat people with beautiful. faces. Just. >> fat people usually like age better cuz. it's stretches. >> They do. >> like face, but then they don't make it. to as high of an age. >> Yeah, cuz all their. >> But they do have baby face longer. Okay, house. Here we go. >> We got a good rate. You're gonna be. really proud.

>> It's fine. That's kind of just where. rates are. It's about 5%. >> They weren't that when we got it. >> When did you get it? >> In August. >> Yeah, >> it was like a six. >> Yeah, it's like five six. Yeah. Did you. pay down? >> Yeah. >> That's not being proud. You paid down. the rate. >> No, we didn't pay down the rate. You. said I We paid down payment. Yeah, we. did pay down payment. >> What was your down payment? >> Put in your address. >> 14,000. >> What is that? FHA. >> What? >> Yeah, I'm really proud of that. Okay, it's fine. I guess puts you in a pre.

precarious situation in a housing market. like Texas down the address. >> How do you not know the address? Be so. for real. >> Have you ever typed in an address? >> Yes, I have. >> You put the zip code first? >> Yeah, it was an accident cuz I saw the. zip codes there first. >> What the [laughter]. You're kidding. This is going to be the dumbest child. ever born. >> No. >> Yes. >> No. I hope not.

>> You think it will? >> What are you guys? You owe $357,494.89. with a 4.875% interest rate at $2,560.28. a month. >> It's not coming up. It says we didn't. get that. >> Huh? >> It's not coming up. >> What isn't? >> Do I tell you the address? G. >> give it to me. Do we have the link to. like something maybe? >> One eternity later. >> No, that's New Mexico. What the hell? >> Yeah, we are in New Mexico like.

statewide. >> That's like. >> Oh, wow. You're technically in New Mexico. New. Mexico is a [ __ ] hole. >> Mhm. The tax. >> like actually. >> No. Yeah, it is. >> You actually have an equity position for. what it's worth. Is this in the middle. of nowhere? >> Mhm. >> It's worth probably about $381,500. Okay. So, a little bit of an equity. position, which is better than a lot of. people are getting these days. New. Mexico. Interesting. New Mexico sucks.

>> It does, but it's We wanted it to be on. the west side, and that's the closest to. the west side we could get. >> Yeah, that's real west side. That's. hyper westside. In fact, I would say. that's like ultra westside as in. across the state line. >> Yeah. >> Oh my gosh. What are you doing? That's. horrendous. Okay. Oh [ __ ] I thought that was the guy of. the debt. What is this? What is this? Mazda. >> It's our negative equity Mazda.

>> Is this a loan or a lease? >> A loan. >> What the? $780.86. a month. >> Mhm. >> Mazda. What? >> It's a CX-50. >> Why? 41,744. See, listen. You were like, "We can't. afford our bills. Go get a better job.". And then you got a better job. And then. you made YOUR BILLS GO WITH THIS. WELL, let me tell you something. >> Yeah, tell me something. >> I actually have the same exact car, but. smaller, same color, everything, just a. few miles on it. And then I went and I.

traded it in because I wanted the newer, bigger version. >> What am I supposed to get from that? >> That's dumb. Okay. >> Yeah. Oh, yeah. And then also, we. thought we had financed for 5 years and. we actually financed for six years. That's why the payment seemed better in. our head at the moment because it was. only $100 above. >> Go $41,74485. What do you think it's worth? >> Like 25,000. >> Well, it's valued at $20,129.

That's insane. You're underwater by. half. What the crazy? >> Yep. >> That is absolutely crazy. >> Yeah, we want to get rid of him. >> Good luck. How? You're underwater by. half. Can we count? >> What's the interest rate? >> What's the interest rate? >> I think it's a four. >> Four. I hope so. >> Yeah, it's a four. >> Oh my gosh. Your your repossession is. still on your. >> but like that like. >> but like what. >> Colton relative today. >> and like I was surprised cuz I didn't.

know I still. >> you said it's in your experience and he. doesn't have your experience. >> No, I know. But like it didn't it never. showed in my. >> every time I would check it or like when. >> Oh, it's on there right now. $7,52. It'll probably fall off in the next year. or two. >> Yeah. >> Finally. Is that the end of our debt? >> Yes. >> Oh, what a mess, guys. Oh my goodness. Checking account's all [ __ ] It. started with 4,259. That's great. But. ended with 805. It's horrible. Zelling. out. Zelling out. Salad. Country Club. Smoke shop. Going into some [ __ ].

Getting some [ __ ] Donuts and hot. something. Apple cash. ATM. Who knows. where the that went? Vend for Troy. Zelling out [ __ ] Pets Smart going. against [ __ ] Smoothie King Moochi's. Mexican vending machine. Vending. machine. Chili's teriyak el. coochieville. [gasps]. Coochieville is crazy. >> Sumaran. Pet Smart, but it was again like a.

dollar. Walmart. It's hard to know. $3.96. Probably [ __ ] [ __ ] Uh. nothing but cake. Chipotle. TJ Maxx. [ __ ] [ __ ] Uh, potential. [ __ ] Roso's Grande Ice. Grande ice. Grande ice. Grande ice. Grande ice. Grande ice. What's that? $2.60 every time. >> Grande ice. >> Oh my. What is wrong with you guys? 66. cents in savings down from 11. Well. done. Yeah. [ __ ] [ __ ] from. pilot. Pilot. [ __ ] [ __ ] Oh my.

gosh. It continues, guys. What are we. doing? Zelon. Return payment fee. return. payment fee, club fee, El Paso, [ __ ] zeling out, zeling out, El. Paso, Simar Dez, something I don't know. And then what is this? 10,000 in this. savings. >> I used to be um cuz it went down from. 11,500. What is it down from 10. >> to four? >> Why? >> Because we've been using my savings, so. we didn't have credit card money. >> What? You You overm maxed out your.

credit cards. What do you mean? >> That's why. So now we're using my. savings. >> See, you guys my savings. Why do you. talk like this? See, you guys are. spending more than you make. You can't. say that you pay your bills and then the. rest goes to fund. No, you're. overspending. Shut. You guys are broken. You've gone from 11,500 down to 4,000 in. a couple months. You guys are headed. down to being completely destroyed. 44,000 in this retirement account, but. 4,000 of it is on a 401k loan, so about. 40. >> It was 30. Your savings account was 30.

>> Hey, the down payment came out of the. for the house. >> Yeah, but that was like 12. >> No, 14. >> Okay. So have. So you've lost 10,000 in savings by. overspending recently and look at your. [ __ ] spending. It was thousands upon. thousands upon. >> Yeah. And that's to pay taxes so I'm. [ __ ]. >> Huh? >> It's to pay taxes. It's my tax money. It's not even savings. >> Oh, you're draining your tax money for. [ __ ] fund spending. >> [ __ ] You guys are ruined. Good. The. [ __ ] luck. Did you guys file jointly or.

separately? >> We haven't filed. >> What are you going to do jointly or. separately? >> Well, what's recommended? you might be. worth separate. >> Yeah. >> I mean, how do I incorporate your income. into the house? How does like I'll round. you guys up to like 8,500 or something. as your income after you set aside money. for taxes? I don't even know. Maybe. 9,000. But let's see. Let's see if we. can do this. Obviously, we know your. mortgage is $2,560. 28. Okay. Minimum monthly debt payments.

$1,241.85. 85. And And what's your gas, electric, utilities, all that [ __ ] combined? How. much? >> Around 300. >> Okay. Phone bill. What was it again? >> 370. >> No, it wasn't. It was like four. >> That was just a one time because he got. a new device, which is so nice. >> Gas from Drive. Both of you combined. >> Gas. Um, >> me it's like $48 every two weeks. >> Mine is like. I want to say. 15. No.

200 a month. >> 280 a month. Car insurance is all. combined. >> 150. >> Food. 600. Meal prep, warming up, not going to. be exotic, not going to be fun. Use the. meal plan that comes in our debt class. in the mastery your money program. And. use the cookbook obviously if you need. to. TP fund anything else needed for. survive. This is makeup, toilet paper, anything, tampons, all that good stuff. $150. Medical healthcare. Are there. co-pays monthly basis?

>> No, >> nothing at all. No medications? >> No, it's free. >> Jim, >> um. >> $60 a month for both. Yeah, it's like. $60 for both. And then um I take Lree. and that's $200 a month. >> That's the fat injection. >> No, it's like Pilates but harder. >> So 260 a month. 200. Wait, what was. their gym? 40 60. Okay. So, 260. I mean, are you going?

>> Yeah, every day. I just started. >> Ah, that makes sense. $40 for. subscriptions. And you have pets? It's. going to be like $200 for pet insurance. cuz you got to be able to take care of. them if an emergency happens. How much. for pet food? >> I want to say. >> 300. >> Like 300 every month. >> Oh, >> they all eat different food. >> Yeah. Why? One has medicated food and. then the rest are allergic to chicken,

but the golden eats big kibble and then. >> and then there should be two pugs that. are the same at that point. >> But there's a pug puppy. >> So there's puppy food and then there's. regular. >> You guys have lifestyle inflated the. craziest. And you want to have kids me. Yeah. Even with this man, listen, even. if you don't even have income coming in, you have an extra thousand a month after. your necessities. That's it. a thousand. and I hope extra money comes in. Let's. say an extra 2,000 or an extra thousand. comes in on top of that after you set. money aside for taxes on average. Like.

it's going to be chunks here and there. and you're just going to have to hold. over. But you guys got to budget this. like crazy. Your bad debt, the repo card. should fall off soon. So, I'm going to. delete that. And the data, your. apartment debt, we'll let that fall off. as well. So, $59,899. of bad debt we have to take care of. and 90 divided by the $2,000 we can put. towards that on a monthly average. That. still takes. two and a half years. But that's fine.

That's fine cuz you're not even 30 yet. You'll just be getting about 30. >> Yeah, >> you you're still a couple years away at. that point. And being debtree at the. time, besides the mortgage, is great. And that leads you you can have a kid. until then as well. You have to budget. in a little for that obviously, but uh. you just got to bring in more money. Well [ __ ] you're going to want to stay. home. Okay, no. Hold off a kid for two. and a half years. Maybe. >> You don't have to, but it's going to. slow down things. And I want to set up. the kid for the best success. Okay. Two. and a half years to pay off debt and. call it another year to get a fully. funded six-month emergency fund. Three. and a half years. Then you're living 50, 30, 20. 50% needs 30% for wants, which.

will be a lot of money because you. should be making decent money. And 20%. and 30% can go to or 20% gets invested. because you got to start catching up on. your side. and you, you know, decent. foundation, actually pretty good. foundation, but you need to ramp it up. cuz in about 3 years, you should be at. 100,000 invested. You're not even. halfway there yet. So, that's where we. are. That's what we're doing. That's the. game plan, guys. >> You think we can afford a Alexis? Cuz. she wants. >> I don't care what she wants. >> Yeah. >> Dig a hole for yourself in the desert.

Lay in it, fill it up, and you'll be. free. Listen, we're going to bring in uh the. friend who applied for them in the post. show and she wants to confront Chad for. a bunch of [ __ ] Oh, okay. The drama's. going to be crazy in the post show, guys. Get ready. We're going to expose. some more things between them that we. couldn't talk about in the main show for. privacy reasons. Join us in the post. show. Let's get the hammer financial. score. Spending within a budget, your. respons. four four out of 10. Retirement 401k is. going to bring it down a little because.

that's called due. then you're going to. have to pay it gets. But even still, with the 40,000 you have outside of that. loan, uh I will give you a solid Well, yeah, but then it includes your income cuz. we're combined. So, it's actually going. to bring it down. I'm going to give you. guys a three out of 10 retirement cuz. you have nothing. Real estate equity. position, good interest rate, unfortunately, New Mexico, but I won't. hold that against you. Okay. Yeah. No, I'll give that a. 7 out of 10. It would be nice to see a.

little more equity, but we'll get that. in the years to come [music] cuz after. you sell and with all the fees and. commission everything, you'll still just. break even today. But hammer financial. score. that is going to be a woo three out of. 10. All right, join us in the post show. Three premium shows posted every single. day, 6 days a week. It's incredible. Best membership, number one on YouTube. for a reason. Come join us for an. amazing extra 20 minutes. See you there. He has an issue where people will ask.

him to borrow money and then those same. people will go on trips or go out in pop. bottles the day before after he already. sent them money and we're not in a. position to send people money. >> Wait, you guys are training savings. Why. the are you giving people money? >> It's family. It's family and friends and. like I feel your family. You guys are. >> No, I know my like. >> reason because of all this. >> What? >> What is because of that? >> No. No. Because of you. >> Because of me. Camera Elite is the best. YouTube membership on the platform, and. I just upgraded it. New dedicated.

premium shows every single day, Monday. through Friday. Join with the link in. the pinned comment or description below. This is the best [music] membership. you'll ever join, and that's a promise.