EBT Final Boss | Financial Audit

She got a black eye. She cried for 20. minutes. He sat next to you and you. equated it to anime on an AI site. >> When she was telling the story to Colton. in the pre-production, you muted her. phone so she couldn't finish the story. >> I WAS TRYING TO figure out where she was. going WITH IT. >> AND WHY SHOULD THAT MATTER? SHOULD SHE. NOT BE ABLE TO TELL THE TRUTH? >> He said I cried too loud for him. >> Cuz she doesn't cry right. >> Hold on. Hold on. Hold on. PEOPLE READ BOOKS. YOUR PAPER. GOT RIPPED. WHAT IS BEING SAID?

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years old. Nobody told me to turn it off. I'm. sorry. What a lie. And what's your name? >> No, they didn't tell me that. Like, for. real. >> Name. Hi, my name is Beth. I'm 29 and we. live in DFW, Texas. And this is. financial audit. >> [music]. >> We we You can start now. You're bad at. following instructions. >> Nobody told I swear, nobody told me to. turn the sound off. I turned the sound. off before we even got into the. building. How do you not know? That's is.

being played in public. You guys played. the reverse card. >> I didn't even have it. Like, since we've. been here, this is the first time I got. my phone. Titus didn't get that one. Look. Look. Look. Look. This is a good. joke. All right, B. All right, dude. >> Hey, you're in front of me right now, Titus. I want to know what you do for a. living in Detroit-Fort Worth area. The. Dallas Dallas-Fort Worth area. Yeah, I. work right. De- Detroit. [laughter]. Detroit. >> That was not a black thing. Look, I want to say it's not a black. thing, but I can't say I don't smell the. smitherines. Um. I work at the college locally.

>> Okay, so before we even bother. >> Hold on. Are you going to. >> No, yeah, no, we're going to ignore him. Before we even get into it, that's not. even our main reason that we wanted to. come here. That's fine. I'm just trying. to get what he does for a living. >> we're going to move on from that part. for a moment. So, um our whole main reason Okay. [laughter] is because so I wanted to. come on here cuz he's she's terrible. with finances, yeah? But then come to. find out that he's like paying to like. sext AI. Oh, why we doing this now? Like this is. off the wall.

>> Because it's the main reason I wanted to. come on the show. What about the. finances? >> like paying to sex with AI. Okay, that may have been my follow-up. question if you let me get there. >> Hold on, hold on, hold on, hold on. Back it up. First of all. >> like it's important. >> No, it's not important because we're. talking about the financials, all right? We're talking about getting us straight, you know, the career course, all that. other boo that you got me coming here. for. All you did was walk in and say. we're going off script. I don't. I work. >> you work? What do you do for a living? [clears throat] That's Oh, well, that. was my question.

>> Oh, is it your question? Okay, what do. you do for a living? >> Like you don't know cuz all right, listen, I I work at the food services. with the college that's nearby. Cook? Sort of. >> Yes, sort of. I supervise. >> manager? Or chef? No. >> No. You're not chef? Not chef. Supervisor. >> I love chef. He was my favorite. >> three lunches today, please. You don't. need three lunches, Eric. You're fat. enough as it is. Uh now that was a black thing. Uh-huh? Okay, great. All right, now we done. that. >> Now we understand. First of all, I ain't. going to call you racist, but I'm going. to smell the smitherines on you. And. then if. >> know what that is.

>> I don't know what that is. Look, there's. there's there's there's little this. little. drippings of racism that just. shine on everybody every once in a. while. >> I have drippings of prejudice against. everyone that's not me. You know what? Actually, that is that is a fair point. It's still up, so. >> a ginger, including her for the rainbow. eyes. >> a lot of gingers here. I walked in and I. was like, I've never seen so many. gingers in one room. Double. You've. never seen two gingers in one room? There's another one. >> Prejudice of Colton for the gay, prejudice of Brandon for being I'm. prejudiced of everyone [laughter].

everything. Oh yeah, you didn't know that, Brent? That's why you didn't say hi to him when. he came in. >> not. He's not. These are just. allegations. Made by me right now. >> [laughter]. >> Titus Titus, what do you what do you. make being this manager? Uh yeah, so. um. let's see. Okay, the the hourly rate is. 16 right now cuz I just started last. year. Yeah, that's not great. >> That's not great. I make. >> He makes time for anime though. So. We will get into that. I promise. We. will likely get to that. We will get.

into it. >> We will likely get to that, but we. trying to do the that we supposed. to start with. All right? Can we start. with the we supposed to start with. and then we can go on to the other. Okay, cool. All right. Is this how every conversation goes in. the house? How often do we have any. conversations ever? Never. Um so It. always ends with me being right and him. leaving and then we're good. So, that's. fine. I make four like about 1,200 a check. every 2 weeks. That comes out to 2,400 a. month, sir. 2,400 a month? Yeah. Net?

Or gross? That's net. Uh 26. >> no that works. That works. No no that's. good. That's a good start. Yeah, that that come out yeah. Well, if. I work the full week, yeah. Do you. usually work the full week? >> work the full 2 week, but sometimes. she'll have some kind of issue at the. house that I have to come home early for. and whatever like. >> having issues at the house? The baby. Okay, there's a baby. There is a baby. >> Just one? Just one? One kid? One kid. Thank god.

And it's yours? Yeah, it's mine. And. you're still here? Yeah, I'm still here. Yeah. This is why I'm the better part of. the blackest race. You know it's as the. BETTER PART. >> RACE? >> [laughter]. >> LOOK LOOK LOOK RACE WAS KIND OF CRAZY. I. didn't mean that. Race was crazy. But, are the human race. The human Yeah. We'll go down forever. And then All. right. I I see what you like. I see what. you like, you. All right, I got you, bro. I was [laughter] parked. I was taking a knee. >> No, no, no, no, like. No, like an endearment. I can't you know.

you know I'm talking Okay. I was taking. a knee over here and not on the neck, either. So, like I was I was being good. >> you, like. I see what you like, bro. I see what you. like. It's all right, though. It's all. right, I respect it in in the general. sense. Um I I'm watching out for you, young. man. I'm watching [laughter] out for. you, young man. Trust me, we've been. watching out for you the moment you turn. the corner around the block. This boy is crazy. Oh, my god. My. security guard is the hand was on the. >> us? So, no. Tell me why we were in the. parking lot, you walked past us, and I.

saw you, and he was like, "Oh my god, is. that Caleb?" And I was like, "Oh my god, that is him." And you looked so mean to. me, and then walked past me and went. inside. And I was like, "Okay." I was. like, "You too, Caleb.". >> believe I said good morning, friends. No, you didn't say anything. First of. all, you didn't, BUT CAN WE LET THE MAN. do his job, bro? Let Let me do his job. He was in the parking lot. Well, where. were you in the parking lot? I don't. know. There's There's. >> As soon as you came in like as soon as. you came in. YOU WERE WATCHING PEOPLE. I DON'T KNOW WHO you guys are. I don't.

know who's coming on the show. That's. That's what I was trying to tell her, but she don't she don't listen. >> Were you in my way? No. >> Probably. I was in the car. We were in a. full car. >> remember you. I did see a black man. Yeah. >> And a car. And it was pure excitement on. my side cuz I WAS SO EXCITED. >> WELL, THAT'S GREAT. HE WAS He was. blocking me cuz he was next to a truck. No, he was blocking me, and then I. backed up like the nice guy I am, and. then he went in a parking spot that I. went parked. I got out of the car, made. it almost to the front of the building, and he was still taking like 30 turns to.

try to get in the parking spot. So, yes, I was given dirty looks because who the. is that with parking? Okay, now even with a backup cameras, he. you can't park straight. First of all, I. don't back in the. parking lot. >> I need to get basic information here, guys. Please God, can we chill? >> all right. Beth. Yeah. What do you do for a living? >> I am a stay-at-home mom. Okay, because. of the kid. How old's the kid? >> 6 months. Meet you then. Take a water ibuprofen after this. episode. You have no idea, young man. It's going.

to get worse. >> Did you have a job? All right, when are. you getting back into it, if at all? Well, at 24, you guys are not going to. survive in uh the Dallas-Fort Worth area. on 24 400 knots. >> did have a job beforehand. He was an. accidental pregnancy. I worked at. Walmart for 7 years. I made like. 20-something dollars an hour. Um I did good. I made I made pretty good. money there. >> Well. Um for being at Walmart, I made. pretty good money there. >> That's fine. Yeah. Okay, I mean, that's. fine. I mean, I just care about what. money's coming in general. So, what was. your per picture? Is that where you're.

going back? No. >> when? Oh, okay. So, I guess it doesn't. matter. >> Yeah, no. Well. Are you going to get into jobs to pay. for I guess AI girlfriend masturbation. stuff? We got to budget this stuff. I will get. into that, but I I I got some to. say. >> Before we had the baby, I was like the. main financial person. So, I was the one. that paid pretty much all the bills, took care of everything. It's not like I. didn't have a job. There was a point in. time I did have a job. But Multiple. times. He's I had one job in the time. we've been together, he had about 14.

jobs. >> I've had five. >> But. I was the main financial person. I paid. pretty much everything. Um and when he. didn't work. But then had the baby, had. a lot of complications, had a major. C-section, all the roughies. Um so, I couldn't go back to work for a. while. And then I just didn't want to. leave my baby. So, I've been trying to. find a job at home to where I can work. from home, but also so I could go back. to being the one that takes care of all. the Okay, so like what kind of job like. what would you make? What are the. customer service at home or what? Yeah, from home, but I've looked. Okay, so you.

don't have a job, you're not getting a. job. Okay. Titus, what were you going to. bring up to her right there? >> were are to go? Look, I did have a plethora of jobs that. I've lost on various cases of. Not no, various cases of one was a. contract that ends that's not being. fired and the other part of that was cuz. it was I was working from home. By the. way, I used to be in pharmacy so you. know, right? Not street pharmaceutical. tech, the actual pharmaceutical tech. All right. No, it was your follow-up. Yes, okay. So, I worked CVS,

happened there, left there, went to went to Walgreens. Got in an. argument with her during my shift caused. me to hand somebody the wrong medicine. for the fifth time and like Okay, why. are you at his job? I don't know. I didn't know he was there but she was. she was texting. >> me and for the record he had done it. four previous times all on his own. Okay. Well. >> So, he blames me for the whole thing. He. did it four previous times all on his. >> fair. I didn't even know he was in the middle.

of working. >> But here's the thing though, I already. told you that hey yo, I'm on my last. strike of five. Can we complete this. conversation later? >> strikes. Then can we complete this. conversation later? Then I ended up. handing some lady who had the same name. as some other lady's medicine and and. then they were like they didn't want to. be understanding about that. That's not. my fault. That's not my fault. >> I wasn't on the call or anything. It was. over text. He had the capability not to. text me back for a minute. >> WHY YOU KEPT TALKING LIKE WHAT YOU WANT. ME TO DO? OKAY. >> LET YOU CUZ YOU JUST you just.

you getting your head where you believe. whatever the you want to believe. about whatever the situation is and then. and then like you just kind of stacks on. top of each other and now we're at. >> Caleb a headache. So, that's what you. were trying to bring up? Me? Yeah okay, she was. No, Back it up. What Titus We're talking. to we're talking to me now. I thought. look look. She's talking about the many of jobs I. had, right? The jobs that I have lost. due to her. is a part of this conversation too. So, the wall. >> Well, look Pause.

Pause. Pause. Can we please bring in. Tyler and set up a fourth mic? I'm just I just need a little. translating here. [laughter]. I'm I'm losing it. >> [laughter]. >> We got a black Is that what Big Man is? Big Man is a black translator? You need. a black translator? >> Apparently I the job. the thought Was it Was it word plethora? I told you you're going to use too big. of words and he's not going to. understand you. He dropped out of. college. >> Okay, so this is Tyler. He's going to be.

my. I need a little translating. Oh, you. need some translating? I got you. >> little bit of translating. Okay, so so. as you were saying Okay. I have had since we've been together a. plethora. >> now he's speaking like like. >> I'm I'm I'm speaking slightly slower. >> too big of. >> No, speak You be you. I have him as my. support. Okay, so check it out. I had a. I have had a plethora of jobs before, okay? But the job the amount of jobs I. have lost due to her is a part of. conversation, too. It ain't just me just.

like getting getting frowned and getting. knocked out of my jobs and This is. like. This is like a team deal, like you know, she's been a part of my life through all. these jobs and since she's been There's. been a reason that she has been a part. of the reason why I lost some of these. jobs. Some of these Some of these jobs. You You were part of what? One job? Pause. We only had one job. Pause. So he basically said it's not only him, it's not only his fault that he's losing. these jobs. It's also her fault, too, that he's losing these jobs. So it's not. just him, it's her and it's a collective. effort between the both of them. So why.

are you in Why are you like harming him. in these jobs? One job. One job is what? >> He blames me for two jobs. The second. job was his at-home job and it's cuz I. was there. No, no, no, no, no, no. Let him say why how you it up. >> up? I want to know your reason before I. say the real reason. >> Before any of that the bush Right. Let's. talk about it. Talk about the at-home. job. I'm at home. I'm on the computer, clickety-clackin', all that, right? You. come home from work I I. I leave during my lunch time pick you up.

from work, take you home, go back to the. computer, collect it, right? Then what. happens? Then what happens? >> Hey baby, I PUT MY CLOTHES ON. HEY BABY, YOU KNOW. WHAT HAPPENED? MAN, THE bread was real tough at work. today. SO I SAID WHAT ARE WE WHAT ARE WE. PAUSE. I JUST NEED TO UNDERSTAND. YEAH, YEAH. So basically what he said was. listen, um. I got a call while I was doing my work. at home on the computer. I got a call I. had to go pick you up and stop my work. So I had to go and get you and then I. brought you back and then when I went. back on the computer you just started.

yapping a bunch of. >> during his lunch break. OKAY. WHERE YOU. YAPPING A BUNCH of Hold on. Big big question. Consistency is the. problem. This isn't the call that says. to come get a This is a daily occurrence. that we have. >> Oh, okay. I don't have a license. She. wears cuz she don't have a driver's. license. Stop yapping. Dude. Okay, so let me. explain, right? Okay, one he wasn't on. the phones, okay, for one. Two, I would. text him I would text him and three. that's not why he got off of work. >> That is why he got. >> He got his main problem why it would go. so low is because it was around when we.

first moved in together and he would. stop working, come try to bang me in the. middle of him working because I'd be in. the bed and he'd be like, "Hey, let's. real quick." While we were trying to. work. >> to ask me to. >> I wouldn't ask. I wouldn't ask. He would. just come in and that's my fault. somehow. >> [laughter]. >> Hold on. SO WHEN YOU WALK IN THE ROOM. WITH YOUR TITTIES OUT, RIGHT? So when. you walk in the room with your titties. out, My titties are always out. >> Exactly. WHEN YOU. WHAT AM I AS A MAN SUPPOSED TO DO EXCEPT.

my job? Okay. HOW IS IT MY FAULT I have. titties? It's your fault YOU'RE FLINGING THEM. AROUND everywhere like they give a. Like what do you want from me? >> I don't think that counts as flirting. >> Okay, that's that's part of the reason. That's part of the reason why. All. right. Hey, yo, K. I need I need I need to I. need to ask you something. >> you so far. I'm with you so far. Okay, so we're here we're here we're here. So. Okay, you're looking around like you're. going to have help. There's no help in. the next 2 hours. This is this is this. is this is where we at. So, look. Look. No, not like that, crazy. No, stop.

>> to you, my dog? Okay, okay. Yeah, yeah, yeah. You good. You good. I'm just. saying this is where we at. So. What? What just happened? >> he said you'll be all right where you. are. You'll be all right where you are. And this is just what we're doing right. now. You don't need back up. You're. okay. From what? From him. Because he's. saying that you're trapped here for the. next 2 hours. >> energy in the room. >> And I appreciate it so much, big nose. I. got you. I got you. I got you, my guy. I. got you. Yeah. >> Yay, white people. Yeah, yeah, yeah. White people. I don't know. >> Y'all can't Y'all can't. >> [laughter].

>> It's not racist. Why you Why you Why you. talk with the fist though? Why you say. white people like this? Look, look, look. Look, look. There's a difference. between racist and racial. Us, right? That was That was just being brothers in. in the Lord Christ. >> white people do it? >> Racial. Why is it that It's not racist. It's. racial. >> They're They're being brothers. We're. being superior. How's the joke? That's That was a joke. [laughter] THAT WAS LEGITIMATELY CRAZY. THAT IS CRAZY. CRAZY WILD. Crazy wild. Crazy wild. Moving on. >> Maybe cut that one. Yeah, maybe. [laughter]. It was funny, but it probably again. It.

was a funny, but the room went very. quiet. >> [laughter]. >> Let me tell you something. If I tell you. how If they tell them half the you. be saying on the daily basis. Is she dropping those Rs? No. I want her. to so bad. >> so bad, and I refuse. Not even in the. bathroom. She won't even do it. I I. tried. Okay, okay, okay, okay, okay. So, okay. So, okay, but he has a job right now. I. do. So, okay, that's all that matters. Okay, you know WHAT I'M TALKING ABOUT? WE GOT INTO ALL THAT OKAY, I. GOT RIGHT? I MEAN, why are you bringing. that up? He has a job. He's the one.

providing right now. I mean, you're not. Well, I mean, you're doing what you. should do. I mean, you're you're staying. home taking care of the 6-month-old. I. get that. That's not criticizing. But, we are not going to survive on this 26. >> Especially when you pay for AI. Especially when you pay Okay. All right, let's get into it. Tell me. Pay me. ho. Hold on. hold on. Hold on. What are you talking what's wrong. with you? I got you. I can drop it for you. Okay. >> Let me tell you something, okay? Does. the wife of an author get mad at a. romance novelist for writing the.

character two characters that that. aren't them? The answer is no. >> [laughter]. >> Are you PAYING FOR IT? PEOPLE READ BOOKS. YOU'RE PAYING. FOR IT. ARE YOU PAYING [laughter] FOR IT? OH, WHAT IS BEING SAID RIGHT NOW? SOMEONE HELP THE HOST. I'M SORRY. I'M. SORRY. I GOT YOU. I GOT YOU. I'LL I'LL. TRANSLATE. UH, basically I said, "Hey my. brother, what the hell is wrong with you. for paying for these AI people?" And. he's. And he's pretty much saying, "But what. about the white people that would read. the books, THE FANTASY NOVELS?" NO, I.

AGREE. You people read that book. No, I don't. I watch You You can't read. Yeah, I know. Um, but like. I can read pretty much. You can I'd. rather watch Why would you want to read? Here's the thing though, right? Why. would you read when you can write your. own type IT'S THE. >> [laughter]. >> BECAUSE IT'S NOT FOR THE RECORD, IT'S. not even visual. He's paying to. basically sex with an AI person. >> NO, IT'S NOT JUST THAT, CUZ I'M TRYING. TO TELL YOU. >> FULL mythical creations into his realm.

I DON'T KNOW. BUT IS SHE AGAINST US because if if. >> For the record, when we first. >> We are. technically engaged. He asked me He. asked me to marry him while I was cut. open on the table having a C-section. I. I was in the moment. You was in the. moment. You was in the moment. >> the record, we have known each other. since we were teenagers. And then. decided to start We went to high school. together. Uh, how old were you? I was. 17. He was 18. I refuse. 16 doesn't work out. Yeah, well, he just.

had a birthday. I had just had a. birthday. Yeah, that's true. I was born. at the very end of the year. He's born. at the very beginning of the year. Okay. So, he just had a birthday. So, fresh. off the boat he So, just for posterity. sake, just cuz I know the way you. looking at me like. >> white scared. >> of nothing. I wasn't scared of white women. That is. not the case. No. What I was scared of. was the fact that I was 18 and you were. 16 and I didn't know what the Romeo and. Juliet law was. So, I'm like, oh, And 17. is still legal in Texas. They're calling. you a pedo. I'm not saying that you is, but I'm just saying I was so far against. the allegation, I didn't want to play.

around with with young white girl with. when I'm 18. So, I'm 17 is still legal. in Texas. I didn't know that. I DON'T PLAY AROUND WITH THAT PEOPLE. >> [laughter]. >> GUYS, IT'S OKAY. >> MEAN NOTHING TO ME. REMEMBER THAT? YOU. REMEMBER THAT? STOP. YOU'RE NOT GOING to. jail today. Today. [laughter]. Uh, but we've known each other since. high school, right? So, we've known each. other since then. Very good. >> But and then I think like three, four. >> my my question that led to all that. somehow is, are you okay with this or is. this a no-no? >> No, no. So, we first started dating,

right? I found out about it about a. month into the relationship. >> Wait, what? When How long have you guys. been dating? Almost 4 years. He was. dating He was texting underage people 4. years ago? So, I was That thing I was 17. when the. first came Since it very first came out. Cuz I was interested in the technology, number one, the nostalgia part, number. two, but like the technology number one. >> I found out about it. >> I'll translate that for you. He's an. educated one. Oh, yeah. Yeah. Facts. Facts. Facts. I found out about it. >> No, no. He said He said Bro, he said you. need Let me we up. Let me we up. Let me. we up. Yeah. You're smart. Can we talk.

for a bit? >> Yeah. Yeah. You're up. Yeah. Yeah. I. found out about it a month into the. relationship and I was like, hey, all. four fetishes, we we don't fetish same. You do what makes you happy. Um, I. consider it cheating though. So, if. that's what you want, that's fine. But. I'm not comfortable if I in that. relationship and he was like, okay, I. respect that. I won't do that. And so, he started He was like, okay, yeah, I. won't do it, whatever. And then I found. out he was still doing it. And so, then. I almost broke up with him and then he. cried. Yes. That is against the rules. >> Then it's cheating at that point. And. so, then he cried. At least it's against. the rules. Come on. No. God damn it.

Then he cried and so, I took him back. cuz you know, I've loved him since I was. like 16. >> he looks like Ray Charles at THE PIANO. >> [laughter]. >> NO. ALL OF YOU. >> BUT then I found out recently, and I. didn't find out until these statements. that he's still doing it, but not only. that, he does it when he's putting our. 6-month-old son to sleep. >> Oh, damn. While he's holding our baby.

Oh, he's doing it again. While he's. holding our baby, putting He does this. with his eyebrows when he lies, too. That's what that look is. It's he's. about to set up some but. It's what it is. He does it when he's. holding our 6-month-old baby boy that. he's trying to put to sleep. He's in. there sexting AI while he's trying to. put our son to. >> Okay, first of all, first of all, take. the W. He's still there. That is true. That is true. THANK YOU. I DON'T THINK HE HAS a choice, but we'll. get into that. >> [clears throat]. >> do got a choice. You think that's how. you get more into it. You'll see. He. won't. Oh, damn.

Wait till we get into the mommy issues. He doesn't have a choice. Run it back, run it back, run it back. Let's. [laughter] talk about the actual thing. we here to Yeah, so AI don't find You're. paying for it while you guys make no. money. No. No money. So. It's all right. He has supplemental income from his. mommy. So, it's okay. Damn. Can I get my off? Go for it. Thank. you. Get your off. >> Okay, look. All right. I. consider it a hobby. It's hobbyist work.

All right? This ain't This ain't no And. then this this it it works in two folds. It works in two folds. I'm looking at. you, Tyler, cuz I need I need I need you. to be be my my black savior. >> here. I'm here to listen. I'm here to. listen. >> Let's get it. Let's I'm the only girl. It's a bunch of guys. See if they agree. with you. Yeah. Yeah, okay. So, first of. all, first of all, how she How she. considers it cheating is she went to. work and asked a bunch of her friends, "Hey, a friend of mine is doing that. They're doing that. I I posted on the. Like they Like they all in in trying to. her I posted on the I. But listen listen my dog. Listen my dog.

You know you know white girls like to. talk. So, that's what's going to happen. They're going to do that. And then she's. going to get advice from other But if. you lay down a boundary respectfully, if she I was just going to say what she. said. >> If I lay down a boundary, I lay down No, that's what I said. I. MY WHOLE THING IS I DISAGREE WITH THE. PREMISE TO BEGIN with cuz we ain't. talking about real people. But then why. did you bring that up though? Why did. you Why did you bring that up though? Why did you say like I don't agree with. that? You said I'm okay, I won't do that. no more. And then you kept doing it. You. feel me? You said no more. Yeah, you. said no more. And then you did it. Okay, so here's how addiction works, right?

Oh, here we. Here we go. All right, look look look. look look. Both of you are on very thin. black ice right now, okay? Black ice is. the scariest kind. Yeah, the road is. slippery and y'all about to get off. road, all right? So, chill the out. All right, so. real quick. I understand. By the way, why does black ice always. allow Dodge Chargers to just coast. safely along that? >> racial. It's not racist, but it's I've. never seen a Nissan Altima crash with. black ice. It's the body type. You know.

what? I never crashed a Nissan Altima. No, you know that thing beat up. It has. No, it's no longer existent. >> Yeah, any Nissan Altima always got to. beat up. >> That's what he had was a Nissan Altima. You can you can sit inside of it. So did. I, right? I'm one of you. I had That was my like second car was a. Nissan Altima. Yeah, he knows. That's. why I've been through We ain't going to. talk about that yet. Um anyway, Nissan. Altima. >> The The point THE POINT I'M THE POINT I. WANT TO WHAT I'M TRYING TO GET OFF WHAT. I'M TRYING to get off is. all is this is This number one is. hobbyist, right? So, number one, I'm not. very good at the romanticals anyway,

generally speaking, right? So, what I do. is I run the simulation. What is the. simulation? The simulation, all right? I. have one that's based off you. Type Hold up. Hold up. Hold up. Got all your your your idiosyncrasies, you know what I'm saying? All your. little habits and all that I. practice arguing. >> That's even weirder, all that stuff. >> IT'S NOT. IT'S NOT BECAUSE YOU ARE A DIFFICULT. PERSON TO ARGUE WITH. It's cuz I'm. better than you. But be real. But did. you not learn your lesson if last time.

she kicked you out type. No, okay. So, one, they kick him out. Two, I was 7 months preg- 6 months, 7. months pregnant, whatever, when he he's. done it three times that I know about. 7. months pregnant and he almost caused a. miscarriage over the fight because I was. so pissed cuz he started lying to me. that I got so pissed, so stressed. I was. already super high like high pregnancy. high-risk pregnancy that he almost. caused a miscarriage and then did it.

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just like you, for people just like you. No private equity, no gimmicks, [music]. just the best budgeting app there is. Download it now start the free trial. dollarwise.com, link in the description. below. Yes, we can agree it might be an. addiction that doesn't excuse it. >> "Hey, my addiction is going off and like. having you watch me other people.". You come tell me, "Hey, that's not it.". >> That's a whole different thing though. I'm just say no, it's not. What I'm. saying what if I come to you and I'm. like, "Hey, that's my thing." and you're. like, "Hey, I don't want to watch you. other people." then I'd be like,

"Okay, then just wouldn't do it, right?". You know, it's a boundary. >> But that's the here's the problem. though. Here's the problem that you. always run into. >> or not. >> very much matter if they're real people. cuz guess what? At a click of a button, that. gone in the air. It's gone. >> But your mom had to put a child. protection thing on your phone, YOUR OWN. MOTHER. >> YES. >> OH, WE GOING to get in the bed because. that's some Okay, so we. getting a we getting an argument, right? We getting I'm I'm sorry. I keep moving. and that's the thing I shouldn't be. doing, but I'm doing it anyway because. I'm a little bit upset because every. time we have an argument, you got to.

bring my mom's into it. She don't need. to know the we get into, but but. you talking about like, "Oh, she saved. the relationship type Oh my god. Oh, yeah, she begged me to stay with. you." You know those like um you know. those like on TikTok they have like. mama's boys that like are way too mama's. boy mama boys. >> No. That's his relationship with both. his mom. Look, it's a my mom And his. >> you're so into the milkers. Yeah, mom. and Woah. No. [laughter] No. No. No. No. Listen. Listen. Listen. I ain't going to. let you get that Mom and his mom like. his grandma. >> to let you get that off because here's. the thing, right? My mother and.

grandmother supported me singly, right? My mom was a single mother. My mother. and grandmother We We already knew that. We already knew that. Right. Right. But. like type though. That's real. Because here's the thing. Here's thing. >> Okay, he's from a gated community. Bro, I only have MY MOM THOUGH. EXACTLY. YOUR MOM YOUR MOM A WEAK NO, YOUR MOM A. WEAK. WHAT IS SHE? SHE got a college She got A DEGREE. SHE. GOT A BIG BIG WALLET. Top She did. the work, right? Yeah. Yeah. Yeah. Yeah. And so I respect that. And if she wants. to help me out on my times of need.

>> the record, she doesn't want. >> If she at the certain point in time it. got a little excessive. But yeah, at the. certain point in time wanted to help me. out in my time of need, it is not my. fault. It's not my job to deny that, Right? >> His mom threatened to sue him for all. the money back because he borrows so. much money from her. No, she loves me. She ain't going to do. that. But like here's thing. Look, I don't even ask my grandmas for money. She just see my old Oh, yeah, fun fact. He shares a bank account with his. grandma. He even said I had that since I.

I had it since college. I just never got. rid of it. I don't It's not my fault. >> So and you're 31, when are you going to. grow up and actually take care of the. household without my main income? >> a little low in his bank account, his. grandma puts money. >> the time. I don't know how you guys pay. the bills. What's the rent? What's the rent the house? >> $1,400. >> Okay. So that's that's more than half our. That's more than half our income. immediately. No, I will say. >> early and I was trying to make it. make I tried to make it work. I tried to. make it work. >> Me being me, I had a bunch of money. saved up before I went on leave. So. >> you, what do you mean? What What do you. Who are I'm I'm way more responsible.

financially except for right now. >> 7 years. I don't know. You only made it. to 20 bucks an hour. I think Well, yeah. >> For For DFW, this is not a great income. That's I mean, it's not, but I mean. >> That's not I'm not sure about that. I. budgeted in my money well enough. >> that I was able to survive on my own. I. was good. Yeah, on your own. But now you. guys have a kid regardless. Like. >> account and everything, which he took. all of my savings a month into the. relationship. >> A month in, he took like six grand from. me. Like a month in, basically, like a month into the. relationship. >> He took my He cleared out my savings.

account. Cleared out? >> Cleared out my savings account. Let me let me Explain what happened. Look. Let the big TYT explain. I can't be. defending you too much. A month in, we. only dated for a month. I'm trying to. help you out here. Huh? Huh? I didn't. ask for all of it. Okay, so here's the. thing, all right? A month into our. relationship, I got into a little. accident. It was a It was a medium. accident. It was a medium accident. Was. it the Was it the No, yeah, that was a. medium accident, all right? Um. I had to figure out I had to I had to I.

had to limp the I limped the car home. and and then later on, I went to. try to get it fixed. I put in the shop. None of the things that I had that was. you know, insurance-wise and those. liability and not collision. I didn't. get collision till after the wreck cuz I. tried to get the. I tried to get the. You know what I'm saying? Uh I tried to get that, and then. >> [gasps]. >> So, I needed some money to get the. out. To get the out the the the shop. So,

I pulled out money. You probably got. some of that on the paper. I pulled out. some money. And. I I just asked her for I only asked her. for a thousand so I can get the rest of. that out. But then more payments came. in. >> version of the story ever. I'm telling. the correct version, baby. >> Titus, listen. With all this together, I. mean, I know. I just have to call it as I see it. In. the middle of the argument In the middle. of an argument about this AI. you accidentally hit her in the face. She got a black eye. While I'm.

finishing, she got a black eye. She. cried for 20 minutes. He sat next to. you, and you masturbated to anime on an. AI site. OKAY. OKAY. SO, THAT'S THE. REALITY OF WHAT'S HAPPENING IN THIS. HOUSE. LET ME EXPLAIN WHAT HAPPENED. I WAS 7 MONTHS PREGNANT. I could not get. up on myself, right? I was huge. And so, I pulled up on him. The hitting me was. kind of an accident. >> an accident, not kind of. I pulled up on. him and he elbowed me back so hard. He. has broken bones on me, stuff like that,

accidentally. >> Look, okay. >> We roughhouse really bad, y'all. >> This is roughhousing. He did like CPR on. me and broke my ribs. >> fake CPR cuz it was on the bed and I. thought the bed would like absorb the. downward pressure if I let up if I let. up the upward pressure, but that's not. how CPR works. What. are you doing, Batista bomb on THE BED, TYLER? I DID I DID. I DID FIND BUSTER her once onto the bed. my back up for a week. You gave her a. black eye, she cried for 20 minutes, and. you masturbated to AI next to her. While. I was crying because he said I cried too. quietly that he didn't know I was still.

crying. And in the whole process, he didn't. check on me once. >> baby, baby. >> Baby, I need you to shift. >> point was I have never cried. >> this part of the argument. I'm just. trying to get my off. >> point is I have never cried. I don't cry. in pain very I handle pain very well. So, if you see someone 7 months pregnant. that you've known forever that's legit. >> months pregnant? So, this 7 months. pregnant, legit crying, full tears in. pain who never cries when they're. hurting, your thought process is I'm. going to jack off. That's what I'm going. to do. Okay, so no, no, no, no, no, no.

Chill. >> So, so, It wasn't even 2 minutes later. So, the situation entirely, right? It was. up. I ain't never hit a white. woman before. IT WAS. THIS WAS YOU. IT. WAS, BUT HERE'S the thing, here's the. thing, right? >> abuse is abuse. Well, I ain't never hit nobody before, okay? >> a white woman. >> I I ain't I ain't hit nobody. I just. said I just specified the category of. nobody that I've hit, which is white. women. I've never hit them, right?

>> what? I don't talk about people I don't. them as a race, Tyler. When I say I haven't done this to. someone, I don't say to a black person. >> [laughter]. >> Or to an Asian person. >> Doesn't make it less true. That's the. thing, right? Just cuz I Just cuz I. specify don't make the rest of it not. true. Check it out. So, she turns over, right? Like I'm I I'm like, "Babe, are. you Did I actually hurt you? Are you. okay?" Right? I did all I did all that. I did all that. You agreed I did all. that, right? >> But, Titus, this is the concern. When. she was telling the story to Colton in. the pre-production, you muted her phone. so she couldn't FINISH THE STORY.

>> HUH? He did mute it. >> I DIDN'T DO THAT. He did mute it because. he didn't want me to finish telling the. story about him actually going. >> out where she was going with it. >> BECAUSE HIS WHO WHY SHOULD THAT MATTER? SHOULD SHE NOT BE ABLE TO TELL THE. TRUTH? Let me finish getting my off. All. right. So, let let let let. >> said his excuses he had no choice and. had to do it. >> Whoa. Hey. That's what he said at. Colton. >> to me? That's what he said at Colton. >> not giving HER A BLACK EYE. YOU had no. choice. You had to beat her. You had no. choice. >> a huge black eye, too. Seven months.

pregnant, giant black eye. Time out. Time out. Time out. I. understand what this looks like, gentlemen. >> It's all men. You're going to tell me. that y'all never got boners and haven't. been able to, you know, not jack off to. your crying girlfriend next to you? I've. made it work. YEAH. EXACTLY. AND. CAN YOU HOLD OFF WHEN YOUR GIRLFRIEND IS. CRYING OR CAN you hold off and wait a. minute? >> I've been able to bring it down. Look. >> You You didn't You know, you lack. control. >> Eventually, I'm going to be able to say. my piece. It's like something possessed you. In. this whole In this scenario, I'm.

basically going to be able to say my. piece. >> Look. Titus, listen. I uh You guys can. come here. Um I just I want you to know. you can trust me and feel confident. >> Oh god. >> I wanted [laughter] to show. I wanted to show you my collection. collection. >> I wanted to show you my collection. You. know that you can be honest with me. >> collection? >> be honest with me. >> You guys have to [laughter] go a little. further this way. Yeah. >> You can be honest with me and trust me. You don't have to mute her mute her. phone call. This is a safe place,

gentlemen, isn't it? I feel very safe, very comfortable. 1,000% 1,000% I feel. safe. She's getting called. All right, so Okay, they don't look like. they're holding a phone. What kind of. get out of this? Cuz this is some. Thank you. Thank you, lads. Thank you, friends. I appreciate y'all. boys, man. I appreciate y'all boys. I didn't watch that movie, so I need to. know like like. >> I just want to know you're safe. You can. be honest here. >> Okay, I'm being 100% honest, right? Wild and crazy. I. I'm going to be 100% honest, right?

It was a situation. I I did check. on you. I said, "Where" Hold on. I did. But like time was I didn't I. don't know what the difference of time. was between me checking on her and what. happened was. So like she had turned. over, right? And in my mind. >> crying for the record. I did not know. she was crying. He said I cried too soft. for him. No, he didn't. say I cried too quiet like. >> cry right. LIKE WHAT? >> [laughter].

>> WHAT DOES THAT MEAN? LIKE WHAT DO YOU MEAN SHE DON'T CRY. RIGHT? WHAT does that even mean? So you'll give her a reason to cry? That's why she got the black eye? His. mom apparently cuz he is a mama's boy, his mom cries loudly. So the fact that I. didn't cry loud enough for him meant I. wasn't crying. That is what he said. Even if you didn't know she was crying, why would you not check on her. frequently after a black eye? >> record, he never checked on me except. for the first thing he said, "Oh. did I actually hit you?" And I didn't. respond because I was holding my face. full tears like falling holding my face.

>> here's what I mean, right? Here's what I. mean, right? Here's what I mean, right? She turned over. She turned over. She's silent crying. It wasn't silent crying. So somewhat It. was not silent crying. >> loud enough for him. It wasn't silent. I. figured she right now is afraid of me. because I am going to jack off. >> So I don't think she wants me to touch. her right now. Because this is not the time to be like, "Oh, baby. Oh, baby, are you okay? I'M. SORRY. I ACCIDENTALLY hit the water on.

you. I did not mean to do that shit.". But. He said water like Chinese. CUZ CUZ CUZ [laughter] CUZ CUZ THE PART. OF THE story that y'all are going to be. be be forgetting because what had. happened was. she had All right, I want you to take. your arm right here. Grab the just grab. a grip of the meat. >> I didn't even have nails at the time. She didn't have nails, but your nails. your sharp like mine. It's short. and sharp and deadly. All right. She. grabbed the grip of the arm meat. And I. didn't expect her to get up because I. wouldn't not like get up from the hit. Chill. Now, I I didn't expect her to try.

to get up. Even though I sat up I I sat. up. You you sat up. And for the record, this isn't a new thing. I hadn't been. able to sit up on my own for a while. So, this is it was a new thing. >> Okay, but you didn't you didn't you. didn't warn me. >> me sit up. I was so pregnant. I couldn't. get up on I'm not asking you to agree. with me, but I'm asking you to. understand. All right. All right. If. something hit the somebody like if. somebody grab you here, right? Your. first thing is ah, get off cuz you don't. know what's going on back here. He's. just she's pulling you up, right? >> Yeah. Yeah. So, she just without Even if.

she said it, she didn't say it loud. enough for me to hear type So, okay. So, okay. Now you understand it, RIGHT? >> DON'T UNDERSTAND. WHAT ARE WE TALKING ABOUT, BRO? YOU'RE ACTING LIKE THIS IS GOING TO BE. I'M. YOU KNOW WHAT I'M SAYING, BRO? YOU'RE IF. IT'S YOUR GIRL, THEN YOU IF YOU JUST HAD. ROACHES IN THAT APARTMENT AT THAT POINT. IN TIME, I DIDN'T KNOW. AT THAT POINT? I WASN'T DOING IT AT THAT. ONE. NO, NO, NO. That was after I was in. the hospital. I was in the hospital for. a month, and he trashed it. Plus, even. if you didn't hear her crying, you know. the AI issue. Why did you jack off to AI.

next to her? >> And not even in the bathroom. We had a. two-story. >> And you know that's her issue. We had. two stories. I was in between a rock and. a hard place. Chill out. No, um I was in. between a rock and a hard place, right? Cuz I knew if she did not want me to. touch her because she is dealing with. the thing that happened. at that time. >> Why did it HAVE TO BE AI next to her? Her one thing. No, Cole, Cole, THAT WHY. ARE YOU PLAYING WHACK-A-MOLE NEXT TO HER. WHILE SHE'S ROLLED OVER ON THE OTHER. SIDE? I'M TRYING TO BE WHY ARE YOU A. BLACK GUY? I'M BEING YOUR MEAT. COLE,

YOU LIKE, "OH, SHE DON'T WANT ME TO. TOUCH HER, SO I'MMA SHE NOT EVEN IF YOU. WANT TO BE JERKING OFF. Even if it was a. moment he felt like jerking off. There. is a bathroom. There is a whole. downstairs, a living room because we. lived in a townhouse, so there was a top. and a bottom floor. >> YOU DO THAT FOR? >> NEXT TO LEAVE THE ROOM. NOW, GRANTED, I. don't look great right now. I understand. >> been better. Would it have BEEN BETTER. IF I JUST DISAP- IF I IF I HAD DID THAT. AND disappear cuz like I knew it I was. between a rock and a hard place. She. didn't want me to touch her because she. was dealing with all that and she I.

probably didn't want me to leave the. room cuz then I look like a. I didn't want you in the room. What time? And then I just left her and. cuz I was in a whole separate. conversation to begin with and then in. all this confusion and psychological. uh Cuz I have to just you stopped with. the say I So, this is her request. And. we're spending money on it when your. rent is 60% of your income. That cannot be where money's going. It's. simple as that. And she has left this. apartment Have you almost left? I know. you kicked him out. Have you almost. left? >> did leave at one point and then. >> go. So, multiple times. And listen, I.

understand maybe you didn't hear her. crying. Your ears are tiny. God put it. all in the nose, okay? So, like I. understand. Maybe that happened. Hey, bro, you [laughter] all I can't defend. you, bro. I can't defend you. All right, listen to. It says you we we both twins. Like I. said, I've been saying this since I'm. walking in the shower. >> not look like that. >> is different but we both got that you. know what I'm saying? But we BOTH GOT. THAT. >> HERS is bell pepper style. >> Listen. Listen. I'm going to tell you. this, my I'm a translator. I'm. here to translate. You listen to. whatever he got to say. I I can't help.

Can you translate it to nigganism for. me? Oh, yeah, I got you. You want me to? I got you. I got you. He said He said, "Punk ass why the is you still. paying for a goddamn AI girlfriend when. you ain't got THE MONEY TO PAY FOR THIS. YOU HALF YOUR INCOME IS GOING. TOWARDS RENT, SO, why the. are YOU PAYING FOR THE AI WHEN YOUR. GIRL TOLD YOU TO STOP, TYPE. >> CRAZY. >> THAT'S WHAT THAT'S WHAT HE'S SAYING. OKAY, so here is the deal, brother. Here's the deal, right? The The amount. that is going into that, number one,

I'm just Here's how I'm justifying this. >> Don't look at me. Here's how I'm looking. at you cuz you moved on with the. conversation. >> Been there, done that. Here's how I'm justifying it, okay? Number one, right? You get mad at me playing video games. with anime girls in it that I ain't even. trying to go into type All right. So, how. That is stupid. That's stupid. No, no, no, no, no. Let's do a little correction. here. Let him finish. Let him finish.

Let him Let him finish. Don't you Yeah, let him finish. I'm going to finally be. able to get my off for once in an. argument cuz you never let me talk. I'm. going to get my off. >> See, this type of I'm talking. about. See, this type of I'm. talking about. All right. All right. You get mad at some right? So, if I'm not able to breathe here, why should I This is a road you don't. want to go down cuz now you're going to. be embarrassed, but go on. Let Let him. go. Let him go. >> I'm going to let him go. Keep going down. that road. Go down that road. Keep. going. Keep going. Don't respond. All. right. Right. Um.

So, like at at what point. I don't get nothing that's mine. Like, for real. Like, so like here's the deal. Here's the deal, right? We made a deal many years ago. Mhm. We. made a deal that if you didn't see it, it didn't happen type Mhm. That. was the That was the crux of the deal. Nope. It was at least try not having. that all over your phone because we're. about to have a child. And if our child. gets your phone, he doesn't need to see. all over his phone.

We weren't talking about. We weren't talking about AI We weren't. talking about any of that. I said, his. whole YouTube feed ended up AI like It. wasn't it's just anime. It's just anime. It's not on YouTube. You know what I. mean. Like half naked anime is all over. it. I said I don't want our son to see. that. When he's in your phone, I feel. like that shouldn't be all he's exposed. to. >> you innocent right now because don't you. give money to your ex. consistently over time? >> how can we do that if literally rent is. 60% of our income?

>> I don't pay rent. What? I don't pay the rent. Well, how are you giving her money? What. what what what what what what what what. money? >> What money? You don't make money. What. money? >> Cuz I saved money. I told you. >> But you said he took all the money. No, no, no, no, no. He took that at the very. beginning. We've been together for like. 3 and 1/2 years. >> savings left that's being drained. sending to your ex? >> there's like a little bit of. >> You met him in high school. Your ex must. be so long ago. So I So I met him in. high school and then we weren't dating. though. We were just really good. friends. Why are you giving money to.

your ex? >> Cuz he's you know he gets really poor. sometimes and then he Poor bored or. poor? >> Poor cuz most of his money goes to like. weed and stuff. >> are poor and why would you enable that? >> FIRST OF ALL, WHY IS HIM BEING POOR your. fault? >> Cuz we're still friends. How does that. make you feel? That wouldn't make me. feel good. >> I ain't going to lie, bro. I'll crash. out, bro. So like I I knew this from the. jib joint, right? I knew that from the. very beginning. >> record, I told him I was still friends. with my ex and he had the option to say. it was a problem or not and he said it. was okay. I don't want y'all to think. I'm not super respectful. I asked, he.

said it was okay to stay friends. >> Being friends with your ex is different. than giving money to your ex. That's a. whole different thing. Also, if his. perspective changed and he was no longer. okay with that. >> He also didn't fully know about me. giving money before we talked about it. So. Uh I got to be careful about the hand. motions I make because of the COVID and. the Don't say that. Don't say that. Don't say that. It's already a bad rap. on us, bro. Don't be saying that. Mhm. >> Yeah, yeah. Mhm. Yeah, just called it. off. You know, we good. Mhm. When Obama, everything was going great. >> And man, man Obama You're bringing us.

down. All right, so look. Look, okay. She. really feel bad for this brother. because. And he has a brother? He black? No. He. is black. Oh. He is just black. Not. brother. >> Okay. Yeah. >> But that's what I'm not. Right, right, right. >> Yeah, yeah, yeah. He is black. >> I'm just very hard on my R's with the. brother. Un- understood. Understood. >> Only brother. And I am hard on my R's. with the crackers. So, you know, I only. like Ritz, Reese's, and and other.

Yeah, you know what I'm saying? So, it's. all good. It's all good. We we. understand each other in that land. >> Yeah, yeah, yeah. All right. So, she must feel bad for this man. because he was poor during the. relationship where they were living. together for the 7 years they were. together, right? And then for some. reason after she left because of the. exact reason why he's poor now because. he spent all his money on weed and. reefers, right? All all that. For some reason she'll she'll contact. her and be like, "Hey man, I can't. eat. I haven't eaten in 2 3 days.

type Can I come by here? By the. way, can I can you give me the gas money. to come by up there so I can pick up. some of the some of the frozen dinners. y'all got because I know y'all got. them.". >> was like super bad. It was literally. when when y'all called to do the long. one. Uh my ex showed up and I didn't. tell him and he showed up to like clear. out our freezer cuz he didn't have any. money or didn't have any food. >> You just need to say this. Look him in. the eye. You're with him. I finna cut you off. We no longer have any money dead ass on.

God. Okay. No cap. I was Judas. I speak jive. >> Oh, good. Add that. Add that part I'm. saying the N-word. >> Please do. No. >> Add that guy. That's the end. You guys. don't have money. >> But I feel bad. >> I don't care. You Do you feel bad for. your kid? Do you feel bad for the. relationship that's happening now? You. guys have to take care of him and the. savings is probably the only reason you. still have a roof over your head. I mean, what about the savings? >> Okay. Um okay, so bill wise I pay all.

the bills he just pays rent. >> You pay a $200 funky ass electric bill. I pay all of the bills. He just pays the. rent. I do all the groceries, the phone. bills, everything. Even though I'm not. working for the record. I have like. around two It's going down from here. >> There's about two grand I think in there. now. A grand, two grand. >> Before it started going down. >> Like seven. Okay. See. I think it's going down. Over the course. seven to two over how long? Uh probably. since I've been out of work, so. So six.

months? So six months. So at this Okay. Well actually before that. Before that. That's when the baby was born. So. actually it's a year. >> I was still getting my maternity pay. You That counts. Okay. You have three. months max until savings is zero and. then you guys might be on the street. >> So but I Okay, so I'm trying to get a. new computer. >> I'm trying to get for the record that. wouldn't happen cuz his mommy pays his. bills. But for I am I tried to buy a new. right so I can start working from home. My computer died. So I was like I need. to get a computer so I can work from.

home so I can do all of the. so I can do all of the take back over. the finances cuz before that I fully. control finances. So I was like I need. to get a new computer. I saved up money. for a computer. I had it dedicated for. the computer. He got his car towed, couldn't pay for. it and made me pay for it to get his car. towed out of the tow yard and then. brought. back to our unit and then still ended up. losing the car to the tow yard because. he wouldn't clean it so he could sell. the car. >> Okay, fine. Yeah, complaining about your. current guy but your last guy is asking.

you for money for food one to two TIMES. TWO TWO ONE TO TWO TIMES A WEEK asking. for food. >> But he Yeah, not food, just money for. gas. >> Money, not food. Food is tangible. Food. is real. >> sometimes. Food is Food is an item that. can be traded for goods goods and. services using money. But. >> [laughter]. >> but How reliable is sometimes though? You got to cut this dude off. You can't. do that. You don't got no money. >> I don't care they lost 50 lb. He looks. better as a crackhead Cuz he wasn't. eating. He lost like a ton of. weight cuz he has so many Okay, are we. putting our current funds or our ex?

Come on. Answer it. Come on. Where are. we? In the subject says I feel bad. We. were together for like 7 years. >> care if you feel bad. You should feel. bad when in 3 months your savings is. zero, rent is 60% of our income, there's. a lot of paperwork here. So I'm about to. jump into the finances. That means we. could be homeless because the minimum. payments might be egregious. Come on. Yeah. Yeah. >> You guys are both No more money to the. ex, no more money to AI girlfriends. >> First of all, first of all, tomato and. also tomato. Check it. Like the my my.

spendings my spendings is pales in. comparison to what she had pales in. comparison. [laughter] all that. STOP. PAYING FOR THE GOD DAMN AI girlfriend. YOU DON'T HAVE NO MONEY. >> IT'S $10. I DON'T GIVE A GIVE ME $10. YOU KNOW HOW MUCH $10 ADDS UP? HOW LONG. YOU'VE BEEN DOING IT? How long you've. been doing it? I might get No, no, no, stop. How long you've been doing it? >> We ain't trying to Yes. All right. HOW. LONG YOU'VE BEEN DOING IT? TELL me how. long you've been I only paid for it. since the. I only paid SINCE THE LAUNCH. NO, NO, NO, NO, NO, NO. BECAUSE FREE SERVICES. EXIST, I UNDERSTAND. I UNDERSTAND.

FREE SERVICES EXIST, RIGHT? I only paid. for it to up the quality, not the. quantity, no, All right, that's. the only thing, right? So like So like. the So like when you when you when when. you started, you get all the free. right? And I did the free for many. years. For all for all those years that. we talking about, I did the free. But here's thing. Here's thing. Sometimes the quality don't match the. quantity. So sometimes you got to. Sometimes YOU PUT $10 INTO A POOL. >> Guess what? You You know what you can. sometimes do? NOT DO THE AI GIRLFRIEND. STOP PAYING FOR IT. AND. THIS YOU WERE KICKED OUT FOR A WEEK.

>> What we doing? She's thinking of. leaving. Come on. AT WHAT POINT? >> PEOPLE, GUYS. >> BUT she's done. It doesn't matter Okay, it doesn't matter if it was a boundary. in my opinion, it doesn't matter. Like I. was like a beginning of it, you know, everyone got their own fetishes, whatever. In the very beginning, if you. have a boundary at the very beginning of. the race like before you get into it 1. month in found out about it. If I set up. that boundary it shouldn't matter. If. I'm like, "Hey, I consider this. cheating." I don't give a if you do. or not. Then people consider it cheating. to be different things.

Cuz I don't understand it. >> matter if you don't think it's cheating. or you don't think it's real people. It. was a boundary I made the beginning of. the relationship. That's all that. matters. I don't think it is actually. cheating. >> to stay with me you agreed not to do it. That should be that should matter. What. do you guys think your household. financial score is zero to 10? Zero. being the worst, 10 being the best. Raise your hand if you've been putting. off a doctor's appointment. Be honest. Dental cleaning, annual checkup, that. weird thing you Googled at 2:00 a.m.

Yeah, my hand's up, too. And thanks to. Zocdoc for sponsoring this message. because here's the problem. When. something feels off most people just. doomscroll symptoms, convince themselves. it is either nothing or the end of the. world, and then do nothing about it at. all. And Zocdoc fixes that. Zocdoc is a. free app and website that helps you find. and book high-quality in-network doctors. so you can find someone you love. You. can see real patient reviews, filter by. your insurance, find someone nearby, and. book instantly. No calling offices, no. waiting on hold, no excuses. It just.

makes the whole process simple enough. that you actually follow through. Stop. putting off those doctor's appointments. and go to zocdoc.com/caleb. to find and instantly book a doctor you. love today. That is zocdoc.com/caleb. Zocdoc.com/caleb. Thanks Zocdoc for [music] sponsoring. this message. Let's get back to the. podcast. Summer is the perfect time to get your. budget in shape. And now that Dollarwise. is officially the best budgeting app on. the market, I'm giving you a special. deal to download, but only for a limited.

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download, so you can also get your body. in shape, too. Don't wait until your. first vacation to try to get your. finances together. [music] Go to. dollarwise.com or click that link in the. description below. That sound? Um like collective of one. I'm a No, probably less, probably zero. No, it can't be zero cuz we we we do. some we we have some step towards the. right direction. I'mma say four and a. half to four. No, it's going to be zero. Okay, if. >> Out of 10? Out of 10. Out of 10? We We.

call it four. If you want your Hammer. Financial Score, get it for free at. calebhammer.com. Just takes a few. minutes to fill out. See exactly where. you stand in the world of money. Again, calebhammer.com, that is free. And if. you don't want to be like them who ends. up on this show, you'd know where your recurring charges. are. You'd know where all your money is. going. Oh, yeah. >> If you downloaded the DollarWise. budgeting app, with that there's a free. trial to see if you like it. Most people. take the annual version because it saves. a lot of money, and you get my. personalized physical 30-day meal plan. detailed for every snack, drink, meal.

for a whole month that you can use on. repeat, and my digital version of my. cookbook. I'm signing that thing and I'm. mailing it directly to you. Sign up, download DollarWise, click the link. below, go to dollarwise.com. Um okay, okay, I want to go to this in this Amex. that your grandma might be using or. something, but like when do we even talk. about personal finances in this house? How do these conversations go? Because. this has been. chaotic. >> Okay, so we don't really talk about it. cuz I don't I'm not allowed to know his. finances half the time. What? >> He knows everything I spend on. Like. that's what the thing is. You're not.

allowed to know. >> allowed, you just don't ask. Oh, you. don't ask? Well, then what's the deal. with. I do ask. And then figured out that's. when I found out he has like I have it. >> I gave you that information freely, dog. >> Because he didn't know it was on there. He has I didn't. >> even agree on whether or not she asks. I. do ask. >> You don't, dancer. >> And we I've tried to sit down and make. budgets and he's like, "Oh, this is all. I have." And then when I went to come on. the show, I found out he has like. multiple things that he pays for on. Google, multiple YouTube subscriptions, multiple. >> them doesn't mean I lied. >> multiple Patreon subscriptions.

>> lied in the house. I just straight. forgot about them, though. >> Yeah, he forgot, apparently. I I yeah, I. forgot. YEAH, HE HAS XBOX SUBSCRIPTIONS. THAT he never When you have the ADHD, sometimes you just don't remember. Sometimes I put Sometimes you spend. money on some Patreon accounts and. that you forget that you actually had. the Patreon account cuz you leave it off. the phone and. >> then It's not even that much. It's like. $2, $5, $6 type It's not even like. It's NOT EVEN LIKE I ADDED IT UP. When I. finally got it, it was like $300. >> Okay, so when you've asked, when you've. asked, okay, he doesn't agree with you. that you asked, but what How does that. go? >> rent and gas.

That's what he tells me. He says, "All I. pay is the rent and I pay for gas." When. he still had his apartment. >> and the one loan that I that I told you. about. I told you about it every time. >> just have no clue what debts you guys. actually have. >> I don't know what he has. I know what I. have. >> either. >> He knows what I have. >> we're not getting married. That's. insane. >> know. I told him no when he asked. That's one of the leading causes for. divorce in this country. Finances. I mean, look, okay. Single mother. Single grandmother. You want her to be a. single mother? That's not fair to your.

kid. >> I I don't I'm trying to work this out. That's half the reason why Why I thought. we were here for. Okay, when you've. tried to work it out, tell me what that. looks like. >> even want to come on the show. You. didn't. ask me, ma'am. You did not ask. >> I'm just saying you didn't even want to. be on the show. >> me. That one? Let him. All right. Chill. Okay. So, I will go off the pay the the uh the. money I know is coming out because I. look at it, okay? So, this is I tell the. I told her about told her. That's crazy.

Uh I told her about the YouTube but. subscription. I told her about I did. It It's a necessity. We all We all. agreed that it is. I told her about the YouTube. subscription. I told her about the. memberships I was in on YouTube. I told. her I didn't tell her about the Patreon. >> Radio Ali? Who? I didn't even watch your. show. No, I did It's literally the best. and largest one on this platform cuz we. got three shows every single day, six. days a week. He's He's like one of the. He's the head producer on that. >> Come on now. It's the best It gives more.

than any other YouTube membership and. you're not even part of that? You're paying for the others? What's. wrong with you? It's a dollar for the AI. girl. Rap so petty. It was Yeah, come. on. Well, anyway, I told her about that. You could be jerking off to us three. times a day instead of AI girlfriend. Wild and crazy. Please stop. Please. don't say that ever again. >> face. He can I do? Yeah, huge. What does. I mean yeah, but Especially that one. time you went and shaved and you looked. really I watched your show a while Was. it bad? >> It was so bad. >> an acc It was so It was an accident. >> I WAS LIKE NORMALLY he's pretty okay. looking and this is bad. IT WAS AN.

ACCIDENT. He shaved ALL HIS HAIR. >> WHO DO I NEED TO PAY? I can get you like. a Sharpie to connect that up for you if. you need me to, dog. Like I I got you. If you need me to. You can get crispy like this. You can. get like that. >> He's basically saying he could draw a. hairline for you. Yeah, and then and. then you know what? Over time with. enough prayer A little Rogaine. a little. Rogaine, we can get you we can get you. straight crispy like me. It's all good. You said you've tried to. approach the subject. I The ADHD is.

crazy. It makes me forget things. All. right. So, I told her about the little thing, YouTube, the notice coming out. I told. her about the memberships in the. YouTube, the those little that little. funky $10. I knew that I knew that was. coming out, right? I told her about Xbox. even though I didn't play it for a year. I knew that was coming out. I didn't. know they increased the price. That's on. me. I That's my fault. That's my fault. I knew They're lowering it though. They're lowering it. They They are. It's like the only subscription ever. that's getting lowered. Yep, Xbox Game. Pass. Oh, Hey, so Keep going,

psychic. All right, later. So, tell them about that. >> Thanks for that. I did not tell her about the Patreon cuz. I forgot about the Patreon. I told her. about the loan that I was paying for, the Navy Federal loan. I told her about. the $80 that was coming out of check on. that one, right? Told her that was. coming out. I told her about the car. insurance when I had the car. It was. like $270 cuz I keep cars. Liability, just liability. It's How does. this world function like this? I don't. know. But, anyway, told her that was. coming out. Did you tell her about. Cricket? >> Who? Cricket Wireless.

What do you mean, Cricket? Did you tell. her about your Cricket Wireless? Yeah, his mommy pays his phone bill. Okay. Yeah. They'll see you soon. No, they. won't. So, I'll keep paying it. Okay, so you're telling her your bills. That's. >> her the bills. Big big Yeah. >> Big league, small league. I'm telling her the bills, all right? I. told her all the things that I know. about off the rip. I'm not looking at my. as I'm telling you. So, I don't see. the extra that I'm that that she. saw when I sent her the bank statement. to be on this show, okay? I didn't see. that, okay? So, that's why I.

I feel like I'm being honest cuz it's. not it's not lying if you forgot. straight up. >> This is all lying. For the record, this. is all lying. He didn't tell me this. How do you guys want the household. finances to look like? >> Better than it is now. >> no, but in like what structure? With. combined accounts or what what are you. trying to say? >> them over cuz for the record. >> over is different because what if he. doesn't want that? I don't know. What do. we want the household finances to look. like in terms of. >> not mind I do not mind sending. whatever money I need to to cover my. side of. >> it over.

to her. as long as I got my little on side. not for her I just for personal. >> Okay, what about different though? What. about there's one there's one joint your. pay goes into her pay GOES INTO. >> STOP, STOP, STOP, STOP. He he got denied. for a JOINT BANK ACCOUNT. HE DID. There's there's many there's. many more accounts we can look into. >> He got denied. Even still, we'll work on. it after he cleans up his Maybe. Everything goes in our joint, and then. that is where all the main things that. we know we're budgeting go out of, and.

then we decide whatever fun amount is. allowed in the budget goes to his. individual account, and goes to your. individual account, so he can have his. fun, and he you can have your fun. Now, I don't think I would still do the. thing that she said you can't do, but. even still, even still, are we okay with. that? Instead of you having to like. transfer in, and it gets all weird, we. transfer out and use our own personal. accounts for fun. Okay, so that sounds. wonderful. That sounds excellent. Here's the issue. Um. You know, as as she has said, I.

personally have gotten the slap down on. making a joint account. For some reason, something about my credit. >> just Can Con. Is it not just me? No, finish your thought. I want to talk. about the budget, cuz he lied about all. of the budgets. >> I did not lie about the bud- No, he did. I did not lie. So, for the record, he. did not Whenever we did our finances, I. was like, his mom said, "You need to. make a budget. I'm tired of paying your. rent for you." So, I was like, "Yeah, we. need to sit down and make a budget." I. wrote down every bill I pay. I pay all. of our bills. I pay the groceries. I pay.

the, you know, the apartment insurance. I pay the light bills. Everything else. I pay everything that you need to make a. house run, besides rent. That's all he. pays. On his side, I had all of these. On his. side, he had rent, how much he does in gas, and his loan, and his car insurance. And he said, "That's all I pay." And then, we took. his bank statement, and then he's like, "Oh yeah, I forgot. I also pay Xbox. Oh, I forgot. I also pay Patreon." That was. only when we got on the show, though. Don't let him pretend he did that in the. budget, cuz that's that's that's.

That was in the Google ones. are too. Didn't tell me. anything about Google ones until I. pulled his bank statement, and saw it, and was like, "Why the do you have. all of these?". >> Cuz his thing, didn't know about the. Google one. But. >> just said that you that you told me. them. Like, literally just said Google. and YouTube YouTube and Google are two. separate things, but they they're run by. the same company, but they're two. separate things. No. No, listen. All. right, here's the problem. Here's the. problem with the statement you made, right? I thought I already canceled the Xbox. One.

until you looked at the paper. That don't mean I I don't. >> Who doesn't look at their bank account? Who doesn't look at purchases? I know. everything in my bank account. I know. what comes in and out of my bank account. every month. >> I do. Well, I'll ask you. I can't. I. look at my bank account. >> or listen. On this AMXEO 2791, your. grandma opened it for you. Is it in her. name or your name or joint or what? Okay, uh right. American Express. >> even know what that is. She don't even. know about that. Uh, cuz I Okay, let me explain. So, when.

I was in college, I lived with my. grandma. My grandma was like, "Oh, you. need to build your credit." So, she got. me an. AMX card and I just kind of let her have. it because like I'm not going to use it. type Like I wasn't I was. And so, I let her have it. So, she can. do whatever the hell she was doing to. build my credit and it worked for a good. bit cuz that before I got into that that. second car wreck um Second car wreck? We'll we'll talk about that when we get. there. >> Been through quite a few. It was. It was Yeah. >> you doing? Okay, whatever. >> You're driving like It was I'm sorry.

Keep going. Keep going. Chill. I got us here, didn't I? All. right. I got the extra protection on. this rental car. Oh, really? Yeah. You didn't tell me. that. Anyway, whatever. Um, so. back in the day. um but it um I'm moving anyway. She was. like, uh. here's the. here's the card. I'm not going to I'm. like, "I'm not going to use it." Well, you got to use it sometime or sometime. or to build your credit and I was like. "You got it." And I said, um. and then that's what I didn't know.

that they had a balance on it. I I. didn't know it I forgot it existed until. y'all start through start talking to me. about it. I don't look at my credit. report. >> So, it wasn't you, it was your grandma? So, it was all your grandma? >> Probably. Oh, cuz she was also supporting him while he. was in college. Right, but she's keeping. a balance on the So you're not having to. pay this. She's paying the minimums? Yeah. Now, we don't know for a fact. You didn't even know this existed. [clears throat] How can you say that? No, it's She's not paying on any of his. credit cards. Are you in the app? Are you in the app?

Cuz this is just like we wrote down. information. Are you able to pull up the app of the. Amex so I can even see what's happening. in there? No. I guarantee you with how. much money she gives him a month, if. there was only that little of a balance, she's not paying it. No, no, no. Minimum. Minimum. Minimum payment. I. know what you're saying. I'm saying if. there is a balance on his credit report, there is no way it was I think it was on. his credit report. Can you get me a. credit report for me? Yeah, it should be. I sent him. Can you Can you try to find that in in. there? Let's I I need to figure out what. the minimum is. Is it being paid? So.

we'll go back to the Amex. Well, you're getting cash advantages, Beth. I do. Okay, so what the This isn't. all him, Beth. You're getting No, it. wasn't him. It was because he couldn't pay rent or. things like that, so I would have But. you have savings and you're giving all. your savings to your ex for THE PAST SIX. MONTHS. IT was in between. So I had it. like I when I was on maternity leave, there was a good distance where they. weren't I had to go on I was high-risk. So they weren't paying I had to take. like a 4-month maternity leave, 5-month.

maternity leave, something like that. And they took like 3 months to start. paying me my maternity leave. So this. was even before all of that. >> Okay, either way you had savings, right? No, because he wasn't working, so I was. paying all of the Oh, okay. So you're. cash He He had gotten fired again. Well, when was this? Cuz you still owe $2,545. on your cash advances. Do you have minimum payments on them or. are they fully drawn and you can't. borrow any more until you pay on them? Like what what kind of.

>> they're all fully drawn and I can't pay. Are there minimum payments? I think. they're supposed to be, but I don't. think any of them have come out. I think. they've just like. >> them up so you can find the out? >> I couldn't actually. >> BUILD A BUDGET WITHOUT KNOWING YOUR. MINIMUM. PAYMENTS. I DON'T THINK like. they actually have I think it's like a. pay in full. I don't think they're. minimum payments anymore. >> Okay, that was my question. >> not on my credit report. >> Maybe they will be if they ever sell. them off. They just probably haven't. sold them off. They just know that you. want access to them and you can't take.

from them unless you pay on them. >> Yeah. Probably it. Uh wait. >> [clears throat]. >> Was that the one You're not going to. knock up a white straight. They're so. annoying. Hey, they're the worst. >> As much as I may or may not agree with. you, I can't I cannot let it stand. Bleed. you know. >> Oh, you guys weren't involved in that. conversation. This is between me and my. boy. >> No, no, you know you know I love my snow. buddies, though. You know you know I. love them. >> Tyler, don't But listen, but I get I get. the small one. I get the small one, though. I get the small one.

>> don't knock him up. >> The knocking up wasn't The knocking up. You're right. You're right. >> Exactly. THAT'S WHAT KNOCKING UP IS. >> I KNOW, BUT I WAS told I couldn't have. kids. Like by doctors. No, like legit. I had a bunch of. surgeries and they said it would be. impossible for you to get pregnant. And. like even me and my ex, the one we were. together forever, we tried doing. fertility, everything. That nut is. trained. >> sperm came up in me. I got pregnant. >> is trained as a sprinter. >> It is. I like we were so shocked. >> a magical left foot curve ball. >> they were like. They were like there's no way you'll end. up pregnant cuz of we tried fertility,

we tried everything. They're like with. all the stuff you had done, it wouldn't. happen. And then boom, a baby. That. means you healthy, though. That means. you healthy, though. We also used like. protection and we're taking precautions. just in case. Dude, that You miracle. baby. >> You bred with the wrong one. That. is absolutely trained to sprint. What. that is? I mean. >> He was training running from the tigers, >> was like the power. >> and he was training running from the. slavers, then training running from the.

plantations, then training running from. prison, then training now running from. the police. That was training. running from. all the way STRAIGHT TO THE GATE. >> YEAH, he was running from the IT WAS. PREPARED. IT THAT WAS HIS ENTIRE. EVOLUTIONARY PURPOSE. >> was black, too. It Look, >> Okay, you have a type. Congratulations. Hey, listen, man. No, I didn't like. people. I've only dated two black. people. I've only dated two black. >> Okay. I date the rainbow. I'm not That's. not really a type. I'm Look, only 15% of.

my the my sperm got to 50% of the. ovaries, all right? So, we just going to. we we we just going to accept where we. at, all right? >> Listen, the Amex is in good standing. Is. it good standing? >> a month minimum. It's set up on some. auto pay. I do not know if it's you It's. probably grandma. Yeah, but maybe she. set it up on yours cuz she's so. involved. I don't know. Or she's paying. it. But listen, I will I don't know. whether or not to include that in the. budget or not. Actually, I will say. let's include it in our budget. Maybe. it's time to grow up for the first time. in our entire lives. Okay. >> Run it Run it out. Run it. Run it.

>> Run it. Run it. Add it if you want to. >> Um net credit. Who Who Who is net. credit? >> That's me. >> Net credit. Okay. Um so, at least you. know I That That's the one That's one of. the two I know about. Uh Lord, so the. net credit one is what I took out uh to. pay to help pay for the repairs to the. car on the second car wreck that she's. talking about. >> you get in a car crash? So, I was just. on the way He was playing on his phone. >> Hey, how about we let me tell the story. since I was the one that was there and. not you, huh? On your way to what? >> He was on his phone. No No Anyway, don't. listen to her. She wasn't there. She. don't know.

Uh I was on the way. to get it maintenance, which is the. ironic part, Lord. If we're going to. live in the world of irony, this is. where we living at. Okay, so I was on. the way uh back from getting it. maintenance. They told me it was $150. I. said, "That." And I. uh left down to the long road. It was a. long highway. Uh it was like one of. those things in the grasslands where. like, you know, uh the grass is so high. you can't really see around the corner. You just know that the corner exists, right? And so I'm I'm driving around the. corner. I look to my left uh to see if I. can change lanes and get over. There is.

a There is a. stoplight or whatever they It's called. traffic light. around this corner. >> the law. Yeah, hold up. We going to get. there. All right. >> I can see the traffic light. I can't see. like the road because the corner is so. in the in the grass is so, right? And so. I look to my left trying to change. lanes. I'm in the far right lane looking. to the left. I'll go from this to this, right? I see the traffic light's green. I'm like, "We straight. We good.". I I go from I go from looking to my left. front truck still.

stock still for no reason. Just right in. front of me. Right? Stock still. I'm going It's a 70. mph highway, all right? I'm going the. speed limit. I'm checking my mirror. I'm. doing everything I'm supposed to do, Lord. And then and you know, I All I could. really do is say, you know, the S-word, "Shit.". And then hit the brake hard. You know what I'm saying? And then that. was when I hit them. >> Smacked in the back of them. Uh They were They was a little bit upset.

about it, but you know. Oh, were they? No, okay. But so you're not She got hurt. She. didn't get hurt. I don't Your net credit. is. uh. You haven't paid for it all. >> No, I paid it. 2025 was late every. single month. Not missed, but late. >> Yeah, here's Here's the thing, right? So. that was probably that point in time. where I did not have Yeah, I was uh. Uh I would That was probably at the. point in time where I didn't have a job. and I called him and I told him I didn't. have a job and I was wondering if they.

could. defer it for a little bit until I could. get that job and I started work That's. when I right before I started working at. Amazon type And then um. Yeah, type Um Indeed. Um so No, that's a that's a jobs. website. You don't go on that. No. No. >> What? And Oh. OH. NO, HE DOESN'T EVEN APPLY to. his own jobs. >> No. Guess who does it? Hey, who? No, hold on. Hold on. We ain't going to let. her do this. >> Brutal allegations. It's not allegation, it's true. His mom applied to his jobs.

and I applied to his Not all the time. >> current job his mommy got him for him. cuz he wouldn't get a job. That's just. cuz my my mom friend. Like I applied to. the job myself. I did that, right? This. called networking, cuz. I will get you a. Course Careers certification. Thank you. This is a class many people in the. audience have taken these. certifications, converted them into. six-figure jobs either with raises to. their current job or changing their. jobs. I'll get one for both of you. And. I just want to reiterate because I know. I'm making lots of jokes here in this. episode. I want you to know that I am a. supporter. I am a good man. Today we are.

supporting black culture in this office. We are doing a Fat and Fatter episode of. Burger King. Yeah, yeah, yeah. What what. does that have to do with. What does that have to. >> So I just wanted you to know that. >> So is it both of y'all Cuz I, as a. supporter, also will not be putting on. the Burger King crown. I promise. I uh. but Brendan, well, he's the racist. So. Yeah, that is true. That is true. He'll. be showing up at the airport. I knew there was something WRONG WITH. YOU. YOU HAVEN'T SEEN THE the you. haven't seen the white you haven't seen. the people who work there? I have a. baby. I don't know. Burger King crowns.

and the. No, I know I know the. At an airport? On an airplane? No. Burger King crown? You know what what. the crown means? >> No. >> It's the king. It's the mascot. It's I. know I know what the crown is. I don't. know what it is. >> paper one? Yeah, I know. Wait, you. didn't let me guys know the racist. thing. Okay, that's fine. What is a. racist thing? Yeah. You're saying that. black people are. You're saying black people work at. Burger King. No, no, no, no, no, no, no. But like that's. they're just none of them are getting. THEIR INFORMATION. YOU GUYS never seen the video of the guy. wearing the Burger King hat on the.

plane? Was it recent? Oh. Like I literally have a baby. That's all. my time goes to. I'mma be so for real. Listen, net credit. Okay, so it was for. the wreck. What was this just the tow or. was this just like. the repair? >> That was a portion of the repair and. then my savings was the rest of the. repair. Okay, $1,512. Second wreck. No. He said this is for. the second. Same wreck, two different. times it had to go to the shop. Yeah, I. had to go to the shop again because the. radiator the radiator they said that. they fixed it because I was paying out.

of pocket, right? And they The what? Radiator. He said the radiator went out. in his car. Okay. >> Radiator. Blackness, right? Underneath. So, look, I smack, right? Smack in front. of. the vehicle that was in front of me. That's how rear ends work. And um You. were taking back shots, you? I was giving it, technically. Um. He takes them, too. Nani, whoa. Don't say that on live. That's crazy. That's that's not true. It's not true. Chill out. I don't know. I don't think I I just say that. >> wasn't true, you wouldn't be so.

defensive. >> Yeah, I don't know, bro. [laughter]. I don't know. You be tooting that thing. up? HELL NO. HELL NO. This We ain't going to. try it. We ain't going to talk about it. All right, we ain't going to talk about. it. All right, we ain't going to talk. about anything. Come on. Don't don't. I'm sorry to share [clears throat] his. personal information. He totally doesn't. take it out on you. This lady is the. craziest lady I've ever seen in my life. She just says lies. >> That's fine. That she just says lies so. easily. That credit, yo. $1,512. with a $174 minimum monthly payment. But, for the last year and a half,

you're late every single month. Why are. we late? Why are we Okay, so all there. was a point in time where I didn't have. a job because pew. All right? And so um. and so. >> Multiple times, for the record. I I. missed some payments on that uh on on. the back end of that. So, um so I talked. to them, right? I called them on the. phone like Hey, uh easy pay, what's up? I said. Hey, can we defer it a little bit to so. you can help me out cuz I'm going to pay. it. Wait. Wait. Okay, I'm moving on cuz. this is blowing my mind. What? Your. mom's not helping you. Your mom's. threatening to sue you. She love me. She ain't going to do that.

But, um Whoa. Whoa. Whoa. Because he. owes his mom and grandma so much money. that she got pissed. It involved Okay, so the night I found out How old is. this? The night I found out about him. doing that with the baby, I called his. mom and was like, "I'm going to leave. your son if you don't do something. I. swear I'm going to just leave. I'm so. tired." And his mom is the reason he. stays when I said that cuz his mom gets. on him all the time. He loves me, too, but you know. >> No, I'm sure, but. >> But his I called his mom and she came. down here and she was like, "I am so. tired of you spending it on. I'm going to sue you for all the like 7.

8 grand you owe me.". >> Shoot. Hold on. And then he said he was. going. >> put all of this I'm going to put all of. these child protection things on your. phone. And Oh, do we not say that? Yeah, but you were going to censor your phone. like with child protection so you can't. do anything. And if you need to borrow. money or you make your grandma who still. borrows my or he still takes money from. me. >> Hey, no, no, no, no, no, no, no, that's. not the same thing. Well, we'll get to. that. >> That she's going to sue him for all the. money back cuz she's so tired of dealing. with it. >> Look, okay, look, look. Is that I do not ask most of Okay, so.

I only ask Mama for money in the cases. of emergency. Rent is due, they put the. red note on my door. >> Nah. But like not really. Not really, but sometimes. Sometimes it happens. where I miss work. Sometimes some and. I'm living check to check as you. probably have seen. Well, yeah, I want. you I want your mom to cut you off, but. the thing is also without her working. and with you only making $2,400 $2,400 a. month and that even when she like. there's no chance of being able to.

afford that. >> he said he doesn't He said he doesn't. ask his mom for money a lot. It's. different. He asks his grandma for money. when it's small amounts of money. When. it's large some of money, that's when he. goes to his mom. So, it's not like he's. not constantly borrowing money. >> is correct in this. She said, quote, "If. you have money to pay for your little. subscriptions, then you should be paying. your rent." Yep. That's fair. That's fair. >> Okay, it is fair until you understand. that the actual amount of money of the. subscriptions is non uh what's it.

called? It's not It's not It's It still. ain't going to cover the gap. So, like. it's it's it's like less than how much I. would have owed. Let me tell you something. So. I make my little $1,200 on the check, right? Which is sad. Like 12 He makes He. makes $1,200 on his check when he gets. it. Oh, check. I'm sorry. Yeah, yeah, yeah. I'm not not not on. Anyway. I don't I just didn't. understand. Keep going. >> [laughter]. >> to I'm going to figure you out. I. thought I figured you out. I don't know. if you smart or or or No, I just. couldn't understand. >> you're slow. No, NO, NO. AND YOU DON'T.

talk like normal people, so. >> And I am pro this. I have a specific. >> policy. I told Tyler that I do not want. him to code-switch here. Yeah, yeah, yeah. I specifically told him not to. code-switch. It took some time for me to. get. I can't say it. It took me some time to. get It I'll say it for you. She She had. to get the nigganese out, all right? We had It's called It's called. titisnise. There we go. We'll say it. that way. >> Titisnise, all right? It's the way that. Titus, me myself, the T Young T Y T is. not just me. It's a whole language. Uh. let's see. I grew up in Keller, Texas.

And then. >> Some Texas. He's from Texas. Texas, Texas, yeah. I'm being told that's the. whitest place. It is. >> It is. But I went to college in Pine. Bluff. Therefore, all the black That's. in Arkansas. HCS A HBCU type Pine. Bluff is a very dangerous area in. Arkansas. Very very black. Very super. black. That's kind of stupid, I'll be honest. But what's not is. actually getting a checking account that. gives you free money. Free money, we. like free money. You can get up to $200.

in bonus cash right now when you sign up. for the checking account that I use, Chime. Also, it makes your savings grow. at a 3.5 APY interest rate. Guys, you. can watch Financial Audit and get free. money at the same time. Who would have. thought? That's incredible. Check it. out. Link in the description below. And. don't forget I want you to be on the. next episode of Financial Audit. So go. to CalebHammer.com/apply. or click that link in the description. below. You'll have a great time and I'm. going to roast the out of you. I I. I got re-indoctrinated and I got.

re-educated and I understand what I'm. like, you know what I'm saying? Understood. Mhm. Mhm. No. >> Uh listen bro, I'm going to talk to you. from somebody that loves their mom, bro. Uh he'll get into the financial stuff, but you you got to you got to make your. parents proud, bro. You got to you can't. keep taking money from them, bro. Don't. don't speak. Don't speak. Like real. talk, it makes you feel real bad, bro, when you keep taking money from your mom. and your grandma, bro. You got to you. got to you got to cut that off, bro. You. got to start paying that back, bro, and you got to stop, bro. I don't care. if you were down, you know what I'm. saying? But like you owe them so much. money that you need to stop, bro. I. understand. I understand. >> you keep saying these little. subscriptions. You keep saying $5, $5,

$5. You add all that up and it. counted in a year. You're spending a lot. of You're spending a lot of. money on these small things, bro. That's. like if I go to 7-Eleven every day and. go get a pack of Reese's every. single day, that is going to add. up. >> I don't, What the I don't I don't. I make money and I save money. You feel. me? You got to do the same thing. You. got to stop spending all these goddamn. subscriptions if you don't got the money. for it, bro. What are you doing? Allow me to. >> Black on black crime as always. >> [laughter]. >> This is really what we need in our.

community type But let me. let me actually. let me actually. >> He's got the mindset of like a toddler. Eh, hold on. Stop. I'll give you another. black eye. Careful. Okay. That one hurt my spirit, Lord. Um. Okay. Let me let me let me let me. explain. Let me explain something, right? The The fact that I still have a joint. account with my grandma is not is not is. like is not like something that I chose. necessarily, right? What had happened.

was. What had happened was. >> matter, dude. Your mom has cut you off, correct? No. What? I I I have a note that she has. >> No, she said she would. Okay. I told you she loves me. She ain't. going to sue me. But like here's the. thing. The note that I have is she said. she's not helping anymore and she said. if she sees him begging grandma for what. money one more time, he will make sure. THAT LAWSUIT HAPPENS. >> GUESS WHAT? I DON'T ACTUALLY BEG MY. GRANDMA for money. My grandma just. looked at the account like, "All right, baby. I see that you low. I put $50 in.

there for YOU." I DIDN'T ASK FOR THE. BUT I DON'T KNOW WHAT TO DO WITH. IT. >> WHO HAS these collections? These two collections. >> It though that is probably me. Donny, huh? Okay, well, you're letting things. go to collections. That's not surprising. if you're not paying on them, right? >> sure everything's him except for the. cash advance. It's all him. >> Well, that's not good either. Cash. advance is a bad trip to get into. >> Okay, but when my. son. I had like a 2-month-old baby and he. wasn't working and I was trying to pay. everything by myself. Real talk. I'm. just saying that I like I didn't have a.

choice. I literally had to take it out. Okay. I have zero confidence in the future of. this relationship because you were. literally about to leave and then you. literally just found out you were. pregnant, so you felt like you were. forced to stay. That's what you told. Colton. That was true. No. >> How does that scream this relationship. has any longevity? You were forcing to. try to make it work. >> single important time when you had a. baby now like when you had emergency. situations when you had four or five.

kidney stones at the same time at the. same time who was with you? It was me. I. walked you down them steps as you was. crying and crying in my arms saying that. I was in pain, right? I was with you. I. had a kidney stone when I You had. several. Several, right? I'm the one you. lean on for the He is like the biggest. narcissist in the world. >> That's not That's not me being a. narcissist. That's me actually doing the. I'm doing, right? Yeah. So like I'm. I do I I do I know I know I got my flaws. and but I also have my. I also have my good side, too. Right? And you see that. You see that. You see. that and you love that and you want that.

in your life because every other. was with you What happened? Donny, I. said I'm not trying I'm not trying My ex. for the year wasn't even bad. He just. was bad. With money because he spent. ounces of weed at a time. Brother, you. and I both know that that is a lot of. money to be spending when you can't eat. >> That is a lot of money when you can't. eat. I spent mine on video games and. other little little little side. bullshits, right? Which can be those are. You know, not weird. I just use it to. jerk off on a DAILY BASIS.

>> MONEY? $10 OR $100? WHAT ARE WE talking. about, man? What are we talking about? What's more. money? I'm saying I I I'm and and and I. I have apologized I've apologized. already about the AI thing. I'm not. doing no more. We already know. He Who knows? He more than likely is. Let's be real. >> Not doing it no more. >> times have we done this fight where he's. like, "I'm not doing it." and then find. out he still is? He more than likely. still is. I'm not. I'm not, though. I'm. not, though, right? >> I have a car loan for a car you don't. have anymore of $17,031. Hey. Is this not the second wreck? So so.

this is the first wreck. How did you do What? Okay. All right. So in my life I've been. in. a lot of car wrecks. Four. Four car. accidents in my driving life. Four. Yeah, that's that's one, two, three, and also four. And what happened. in this one, right? I'm driving down the. long road. It's a. working I'm working. from 10:00 to 11:00 at the pharmacy. I'm. in. I'm in deep Texas. Whatever wherever the. it was where it has a long two-lane. highway. >> country.

>> Yeah, real Yeah, real country. A long. two-lane highway. It's 11:00 at night. Bambi ho ass. I hate Bambi. Hey, Bambi, I hope I'm glad your mama died. Bambi ho ass come across the street. I. see this last second cuz I'm sleepy. You. want to know why I'm sleepy? I worked to. 11:00. So I see this last second so I. move this way, right? That little motion. had me catch this concrete whatever the. little. You know what I'm talking about, right? >> Median? It's not the median. It's on the It's on. the It's on the shoulder. >> It's not even a curb cuz it's on the cuz.

it's country, remember? Country don't. have curb. They have grass and they have. not grass. And so I hit the um Okay. I. hit The thing The thing that The thing. that drainage is. You know what I'm. talking about? That drainage road type. I hit that and then it flipped the. car eight times. Flipped the car eight. times. Didn't know it was eight. I. thought it was one. I counted one. He. Do you have a minimum monthly payment on. this? I assume it's fine. It's in collections? Cuz we couldn't get info on it. It's in. collections. He quit paying it. Yeah. Who the. has $73,458.

in student loans? I didn't even know that. Who? Him. Titus? Yep. >> For what? Who also got financial aid and various. other things. Okay, let me talk about. this, okay? Cuz this is not cuz I didn't. even know. I didn't even know this until. till the I saw the report. So, what. happened? >> Really? Yeah, so uh Federal? Is this. federal or private? >> Who knows? Um. It was before we were dating. Oh, it's the next page. Oh, US. Department OF EDUCATION. THEY ARE GOING. TO GARNISH your wages if they're not.

already and they're going to garnish. extreme. I think up to 25% of your. income and you can't afford 25%. THEY. ARE GOING TO GARNISH UP TO 25% OF YOUR. INCOME. They will take it. It'll go to. default. They will take it. It It's in. needs attention. It's about to be in you. are territory. It's the government. They don't. around. They can get in your bank. account. >> Which I didn't even know. He didn't even. tell me he had student loans at all. >> know until this, he said. >> Didn't even know. So, my mom set me up. for several loans when I was in. >> Yeah, it's. So, I set me up for several loans as I.

was getting geared up for college. I. thought I wouldn't have to pay it. Uh I. was I was going What degree do you have? $14 an hour or 15? What degree? Communications. Mass communication, broadcast. journalism. >> No, you got one of those women degrees. >> Yep. I got to lie, bro. What was I. supposed to do then? Listen, dog, I got. the same degree. What am I doing now? You're doing better than me, right? >> He's communicating. I I do sports I got. one in I got one in sports broadcast. That's the thing I wanted to do. Bro, you're not making money in sports. broadcast, bro. Not? No, bro, cuz all.

you're going to do is free free. internships and that's it. Unless you. know somebody, you're making minimum. wage. >> And the audience has to understand. what's being said. So, fun fact. >> So, if If work in broadcast, you're not. making any money. >> know somebody in the industry. This is. fun to bring up. I know somebody friend. who's on TV. I'm not going to say who it. is, but he's in the industry. We're. friends. I. >> breaded by him? I mhm I talk He's. married. He has a beautiful wife. But. anyways, I talked to him and I was like, "Hey, my boyfriend really wants to get. into this industry." It was one of the.

times he lost his job and he was like, "Yeah, I will totally help him out. Have. him message me, hit me up and like I'll. see what I can do." Never messaged him. Never took the time. Nothing. And I was. like, "I literally know somebody in this. industry who's huge." Never messaged. him. Never took the time. Nothing. Ever. That was like 2 years ago. I was like, "Don't message him now because he is. going to see no point because you had. that opportunity and you threw that. away. What do you care about? What are. you dealing with, bro? That's the only. way you're going to get into something. like. >> I was like, "Dude, I know somebody. I. didn't know that's what you were into. I. literally know somebody. I can help make.

this go.". >> your degree? I did get my degree. >> That's good. >> Congratulations. Yes, thank you. Thank. you very much. I deserve it. Um. So, what happened, right? I was focused. on getting the right now job, right? And she gave me that. I'm still in the. no job scenario, right? So, I'm focusing. on like semi applying like this is this. is at the point in time where she where. she brings this man forward. What does. he do with his degree? Nothing. Shani. It's literally all you can do is. internships and if you know somebody,

you can get in. It's That's pretty much. all you can. >> have to use having a bachelor's degree. to get into something. You got to do. better than now, man. Do you got to do a. certification change with course careers. cuz this is just brutal. It's a brutal. life. It's it's one of those women's. degrees like communications. >> It's not It's not communications. It's. mass communication with broadcast. journalism. It's not just communication. Mass communication broadcast journalism. with Well, then you should have a job if. it's mass communications that are. communicating. >> opening to somebody who was willing to.

bring you on to a. national television show. >> makes that degree really bad is that. it's so broad that jobs don't like you. cuz they don't know what you're. specifically good at. They just know. that you're good at a lot of different. things. >> and So, it just knows that you're not. you're not going to find something. specific unless you know somebody. And. if you had an opportunity to know. somebody and you didn't take that. opportunity, >> What are you going to do? And the worst. part is like it's like what are you. going to do? Like if you had somebody. come on here and he was like, "Hey. Caleb, I have all this experience and. stuff and like my or my friend does.". And they don't message you for 2. years. Like you're going to not going to.

want to hire them on your show. You're. going to be like, "They weren't serious. about it." So, then I'm telling him like. there's no point messaging. >> him now. Hey, that's his degree, too. I. was like there's no point messaging. after that many years. Like whenever I. hyped you up and then you didn't message. them for 2 years. And I was like, "Hey, he'll message you like tomorrow." You. missed that beautiful window. >> to contact the Department of Education, the servicer that's doing I think it was. like Nelnet or one of them. Um either. way, you need to get on a repayment. assistance program immediately. With. what your low income could be is. literally 1% of your income. But if you.

don't, I think you are literally. potentially days or weeks at best away. from them garnishing 25%. of every single paycheck. Which makes no. sense cuz you could contact them right. now and get on for as low as 1%. But you need to talk to them immediately. and you may have already missed it and. this might already be happening you. don't even know it. Mhm. Yes, it's bad. You don't understand. how dangerous this is. And that. garnishment is going to take forever to. 73. $1,000. Here's the thing, I don't even.

know why it's that much cuz like I don't. even think. >> interest is went up while you weren't. paying anything. I wasn't paying. anything. >> the payment assistance 1%, you'll at. least make it not go to default, but. it's going to balloon, then it'll take. 40 years until it's off. But even still, regardless, who has Bank. of America? YOU HAVE 21 CENTS. 21. CENTS. LOOK. >> This is Cash App, Cash App, Cash App. We'll probably get to that at some. point, but it's just If it's getting. Cash App, it's me continuously sending.

him money. Those are the ones WE NEED TO. OH, AND ALL FOR THIS, SO YOU make no. money and you have to borrow money and. she's giving you money. What is it for? As the stay-at-home parent. >> It's for a subscription, for. DoorDash-ing, for going in and getting. some for another subscription, for Waterburger, for going in and. getting some for a. subscription, for a some restaurant, from another restaurant, from. Cash App out that time, from Patreon, some mobile purchase, mobile. purchase, mobile purchase, in-app games. I don't know. What is it? No, it's. probably the gooning to the Patreon.

>> Yeah, more than likely. >> Going in and getting some. Patreon again. What are you doing? What. are you doing when you go in and get. something for $3.25? What are you. buying? >> Energy drinks, probably. Stop that with. that dude. YOU GOT TO. STOP IT. LOOK. YOU'RE YOU'RE A GOONER, SO YOU. WANT SOME gooner right? Here, let. me find a gooner. Here, this one's. perfect for you. It's Steve Harvey. Listen. Is he really? What the. GamerSupps. You are making that at home. just like you would make coffee at home. instead of getting Starbucks. No more. stopping in for $3.25.

You make that with my discount code for. a 40 cent. >> Oh, they're the energy ones, though. I. guess for you. >> a serving. Huh? I don't do energy. drinks. >> do the hydration versions as well. This. one's for him, so it doesn't stop at the. gas station anymore. >> SAY LEAN? >> [laughter]. >> YES, SIR. YES, SIR. WHAT ARE WE DOING RIGHT NOW? YES, SIR. RACISM. And flavor. It's. racial. >> It's racial, not racist. >> Not racist. There you go. And delicious. and cheap with 40 cents a serving. Listen, get your free samples right now, figure out what flavor you like using my. code Caleb at the link in the.

description below. Get your free. samples, figure out what flavor you. like, then get your GamerSupps. It is 40. cents a serving. Seriously though, it. will save you a lot of money. You got to. That's 40 cents a serving instead of. $3.25 every single time. Come on, dude. Stop being a dumbass. Cuz then there's. an energy drink, there's an energy. drink. Deep flow. What's deep flow? >> He also buys. >> I have no clue. And here's the thing. >> It's in your subscriptions on your. phone. Go into your subscriptions. He has an Because he has He has a. Android. Okay, pull open your phone. Yeah. Open your phone. Come on. Come on.

Let me let me let me let me let me cuz. here's the thing, right? I looked it up. I had no clue what it was after I looked. it up. I don't know what it was when I. looked it up during and how do I do I. get into the I need to get in Just give. him the phone. You're. Make sure you cover the screen though. That's my baby on the screen. Oh, right. Yeah, that's true. No, he'll cover it. They'll do it. >> No, no, no. None of that will be in. there. Yeah, yeah. It won't be on there. Uh okay. >> What are you doing? >> I told you just give me give me my. wallet or what? Okay, here. Just give. him the phone. Go. Have it. Have at it.

Use hand sanitizer when you're done. He. cleans a lot. I'm telling you I'm warning you. I am. Hey, look. Hey, look. We can play we can. we can play with it. Another. subscription, going to get some. Microsoft Xbox subscription, Hobby. Lobby, some. >> Hobby Lobby. And and that's This is. another in-app purchase, another goon. purchase, and then Smoke and Chill. Listen, you spend hundreds if not maybe. even upwards to a thousand dollars a. month on When you only make. 2,400, you're likely getting garnished,

your grandparents grandmother and mom. have to give you money, and she has to. send you money. This is pathetic little. child behavior. I was going to say boy. behavior, but I don't want to be racist. That is child behavior. >> He spends a fortune on like. >> No, you need to grow the up. It's. time to be a man. Like that's the crazy. Shut up, I'm talking. And $200. Woman, why are you talking? CUZ THAT'S A. LOT. I DON'T GIVE a what you're. saying. I'm saying things to him. You need to become a man. What. is wrong with you? You need to become a man. You.

have a child. It is time to man up. It is time to man up. You're being a. kid. You're being a kid. Seriously, you are. acting like a child. Look, okay. I did not under. understand the financial burden of a. child and when I. like when we first had him, right? >> It's it's a kid. How do you not know? know. It's a breathing and sleep app. that you probably deleted, but you're. being charged for it. That's what Deep Flow is. Breathing is. It's a breathing and sleep app. >> know, but there's a app where you sleep.

and breathe. What do you want from me? I. don't know. I don't remember getting it. in the first place. >> just He has literally like. 10 different reoccurring subscriptions. in here. He probably just signs up for. them without even knowing it. At this point, probably. >> overdrafting. Yeah, I did that. >> Every month. Yeah, I did that. >> This is a pathetic [clears throat]. excuse of a father right there. Jeez, financially Christmas. It is. That is. true. Who's one pay? ME. WELL, YOU'RE NEGATIVE. $35. SO, YOU'RE WORSE. And this is Cash App. to him. Cash App, Cash App. You're going. to Dairy Queen. YOU'RE GOING INSIDE.

SHUT THE UP. I DON'T give a. You're stopping and getting some. You're stopping and getting. some Taco Bell, DoorDash, Panera Express. Cash App out. Texas Thrift, McDonald's, Thrift Giant. Belt, Lisa's Chicken. Going and getting. some Cash. App, Cash App, Cash App, Cash App. Cash App, Meanwhile. >> Boost Mobile. It's only $10 a month, yo. You can't get mad. I pay $10 a month for. my phone. It's just.

stereotypical. Okay, but it's $10 a. month. Even Helium isn't that cheap. >> It can be. There's a free plan. Okay, well, that's only $10 a month. Okay, well, zero's better. And everything on. my phone so Zero's better. Zero But that. But that's not unlimited. 50 And and and. to be to be clear, right? Those Cash. Apps that were coming in were probably. from her. >> Yeah, you still overdrafted. Two. fair. But But to me to pay for some. for her. No, it's not. >> That That is 90% of what this is. Cuz my. bank account is a joint account. His. bank account.

McDonald's. Cash App. McDonald's. You're Dude, you're getting like $3 Target. $3. Target. $6 Target. This is. Cash App. >> get groceries. We get food stamps. though. So, I use food stamps for a and. then like if I buy something. >> were doing it like five in a row, right? And there in one day. Like, it's all. There's and food. stamp and groceries and. >> Oh, they may just all pin in one day. >> Hey, good thing we give you food stamps. because then you're doing $20 on Uber. Eats. Why should we support you?

>> ordered my groceries through there, though. Hey, that Panda Express was not. groceries. Why are we supporting you? Why did I just write a $2 million check. to taxes the OTHER DAY? WHY ARE WE. SUPPORTING you when you are going and. spending your money on Panda Express? >> Okay, but it's me who's like basically. like a single parent cuz half the time. he does not help with the baby. It is. true. And it's just me. >> Fine. Fine. FINE. FINE. FINE. >> [laughter]. >> LET me ask a better question. Why are we. supporting you and I'm writing millions. in taxes when you spend upwards of $500.

going out to eat last month? And yet we. have to support you. That's a disgusting. excuse. And take care of an infant. And. take care of a stay-at-home mother. You. can meal prep. >> I do sometimes. >> Not enough. But, I have to meal prep. Why are we supporting you when you're. going out to eat $500 a month? It's. disgusting. yourself. Dash Pass, or Cash. App out. DoorDash again. Go Brands. Burger Burger King DoorDash. Good thing. we're giving you assistance. Stopping in.

the gas station, getting some. Amazon. LJ's. Wait, LJ's? What is this? I had two of them. I don't. know. Instacart, >> How much was it for? I don't even care. GoPuff. That's. groceries as well. crap. Instacart Instacart Instacart, This is so stupid. You guys are so Oh, I. don't even know what that is, to be. honest. >> Great. Why would we? This is. Okay, it's just letters. How much was. that for?

Here's the Cash App cuz maybe the place. would be letters branded. What place is. literally three letters? Uh BJ's is a. place. I don't know. I've never been. there. She never been there. >> Well, there you go. There's an example. >> But, isn't there more to it than just. that? >> There you go. Technically. Listen, you're InstaCarting and GoPuffing all. the time. Listen, I understand doing it. like once every other We don't have a. car. We don't have a car. Which is why I. was going to say I understand doing it. like once a week, once every other week. to mass grocery shop, but you're doing. it almost every single day.

>> okay, I know this is going to sound like. a cop out, but it's like for real a lot. of times. And it's a lot of times we'll run out of. for the baby and like I don't know. It's the baby. It can't be cope. COPE IF. IT'S BABY. BABY I'LL LITERALLY LIKE I'LL. RUN OUT of baby food and I don't know. that we're out of baby food. You. shouldn't be because she's a. stay-at-home mother. She should be. managing this. >> he also does it too, you know? Sometimes. he'll get the babies. Like I'm like I. don't know if he's out of it or not. Oh, good. And you have an amazing retirement. of zero dollars. Yeah, I know. Wait, zero dollars? It started at 7,000.

Wait, so that's your savings at this. point for retirement? You didn't have. savings. No, no, no, no. I said I had savings. before we first got together. I had like. eight grand in savings. And all of that. went to his car. Yeah, what about your 401k that went. from I had to take that out because he. wasn't working. And then we were And I. had an infant and I had to take care of. the baby and pay all the bills and do. everything by myself. Also, LJS is likely Long John Silver's. Oh, Yeah, it is. Oh, that makes. sense. Which by the way, we did a Fat.

and Fatter test the other day. I honestly. >> It's actually pretty good. >> I hated it. >> good. >> I hated it until I got pregnant and then. like I don't know. After that the baby. craved Long John All right, yeah. Makes. sense. It's disgusting behavior. I hated. seafood altogether until I got pregnant. and the baby likes fish. So, now I. lucked out. Every woman I've ever dated. in my life has been allergic to fish in. some way, fashion, or form. I got the. one that had the seed that had the seed. to the. fish. I swear to god.

It's not It's got to be the way. Wait. till the catfish. He's dated one other. person besides me. And they were not a. repeat. Shut up. Now, how What dollar. amount do you get in food stamps a. month? Uh 400. You guys are so annoying. You're so. loud. Yeah. Yeah, that's just kind of my thing. It's. not good. It's not bad. Okay, you should. be able to contribute an extra $400 a. month to groceries outside of that. That'll be fine with meal prep. Mhm. Uh. TP fund, anything else you and the kid. need to survive, we should probably be. able to do 250 bucks. Diapers are expensive. How much is a.

month of diapers for you? A month of. diapers. Probably close to 100. There you go. 250's fine. But I also have to buy TP. fund. Outside of formula, I have to also. buy formula though. For a second, that's. in your grocery. I put it in there. Didn't you just put the food stamp fund. though? No, I did 400 as food stamps and. then 400 of you Oh, okay. Okay. Boost Mobile Boost Mobile is like. 11 bucks. Yeah. Okay. Car insurance, how. much? >> None. None. I don't have a car. >> That's right, so no gas. What about. transportation with Ubers or A lot. or.

bus. I don't Uber often. I normally take the. one take the long road and walk it. Um. That's good. Now. cuz I I've been doing that for about How. much How much do we need to contribute a. month? >> Hey, let's say it's for emergency. purposes, let's call it set 50. Yeah, like 50. That's it? A month? Okay, that's not a lot. Okay, rent was what. again? 670. 1401. Okay, and then all. utilities including internet together? We don't pay for internet, do we? Yeah, we do. We do pay for internet. We do. Yeah, we do. I would say close to like. 400 for everything.

You guys are. Yeah, cuz I pay internet, I pay. insurance, I pay like the electric But. renter's insurance is 20 bucks. What are. you talking about? It's not, it's like. 30 something, but it's included. I'm going to assume your student loan. student loan's monthly payment will be. 150 if you get on the RAP plan. What kind of plan? RAP. It's made just for you. Just take it. Repayment assistance program. All right, so is it we're playing the racial and. racist No, no, no, he's he's for real. He's for real. It's It's called RAP. It's called RAP. It was formerly known. as SAVE, but now it's now it's RAP. And.

they say they go off of they go off of. your income on how much you can pay. Saved in the blood, wrapped in blood. Okay, got it. Got it. Got it. Got it. And we looked at you, knew you couldn't. save, so we turned it into wrap. $412 is your debt minimum payment, most. likely. Medical health care, are there copays. and stuff? I mean, I'm sure you're on. all the benefits and whatnot. Yeah, I I. pay. 20 something No, like it comes out It. comes directly out of my check. I forget. how much it. >> I'm talking about copays, like. afterwards. Medication, stuff like that. We don't. >> Uh right now, me and the baby are on. this, so no. No, nothing. Okay.

So you do $40 on subscriptions? I'm on. PREGNANCY MEDICAID. SHUT UP! [screaming]. $40 ON SUBSCRIPTIONS, you really have to. pick and choose what they go towards. now. Do you have any pets? Yes, but they're too old for insurance. Uh how much for pet food? Uh like $40 a. month. Yeah. Anything else that needs to. be in this budget that I've not put in, guys? This is going to be really difficult. I don't think so. Uh no, you got all the. Nope, yeah, I don't think so. >> so. Yeah, just the boys and their food,

but. >> Yeah, their food is like $25 a swing, and that's like a month-ish, so. >> Yeah, and even with this, they're still. obviously underwater by 600 bucks. You. need 3,500 just to survive basic. minimums. Here's the reality. You are applying to You are curating. your resume. Do a resume builder. Help. with the I They will review the Make it. a good resume is easier now than ever. And you are applying to every single job. that exists in this world using your. four-year degree to. get any job that gets upwards of like 25.

bucks an hour at a minimum now. You are. doing that, you need to make more money. That is your second full-time job is. finding a better job. And then you're. going to be working two jobs. So until. then, you need to be working 80 hours a. week. It's just It's simple as that. You. need to go pick up whatever job you can. I don't really give a You need to. be a provider. And here's the reality. In your area in a larger metro like. that, you will likely have child. services that you can take advantage of. at your income situation. >> but I won't. Huh? I won't put them in. child care. Okay, then go yourself. >> No, you don't get it. Like I I worked in.

child care for so long. They're so. bad. >> are going to lose the roof. >> home and be fine. I am willing to do. that. I've tried. >> You need to listen for a second. Mute. her mic so she can't talk. Thank you. So. now you know you can't contribute to. this conversation. Not that you were in. the first place. The reality is no one. can hear you, so she's just talking to. yourself. The reality is you are going. to lose the roof over your head and this. kid. Now you say you can work from home. Here's the fact. Work from home jobs are. the very small minority now. And also. you don't really have the skills and.

qualifications that's going to put you. ahead of the front lines anyway. Like. you just like you don't. The fact is you. need to go get a job. He needs to be be. a bigger provider. Don't get me wrong. But I would I It's not that I do not. want your kid in child care. I'm not. saying that. I would rather you take. care of your kid. But I would also. rather your kid have a roof over his. head and food on the table than. have his mom staying at home. Okay? I choose that. So unfortunately for a temporary basis, he needs to go get a second job. Now.

McDonald's, I don't give a It's. anything cuz you have to make the. minimums. Right now we're not making the. minimums. Who knows how long mom's going. to support, but eviction will be coming. You'll be. And that's it. THAT'S IT. Those are your options. Bankruptcy is. not going to clear this Your. minimum payments aren't even bad. Your. bad ones are student loans and that's. not even going to do cuz bankruptcy. doesn't get rid of it. Okay, we have a crazy thing to talk. about in the post show that we couldn't. talk about in the main show, guys. Like actually insane that blows up this.

entire relationship that happened from. her end that she didn't want to talk. about in the main show. So get ready. So. join Hammerly, but let's get your. Hammerly financial score. Spending in a. budget overspent, obviously [music] zero. out of 10. Debt collection, zero out of. 10. Emergency fund, nothing, zero out of. 10. Retirement, drained is zero out of. 10. Actually emergency fund is 2,000. So. I I will give that for the household a. one out of 10 today with a kid and. everything. [music] Real estate zero out. of 10. Round it up Hammer Financial. Score 0.5 out of 10. Go to. justaskcaleb.com now. Click the join. button join Hammer League best.

membership on YouTube where you get. three premium shows six days a week. It. is incredible. This is about to be an. amazing post show. You have no idea. Watch the teaser now. See you there. >> Why is talking like you cheating on me? What what the is going on It's not. a revenge thing because of his AI Like. sometimes my ex and I also give money to. just like hangs out with us. >> Word. Hand in hand. YOU HAVE A BABY WHAT THE. weird dude. Like we just say I you know, we don't have a car. I can't go. anywhere. He comes over. >> The ex. Don't forget the summer budget.

RESET IS NOW LIVE. GET A FULL YEAR OF. DOLLAR Wise Premium Plus my four best. selling educational courses and a. digital copy of my budget friendly. cookbook and my exclusive 30-day meal. plan signed by me and mailed directly to. you. This is a better deal than we've. ever done before and it's only for a. limited time. It is 67% off everything. So don't wait until that first pool. party to get financially ripped. Click. the link below, save big, claim your. bonuses now.