Childish Couple Won’t Stop Cheating On Each Other | Financial Audit

you best friend it was a threeome oh my. God no that's not what it was be. cheating again we'll see I'm not. surprised look where you are you're a. joke you're an embarrassment that's why. I'm here right you cheat on people. that's why you're here this is what I do. with but let's talk about the manager at. McDonald's she was hot I slept with my. maner oh my yeah you guys are. M guys like each. other download my new simpler budget app. today and take control of your money. once and for all my my name is Sierra.

I'm 31 and I am Jordan and I'm 24 and we. live in Addison Texas and this is. financial. audit hey thanks for coming down from. Addison a place I've never heard of but. that's okay uh let's start with you what. do you do for well first of all are we. married no we're working on it yeah oh. okay yeah I was like getting some Vibes. I was like wait are we married and I. didn't even know so I had to ask okay. when did we get engaged back in August. well the the end of August it was the.

29th so we're trying to get into this. marriage situation with you know good. Financial foothold I like that that's. good so when are we getting married. we're trying to do April 12th trying. yeah try what is. trying we kind of announced it and then. I kind of like took it back just because. we're not really sure what we want to do. but like for the wedding is that say. like I want to just go down to the court. I've been married before and I got. divorced you've been married before yeah. so I would rather you're 31 okay you've.

had a bit more time yeah well a bit more. time well then a 24y old yeah yeah I me. I'm almost 30 we we're in the same boat. listen I haven't gone through a divorce. or marriage in 30 so I I recomend it. well the divorce part the marriage is. fine the divorce wait when did you guys. get together uh it would be 3 years. we've been together in March mhm three. years okay when were you married uh see. that's like a blur cuz it wasn't a good. marriage so like it wasn't a good. marriage no um it was around 2017 when I.

had my son it's your son wait was it a. dude or a chick it was a dude oh you. were married to a guy yeah unfortunately. yeah unfortunately yeah okay clearly I. don't like men but we we realize the. helmet of the hood wasn't the way to go. okay that's fair Bas mhm all right well. hold okay well okay I'm curious about. that we'll dive into your guys'. backstory first I just let's start with. you Sierra what do you do for a living I. am a leasing manager okay for like an. apartment yeah for apartment what do you.

make um I just got a Race So $20 an hour. how many hours a week are we working 40. paay time off no okay so how many weeks. should we essentially what's your take. home on a monthly basis just normally um. around. 3100 okay 31 is this close to a major. Metro is this in a major Metro by Dallas. it's right by Dallas okay so the conso. of living's a little on the upper a. little for the Texas area but and what. do you do for a living uh I work at a. warehouse okay what do you what do you.

make currently right now um I'm. making1. 1750 okay how many hours uh 40 as well. all right what do you do with the. warehouse um it it depends on the day I. I either pick or I ship or I help do. coordinator stuff I'm kind of all over. the place okay so the mask one does. manual labor yeah okay this is a bit. racist guys I'll be honest but very good. what hits your account on a monthly. basis um that's a good question it is a.

good question huh yeah um how's that a. good question wait what do you mean and. then what are you saying what is that. she doesn't. know um you're going to get married with. someone who doesn't know their income do. you know her income you're getting. married you've been together for 3 years. yeah it's around like. 2,000 yeah that sounds about right how. do you not know um I kind of just you. know just hope for the best pay bills.

and what is the dynamic here I feel like. oh well we're gigglers okay that's fine. I get it for I have like budget. templates and I watch I try to keep up. with the budget and focus on finances. and know how much I have come in okay. and kind of plan my paycheck so I know. where it's going she just kind of I tell. her what I need and she gives it to me. if she can give it to me okay I see so. one person. financially educated wanting to do well. and the other what would you say um look.

I'm just taking off the training wheels. and learning how to why I don't know I. was just how long have you been making. money. um since I was 16 so what's going on why. is it taking why are you making off the. training wheels eight years later. um I just don't know how to use the. budget never looked up a YouTube video. no and that's okay honestly that's what. that's why we put together our budget. program because there's like a billion.

pieces of information out there it's. hard to weigh through it's actually. right you know everyone does it in a. different way okay so obviously go. through that class together so you guys. are on the same page are we on the same. page related to finances I mean you. could be an anchor in the relationship. depending if we're headed into the. marriage like. this are we on the same pages with at. least understanding our goals what our. finances are yeah we talk about our. goals and I sick to them I don't know. about her cuz we don't share bank. accounts so I really don't know ready. for marriage if we're okay okay that's.

why I said we're going to have a long. you already got a marriage end yeah. should we really be going into a. marriage. of doesn't sound like you guys already. at least from the financial. communication sake financials no that's. part of the reason too that's why we. don't have a joint bank account and I'm. not getting one until why she figures it. out I'm not going to how you going to. figure it out okay I need information. here describe what is happening well if. if I have a joint bank account all my.

money is in that account and I know what. needs to be in there and what's coming. out and she doesn't she could just like. spend too much and then we're like back. in the same predicament of not having. why aren't we sitting down and talking. about it then going through transactions. understanding where things are and then. deciding together where we want to be on. okay so what's the. issue I just have stuff that randomly. comes out stuff like what um what is the. stuff that randomly comes out so it's. either my Apple story.

or okay why is it not in the budget then. we can put it in the budget which we do. so she just never knows that's not. random stuff yeah so you never knows the. date well you do if you look if you guys. sit down we don't need to don't need a. rage only 5 minutes in. if if we are sitting down and looking at. our last month we would know the date if. we sit down and do it you say you sit. down and do it obviously not if we don't. know that what what do you mean I've. made her a calendar I've made her a noce. temp I've made her a Google Sheets.

template I made her a bunch of things. all right before we will not allow you. guys I mean legally we will but we will. not allow you guys to leave this place. until you guys download the simpler. budget app the one we created you guys. will create an account eventually we'll. have shared accounts but you guys will. create a single account under an email. you guys are going to start budgeting. this and seeing what your household. looks like okay and you guys get. obviously the premium version for free. forever as guest so make sure you go. through all the education automatic.

account connections all that good stuff. work with the financial professionals. that are in there do all the good stuff. you don't leave until you do that if we. can't even sit down and random stuff. what's random stuff you would see that. in this why have you never just used the. budgeting app you would see it you would. see it would tell you it would tell. you well no answer for that why haven't. you put in a step just an effort it. sounds like your fiance has built out.

has built out templates for you to use. have built out resources for you to use. why have you never. tried um I feel like my issue is either. I'm just lazy or I just. don't what like not you saying lazy you. just I just think it's because how she. grew up a little bit like my I was my. mom was a single mom it was just me. luckily for her versus multiple kids but. it was just me and her and she figured. it out so I kind of all the struggle but.

she came from like a two parent. household in a nice house they have a. business I think they're good with money. and they would always go on vacations to. Vegas and here and there and she would. just she spent like 80 bucks on a pair. of pants in Vegas and she was okay with. that so I just think her lifestyle was. it in the budget again if we budgeted. this was back when she was with her. parents do you have all this debt cuz. there's a lot of debt here and there's. lots of stupid debt like almost like. micro little pay day loans is this just. you no uh oh then what the who what what. kind of moral High horse are you on 31.

if you have this kind of debt this none. of this is good debt this is all few. destructive end of the world debt. so what are we talking about here why. why are you positioning yourself as this. moral figure head because I'm older and. plus all her debt is stupid you being. older and having stupid debt be even. worse than someone young figuring out. for the first time in having stupid debt. no cuz some of my debt has come from her. since we've been together waa okay like.

what what does that mean we're not okay. what why do you not think so um cuz she. decides to use all these. apps and she uses earning she uses and. you put your stuff on that high horse. you're using earn I can pay my rent she. cannot cover her rent I'm borrowing. money to cover bills earning like every. app our is not cheap our rent is not. cheap rent it's 50 that is not cheap so.

when we split it it's we have to have it. split that was the conversation we had. before we moved cuz in New York it was a. lot cheaper it was 10:25 and we were in. a town home I was able to afford. everything by myself New York you guys. were in when did you guys come down to. Dallas um about two years ago why so my. ex-husband was stationed in New York. this and then when we got. divorced to have stemmed from this um. okay tell me that situation let me get a. little Caleb Springer in here let let's. tell him so we were oh okay well now.

okay well now you're making it sound. like this is actually all right let's we. were we met here we went to high school. together I had um my daughter the her. father disappeared how old's your kid uh. 10 and seven two kids yep she got two. what she got two you don't consider them. yours yeah I you're not married yet but. okay anyway so we were there he got Jo. wanted to join the military randomly I. supported him so then we got stationed. in New York we were in New York we were. in we were married everything was decent.

I guess and. then I'm was working at McDonald's. and you got divorced cuz you're working. at McDonald's I'm a little yeah but. let's talk about the manager at. McDonald's so the man the manager at. McDonald's was um a. woman she was very she was hot I slept. with my. manager well you were with your husband. he gave me permission he gave me Mission.

what does that look like I just asked. you said can I my boss and he said yes. basically in so many terms yes because. did he say he literally just said yes to. what what did you ask him well I asked. him if I could kiss her well what is. that going to lead to we're adults you. didn't ask him if you could same. thing it's no it's not it's. kissing what is kissing lead to what is. come on what is kissing Le to two. separate things yeah but you asked to. kiss you didn't ask the I don't know I. don't think well then I asked to say the. night he said yes to that too so like.

kissing doesn't equal anal I don't know. like they're not on the same Spectrum. well then I asked to say the night and. he said yes but I was struggling with my. sexuality my mom was a little homophobic. for a little bit and I wanted to just I. thought I had to be with men I mean I. was living with my mom she was was my. mom had two kids with this guy and you. cheated on two I separate baby daddies. who the where the who's the other dude I. got pregnant at 19 After High School. with another person yes this was not the. husband not the husband. oh my gosh and he we were actually.

really good he named her he was there. for her and everything but he just got. scared and skipped out is he oh yeah. basically you get child support nope. nope why he's working under the table so. I haven't gotten anything you haven't. tried to pursue I have yeah and I. haven't got anything back yet but he was. he's I think in jail right now so I'm. yeah it's a good way to get him you. tried to make him sound like he's a good. person uh he's in jail when it comes to. his daughter yes why is he in jail I. don't know um he's dumb you don't know. what your baby daddy okay no cuz so you.

cheated on a man so when was the divorce. why why was the divorce well it was. because with a McDonald's manager and I. talk about like Mickey's I talk up to. MCD nothing wrong going and dropping. some fries for a bit it's actually you. know relatively decent benefits as well. if you're willing to kind of stick it. out I was working there and I liked it. it was but sleeping with your manager. and Mickey D's what are we doing hey she. I guess she wanted the pay. race I got it to the top just because.

I'm a good worker don't even okay I. don't think your fiance believes this. cuz you went from just being regular to. being well at least you know he's not. still calling like yours is. anyways you had a man as well no it it's. my. exgirlfriend she calls me on no color ID. Still Still Still did you cheat on her. too. yeah actually.

yeah but. look this ising insane guys what are we. doing for t look she did it first for T. CLP for. yeah so she did it so I was going to do. it back but then it got to the point. that. she my best friend who was a man who was. a man and then then they both lied about. yeah who she was friends. with yeah yeah what is legitimately what. is wrong with you guys like a little I. mean it's okay we having fun digging.

through a little bit of tea but what the. cheating's like the most disgusting. thing business owners you're making. money but do you actually know where. it's going if you're consistently. scrambling to cover payroll taxes and. expenses time to clean up your cash flow. with today's sponsor relay relay is a. business banking account and money. management platform that puts you in. total control of your business finances. and the best part there are no monthly. fees or minimum balances just a simple. way to stay on top of your money without. the chaos and here's how it works with.

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you are pieces of cheating's. disgusting never once even like. considered that I just don't get it and. well you have a kid with him yeah and. it's Revenge cheating what the are we. guys so how the how in what world are. you guys confident going in this. marriage together that there isn't going. to be. another woman in each other's arms some. random day you guys are both cheaters. how can we trust each other no we don't. have combined accounts we can't trust.

each other in a. single I don't know you guys are kind of. gross come on how can you guys trust. each other can you it's different with. us how yeah go on you had a kid with. it's a different relationship go on I. was just dealing with a lot of things. but we did try to work it out you will. deal with things you're 31 there's many. decades to deal with things well we were. I was younger it was like Hey I'm going. to let you guys know. lesbian couples marriage highest divorce.

rate in the nation never knew that I. don't care that you all already has the. keys in the ignition that's not like. everybody though huh that's not. everybody there's like successful. marriages yes there are but the highest. rate on Tik Tok yeah Tik Tok YouTube. there's like the couples what the. so how is. that how you're 31 dude how are you. basing successful marriages off of there. are some people together on Tik Tok see. it though it's not like everybody a lot.

people meet on TI military marriages and. a divorce all the time lit met on Tik. Tok you guys met on Tik Tok yeah yeah. how does that even happen look I. one of my videos went on her for you. page and which you guys won't know cuz. we do not allow people to plug their. here this is not a clout Chase and and. then she started blowing up my Tik Tok. cuzz I started getting a lot of. following and then from there I I dm'd. her and then I basically went to go. visit her one time who did you cheat on.

to go visit her nobody then did you. actually I'm just a little nervous. headed into this marriage I want to have. this financial conversation how to get. out of debt how we should prepare for. this marriage. but I mean would it surprise you if. after this 18 minutes that we've been. talking or whatever that through the. language and conversation we've had I. have zero confidence that you guys are. going to be together for twice as long. as you've been together. now zero. hey you've had two kids with different.

dudes and have cheated on one of them. you've cheated on another what are we. doing rolling the dice and then you say. it's different why is it different. because some people have successful. marriages on Tik Tok was your last. relationship on Tik Tok yeah it was. there you fcking go are you kidding me. so clearly that doesn't work yeah we. were viral like I was on Facebook. YouTube everything because of our TI to. what you and the dude no me the manager. from McDonald oh my yeah you guys are M.

IED a video and we got views messy I. mean it can get even Messier because she. dmed actually her and my ex-husband and. my best friend the manager of the. McDonald's yeah she dmed all of them but. it's okay I got I I made four different. Tik toks and got her account blocked and. removed from Tik Tok What it still had. my name in one of her videos yeah that's. why I got it removed yeah okay it was a. good sip of tea and it honestly lays of. strict Foundation well a.

very well understood Foundation of why. we're in this mess now. I'm not surprised anymore that's. good you don't want your marriage to be. successful no I do what the are you. giggling about I'm just a I just laugh a. lot I I really don't take much seriously. if you can't good like your relationship. that we're trying to turn into a. successful lifetime marriage. yeah why would we take something like.

that seriously why would we take our. finances seriously if it's going to hold. us back in every instance in life why. would we take our career seriously or do. you want to level out at $17 an hour for. the rest of your life no I I want to. well that's what's going to happen for. people who don't take things seriously. people who don't take things seriously. never grow I don't know what the. you're talking about looks like you. haven't grown past 4. fo8 4 fo8 there's going to be no growth. in your life with the kind of mindset. you're on be cheating again we'll see. but not the cheating. part honestly I would not be surprised.

let's be honest okay let's. jump these finances I want to hear self. assess where you think you are before we. dive into into the money I'm going to go. 3 2 1 go on go I want you guys at the. same time to give me your perceived. Financial score for the household both. of you combined because we're headed. into this combined okay okay three two. one one one. that was not at the same time close.

enough right she just goes with like. everything. yeah except for financial discipline not. that you have it you use little micro. payday loans what are you talking about. again because of her that doesn't make. sense how would it be her fault because. she doesn't have her half of the rent I. make enough to afford we split rent down. the middle and then you don't don't you. feel bad that that the person then why. don't you fix it that's why I use those. apps that's not fixing it that's getting. in an cycle a repeating cycle a cycle.

that does not stop it will stop. eventually right no it. do I mean you know no right did she not. know that it she actively not know CU. I'm stuck in a cycle but she doesn't. eventually I want to delete the apps you. want to delete the apps but you have to. pay them off and you borrow to pay them. off and you're just endlessly trying to. fill them and take them out fill them to. take it out because the money you're. going to put towards rent has to go to. paying those and then you have to take. it back out in order to pay for rent how. does that that Mak sense whatever it's a.

fun. game okay what am I dealing with here. cuz I want to actually have like a real. conversation but I feel like she's this. is what I deal with we'll sit down and. have these conversations and then this. is what I deal with it's not funny it's. not. cute. okay why is it not. cute is this like her actual personality. I want to make sure before I continue. this conversation cuz it is I would not. complain if if you hit her right now I.

don't do violence it's like a. stereotypical thing un verbally hit. really is it it is I me I was mostly. joking but I didn't know yeah it is okay. yeah no you're being annoying you're. being a little prick yeah it's not funny. to act you're going to be okay okay to. actually. listen and actually take it seriously. stop being a little brat why would you. not take it seriously are you getting in. that moment where you're getting a. little bit of push back in your. personality so you fall even further. onto it and dig your hole into the.

ground and make no progress in life I'm. not surprised look where you are you're. a joke you're an embarrassment you're. the failure of this relationship you're. the anchor you don't allow her to be. able to pay rent and you take out little. micro payday loans to do it that's why. I'm here right you cheat on people. that's why you're here you think I'm. going to do anything no you're a joke. and if you continue to act like this. conversation is a joke you'll be a joke. throughout your entire life and you'll. never be looked like a respected. individual ever by anyone and if you. want that for the other half go ahead.

and do it everyone will look down you. for the rest of your. life so what hits your account on a. monthly basis again remind me we didn't. decide but I do need to be able to. mathematically figure that out when I. calculated it was about 2,000 yeah it's. about two grand so how we feel living on. about 5,100 net on a monthly bases I. mean if we had that in full without. these apps I think we'd be somewhat okay. what do the apps what are we behind on. what's the number that we owee to just.

get it back to zero um I don't know the. exact total but earning I owe almost. 500 uh Bridget is. 71 okay that's more manageable but still. I there one other app possible you have. three I have quite a few how many do you. have then I have impossible and cash app. cash app is. $321 and it's O uh it it was supposed to. be paid on the forever go 31st of.

December no yeah yeah that's almost a. full month now where why and they are. charging interest now so why why hasn't. it been paid don't have the money you. don't not make money though what do you. mean why has it legitimately not been. paid what is going on $482 going out to. eat what about your car um so I made a. decision that wasn't without me with on. her own so she basically told me to go. get a car that was in my price range M.

which would be what range it it it was. only my car payment was supposed to be. from $2 to $300 and my car payment is I. said around three to like four would be. reasonable for you but to. four a j. $569 a month and uh the car is. a224 Volkswagen tuls is not in my name. it doesn't have any interest though so. that's it doesn't have any interest yeah.

what do you mean is it least yeah I and. baked in dude it's 32 Grand baked into. the lease that's what she didn't know. you think they're not making any money. you think they're just providing a nice. little service for. you in a way who went behind who's back. someone said someone went behind who's. back for the car you went behind her. back she wanted me to go get this other. car I found a toyot sign on it no I just. helped her I was trying to help her find. a car that would might be in her price. range I found a Toyota for 18 Grand.

price range you're looking at the. monthly payment not the overall price of. the vehicle or how much you'd pay over. the time CU you're still not going to. end up with anything in the end you're. either going to have to release or take. out a loan to pay out the the rest of it. like it's not like you keep something in. the end here your lease has an end and. then you're back to where you were yeah. and none of the money did anything to. help you and we were trying to help her. credit that's why I wanted her to get it. in her name credit we're getting a bad. expensive car that we can't afford yeah. to build credit okay yeah miscellaneous.

$89 a month what do you mean. you can't pay off cash app um we talking. about so right now she gets paid well. she wasn't working for a little bit we. were having when did you get a job uh. about three months ago okay well well. congratulations December get hired on um. and then my pay will go up a little bit. more two um 18 okay 50 good always seek. after the race is good I'm sure we'll. get to that car in here at some point if.

you guys want to see where your. financial score is how you uh stand up. to the system that I care about here you. can go to the link in the description. below the hammer Financial score quiz. it's free it's fun check it out and if. you want to come on this show uh feel. free to come on I'll give you some. verbal punches but we'll connect you. with a lot of resources I hope to give. you a better place and you can join the. uh U hundreds of people that have paid. off $10,000 in 10 months in the median. you you guys can do that too and maybe. if your other half takes it seriously.

and stuff it's acting like a whiny. little brat you go to Caleb hammer.com. apply for that Capital. One I'm who has the capital one that's. hers all Capital One is me your moral. high horse you're moral high horse you. talk a game and you do not live up to it. in any way whatsoever it's late it's. late wait what are you looking at the. Capital One it's. I have a bank account and debit cards.

and credit cards what do you which. one pass do the C One credit card what. do you think we're talking about debt. well there's two of them but I know why. do do you get to think you get to sit up. there H and be the good one with. finances say that oh I budget I try to. set her up with budgeting I try to help. her all this stuff you you're late a $25. payment you're lay on $25 payment you. you don't get to sit on any horse. no what what is this moral superiority.

that you have there is none you're. late I can't think I don't know if I've. ever been late on a credit card payment. and there's no reason for you to be it's. $25 I know you could do that what's your. thoughts on this come on she stands over. you and she's like I'm better with money. let me help you and then she's late on a. fing minimal credit card I feel like it. should have already been paid but she I. feel like your rent should be paid too. but I mean hopefully it gets paid this. month. hopefully your rent gets paid this month.

it's not you're taking that as a joke. too paying your rent anding over your. fiance in a way yeah you're an. upstanding person aren't you why the are. you guys together she's a piece. of I think I have like bad taste. clearly I'm not. joking are. you huh I don't know you cheat on. everyone so it was one time. yeah that's all it takes to be a cheater.

what the are you what are you I would. never get with someone who's cheated so. if you're applying to be my wife sorry. no cheaters is allowed well that was. before when he asked me to marry him huh. he asked you to marry him and then you. cheated yeah it was after but I was. struggling with my sexuality then you. have a conversation about that I but. you're also getting married if you're. having yeah cuz he's getting married to. you whether the person I'm getting. married to wants the. any living thing I would rather them.

only me cuz it's monogamy well he was. open to like other options just not the. manager then why did you guys get. divorced because I just wanted to be. with a woman it just wasn't so you. divorced him yeah you had a kid with him. and then did you go did you guys get. married yeah we were married we had to. for the military you know the benefits. and the extra money yeah joke what a. joke normal $25 minimum payment but of. course it's 57 right now with the fees. and both that because yep $25 fee cuz. we're late $519 of Interest we're.

purchasing on a card that we're not. evening paying that we're late on are we. kidding me come on. $58.32 of purchases and what again your. little high horse congratulations good. job you're purchasing on a car that. you're not putting aing minimum monthly. payment to who what are you what are you. talking about I got to survive I. McDonald's you going paying the old pair. oh yeah little visit McDonald's yeah. you're getting up there right up in her. I mean I have to eat yeah groceries we.

could always get groceries but you. always want to get door Dash I thought. you meant your ex's. puss always going back to. McDonald's I took a break for a while. yeah for like a few days wait on. cheating or just strict actually. McDonald's the McDonald's okay well you. went to McDonald's it's right there and. yeah we literally went today too then a. return. payment a return huh huh no huh no what'. you say what' you say um I was just.

asking if cuz we literally went to. McDonald's before we came here and and I. was just seeing how' you guys pay for. that H with one of her cards I think it. was one of her credit cards but I'm not. she's not clarifying if it was or not so. so you don't have enough money in your. checking account to pay for this cuz it. got bounced yeah no and it's on autopay. so the budgeter I forget the financial. professional. I didn't say I was great at it I try no.

you're not people who don't people who. try don't have zero dollars in their. don't have less than $25 in a checking. account you don't try and have less than. $25 in a checking account in your. position some people yes there's. situations outside of our control come. on you guys make. enough all right guys this is super. exciting for this financial audit. Channel I got big news for you today for. the rest of this month if you join our. YouTube membership at the elite level or. upgrade from Pro to Elite I'm going to.

pay for it I am going to directly. reimburse you for the $5 for upgrading. or $10 if you join now it's essentially. like a free trial except since it. doesn't offer it I'm going to pay for it. for you all you have to do is follow the. instructions that I'm going to post in. the membership area send us that proof. and I'm going to send you the money and. boom boom you joined hammerite for free. yes seriously guys there's thousands of. hours of extra content there you got two. exclusive remember audits a month the. ability to call into our new live show.

which is also two a month you just broke. Lindsay's heart no that's not true. honestly Ashley that's Lindsay for you. weekly live streams so Caleb what's your. social security number c I'm doing it. 38 that is definitely get on your. shirt three. two the what the and every single. Financial audit post show plus member. weekly videos it's crazy how much we. have going on well I got so drunk I.

kissed a grandma in Spain without with. only partial consent and then I ran off. plus it really helps support this. channel so let me pay for it for a month. so you have the opportunity to check it. out make sure you click the link in the. description below or the pin comment. below and I'll see you guys there and. again make sure it's the middle tier. Hammer Elite so that I pay for it this. offer expires at the end of the month. your rent's a bit expensive absolutely I. mean it almost eats your entire rent if. it was just on you if one of you leave. you're I don't know what's happening and.

we know you guys love to so well I work. there so I get a discount so technically. so that expensive one is post discount. yeah it's actually 2067 without oh. you're doing so. well so they 29.74 per interest. rate. great who's like sniffy nail polish. remover what's happening. you smell that no no credit one who has.

Credit One. me. again you it's Credit One it's the. bottom of theing barrel if you have. credit one you're the worst of the worst. of the worst of the worst after the fact. you mean I mean a credit card came in. the mail and you accepted it no I. actually applied for it you applied for. this yeah then my boss my old boss was. like yeah you shouldn't have credit one. cuz she has it and she hates it but it's. too late now what old boss my old. leasing my old leasing job yeah not that.

one also I don't know at this. point $. 3821 balance on a credit it's $8 over. the credit limit what are we doing what. are we doing you're a joke too you're a. joke too you just put on a facade just. put on maybe we are perfect for each. other we're just going to end up. homeless so you guys are headed no. chance for retirement. here normally I recommend the Fizz card. for guests CU it doesn't allow you to. spend money that's not your checking. account but you still build credit but.

you'd never have enough money in your. checking account I'd be nervous if you. having. anything I don't I don't know $12.50 of. purchases C that we went over on with. fees in interest of crewing this is a. joke why would you spend on here you. pushed over the credit limit why would. you spend on here the last purchase was. for my daughter she wanted to go to the. skating rink how often do you have each. of the kids it's a week on week off for. both mhm okay yeah cuz he's here right. mhm yeah he lives in Arlington wait who.

who gets the other kid with for a week. with so he adopted my daughter so. legally they're just basically they're. both his oh okay I do like them being. together that's kind of nice yeah she's. always looking at for yeah good huh who. she's always looking after him my. daughter yeah she yeah okay yeah roller. rink I I get that and Disney plus okay I. get wanting to do that for the kid yeah. the could you put it on a card that's. going over that is always a interest in. fees I think when I signed up it was.

with that card and I meant to use my. checking account and thought it was on. her regular card so so skating rink. subscription no no not the skating rink. the Disney plus I'm talking about theing. skating rink you went there and you. pulled out this card and you used it I. literally had nothing and she really. wanted to go you don't get to do that. you have to tell her no it was her. friends from her I don't give a f you. know I don't give a who gives a. you're not ever going to be able to do. anything for her if you don't have any. money and and you don't have any money. now you're negative here what are you.

doing no we don't do that who's my. daughter I know it's your daughter and. you're fing her over can't say no to. your kid yes you can that's what adults. do what the are you talking about on. skating that's the thing we can't say no. to what the is she talking about. here her daughter is bougie okay like. bougie she's living in poverty and. credit card debt she's there is no bgge. here. there's needles in a back alley that's. where this is heading my daughter never. sees her actual friends in the. Louisville area so I took her there is.

that cuz he lives in Arlington he pulled. them out of a whole entire different. school and she really want to see her. friends that she never gets to see were. they going to this ice rink yeah yes. they were going to the ice it was like a. whole thing for her school you didn't. have $111 to your name that's how bad we. are yeah that part is the biggest joke. yeah you allowed yourself to get there. you could spoil your kids but again all. the spending is ridiculous the you're. allowing yourself to get into is. ridiculous you not being able to step up.

and take care of your portion of the. rent putting her in a worst financial. position is also hurting the people that. you consider to be your kids as well. you're just hurting everyone total fees. charged last year $231 $87 of Interest. 28.4 n% interest rate on these credit. cards on this credit card takes a year. to pay off just doing the minimum the. payment for only. $38 crazy dude that's without purchasing. guess what you always purchase you have. a subscription on here I have a couple. of subscriptions great yeah maybe we.

cancel them cuz we can't afford to. literally live if you can't afford to. live and pay rent without having to take. out micro little payday loans we don't. have subscriptions we don't have fun. that's not something that's a luxury. you're not entitled to that you are not. entitled to anything I want you to have. it all you're not entitled to it though. you're really not I know but some of. them are for my kids too I get that but. the roof over your head is for your. kids I mean I do work in the leasing. office I know doesn't mean they won't. evict you true if you're behind. enough you're playing with fire here man.

I've never been late on my rent though. you're borrowing micro payday loans it's. only a matter of time you didn't have. $11 to go to a skating rink the are you. talking about you are literally there. you're probably here is a last resort. that's what a lot of people do you are. on that edge you are going to be. drowning before you know it you have. like the last chance to turn it around I. have a couple of options what I can. always just downgrade my apartment. yes I would highly recommend that. immediately go on what's next doesn't.

mean you still won't miss rent I have a. feeling you're going to feel like you. have extra money so you go blow it all. or else you wouldn't be in this position. anyway to begin with let's be honest go. on well if I number two I just haven't. downsized yet number two what's the next. option go ahead well my tax returns. coming up okay well that's a joke I. could pay off things listen you could. have paid it off last year and this is. where we are today so you're either. going to spend it or you pay it off with. your tax return without changing your. behavior and then you build it up every. yearing CLE huh my tax return last year. went to bills and what's going to say. it's not going to go to bills this.

time no idea exactly and why haven't you. done say yet what were you going to say. well I have a two-bedroom right now I. don't know if it's a good idea to go to. a one-bedroom just honestly probably. absolutely sucks absolutely sucks but. guess what you literally cannot afford a. single thing in your entire life and it. also hurt another issue is we've been. together and she's had six different. couches. and we've only been together yeah six.

theck are we talking about. couches six what are we talking about. wait okay cuz cuz she watches Tik Tok. and then once you don't buy couches off. ofing Tik Tok and and then she's like oh. I want to be like this tick tocker so. I'm going to get their couch because you. had one video go. viral I was trying to be influencer but. I it so you buy couches y that's how we. become influencers guys. hey the only reason our YouTube channel. is successful cuz I bought a couch why I.

was sh like my house stuff you know like. to get ready with me and like the house. tell me now yeah she's big on Vlogs well. she was supposed to go half on a couple. lows with me and she never did you would. 2016 all right so six cches over the. course of how long is this an ongoing. thing are we still buying new couches no. I finally told her that this is the last. so you had to have her tell you that's. how bad it is come on we agreed on that.

at least but yeah but she actually was. looking at getting another one and I had. to shut it down cuz it's really. uncomfortable I got it off Amazon. what un have you seen how bad she is and. how she talks about her finances you had. to rely on oranges the New Black over. here to tell you that not getting a. couch every few months is bad like you. guys are made for each other I was. impulse buying a little bit well yeah no. no one buys six couches if they're not. impulse buying well I did sell the couch.

they so me money you did not make a. profit End Cycle one of them I did make. a profit the yeah the others no well one. out of six is not a great track record. I'll be honest if we're talking about a. business story of my. life okay. what nothing. H so we're probably like halfway into.

this conversation right now what are you. guys thinking because I'm thinking. there's nothing no future for you both. you're. cheaters you never commit to anything. you don't know how to you're not. disciplined one of you treats Life as a. joke one treats them Life as a moral. superiority yet are both equally as bad. in the actions what are you guys. thinking so far because so far not a lot. of Hope on the side of the the table. I'll be honest There's Hope over here. why I need to get together I have kids.

you need to that is not hope you've. needed to and you haven't one is 10 that. is 10 years to get together you have not. you chose fry vagina over the kid you. chose like I mean come on you know fry. vagina yes so you've had 10 years to get. it together you haven't what was I till. 19 it definitely didn't have a good. footing there what do you mean. everyone's 19 when or 19 are you me I. pregnant at 19 living with my parents I.

didn't even have my license or anything. you lived with your parents it's a lot. better than a lot of other people that. get pregnant well yeah I know I just I. my parents weren't really well at least. my mom I think my dad's good with money. but we're not that close no one's. parents are good with money is this. excuse Central do we never take. ownership for our own actions over the. last decade I'm taking ownership but. really cuz I'm you act like you're the. morals neither did mine neither did hers. I bet neither did theirs I bet they. tried neither did most of the people out. here yeah neither did most of the people.

out in the audience congratulations. you're not unique in that that is a part. of our culture most people are stupid. with money people have credit card debt. people are bad at retirement average. person can afford a 5,000 e. emergency I did you want to cry a little. bit more about that are you a victim. forever or are you going to take control. because congratulations it's been 13. years since. adulthood you've done nothing in that. that entire time do I expect Perfection. at 19 no no one ever said that I'm not.

saying that we don't even allow people. to come on the show at that age anymore. it's just cuz there's no expectation of. perfection there you're learning you're. figuring things out you fall you get. yourself back up you've had 13 years to. do it what have you done in 13 years. nothing except get worse no I only see. fall where's the backup you're over on a. Credit One card the worst credit card. you can get pretty much feeling buried. under credit card bills personal loans. or medical debt it's like you're money. is working harder for your lenders than. it is for you but it doesn't have to be.

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pay off your debt faster and start. putting money back where it belongs in. your savings account for me debt was. holding back my entire life and honestly. if I used something like PDS I could. have sped up the entire process and that. could be a good option for you in this. audience and getting started is easy go. to PDS de.com Hammer to complete your. free debt assessment to see what options. are available to you every day you wait. it's costing you more money get started. with your free debt analysis in just 30.

seconds at PDS debt.com Hammer that's. PDS debt.com Hammer Take Back Control. today by visiting PDS de.com. Slammer I don't see the backup well. we're not we're talking about recent not. my whole life story yeah it's led to. right now so this is where your life is. currently led to in the present moment. well at one point I did have an. emergency congratulations at one point I. was a complete piece of had a lot. of debt does that mean that that's what. defines me what's happening right now in. my life is what defines.

me what's happening right now is what. defines you not what you. were. MH and what do you think so far let's. hear what this cp's going to. be I think that. hopefully hopefully after this talk I'll. be able to finally get my finances. together and what's this talk going to. do for you in order to do that um. hopefully it's a wakeup call and yeah. helps me actually have motivation to.

want to use budgets and want to not be. so stupid with my money spend money. on my. games um games yeah is that the $900 of. miscellaneous because that's. what fits in that category oh yeah I. have an addiction to a game called. fortnite and I have a game called. fortnite yes no one's ever heard of that. yeah um not that old um so I have the.

crew the fortnite crew which is $12 a. month what are you getting are you. getting all the Skins Mrs Incredible is. my favorite one yes. yes no so it basically lets you have the. battle pass the music pass the OG pass. and whatever passes all together but I. also like to go in the item shop and get. cars get skin. get emotes you know and this is more. important than paying.

rent how much is all that a mon. sometimes sometimes I mean obviously. that's just you trying to be a silly. little Goose cuz you take nothing. seriously in your joke on this planet. but go ahead how much does it all add up. to on a monthly basis. um last time I checked it was two what a. two to three cuz cuz I also get it for. the kids to what two to three what. that's 15% of your net income that's a.

joke to fortnite you you spent 2 to 300. on video games yeah sometimes when when. the Skins are good and the you spent two. to 300 on video games but you're harping. on me about a couch that we use every. day but you're spending money on video. games six couches it's six mine is just. one game how often are you doing this. cuz we have game night all time a month. um a month yeah but but I'm you know. eventually I'm going to stop but when. eventually not why did you just look. into the camera for that why' you just.

say eventually I'm going to stop like. this um cuz that mean I look away when. I'm trying to well stop looking at the. camera it's weird it makes people feel. weird out there okay I'll try that's not. funny I'll kick you off I have no. problem kicking people off well look. there there's a nice car in fortnite. that I had to get it and and then they. had this skin do it for the kids yeah. but you would rather them have that than.

a roof over their head good job what a. future Stellar mother you're going to be. Emerald Advance Loan what's this for oh. yeah that is from8 pass St um so. basically they let me borrow uh they. they give you this card and uh you can. borrow money before you get your taxes. it's your tax return money you get it. before yes and and basically they G uh. the lady messed up and gave me two so. when I did get my. tax just spend it all if you got too.

much did you know it was too much no and. so when I got my taxes it it wasn't. wasn't even close to that amount cuz I I. used to have a problem with having job. to job to job yeah surprised I mean. you've only been at yours for three. months. shocker look how I'm trying to stay here. you know you're trying I'll gift you a. course career certification they have. trade ones now like project management. for construction maybe that'll be good. for you I don't know construction I. don't no no but take the free take the. free quiz and we'll give you a.

certification okay go on go go what the. you haven't paid this in uh almost a. year for why um $640 something you to. you two months of your fortnite. stupidness come on what a child oh what. a kid I'm just hoping that when it comes. to my taxes I can just pay it off with. my tax return you going borrow. preemptively for these taxes this year. uh not going to try what is try not.

going to try um she has this does she. have this annoying little smirk after. everything when she knows she's like in. the wrong yeah okay that's so weird cuz. it also comes across as almost like fake. it's so weird it's just like control. your woman like can you you just fix. your face okay just I don't think it's. possible it's naturally like. this okay so you're not going to try. what the does that mean so she got the. Advance cuz she's horrible at telling. stories she got the advance last year. cuz we were behind rude and I we were.

behind something so this wasn't even. just to get the taxes early because it. like prompted up at the end of fining on. a site you specifically when I got my. tax return we were behind on rent and a. couple other things how much was your. tax damn return child tax credits and. whatnot uh mine was like 4K huh huh it. all went towards bills yeah yeah I'm. sure I bet so what back me up it did. yeah yeah it did mhm and then hers same. thing I see your bills come on guys shut. the.

up okay what was the minimal payment on. here um honestly I don't even. know did you ever call them like I said. um I was supposed to call. them when were you supposed to uh during. work but um during work I'm asking when. not what period of the day it was I was. supposed to call them. about 3 weeks ago just to see if I could.

pay it with my tax return but haven't. discussed that with. them well it hasn't gone to collections. yet as far as I know so yes pay. that why would your tax returns be. substantial though unless you're giving. too much out of the gate like what you. don't qualify for anything you don't. have any legal do you have any children. no. okay US Bank what's this um so credit. card when I first moved to New York with. her um it's internal collections.

currently yes um. basically um when I moved out there we. kind of went on a Splurge wait from. where where did you go from Oregon oh my. gosh okay and Hey listen if anyone wants. to move across the country from me. my yeah so k.com. fans and so basically I I moved well I. was only supposed to visit her and be. there for 3 days and then I just never. left. you guys are soing lesbian yeah youha we.

definitely fit that category there um. but. basically I basically spent I don't know. how long it took us to spend the whole. card but together yeah we went on a. Splurge I can't remember what we got how. long ago was this she was just visiting. me so I so I was trying to just spoil. her and oh so you she didn't know that. you were racking up a credit card right. yeah basically and then what did you do. for work at the time um I it was still. Warehouse it was still Warehouse PA. better yeah they paid better a little.

bit well the cost of living is different. as well so yeah mhm and then I was also. living with my parents so stuff was a. little bit cheaper back then for me then. why'd you not pay this off well you. didn't go back so so my issue was yeah. really moved in after three fing days. yeah that is wild and that is wild well. to be fair at first her flight got. delayed they messed up they were trying. to get her to go to South Dakota yeah. instead of Oregon which was weird they. they basically wanted me to instead of. getting picked up in New York they.

thought I was in South Dakota yeah you. guys met on Tik Tok and flew across the. damn country yeah it was a 9h hour. flight we were only talking for like a. month and a half was not a 9h hour. flight you must have had a layout yeah I. did okay but um and so I basically tried. to call them cuz US Bank is not in New. York there there wasn't anyone nearby. that was like the closest one was like I. think it was 6 hours away in New York. and shortly after I was trying to figure. out how to pay that card um her bank.

account something and then someone. hacked that account so I wasn't able to. get back in there and yeah that is um. pass to as well well it was the whole. thing with the bank they thought she was. like some threat from like Mexico or. something like uh yeah they basically. thought I was a terrorist trying to get. back into my own account yeah it was. crazy are you Mexican no I was going to. say you're pretty. pale it's okay you can go you can yeah I. guess I need to go tanning now no that's. not what I meant let's add that no keep. your skin young but it was like a whole.

thing and then she couldn't like pay. them they were like go you have to go in. and she couldn't go in no yeah they. basically wanted me to go in and verify. myself but yeah that is I see some. numbers on here it's very blurry so. they're telling me okay it looks like. there is a settlement amount so you owed. 723 but there's a settle amount of 253. to pay it off completely yes well her. parents didn't mail that in time so. that's actually dated from September of. last year so not even sure if still. going to be valid and I don't did you. call let at least act as it is no of.

course she didn't no she's never done a. single adult thing in her. life actually you probably I mean you. never grew up did you you lived. at home until you moved in with her and. mooched off of her so like I I was with. my ex I lived with her Mo off your ex. okay so Mo off ex Mo off parents Mo off. her no she actually no I basically I. basically had to be her sugar mama and. basically pay for everything for my ex. cuz she how much up for that then um.

exactly I I don't even know the number. but Ford Fusion this is the. lease that's my car that you're okay no. no this is my vehicle her you but you. were complaining about hers and you have. this shut the up it's at 13.25%. interest rate I got in a car you have no. moral superiority in this conversation I. got a does she pull that in. conversations often acting like a moral. Superior. yes most definitely you can't do that. you guys are on the same playing field.

what's. the you do that you've done that in this. conversation well why do you think fair. whatever fine but I got in a car. accident and I needed a car so. dismissive I got in a car accident I. needed a car that congatulations but you. are incredibly dismissive or you're not. able to have a conversation and address. your own internal issues you're not. willing to have other people talk about. what you might improve about yourself I. know that's hard in the moment but as. long as you reflect on it like I get it. as human beings like when someone. confronts me in person that is difficult.

but I'm able to reflect I'll reflect. later but I needed a car are you. actually is she able to reflect is she a. reflector I don't reflect with her with. the conversation clearly no but she. would see it she lives with you she's. engaged to you you guys have been. together for three years I think she. could answer the question she she. reflects eventually it just takes baby. steps you guys like each. other yeah. yeah just not maybe right now in this. conversation yeah just fair enough when. it comes to finances like really no we.

don't it's one of the leading causes for. divorce and you guys are joining the. demographic of the leading divorcees. yeah yeah maybe we should get on the. same page here have we gone to coup's. therapy no we're going to do that before. we get married help with the marriage. license you get three free therapy. sessions thanks to sind one of our. partners so take advantage of that okay. I use them personally and I always. recommend the audience uses them as well. they're. great oh I'm being told you were given a. chance to. call oh it expired in September her.

credit card yeah that's the potential. settlement thing it's hard to see it's. very. yeah okay okay all right okay so the. Ford Fusion is yours yes a $51 minim wor. of payment you cannot afford this right. now stacking up against it also she has. a check engine light one of her lights. are not working. what one of what lights what light is it. that's passenger light cuz she was.

driving okay that's what do you mean. like a headlight yes you're going to get. pulled over yeah it's your what the. does that mean cuz let me talk I hit a. pothole so I tried to go toity all the. time why are you being a cuz this is. about my car I tried to get help with it. cuz I hit a pothole in the city and. sometimes you can like go to court and. or whatever when was that last last year. something yeah sounds like you didn't. try to get help for that I did I went. down to the city but there they said no. there you go congratulations so get it. fixed it's been a.

year congratulations welcome to. adulthood you have two kids I was going. to get it fixed it's $1,000 at least. with one quote I got you should have. $1,000 but you guys blow $800 on. miscellaneous so what was it uh. $500 on going out to eat well my check. engine L on $500 $500 it is that much I. told unknown shopping things we don't. 100% know was about 652 probably half. half not is typically how we find it. other purchases many times. $1,619 we'll go over that soon but we're.

getting your debt now you you don't have. enough with the pay for that you don't. have enough to pay for your rent you. don't have $25 to put to your card. you're immature you're spoiled Bratz at. least I have you enable each other. congratulations for doing a basic bare I. have enough to get car insurance you. don't have thank. you I got a lot of bills to pay what a. fuing joke J. joke I had her on my car insurance how.

they let you get this Le the car. insurance I added her to my car. insurance and then it racked it up to. $1,000 so I told her I couldn't afford. that and she had to figure it out on her. own cuz I help her a lot no one of you. guys haven't put combined accounts. because lot of mine hers mine hers and. you guys should be like that right now. cuz you're not married but oh my this is. insane what do you think the car is. worth you ow 16,000 on it my car I've. gotten quotes it's like8 n is the most. I've gotten. off yeah yeah underwater by over $6,000.

well. done at a 13.2 5% interest rate are you. kidding me come on how long have you not. had car insurance uh so I've had it I. had it for a month yeah how about how. long have you not had car insurance was. the answer to that you doing five months. November something I haven't recommended. on the show before but I'm unfortunately. getting to with you. guys delay the marriage you're not ready.

yet you're not ready yet you want to be. more financially well off you're not. because you can't control yourself but. either way she's an anchor right now. holding you guys back even still with. her behavior her desire her lack of. desire to. change and how bad this all is do not. get married yeah you guys are not. ready again you're already in the. highest statistical category for getting. a divorce why am had one of the leading. costes for a. divorce this is so.

messy do not get married yet get married. eventually but only after you guys fix. this I'm glad you guys are ready to go. to uh therapy and you guys need to use. the simpler budget app that we. created okay okay all right but let's. see if it works I don't. think well it it it works based on the. user therapy is only good based on what. you do you don't just go there and sit. you it's actions afterwards you get get. homework the budgeting app doesn't work. if you not putting in the work if you're. not categorizing things she's being.

annoying again yeah here's a money. mistake that I see all the time having. money just sitting in a checking account. with a teeny tiny interest rate doing. nothing but Gathering dust if this. sounds like you or you're just looking. to store your savings with a return You. Deserve I've partnered with money.com to. provide you a solution with the right CD. option it's like putting your money into. a high efficiency workout plan except. you don't have to do the sweating your. cash does CDs typically offer higher. interest rates than regular savings.

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paid endorsement sponsored by money.com. which is compensated by its marketing. Partners you're welc how how do how do. you like this how do you guys you're a. defensive and she's an obnoxious child. how do you guys put up with each other I. can't for barely an hour right now it's. already been an. hour she says everything like she's like. weirdo she everything is like the pitch. goes up it's already been an hour what. like everything's like performative with. her but her entire life is a.

joke I will ask to the audience for the. sake of the audience right now because. you guys seem insane but you know with. the finances we look for that's. typically what we get uh you guys. applied to come on the show from where I. applied from where like watching the. YouTube videos yeah and also my uh. assistant you guys are people yeah yeah. yeah see this is actually this exists. these are your neighbors these are the. people in your lives your co-workers.

like your cooworker recommended it you. said your assistant manager yeah this is. crazy guys okay so she knows your. finances are no she just knows a little. bit of the back story between like me. and her oh she was like you guys are. both cheating pieces that should go on. the show where didn't know that part no. she just said well they do now well yeah. what do you think about that they kind. of already know we're open they kind of. already know we're open we're all girls. yeah I bet you guys are going to be very. open in the.

future what are you trying to say open. relationship no or divorce cuz that's. how you guys operate not you guys as in. a you guys situation we already tried. that huh you guys tried open who wanted. to be open and uh it didn't work that. well why uh so basically when we went to. Austin last time we met up with her best. friend you her best friend it it was a. three some oh my God no that's not what. it.

was I was just there this just a human. centipede. of like what did you you were just there. you sat in the corner I was she sat. in the cut Corner she was laying there. and they just which is crazy they they. didn't really like each other they still. kind of don't but you were attracted to. each other no they're not what the you. guys are so weird she blames it on the. alcohol but I don't.

know I was drunk so and she's still like. your best friend no we haven't really. talked that much yeah since your fiance. no just recently and you watched I. didn't necessarily I was actually. watching like the TV and you were okay. with this she thought it was hot so she. was watching TV yeah in and out of the. TV I was mostly watching the TV but I. was like okay when I came back after I. like changed they were like cuddled up. in the bed together so I like slept on. the oh yeah people cuddle after sex but.

when no it was before that so I was like. oh that's a bit. weird why can't you guys keep it in the. pants dude you guys are not going to end. well this is not going to end well who. has the Quicksilver this is not going to. end. well very quick to call that out. okay go on what's going on with this. other second credit card that you are. over the limit on the good one at. finances I don't really know oh good why.

would we why would we know anything I. just got an approval with the credit. karma and I was trying to like get my. credit the Credit Karma yeah you're over. the credit limit I don't think that's. how you get your credit up why it when I. originally got the card yeah you are now. though and that's all I give a. about okay great $25 minimum the payment. huh you made this one good. job proud of you it's on autopay yeah so. it was the last one and it got denied. because you didn't have enough money in.

checking account because you don't want. to manage it because you're a. literal child and then even after the. $25 of purchases there are 20 or $25 of. payment there's a $28 of purchases and 7. cents with $59 of Interest taking you. from. $199536 to now above the credit limit at. $24.66 damn did not know that she was. using that much you did I told you I had. to go to the Dollar Tree that's why I. had to use the why you have to go to the.

Dollar Tree plus Amazon she ran out oh. yeah she has addiction to Amazon let me. see your orders pull them up start a. screen recording we'll black out private. information there was two weeks in a row. that she had two to three packages a day. at our apartment were they Necessities. like I no just random stuff that she she. saw on Tik Tok that she wanted you've. had so many fees so many fees last year. you were late like five times on here.

yeah a lot of this you guys are G this. is a this is a this isn't a ticking Time. Bomb this is exploding before our. eyes wow you came on at the I think but. before the last minute I think you guys. are done think you guys are done you. guys get along you know what's. interesting we have couples that come on. and they they they bicker a little bit. because they're getting confronted with. their finances sometimes it's easier to. deflect to the next person but usually. the pre-screening calls are a little. Pleasant I'm not on them but I hear.

about them you guys were fighting on the. pre- screen call well there are things. that she mentioned that I didn't even. know about like the the video G yeah you. guys wereing fighting like this is. already you guys are. done cheater done okay come on I want to. say some of these I had a gift card. don't care okay I just want to see it. yes yes yes yes. and whose phone if I search has Tinder. or hinge or Bumble nobody's phone has.

that we're confident in this she doesn't. like the dating apps and we all know. what Tinder is for so I'm not on there. it's the yeah I'm. good uh a sandwich cutter really. necessary for survival a dishwasher. magnet clean and dirty really necessary. for survival I still have my gift card. another duvet that I bet you did not. have gift card it was for my birthday. literally had a duve but she didn't like. it no more so she wanted to switch to. Pink okay can't do but it's on my gift.

card that you got me for my birthday. modern silky soft threaded sheets 128. gig micro SD it's for the switch for the. kids oh my for Christmas Christmas you. cannot afford a. switch okay so we have cats cuz you got. a new litter you didn't have a new. letter holder before when we moved we. needed like we have space uh in October. oh my you got this in at the end of last. month yeah I we switched rooms with the.

kids and everything so it cleaner. carrying case for Nintendo a charger for. the switch it came with one if I'm not. mistaken another doc station doesn't it. come with one so my son didn't have one. because somebody left it in my old. leasing office so my Park Patrol great. yeah that was memory foone mattress you. didn't have a mattress my cat had like. an incident and like peed on it so I to. had an incident sounds like it just PE. on what do you mean had an incident in. peed um it was it's a long story was it.

breaking no so so basically we were in. the middle of a move and and I guess we. blocked her litter box and so she peed. on one of the kids beds I absolutely. love cats and I want cats again this is. one of the reasons why I won't they're. just so if they don't have the absolute. perfect condition yeah they are so picky. about. life okay like I don't know how they. ever survived in the wilderness before. they became no idea especially our cat. she's very.

like HDMI cables headset all Christmas. hair extensions for. who I think I bought that and returned. it but it was for me okay this is my. real hair yeah your hair is nice isn't. it mhm okay mostly everything was from. Christmas but that was also a whole. situation because she spent more money. than I than she had and then I couldn't. pay rent so you guys aren't allowed to. spend money when you can't pay for rent. exactly that that's the point 3.24%.

interest on here it's horrible horrible. yeah my credit was not great so I. thought the credit card would help then. you over maxed it out what the are. you talking about I wasn't planing on. well obviously you're not a credit card. person then because you can't manage it. which is I mean that's clear as day you. don't open credit cards if you haven't. been able to prove that you your other. credit cards were already maxed out what. made you think you could manage a 200. $100 card there is no no example in here. that would suggest.

that we need the extra money There's an. actual response do you want a snack do. you need a little snackage no you're. grumbling you're tumbling you're Grumble. go grab a snack it's okay okay well go. grab a snack I'd like to not have anur. BR in front of me for a second anyway so. that's okay oh she's tall I made fun of. her for being shorter earlier she looked. sitting down in that chair they got be. taller than me so well how tall are you. I'm 5'3 how tall is she 5'7 oh she's not.

that tall well she but I guess for a. woman isn't that a little tall just a. little bit okay I don't know the average. height I am 5'9 the average American. male including in weight unfortunately. all right. so we're overdue on whatever the this. screenshot is usually screens shot equal. her yeah that was the card that I had. barbecue LS good choice just don't eat. into the mic pull the M that's her cash. app account okay your cash app is behind.

great so yeah that's was talking What's. the total balance OD on here I mean I. see $321 payment I'm sure your cash app. loans are denied uh yeah when she pays. she has to delete her account yeah and. then I got a warning that I have to. delete my uh delete my account and make. a new one if I want to have cash app. okay if you crunch into that mic I will. literally shank. you this is a podcast lady yes she's. such a little memester isn't she and. everything basically so you have a third. child that you've brought on it feels.

like it sometimes yeah can we mute her. mic real quick let's mute her mic for. the sake of the audience if I have to. ask her a question we can turn it on. let's M mute the the yeah okay so you. don't even know what like the to is that. the total so that's the total so all you. have to do is do $321 70 and then you're. fing good it's crazy man yeah and then. they they also will let me do payments. can I see that back real quick. let see that bag real quick I changed my. mind it's. annoying damn and then you're going to.

eat it I'm hungry how are you going to. offer me to get a snack and I can't even. eat it you had a couple chps you're. fine it'll settle it'll. settle all right whose Credit Karma am I. looking at um I don't know you got to. let us know what's on there I didn't see. the. lease do you need our lease I can pull. it up well it might still be in here oh. wait for her car yeah where's the lease. I just wrote I just sent the email to. Lindy she doesn't get do why it's under.

her grandma's name everything has to go. through her grandma you're really. willing to F your grandma over too so. your fiance is not enough to F over. you're going to over. Grandma there's going to be a time where. you are not making the payment one of. you is going to cheat on each other and. the other one's going to U-Haul the out. of there and then all of a sudden you. can't afford bills and you're going to. over your grandma cuz it's not her. name what a it's not your are you. on it at all uh Co but I don't think she. is though all right so what's the least.

term length um they said that it would. be paid off by the age of me being 31 no. that doesn't make sense you did not you. didn't get a seven-year lease yeah. that's what it was no I I can't even. tell you I wasn't there so I'm not sure. that's what I thought it was are we sure. it's Aisa not alone did you Lisa or do. did you get Al. loan m. oh my you don't know anything this has. to be Al loan then it must be yeah car.

loans are available but obviously I mean. her grandma has really good credit so I. mean are you did you lease it or did. you well the total of it is this has to. be Al loone 31 and then the first 31. what 31 what well no 32 32 what Grand it. for the car how much was the car 32 and. the loan and the amount that you have to. pay back as 32 yes that's not a fing. lease then what is that it's a loan for.

the entire. car and you said it's a 0% interest no. it's not you probably had 0% for like an. introductory month or something maybe 6. months I bet this is at like 20%. something crazy and you have no. idea download credit when didd you get. it um when' you get it back in no. download Credit Karma for me are you on. the Wi-Fi yeah good download Credit. Karma for me do you have Credit Karma. yeah I have it open open it open it open. it or is this your credit karma whose.

credit karma is this that credit karma. is mine so you I sent a screenshot yeah. I do okay I've kept up with those. they're deferred so I'm not getting. extra interest deferred cuz you were in. the save plan yeah so just like I almost. say every episode I feel now that's been. challenged in courton we also have a new. head of the Department of Education. you're likely going to have to start. paying on those again yeah i' prepare. for about $150 payment but roughly. that's what they are 120 to 150 yeah but. you're in deferment right now. yeah over here yes yes that is for me.

okay oh good 533 that's who I'd want to. partner with for credit. score gosh well eventually I'm going to. get open a different credit uh different. banking and then um banking cuz uh with. with Chase they since my credit is so. bad because of the US Bank card uh they. they won't let me open a savings or get. a credit card with them touch table. again I will smash your fingers they are.

loud you are an actual. little good thing I didn't become a. teacher cuz I would have like. murdered oh my gosh open accounts okay I. don't think it's gonna show it's not. showing yet yeah CU if you are you sure. you're on it yeah that's what I'm wor. I'm like worried about cuz to accounts. wait one second one second nope close. account. I feel like with a cosigner she would be. on it somewhere right so I don't know if. she cosigned or not yeah then maybe I'm.

not on it maybe it's just so L what's. the payment monthly. um um. 568 and some change and the balance is. 31,000 uh yes is this a new phone no one. generation phone you have a new phone. cuz she likes to get thinks that you get. to get a new phone both paid off they. are paid off yeah we switched to spectum. and they paid it off what oh really oh.

so you're under contract now probably no. we were with Verizon and then when we. switched to Spectrum they paid they PA. off I'm guessing because you probably. got locked under contract with Spectrum. yeah it's only $35 a month though yeah. how long's the contract 12 months I was. thinking about switch 35 per no total oh. that's actually usually pretty good yeah. Verizon I was paying like 300 and I was. like that's getting ridiculous and they. have fees and they can't explain them so. we tell people do helium for 15 bucks a. month it's the same as T-Mobile. essentially for coverage um but at the.

two lines that you guys are already at. you're little losing like five bucks but. that's that's not the worst I don't like. that you're in the contract but okay. okay so student loans we don't need to. worry about yet but maybe here. eventually oh so the balance on your. student loans is like. 13,000 right uh no it should be about 10. then is this your credit C or do you. have student loans no that's hers unless. unless that's my car my student Lo.

there's Department of Education here. 2368 then on there there was. 10,915 10,000 was the total I have three. student loans then why am I seeing no. I'm seeing them separate they're. separate because they didn't have a. maternity program so I had to like quit. and then reenroll I'll leave it at. 10,000 it was weird they didn't have. maternity leave I could pull out my. loans. okay uh on time okay so these are other. credit cards am I missing any Debs here.

[Music]. guys these are horrendous let's be clear. but I'm missing any deaths before we go. into our checking account just where the. most of the spending is I also have um. an app that I need to pay back that's. called impossible oh it's called. Possible Oh possible we both have. possible I. owe 150 I don't know what she owes and. you. 62 okay so. 100 12 wait 212 wait how much were you.

hold on I have the app no what did you. say just I think it's 150 oh okay 212. okay anything else I mean technically my. car I don't know if that's considered a. day your car your vehicle yeah I need. toix talked about that yeah oh the th000. no I wouldn't say that so we have earn. impossible indebted Harrison Harris Dave. Inc oh my. Bridget they're typing them all out to. me live yeah Flex Finance oh yeah that's.

what we used to SPL no we used at the. split our rent Flex oh flex but what. about all the other ones the earn the. possible the indebted the that we. exactly how much do we owe in total yes. I don't want to do the math like are you. kidding me how are we going to pay debt. if we're not you guys are so $47 in a. Capital One checking account who has. this I'm all Capital One yeah okay cool. there's erning you I told you going in. and getting some Zing money out.

McDonald's zelling money out good willll. hopefully for the kids hopefully not. some I don't know who knows. better not be aing toy or anything from. there better be clothes cuz they're. growing good Netflix definitely don't. need it definitely don't need it when we. can't pay ouring. rent Thrift Giant going in and getting. some BS withdraw was rejected withdraw. was rejected withdraw was rejected right. that's because it's because the apps. Pull my money on Wednesday but I don't. get paid till Wednesday afternoon you. should not be living like that that is a.

joke more earning deposited in. cash app out cash app out Amazon Prime. door dashing raising GES we're door. dashing when we're living in Practical. poverty essentially in the future Easy. Pawn Easy Pawn what is that we pawned my. laptop to get money for. rent and you got and then and then. literally the same day you door dashed. we're pawning a laptop and you're door. dashing I think that's why I got it back.

mothers of the. Year Burger King earning Hot Potato Hot. Potato door Dash door Dash. McDonald's told you Hulu McDonald's. Donuts zel on money door dasing. McDonald's Raising Canes McDonald's cash. app and out money Donald's is her. addiction I love it too look at me I'm a. fat but guess what I can afford it. you can't pay for your kids roller uh. ice skating rig for $11 your McDonald's.

12 you're. McDonald's door Dash. earning cash app cash app cash app. Apple oh. my earning selling out going and getting. some BS going and getting some BS. alcohol it's specs think it's for her. birthday whose birthday mine her. birthday she's 24th doesn't matter it's. not a birthday that matters you're an. adult pay for rent for youring kids.

sakes TJ Maxx Amazon Amazon Amazon. McDonald's Five Below likely getting. some BS cash app Nintendo Christmas. gifts you can't afford it sorry the TJ. Maxx won that was for the white elephant. for work Amazon Don't Give A F you can't. afford it don't participate Domino's. McDonald's McDonald's good some BS Ikea. oh that she paid for it open your damn. phone for. [Music]. me what a.

joke so you just have storage it's your. subscription open your. [Music]. phone and out of all the subscriptions. is not the one I. oppose you have apple. music I'm glad you guys don't have a lot. of subscriptions on there I know you. have Netflix and you got to. stop that. okay Chase is that you m yes dcan don't.

zeling money out to dash Chick-fil-A. McDonald's you're just as bad apple. build door dashing Taco Hut why aren't. we even door dashing together you guys. live together this is so fuing crazy. door dash dash pass selling money out. cash. advance more Nintendo going in getting. BS Easy Pawn what that time it was I. think it's the same thing she paid for. it originally and then I paid to get it.

out this is Fu crazy. man going a wing stop going in getting. some BS Apple Bill Nintendo d McDonald's. you said she's addicted you zing out. money Empower cash advance Apple Bill. Market something you went and got some. bull. Nintendo what's your retirement. I don't have anything in retir what a. joke what's your retirement don't go. what a fing joke guys what a joke what a.

what an embarrassment of an existence. I'm sorry it's offensive I don't care. you need to hear it it's real people. probably coddled you and been nice. forever it's not you guys it's sad and. you're going to put your kids through a. up. future and they're the ones that matter. in this situation cuz they did not. consent to be brought into the world yet. you brought them into the world probably. some whoops here and there sure but they. came in income for the house 5,100 rent. one more time.

$1850 oh gosh. utilities um gas electric want to say. like 220 for everything yeah including. the internet we just pay electric oh. with the internet it' be 300 so. internet's 50 okay mhm so utility is 250. jeez phone bill you said 35 mhm gas. vroom vroom drive drive for you 100 a. month how much for you. 200 200 so 300 total mhm car insurance. mine's 170 what would yours be.

um I'm trying to have it be around what. would it be if you got it today 100. can't do that no it's 200 okay 200 plus. 170 okay well the whole thing is I was. just going to have a high rubles to have. it be. cheaper. 370 okay necessary food you get them. every other week okay we could probably. do use the cookbook use our budget. friendly cookbook it comes with the uh.

premium version of the budgeting app. which by the way those who sign up for. annual you get a Founders Edition. physical budgeting book with my. signature physically signed by me I do. plan everything so it's 100 a week for. me and her and then go out to eat every. day so your budget's fake shut up what. when we do grocery shop shut up you go. out every day your budget's not real for. groceries you're going to be meal. prepping a few times a week and you're. going to be boring with your food it's.

what it's going to be temporarily if we. can even figure out how to get out of. debt we're about to find out TP fund. anything for the kids anything extra to. exist you know all that good stuff it's. anything else 200 bucks for the house. necessary food let me think I think we. could do 800 700 to 800 I'm going to do. 800 and just hope it's less yeah it. should. be I'm going to do it 00 though Medical. Healthcare um I'm covered through my job. co-pays anything like that though uh 75.

I'm in therapy okay so that's 75 a. session yeah how many sessions a month. okay 150 and then once I get hired on. completely um I um I will start her. having insurance but um through the temp. agency they they don't give you. insurance any co-pays or anything no. okay so. 150. okay subscriptions no you have you have. pets what how's your cat M she's two one. cat yeah yeah get pet insurance I'm. going to do 40 bucks okay cuz you guys.

could not afford an emergency if you. popped up how much for cat food and. litter on a monthly basis um we get the. big bag so we don't buy cat food every. mon come on monthly basis cat food huh. 50 bucks okay 50 for both yeah cool. anything else that needs to be in your. budget that I have not calculated on. other than the debt which I'm about to. calculate uh tolls I have to take the. tolls so for me it's I got to drive to. Arlington that's 40 minutes with tolls. and I have to use them what about. without it's an hour but I only get a.

2hour lunch why are you going home for L. 2our lunch is great why are you going. home for lunch I'm not going home I have. to drive to Arlington to pick him up and. then drive back home during those up my. kids so you during lunch you pick up. your kids and bring them home yeah I get. to work an hour early and then I have a. two hour care of the kids it's on week. on week off yes who takes care of the. kids while you're at work or is it. remote oh they just hang out yeah they. just come to work with me basically in. the game room that we. have or they can just go home either way. how much TOS um it's 100 a.

month 568 for debt payments no that's. incorrect sorry that was the last ad. $1,466 for debt. payments I'm doing this married because. we're attempting to be married which I. honestly really think you guys should. delay which I do not say lightly I would. delay my. marriage yeah there it is. sorry guys but it's the reality of the. debt situation you got yourself in you'd. have a good wiggle room if you were not.

in debt. but you're literally under by. $497. 66 so couple options allowing some. things to go to bankruptcy or allowing. some things to go to collections hoping. they don't come for us legally they kind. of can but um I'm just waiting that out. having it credit and good luck ever get. in another apartment again it would. essentially have to be in your situation. uh you can go through bankruptcy which. same thing you guys won't have a life.

for like 10 years involving debt or any. kind of good debt good luck getting a. house and uh we could work more hours. get a second job you know someone's. getting an extra job without cheating on. their. manager you know well. with to get the second job if you bring. in can you get a second job can you. bring an extra thousand bucks a month a. thousand yeah N I would need you to add. your income by about half then I would. have to get a fulltime job well no about.

20 hours a week I told you then then. yeah which sus possibly get a part-time. job but the only issue is like my hours. I work is from 11: to 7:30 a 11: p.m. yeah 11:00 a.m. to 7:30 p.m. oh okay. cool you might just have to pick up some. night shifts. somewhere that sucks it really does suck. but the thing is let's minus the student. loans so $2,519 a bad debt $500 so if.

you make an extra, still takes 41 months. to pay this all off guys it's three and. a half years then probably an extra 34. of a year to get a fully funded. emergency fund and then you're catching. up on retirement and you're starting it. so but that's an option it's better than. bankruptcy in my opinion it affects you. less time but at least with bankruptcy. you could start saving up for retirement. now in an emergency fund but good luck. ever getting another place or getting to. any of the goals that might require. leverage you'll be in your 40s before. you can consider getting a house is a.

house in our desired future MH yeah okay. well I'll sit you down with one of our. simpler money experts for free we have. certified financial planners there we. also have some CPAs and stuff like that. because right here I'm not seeing a way. out other than you need to get a second. job and you probably need to work more. too you know cut you cut it down to two. years if you both pick up an extra 20. hours a week. okay U we'll sit you down with one of. them use the budgeting app you got a. budget cuz this is with following the.

most strict budget no funds spending in. there which is impossible for that long. especially with kids so bankruptcy. allowing things to go to collections. those are some options but a lot of the. big debts are cars and we do not want to. get repoed here especially you it'll. your grandma and we really don't want. that those are the big burdens a lot of. these loans so you can start chipping at. them and they really start making. progress quicker but you're only saving. yourself like 25 bucks a month 30 bucks. a month it's like the big one to the. cars sorry actually um you're only under.

by $250 a month I was a little wrong CU. I added up the settlement for some. reason on the US Bank so you're under. 250 I would still rather you bring in a. th000 but that would bring the situation. down to like 3 years I think three and a. half years three and a half instead of. four and a half so that's still better. but you are still underwater so no. matter what you have to work more cuz. the reason why you find like you're not. making any progress on your debt and. your debts only going up is because you. literally make less than you need to. survive on a minimum monthly basis so. I'm not surprised that you're bouncing. on this Le though yeah and bankruptcy.

yeah I'd rather grind at it and you can. um obviously raises happen and we work. for them you kick ass your job and you. really try to push for that you leave. your job to get a competitive another a. job in the industry with hopefully a. better income you know leverage that. system go through all of our education. you guys get it for free take advantage. of this process you're in people. actually make progress in your situation. on the show you guys can too if you. stopped acting like spoiled entitled. Bratz spending a budget let's see I bet. you over spent let's see income that.

came in payroll we had. 3,157. 2,119 from you so essentially. 5,300 or so came in oh 8,400 was spent. spending in a budget zero out of 10 come. on guys what theu is that debt you have. kids debt there's collections here zero. out of 10 emergency fund nothing in. savings 0 out of 10 retirement there's. nothing in retirement 0 out of 10 real. estate there's nothing okay Hammer.

Financial score zero out of 10 guys join. us in the post show we usually find out. some more interesting things that we. can't talk about in the main show due to. either privacy or it's just too. inappropriate and we'll get demonetized. it's always an extra party in there and. join the elite version for live streams. a call-in show where you can talk to me. and extra exclusive audits a lot of. different things it's worth it trust me. and don't forget to download the simpler. budget app today it's worth it I promise. see you guys in the post show you hav to. talk to the friend that you.

guys it was only me I don't think you. guys should get married yet and I want. to see if she agrees hi my name's Caleb. Hammer when you guys had a three-way why. did you only focus on your best friend's. fiance and not your best. friend to watch the financial audit post. show click the join button below.